Systems, methods, and computer-readable media for managing near field communications during a low power management mode of an electronic device are provided that may make credentials of a near field communication (“NFC”) component appropriately secure and appropriately accessible while also limiting the power consumption of the NFC component and of other components of the electronic device.

A method and a device for making available electric charge in order to charge an electronic card including a near-field communication module by way of a terminal. The terminal has what is known as a reader mode in which it is able to supply power to the card in near-field mode and receive data from the card. The method includes the following steps, on the terminal, set to reader mode, so as to generate an electromagnetic field able to charge such an electronic card: initializing the communication between the terminal and the card; receiving a message from the card, the message containing at least one datum telling the terminal that it should maintain the electric charge; and maintaining the electric charge while remaining in reader mode.

Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.

A method, apparatus, and system of activating and using a contactless card are disclosed. A method includes receiving a transaction card application for a contactless transaction card from an applicant; issuing a contactless transaction card based on the transaction card application, wherein the contactless transaction card comprises a uniform resource locator (URL) embedded thereon; and activating the contactless transaction card in response to receiving information from a contactless communication between the contactless transaction card and a customer device, wherein the contactless communication causes access to a web site associated with the URL.

Systems, methods, and apparatus are provided for secure transaction execution at an assistive device. Assistive devices include technologies that support people with disabilities in daily tasks, such as mobility aids or vision aids. An assistive device may be preregistered with a financial institution. The financial institution may generate a first hash incorporating a customer identifier and a device identifier. At the time of transaction, an active session may be initiated with the assistive device at a POS terminal, self-service kiosk, or financial institution. The assistive device may use short range wireless communication such as NFC or UWB to transmit the customer identifier and device identifier. A second hash may be generated and compared to the first hash to authenticate the device. Following authentication, the transaction may be completed at the assistive device via user inputs to the assistive device.

The present disclosure relates generally to gaming systems and methods for facilitating an automatic transfer of funds to and from an electronic gaming machine via a mobile device.

A system for processing electronic information is disclosed. The system includes a bracelet including a chip, a scannable code on the outer surface of the bracelet, and a PIN number on the inner surface of the bracelet. The system also includes a backend system for processing activation of the bracelet, for processing payments by a user of the bracelet, processing payroll payments to the user, processing access entry to a venue, or processing access to a cloud server. An interface is provided between the bracelet and the backend system. The interface receives data stored in the chip, the scannable code, or the PIN number.

In accordance with an embodiment, an electronic device includes a secure element configured to implement a plurality of operating systems; and a near field communication module coupled to the secure element by a single bus and by a routing circuit configured to route routing data between the plurality of operating systems and a receive circuit of the near field communication module.

An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.