Abstract: A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.

Abstract: Various card devices and methods involving card devices are described. Other embodiments are also described.

Abstract: Permitting a claims holder to get a limited verifiable credential leveraging off of a previously-issued verifiable credential. This is done by having the limited verifiable credential include only a selected subset of the verifiable claims present within the previously-issued verifiable credential. The limited verifiable credential may then be exposed to a relying entity computing system so that the relying entity computing system can verify any of the selected subset of verifiable claims, but not verifiable claims that are outside of the selected subset of verifiable claims.

Abstract: Provided are methods, systems, and computer program products for verifying a card image file. A system may include at least one processor programmed or configured to parse a card image file to determine card data represented by the card image file, generate a plurality of simulated payment transactions based on the card data, each simulated payment transaction including simulated transaction data, issue a plurality of commands to the payment device emulator, the plurality of commands based on the simulated transaction data for the plurality of simulated payment transactions, receive a plurality of command responses generated by the payment device emulator based on the plurality of commands, and verify the card image file based on the plurality of command responses and the card data.

Abstract: Techniques described herein enable wireless payment reader to transition between lower-power and higher-power states while still performing cryptographic operations for securing payment data without undue latency caused by the transition between sleep and awake power states. For instance, a wireless payment reader may store information associated with cryptographic operations performed by the wireless payment reader in persistent memory of the wireless payment reader so that this information may be retained when the wireless payment reader enters a low-power, sleep state. Thus, when the wireless payment reader awakens from the low-power state, the wireless payment reader may read the cryptographic information from the local persistent memory rather than needing to request this information from a payment service.

Abstract: A computer-implemented system and method for entity tracking and identification is provided. A tracker associated with an entity is tracked. Communication is continuously attempted between the tracker and a tracking device associated with an individual in custody of the entity. During one of the attempted communications, an absence of the tracker is determined by identifying a time of the attempted communication and applying a time threshold to the time for the attempted communication. The absence of the tracker is identified when no communication has been established with the tracking device within the time threshold. The entity is classified as missing when the absence of the tracker is determined.

Abstract: Methods, devices, and kits are provided for determining a compatibility of one or more devices in an analyte monitoring system.

Abstract: Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include communication using a payment processing device. Various other embodiments are described.

Abstract: A device includes a processor, a machine-readable memory, and an optical capture device coupled to the processor. The machine-readable memory, which is accessible to the processor, stores processor-executable instructions and data. The processor is configured to perform certain operations responsive to execution of the processor-executable instructions. The certain operations include capturing image data of a first region of a physical object using the optical capture device. The captured image data includes an anchor region. The certain operations also include determining whether the captured image data at least meets a predetermined level of image quality, and in a case that it does, locating an authentication region in the captured image data based on the anchor region. The certain operations also include authenticating the object based on the captured image data in the authentication region, generating a result of the authenticating, and outputting the result to a user interface of the mobile device.

Abstract: A wearable device, system and method. The wearable device comprises a frame portion and a body portion. The frame portion is formed from a metallic material and the body portion is formed from a non-metallic material. The frame portion is configured to partially surround the body portion. The body portion supports at least one passive or active tag thereon such that the tag is operable through an opening in the frame portion.

Abstract: Systems and methods are provided for enabling, providing, and managing digital identities in association with mobile devices. One example method includes determining, by a mobile device, that identity data of a user is changed, and prompting the user to identify a third party separate from the mobile device to authenticate the user. The method also includes requesting the third party to authenticate the user, and causing an authentication interface of the third party to be displayed at the mobile device where the authentication interface solicits login credentials for an account of the user at the third party. The method then includes granting, by the mobile device, access to one or more aspects of a mobile application installed at the mobile device, in response to an indication of a successful authentication of the user from the third party.

Abstract: Systems and methods of enabling and providing digital objects across multiple environments are provided. A computer-implemented method includes: receiving, by a provider institution computing system, a request to associate a card with a digital object; generating, by the provider institution computing system, at least one filter that defines prohibited content for card images; extracting, by the provider institution computing system, image content from the digital object; determining, by the provider institution computing system, that the image content satisfies the filter; associating, by the provider institution computing system, the digital object with the card in a database of the provider institution computing system; and causing, by the provider institution computing system, a provisioning of the digital object associated with the card to a provider institution client application associated with the provider institution to display the digital object as being associated with the card.

Abstract: Described are a system, method, and computer program product for reconfiguring a transaction during network processing. The method includes receiving, from a merchant system, a transaction request including transaction data and configured in an initial configuration associated with a single-message transaction or a dual-message transaction. The method includes determining, based at least partly on the transaction data and/or at least one parameter of a merchant profile associated with the merchant system, a recommended configuration associated with a single-message transaction or a dual-message transaction, the recommended configuration different from the initial configuration. The method includes reconfiguring the transaction request based on the recommended configuration.

Abstract: An information processing apparatus includes: an antenna for non-contact communication with a communication medium, with the communication medium storing first information; and a touch panel that electrically detects a contact or a proximity of an object as an input detection function. The antenna is arranged around the touch panel, and outputs radio waves for the non-contact communication by receiving a power supply. The information processing apparatus turns OFF the power supply to the antenna in response to the input detection function of the touch panel being turned ON. The information processing apparatus turns OFF the input detection function of the touch panel in response to the power supply to the antenna being turned ON.

Abstract: Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

Abstract: A depth sensing device, situated above a threshold to a room, collects asynchronous, non-personally-identifiable data regarding a count of people entering and exiting across the threshold. Phase shift of modulated infrared light reflected from a light source to an object is measured and converted into depth data indicating the depth of the pixels therein. The depth data is used to classify detected objects as human, and to track their movement bi-directionally through the threshold. A running count of humans entering or exiting the room is streamed to a remote server, which aggregates data collected from a number of depth sensing devices. The server then makes that data available at various levels of visualization corresponding to different levels of a hierarchy of nested virtual spaces, such as a multi-entrance room, or a building. Entities that access this data may see a real-time, accurate count of humans currently occupying the virtual space, as well as historical data.

Abstract: A computer system performs techniques related to displaying a representation of a secure credential and using the secure credential. In some embodiments, a computer system detects that the computer system is physically near a vehicle. In some embodiments, a computer system permits a user access to use one or more functions of a vehicle using a secure credential.

Abstract: A method for electronic receipt transfer via ultra-wideband electronic (UWB) radio technology may include: causing, by a payment terminal computer program, an UWB radio to transmit a range request signal from a first antenna; receiving, by the payment terminal computer program and one or more customer electronic devices, a pair of replies to the range request signal, each comprising a first reply signal received at the first antenna and a second reply signal received at a second antenna; determining, by the payment terminal computer program, a distance between the UWB radio and each customer electronic device based on a time of flight; selecting, by the payment terminal computer program, the customer electronic devices having the distance that is closest to the UWB radio; and communicating, by the payment terminal computer program, an electronic receipt for a transaction to the selected customer electronic device.

Abstract: A dynamic code may be validated by comparing the dynamic code to a verification code. The card may generate the dynamic code using a random object and a function. The random object may be generated using a random object generator. The function may be determinable using a function determination object and a look-up-table (LUT), the function determination object associable to exponents and operators, listed in the LUT, that may be combined with base variables to determine the function. The dynamic code may be determined by substituting portions of the random object for the base variables in the function. The card may communicate the dynamic code, the random object and an identifier to a remote processing facility. The remote processing facility may use the identifier to determine the function, use the random object to determine a verification code and compare the verification code to the dynamic code.

Abstract: Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction.

Abstract: Disclosed embodiments may include a method for using accounts with multiple profiles where the system allows a primary user to create one or more secondary user profiles. Each secondary user profile is associated with its own VCN and one or more attributes. The one or more attributes can be used to limit the spending ability of each secondary user individually with hard and soft spending limits including merchant category, overall spending, and geographic limits. Purchases by a secondary user that violate the soft limits may be allowed by the primary user using an application associated with the primary account number. Attributes can be assembled by the primary user to create specific and creative spending limits. The system associates each transaction with the user profile using the specific VCN and generates a GUI for the primary user showing the second user profile, its current balance, and transaction history.

Abstract: Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Abstract: The invention provides an entrusted-authorization system and an entrusted-authorization method. The entrusted-authorization system comprises an accounting system, a switch module and an entrusted-authorization module, wherein the entrusted-authorization module stores entrusted-authorization parameters determined by the accounting system, the switch module is connected with the accounting system and the entrusted-authorization module for transmitting transaction request messages from the client terminal to the entrusted-authorization module for processing in case that the accounting system is unavailable, wherein the entrusted-authorization module verifies the transaction request messages according to the entrusted-authorization parameters; otherwise, the messages are sent to the accounting system for processing. The transaction request messages comprise financial account information, financial institution information, transaction-initiation institution information and transaction amount.

Abstract: Methods, systems, and computer program products for implementing currency conversion and foreign exchange processes for an exchange payment platform system. An offer look-up request for an offer associated with a booking event is received. The offer look-up request including a first currency, a second currency, and a transaction context information. A foreign exchange rate request including the offer look-up request is provided to a foreign exchange server. A converted offer associated with a proposed foreign exchange rate is received from the foreign exchange server. A payment webpage including the converted offer is provided to the merchant. The converted offer is presented in a standard format based on formatting rules associated with the merchant.

Abstract: Aspects of the subject disclosure may include, for example, a device that receives data from a machine-type communication (MTC) device located at a premises, determines an identifier for the MTC device; compares the identifier with a list of identifiers; and, responsive to determining that the MTC device is a listed device, transmits the data to a first network element remote from the premises. The device and the first network element do not receive data from devices at the premises generating human traffic communications (HTC). The first network element transmits the data to a second network element for aggregation and subsequent transmission to a cloud data facility comprising cloud storage. A data path from the device to the first network element, from the first network element to the second network element, and from the second network element to the cloud data facility forms a secure data path. Other embodiments are disclosed.

Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.

Abstract: In one embodiment, a device may transmit, via a network to an application, a series of sensor measurements captured by the device, each sensor measurement having an associated timestamp based on a clock of the device. The device may receive, from the application, an indication that at least a portion of the series of sensor measurement were not received by the application. The device may determine, for those sensor measurements not received by the application, timestamp differences between their timestamps and a current time of the clock of the apparatus, after receiving the indication. The device may resend the portion of the series of sensor measurements to the application and their timestamp differences.

Abstract: A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: An electronic book distribution system includes electronic devices that reset their passcodes after specified authentication failures. The passcodes of an individual electronic device is reset to a value that is generated using a predefined function of a randomly generated support code. The support code is displayed to the user, and the user is instructed to contact a support service in order to obtain the new passcode. The support service independently authenticates the user, calculates the new device passcode using the same predefined function used by the electronic device, and provides the new passcode to the user.

Abstract: Embodiments of the present disclosure provide a device, system, methods and components related to a modular card. Example components of the modular card include a thin rectangular rear plate, a thin rectangular front plate overlying the rear plate, a first plurality of fasteners fixed to the thin rectangular front plate, a second plurality of fasteners fixed to the thin rectangular rear plate, the second plurality of fasteners being configured to be removably engaged with the first plurality of fasteners; a magnetic strip, and/or an integrated circuit. In operation a user may remove and/or replace various components to customize the modular card. Some customizations include altering the accounts to which the modular card relates. In some example, the modular card may include components which relate to different accounts.

Abstract: The present invention is configured to track a resource input distribution to a first user account; receive a third party distribution request from the first user account, the third party distribution request comprising at least a portion of the resource input distribution; and authenticate a third party associated with the third party distribution request, the authentication of the third party comprising a comparison of the third party against a trusted third party distribution set, wherein, in an instance where the third party matches at least one trusted third party of the trusted third party distribution set, allow a third party distribution associated with the third party distribution request.

Abstract: Electronic content, including that obtained via software applications executing on client devices, pertaining to golfers' handicap indices and scoring is automatically obtained by golf clubs and other courses. Such player data can be electronically monitored and analyzed in real-time in accordance with expected score qualities and guidelines in the sport. In particular, one or more algorithms may be routinely executed to look for various data point indicators which may mean a player is manipulating his or her handicap index. The systems and methods can objectively generate an overall score for every participating player, based at least in part on deduction of points for data determined abnormal based on expected qualities. Should a player's overall score reach a predetermined flagging level, the systems and methods automatically adjust the player's handicap to promote fair play. Machine learning schema can assist in tasks such as scoring analyses and automated handicap adjustments.

Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

Abstract: A system can include a first financial account data system that may include first account data. The first financial account data system can perform a function according to a first process using the first account data. The system can include a second financial account data system that can include second account data that is unintegrated with the first account data. The second financial account data system can perform a function according to a second process, which can be different than the first process, using the second account data. The system can include a server with an application programming interface. The server can determine a data system among the first and second financial account data systems with which to execute a requested function received via a common user interface. The server can execute the requested function. The server can provide a result of the execution via the common user interface.

Abstract: Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.

Abstract: In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.

Abstract: Example embodiments relate to performing activation techniques for contactless cards. For example, embodiments may include performing a near-field communication (NFC) exchange with a contactless card, processing a message comprising data to activate the contactless card, communicating the data to a server to activate the contactless card; and receiving a response from the server, the response to indicate whether the contactless card is successfully activated or not successfully activated.

Abstract: A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

Abstract: Automated testing and validation of integrated circuit cards for point of sale transactions is provided. A microcontroller can receive, via an automation script executed by a point of sale device, an instruction to select a slot in a card stack. The microcontroller can activate, responsive to the instruction, the slot to establish an electrical connection between an integrated circuit card in the slot and a proxy card in a terminal device. The microcontroller can receive, subsequent to initiation of a synthetic transaction, an indication that the synthetic transaction is complete. The microcontroller can deactivate, subsequent to receipt of the indication that the synthetic transaction is complete, the slot to terminate the electrical connection between the integrated circuit card in the slot and the proxy card to cause the terminal device to detect a card removal event without physical removal of the proxy card.

Abstract: A payment service system receives a transaction instrument identifier of a transaction instrument, and associates the transaction instrument with an account associated with a first user. The system identifies rules that identify whether to request authorization from a second user to process respective transactions that involve the transaction instrument and that are associated with one of a set of transaction types. The system receives a transaction indication indicating a request to use the transaction instrument for a transaction. The system determines, based on information about the transaction and the one or more rules, that the transaction is categorized into a first transaction type. The rules indicate that the authorization from the second user is to be requested for the first transaction type. The system receives an authorization to process the transaction from a user device associated with the second user, and automatically facilitates processing of the transaction.

Abstract: A gate apparatus includes an acquisition unit, a matching request unit, and a control unit. The acquisition unit acquires biological information about an examination target user. The matching request unit requests a server apparatus that stores biological information about users and MRZ (Machine Readable Zone) information written in machine readable zones in passports issued to the users in association with each other to perform matching on the biological information about the examination target user. The control unit controls a gate so that the examination target user can pass through the gate if information is successfully read out from an IC (Integrated Circuit) chip in a passport issued to the examination target user by using MRZ information determined by the matching.

Abstract: A transaction card may monitor an amount of electric current induced in a first near-field communication (NFC) component of a transaction card. Electric current may be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of a transaction terminal. The transaction card may dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component. The one or more output components may indicate whether the transaction card can communicate with the transaction terminal. The transaction card may perform an action related to completing a transaction after determining that the amount of electric current induced in the NFC component satisfies a first threshold. The first threshold may indicate that the transaction card can communicate with the transaction terminal.

Abstract: An intelligent alert system triggers potential cases based on a set of scenarios and sends the potential cases to investigators. After the investigation, the intelligent alert system records in a database the investigation results for each potential case, the associated set of scenarios that triggered the potential case, and the date and the time of such investigation. As a result, the intelligent alert system can gradually learn from the investigators and will automatically make decisions for some future potential cases with little human involvement.

Abstract: The present invention discloses a disruptive low capital and operational cost logistics system and method that provides for fast and massive delivery of e-commerce merchandise, including same day delivery, of thousands of items and packages, in extensive geographical areas, such as whole states, countries and continents, reducing the need for building, operating, or using multiple fulfillment warehouses located near the consumers as in traditional e-commerce logistics, creating a revolution in the e-commerce industry worldwide. In a disruptive manner, the systems and methods of the present invention facilitate the logistics for e-commerce delivery processes, and also may allow at the same time reducing the use of massive quantities of cardboard packages that are used for protection and containment for e-commerce orders, being sustainably beneficial for the e-commerce market, the environment, and the consumer.

Abstract: Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.

Abstract: Collection, validation, accuracy checking, and matching of information for individuals, e.g., in-scope people entering/exiting a country is described. The systems, techniques, devices, methods, and approaches described herein can be used to collect biographic, biometric, and travel information for persons who enter a country with the expectation that the person will eventually exit. The system and method described herein include structures and procedures for determining whether the individual, based on his/her information, meets a predefined criterion that is associated with predefined procedures, e.g., special precautions are to be implemented. This document also describes how information for an individual can be matched with an existing record in order to ensure accurate recordkeeping.

Abstract: A method (600) for handling a digital payment between a payer (P1) and a payee (P2) is presented. The payer and payee communication devices (PD1, PD2) uses (610) short-range data communication (SRDC) when the devices are in proximity of each other to agree upon a digital payment (DP) without requiring long-range data communication with a remote digital payment settlement service (DPSS) at that stage. Independently of the other device, the payer communication device (PD1) or the payee communication device (PD2) subsequently communicates (630) buffered digital payment information (DPI) to the remote digital payment settlement service (DPSS) by long-range data communication (LRDC1, 15 LRDC2). The remote digital payment settlement service (DPSS) causes settlement (640) of the digital payment (DP) as indicated by the digital payment information (DPI) received by long-range data communication (LRDC1, LRDC2) from one of the payer communication device and the payee communication device (PD1, PD2).

Abstract: The present invention discloses a disruptive low capital and operational cost logistics system and method that provides for fast and massive delivery of e-commerce merchandise, including same day delivery, of thousands of items and packages, in extensive geographical areas, such as whole states, countries and continents, reducing the need for building, operating, or using multiple fulfillment warehouses located near the consumers as in traditional e-commerce logistics, creating a revolution in the e-commerce industry worldwide. In a disruptive manner, the systems and methods of the present invention facilitate the logistics for e-commerce delivery processes, and also may allow at the same time reducing the use of massive quantities of cardboard packages that are used for protection and containment for e-commerce orders, being sustainably beneficial for the e-commerce market, the environment, and the consumer.

Abstract: A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.