Systems and methods for overmolding a card are provided. A chip fraud prevention system include a device including a chip and a substrate. The chip may be at least partially encompassed in a chip pocket, and the substrate may be at least partially encompassed by the overmold.

A smartcard device which includes power harvesting. Power is stored. That stored power is used to obtain biometric information on the card. In an embodiment, a smartcard is used in a card reading device, e.g, an ATM machine or other payment device. In one embodiment, the ATM swallows the card completely. In another embodiment, the card can be partly inserted into the machine or read and powered wirelessly. The fingerprint reader is put on the smart card. The client inserts the smart card into a standard ATM. The ATM recognizes a smart card with fingerprint authentication, harvests power and returns the smart card to the user. The Client authenticates their fingerprint using a fingerprint reader powered by harvested power then re-inserts the smart card. If authenticated, the client is prompted to choose one of the menu options.

An improved point of sale terminal and method of operation thereof providing new personal financial management support features thereto including receiving payment for a transaction amount from a user includes means for receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator and means for receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount. The system also includes means for transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount and means for receiving authorization from the financial institution responsive to the transmitting.

A system and method for using a payment device having identifying numbers configured in aligned segments in order to facilitate use of the payment device. A mobile device generates a Web page, the Web page having four vertically stacked windows, each for receiving first, second, third, and fourth segments of a payment account number, respectively. The mobile device receives entry of the first, second, third, and fourth segments of the payment account number into the four vertically stacked windows, respectively. The mobile device transmits the payment account number to a Web site, wherein the Web site performs a payment transaction using the payment account number.

Aspects described herein may provide a payment card having a base, a cavity positioned within the base, a wheel positioned within the cavity, a coupling component coupling the wheel to the base, a first microchip coupled to the wheel, and a second microchip coupled to the wheel. The first microchip may be associated with a first financial account and/or a first rewards offer and the second microchip may be associated with a second, different financial account and/or a second, different rewards offer. The wheel may be rotated to select between the first and second microchips, thereby allowing a financial transaction to be conducted using the selected microchip while reaping the benefits of the corresponding rewards offer.

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.

In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).

The present disclosure provides an electronic badge and a housing for the same. The housing includes: a rear case defining a main board cavity, and formed with a display opening in communication with the main board cavity and a profile card receiving slot located outside the main board cavity; and a front case detachably disposed on the rear case to enclose the profile card receiving slot or both the display opening and the profile card receiving slot, a portion of the front case opposite the profile card receiving slot or both the display opening and the profile card receiving slot being made of a transparent material.

An improved point of sale terminal and method of operation thereof providing new personal financial management support features thereto including receiving payment for a transaction amount from a user includes means for receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator and means for receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount. The system also includes means for transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount and means for receiving authorization from the financial institution responsive to the transmitting.

The mechanically stable value or security document 2000 according to the invention comprising an electric circuit 1270 is characterised by the following features: the document is formed of at least three document layers which are arranged in a stack 1700 and which are connected together face-to-face by a joining method, wherein a first document layer is formed by a circuit carrier layer 1200 which supports the electric circuit 1270, at least one second document layer is formed in each case by a compensation layer 1100 which has at least one opening 1120 and/or recess, and at least one third document layer is formed in each case by an outer cover layer 1300. The first 1200, the at least one second 1100, and the at least one third document layer 1300 are formed from a fibre composite material.