A dual-pin payment instrument is provided. The payment instrument may provide a user access to funds made donated to the user. The payment instrument may include a first set of credentials that provide access to funds/credit owned by the user. The payment instrument may include a second set of credentials that provide access to funds/credit donated to the user. To an onlooker, use of the payment instrument may not appear any different than typical payment instrument use. However an ability to access donated funds/credit may provide the user access to the donated funds/credit in a respectful manner.

Systems and methods for executing transactions with increased transactional efficiency and security via a smart payment instrument with self-contained transaction architecture are provided. Methods may include receiving information via a tactile sensor that is affixed to the instrument. Information may include a series of alphanumeric symbols. The receiving may be achieved by entering the symbols via the tactile sensor. Methods may include deciphering the information, via a payment interface component of the instrument, to generate payment data. Payment data may include a recipient and a payment amount. Methods may include transmitting to a payment gateway, via a wireless communication element embedded in the instrument, a request to execute a payment based on the payment data.

An automated teller machine (ATM) includes a network interface, an input/output device configured to exchange data with a customer, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive account information identifying a credit account associated with the customer, transmit the account information identifying the credit account, receive reward information associated with the credit account, display a reward indication notifying the customer of reward information and providing the customer with an ability to indicate a preference to perform a currency reward withdrawal, receive data comprising an indication of the preference of the customer to perform the currency reward withdrawal, transmit a redemption request based on the indicated preference, receive a redemption request authorization, and dispense an amount of currency corresponding to an amount identified in the redemption request authorization.

A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodiments, the cryptogram may be formed at least in part using the personal identification number (PIN) stored on the contactless card encoded using a dynamic key stored by the contactless card and uniquely associated with the client. Authentication may be achieved by comparing the cryptogram formed using the PIN against an expected cryptogram generated an expected PIN and an expected dynamic key.

A system to indicate to a user to enter a personal identification number (PIN) on a commercial off the shelf (COTS) device, the system comprising: a secure card reader communicatively coupled to the COTS device, and wherein the secure card reader receives a payment card; a payment application installed on the COTS device; and one or more devices other than the COTS device. The payment application installed on the COTS device transmits one or more prompts to the one or more devices other than the COTS device based on a set of signals received from the secure card reader. The secure card reader transmits the set of signals after the payment card is received at the secure card reader, and the one or more prompts comprise at least one indication to the user to enter the PIN on a display of the COTS device.

The present disclosure provides a medium processing apparatus, including: a housing provided with a surface facing a customer operating the medium processing apparatus; and a rolled coin device housed in the housing and configured to process rolled coins formed by bundling a plurality of loose coins. The surface of the housing includes a designated area located in a height range conforming to Americans with Disabilities Act (ADA) standard with respect to a height direction of the medium processing apparatus, and a rolled coin dispensing port of the rolled coin device for dispensing the rolled coins is arranged in the designated area.

Point-of-sale (POS) e-commerce transaction verification via a mobile device such as a smart phone, smart watch, tablet, PC, appliance or personal assistant rather than numeric keypad on POS device. Near field communication (NFC), quick response (QR) code, push notification and executable application embodiments disclosed.

A retail environment having retail terminals with data entry point devices selectively encrypts input received by the data entry point devices and passes the encrypted data to a security module. The selective encryption is based on whether or not sensitive or confidential information, such as a personal identification number (PIN) associated with a debit card, is being input. To prevent hacking of the software of the retail terminal, content destined for display on the retail terminal is authenticated prior to display. In this manner, the retail terminal may be assured that confidential information is input only when desired, and thus may be encrypted only as needed.

A network gateway includes a network interface and a computer processing unit. The network interface is configured to interface the network gateway with a first computer network. The computer processing unit is in communication with the network interface and is configured to receive from a network device, via the first computer network, a payload request that includes a first credential. The network device is configured to receive the first credential from a hardware token that is interfaced with the network device. The computer processing unit is configured to verify that, before the network device received the first credential from the hardware token, the first credential was associated with the network device in a database. The computer processing unit is configured to download a payload to the network device via the first computer network, after the verification.

A method for assisting the use of an electronic transaction device. The method includes activating an assisted mode, the activation of the assisted mode being triggered by a detection of a placement of a data entry assistance accessory on a touch screen of the electronic transaction device.