A system for image analysis for physical defect detection of a storage medium of a first card that comprises an apparatus configured to receive the storage medium of the first card and a first server configured to verify issuance of a second card. The apparatus comprises an optical sensor comprising a light transmitter, a receiver, and a first processor. The optical sensor is configured to produce a light to be directed to the storage medium and to determine that the storage medium comprises a physical defect with the first processor based at least in part upon processed electronic signals. The apparatus further comprises a second processor configured to display outputs requesting authorization to issue the second card. The first server is configured to verify issuance of the second card, wherein the first server is communicatively coupled to the apparatus.

Transformation of inputs including beacon inputs, Global Positioning System (GPS) inputs, captured panorama inputs, user-penned descriptive inputs, and payment-amount-specifying inputs, via components, into outputs including user device POS configuration setting outputs and/or payment-gateway-directed authorization request outputs. Further, transformation of inputs including POS scanner inputs, POS keyboard inputs, and/or POS printer-directed inputs, via components, into outputs including compliance check outputs, tagged omnibus record outputs, SKU-UPC mapping outputs, and/or convergence/correlation outputs. Additionally, transformation of inputs including older limited-capability POS software image inputs and/or newer limited-capability POS software image inputs, via components, into outputs including update directive outputs. Functionality set forth includes allowing user devices to directly communicate with payment gateways, capturing and making use of scanner-obtained data and printer-destined data in a way that does not require code alternation of already-installed POS software, and allowing software of limited-capability POS devices to be updated without sending large, full-overwrite software images.

A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.

Alternative service access with operations including determining that a system has met a plurality of criteria, including the system having a battery level below a threshold, identifying a merchant, generating an authentication token for authorizing a payment using a payment provider, and sending the authentication token to the payment provider.

A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account. The transaction circuit authorizes the transaction request based on whether the transaction request is authenticated and transmits a confirmation to a transaction terminal over the network via the network circuit.

The invention is directed to systems and methods of conducting transactions associated with a transit card. A method of conducting transactions may be conducted between a processor and a transit processor. Steps may include receiving a redemption request and determining if it is a pre-authorization request or a redemption; if the redemption request is a pre-authorization request, determining if the account is authorized for a particular transit type. If the account is authorized, communicating approval to the transit processor. If the account is not authorized communicating denial. If the redemption request is a redemption: determining if account value is sufficient to pay the redemption amount; if not, denying and if so approving the transaction and deducting the amount, and determining if the account value is below a pre-determined threshold for a particular transit types, and if so, updating the status of the account at a data store.

A system is provided for implementing a data processing transaction for a home processor located within a home region. The system is configured to receive a query from a user device of a user, search a list of partner processors located within a foreign region based on the query and transmit to the user device information relating to one or more partner processors determined as a result of the search. The system receives a request to authenticate the data processing transaction at a selected partner processor, verifies an identity of the user based on the request and transmits an indication of successful authentication. The system transmits at least a portion of data relating to a registration of the user at the home processor to the selected partner processor, wherein the data processing transaction is processed by the partner processor based on the transferred data.

Embodiments of the present disclosure provide a method and apparatus for configuring a security carrier, including: adding a carrier batch field to a security carrier list, encoding, for each security carrier in the security carrier list, a plurality of pieces of batch feature information of the security carrier according to a preset encoding rule, so as to generate carrier batch information of each security carrier, and to add same to the security carrier list; and then, according to identifier information and the carrier batch information of each security carrier, configuring a supplementary security domain, a card application, an application installation package and an application provider that need to be preset for each security carrier. Since the carrier batch information contains a plurality of pieces of batch feature information of the security carrier, security carriers in the security carrier list can be effectively distinguished according to the identifier information and the carrier batch information of the security carriers, thus a plurality of preset items that need to be preset for a plurality of security carriers having the same carrier batch information can be configured, so as to improve configuration efficiency for the security carriers.

A method for certificate transaction validation of a blockchain-based resource public key infrastructure aims to avoid security threats caused by conflicts or illegal transactions during transactions and improve security. A technical solution is as follows: constructing a resource public key infrastructure RPKIB system composed of a resource issuer, a resource transaction application client, a resource receiver, a blockchain network and a validation node; designing operations of a resource certificate and route origin authorization ROA as transactions, submitting operations of various resource transactions initiated by a resource issuer as transactions to the blockchain network, running, by the validation node, a smart contract to verify the transactions, and distinguishing whether the operations are malicious behaviors or normal operations of an authority.

A set of transaction handling computing elements comprise a network core that receive and process transaction requests into an append-only immutable chain of data blocks, wherein a data block is a collection of transactions, and wherein an Unspent Transaction Output (UTXO) data structure supporting the immutable chain of data blocks is an output from a finalized transaction. Typically, the UTXO data structure consists essentially of an address and a value. In this approach, at least one UTXO data structure is configured to include information either in addition to or in lieu of the address and value, thereby defining a Transaction Output (TXO). A TXO may have a variety of types, and one type includes an attribute that encodes data. In response to receipt of a request to process a transaction, the set of transaction handling computing elements are executed to process the transaction into a block using at least the information in the TXO.