Systems and methods for point-to-point encryption compliance are disclosed. In one embodiment, in a point of interaction device comprising at least one computer processor, a method for point-to-point encryption compliance may include: (1) receiving card data from a card reading device; (2) determining an error with the card data; (3) generating substitute data by replacing at least a portion of the card data with substitute data; and (4) communicating the substitute data to a payment server. The card data may be received from a magnetic stripe reader, from an EMV card reader, or from a contactless card reader. The error may include comprises the card data not being compliant with ISO-7813.

A payment reader can have one or more kernels capable of performing certain payment processing functions but not capable of performing certain, more processing-intensive payment processing functions. The payment reader may be designed to selectively assign processing tasks to application layer kernels located on a mobile device and/or a cloud-based device external to the payment reader, the mobile device having more or different processing resources than the payment reader. The selective assignment may be made dynamically based on the measurement of a condition of the reader or an occurrence of an event, such as a determination that the payment reader cannot process a transaction, that the payment reader does not have sufficient battery strength to process the transaction, or that there has been a tampering attempt at the payment reader. The payment reader also has a physical layer module, which module maintains its processing on the payment reader. By these means, the processing related to a payment transaction is conducted on a hybrid system, using resources both local to and remote from the payment reader.

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 payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.

A merchant terminal or a customer terminal receives first input(s) associated with a first POS transaction with a first customer. Based on the first input(s), it is determined that the first POS transaction is in a first item-input portion and so the merchant terminal is designated as a state control terminal for the first POS transaction. Based on a trigger event occurring for the first POS transaction, it is determined that the first POS transaction is in a payment-input portion, and the customer terminal is designated as the state control terminal. Second input(s) associated with a second POS transaction with a second customer are received prior to receiving payment input to the first POS transaction and while the customer terminal is the state control terminal for the first POS transaction. Based on the second input(s), it is determined that that the second POS transaction is in a second-transaction item-input portion.

An apparatus is configured to receive a complaint initiation signal that includes an indication that a card reader may be compromised, and initiation date and time of the complaint, and geolocation data related to the reporting party. The apparatus is further configured to identify a street address closest to the geolocation data in the complaint using a geolocation application programming interface and the set of geolocation data. The apparatus is also configured to determine that the identified street address is associated with an entity. The apparatus then calculates a confidence interval as to whether that entity is the type of entity that uses a card reader. The apparatus is further configured to determine that the confidence interval exceeds a threshold. The apparatus is also configured to determine an identifier of the entity. Further, the apparatus is configured to publish an alert to a data feed.

A payment reader can have one or more kernels capable of performing certain payment processing functions but not capable of performing certain, more processing-intensive payment processing functions. The payment reader may be designed to selectively assign processing tasks to application layer kernels located on a mobile device and/or a cloud-based device external to the payment reader, the mobile device having more or different processing resources than the payment reader. The selective assignment may be made dynamically based on the measurement of a condition of the reader or an occurrence of an event, such as a determination that the payment reader cannot process a transaction, that the payment reader does not have sufficient battery strength to process the transaction, or that there has been a tampering attempt at the payment reader. The payment reader also has a physical layer module, which module maintains its processing on the payment reader. By these means, the processing related to a payment transaction is conducted on a hybrid system, using resources both local to and remote from the payment reader.

A method for dynamic adaptation of card reader protocol includes: providing a point-of sale (POS) terminal, that accepts login credentials via a magnetic stripe card, displays menu items for selection, adds selected menu items to an order, and accepts payment for the order, where the payment may be obtained via swipe, dip, or tap; via a card reader, reading provided cards when enabled; via a reader controller, determining one or more workflow states of the POS terminal, and controlling states and modes of the card reader; determining a type and capabilities of the card reader upon power up; and receiving instructions indicating the type and the capabilities, and communicating with the card reader according to the type and the capabilities responsive to a common set of commands employed by the POS terminal, and formatting data received from the card reader into a common data format.

Provided are a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein in order to make payment safely by generating a one-time payment-only number every payment without leaving card information of a user in a provider's payment terminal or by using the generated one-time payment-only number, when a real card is linked with an application installed on a user terminal and the payment terminal recognizes the real card, a user signature input window, and transaction information about payment performed with a one-time payment-only number generated by a card company server are displayed on a screen of the application of the user terminal, and payment is performed when a signature of the user is input to the signature input window.

A system for credit card reader mode management includes: a point-of sale (POS) terminal, that accepts login credentials via a magnetic stripe card, displays menu items, adds selected menu items to an order, and accepts payment instruments for the order, the POS terminal including: a first card reader, that reads first cards when enabled; a second card reader, that reads second cards when enabled; and a dual reader controller, that determines one or more workflow states of the POS terminal, and controls modes of the first and second card readers; and a backend server, that receives messages transmitted by the POS terminal including payment information obtained by the POS terminal, and that employs the payment information to process one of more transactions with one or more financial institutions to complete the payment for the order, and that notifies the POS terminal that the payment for the order is complete.