A method for generating a time-dependent signal on a capacitive surface sensor is provided and a method for identifying a card-like object, as well as a card-like object and the use thereof are also provided.

A method for generating a time-dependent signal on a capacitive surface sensor is provided and a method for identifying a card-like object, as well as a card-like object and the use thereof are also provided.

The present technology pertains to storing transaction information for transactions with merchants in association with an identifier of a buyer, and transmitting an electronic receipt, including the transaction information to the buyer. The present technology includes a system and methods for associating a transaction card number with the user identifier of the buyer, such that the transaction information can be associated with the user identifier of the buyer even when the merchant does not receive the transaction card number or the user identifier of the buyer.

Systems and methods provided herein may include a card replacement system. The system may include an automated teller machine in data communication with a server. The automated teller machine may include an input device; a processor; a replacement card storage containing at least one replacement card, wherein the at least one replacement cards may include a magnetic stripe and a chip; a magnetic stripe writer; a chip writer; and an embossing device. The processor may be configured to: receive a replacement card request via the input device; request replacement card information from the server; encode replacement card information onto the replacement card using the magnetic stripe writer and the chip writer; and emboss user information onto the replacement card using the embossing device.

A system that exploits collaboration between a plurality of spatially distributed RFID readers to enhance the range of commercial passive RFID tags, without alteration to the tags. The system uses distributed MIMO to coherently combine signals across geographically separated RFID readers. It is capable of inferring the optimal beamforming parameters to beam energy to a tag without any initial knowledge of the location or orientation of the tags.

Aspects described herein may allow for detecting fraudulent transaction requests using light sensors on smartcards. A computing device may receive, from a terminal, a request to approve a transaction. The request may comprise a timestamp corresponding to a time when the transaction was requested, a transaction type associated with the transaction, and an identification of a card associated with the transaction. The computing device may also receive, from one or more light sensors associated with the card, light data. The light data indicates an amount of ambient light during a time period when the transaction was requested. The computing device may determine, based on the transaction type, a model of expected ambient light. If the light data corresponds to the model, the computing device may send, based on the determination that the light data corresponds to the model, an approval of the request.

Aspects described herein may allow for detecting fraudulent transaction requests using light sensors on smartcards. A computing device may receive, from a terminal, a request to approve a transaction. The request may comprise a timestamp corresponding to a time when the transaction was requested, a transaction type associated with the transaction, and an identification of a card associated with the transaction. The computing device may also receive, from one or more light sensors associated with the card, light data. The light data indicates an amount of ambient light during a time period when the transaction was requested. The computing device may determine, based on the transaction type, a model of expected ambient light. If the light data corresponds to the model, the computing device may send, based on the determination that the light data corresponds to the model, an approval of the request.

A browser executing on a computer terminal associated with a merchant receives a payment request for a purchase by a customer from the merchant. The computer terminal transmits, over a communications network to a mobile communication device associated with the customer, a push notification including the payment request and a set of instructions. The payment request indicates an identifier and amount of the purchase. The set of instructions causes the mobile communication device to activate a card reader using a mobile payment app, present the purchase amount to the customer on a touch-sensitive display of the mobile computing device, receive an acceptance of the purchase amount from the customer via the touch-sensitive display, and authorize the card reader to process payment for the purchase amount based on the acceptance. The computer terminal receives, over the communications network, a confirmation of the processed payment from the mobile computing device.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services.

A system for detecting a fraudulent ATM transaction is disclosed. The system relates to an ATM machine that receives a bank/ATM card from a customer. The ATM first attempts to read information from the card chip, but is unable to do so due to a read error. The ATM then instead reads the information from the magnetic strip, and initiates a fraud detection procedure. In one such procedure, the ATM uses a local wireless access point to detect a customer's device, such as a phone, in the vicinity of the ATM. In another such procedure, the ATM communicates with a backend server. The backend server then determines the location of the customer device either by transmitting a message to request authorization, or by utilizing GPS or other location-detection means on the customer device to determine whether the customer device is within the ATM vicinity.