A multifunction card includes an integrated circuit. The integrated circuit includes a memory, a processor, and a communicator. The memory stores first software which is executed by the processor and realizes a card payment function, second software which is executed by the processor and realizes a function other than the card payment function, biometric data for a user capable of using the card payment function, and setting data which represents that biometric authentication for the first software is necessary and whether biometric authentication for the second software is necessary.

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

A dynamic transaction card with a display for providing barcodes is described. The barcodes can be generated by driving individual light emitting diodes (LEDs) of the display at frequencies of greater than 50 Hz. Due to the high frequency, the barcode can be readable by a barcode scanner, while remaining invisible to the human eye. The barcode can also be generated by driving a first set of LEDs at a different frequency and/or time interval than a second set of LEDs. Light waves from the first set of LEDs can constructively interfere with light waves from the second set of LEDs to create spatial voids readable by the barcode scanner.

A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules. Each component of the system may communicate with each other in order to reprogram the transaction card.

Embodiments of the invention are directed to methods, systems, and devices for replacing a token on a user device, such as a transaction card. The transaction card includes tokens representing an actual account identifier which is not visible on the transaction card. The transaction card may store a first token on a and include a digital display that displays a second token. When the first token or the second token is compromised, the compromised token is replaced without replacing the transaction card. When the second token is compromised, the compromised token is replaced with a new replacement second token using an electronic device. The replacement second token replaces the old second token on the digital display. After the second token is compromised and before the replacement second token is provisioned on the transaction card, the transaction card may still be used for transactions using other tokens provisioned on the card.

A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and engage in communications with the electronic transaction card. Based on information received from the electronic transaction card, the payment terminal may predict the locations of data objects that must be accessed in order to process transactions. The data objects may be accessed based on the predictions and the transaction may be processed.

The present disclosure involves systems, software, and computer implemented methods for automatically modifying a payment instrument type of a user. One example method comprises receiving, via a communications module, a first signal including an indication of acceptance associated with a particular product selected from a set of potential products for replacing a current product associated with a first customer. At least one term or condition associated with the selected product is identified that is different than the terms or conditions associated with the at least one current product. The terms and conditions associated with the at least one current product associated with the first customer are automatically modified to correspond with the at least one different identified term or condition associated with the selected product, wherein modifying the terms or conditions does not change a unique identifier associated with the at least one current product being modified.

A contactless card useful for adjusting the operation, configuration, and/or performance of a secondary device is described. The contactless card is equipped with a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits that information in the form of an accommodation message to the secondary device after being placed in a NFC field generated by the secondary device. In some embodiments, the contactless card requests an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. In some embodiments, the contactless card may adjust what accommodation information is included in the accommodation message based on the authentication certificate received from the secondary device.

A system may include a payment card that includes one or more chips that are operable to utilize information in a payment transaction to enact different functions. For example, a payment applet in a contact chip transaction (e.g., contact EMV transaction) or contactless chip transaction (e.g., contactless EMV transaction) may utilize information that flows through the chip (e.g., country, time, date, transaction amount, approval status) to trigger pre-stored messages or functions (e.g., switch to a payment option or account). Information may be introduced into the chip during a transaction as a result of manual input from the cardholder on the cardholder's phone or other device. Thus, transaction scripting (e.g., EMV scripting) may be utilized to let a card (e.g., static or powered) know that a function (e.g., change of account) is desired by a cardholder and the chip may, if not in the proper account, reset and restart the chip in a mode associated with the desired function (e.g., in the desired account).

A card or other device may include two or more contact chips, each contact chip associated with a different payment method.