Abstract: When a consumer carrying a device is automatically detected within a pre-defined and constrained space, ticket identifying information is automatically obtained from the device and relayed to a backend ticket redemption server. The ticket redemption server validates a ticket for the consumer from the ticket-identifying information and relays a confirmation to a ticket redemption agent's device and the consumer is checked-in for ingress onto a transportation system or into a venue destination of the consumer.

Abstract: Methods and devices for biometric verification are disclosed. During registration or encoding, a first vector representing biometric features of a subject is generated. Machine-readable optical labels based on the first vector are then generated. During validation or decoding, physical characteristics representative of the subject are captured, the physical characteristic containing biometric features of the subject. The biometric features are identified in the captured physical characteristics. A second vector representing the identified biometric features is generated. The machine-readable optical label is read to decode the first vector. The first vector is compared with the second vector to compute a match probability.

Abstract: A checking device and method performed by a microcircuit for dependency rules for objects updated in the microcircuit. The device and method include steps for receiving (B3) a command for updating a first object (105) stored in the microcircuit, the command giving an updated value for the first object; and verifying (B4, B4?) an updating rule (106) for the first object while taking account of the updated value for the first object. The device and method can be used in microcircuits that carry out transactions.

Abstract: A method of generating wireless communications from a transmit-only device, the method comprising: generating, at the transmit-only device, a first current session key; generating, at the transmit-only device, operational data; generating, at the transmit-only device, crypto-data by performing a cryptographic operation on the operational data using the first current session key; transmitting, from the transmit-only device, a first identifier to enable a resource derive the first current session key; transmitting, from the transmit-only device, the crypto-data.

Abstract: A modular portable storage system includes a portable storage device with a housing having a cuboid geometry. The housing retains a processor, a storage module in electronic communication with the processor, and a wireless communication module. A circuit may communicate electronically with the portable storage device. The portable storage device may be removably coupled to the circuit board. A power supply may be in electronic communication with the circuit board. The power supply may also be removably coupled to the circuit board. The portable storage device and the power supply may be removably retained within the external housing. The circuit board may be mechanically coupled to the external housing. A case for a mobile device may define a cavity to retain the portable storage device.

Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.

Abstract: Systems and methods involving biometric authentication of transaction cards including aspects of exception handling, deactivation and other features are disclosed. In one embodiment, an exemplary computer-implemented method may comprise generating a first user interface having one or more interactive UI elements that enable a card owner to manage a plurality of features associated with a transaction card, and determining, if a biometric-activated control is enabled and the vendor is not excluded from the biometric-activated control, whether the transaction card is biometrically-active. Further, the interactive UI elements may include elements such as a first UI element that is configured to allow the card owner to enable a biometric-activated control of the transaction card, and/or a second UI element that is configured to allow the card owner to exclude one or more vendors from the biometric-activated control.

Abstract: Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future. The device may subsequently activate a payment applet for a predetermined period of time during which the user may hold the device within a field of the merchant terminal to complete a near field communications based mobile payment transaction.

Abstract: A payment terminal, including: a display, an input device configured to generate input signals indicative of a user input, a payment instrument reader configured to receive payment instrument data from a financial payment instrument, a secure processor connected to the payment instrument reader, a main processor connected to the display, the main processor separate and distinct from the secure processor, a secure input processor connected to the input device and the secure processor, wherein the secure processor is operable between an unsecured mode, wherein the secure processor sends input coordinates based on the input signals received from the secure input processor to the main processor; and a secured mode, wherein the secure input processor ceases input coordinate forwarding to the main processor.

Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.

Abstract: Methods and devices for information transmission and in particular for payment transfer from a paying terminal to a selling terminal. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to a remote server for processing. Security verifications can be conducted by the paying terminal or the server, wherein the server may generate processing results approving or denying the payment request. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transfer.

Abstract: The disclosed embodiments include systems and methods for providing customer service. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive customer data and location data from a client device. The one or more processors may also execute the software instructions to identify a customer and a merchant based on the received data. The one or more processors may also execute the software instructions to determine an applicable customer service option based on at least the identified merchant and the identified customer, the customer service option including at least an option to activate a credit card secondary benefit, and transmit a notification to the client device, the notification including the customer service option when the identified customer is eligible for the determined customer service option.

Abstract: A charity box device is provided which counts the acts of charity and the dollar amounts inserted by the users of the device by inserting coins into the coin counter. The device then relays the total counts of acts of charity and dollar amounts to a remote database, which may be on a website that is accessible for the user from any computer or internet device. The total amounts may also be obtained and displayed by the device.

Abstract: The present disclosure includes an electronic device for selecting a credential based at least in part on location information. The electronic device can include a secure transaction subsystem and a processor. The secure transaction subsystem can be configured to store a plurality of credentials. The processor can be communicatively coupled to the secure transaction subsystem and configured to receive the location information from one or more radios. Further, the processor can be configured to determine that a distance between the electronic device and a terminal is less than a predetermined distance based on the location information. In response to determining the distance between the electronic device and the terminal is less than the predetermined distance, the processor can be configured to select the credential from the plurality of credentials based at least in part on the type of terminal.

Abstract: A USB adapting circuit is suitable for being connected between a USB host and an external device. The USB adapting circuit includes a connecting port, a detecting circuit, a standby circuit and a main circuit. The standby circuit receives a power supply from the USB host and supplies the detecting circuit and the main circuit with the power supply. The detecting circuit is configured to output a connected signal when the external device is connected to the connecting port. The standby circuit outputs an enabling signal in response to the connected signal. The main circuit adapts between the USB host and the external device when receiving the enabling signal. Therefore, the main circuit does not work without receiving the enabling signal, and has a power saving effect.

Abstract: A system for effecting electronic payments via multiple payment schemes from a single payment integrated circuit (IC) card includes a payment IC card conforming to a payment card standard, the payment IC card being issued with a plurality of primary account numbers (PANs) from the payment card standard; a wallet server storing account details of one or more payment schemes with which a user has an account; and a vendor payment system configured to accept transactions using the payment card standard. The payment IC card is operable to transact with the vendor payment system using the payment card standard. The vendor payment system is operable to provide to the wallet server one of the PANs issued to the payment IC card to effect a financial transaction via one of the payment schemes with which the user has an account.

Abstract: A user instrument for engaging in a transaction includes a graphically encoded icon having a static portion, and an intrinsic portion comprising an area of stimuli-responsive material defining a first machine-readable indicia. At least a portion of the stimuli-responsive material transforms from a first state to a second state in response to a trigger. The transformation from the first state to the second state of the portion of the stimuli-response material results in a second machine-readable indicia. The transformation of the stimuli-responsive material from the first state to the second state is semi-irreversible. The second machine-readable indicia comprises information to permit or deny the user to engage in a second transaction via the user instrument.

Abstract: A system is disclosed that monitors payment transactions of users across participating merchant sites, and that uses this information to determine payment service preferences of particular users. When a user initiates a checkout transaction on a merchant site, the system uses this preference information to attempt to identify a payment service that is both supported by the merchant site and preferred by the user. One of the methods includes receiving a request from a content server associated with a merchant site for a preferred option associated with a user, the request including information indicative of the user. Information describing options associated with the user are accessed, and the accessed information and information identifying options accepted by the merchant site are used to determine a preferred option. Information identifying the preferred option is provided to the content server.

Abstract: The present invention is directed to a smartcard that enables a one-time pin code offline security authentication with a card reader. This is achieved by generating a one-time pin code when the user inputs their pin code. The inputted pin code is encrypted and matched with the encrypted user correct pin code. If there is a match the one-time pin code is stored in memory and the transaction can proceed.

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 positive balance on a first financial account associated with a prepaid card are transferrable to a second financial account associated with a third party. In some embodiments, an instruction to transfer a portion of the first financial account to the second financial account is received. The instruction is associated with one or more triggering events. The one or more triggering events are associated with an inactive amount of time associated with the prepaid card, an expiration date associated with the prepaid card, and/or a balance of the first financial account associated with the prepaid card. A first triggering event of the one or more triggering events is detected. Upon detection of the first triggering event, the portion of the first financial account is transferred to the second financial account. Aspects of the disclosure enable a processing system to identify one or more opportunities to liquidate and/or fund financial accounts in an organized, resource-efficient, and timely manner.

Abstract: In some embodiments, a method includes: requesting, from a player at the gaming machine, player account credentials associated with the player; receiving, at the gaming machine, the player account credentials, wherein the player account credentials are associated with a player's account on the account server and enable linking game play on the gaming machine to the player's account, and wherein the player account credentials are provided to the player's mobile phone in response to joining a players club prior to detection of the initiation event; transmitting, via the gaming machine, the player account credentials to the account server; receiving, from the account server, validation of the player account credentials based on comparing the received player account credentials with credentials stored on the account server; upon receipt of the validation, linking a wagering game session on the gaming machine with the player account.

Abstract: Methods and systems for faster and more efficient smart card logon in a remote computing environment are described herein. Fast smart card logon may be used to reduce latency and improve security. For example, the system may reduce the number of operations (e.g., interactions) between a server device used for authentication and the client device. A remoting channel may be established between the server device and the client device. The server may receive, from the client device and/or via a personal computer/smart card (PC/SC) protocol, a message comprising an identifier for a smart card. The server device may replace the identifier for the smart card with a substitute identifier. Based on the substitute identifier, the server may determine one or more cryptographic service providers to use for one or more cryptographic operations associated with the smart card.

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: The system and methodology of the present invention employs novel machine learning techniques in order to periodically update and supplement a set of identity verification databases used in connection with KYC determinations. The system and methodology of the present invention periodically receives updated identity data from third-party sources and may also use customer logic input provided to update the model used in making KYC determinations. The system of the present invention further updates and optimizes the identity verification databases and selectively deploys them in a production environment without requiring any human intervention, such that identity verification is incrementally improved over time as more identity data is provided to the system.

Abstract: A computer-implemented method for authenticating credit cards via a mathematical operation of the mathematical constant Pi. Pi is stored in a user-operated computing device connected to a network, wherein an application software performs the said mathematical operation of Pi to select a segment of Pi. The selected Pi segment becomes the Dynamic Card Verification Value (DCVV) of a credit card. The method is dynamic, creating a new DCVV for the user's credit card each time the user operates his/her computer device to purchase products and services online with his/her credit card. To attain the same Pi segment, the issuer of the credit card utilizes in its computer server the same parameters and mathematical operation that the user utilizes on his/her computing device. Consequently, this process provides the user and issuer with a synchronized process to attain the same resulting DCVV to authenticate a credit card.

Abstract: A system and method are disclosed for providing integrated circuit (IC) chip modules for inclusion in payment objects. IC chip modules may be received from a supplier of IC chip modules, wherein the IC chip modules are supportably interconnected to a flexible substrate and transport key data is encoded in the IC chip modules. Each IC chip module may be encoded with personalization data and issuer key data. Encoding of IC chip modules may be completed utilizing either a contact IC chip interface device or a non-contact IC chip interface device. Encoding the IC chip modules may be completed with the IC chip modules supportably interconnected to the flexible substrate as supplied by the supplier of the IC chip modules, free from fixed interconnection of the IC chip modules and carrier to another support structure.

Abstract: A computer-implemented user authentication method to provide users of computer devices interconnecting with computer information systems with a frequently changing numeric passcode generated via a time-synchronized mathematical operation of the mathematical constant Pi (?) without the need for a Two Factor Authentication process. The method operates the mathematical constant Pi, wherein an application software performs the mathematical operation of Pi to select a segment of Pi. The selected Pi segment becomes the user's passcode, referred in this invention as the PI ID Value (PIV). The method is dynamic, creating a new PIV for the computer user each time the user operates his/her computer device to gain access into a network or website. To attain the same Pi segment in real-time and authenticate the user, the network or website administrator utilizes in its computer server the same parameters and mathematical operation used by the user's computing device.

Abstract: A device may receive, from a user device, a multimedia file that is to be used to authenticate a transaction card. The multimedia file may include data identifying a face of a user, data identifying a transaction card identifier, and data identifying an authorized action. The device may determine whether to authenticate the transaction card by executing one or more authentication procedures. The device may execute a first authentication procedure to verify that the multimedia file includes the data identifying the face of the user, the data identifying the transaction card identifier, and the data identifying the authorized action. The device may determine whether to activate the transaction card based on whether the transaction card has been authenticated. The device may provide a notification to the user device indicating whether the transaction card has been activated based on whether the transaction card has been activated.

Abstract: Disclosed are a method and the device for updating a ventilation device that has a memory for an operating program. The memory is at least partially designed as a variable memory and is connected with an input device for a current operating program. The memory and the input device are connected to control devices, which have testing means for evaluating at least one code. At least one function of the apparatus is released only when the code agrees with a reference value.

Abstract: A method for reading an identity document, a readout terminal and a readout system, which simplifies the multiple reading of identity documents. According to the method, an authentication key and an information item are stored in hidden fashion in the chip of the identity document.

Abstract: A method for real-time processing of a rebate is described. The method includes receiving a transaction message that includes a primary account number, a transaction amount, and a transaction identifier; receiving a rebate request including the transaction identifier; identifying a financial institution associated with a transaction account corresponding to the primary account number, generating a data message including a rebate request; and electronically transmitting the data message.

Abstract: Systems and methods are provided for use in provisioning digital identities for users. One exemplary method includes receiving, at a card device, an authentication request and a captured first biometric of a user, from a communication device associated with the user, and comparing the first biometric and a first biometric reference at the card device, in response to the first biometric reference being stored at the card device. The method also includes capturing, at the card device, a second biometric of the user and comparing the second biometric to a second biometric reference stored at the card device. The method further includes compiling a response to the authentication request including a first indicator of the comparison of the first biometric to the first biometric reference and a second indicator of the comparison of the second biometric to the second biometric reference, and transmitting the response to the communication device.

Abstract: Provided is a wearable device, including a base configured to be worn by a user, at least one data element at least partially positioned on or within the base and programmed or configured to have account data stored thereon, and at least one antenna including an open circuit, the at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when the open circuit of the antenna is closed and becomes powered by at least one power source. Other expressions are also disclosed.

Abstract: A transaction card is provided for communicating data relating to a transaction. The transaction card includes a solar layer, a transaction card layer, and a power transfer layer. The solar layer includes at least one solar panel capable of converting light into electricity, the transaction card layer supports the solar layer and includes a magnetic strip, and the power transfer layer includes circuitry capable of receiving electricity from the solar layer.

Abstract: View location metric generation and engagement attribution within an AR or VR environment are described. In one example, a system of a digital medium environment is configured to generate metric data describing viewed locations within an augmented or virtual reality environment. The system includes a log data collection module implemented at least partially in hardware of a computing device to collect log data from a plurality of user devices. The log data describes locations associated with an augmented or virtual reality environment and a viewing direction at corresponding locations. The system also includes a metric generation module implemented at least partially in hardware of the computing device to generate metric data describing viewed locations within the augmented or virtual reality environment by the plurality of user devices and an output module implemented at least partially in hardware of the computing device to output the generated metric data.

Abstract: One embodiment of the present invention sets forth a technique for prompting a user for feedback based on user experience. The technique includes detecting, via a processor, that a first application event has occurred and updating a score based on a first value assigned to the first application event. The technique further includes determining that the score exceeds a first threshold, and, in response, outputting a first prompt for display.

Abstract: Utilizing microwave reflections to compare a reference device with counterfeit and/or aging devices under test. The reflection from the device under test varies based on certain properties, which results in each device having a unique and intrinsic electromagnetic signature. Comparisons of the electromagnetic signature of the device under test to the electromagnetic signature of a reference device enable evaluating the acceptability of the device under test.

Abstract: Systems and methods for hybrid energy harvesting for transaction cards are disclosed. Embodiments include a transaction card comprising a data storage device configured to supply account information to a transaction card terminal, a primary rechargeable power source to allow recharging and further to receive charging energy from the transaction card terminal during a transaction using the card, a secondary rechargeable power source configured to receive energy from the first rechargeable power source, and a power controller configured to control a flow of energy between the first and second rechargeable power sources.

Abstract: Methods, computer-readable media, software, and apparatuses may monitor consumer information in order to determine a probability of a data breach associated with a customer based on an online presence of the customer. The probability of a data breach may be used to present metrics to a consumer and/or a service provider. Further, the consumer may be presented with information indicating what factors contribute to the probability of a data breach, as well as information regarding how to reduce those factors.

Abstract: A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a material that may be beveled, such that a width at an end portion of the material may be smaller than a width at a middle portion of the material.

Abstract: Disclosed is a method for recording a reference biometric data item in a biometric smart card including a biometric sensor. The recording of a biometric data item acquired by the biometric sensor, as a reference biometric data item, is completed in response to the validation, by the biometric smart card, of a personal secret code of the biometric smart card user entered on a first external device to authorise a transaction between the biometric smart card and a second external device by way of the first external device.

Abstract: A casino credit access instrument comprises a source of funds for a player, such as for placing wagers to play casino-style games or to purchase other goods or services. The instrument defines a period of timed during which credit may be accessed up to a predetermined amount, defines a redemption period during which any accessed credit may be re-paid, and defines settlement terms if the instrument is not redeemed. Credit may be granted based upon financial collateral, which collateral may be executed upon to settle the instrument. The instrument provides a convenient source of funding for player at low risk to the casino or other lender.

Abstract: Described herein is a method and a system to create an account at a financial institution using a computing machine, in particular an automated teller machine (ATM). The computing machine enables an applicant to submit an application form along with a softcopy of an identification document, for creating or opening a new account at a financial institution. Based on the submitted application form and the softcopy of the identification document, the computing machine transmits the identification information of the applicant to a central server of the financial institution. In case of successful verification, the central server creates the account in real time, and the computing machine presents a confirmation of account creation to the applicant.

Abstract: An apparatus and method and electronic device, the apparatus comprising: a memory element configured to store information; a switching element coupled to the memory element; wherein the switching element is configured to be switched from a first state to a second state in response to an input signal provided by a capacitive touch screen and wherein when the switching element is in the second state the information can be read from the memory element by the capacitive touch screen.

Abstract: A method for synchronizing Customer Relationship Management data between a Software as a Service (“SaaS”) CRM provider and a mobile device. This method enables both read and write access from the mobile device whether a network connection to the SaaS provider is available or not. The method involves creating a local mobile device database to track portions or all of the SaaS provider database. In the case where a network separation occurs and the device and SaaS databases diverge, the synchronization method may be used to make the mobile device database and the SaaS database consistent and coherent again. In one embodiment, multiple local database tables are used to represent a single SaaS CRM table to facilitate synchronization, and a status indicator is used to visually and quickly convey status to the mobile user.

Abstract: An image processing device includes an acquisition unit that acquires a read image generated by reading a receipt or a bill and including a special character having a size different from a basic size of a character, a conversion unit that performs conversion processing on the size of the special character included in the read image into a size close to the basic size, and a character recognition unit that performs character recognition processing on the conversion-processed read image.

Abstract: An electronic device comprises: a housing; a touchscreen display exposed through a first portion of the housing; at least one connecting member connected to a second portion of the housing; at least one near distance wireless communication circuit positioned in the housing; a hardware secure element configured to store security information; a processor electrically connected to the touchscreen display, the at least one near distance wireless communication circuit, and the hardware secure element and positioned in the housing; and a memory electrically connected to the processor and positioned in the housing. The memory stores a first operating system (OS) including a user interface for a payment application and further stores a first application programming interface (API) for permitting access to the hardware secure element.

Abstract: The present application provides a food ordering console and a food ordering device. The food ordering console includes a housing that comprises a front cover and a rear cover attached to the front cover, wherein the rear cover comprises a main body and a protrusion that extends from the main body towards a direction away from the front cover; and input and output (I/O) devices that comprises: a display, disposed between the front cover and the main body of the rear cover; and one or more of a printer and a scanner at least partially disposed between the front cover and the protrusion.

Abstract: Systems and methods for real-time user verification in online education are disclosed. In certain example embodiments, user identifying information associated with a user and a request to access online education content may be received from a user device. A face template including historical facial image data for the user can be identified. Current facial image data can be compared to the face template to determine if a match exists. Biometric sensor data, such as heart rate data, may also be received for the user. The biometric sensor data may be evaluated to determine if the user is currently located at the user device. If the user is currently located at the user device and the current facial image data matches the face template, access to the online education content may be provided to the user at the user device.