Systems, methods, apparatus, computer program code and means are provided to operate a first device to receive a coin having value from a second device while offline.

Embodiments of the invention are directed to a system, method, or computer program product for integration with a wearable device for impetus resource distribution process confirmation and authentication. In this way, the invention coordinates with a wearable device and resource distribution vehicles of a user. Upon activation of a resource distribution vehicle, the system reviews metrics from the wearable device to identify discrepancies between the real-time metrics and a baseline for the user. The invention triggers tiered confirmation requests for authentication prior to allowing processing of the resource distribution for impetus distribution prevention.

Various switchable devices including inductive antennas are disclosed. These switchable devices may include one or more RFID tags and one or more switches. Some of these one or more switches are optionally wireless and/or manual. In various embodiments, the switchable devices include are included within cellular phones, security devices, identity devices, financial devices, remote controls, and the like. The switchable devices are optionally configured to perform financial transactions.

A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a transaction card including a contactless enabled chip having payment information and identity information stored thereon, where the contactless enabled chip is configured to communicate the identity information to a mobile device via a contactless communication, and where the identity information comprises a cryptographic key, cryptographic token, or a digital certificate is disclosed.

A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

System and methods for conducting transactions using a surrogate PIN are disclosed. In one embodiment, at a mobile payment platform comprising at least one computer processor, a method for conducting a transaction may include: (1) receiving an identification of a debit-based payment instrument from an electronic wallet; (2) receiving, from a payment switch, a token for the debit-based payment instrument and a limited use key; (3) associating the token and limited use key with the debit-based payment instrument; and (4) providing the token and limited use key to a digital payment platform for transacting. A surrogate PIN may be provided to a debit payment network from one of the payment switch and a digital payment platform for an issuer.

Techniques for conducting transaction(s) between a merchant and customer(s) via a multi-device point-of-sale (POS) system is described. The multi-device POS system may include a merchant-facing device and a plurality of customer-facing devices. A merchant application executing on the merchant-facing device may determine an attribute of a customer based on data received during a pending transaction. The merchant application may determine accommodation capabilities of individual customer-facing devices of the plurality of customer-facing devices. The merchant application may select a customer-facing device for the customer to use in the transaction based on the attribute of the customer and the accommodation capabilities of the individual customer-facing devices. The merchant application may generate a user interface directing the customer to the selected customer-facing device.

Systems and methods for facilitating mobile payment transactions with a plurality of vendors is described herein. An example method includes maintaining consumer information. The consumer information includes a plurality of respective account profiles associated with a plurality of consumers. The method also includes transmitting vendor content associated with a first vendor to a user's mobile computing device, and transmitting vendor content associated with a second vendor to the user's mobile computing device. The method further includes facilitating a plurality of mobile payment transactions with the user on behalf of the first and second vendors using a respective account profile associated with the user.

Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number. Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

A method includes: receiving, by a computer device and from an automated teller machine, a personal identification number that is associated with an account; determining, by the computer device, that the personal identification number is a disablement personal identification number that is associated with the account, the account having an activation personal identification number, the disablement personal identification number and the activation personal identification number being different; determining, by the computer device and as a result of receiving the disablement personal identification number, at least one disablement action to be performed by a device other than the automated teller machine; and transmitting, by the computer device, a command to perform the disablement action.