An electronic device includes a communication circuit that communicates with a server for issuing a mobile card, a secure element that stores the mobile card, a memory, and a processor that is electrically connected to the communication circuit, the secure element, and the memory, wherein the processor receives personal data required for authentication of a user corresponding to the mobile card and card data required for payment by the mobile card through the communication circuit from the server when the mobile card is provisioned, and stores, in the secure element, backup data including the personal data and the card data for backing up the mobile card.

A method and a system for providing a financial transaction using an empty card are provided. The method for providing a financial transaction using an empty card includes receiving, by a server, a virtual card number generated by a program included in a user terminal, searching, by the server, for an empty card storage location at which the empty card is registered, in a storage location search algorithm based on the virtual card number, searching, by the server, for a real card number storage space linked to a user identification (UID) assigned to the found empty card storage location, extracting, by the server, a real card number stored in the real card number storage space, and performing, by the server, a financial transaction progress or a financial transaction progress request with the extracted real card number.

Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card.

Embodiments may be generally directed to techniques, systems, and devices to control settings stored on contactless cards.

Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

At least some embodiments are directed to a dynamic card. The dynamic card transmits a first temporary card identification number to a computing device. The dynamic card is without an internal power source and is powered up by an external power source housed within the computing device. The dynamic card determines an absence of unused encrypted card identification numbers and receives a set of encrypted card identification numbers from a server. The dynamic card decrypts a second temporary card identification number from the encrypted card identification numbers and shows the second temporary card identification number on a display, replacing the first temporary card identification number. The second temporary card identification number remains shown on the display after the power from the external power source is discontinued. The second temporary card identification number can be used in a subsequent interaction with another computing device.

A method for enabling, via a digital wallet application, a smart card to operate as a primary smart card for a plurality of a user's smart cards. The primary smart card may include a microprocessor, a touch screen, a wireless interface and an embedded subscriber identification module (“E-SIM”) card. The method may include retrieving on the primary smart card, from the digital wallet application, a list of a plurality of smart cards, displaying on the touch screen of the primary smart card, a selectable list of the plurality of smart cards, receiving, via the touch screen, a selected smart card and storing the card data on the E-SIM of the primary smart card. When the primary smart card is within a pre-determined proximity to a point-of-sale (“POS”) device, the primary smart card may be configured to transmit the card payment data stored on the E-SIM to the POS device.

A computing system for secondary merchant card delivery is provided. The computing system may include a processor coupled to a memory to execute secondary merchant card delivery using a secondary merchant card delivery agent of a mobile unit and a merchant card system of an ATM machine in communication with a networked server node. The processor may be operable to receive a user request using the merchant card agent and to send the user request to a server having a merchant card module. In addition, the processor may be operable to initiate a first security protocol and to generate, in response to verified security approval, a merchant card profile. Further, the processor may be operable to send the merchant card profile to the ATM merchant card system, whereby the processor is operable to generate a signal for initiation of generation of the secondary merchant card and dispense the same to the user.

Systems and methods for instant issuing of a transaction card, controlling issuing of the instant transaction card, and customization of the transaction card. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving a request to issue a card and directing the customer to insert an identification card. Proceeding with capturing identification and biometric data identifying the customer and verifying the captured identification and biometric data. The operations also include determining whether a combination of the available customer data and the received biometric data is sufficient to verify customer identity. When the combination data are sufficient to verify customer identity, the operations further include issuing a transaction card. The operations further include capturing an image of the customer and issuing a customized transaction card to the customer.

Systems and methods for managing a user-selected card verification code (CVC2) value for a payment card are disclosed. A sever is coupled to a payment card database and a hardware security module. The server is programmed to receive a request from a user to change the CVC2 value of the payment card to the user-selected CVC2 value. Based upon the request, the server retrieves from a payment card table stored on the database a payment card record associated with the payment card. The server transmits the user-selected CVC2 value, and, from the payment card record, a primary account number, a payment card expiry date, and a first service code to a hardware security module. The server subsequently receives from the hardware security module a second service code associated with the user-selected CVC2 value. The server updates the first service code in the payment card record to the second service code.