Systems and methods for autonomous payment routing are provided. A method may include storing in a smart card a database of contacts accessed from a digital contact directory. The method may include receiving a request to reroute a payment via an alternate payment channel, the payment including a recipient and an amount, and the alternate payment channel originating from an account associated with one of the contacts in the database. The method may also include resolving, via a wireless communication element that is embedded in the smart card, routing information for the account. The method may also include transmitting, to an administrator of the account, a request for authorization to reroute the payment, and, when authorization is received, executing the payment via the alternate payment channel.

An electronic device and its operating method according to various embodiments, may detect information related to an electronic card, based on a preset condition, display a graphic user interface to include a first area displaying the electronic card and a second area displaying an icon associated with the information around the first are, detect selection of the icon in the second area, and display the information in the first area.

Disclosed are an IC card asymmetric labelling system, an IC card built-in password input system and an IC card built-in password input method. The IC card asymmetric labelling system includes: an IC card, a payment terminal and a cloud end sever. The IC card includes a crypto-key unit and a communication module. The crypto-key unit stores a first private key which is used to sign a message transmitted from the IC card. The communication module establishes a communication connection with a cloud end through the payment terminal, or directly establishes a communication connection with the cloud end. The cloud end stores an open ID of the IC card and associated user information. The open ID is a hash value of a first public key of the IC card and is open to the public.

A self-authenticating credit card includes an input device for entering a PIN. The PIN is accepted by a micro-controller that uses the entered PIN as an encryption key for decrypting stored account information. A portion of the account information includes data, that when decrypted, contains an image that is rendered on an integral display, with account information sent to a transaction terminal. A timer is used to limit access to account data while in the unlocked state.

Transaction cards, systems and methods involving an on-card display and an associated mobile computing device utilized for authenticating transactions are disclosed. In one embodiment, an exemplary transaction card may comprise transaction circuitry configured to conduct purchase transactions involving a mobile computing device coupled to or associated with the transaction card, communication circuitry configured to communicate with a provider of the transaction card, an e-ink display configured to display a QR code on the transaction card for use in authentication, data storage configured to store the QR code, and computer readable media having instructions for initiating a second-factor authentication process and displaying the QR code on the e-ink display to be captured by the mobile computing device and transmitted to a system or server for validating the second-factor authentication process.

In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

A card dispenser for dispensing a rewritable card is disclosed herein. The card dispenser may include a card feeder for receiving or dispensing a rewritable card. In addition, the card dispenser includes a roller assembly for moving the card from the card feeder to components within the card dispenser; a processor for receiving card data via a short-range wireless connection with a mobile device of a user, the card data including (i) a card identifier of a plurality of card identifiers associated with an account of the user and (ii) a unique derivation key for encrypting the card identifier; and a card writer for powering an electrophoretic display of the card, causing at least a portion of the card data to be rendered on the display, and stopping the powering of the display.

A dynamic transaction card including: one or more light emitting elements; a transceiver; and an embedded microprocessor configured to: receive, from a transaction terminal, a location information corresponding to a current location of the transaction terminal; wirelessly transmit, via the transceiver and to a mobile device, the location information; receive an indication that a location-specific security concern exists; and in response to receiving the indication, control the one or more light emitting elements to display a visual indication corresponding to the location-specific security concern.

A smart card with secure and efficient image capture and analysis is provided. The card may include a non-transitory memory embedded in the housing storing computer-executable instructions. The instructions, when run on the microprocessor, are configured to capture, via the camera, an image of a building (or other suitable image), process the image via an image processing module, determine, based at least in part on the processing of the image, a payment amount and a payment recipient associated with the building. The smart card may also display payment information on the display screen. The payment information may include the payment amount and/or the payment recipient. When authorization is received via a tactile sensor, the card may execute a payment or other communication, over a payment gateway from an account associated with a user of the platform to an account associated with the payment recipient.

Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).