Systems and methods involving biometric authentication of transaction cards including aspects of exception handling, deactivation and other features are disclosed. In one embodiment, an exemplary computer-implemented method may comprise generating a first user interface having one or more interactive UI elements that enable a card owner to manage a plurality of features associated with a transaction card, and determining, if a biometric-activated control is enabled and the vendor is not excluded from the biometric-activated control, whether the transaction card is biometrically-active. Further, the interactive UI elements may include elements such as a first UI element that is configured to allow the card owner to enable a biometric-activated control of the transaction card, and/or a second UI element that is configured to allow the card owner to exclude one or more vendors from the biometric-activated control.

Various embodiments are generally directed to authenticating a user for non-payment purposes utilizing a payment protocol, a computer device and a contactless card. The payment protocol may be consistent with an EMV standard. An application may determine that authorization or verification of a user may be required to access non-payment features of another application associated with the user and the computer device. The application may then receive and/or facilitate transmission of encrypted data from a communications interface of a contactless card associated with an account and utilizing either an offline or online technique to do so. The offline or online technique may involve one or more operations that can verify the identity of the user and/or otherwise authorize the user to have access to various aspects of the other application.

A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

Apparatus (512, 514, 516, 520) on a Digital Transaction Card (DTC) (518), the apparatus (512, 514, 516, 520) including a Digital Transaction Processing Unit (DTPU) (520) operable for executing an instruction from a standard command protocol, wherein the DTC (518) is operable to store one or more scripts (504), each script (504) including one or more instructions from the standard command protocol, the DTC (518) further operable to cause the DTPU (520) to execute the one or more instructions.

Provided is method, client device and POS terminal for offline transaction. The invention can provide a safe and convenient solution for the offline purchase transaction of the mobile phone users on the client end. There is no need to install a special terminal for the merchant to top-up the virtual card, and the cardholder can easily top-up the card. Moreover, the offline operation can be realized, and the recharge and consumption operation can also be completed in some places where the wireless network coverage is not good.

Disclosed are a smart card for generating and providing a virtual code, and method and program therefor. A method for generating and providing a smart card-based virtual code includes receiving, by the smart card, first power from the outside, generating, by the smart card, the virtual code based on a time count using the first power, and providing, by the smart card, the virtual code to the outside, in which the virtual code is a virtual card number or a virtual token, generated as a code matching an actual card number by a virtual code generation function previously stored in the smart card, and used to search for the actual card number in a financial company server or a virtual code verification server, the time counter is counted and measured from an initial time value provided at the time of manufacturing the card by a time measurement module included in the smart card, and the time measurement module includes a clock that measures the time data and a clock battery that supplies second power to the clock.

The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial healthat least as it pertains to a credit account for which the statement was issued.

Example embodiments of systems and methods for data transmission between a contactless card and a client device in support of a FIDO authentication are provided. In an embodiment, upon receipt of a challenge issued by a server in connection with a pending transaction, the contactless card may authorize the client device to utilize a FIDO private key to respond to the challenge. If the response to the challenge is successful, the FIDO authentication may proceed and the transaction may be completed.

Systems and methods involving biometric authentication of transaction cards including aspects of exception handling, deactivation and other features are disclosed. In one embodiment, an exemplary computer-implemented method may comprise generating a first user interface having a plurality of interactive UI elements that enable a card owner to manage a plurality of features associated with a transaction card, and determining, if a biometric-activated control is enabled and the vendor is not excluded from the biometric-activated control, whether the transaction card is biometrically-active. Further, the plurality of interactive UI elements may include a first UI element that is configured to allow the card owner to enable a biometric-activated control of the transaction card, and a second UI element that is configured to allow the card owner to exclude one or more vendors from the biometric-activated control.

Disclosed is a method of managing a smart card configured for securing a transaction with an external device via a card reader, the method including the following steps: incrementing at least one command counter of commands received by the smart card during a transaction; and depending on the current value of the at least one counter and a command profile, implementation of a smart card management command.