A method of facilitating the exchange of data between a user having a computing device, and a remote entity, where a first connection has been established between the user and the remote entity, and where the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity. The method comprises establishing, at a server, a second connection to the computing device; enabling retrieval of a user authentication attribute associated with the data exchange information; enabling retrieval of a device authentication attribute associated with the data exchange information;

enabling authentication of the user using the user authentication attribute; and enabling authentication of the computing device using the device authentication attribute, where data may be exchanged between the computing device and the remote entity in accordance with the data exchange information following authentication of the user and the computing device.

A method includes applying at least one fraud management machine learning algorithm to a corpus of payment card account transactions. A fraud management profile is built for a payment account holder who performed the payment card account transactions. After the algorithm is applied, the account holder is issued access to perform EFT (electronic funds transfer) transactions via an EFT network switch. The EFT transactions are initiated by the account holder at payment card account acceptance points. The EFT transactions are funded by a bank deposit account owned by the account holder. The fraud management profile is applied to perform fraud management review of the EFT transactions.

A payment information processing method is disclosed. The method includes detecting a preset operation for a user interface; displaying a new window on the user interface, the new window including one or more payment application identifiers; selecting a payment application identifier in the new window; and displaying payment information corresponding to the selected payment application identifier on the user interface, thus implementing a convenient means of making a payment without interrupting a current operation of the user, and greatly improving the user experience.

An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.

A system for embedding interactive experiences onto a payment card and methods for making and utilizing the same. The system can include creating an embedded interactive experience on a payment device and performing an action relative to a payment device user and/or a payment associated with the payment device via the embedded interactive experience. In selected embodiments, the embedded interactive experience can be changed dynamically. The embedded interactive experience can be changed, for example, by the payment device user, by remote software commands or automatically based on information about the payment device user and recent purchases made via the payment device. Advantageously, the system can provide a process by which interactive experiences can be embedded into the payment device in a manner that can be controlled by an interface, such as a digital (i.e., mobile or web) interface presented via a mobile application or website.

One or more systems, devices, computer program products and/or computer-implemented methods of use provided herein relate to tracking and publication of assets on blockchain or distributed ledger. The computer-implemented system can comprise a memory that can store computer executable components. The computer-implemented system can further comprise a processor that can execute the computer executable components stored in the memory, wherein the computer executable components can comprise a payment component that can provide a payment platform that enables a payment instrument to be used for performing one or more financial transactions associated with a smart contract or a core API, wherein the smart contract or the core API is executed on a distributed ledger network that can operate on a hashgraph consensus, wherein the payment instrument is an financial instrument associated with a bank, and wherein the payment platform bridges web3 technology with traditional payment rails.

A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.

Systems, methods, and program products for providing and administering a digital asset network of cooperative nodes with rapid transaction settlements are disclosed.

Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

A communication device including a device-side antenna 30 for wireless communication with an IC card 10 including a card-side antenna 11 wound in a rectangular form. The antenna 30 is formed in one or multiple loops. During the wireless communication with the IC card 10 having an inner perimeter with a long dimension of 69 mm and a short dimension of 38 mm at a distance of 25 mm, an inner perimeter of the antenna 30 is formed at a position at which intensity H of a magnetic field produced by the card-side antenna 11 in a direction perpendicular to a surface on which the antenna 30 is disposed is in a range expressed by inequation (1):

0.037I/4Π<H<0.063I/4Π  (1)

where I is a current of the card-side antenna [A] and Π is pi.