Plastic card processing equipment that provide the ability to test the functionality of a biometric sensor on a plastic card to verify that the biometric sensor is working properly prior to being issued to a card holder. The test can be performed while the plastic card is within the plastic card processing equipment, before or after any processing occurs on the plastic card.

Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API. The process also includes receiving, by the digital card asset service computer from the issuer device, digital payment card product characteristics data responsive to at least one digital payment card product characteristic query, transmitting computer executable instructions to the issuer device for rendering an image of a payment card on a display screen of the issuer device as the user inputs data, then receiving an indication that the user is finished inputting data, and lastly storing a payment card product data file that includes card art data and payment card product characteristics data to a cloud service.

Examples described herein relate to apparatuses and methods for processing two or more credit cards by a financial institution computing system, including but not limited to receiving, from a user, the credit application for applying for two or more credit cards, processing, by the financial institution computing system, the credit application for the two or more credit cards, and issuing, by the financial institution computing system, at least one of the two or more credit cards.

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

A computer-implemented method includes receiving a first input from a customer to establish an account at a financial institution; establishing the financial institution account for the customer based on registration information regarding the customer; generating a card number for a physical payment card and associating the card number with the financial institution account; receiving a customer-input PIN that establishes the PIN for the financial institution account after establishing the financial institution account and generating the card number; receiving a second input from the customer to provision the financial institution account to a mobile wallet application before creation of the physical payment card; provisioning the financial institution account to the mobile wallet application; and associating the card number with a status indicator, the status indicator associated with a digitally-active status that enables the customer to engage in mobile wallet transactions using the financial institution account.

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

The method secures data of a bank card linked to a bank account. The data is static and includes the number of the card, the identification data of the holder of the card, the expiration date of the card, and a cryptogram. The bank card number and cryptogram include multiple digits and/or letters. The method includes inscribing only partially secure data on the card in such a manner that the data is concealed and never visible on the card. The concealed data is multiple digits and/or letters of the number of the card and/or at least an identification datum of the holder and/or at least one element of the expiration date and/or at least one digit and/or letter of the cryptogram. The method includes transmitting to the only cardholder a means for disclosing the concealed data.

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

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.