A method, user device, and computer-readable storage media for registering and activating accounts is provided. One method includes transmitting a first input from a user regarding opening an account at an institution, establishing a communication session based on exchanging encryption keys between the user device and the computing system, in response to establishing the communication session, automatically installing a client application, displaying, via the client application, a graphical user interface (GUI) including a request for a user verification, transmitting, via the communication session, a received user verification, receiving a second input to add the account a mobile wallet on the user device, prompting the user for a value regarding the account, and receiving and storing, via the communication session, a payment token for transactions via the mobile wallet before a physical card associated with the account of the computing system is received.

A computing system receives first input from a customer to establish an account at the financial institution having a physical payment card associated therewith, approves the customer for the account based on account registration information received from the customer, and establishes the account for the customer. Establishing the account includes generating a card number for the physical payment card and associating the card number with a first status indicator, the first status indicator being associated with an inactive status of the account. Once the account is established, the computing system transmits a prompt instructing the customer to establish a PIN for the account and receives a customer-input PIN for the account. Additionally, the computing system receives another input from the customer to provision the account to a mobile wallet, provisions the account to the mobile wallet, and enables the customer to engage in mobile wallet transactions with the account prior to the customer receiving the physical payment card.

A system for customizing a card may include a communication device configured for receiving a customization request for generating a customized card from a user device, transmitting an executable content to the user device, and receiving at least one manipulated digital content. The executable content, upon execution on a processor included in the user device, may be configured for receiving, using an input device, a selection of at least one digital content, retrieving, using a memory device, at least one digital content, receiving, using the input device, at least one digital content manipulation, generating, using the processor, the at least one manipulated digital content based on the at least one digital content and the at least one digital content manipulation, and transmitting, using a transceiver device, the at least one manipulated digital content. The system may include a storage device configured for storing the at least one manipulated digital content.

A system and a method are disclosed for receiving, by a processor, a request from a client device, and, in response to receiving the request, transmitting a machine learning model and training data to the client device. The processor receives a trained version of the machine learning model, where a nonce is generated as a byproduct of the trained version, the nonce being at least a part of a candidate value for a new block being added to a blockchain. In response to receiving the trained version, the processor determines whether the trained version of the machine learning model satisfies an acceptance criterion. In response to determining that the trained version of the machine learning model satisfies the acceptance criterion, the processor causes release of a token to a user of the client device.

A method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.

A method, user device, and computer-readable storage media for registering and activating accounts is provided. A method includes: transmitting, by a user device to a computing system, an input from a user regarding opening an account at an institution associated with the computing system; establishing, by the user device, a communication session based on exchanging encryption keys between the user device and the computing system; in response to establishing the communication session, automatically installing, by the user device, a client application; displaying, via the client application on the user device, a graphical user interface (GUI) comprising a request for a user verification; transmitting, by the user device via the communication session, a received user verification to the computing system; and receiving, by the user device, an indication of an activation of the account at the institution from the computing system.

A provider computing system includes one or more processing circuits including one or more processors and one or more memories having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to: receive a new card action from a customer, the new card action prompting a provider to send a new card to the customer; determine that a personal identification number (PIN) has not been set for the new card; determine whether the customer is registered for online access for an account associated with the new card; in response to determining that the customer is registered for the online access, perform an online-based PIN process to set the PIN; and in response to determining that the customer is not registered for the online access, perform a call-based PIN process to set the PIN.

A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier. The purchase card has an account identifier associated therewith and has a card indicium affixed thereto. The purchase card includes a machine-readable information encoding region into which the account identifier is encoded. The card carrier has a carrier indicium affixed thereto. The method includes populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium. Activating the card by associating value to it includes comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium.

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, wherein, a communications link carries data between the DAD and the DTC by the DAD transmitter and the DTC receiver, wherein the DAD is operable to obtain one or more Limited Operational Life Passwords (LOLPs), and, the DAD is operable to send the one or more LOLPs to the DTC, such that the DTC secure element stores at least one of the one or more LOLPs, thus enabling the DTC to perform a transaction with the at least one digital transaction device when the at least one of the one or more LOLPs is provided to the digital transaction device during the at least one LOLPs operational life.

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.