A smart transaction device with multiple fingerprint recognition includes a device body having a first surface and a second surface on the opposite side, a plurality of fingerprint sensing devices being respectively arranged on the first surface and the second surface to individually sense the fingerprints of different fingers of a user and store them in the memory as comparison data.

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.

Various embodiments are generally directed to secure generation of barcodes using cryptographic techniques. A processor of a contactless card may generate a cryptogram based on a cryptographic algorithm and a diversified key stored in a memory of the contactless card. The processor may receive an encrypted authorization token based on verification of the cryptogram by a server. The processor may generate a barcode utilizing the encrypted authorization token.

Systems and methods for verifying users in connection with transactions using biometric payment card devices are disclosed. One exemplary biometric payment card device generally includes a card body, a fingerprint sensor, a modem, and a processor coupled to the modem and the fingerprint sensor, where each of the fingerprint sensor, the modem, and the processor are disposed on the card body. The processor of the payment card device is configured to capture, via the fingerprint sensor, a fingerprint of a user associated with the payment account, compare the captured fingerprint to a reference fingerprint stored in memory in communication with the processor, and then compile and transmit, by the modem, an authentication result to an issuer of the payment account and/or a payment network associated with the payment account in response to the user being authenticated, or not, based on the comparison of the captured fingerprint and the reference fingerprint.

A physical card (in some cases without any on-board source of power or computing capabilities) is configured to maintain access information for digital bearer assets. The physical card may include disposed thereon a single address operable to receive digital bearer assets in one or more transactions on a decentralized computing platform, like a blockchain-based decentralized computing platform. Other decentralized computing platforms utilize different address generation protocols, thus preventing use of a single address on those other platforms. A set of addresses is generated, each address corresponding to a given decentralized computing platform. Each address is based on a same underlying key-pair, and a primary address is selected from the set for a given card. The remaining addresses in the set are stored, without storage of the public key or private key, and returned in a response to a request for additional addresses of the currency card.

The present disclosure relates to a transaction processing system and a method for sharing expenses among multiple peers using a dual-chip payment card. The method includes receiving a request for creating a temporary pool session for a plurality of users from one of the plurality of users having a dual-chip payment card. In response to the request, the method includes creating the temporary pool session, holding a proportional credit amount of each of the plurality of users. Subsequently, the method includes associating the temporary pool session with a secondary chip of the dual-chip payment card of at least one of the plurality of users. Finally, the method includes processing one or more transaction requests received through the secondary chip of the dual-chip payment card of at least one of the plurality of users, using the temporary pool session.

Systems and methods for secure and efficient bill capture, analysis, and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of a bill. The bill may include a plurality of text fields. The method may include processing the text fields via a microprocessor embedded in the smart card. The method may include determining, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill. The method may also include executing a payment for the balance amount from an account associated with a user of the smart card to an account associated with the payment recipient. The executing may be performed via a wireless communication element embedded in the smart card which may be configured to provide wireless communication between the smart card and a payment gateway.

Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device.

A method and a system are provided for obfuscating payment card holder transactions. The method and system can be configured to capture payment card holder sentiments and moods associated with a privacy or gift mode. A host server provides a control interface comprising an obfuscation server. A payment card processing system processes a payment card transaction from a client device. The client device comprises a payment card user module. The payment card user module comprises an obfuscation client configured to with an obfuscation transaction mode interface. A control interface is configured to allow the payment card user to, via the client device, select or implement an obfuscation criterion for a payment card transaction using a payment card. The obfuscation server is configured to categorize a payment card transaction meeting the obfuscation criterion as an obfuscated payment card transaction

Methods are disclosed for processing electronic transactions between a merchant and a consumer based on physical geography. A method includes receiving payment data associated with a consumer payment card; transmitting the payment data, over a network, to a third party; receiving, over the network, information for determining whether a geofence associated with the merchant matches a geofence associated with the consumer; and processing a transaction with the consumer based on whether the consumer geofence ID matches a geofence ID associated with the merchant. Systems for processing electronic transactions between a merchant and a consumer based on physical geography are also disclosed.