Disclosed is a wearable badge (100) for holding an identification card (200). The badge (100) comprises a card holder (2) configured to removably hold an identification card (200), a first optical sensor (16) configured to measure an optical property of a first region (22) of a surface of the identification card (200) when removably held by the card holder (2), and a processor (20) configured to determine a type of the identification card (200) based on the measured optical property of the first region (22). Furthermore, a system is provided comprising the badge (100) and a set of identification cards (200), wherein at least some of the first regions (22) comprised by the set of identification cards (200) have different optical properties that encode different types of identification cards. Also disclosed is a method of determining a type of an identification card (200).

A method or a system, automatically and electronically ensures that customer pays for all goods picked up and the customer takes out of the shop only goods paid for. All this is done without the need of a shop teller and finally without the need of a shop supervisor to periodically crosscheck and ensure that the total amount of money collected by the shop teller (within a period) equals the total value of goods disbursed. The resultant of this system are the shop runs can run a totally cashless shop; reduce human resource by a significant percentage; shop can be opened 24/7; no more queues at shop teller points even during peak periods or major sales.

A card reader includes a card conveyance path comprising upper and a lower conveyance paths to convey a card inserted into a device; and a reading unit that reads information on the card. Lower concave and convex portions are provided on an upper surface of the lower conveyance path behind the reading unit. Upper concave and convex portions are provided on a lower surface of the upper conveyance path to be fitted to the lower concave and convex portion. A pressing unit provides a fitted state of the lower and upper concave and convex portions when no object is present. A detection sensor detects a state where an interval between the lower and upper concave and convex portions is widened. The detection sensor detects the state where the interval is widened, to recognize that an object is inserted between the lower and upper concave and convex portions.

A payment method, a payer terminal, and a payee terminal are provided. The method includes receiving a transaction request from a payee terminal that includes a payment amount and determining whether an electronic cash application has a balance that is sufficient to cover the payment amount. If the balance is not sufficient, determining whether there are at least two electronic cash applications, a sum of whose balances are greater than or equal to the payment amount. If the balances are sufficient, selecting a group of electronic cash applications, a sum of whose balances are greater than or equal to the payment amount, performing deduction from a balance of each selected electronic cash application until a sum of the deduction is equal to the payment amount; and sending account number and corresponding deduction data of each of the selected electronic cash applications and transaction identifications to the payee terminal.

Systems and methods are described related to using flexible circuity in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. The second secure element comprises a second computer-readable medium having a security key, a payment instrument, stored authentication data and instructions for generating a secure payment information message responsive to the payment application. The secure payment information message comprises the payment instrument and is encrypted in accordance with the security key.

A contactless card reader comprises a contactless card reader front-end coupled to a processor. A communications module is coupled to the processor and a set of sensors is coupled to the processor. The set of sensors determines parameters related to the location, orientation and motion of the card reader. The processor receives the parameters from the set of sensors and utilizes the parameters and scenario configuration data to evaluate a rule. The result of the evaluation of the rule results in a limitation on the operation of the card reader. The communications module is configured to intermittently receive the scenario configuration data from external sources.

A wireless device can store account identifiers and facilitate transactions. The wireless device can be loaded with user account identifiers and can be presented to various checkpoint devices. When presented, the wireless device can transmit a selected account identifier to the checkpoint device. In the context of a purchase transaction, the checkpoint device can be a point-of-sale terminal and the account data can be financial account data. In some instances, the wireless device can also facilitate a purchase transaction, e.g., by obtaining information about products to be purchased, constructing a purchase order from the product information, and transmitting the purchase order to a point-of-sale terminal.

A transaction card construction and computer-implemented methods for a transaction card are described. The transaction card has vector-formatted visible information applied by a laser machining system. In some embodiments, systems and methods are disclosed for enabling the sourcing of visible information using a scalable vector format The systems and methods may receive a request to add visible information to a transaction card and capture an image of the visible information. The systems and methods may capture data representing the image. The systems and methods may also determine an ambient color saturation of the image. Further, systems and methods may translate the image based on the ambient color saturation of the image. The systems and methods may also map the translated image to a bounding box and convert the mapped image into vector format. In addition, the systems and methods may provide the converted image to a laser machining system.

This application relates to systems, methods, and apparatus for using a computing device to perform payment transactions while the computing device is operating in a low power wallet mode during a low battery state of the computing device. During a low power wallet mode, various subsystems are prevented from receiving current from a battery of the computing device, while a near field communication (NFC) system of the computing device is provided with an operating current for detecting target systems. A target system and the NFC system can communicate during the low power wallet mode of the computing device, thereby allowing a user of the computing device to conduct payment transactions when the computing device is in a low power wallet mode. Such payment transactions can be useful if the user is ever stranded without enough power to fully operate the computing device and needs to pay for transportation.