A short-term certificate is disclosed. The method receives a request for a short-term certificate to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term certificate and an identifier for the second party. A part of the credit account is allocated to cover the value of the short-term certificate. The short-term certificate is generated and provided to the second party. However, no funds are taken from the credit account of the first party until the short-term certificate is redeemed.

A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.

A short-term authorized pass is disclosed. The method receives a request for a short-term authorized pass to be generated from a credit account of a first party and provided to a second party, the request includes an amount allocated to the short-term authorized pass. A sub-account is generated from the credit account by allocating a part of the credit account to form the sub-account. The credit limit on the sub-account is set to the amount identified by the first party, a virtual account number (VAN) is assigned to the sub-account, and the VAN of the sub-account is linked to the credit account. The short-term authorized pass is generated, using the VAN of the sub-account, and is provided to the second party. However, no funds are taken from the credit account of the first party until the short-term authorized pass is used.

Disclosed are devices, systems and the like for determining unauthorized communication of data from a card device equipped with a magnetic stripe and/or smart chip. The card device is able to count by recording the number of instances in which the card device has either been swiped at a magnetic card reader or communicated data via an embedded Integrated Circuit (IC). In specific embodiments, the device is further configured to differentiate between authorized swipes/data communications and unauthorized data communications.

The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific merchant. The system stores, for each consumer, the merchant loyalty dollars (or monetary equivalent) by merchant within a remotely-accessible host database or within a smart card database. Upon conducting a purchase at a particular merchant, the consumer may utilize a code key to facilitate access to the consumer's own loyalty dollars for the particular merchant. The loyalty dollars are then applied to the purchase transaction as a discount or rebate. The consumer may also re-load the merchant loyalty dollar accounts.

A smart key device for use with a vehicle is disclosed. The smart key comprises: an interface configured to communicatively couple with a controller of the vehicle; and a non-volatile storage module configured to store a deactivation message configured to cause the controller of the vehicle to deactivate and/or limit the functionality of the vehicle. The deactivation message may include an indication of a time period or distance driven after which the vehicle will be deactivated. A vehicle controller; a smart key write device and associated methods are also disclosed.

A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.

Dermatological treatments and systems employing cooling, topicals, and/or abrasion are disclosed herein. The system can include a cold plate and a suspension assembly tip. The suspension assembly tip can be selectively coupleable to the cold plate. The suspension assembly tip can include a suspension tip and a suspension. The suspension tip can include a contact surface that can be contacted onto a patient's skin to provide a treatment. The suspension can couple to both the cold plate and to the suspension tip. The suspension can be thermally conductive so as to closely thermally couple the suspension tip to the cold plate, or the suspension tip can have a low thermal conductivity so as to not closely thermally coupled the suspension tip to the cold plate.

A method for communicating with a fingerprint card to perform transaction, comprising the following steps: receiving a Processing Options Data Object List (PDOL) request from a terminal, sending a waiting time extending instruction at a preset interval, obtaining and verifying a user's fingerprint, determining a specific transaction type from the PDOL request, matching the terminal type, ensuring the transaction is not refused by an application controller, and returning a response with an Application Interchange Profile (AIP) and Application File Locator (AFL) to the terminal. It also involves returning a read record based on the AFL. According to the present invention, a process of using the fingerprint card includes an additional step of verifying the fingerprint. Once the fingerprint verification is successful, there is no need to enter a password or sign anymore. This solves the problem of being unable to use any smart card due to forgetting its password.