Disclosed are methods and systems for associating payment card credentials with a companion application. In an embodiment, a consumer's mobile device processor receives an instruction to launch a companion application, displays a companion application user interface, and receives selection of an option to obtain payment card credentials from at least one wallet application. The process also includes displaying a list of payment card accounts associated with the selected wallet application for association with the companion application, receiving a selection of at least one payment card account, transmitting payment account credentials of the selected payment account to a wallet server computer, receiving a companion token representing a digitization of the selected payment card account from the wallet server computer, and associating the companion token with the companion application.

The present disclosure relates generally to systems and methods that enable access control for digital objects based on measured physiological signals of a user. A method of operation of a human mind interface (HMI) system includes measuring, via a physiological sensor of a HMI device, a brain pattern of a user while the user retrieves a digital object after training. The method includes identifying, via a processor of the HMI device, the measured brain pattern stored in a memory of the HMI device, and determining, via the processor, the digital object stored in the memory that is associated with the identified brain pattern. The method includes accessing, via the processor, the digital object and retrieving information contained in the digital object and providing, via the processor of the HMI device, the information contained in the digital object to a recipient on behalf of the user.

The present disclosure relates to a method for conducting a transaction while in proximity of a local retail network operated by a retail point of sale comprising: a) receiving an identification signal related to one or more media identifiers associated with a media control device and from a user mobile device, wherein the user mobile device is connected to a first network; b) transmitting data to the user mobile device to render a media control interface on the user mobile device; c) receiving one or more instruction signals from the user mobile device, wherein the one or more instruction signals are related to one or more outputs of one or more media devices in proximity to the user mobile device; d) transmitting the one or more instruction signals to a media control device, such that the media control device instructs the one or more media devices to generate the one or more outputs; e) disabling a connection between the user mobile device and the media control device based upon occurrence of a pre-determined condition.

The invention relates to a method for performing a transaction with a system (1, 1A, 1B, 10) comprising a terminal (2) and a chip device (3), said system being configured to communicate to a user (6), during said transaction, transaction information from the terminal via an adapter (4), said adapter being configured to receive, by wire or wirelessly, said information (5) and to translate it into voice or another form, said information being obtained or collected in or via said chip device (3), characterized in that said chip device (3) is configured with a first communication interface with proximity radiofrequency or electrical (M3) contacts included in the device in order to receive the transaction information directly from a communication interface of the terminal. The invention also relates to the corresponding system.

Systems and methods for alternative payment mechanism payments using ultra-wideband radio technology are disclosed. A method may include a payment terminal computer program executed by a payment terminal selecting a customer electronic device that is conducting the payment transaction with the payment terminal; communicating, via a payment terminal UWB radio to the selected customer electronic device, payment transaction details for the payment transaction comprising a merchant identifier and a transaction amount; receiving, from the selected customer electronic device via the payment terminal UWB radio, an APM payment message for an APM payment provider; communicating the APM payment message to the APM payment provider, wherein the APM payment provider is configured to decision the transaction based on the APM payment message; and receiving, from the APM payment provider, a payment confirmation for the payment transaction.

A method for electronic receipt transfer via ultra-wideband electronic (UWB) radio technology may include: causing, by a payment terminal computer program, an UWB radio to transmit a range request signal from a first antenna; receiving, by the payment terminal computer program and one or more customer electronic devices, a pair of replies to the range request signal, each comprising a first reply signal received at the first antenna and a second reply signal received at a second antenna; determining, by the payment terminal computer program, a distance between the UWB radio and each customer electronic device based on a time of flight; selecting, by the payment terminal computer program, the customer electronic devices having the distance that is closest to the UWB radio; and communicating, by the payment terminal computer program, an electronic receipt for a transaction to the selected customer electronic device.

A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

Automatically communicating information related to a user computing device from a central computing system to a transaction computing system prior to initiation of a transaction between the user computing device and the transaction computing system comprises a digital wallet application and a central computing system. A digital wallet application receives a beacon signal from a transaction computing system indicating the specific identification of the terminal with which the user intends to conduct a transaction. The user computing device communicates the terminal identification to the central computing system. The central computing system communicates customer data, such as loyalty information and offers, to the transaction computing system associated with the terminal. The transaction computing system communicates the customer data to the terminal. When the user taps the user computing device to initiate the transaction, the terminal provides any benefits associated with the customer data.

Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.

Techniques are described for automatically presenting workflow(s) in an application based at least partly on detected signal(s). A radio-frequency signal may be emitted from a transceiver and received by a transceiver of a user device when the transceiver is in proximity to the device. In response, an application including functionality to activate a payment card can launch.