Systems and methods for secure and efficient transaction resolution and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of an object. The object may be associated with one of a plurality of service categories. The method may include processing the image and determining the service category, from the plurality of service categories, which is associated with the object. The method may also include determining a service provider that provides the service of the service category for a user associated with the smart card, and determining a monetary balance owed by the user to the service provider for the service. The method may also include executing a payment, via a wireless communication element that is embedded in the smart card, in the amount of the monetary balance, from an account associated with the user to the service provider.

A working method for an IC card having a fingerprint recognition function, comprising: an IC card receiving and determining an instruction type from a terminal, and when determined that the received instruction is an application selection instruction, the IC card selecting an application and returning a response to the terminal; when determined that the received instruction is a processing option acquisition instruction, the IC card acquiring a user fingerprint information verification state according to the content of the instruction, and if verification is successful, returning to the terminal a processing option instruction response containing an application file locator list for which a personal identification number does not need to be verified; if verification fails, returning to the terminal a processing option instruction response containing an application file locator list for which a personal identification number must be verified; when determined that the received instruction is a record reading instruction, the IC card returning a record reading response to the terminal according to the record reading instruction, wherein the record reading response contains a method for verifying a card holder. Thus, the risk of a personal identification number being leaked is avoided, thus enhancing the security of a transaction, while also improving user experience.

Apparatus and methods are provided for a smart card which enables users to initiate a transaction or money transfer using voice commands. The apparatus and methods may include a smart card. The smart card may be responsive to voice commands and support electronic communication with a payment network. The smart card may include a housing, a network interface controller including a wireless communication interface, a voice controller, an active near-field communication chip, a microprocessor, a battery and/or an activation button. The smart card may also include executable instructions stored in a non-transitory memory, that when run by the microprocessor, detect and capture a first audio message via the voice controller and perform speaker-dependent speech recognition on the captured audio message to identify whether or not an authorized user of the smart card generated the audio message.

A web browser may output a form comprising a payment field. A URL may be received from a communications interface of a contactless card, the URL comprising encrypted data generated by the contactless card based on a private key stored in a memory of the contactless card. An application may transmit the encrypted data to an authentication server, which may decrypt the encrypted data based on the private key. The application may receive, from a virtual account number server, a virtual account number. The application may receive an expiration date and a CVV. The application may copy the virtual account number to a clipboard of an OS. The OS may paste the virtual account number from the clipboard to the payment field of the form in the web browser. The OS may output a notification comprising the expiration date and the CVV associated with the virtual account number.

Integrated circuit package (ICP) with: (i) stored information pertaining to an amount and/or value of precious material present in the ICP; and (ii) sensor for detecting an amount of precious material present in the ICP. In some embodiments the ICP is embedded in a smart card for use with a smart card reader system that can communicate data to and/or from the ICP.

Provided are approaches for providing multiple user accounts in a same transaction card assembly. The transaction card assembly may include a first card including a first card first side opposite a first card second side, the first card first side including a first pair of magnetic stripes and the first card second side including a first pair of identification chips. The transaction card assembly may further include a second card coupled to the first card, the second card including a second card first side opposite a second card second side, the second card first side including a second pair of magnetic stripes, and the second card second side including a second pair of identification chips. The first and second cards are slidable relative to one another between multiple positions to selectively expose and cover each identification chip of the first and second pairs of identification chips.

Systems, methods, and computer-readable media are disclosed for systems and methods for initiating automated actions using ring-shaped electronic devices. Example methods may include determining, by a ring-shaped electronic device comprising a button, a first user interaction with the button, determining that a first action associated with the first button sequence identifier is to initiate a synchronous communication, determining contact information associated with the first action, and initiating the synchronous communication using the contact information.

A contactless card can include a plurality of keys for a specific operation, e.g., encryption or signing a communication. The contactless card can also include an applet which uses a key selection module. The key selection module can select one of the plurality of keys and the applet can use the key to, e.g., encrypt or sign a communication using an encryption or signature algorithm. The contactless card can send the encrypted or signed communication to a host computer through a client device. The host computer can repeat the key selection technique of the contactless device to select the same key and thereby decrypt or verify the communication.

Aspects described herein may allow for method of detecting when a payment card is in a retail establishment by establishing communication between the payment card and a real-time position tracking system; determining whether one of a plurality of accounts linked to the payment card has been used in one or more prior purchasing transactions in the retail establishment; detecting, movement of the payment card with respect to the individual carrying the payment card while the payment card is in a carrying device carried by the individual; and providing, by the payment card, haptic feedback and visible feedback to the individual carrying the payment card.

A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The card includes a secure element to receive visual impairment settings and alert data. A microprocessor can convert the alert data into impairment data based on the visual impairment settings. A display is generated based on the impairment data.