Some examples include establishing a secure communication session between a mobile device and a card reader. For instance, a trusted, remote validation server may be used to validate security information of a software module executing on the mobile device prior to the card reader and the software module establishing a secure communication session with each other. In some cases, the software module sends the security information of the software module to the validation server. The secure communication session between the software module and the card reader may be established based on a validation result of a validation process indicating that the security related information of the software module has been determined to be valid by the validation server.

A virtual smart card service corresponds to an execution of a smart card application. A key is stored at a server side. Application metadata is used to emulate a smart card application logic. The method comprises: processing, by a client, the smart card application logic; running the smart card application while retrieving smart card data from the smart card application logic; identifying key operation within the smart card application; generating a key operation request by using the identified key operation and data relating to the client; sending to the server the key operation request; processing, by the server, the key operation request by using the key and client data; getting a key operation result from the identified key operation on the client data; and sending to the client the key operation result.

A user-interactive digital signage apparatus includes a signage housing, a touch panel display, a card reader, and a controller. The card reader is configured to read card information from a prepaid card presented by a user at the retail space. The controller is configured to obtain map image data for a map image of the retail space using the card information, the map image data including information on one or more affiliated stores that are affiliated with the prepaid card among a plurality of stores in the retail space. The controller is configured to control the touch panel display to display a user-interactive retail space map including one or more map elements corresponding to at least a part of the one or more affiliated stores, in an emphasized display manner with respect to one or more map elements corresponding to one or more non-affiliated stores in the retail space.

A transaction card construction and computer-implemented methods for a transaction card are described. The transaction card has vector-formatted visible information applied by a laser machining system. In some embodiments, systems and methods are disclosed for enabling the sourcing of visible information using a scalable vector format. The systems and methods may receive a request to add visible information to a transaction card and capture an image of the visible information. The systems and methods may capture data representing the image. The systems and methods may also determine an ambient color saturation of the image. Further, systems and methods may translate the image based on the ambient color saturation of the image. The systems and methods may also map the translated image to a bounding box and convert the mapped image into vector format. In addition, the systems and methods may provide the converted image to a laser machining system.

Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.

A system and a method for processing a payment by using a card reader device is provided. The method includes: initiating, by a processor, a communication with a server that is associated with a financial institution via an Internet connection; receiving, from the server, a first payment processing application that is associated with the financial institution; receiving, from the card reader device, payment information that relates to a proposed transaction; using the first payment processing application to determine whether to authorize the proposed transaction based on the received payment information; displaying either a confirmation message indicating that the proposed transaction is authorized or a rejection message indicating that the proposed transaction is not authorized; and transmitting a result of the determination to the server.

An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

A method for implementing a password-free EMV contact transaction. The method comprises: when a terminal receives transaction information, same selects an application and performs a password-free function setting; initializes the selected current application, performs an offline data validation and processes a limitation; determines, on the basis of the password-free function setting, whether the selected current application requires a cardholder to verify a PIN; if yes, then when correct PIN information inputted by the cardholder is received, performs terminal risk management, a behavior analysis, online processing, and transaction termination processing; if not, then performs terminal risk management and a behavior analysis; determines, on the basis of the password-free function setting, whether to perform online processing and performs transaction termination processing; the password-free function setting performed comprising: when an optional kernel configuration flag in an application parameter corresponding to the current application acquired is set and the transaction amount in the transaction information is greater than a password-free IC card transaction limitation amount, the current application is configured so that the need for the cardholder to verify a PIN is obviated. The present invention implements the effect of allowing password-free small-amount transactions and obviates the need to upgrade IC cards.

A method and apparatus for EMV terminal device testing using a simulation of a plurality of EMV cards when interacting with an EMV terminal device emulator are described. The method may include establishing, by an EMV card emulator, an interface with the EMV terminal device emulator for the exchange of EMV card present transaction communications between the EMV card emulator and the EMV terminal device emulator. Furthermore, for each of a plurality of simulated EMV cards, the method may include exchanging one or more communications with the EMV terminal device emulator via the interface, wherein each communication simulates a communication generated by a simulated integrated circuit of an EMV card in response to a communication generated by the EMV terminal device emulator, and then causing at least one transaction to be run by the EMV terminal device emulator using the exchange of the one or more communications between the EMV card emulator and the EMV terminal device emulator.

Systems and methods for a dual-read, single swipe card system. The systems and methods use a single card reader with circuitry and programming elements which receive a swipe of either a store card or a credit card, recognize the type of card being swiped, and execute a different payment processing procedure depending on the type of card being swiped. This process is carried out in a standards compliant manner. Transactions using either system maybe synchronized into a single database, regardless of which type of payment card was used for the transaction.