This invention relates to a square with rounded angles smart card, in a non-conventional size, with a plurality of electronic circuits embedded in a specified pattern and assigned to different functionalities. This smart card with the means of a wired or contactless reader-writer apparatus, can be used for commercial, business or payment transactions and offers a number of advantages versus the old cards.

In an embodiment, an apparatus for generating account creation information is provided. The apparatus comprises: a computer processor and a data storage device, the data storage device having a look-up module; a value determination module; and an account creation information generation module comprising non-transitory instructions operative by the processor to: receive an indication of a travel document of a passenger; look up passenger details of the passenger, in a passenger information database coupled to the apparatus, using the indication of the travel document of the passenger; receive an indication of a currency deposit by the passenger; determine a value from the indication of the currency deposit; and generate account creation information, the account creation information comprising an indication of the passenger details of the passenger and an indication of the value.

The present invention relates particularly to a method and system for consolidating a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.

Techniques are disclosed for systems and methods to conduct transactions using a Multi-mode Card. A Multi-mode Card may include various components of a Smart Card and be configured to interface directly with a personal electronic device (e.g., a smart phone, a tablet computer, a personal computer, and/or other personal electronic devices) to confirm presence of the Multi-mode Card in an unattended digital transaction, such as for e-commerce and Internet purchases. A transaction system may include a logic device and an interface embedded in or on the Card, a client device such as a personal electronic device, and a server configured to provide a sales interface to a user through the client device. The logic device in the Card may be configured to authorize, encrypt, and/or otherwise facilitate a transaction involving a sale and/or other type of communication between the client device and the server.

A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.

Systems and methods for augmenting a dedicated payment instrument to leverage built-in access to real-time support from a central system are provided. Methods may be executed via computer-executable instructions that are stored in a non-transitory memory of the instrument and run on a microprocessor embedded in the instrument. Methods may include receiving a request from a user of the instrument, via one or more sensors, to initiate a support session. The sensors may include a camera, a microphone, and/or a tactile sensor. Methods may include transmitting the request to the central system via a wireless communication element, and receiving, from the central system, support session data. Methods may also include displaying, on a display screen, information based on the support session data.

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.

A self-authenticating chip includes first and second memory regions storing, respectively, first and second authentication codes. The second memory region is adapted to be unreadable and unmodifiable by the chip or a chip reader. The chip also includes a comparator for providing an indicator of whether given input matches the second authentication code. The chip also includes an authentication circuit that is operable to read the first authentication code from the first memory region, present the first authentication code to the comparator, and in response to receiving an indicator from the comparator indicating that the first and second authentication codes match, unlock at least one of (i) a communication interface of the chip to allow data to be transmitted therethrough to a chip reader and (ii) a third memory region of the chip to allow data to be read therefrom.

A smart card includes a plurality of display devices on an outside surface of a housing. Circuitry within the housing includes a processor, and communication circuitry configured to communicate with at least one computing device located within a geographic region around the smart card. The processor is configured to continuously receive a plurality of communication signals from the computing device, to continuously assess a geographic distance from the smart card to the fixed position of the computing device within the geographic region using the plurality of communication signals, to continuously activate or deactivate the plurality of display devices based on the geographic distance from the smart card to the fixed position of the computing device in the geographic region for providing a user with a directional indication, distance indication, or both, to the computing device in the geographic region.

In accordance with a first aspect of the present disclosure, a user authentication system is provided, comprising: a user authentication token, said user authentication token comprising a fingerprint sensor and a secure element; an assistance device configured to be coupled to the user authentication token through an interface of said user authentication token; wherein the assistance device is configured to request the secure element to verify a personal unlock key to be captured by the secure element through the fingerprint sensor; wherein the secure element is configured to capture the personal unlock key through the fingerprint sensor, to verify the captured personal unlock key and to enroll, upon or after a positive verification of the personal unlock key, fingerprint reference data captured through the fingerprint sensor. In accordance with a second aspect of the present disclosure, a corresponding method for enrolling fingerprint reference data in a user authentication token is conceived. In accordance with a third aspect of the present disclosure, a corresponding computer program is provided.