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.

In one aspect, the present disclosure relates to a payment card amplification device comprising a card reader, an amplifier, an antenna, and a power supply. The card reader is configured to read payment card information from a payment card and generate an output signal comprising the payment card information. The amplifier is coupled to receive the card reader output signal and configured to generate an amplified signal comprising the payment card information. The antenna is coupled to receive the amplified signal and transmit the payment card information, wherein the transmitted payment card information can be read by a payment terminal. The power supply is coupled to a power source and configured provide power to the card reader and the amplifier.

One embodiment of the invention provides for making electronic payments by scanning a merchant 2D code located near the point of sale with the customer's cell phone and transmitting the code or data embodied by the code to a payment center where the merchant's account can be credited and the customer's account debited without transmitting account information over the airwaves. In another embodiment of the invention, both parties transmit the same randomly generated 2D code or data embodied by the code to the payment center where they are matched to each other and to the buyer and seller to process the transaction. In a further embodiment of the invention, an inked tattoo or barcode marking is employed as a password to authorize access to smartphone applications for example, to make an electronic payment over a threshold amount.

Using contactless cards to pay for offline transactions. An application executing on a mobile device may receive, via a communications interface of a contactless card, an account identifier of the contactless card, and transaction data received by the contactless card from a POS device via the communications interface, the transaction data comprising at least an identifier of a merchant account, a timestamp, and an amount of the transaction, a network connection between the POS device and a payment server not available. The application may transmit the account identifier and the transaction data to the payment server via a cellular network connection of the mobile device. The mobile device may receive, from the payment server via the cellular network connection, authorization of a payment for the transaction. The application may generate a graphical indication of the authorization of the payment for the transaction and output the graphical indication of the authorization.

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

A system comprises: a payment accessory including: a payment accessory including: at least one payment data sensor, and an accessory housing defining a mounting interface carrying a set of electrical contacts; and an adapter including: an adapter housing defining (i) an accessory bay configured to removably receive the mounting interface of the payment accessory, and (ii) a device interface opposite the accessory bay, the device interface configured to couple the adapter to a mobile computing device to interconnect the electrical contacts of the mounting interface with the mobile computing device.

Various embodiments are directed to enhancing a card payment experience by a single tap of a contactless card to a user computing device. In examples, the single tap of the card may be preconfigured to cause automatic payment of a predefined amount toward a card balance. If the single tap is not preconfigured to mean automatic card payment, the user may be presented with a notification and various payment amount options, which the user can select to pay toward the card balance.

A user authentication system using a physical card and a method thereof, and the user authentication system for providing online user authentication service using a physical card through connection of a user terminal and the physical card includes: a card transaction unit for performing a card transaction between the user terminal and the physical card, and transmitting a result value according to the card transaction to a transaction permission request unit, when the user terminal and the physical card are tagged with each other; the transaction permission request unit for transmitting a card transaction permission request including the result value according to the card transaction to a transaction permission server; and a user authentication confirmation unit for determining that the online user authentication is completed, when a transaction permission result generated according to validation of the result value according to the card transaction is received from the transaction permission server, and the transaction permission result verifies that the card transaction between the user terminal and the physical card is covalid.

A data key for secure financial and other types of data transactions with a key-shaped case, lightbox touch sensor carrying a removable wafer, processor, secure memory, general-purpose memory, battery, antenna, speaker, microphone, and a dual-purpose USB and chip pin pad. Bluetooth, NFC and/or RFID provides the ability to pair the data key through a wireless channel with another device, such as a smartphone, using a pairing button on the back of the data key. The data key provides chip-and-pin type security to online financial transactions. Dual-device (multi-factor) security requires both the data key and another communication device registered to an authorized user to be present to activate the data key for secure operations. Device pairing enables geo-proximity features, such as dual-device security with a paired device, key finder, phone finder, and panic button. The data key may provide secure, remotely programmable security for building and equipment access.

A method, performed at a mobile device, for accessing a service, comprises: determining, from payment card information stored on or obtained at the mobile device, a list of services that are available in relation to the payment card; receiving a selection of one of the services; determining at least one corresponding communication channel by which the selected service is accessible; and opening the at least one corresponding communication channel to thereby access the service.