Abstract: Systems and methods are provided for facilitating contactless payment using cloud-based wallet containing payment credentials (e.g. Visa, Mastercard, American Express) using a near field communication (NFC)-capable device and payment gateway servers. A user can use their existing payment card, herein referred to as a funding card, for contactless payments. A second payment card, herein referred to as a virtual card, is generated. The virtual card is associated with the funding card on a payment gateway server. The virtual card is used on a NFC-enabled mobile device. When a payment is initiated, the virtual card data is sent through the NFC system from a point of sale terminal. This information is sent to the payment gateway server, which retrieves the funding card to make the payment. The funding card, not the virtual card, is used to transfer the money to make payment.

Abstract: The apparatus includes: At least one light-emitting, optoelectronic, functional element, which, during operation, activated by an electrical signal, emits light, at least at times; at least one light-sensitive, optoelectronic, functional element, which, during operation, activated by light falling thereon, delivers, at least at times, an electrical signal; and at least a third, light-conducting, functional element composed at least partially of transmissive material, especially translucent plastic or glass. The third functional element conveys, during operation, light coupled thereinto, and has at least one essentially planar boundary surface, which deflects light conveyed in the apparatus.

Abstract: The apparatus includes: At least one light-emitting, optoelectronic, functional element, which, during operation, activated by an electrical signal, emits light, at least at times; at least one light-sensitive, optoelectronic, functional element, which, during operation, activated by light falling thereon, delivers, at least at times, an electrical signal; and at least a third, light-conducting, functional element composed at least partially of transmissive material, especially translucent plastic or glass. The third functional element conveys, during operation, light coupled thereinto, and has at least one essentially planar boundary surface, which deflects light conveyed in the apparatus.