A method includes determining a value amount associated with a transaction card having an optical code. The method also includes, based on a transaction involving the transaction card, updating the value amount. The method also includes determining that the optical code has been read. Responsive to the optical code being read, the method includes causing a display associated with the transaction card to render the value amount.

A terminal device includes: an information medium payout device that pays out an information medium associated with balance information representing a balance of a game value according to a result of a game; and a transmission device that transmits information medium identification information unique to the paid-out information medium, insertion information representing the inserted game value associated with the information medium identification information, game information representing a history of a game executed based upon the inserted game value, the balance information, and gaming machine identification information identifying the gaming machine in which the balance information is generated to an information processing device, and the information processing device includes a history information storage device that stores the information medium identification information as unique history information associated with the information medium identification information, and a determination device that determines a game dependent state of a player based upon the history information.

The present invention comprises an electronic carrier and an electronic device. The electronic carrier comprises a microprocessor and a security chip stored with a transaction authorizing key and a transaction confirmation program. The electronic device is installed with a transaction application applicable to a plurality of cryptocurrencies. The transaction application is stored with a plurality of scripts and can generate a transaction request after receiving a cryptocurrency balance through a networking module. The transaction request includes a raw data that is incapable of being executed independently and a target script. The electronic carrier generates a transaction authorization data according to the target script and the raw data, and the transaction authorization data is transferred to the cloud transaction platform for completing the transaction of cryptocurrency. Therefore, the electronic carrier is applicable to various released cryptocurrency types, and the loading of electronic carrier is reduced.

Methods, systems, and computer program products are included for splitting a gift card by generating one or more other gift cards. A transaction processor receives a request to split a first value that corresponds to a first data structure, the request including a first identifier that is associated with the first data structure. Responsive to the request, the transaction processor generates a second data structure. The transaction processor assigns a second identifier and a second value to the second data structure. The transaction processor receives a second request that includes the second identifier and a third value. The transaction processor reduces the third value by the second value.

A system is provided as a computer server platform and application programming software installed in primary devices of users for exchanging and trading digital asset securely and anonymously between two users of the system. The digital asset is registered under a device account of a primary device of a user with the system using a unique device account name. The system respects “privacy by design” in GDPR by using device account based-on anonymized data instead of personal account based-on personal data of prior art to ensure the system does not collect, store and process users' personal data in the course of device accounts' set-up and transactions of digital assets.

Embodiments provide methods and systems for controlling payment transactions in a payment card using a companion payment application installed on a user device. The payment application and the payment card may be provided by an issuer server. Using the payment application, the number of transactions allowed on the payment card or an amount limit is set for the payment card. The payment application is used to set, reset, change the value of a counter in the card, which determines the number of allowed transactions. When the user attempts to make a transaction at a POS terminal, the payment card reads the value of counter, and if the value is not equal to a threshold value, the payment card exchanges data with the POS terminal and updates the value of the counter. The payment card is precluded from transaction when value of the counter is equal to threshold value.

Provided is a process of classifying ambient signals to reduce fraudulent use of information, the process including: receiving, with the mobile computing device, from a remote server, balance-access information by which a stored value card balance can be spent at a point of sale terminal; storing, with the mobile computing device, the balance-access information; sensing, with one or more sensors of a mobile computing device, ambient signals; classifying the ambient signals as indicating the user is in a retail establishment; and in response to the classification, displaying, on a display screen of the mobile computing device, the balance-access information, such that the balance-access information can be input to a point-of-sale terminal.

Disclosed are techniques for achieving high-volumes of low-latency price plus discount transactions that are dynamically created through transaction optimization. Aspects may include combining and optimizing different types of discounts into a single discount and dynamically controlling the single discount through a single user-facing transaction. A computer model may determine one or more transactions and sets of discounts applicable to those transactions upon which the user-facing transaction and single discount are based. Associations between discounts and items may be determined for at least some different types of discounts to apply a set of discounts including at least two different discounts of different discount types to a desired transaction for one or more items. Aspects may include determining a discount transaction comprising a plurality of constituent transactions that form a single user-facing transaction.

A settlement system performs on-line settlement and off-line settlement by switching between them, while reducing risk to the business side and not causing a user making payment to be aware of the switching.

A terminal device includes selection means for comparing a payment amount with a set amount read from a recording medium and for selecting between off-line processing and on-line processing, depending on a result of the comparison, off-line processing means for performing a process of subtracting the payment amount from the set amount recorded in the recording medium and a process of sending the payment amount to a server device; and on-line processing means for performing a process of sending the payment amount to the server device and a process of updating the set amount when having received an update value. A server device includes server processing means for performing a process of receiving the payment amount from a terminal device and a process of subtracting the payment amount from a balance of an account corresponding to the recording medium, and for performing, in a case of the on-line processing, a process of sending the update value to the terminal device.

A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.