A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.

A system to indicate to a user to enter a personal identification number (PIN) on a commercial off the shelf (COTS) device, the system comprising: a secure card reader communicatively coupled to the COTS device, and wherein the secure card reader receives a payment card; a payment application installed on the COTS device; and one or more devices other than the COTS device. The payment application installed on the COTS device transmits one or more prompts to the one or more devices other than the COTS device based on a set of signals received from the secure card reader. The secure card reader transmits the set of signals after the payment card is received at the secure card reader, and the one or more prompts comprise at least one indication to the user to enter the PIN on a display of the COTS device.

The current disclosure may include a mobile robot having an ambulatory system capable of moving the robot at speeds of at least two miles per hour, a machine vision system, a communication system including a speaker that produces human-audible sounds and also configured to conduct wireless communication using a wireless communications link. Such communication may be conducted with a remote server. The robot may include a banking card receiving slot for receiving a banking card and a keypad for receiving a PIN. Some embodiments may include a document scanning and processing system in electronic communication with the communication system. In addition, the robot may use the document scanning and processing system to receive documents from the customer, scan and process the documents from the customer, and transmit information derived from the processing, to the remote server. Such information may serve to facilitate an interaction between the customer and an ATM.

Methods and systems are disclosed for providing secure authentication in a virtual or augmented reality environment using an interactive icon. One method comprises: receiving, over a computer network, a request for payment authorization; identifying, based on the request for payment authorization, a virtual reality interface; generating an icon in the virtual reality interface, the icon having a randomized display of authentication characters; receiving user input associated with at least one character of the of payment authentication characters in the virtual reality interface; and generating a payment authorization response to the request for payment authorization based on the received user input.

A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.

A method and apparatus for transmitting uplink control information (UCI) for Long Term Evolution-Advanced (LTE-A) using carrier aggregation is disclosed. Methods for UCI transmission in the uplink control channel, uplink shared channel or uplink data channel are disclosed. The methods include transmitting channel quality indicators (CQI), precoding matrix indicators (PMI), rank indicators (RI), hybrid automatic repeat request (HARQ) acknowledgement/non-acknowledgement (ACK/NACK), channel status reports (CQI/PMI/RI), source routing (SR) and sounding reference signals (SRS). In addition, methods for providing flexible configuration in signaling UCI, efficient resource utilization, and support for high volume UCI overhead in LTE-A are disclosed.

Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card presented at a terminal. A requested transaction for monetary value is processed via a first transaction type. If the transaction is successful, monetary value is dispensed to the user. If unsuccessful, the card is not ejected and the transaction is processed via a second transaction type. The first transaction type might be a PIN based ATM transaction and the second transaction type might be a signature based transaction.

The present disclosure describes apparatus, systems and methods in which a first data storage is maintained for a first group of authorization codes, for example those associated with a local POS system, and second data storage, logically separate from the first data storage, is maintained for a second group of authorization codes, such as those associated with a remote or online sales system. Access control is achieved by checking a received authorization code for validity against one or both groups of authorization codes, without needing to integrate different code assignment systems or different sales systems with one another. The technology has particular utility for automated car wash systems, although it is not limited thereto, and embodiments of the technology may be retrofit to existing car wash control interfaces.

Disclosed are various embodiments for automatically updating an authorized variance for a virtual token account. In one example, among others, a computing device is configured to receive an authorization request associated with a virtual token from a merchant system. The transaction request amount is determined to be less than the virtual token balance combined with an authorized variance of the virtual token. The authorization request is authorized based at least in part on the determination that the-transaction request amount is less than the virtual token balance combined with the authorized variance. An authorized variance transaction history is generated based on previous approved transactions and previous declined transactions. The authorized variance for the virtual token is determined to be updated based at least in part on the authorized variance transaction history. The authorized variance of the virtual token is automatically updated.

Disclosed herein are system, method, and computer program product embodiments for remote activation of an automated teller machine (ATM) to dispense cash to a customer. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, the customer may visit the ATM. The customer may capture an image being displayed on a display of the ATM using a camera of the mobile device. The captured image may be sent to an application server from the mobile device. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.