A processor is programmed with instructions to receive coupon data from a program creator. The coupon data defines a coupon and/or coupon program. The processor creates a first unique coupon program ID for the coupon data and writes the first unique coupon program ID and the coupon data to a database table. The processor transmits the first unique coupon program ID to the program creator. The processor also receives, from a user computing device, a coupon request message. The coupon request message includes a second unique coupon program ID. The processor extracts the second unique coupon program ID, retrieves the first unique coupon program ID, and matches the second unique coupon program ID to the first unique coupon program ID. Based on the matching, the processor generates a digital coupon token and transmits the digital coupon token to the user computing device via the communications interface.

Aspects described herein may allow for a payment card having a first surface and an opposed second surface. A plurality of surface irregularities is formed on the first surface, with the plurality of surface irregularities defining alphanumeric characters. A phosphorescent coating is formed on at least a portion of the surface irregularities.

An embodiment includes a multi-function electronic device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally, methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and device-to-device transactions. Methods are also described for generating a limited-duration payment number when performing a transaction for the purpose of creating a limited-use payment number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.

Methods and apparatus for enabling a proximity payment device to generate dynamic data for securely conducting a transaction by emulating a magnetic stripe payment card. In an embodiment, a mobile device processor transmits information to a digital enablement service computer to activate a simulated magnetic stripe payment wallet application stored in the mobile device. The mobile device then receives one or more cryptographic keys, generates an unpredictable number (UN), generates dynamic CVC3 data based on the UN, and then assembles emulated magnetic stripe data. During initiation of a purchase transaction, the mobile device processor transmits the emulated magnetic stripe data to a communications interface associated with a merchant device.

Methods and systems for a financial card with dynamic viewing angles are disclosed. A first portion of indicia and a second portion of indicia can be disposed on a first surface and/or a second surface of a financial card. The first portion of the indicia can be viewable only from at least a first viewing angle. The second portion of the indicia can be viewable only from at least a second viewing angle, the second viewing angle being different from the first viewing angle.

A transaction card package assembly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same.

Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).

The present technology pertains to storing transaction information for transactions with merchants in association with an identifier of a buyer, and transmitting an electronic receipt, including the transaction information to the buyer. The present technology includes a system and methods for associating a transaction card number with the user identifier of the buyer, such that the transaction information can be associated with the user identifier of the buyer even when the merchant does not receive the transaction card number or the user identifier of the buyer.

A transaction terminal device includes an orientation detecting unit that detects the orientation of an information processing device with respect to the orientation of gravity, and an information processing unit that displays a work screen of work categories on a display unit based on display attributes for changing of the orientation of the information processing device configured for each of the work categories. When the display attributes are permitted for rotating the work screen based on the changing of the orientation of the information processing device, the information processing unit displays the respective elements constituting the work screen in the position/orientation based on the detected result by the orientation detecting unit. When the display attributes are prohibited from rotating the work screen, the information processing unit displays the respective elements constituting the work screen in the fixed position/orientation independent from the detected result by the orientation detecting unit.

A computer system includes a processor, a communication interface, and a database. The communication interface is configured to receive, from a computing device, a coupon request message, wherein the message includes a first unique coupon program ID. The processor is programmed with computer-executable instructions that cause the processor to extract, from the coupon request message, the first unique coupon program ID. In addition, the processor matches the first unique coupon program ID to a second unique coupon program ID stored in the database. Furthermore, the processor generates, by a token service system, a digital coupon token. The digital coupon token is associated with the first and second unique coupon program IDs. Moreover, the processor is programmed to transmit the digital coupon token to the computing device.