Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a remote customer by exchanging at least one payment proxy having a syntax including a monetary currency indicator preceding an alphanumeric character, corresponding to the merchant or the customer over a mesh network. A customer device detects a neighboring beacon and sends a route request through a communication channel, the route request includes at least an address of a merchant beacon device. The neighboring beacon determines a routing path to connect the customer device and the merchant beacon device by hopping over one or more neighboring beacon devices. Once the communication channel is established, the customer device can send and receive the payment proxy to and from the merchant beacon device. The customer device is configured to generate a message identifying the payment proxy as a method of payment for the payment transaction.

Abstract: A system comprising: a first mobile phone and a second mobile phone, the first mobile phone having a first digital wallet, the second mobile phone having a second digital wallet including a first payment card, the first mobile phone being capable of directly connecting with the second mobile phone via a wireless communication connection. The first mobile phone send to the second mobile phone a first request for obtaining a first data related to the first payment card. In response to the first request, the second mobile phone send directly to the first mobile phone via the wireless communication connection, the first data. The first mobile phone add the first payment card into the first digital wallet based on the received first data.

Abstract: An electronic device and a payment processing method in the electronic device are provided. The electronic device includes a memory configured to store first payment means information corresponding to a first payment means and second payment means information corresponding to a second payment means, and a processor electrically connected with the memory, wherein the processor is configured to execute a first application associated with the first payment means by activating the first payment means information, obtain a request to execute a second application associated with the second payment means, while the first application is executed, and deactivate the first payment means information based on at least the request.

Abstract: A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere.

Abstract: Systems and methods for enabling a non-custodial parent to purchase goods and service directly from merchants for a child while getting acknowledgement and consideration under a child support program for the purchased goods and services from the merchant. The method includes receiving an obligation file from an entity associated with a child support case. The obligation file includes information related to obligation agreement and obligation amount between a custodial parent and the non-custodial parent of the child. A unique ID is generated for both the custodial parent and the non-custodial parent, and a common account is created for both the custodial parent and the non-custodial parent with a merchant using the unique ID. The method facilitates delivery of an item or service to the custodial parent, via the merchant using the common account, and payment of the item or service is performed by the non-custodial parent using the common account.

Abstract: An access control system may include one or more computer processors; a memory, wherein the memory comprises an entitlement database of a resource access manager; a network communication device; and an access control module stored in the memory, executable by the one or more computer processors. The access control module may be configured to: perform the steps of: receiving a request to add one or more entitlement data records to a distributed electronic ledger; validating the one or more entitlement data records; appending the one or more entitlement data records to the distributed electronic ledger; and verifying a first entitlement data record stored in the entitlement database by comparing the first entitlement data record with a first corresponding entitlement data record stored in the distributed electronic ledger, wherein the first entitlement data record and first corresponding entitlement data record are both associated with a first user.

Abstract: A systems of servers and algorithms allows merchants to refund value, for example, for refunds on returned goods or for other customer satisfaction reasons. The system receives the request for credit from a merchant refund session as well as a target financial instrument associated with the customer receiving the credit. The system then creates a specialized monitor for the customer's transactions to identify transactions made with that merchant and applies the previously credited funds for purchases made at the merchant. These credits may be made in real time at the register during a purchase or via a statement credit. The credit may also be applied to partner brands associated with the merchant by expanding the scope of the monitor.

Abstract: An authentication and encryption computer system is disclosed including processing devices, a network interface, and a data store. The authentication and encryption system is configured to maintain in the data store content common to a plurality of entities and content independently specified by each of the plurality of entities. The system is configured to receive a content request from an application executing on a mobile device, the content request comprising a secure access code corresponding to an entity, and the content request encrypted by the mobile device. An interface, comprising the content common to the plurality of entities, is customized to include content independently specified by the entity, wherein the content independently specified by the entity comprises a token value. A user request for an item presented via the interface is received and the token value is transferred to the entity.

Abstract: A voucher ticket system and method of use employing a bill validator installed into any suitable automated machine, including an Automated Teller Machine (ATM), a gaming machine, etc. The bill validator is integrated with a bill reader, a voucher ticket reader, a reader to obtain an electronic voucher ticket from a portable computing device, a printer, and any other supporting peripheral devices. The method processes a deposit, a withdrawal, a transfer and a management of a financial balance of each account. The electronic money handling terminal and the electronic money transaction server communicate through an electronic money handling terminal interface. Upon recognition of an electronic money account of a gaming player, the system receives a voucher ticket master ID issued by a voucher ticket management system at the cash-out, and proceeds with a cash out event to the electronic money account.

Abstract: System for performing a transaction between payer and payee, including a payee client device, a payer client device, and one or more payment processing devices, wherein a payer payment application executed by the payer client device: determines virtual payment card data indicative of a virtual payment card indicative of a payer account; determines encoded virtual payment card data by encoding the virtual payment card data at least in part using an audio encoding scheme; transmits an indication of the encoded virtual payment card data to the payee client device via an audio communications channel; a payee payment application executed by the payee client device: causes decoding of the encoded virtual payment card data to determine decoded virtual payment card data; causes the one or more payment processing devices to selectively perform the transaction using the payer account at least partially in accordance with the decoded virtual payment card data.

Abstract: A not-on-us transaction at a Self-Service Terminal (SST) is initiated by a customer. Transaction details indicate that the customer is associated with a remote backend system that is accessible over a different network from that which is associated with the SST. The transaction details are forwarded from the SST to the remote backend system. Remote commands are issued from the remote backend system and translated into native commands of the SST where they are executed on the SST to process the not-on-us transaction.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for providing P2P lending through mobile wallets. The P2P lending may utilize a central registry or be a fully distributed P2P system. In some examples, the use of a network accessible P2P loan service may simplify the discovery and communication with other mobile wallets throughout the process of obtaining a loan.

Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.

Abstract: An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.

Abstract: A method for providing interaction information, such as, for example, settlement information, by which a device provides the settlement information to a counterpart device, includes displaying an image which relates to an item to be used for performing the interaction, such as, for example, a credit card image of a credit card of a user of the device, on a lock screen of the device, and receiving a touch input from the user with respect to the credit card image. In the method, settlement information which corresponds to the touched credit card image is used for performing a settlement via the device.

Abstract: Disclosed is an electronic device including: a body; a module enclosed in the body; a microcircuit and a direct current source, both forming part of the body; and an electronic component forming part of the module and accessible from the exterior, the electronic component being electrically connected to the microcircuit and having to be supplied with direct current from the direct current source. The body includes a first antenna connected to the direct current source via an oscillator and the module includes a second antenna connected to the electronic component via a rectifier circuit, the first and second antennas being electromagnetically coupled, providing a wireless radio frequency power supply to the electronic component of the module from the direct current source of the body.

Abstract: A computer-implemented method includes registering, by a mobile wallet computing system, a plurality of items to a master wallet held by a user, wherein the master wallet is associated with a mobile wallet on a user mobile device; registering one or more sub-wallets for the user, wherein each sub-wallet includes one or more of the items registered to the master wallet; and configuring one or more rules for each sub-wallet, wherein the one or more rules for a given sub-wallet define when the mobile wallet computing system provisions the given sub-wallet to the mobile wallet. The method also includes monitoring a context of the user; determining whether the one or more rules for each sub-wallet are fulfilled, based on the monitored context of the user; and in response to at least one rule associated with a predefined sub-wallet being fulfilled, provisioning the predefined sub-wallet to the mobile wallet.

Abstract: Exemplary embodiments provide methods and systems for configuring spending or credit limits for individual mobile devices for the same account, such as a credit card account. The spending limits may be configured by the primary account holder through a website or mobile application. A token id is set on the mobile device that corresponds to the account. The token id is unique for the individual mobile device During a mobile payment transaction, the token id is mapped back to the corresponding account and the available spending limit is evaluated with respect to the transaction. Based on this evaluation, an approval or denial for the transaction is generated.

Abstract: A method includes receiving, on an electronic payment device, a radio frequency signal from a mobile electronic device. The radio frequency signal is used to control an activation of an electric current to one or more color producing components on the electronic payment device. The electric current is transmitted to the one or more color producing components. The one or more color producing components display a color when the electric current is transmitted to the color producing components.

Abstract: The method obtains, through use of secure delegated access, data representing a financial transaction by a user of a financial service. The data is obtained in at least near real time following occurrence of the financial transaction. The method makes a determination that the user is proximate to a merchant identified in the data and that the financial transaction is a business expense. In response to making the determination, the method causes auto-detection functionality to detect that the user is in possession of a receipt and causes auto-focus functionality to focus on the receipt. The auto-detection functionality and the auto-focus functionality use a camera on a mobile device of the user. The method then causes the camera to capture an image of the receipt.

Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.

Abstract: A cryptography system for digital identity authentication, and security including computer system or platform to enable users (individual, identity editor, requestor) using one or more user devices, having user data including a public identifier and a hardware key, a server, a private key on an individual user device and a matching public key on the server linked to individual user data on the server, an individual user device converts an individual user data into an individual user code on individual user device, editor user device receives individual user code and communicates individual user code to server, server pairs individual user device and editor user device by matching individual user code transmitted by said editor user device to user data on the server, and requestor to request verification of an identity of individual via issuance of a verification request and verified if match of decrypted public identifier in an identity contract.

Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.

Abstract: Systems and methods are provided for communicating information between card readers and mobile devices. The systems and methods include providing a physical communication connection from a card reader to a mobile device. With the mobile device, determining whether successful physical connection to the card reader has been established and determining whether a wireless connection has been established with the card reader. If a wireless communication connection has not been established with the card reader, establishing a wireless communication connection with the card reader and continuously monitoring whether the physical communication connection and the wireless communication connection with the card reader continues and communicating information between the card reader and the mobile device using both the connections as long as either continues.

Abstract: A virtual card opening method and system, a payment system, and a card issuing system are disclosed. The method comprises: receiving, through an online traffic entrance associated with a payment system, a virtual card opening request from a user, the virtual card opening request comprising user information and type identifier information of a virtual card; searching, by the payment system, for a rule for acting as an agent to open a card and a card opening condition corresponding to the type identifier information from the payment system, the rule for acting as an agent to open a card and the card opening condition being obtained in advance by the payment system from a card issuing system; and generating, by the payment system, a target virtual card according to the user information and the rule for acting as an agent.

Abstract: A Transition Smart Card (TSC) is disclosed herein. The TSC receives data card information from credit and debit cards via a mobile phone. The TSC is used to present the financial card information card readers, such as magnetic card readers, for performing financial transactions. The TSC may connect with the mobile phone wirelessly or through a nest coupled to the mobile phone to receive financial card information for presentation to a magnetic card reader. The TSC may include a data display screen, a biometric device to authenticate a user, a dynamic broadcasting module for transmitting magnetic data, an ON/OFF switch to activate the card for use, and a rechargeable battery configured to be charged by proximity to another device such as a smart phone. The nest may include solar cells and other energy harvesting devices to obtain and provide electricity to the TSC.

Abstract: Systems, methods, and apparatuses for detecting, capturing, and tracking financial transactions are provided. A method of detecting, capturing, and tracking includes registering, by a user device, a virtual cash register with the user device, wherein the registration includes associating the virtual cash register with a financial account; detecting, by the virtual cash register via the user device, a potential financial transaction using at least one of paper and coin currency; extracting, by the virtual cash register via the user device, financial transaction data regarding the potential financial transaction; generating, by the virtual cash register, a report regarding the financial transaction data; and providing, by the virtual cash register, the report to a predefined location.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for allowing for payment of transactions initiated with a client device to be completed using a mobile device and requiring multiple-step authentication of the user before completing the transactions.

Abstract: There is provided a method for use by a mobile device. The method includes launching a software application requiring an identity verification of each of a plurality of users for performing a requested action, the plurality of users including a first user and a second user, receiving a first biometric information of the first user and a second biometric information of the second user, sending the first biometric information of the first user and the second biometric information of the second user to a server, receiving notifications from the server as to whether the first and second biometric information corresponding to biometric information in first user and second user profiles, respectively, and performing the requested action, if the notifications indicate a match.

Abstract: A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved.

Abstract: A method for receiving a payment includes receiving information for a transaction with a merchant over the network, wherein the transaction includes an incomplete online transaction associated with a user account. A location of a user device that is associated with the user account is then retrieved, and a payment location is determined that is within a predetermined distance of the location of the user device. The payment location is then sent over the network to the user device. The user of the user device may then go to the payment location to provide payment information offline to a payment location device (e.g., by presenting a payment card to the payment location device provider, providing cash, etc.). That payment information is then received over the network from the payment location device and, in response, the online transaction is completed.

Abstract: Concepts and technologies are disclosed herein for enabling access to restricted data using geofences. A system can identify a device associated with restricted data that includes network data that law prohibits the use of for commercial purposes without authorization. The system can determine use parameters associated with the device, each of the use parameters including a device identifier, a geofence, time limits, and an indication of purposes. The system can determine if the device is at a geographic location that satisfies the location that is defined by the geofence, if the time limits associated with the geofence are satisfied, and if a purpose for which the restricted data will be used matches a one of the purposes. If the system determines that the location, time limits, and purposes are satisfied, the system can use the restricted data for the purpose.

Abstract: Provided is contextual and time sensitive out-of-band transactional signing. The transactional signing includes providing a token code in response to a request to initiate a transaction within a secure network. The request is received over a first channel and the token code is provided over a second channel. The first channel and the second channel are different channels. The transactional signing also includes evaluating a received context, wherein the context is appended to the token code. In addition, the transactional signing includes selectively allowing the transaction based on the context appended to the token code.

Abstract: An electronic transaction system, comprising bearer bond means for providing an online electronic bearer bond having a monetary value, transaction means for performing monetary transactions with said bearer bond means, and network means for providing user access to said bearer bond means and said transaction means. A method and system of an electronic transaction is provided where the method includes issuing information of a card having a monetary value and applying the monetary value of the card towards a payment for a transaction.

Abstract: An authentication method is disclosed. To authenticate a user, a mobile device may request identification and verification from the user. Upon receiving a positive identification and verification response from the user, the mobile device may generate a cryptogram using a user identification (ID) associated with the user, a timestamp, a device ID associated with the mobile device, a service provider application ID associated with the service provider application, and a service provider device ID. The mobile device may transmit the generated cryptogram, the user ID, the timestamp, the device ID, the service provider application ID, and the service provider device ID, to a service provider computer associated with the service provider application. The service provider computer may decrypt the cryptogram and compare the decrypted data elements to the received data elements to validate and authenticate the user.

Abstract: The present invention relates to a method for controlling the identity of a user (U), comprising the following steps implemented by an identity-controlling device (3): reading, in a public database (4), confidentiality-protected data if any previously generated by an identity-attesting device (1) from an identity element of a user (U) and at least one random datum specific to the user (U); verifying (120) heed of a condition relating to the confidentiality-protected data found in the public database (4); performing predetermined processing for the user (U) only if the condition is heeded. The public database is of blockchain type and the confidentiality-protected data generated by the identity-attesting device (1) are associated in the public database (4) with first transaction data indicating that the identity-attesting device (1) has transferred a predetermined amount of electronic currency to a recipient.

Abstract: A digital modifier processing system includes a memory and a processor that receives a transaction message for a pending digital wallet payment transaction that includes a digital wallet identifier and a merchant identifier, identifies the digital wallet of the consumer based on the digital wallet identifier, determines, based on the merchant identifier, that the digital wallet of the consumer contains a digital modifier associated with the merchant that was donated by the merchant to a fundraiser as part of a fundraising campaign, the digital modifier identifies (a) one or more of a product and a service and (b) a discount amount for the one or more of the product and the service, verifies one or more of the authenticity and validity of the digital modifier, calculates a modified transaction price based on the discount amount, and transmits the modified transaction price for use in completing the pending payment transaction.

Abstract: A blockchain transaction record that is selected from a blockchain account book associated with a blockchain and satisfies a specified condition is obtained by a blockchain member. The blockchain transaction record is compared with an off-chain transaction record maintained by the blockchain member to obtain a comparison value indicating whether the off-chain transaction record is consistent with the blockchain transaction record. If the comparison value indicates that the off-chain transaction record is inconsistent with the blockchain transaction record, the off-chain transaction record is modified based on the blockchain transaction record to make the off-chain transaction record consistent with the blockchain transaction record.

Abstract: Systems and methods provide for integrating a wallet client with federated directory services are disclosed herein. By integrating merchant services, such as directory services with a wallet service provider, wallet clients on mobile devices can have access to all merchant listings without having to manually add each directory service. The system disclosed herein integrates Chamber of Commerce directory service listings with the wallet client, such that when a request for a merchant directory service is received from a device associated with the wallet client, the request is forwarded to a federated directory service wallet system interface operated by a Chamber of Commerce site. Supply chain data that matches the request, and location information that is included in the request, is then fetched from the federated directory service wallet system interface and forwarded to the device that sent the request.

Abstract: A method and/or NFC (Near Field Communication) enabled mobile device is provided for executing an electronic contract on NFC enabled mobile devices. The (NFC) enabled mobile device applies an electronic signature thereof in an electronic contract provided on the NFC enabled mobile device used by a first contracting party, where the electronic signature is applied through a secure element of the NFC enabled mobile device. The NFC enabled mobile device determines that the NFC enabled mobile device is not within NFC range to an other NFC enabled mobile device used by a second contracting party to the electronic contract. In response to the NFC enabled mobile device determining that it is not within NFC range to the other NFC enabled mobile device, the NFC enabled mobile device sends, to the other NFC enabled mobile device, a multimedia messaging service (MMS) text message that includes the electronic contract.

Abstract: A user may perform activities at an automated device having various technical features, such as a display, a printer, a camera, a microphone, a speaker, and other features used to perform activities at the automated device. During performance of an activity, the user may run into an issue and request assistance from an agent having a computing device (e.g., a portable computing device). Additionally or alternatively, the automated device may detect the issue and send a request for assistance to a computing device managing a transaction assistance portal or directly to the agent's computing device. The request may identify the user, the activity, and/or the issue, and the agent and his or her computing device may be used to resolve the issue. The agent's computing device may also be used to facilitate customer relationship management with the user.

Abstract: Systems and methods for device authentication are disclosed. In one embodiment, a method may include (1) an acquirer portion receiving a device credential and a payment credential that were received from the payment application in conjunction with a transaction, the acquirer portion further receiving transaction data for the transaction from the merchant; (2) the acquirer portion performing a first validation assessment on the transaction based on the transaction data and first data retrieved from a first data source; (3) the payment network portion performing a second validation assessment on the transaction based on the transaction data and second data retrieved from a second data source; and (4) the issuer portion identifying and authenticating the customer based on the device credential, the payment credential, and at least one of the first validation assessment and the second validation assessment.

Abstract: Order information indicating a purchase order is received from an ordering device. Whether a display terminal corresponding to the ordering device from which the order information has been sent exists or not is determined using information which indicates correspondences between ordering devices and display terminals. Message information indicating acceptance of the purchase order indicated in the order information is transmitted to the corresponding display terminal. It is determined whether status information indicating that the message information was displayed on the display of the corresponding display terminal has been received from the corresponding display terminal or not. A cancellation period during which a process for canceling the purchase order indicated in the order information is accepted is started upon reception of the status information.

Abstract: Methods and systems for transmitting data are described. A random data stream is generated. A data stream is generated comprising the random data stream and indicators as to which data of the random data stream is valid data to be communicated to a recipient. The random data stream and/or the data stream may be communicated using quantum entanglement.

Abstract: A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships.

Abstract: A cooking control method of a cooking appliance comprises the following steps: acquiring a rice species identifier of rice to be cooked (S1); receiving cooking preference information of a user (S2); acquiring a corresponding rice species type according to the rice species identifier (S3); acquiring a corresponding cooking curve according to the cooking preference information and the rice species type (S4); and controlling the cooking appliance according to the cooking curve (S5). The cooking control method controls a cooking process according to user preference and the rice species type, thus greatly improving a cooking effect of the cooking appliance, and improving use satisfaction of the user. Also disclosed are a cooking appliance and cooking control device thereof.

Abstract: Aspects of the disclosure relate to token-based authentication mechanism. A computing device may receive information, determined by one or more sensors systems, corresponding to a user. The user information may comprise user biological information as measured by the one or more sensor systems. The computing device may generate a token based on the received user information. The computing device may store the generated token, in a memory associated with the computing device. The computing device may transmit the token to a user token device corresponding to the user. The user token device may be used to authenticate the user.

Abstract: A system is configured to perform operations that include receiving an input corresponding to a transaction by a user at a merchant location and determining, based on the input, an identifier corresponding to the user. The operations also include authenticating, via an electronic network, the user with a payment provider server of a payment provider and accessing from the payment provider server based on the identifier, digital wallet information corresponding an account of the user that is maintained by the payment provider. The operations further include receiving a selection of a first digital payment instrument of one or more digital payment instruments and transmitting, via a payment network to a payment processor, payment instructions that cause the payment processor to process a payment corresponding to the transaction using first payment information associated with the first digital payment instrument.

Abstract: An automated teller machine (ATM) server includes a processor circuit and a memory including machine-readable instructions that cause the server processor circuit to, based on receipt transaction request messages, cause a transaction fee to be debited from a credit account that is associated with an account identifier contained in the transaction request message. A portion of the transaction fee is credited to a prize pool for a progressive jackpot, and the ATM server determines when a triggering condition has been satisfied by content of one of the transaction request messages for one of the ATM transactions. When the triggering condition has been satisfied for a particular one of the transaction request messages, an award message is transmitted including an instruction to award a portion of the prize pool to a user associated with the transaction request message.

Abstract: A personal digital ID device provides a digital identifier to a service for a predetermined duration in response to user interaction. The user interaction may include a button press. The personal digital ID device may be in the form of a bracelet, a key fob, or other form factor. The service may be provided by a mobile device, in the cloud, or elsewhere.