A method includes, in a processor (44) of a user device (24), preloading one or more user applications (26) in a background mode, in which activities associated with preloaded user applications are hidden from a user of the user device. An activity, which is invoked in the processor and is associated with a given preloaded user application, is detected. An assessment is made by the processor, whether the activity is a preload-initiated activity that is invoked due to preloading of the given user application, or whether the activity is a user-initiated activity that is invoked due to an action by the user. If the activity is assessed to be a preload-initiated activity, the activity is handled using a first handling scheme. If the activity is assessed to be a user-initiated activity, the activity is handled using a second handling scheme, different from the first handling scheme.

Various embodiments are generally directed to techniques provide applets to transaction card. In embodiments, a transaction card may receive an applet signed with a verification signature. The transaction card may determine whether the verification signature matches one of the verification values stored on the memory, enable the applet including the instructions for execution by the processing circuitry in response to the determination the verification signature matches one of the verification values, and prevent enablement of the applet including the instructions for execution in response to the determination the verification signature does not match any of the verification values.

Apparatus (512, 514, 516, 520) on a Digital Transaction Card (DTC) (518), the apparatus (512, 514, 516, 520) including a Digital Transaction Processing Unit (DTPU) (520) operable for executing an instruction from a standard command protocol, wherein the DTC (518) is operable to store one or more scripts (504), each script (504) including one or more instructions from the standard command protocol, the DTC (518) further operable to cause the DTPU (520) to execute the one or more instructions.

Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with data selected and transferred from the DAD to the DTC, wherein the DTPU is configured to enable data communication with a digital transaction device during a digital transaction, the DTPU operable to receive and execute one or more commands that emulate commands received from the digital transaction device.

Techniques are described for facilitating use of invocable services by applications in a configurable manner. In at least some situations, the invocable services are Web services or other network-accessible services that are made available by providers of the services for use by others in exchange for fees defined by the service providers. The described techniques facilitate use of such invocable services by applications in a manner configured by the developers of the applications, including to allow the application developers to configure pricing terms that will be used to determine fees that end users of the applications will be charged for use of the invocable services via the applications. In some situations, the configured pricing terms for a service specify fees for end users that differ in one or more ways from the defined fees charged by the provider of that service.

The card binding method disclosed applied to a terminal. The method includes: displaying a first screen, where the first screen displays bank cards associated with an account number with which a digital wallet APP is currently logged in to; determining a to-be-verified bank card and at least one to-be-bound bank card from the bank cards; displaying a second screen, where the second screen is used to prompt a user to enter verification information of the to-be-verified bank card; and sending the verification information to a server to request the server to deliver a card application and personalization data corresponding to each to-be-bound bank card to the terminal after verification performed on the verification information succeeds, to complete binding of the at least one to-be-bound bank card.

A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Methods and apparatuses are provided for configuring and using a contactless application on a chip within a portable device comprising input/output connections arranged to communicate with other devices via a contact connection and via a contactless connection. One such method comprises a first process and a second process. The first process comprises receiving, at the chip and from a first other device, a set of computer instructions, to be executed by the chip, to create a contactless application in a data store of the chip and initialise at least one file associated with the contactless application. The second process comprises executing, by the chip of the portable device, the contactless application, to transmit data to a second other device.

Described herein is a system for automatically reissuing a prepaid device for an expired account upon detecting a funding event associated with the expired account. An account may be expired upon determining that one or more expiration conditions have been met. An event handler may be configured to receive events. Upon identifying a funding event associated with an expired account, the event handler may initiate a reissuance process for a prepaid device associated with the account.