Various methods, systems, and devices for loading currency into an electronic wallet are provided. In general, a currency acceptance terminal can be configured to accept currency from a user for loading into the user's electronic wallet, which may be used to purchase products from a merchant. The currency acceptance terminal can be unmanned such that the currency can be accepted and loaded into the electronic wallet without a cashier or other employee handling the currency or the currency acceptance terminal.

A thin client may be utilized to facilitate data exchanges between two devices (e.g., a remote computer and a portable device). In some embodiments, the two devices may utilize differing communications protocols. The thin client may further be configured with a rules engine that determines one or more actions to be performed in response to one or more stimuli. The thin client may manage the processing flow between the two devices according to one or more predefined rules that are interpretable by the rules engine. The rules may be pushed to the thin client via any suitable device enabling the functionality of the thin client to be configured and/or modified without having to update the hardware and/or software of the thin client.

Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.

An electronic device is provided, which includes a wireless communication module; at least one processor; and a memory configured to store instructions that, when executed by the at least one processor, cause the electronic device to perform a transaction with an external device using the wireless communication module, receive, from a payment server, payment approval information indicating that the transaction is approved, the payment approval information including device information of an access point (AP) located in an offline merchant and period information, establish, in response to receiving the payment approval information, a connection with the AP using the wireless communication module based on the device information of the AP, after the connection with the AP is established, operate a timer corresponding to the period information, and terminate the connection to the AP when the timer expires.

According to various embodiment of the present invention, an electronic device comprises: an audio module including a speaker and a receiver; a codec circuit for transmitting and receiving an audio signal; a magnetic secure transmission (MST) circuit; a switch unit; a memory; and a processor electrically connected with the audio module, the codec circuit, the MST circuit, the switch unit, and the memory, wherein, if a function for requesting a payment is executed when the codec circuit and the audio module are connected with each other, the processor can be configured to: control the switch unit so as to connect the MST circuit with the speaker and/or the receiver, which are included in the audio module; and transmit the MST signal for the payment by using the speaker and/or the receiver, which are connected with the MST circuit. In addition to various embodiments disclosed in the present invention, other various embodiments are possible.

An electronic device according to various embodiments of the present invention may include an antenna module configured to sense an electromagnetic (EM) signal generated from an external electronic device, a communication module, a processor operatively connected to the antenna module and the communication module, and a memory storing instructions which, are configured to, when executed, cause the processor to identify the external electronic device based on at least part of the EM signal sensed from the external electronic device via the antenna module, identify whether the identified external electronic device is registered in a designated control application, and provide information related to the external electronic device based on whether the external electronic device is registered. In addition, other various embodiments of the present invention may be possible.

Embodiments of a smart card and systems and methods for secure data access using a smart card are described. The smart card may be formed a substrate and may include a microprocessor, a memory containing an applet, a counter, and a unique identifier. The smart card may dynamically generate a unique uniform resource location (URL) and transmit the URL to via a contactless communication interface to securely facilitate data access from other devices.

A donation facilitation system that can allow a donor, such as a customer, to challenge another entity, such as a provider, to make a provider contribution to a portfolio of multiple charities set up by the donor upon, for example, the purchase of a good or service from the provider. The provided portfolio donation facilitation system can allow the other entity such as a provider to create its own provider portfolio of multiple charities and make a provider contribution to a customer's portfolio of multiple charities when at least one component of the provider's portfolio of multiple charities matches at least one component of the customer's portfolio of charities. The provider makes the contribution to the charity or charities.

A mobile consumer device with a display, processor(s), and memory: identifies a merchant device in proximity to the consumer device based on broadcasted information transmitted by the first merchant device, the broadcasted information including a first identifier corresponding to the first merchant device; transmits the first identifier to a server and receives from the server an electronic communication including identification and transaction information associated with the merchant; displays the identification information, receives user selection of the merchant identification information; and in response, displays the merchant transaction information, receives supplemental user information, and transmits the supplemental transaction information to the server for completion of the transaction.

The present disclosure discloses a proximity-based secure communication system and method for digital transactions. The system comprises: a slave terminal with a near field communication (NFC) radio frequency communication channel, wherein the slave terminal remains in the listening mode in the NFC radio frequency communication channel; and a master electronic device with an NFC radio frequency communication channel. The slave terminal is configured to send an Answer-to-Reset (ATR) to the master electronic device when, by proximity, the slave terminal detects the activation of the NFC radio frequency channel. The slave terminal and the master electronic device exchange Application Protocol Data Unit (APDU) commands that represent a digital transaction by means of the NFC radio frequency channel, such that the master electronic device sends request APDU commands to the slave terminal, and the master electronic device receives reply APDU commands from the slave terminal.