Abstract: Disclosed herein are an exemplary apparatus, system, and methods (e.g., Tactical Passive RFID transponder gloves with Morphological Actuation) comprising a glove made predominately of a resistive fabric that varies resistance per degree of deformation; comprising near field communication RFID tag readers, and a controller coupled to the glove to evaluate the varied resistance. A method of classifying RFID tags is also disclosed.

Abstract: Methods, apparatus and systems for verifying coin ownership are disclosed. In an embodiment, a coin service provider identifies an online session initiated by a wallet application and a next coin to verify, receives information associated with the next coin from a wallet application, determines that ownership of the next coin was transferred out of the wallet application since the last time coins in the wallet application were verified and that ownership of the next coin has not been updated in a coin data store. The coin service provider then transmits a prompt to the user device for the user to confirm that a transaction involving the next coin completed successfully, receives a confirmation message from the user device, confirms that the next coin was received by a recipient, and next updates ownership information of the next coin in the coin data store.

Abstract: Systems, methods, apparatus, computer program code and means are provided to operate a first device to receive a coin having value from a second device while offline.

Abstract: Systems, methods, apparatus, computer program code and means are provided to operate a first device to receive a coin having value from a second device while offline.

Abstract: System and methods and computer program code are provided to transfer value from a first wallet application on a first mobile device to a second wallet application on a second mobile device. Pursuant to some embodiments, the transfer is performed over a short or medium range communications protocol and does not require for either or both devices to be “online” or connected to a remote network device or system.

Abstract: A computer-implemented method for payment network-based cash back processing can include receiving, by processing circuitry, transaction information related to a cardholder transaction with a merchant. The processing circuitry can identify whether the transaction qualifies for a cash back offer selected from a set of one or more cash back offers. The processing circuitry can calculate a cash back amount associated with the merchant based on information contained in the merchant and offers database. The processing circuitry can calculate a cardholder billing amount, an issuer settlement amount, an acquirer settlement amount, a refund amount, and a program fee amount. The processing circuitry can generate a refund message including the refund amount to be processed to the cardholder and a fee message for fee collection.

Abstract: Systems and methods are provided for establishing fixed currency conversion rates for transactions in connection with authorization and clearing of the transactions. One exemplary method includes receiving a currency conversion request in association with an authorization request for a transaction, identifying a currency conversion rate (CCR) for the transaction based on a rate file stored in a data structure in association with an identifier for the transaction, determining a converted transaction amount based on a transaction amount included in the authorization request and the CCR, and passing the converted transaction amount to an authorization network. The method also includes receiving a conversion request in connection with clearing the transaction, retrieving the CCR from the data structure based on the identifier, and determining a clearing transaction amount based on the transaction amount as included in a clearing record and the CCR received from the data structure.