Wait times at ATMs may undermine the utility of these self-service machines. ATMs 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 an ATM. 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 ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

A computer implemented method for enabling a payment transaction in a computer system executed at least partially by a computer of a user connected via a communication network to a remote computer comprising a database of payment-related data, said method comprising the steps of: a) accessing the payment-related data of a user from within the database, wherein a web browser extension on the user's computer is invoked by the user clicking on a web browser extension graphical user interface (GUI) widget displayed on the user's computer, wherein secure network access is established to access the user's payment-related data from within the database; b) presenting the user's payment-related data via a pop-up window displayed on the user's computer, without requiring application programming interface integration with a website or a web application of a payee, and without requiring a form re-direct away from the website or the web application of the payee; c) enabling the payment transaction, wherein the web browser extension invokes an auto-complete function to automatically populate fields of a checkout form presented from the website or the web application of the payee with the user's payment-related data.

In one aspect, the present disclosure relates to a payment card amplification device comprising a card reader, an amplifier, an antenna, and a power supply. The card reader is configured to read payment card information from a payment card and generate an output signal comprising the payment card information. The amplifier is coupled to receive the card reader output signal and configured to generate an amplified signal comprising the payment card information. The antenna is coupled to receive the amplified signal and transmit the payment card information, wherein the transmitted payment card information can be read by a payment terminal. The power supply is coupled to a power source and configured provide power to the card reader and the amplifier.

Using contactless cards to pay for offline transactions. An application executing on a mobile device may receive, via a communications interface of a contactless card, an account identifier of the contactless card, and transaction data received by the contactless card from a POS device via the communications interface, the transaction data comprising at least an identifier of a merchant account, a timestamp, and an amount of the transaction, a network connection between the POS device and a payment server not available. The application may transmit the account identifier and the transaction data to the payment server via a cellular network connection of the mobile device. The mobile device may receive, from the payment server via the cellular network connection, authorization of a payment for the transaction. The application may generate a graphical indication of the authorization of the payment for the transaction and output the graphical indication of the authorization.

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

A transmitter for transmitting a secure access signal to a system for providing secure access to a controlled item is disclosed. The access is dependent on information contained in the secure access signal. The transmitter comprises a biometric sensor for receiving a biometric signal and a processor for matching the biometric signal against members of a database of biometric signatures. The transmitter comprises enabling means for enabling an inductive circuit, based on the matching of the biometric signal, to transmit the secure access signal conveying the information to the system upon the inductive circuit being placed within range of a radio frequency field emitted by the system.

A vehicle includes a controller, programmed to responsive to identifying a first user via a mobile device, load a first non-person entity associated with the first user from the mobile device to configure vehicle settings, the first non-person entity including a driver setting, a first entertainment setting and a second entertainment setting; and responsive to identifying a second user entering the vehicle, switch from the first entertainment setting to a second entertainment setting.

A mobile terminal converts token information corresponding to card information to a sound wave signal and transmits the sound wave signal to a magnetic field conversion device, and the magnetic field conversion device restores the token information from the received sound wave signal, converts the token information to a magnetic field signal, and transmits the magnetic field signal to a merchant terminal, to perform payment.

The invention relates to a method and a system for beverage preparation according to a person-specific, individual recipe. The method for preparing a beverage according to an individual recipe takes place by using a preparation device comprising a positioning device for a drinking vessel and a receiving device for an identification feature. The method includes creating an individual recipe, storing the individual recipe in a recipe pool of a data storage unit, whereby the data storage unit can be reached via an EDP network, linking the identification feature to the recipe pool, positioning the drinking vessel into the preparation device, receiving the identification feature, retrieving the recipe pool that is linked to the identification feature, preparing the beverage according to a recipe from the recipe pool, and filling the beverage into the drinking vessel by the preparation device.