Abstract: In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance.

Abstract: A system, method, and computer-readable storage medium configured to enable the pooling and sharing of funds to cover shared expenses. An electronic basket is created. The electronic basket includes a virtual prepaid payment card with a unique identifier and associated with a user. The user is prompted for potential contributors to the electronic basket. A network interface electronically contacts the potential contributors, and the electronic basket is stored in a user-card database.

Abstract: At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device.

Abstract: An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A control integrated circuit (CIC) is embedded in the body and coupled to the antenna. A sensor is embedded in the body and is coupled to the CIC. The sensor is actuatable by a user of the identification token.

Abstract: Systems and methods for remotely personalizing payment devices for consumers are described. In an embodiment, a system includes a MOTAPS server computer that provides data preparation functions and a trusted service provider (TSP) personalization server computer. The system also includes a service provider computer operably coupled to the TSP personalization server computer, and a remote personalization device (RPD) operably coupled to the service provider computer. The RPD transmits personalization requests, receives personalization data, and personalizes a payment device before providing the personalized payment device to a consumer.

Abstract: A proximity information device includes a body, a radio frequency identification (RFID) integrated circuit (IC) supported by the body, and a threshold detector coupled to the RFID IC. The RFID IC is operative to transmit a response message in response to an interrogation signal if the threshold detector indicates that a detected magnetic and electric field and the relative strength of magnetic field compared to the electric field satisfy a predetermined threshold.

Abstract: It is determined whether a payment device has come into association with a special spending environment. If so, an authorization and guarantee for a predetermined amount of funds to cover multiple transactions within the special spending environment is requested from an issuer of the payment device. If successful, a balance, based on the predetermined amount of funds, is established on a local authorization platform that is associated with the special spending environment and that is separate from the issuer of the payment device. A series of purchases with the payment device, within the special spending environment, is tracked. For each given purchase of the series of purchases, the balance is adjusted to reflect the value of the given purchase. At some point, it is determined that the series of purchases is ended.

Abstract: An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A control integrated circuit (CIC) is embedded in the body and coupled to the antenna. A sensor is embedded in the body and is coupled to the CIC. The sensor is actuatable by a user of the identification token.

Abstract: A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions.

Abstract: A radio frequency identification (RFID) module for an identification token includes a module body and an RFID integrated circuit (IC) mounted on or in the module body. The RFID module also includes a pressure-sensitive switching device mounted on or in the module body. An identification token may be manufactured using the RFID module as a component of the identification token, so that the proximity payment device includes a user-actuatable switch without requiring separate operations to incorporate the switch during assembly of the identification token.

Abstract: A recyclable contactless payment device is issued to a first patron of a venue. Use of the contactless payment device at the venue by the first patron is facilitated, as is return of the contactless payment device by the first patron for recycling. The contactless payment device is deactivated and stored. The issuing and facilitation of use are repeated for at least a second patron of the venue, with the same recyclable contactless payment device.

Abstract: An apparatus and method for providing a radio frequency identification (RFID) card, the card including a card inlay; an antenna positioned on the card inlay, a RFID integrated circuit (IC) on the card inlay, a pressure-sensitive switch including an electrode structure located on or in the card inlay and coupled to the antenna and the RFID IC via the electrode structure, the pressure-sensitive switch having an electrical resistance that varies with a pressure applied to the switch, and a dam of material in a vicinity around of the pressure-sensitive switch to provide a barrier against a lateral pressure being applied to the switch.

Abstract: An identification token includes a body and an RFID IC embedded in the body. The RFID IC includes a first terminal and a second terminal. An antenna is also embedded in the body and is coupled between the terminals of the RFID IC to form two connections between the RFID IC and the antenna. A user-actuatable switch is supported by the body and has two different states. The switch is coupled to at least one of the terminals of the RFID IC. The connections between the RFID IC and the antenna are uninterrupted when the switch is in either state. The switch is not coupled to the RFID IC by any terminal other than the two terminals by which the antenna is coupled to the RFID IC.

Abstract: In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance.

Abstract: A proximity information device includes a body, a radio frequency identification (RFID) integrated circuit (IC) supported by the body, and a threshold detector coupled to the RFID IC. The RFID IC is operative to transmit a response message in response to an interrogation signal if the threshold detector indicates that a detected magnetic and electric field and the relative strength of magnetic field compared to the electric field satisfy a predetermined threshold.

Abstract: In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system.

Abstract: An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A switch is embedded in the body and coupled to at least one of the RFID IC and the antenna. The switch is located at a switch location in the body. The switch is actuatable by being pressed by a user's finger. The identification token also includes a printed indication on the body for indicating the switch location to the user of the identification token.

Abstract: An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A switch is embedded in the body and coupled to at least one of the RFID IC and the antenna. The switch is located at a switch location in the body. The switch is actuatable by being pressed by a user's finger. The identification token also includes a printed indication on the body for indicating the switch location to the user of the identification token.

Abstract: An apparatus and method for providing a radio frequency identification (RFID) card, the card including a card inlay; an antenna positioned on the card inlay; a RFID integrated circuit (IC) located on the card inlay; an electrode structure; a switch located on or in the card inlay and, when actuated, coupled to the antenna and the RFID IC via the electrode structure. The switch further includes a conductive layer aligned with but positioned spaced apart from the electrode structure; and a compressible material to hold the conductive layer in the spaced apart position and to compress under pressure when the switch is actuated to permit the conductive layer to contact the electrode structure.

Abstract: An identification token includes a body and an RFID IC embedded in the body. An antenna is also embedded in the body and is coupled to the RFID IC. A switch is embedded in the body and coupled to at least one of the RFID IC and the antenna. The switch is located at a switch location in the body. The switch is actuatable by being pressed by a user's finger. The identification token also includes a printed indication on the body for indicating the switch location to the user of the identification token.