Aspects of the invention relate to components for constructing a payment instrument that includes enhanced electronic features. Apparatus may include an all-inclusive smart card that securely stores sensitive data. Such sensitive data may include credit card, driver's license or passport information. The smart card may generate disposable card numbers for online or offline onetime transactions.

Systems and methods disclosed herein provide fraud mitigation via dynamic transaction card wireless communication. A mobile device may cause a dynamic transaction card to periodically scan its environment to detect wireless enabled devices proximately located near the dynamic transaction card. Based on identifying the wireless enabled devices frequently located near the dynamic transaction card, a set of approved devices may be determined. During a transaction, a dynamic transaction card may scan its environment for other wireless enabled devices proximately located near the dynamic transaction card. If wireless enabled devices detected by the dynamic transaction card are all, or a subset, of the devices that are frequently located near the card, then the transaction may be authorized. However, if the wireless enabled devices detected by the dynamic transaction card are not all, or a subset, of the devices that are frequently located near the card, then the transaction may be unauthorized.

An example relates to a method for processing data an on smartcard comprising: (i) obtaining a message; (ii) searching for a rule in at least one file of the smartcard based on the message; and (iii) in case the rule was found, executing the rule.

Various embodiments are generally directed to copying data to a clipboard of a mobile device from a contactless card using NFC. A mobile device may issue a request to read data from the contactless card. The contactless card may generate encrypted data in response to the request. The mobile device may receive the encrypted data via NFC and transmit the encrypted data to a server for verification. The server may verify the encrypted data and transmit an indication of an account number for the contactless card to the mobile device. The mobile device may then copy the account number to a clipboard of the mobile device.

In some embodiments, a smart card may include a substrate with a first side and a second side. A first protective layer covers the first side and a second protective layer covers the second side of the substrate. Circuitry held in the substrate includes electronic interconnects for interconnecting circuitry elements. The circuitry elements include a processor, power circuitry for powering the circuitry elements, and an environmental detection sensor for respectively detecting a predetermined environmental parameter. The processor is configured to receive an output from the environmental detection sensor, to determine from the output that the environmental detection sensor detected an environmental alert trigger condition, and to generate an alert that is representative of the environmental alert trigger condition. The protective layers include pores in a region proximate to the environmental detection sensor for exposing the environmental detection sensor to an environment around the smart card.

Wait times at self-service kiosks may undermine the utility of these self-service machines. Self-service kiosks are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access a kiosk. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the kiosk. Information captured by the smart card may be transferred to the kiosk when the smart card is inserted into the kiosk. The user does not provide the kiosk with any additional information after inserted the smart card into the kiosk, thereby improving the transaction processing efficiency of the kiosk and enhancing user satisfaction.

The present disclosure relates to user authentication using a contactless payment instrument. The contactless payment instrument includes a contactless chip and a gesture control module. The user makes one or more gestures at an access device during a card-present transaction scenario and the gestures are validated and the authentication status is determined by matching the gesture made by the user at the time of the transaction with one or more predefined gestures. If the authentication is successful, the payment instrument transmits the payment information required for conducting the transaction.

Plastic card processing equipment that provide the ability to test the functionality of a biometric sensor on a plastic card to verify that the biometric sensor is working properly prior to being issued to a card holder. The test can be performed while the plastic card is within the plastic card processing equipment, before or after any processing occurs on the plastic card.

Systems and methods for overmolding a card are provided. A chip fraud prevention system include a device including a chip and a substrate. The chip may be at least partially encompassed in a chip pocket, and the substrate may be at least partially encompassed by the overmold.

A transaction card comprises at least one input button that receives a transactional input provided by a cardholder of the transaction card for initiating a secure card-based transaction. The input button is coupled to an electronic chip which when activated generates an electrical signal based on the transactional input. The electrical signal includes encrypted transactional data associated with the transaction card. A signal transmitter that is coupled to the electronic chip receives the electrical signal from the electronic chip, converts the electrical signal to one or more light pulses, and transmits the one or more light pulses to one of a terminal device or a user device for executing the transaction. The transaction is processed by an issuer of the transaction card based on the encrypted transactional data included in the one or more light pulses.