A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.

Embodiments provide a method of integrating a loyalty program with a payment card of a customer. In some implementations, the method includes sending, by a merchant terminal, a payment transaction request to a server system associated with a payment network. The payment transaction request includes a payment transaction amount to be paid to a merchant account from an issuer account of the customer and a consumer identifier linked to the loyalty program associated with the merchant loyalty card. The method includes receiving a notification comprising a payment transaction approval message and a machine-readable script through the payment network. The machine-readable script comprises the consumer identifier and is executable by the merchant terminal. The method further includes storing the consumer identifier associated with the merchant loyalty card with existing customer data in the payment card of the customer by executing the machine-readable script thereby integrating the loyalty program with the payment card.

A system for authenticating an electronic device by means of an authentication server in order to authenticate a user of said electronic device. The system is adapted to perform an authentication based on a fictive payment transaction and includes the authentication server which is adapted to execute a fictive payment transaction with a predetermined transaction amount with said electronic device and during said execution to receive a first cryptogram from said electronic device; send said first cryptogram to a banking server; and receive from said banking server an acknowledgment if said first cryptogram is valid; when said fictive payment transaction has been executed, compute an authentication identification based on said electronic device's data; said electronic device which is a payment electronic device and which is adapted to execute said fictive payment transaction with said authentication server and during said execution to send said first cryptogram to said authentication server.

A transaction card receives a first input containing a first touch sequence from a first user and including first touch gestures, determines that the first touch sequence corresponds to a first reference touch sequence associated with the first user, and initiates a first operating mode, associated with the first touch sequence, that is associated with the first user and causes the transaction card to perform a first function. The transaction card receives a second input containing a second touch sequence that is different from the first touch sequence, from a second user and including second touch gestures, and initiates, based on determining that the second touch sequence corresponds to a second reference touch sequence, a second operating mode, associated with the second touch sequence, that is associated with the second user and causes the transaction card to perform a second function that is different from the first function.

A communication device for sensing one or more biometric characteristics of a user. The device includes a cover structure, a layer of output pixel elements, a layer of biometric input pixel elements, and a processor. The cover structure includes an exterior surface. The layer of output pixel elements is positioned below the exterior surface and configured to provide an output through the exterior surface toward the user. The output pixel elements being at least one of light emitting pixel elements and piezoelectric-out pixel elements. The layer of biometric input pixel elements is positioned below the exterior surface to receive a reflected biometric input passing from the user through the exterior surface. The biometric input pixel elements being at least one of light detecting and piezoelectric-in pixel elements. The processor is connected to the biometric input pixel elements to process the reflected biometric input.

A vending machine system includes: a vending machine including a cash payment module for payment by cash or at least one legacy payment module configured to process payment using a credit card, a wireless communication module configured to pay for a product by communicating with a user terminal through short-range wireless communication, and a control module configured to discharge a product when the product is selected and paid for; a service server configured to provide information in units of columns of the vending machine; and a user terminal configured to execute a user application to request the vending machine connected thereto through short-range wireless communication to receive information about products on sale of the vending machine from the service server, display a list of products on sale, and discharge a selected product after payment of the selected product. Products may be purchased continuously through the user application without canceling short-range wireless communication established with the vending machine.

Embodiments are generally directed to systems, device, and techniques to utilize a uniform resource locator to exchange money.

Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card via a terminal. A user is provided a list of transaction types, such as PIN-based, signature-based, etc., and a requested transaction is processed via a first selected transaction type. If the transaction is unsuccessful, the terminal automatically presents a list of remaining available transaction types from which the user may select and the transaction is processed by the next selected transaction type. If the transaction is successful, funds are provided to the user, such as in the form of currency/coins or funds transfer.

A method and system for automatically connecting one customer device with another over a Bluetooth or similar connection. The automatic connection may be made by generating a unique identifier to store on a new customer device and a backend system associated with an existing customer device and connecting the new customer device with the existing customer device using the unique identifier.

A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.