A mobile communication device accepts payments and is capable of integration of retail business applications without additional hardware. It allows merchants to accept card present payments directly without any need for additional external hardware, such as Point of Sale (POS) terminals. The merchant can accept card present payments from a contactless credit/debit card, from a mobile smart phone or another mobile telecommunication device supporting payment card digitization, or from a mobile smart phone or another mobile telecommunication device that carries or can access and transmit relevant payment information.

A radio frequency identification (RFID) switch tag is disclosed. This RFID switch tag includes a base component having an ultra-high frequency (UHF) booster, and a detachable component having at least one UHF RFID module and a high frequency (HF) RFID module. In some embodiments, the detachable component is positioned in close proximity to the base component in a first configuration of the RFID switch tag such that the at least one UHF RFID module is sufficiently coupled to the UHF booster in the base component to form an UHF RFID system having a desired performance. The detachable component can also be separated from the base component to obtain a second configuration of the RFID switch tag, and the HF RFID module remains functional within the detached detachable component so that the detachable component can be used as a standalone HF RFID tag.

Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

Aspects and examples are disclosed for facilitating transactions with an interactive computing environment provided by a host system. In one example, a processing device receives a data network identifier or other identifier from an interactive computing environment. The data network identifier or other identifier can be associated with a mobile device conducting a transaction with the interactive computing environment. The processing device can also obtain a credential associated with the mobile device using the data network identifier. The processing device can additionally retrieve identification information from a credit file associated with the credential. The identification information can be useable for completing the transaction. The processing device can further transmit the identification information to a host server system executing the interactive computing environment.

A method is disclosed. The method comprising receiving, by a transfer application on a first user's device, a payload comprising a digital tag associated with a second user, a transaction identifier, and a transaction amount. Transmitting, by the transfer application to a digital tag computer, the digital tag associated with the second user. Receiving, by the transfer application from the digital tag computer, a primary account number or token associated with the digital tag and transmitting, by the transfer application to an acquiring computer, a push transfer message.

Information security processes, systems, and machines for authenticating users, wirelessly detecting a user's local devices, calculating a trust score based on the local devices, and setting a transaction limit are disclosed. An ATM or POS machine can read a card, authenticate a user, and wirelessly read MAC or other unique hardware addresses for one or more of the user's local devices. Trust scores can be calculated based on the number of local devices that are detected in relation to the number of the user's devices that are registered, the historical presence of the user's devices during prior transactions, historical usage of the ATM or POS machine, geolocating, biometric authentication(s), etc. Dynamic transaction limits, types, and rights may be set for transactions corresponding to the trust score values. Transactions may be conducted wholly or partially in a contactless fashion.

Systems, methods, and computer-readable media for conducting payments are provided. In one example embodiment, a commercial entity system, in communication with a merchant subsystem and a payment electronic device, includes at least one processor component, at least one memory component, and at least one communications component, wherein the commercial entity system is configured to receive transaction request data from the merchant subsystem, wherein the transaction request data includes a payment device identifier of the payment electronic device and transaction information related to a transaction, transmit payment request data to the payment electronic device, wherein the payment request data includes at least a portion of the transaction information of the received transaction request data, receive payment card data from the payment electronic device based on the transmitted payment request data, and transmit at least a portion of the received payment card data to the merchant subsystem. Additional embodiments are also provided.

Systems, methods, and computer-readable media for using an online resource to manage credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving account data via an online resource, accessing commerce credential status data from a secure element of the electronic device, providing initial credential management option data via the online resource based on the received account data and based on the accessed commerce credential status data, in response to the providing, receiving a selection of an initial credential management option via the online resource, and changing the status of a credential on the secure element based on the received selection. Additional embodiments are also provided.

When approaching a card reader device, the electronic device receives a near field communication NFC field strength sensing message and indication information, where the indication information is used to indicate an application identifier AID corresponding to a virtual card, and the virtual card is a card that is not activated in the electronic device, or the indication information is an application data packet, and the application data packet does not include information about an AID; and when the indication information is used to indicate the AID corresponding to the virtual card, the electronic device executes a transaction with the card reader device by using the virtual card, and displays information about the virtual card in a first application, or when the indication information is the application data packet, the electronic device does not display the information about the first application.

In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.