Abstract: A method of obtaining a digital product or service at a computing device is described. The computing device has a service application for the digital product or service installed on it. The service application obtains a valid authentication from a user. The service application also obtains a request for the digital product or service from the user. After this, the service application prepares a transaction authorisation request comprising a payment application cryptogram. This payment application cryptogram comprises a customer verification from the valid authentication of the user and transaction details for authorisation and settlement of a transaction for the digital product or service through a transaction processing system. The service application provides the transaction authorisation request to the transaction processing system for authorisation and settlement. A suitable computing device is also described.

Abstract: A first electrical response of a capacitor bank is accessed, the capacitor bank including a plurality of capacitor units arranged in a fixed spatial relationship with each other, each capacitor unit having a nominal impedance; a test electrical signal is provided to the capacitor bank; a second electrical response of the capacitor bank is measured after providing the test electrical signal to the capacitor bank; the first electrical response of the capacitor bank and the second response of the capacitor bank are compared; and whether an impedance of one or more capacitor units in the capacitor bank has changed relative to the nominal impedance is determined based on the comparison.

Abstract: A first electrical response of a capacitor bank is accessed, the capacitor bank including a plurality of capacitor units arranged in a fixed spatial relationship with each other, each capacitor unit having a nominal impedance; a test electrical signal is provided to the capacitor bank; a second electrical response of the capacitor bank is measured after providing the test electrical signal to the capacitor bank; the first electrical response of the capacitor bank and the second response of the capacitor bank are compared; and whether an impedance of one or more capacitor units in the capacitor bank has changed relative to the nominal impedance is determined based on the comparison.

Abstract: A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present, regardless of whether the accountholder is a customer of the financial institution that owns the ATM.