The present disclosure includes a smart card. The smart card includes an audio module to receive a money deduction request in a form of an external audio signal from an external device, wherein the monetary-amount deduction request includes a monetary amount to be deducted and the external device's identification information. The smart card further includes a data processing module to authenticate the external device's identification information, deduct the monetary amount from the smart card after the authentication of the external device's identification information is passed, and generate monetary-amount-deduction result information. The audio module transmits to the external device the monetary-amount-deduction result information in a form of an audio signal, wherein the monetary-amount-deduction result information includes a deducted monetary amount to be added to the external device and the smart card's identification information to be authenticated by the external device.

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

The present disclosure includes a smart card. The smart card includes an audio module to receive a money deduction request in a form of an external audio signal from an external device, wherein the monetary-amount deduction request includes a monetary amount to be deducted and the external device's identification information. The smart card further includes a data processing module to authenticate the external device's identification information, deduct the monetary amount from the smart card after the authentication of the external device's identification information is passed, and generate monetary-amount-deduction result information. The audio module transmits to the external device the monetary-amount-deduction result information in a form of an audio signal, wherein the monetary-amount-deduction result information includes a deducted monetary amount to be added to the external device and the smart card's identification information to be authenticated by the external device.

An electronic key supports a plurality of authentication methods and effectively prevents bidding-down attacks. For this purpose, security information is additionally provided by the electronic key, based on which a card reading device recognizes which authentication methods are supported by the electronic key. When the reading device recognizes based on said information that the electronic key supports a stronger second authentication method, but the authentication method was not recognized by the card reading device, the electronic key is, for example, rejected.

A magnetic strip card includes a partial encrypted card payload encrypted with a long shared key to provide a final encrypted payload. A method for encoding the magnetic strip card includes encrypting a card payload with a code key of a access controls with a short key of the access control to generate a partial encrypted payload and encrypting the partial encrypted payload with a long shared key to provide a final encrypted payload.

A method is provided of operating a self-service check depositing terminal to provide a check deposit transaction receipt. The method comprises receiving a check from a depositor, capturing original check image data which is representative of an image of the check, embedding at least some alphanumeric text data which is representative of alphanumeric text into at least some of the original check image data to provide modified check image data which is representative of a composite image of the check and the alphanumeric text, and printing the composite image of the check and the alphanumeric text onto a check deposit transaction receipt.

Embodiments described herein provide a client system for facilitating enhanced offline payment. During operation, the system obtains a location indicator, which indicates the location of a service, from a charging system. The system then generates an offline code that allows access to the service and corresponds to the location indicator. The offline code can be readable by the charging system, and the client system and the charging system can both be offline. Subsequently, the system encodes the historical data associated with the service in a field of the offline code and sends a message comprising the offline code to the charging system.

A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.