Implementations include actions of receiving consumer-specific data and ID-specific data from an identification presented by a consumer to a vending machine, processing at least a portion of the ID-specific data to determine one or more of whether the identification is unexpired and whether the identification is authentic, and serving the consumer from the vending machine at least partially in response to determining that the identification is unexpired and that the identification is authentic and determining that the consumer is authentic relative to the identification.

Implementations include actions of receiving consumer-specific data and ID-specific data from an identification presented by a consumer to a vending machine, processing at least a portion of the ID-specific data to determine one or more of whether the identification is unexpired and whether the identification is authentic, and serving the consumer from the vending machine at least partially in response to determining that the identification is unexpired and that the identification is authentic and determining that the consumer is authentic relative to the identification.

A payment processing method uses a credit push for disbursing funds at ATM. The process can include scanning an optical code at an ATM using a mobile device to determine creditor bank information. A debtor bank server receives a funds disbursement request and provides a credit push request to a payment rail. The payment rail communicates a credit payment transaction request to a creditor bank sever. The creditor bank server identifies the ATM using an ATM identifier provided to the mobile device via the optical code. The ATM is instructed to disburse funds by the creditor bank server. The method includes using the mobile device, or other issuer domain, authentication procedures. The funds can be disbursed by the ATM without the ATM performing any authentication procedures.

Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.

A settlement system performs on-line settlement and off-line settlement by switching between them, while reducing risk to the business side and not causing a user making payment to be aware of the switching.

A terminal device includes selection means for comparing a payment amount with a set amount read from a recording medium and for selecting between off-line processing and on-line processing, depending on a result of the comparison, off-line processing means for performing a process of subtracting the payment amount from the set amount recorded in the recording medium and a process of sending the payment amount to a server device; and on-line processing means for performing a process of sending the payment amount to the server device and a process of updating the set amount when having received an update value. A server device includes server processing means for performing a process of receiving the payment amount from a terminal device and a process of subtracting the payment amount from a balance of an account corresponding to the recording medium, and for performing, in a case of the on-line processing, a process of sending the update value to the terminal device.

A method and apparatus is provided for verifying the validity of ID cards. A card reading device reads an ID card and transmits a request to a database server. A database is queried and a reply is sent back to the card reading device indicating whether the ID is valid. If desired, the reply can include additional information, such as a description of the ID holder. The ID verification system can be used to help verify whether an ID belongs to the ID holder. The system can also log and timestamp events for future access.

An example transaction card may include a sensor to measure movement of the transaction card and one or more processors to monitor the movement of the transaction card via the sensor during a tracking period; determine measurements of a gait of a user during the tracking period from the movement of the transaction card during the tracking period; compare the measurements of the gait of the user during the tracking period and a gait signature associated with the transaction card; and/or perform an action associated with the transaction card based on a result of comparing the measurements of the gait of the user during the tracking period and the gait signature.

Systems and methods for user authentication using an authentication sequence are disclosed. The disclosed systems and methods may include a computing device for authenticating a user. The computing device may include at least one processor and at least one computer-readable medium. The at least one computer-readable medium can containing instructions that, when executed by the at least one processor, cause the computing device to perform operations. The operations may include receiving an authentication sequence provided by one or more authentication objects and authenticating the user based on the authentication sequence. The authentication sequence can be a card-swipe sequence and authentication can be performed based on characteristics of the card-swipe sequence, such as the cards used, the order the cards are used in the sequence, the timing of card use, and the type of card swipe.

A physical card (in some cases without any on-board source of power or computing capabilities) is configured to maintain access information for digital bearer assets. The physical card may include disposed thereon a single address operable to receive digital bearer assets in one or more transactions on a decentralized computing platform, like a blockchain-based decentralized computing platform. Other decentralized computing platforms utilize different address generation protocols, thus preventing use of a single address on those other platforms. A set of addresses is generated, each address corresponding to a given decentralized computing platform. Each address is based on a same underlying key-pair, and a primary address is selected from the set for a given card. The remaining addresses in the set are stored, without storage of the public key or private key, and returned in a response to a request for additional addresses of the currency card.

In various some embodiments a cellular card includes at least one microprocessor. The cellular card is equipped with multiple devices and configured with multiple functionalities to deter use of the cellular card in unsecure or fraudulent transactions. In various embodiments, the cellular card overcomes drawbacks often associated with cards containing batteries such as battery overheating, battery short life time, battery underperformance in extreme temperatures, and other types of drawbacks associated with batteries contained in cards.