The invention concerns a method for deactivating a payment module attachable to a communications terminal, comprising: a phase for deactivating comprising at least one step for erasing the main memory of said payment module with the exception of a non-volatile memory zone in which an encryption key k is stored, said encryption key k being available only when said main memory is empty; a phase for verifying comprising: a step for verifying that said main memory is empty, delivering a positive or negative result of verification; if said result of verification is positive: a step for computing a response to a challenge preliminarily received by said payment module from an entity distinct from said payment module, said computation being implemented by means of said encryption key k; a step for transmitting said response to said entity.

The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.

The emergency response system and property reporting system provide a unique property identifier accessible at a property outside of a building or other structure. A user scans the property identifier with a mobile computing device to identify the property. The mobile computing device transmits the property ID and user authentication data to the server to authenticate and authorize the user. The server provides the user with the requested property data if the server authorizes the access by the user. The server also notifies a property contact that a user has scanned the property identifier of the property.

A contactless card useful for adjusting the operation, configuration, and/or performance of a secondary device is described. The contactless card is equipped with a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits that information in the form of an accommodation message to the secondary device after being placed in a NFC field generated by the secondary device. In some embodiments, the contactless card requests an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. In some embodiments, the contactless card may adjust what accommodation information is included in the accommodation message based on the authentication certificate received from the secondary device.

An approach is provided for purchasing items using contactless payment devices (credit cards and debit cards, key fobs, smartcards or other devices). The approach retrieves the contactless payment identifiers that each pertain to a separate payment account used by a user. One of the contactless payment identifiers is selected based on one or more selection criteria, such as user and monetary incentives. The approach further pays for purchases using the payment account that corresponds to the selected contactless payment identifier.

Embodiments are directed to a mobile bank card number generator for digital wallet. Embodiments receive a request from a user to perform an ATM transaction on an account owned by the user; in response to the request to perform an ATM transaction, generate a one-time bank card number associated with the account owned by the user; generate a readable indicia based at least in part on the one-time bank card number; and initiate communication of the readable indicia to an ATM, wherein the ATM receives a user authentication credential from the user, a bank system validates the user authentication credential and in response to validating the user authentication credential, approves the ATM transaction for the user's account.

A system and method for distributing prepaid cash alternatives and resolving exceptions related to the sale of prepaid cash alternatives such as traveler's cheques or prepaid cards. Reports of sales may be reviewed to identify exceptions, and information explaining the exceptions may be made available electronically. Sellers may be notified of exceptions by e-mail, which may include a link or address to information explaining the exceptions. The information may be provided in real time through a secure site on a network, such as the Internet. A company may contract with business partners to sell the prepaid cash alternatives to customers, and the business partners may report the sales to the company via reports. After being notified of exceptions, business partners may provide corrected information or new information to resolve the exceptions.

A system or method is provided to allow users to share or donate a portion of their credit line to others. In particular, the system may provide an interface between credit line donors and recipients and allow a user's friends or family to donate portions of their credit lines to the user. With the system serving as an intermediary between the borrowers and the lenders, the credit line donation arrangement may be hidden from the lenders. The system may manage the distribution of the credit line from the five donor friends to the beneficiary friend. Further, the system may manage the payoff or pay back of the credit lines from the beneficiary friend back to the lenders. In particular, based on the donation arrangement, the system may receive the payoff amount from the beneficiary user and distribute the payoff back to the lenders.

Disclosed herein are systems and methods for real-time provisioning of new card numbers to users of a consumer computing system. A consumer computing system (“CCS”) may have servers and databases situated within a banking infrastructure in order to provide various features to users via a software application executed by a client device. The software application may interact with the CCS servers, such that the CCS servers and the software application offer the client device and the user certain features not ordinarily available in conventional banking infrastructures. These features may include the real-time provisioning of card numbers for a user's banking account. In operation, the client device may submit a request for a new card number to a CCS server, which may be generated in real-time and active in the payment stream when the card number is generated.

A smartcard-enabled BPID Security Device integrates a smartcard reader with a biometric authentication component to provide secured access to electronic systems. The device allows for an individual to insert a smartcard into an aperture in the physical enclosure of the BPID Security Device, allowing the smartcard and the BPID Security Device to electronically communicate with each other. The BPID Security Device is based on a custom application specific integrated circuit that incorporates smartcard terminals, such that the BPID Security Device can communicate directly with an inserted smartcard. In an alternative embodiment of the invention, the BPID Security Device is based on a commercial off-the-shelf microprocessor, and may communicate with a commercial off-the-shelf microprocessor smartcard receiver using a serial, USB, or other type of communication protocol. The device allows for enrolling a user's credentials onto the BPID Security Device and for authenticating an individual using the BPID Security Device.