Systems and methods are disclosed for generating an acoustic authentication data entry interface. One method comprises generating a random sequence of characters and a visual user interface element comprising a plurality sections, each section of the visual user interface element being associated with a respective character of the generated random sequence of characters. A section of the visual user interface elements is displayed to a user. Concurrently, an audio recording of a character associated with the displayed section is played to the user. Based on determining user selection of the displayed section, the character associated with the displayed section is logged as part of an authentication data. When all of the characters constituting the authentication data are logged, an electronic transaction authorization request is sent to an acquirer processor.

A system and method for operating a currency management device of a service provider. The system includes a processing system, a memory, a user interface, a currency receiver, and a currency dispenser. The method can include the steps of receiving and dispensing currency as well as facilitating payment to third parties.

An ATM system includes a back-end server, an ATM central processing unit (ATM CPU) that receives information relating to the ATM system and a mobile computer. The mobile computer provides a CPU (MC CPU) and a keypad. The mobile computer may also provide a touch screen configured to display an initial ATM display. The ATM system also includes an interface system for interfacing between the ATM CPU and MC CPU. The back-end server formats and transmits to the ATM an API call. The API call requests a location of the user, ATM device information, and identification information of the user. The mobile computer is configured to respond to the API call by providing the location, the ATM device information, and the identification information of the user to the back-end server.

An embodiment includes a multi-function electronic device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally, methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and device-to-device transactions. Methods are also described for generating a limited-duration payment number when performing a transaction for the purpose of creating a limited-use payment number, which is limited in scope of use to a predetermined number of authorized transactions. Furthermore the device may interact with other similar devices in proximity for the purpose of funds or credit/debit transfers.

A method of secure reception, in a card reader, of a piece of data entered into a terminal connected to the card reader. The method includes the following acts by the card reader: obtaining an encipherment reader key from the card reader; encrypting the encipherment reader key by using an authentic encipherment key shared between the card reader and an authentication server, delivering an encrypted reader key; sending the encrypted reader key to the authentication server for transmission of the reader key from the authentication server to the terminal; receiving an encrypted key sent by the authentication server, resulting from an encryption of a terminal key, obtained by the authentication server, by using the authentic key; and receiving encrypted data sent by the terminal, resulting from an encryption, by using at least the reader key and of the terminal key, of the at least one piece of data.

Methods and systems for hybrid payment authorization for an electronic payment transaction for card-based payment options providing a single hybrid payment authorization method and system having multiple operating states of online and offline and allowing for payment authorization for an electronic payment transaction for card-based payment options regardless of connectivity status between the payment authorization network.

A method for assisting wallet providers in regulatory compliance for blockchain transactions includes: receiving, by a receiver of a processing server, a new blockchain transaction from a first computing device, the new blockchain including at least a destination address associated with a blockchain wallet as a recipient for the new blockchain transaction; generating, by a processor of the processing server, a reference identifier for the new blockchain transaction; identifying, by the processor of the processing server, a profile for the blockchain wallet based on the destination address; transmitting, by a transmitter of the processing server, the reference identifier to the first computing device; and transmitting, by the transmitter of the processing server, a notification message to a second computing device, the notification message including at least the reference identifier and data associated with the blockchain wallet.

In various embodiments, the mobile device includes an NFC tag for near-field communication. The NFC tag includes a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by an NFC reader device. Prior to a transaction, the personal data is transmitted from the first storage device to the second storage device, where the data is readable or accessible by the reader device. In one embodiment, the data remains stored in the first storage device and available for future use. In another embodiment, the data comprises financial product data.

One 16 digits smart card shaped like a regular bank card in length and width with chip and swiping abilities which is divided into several different separate sectors. e.g. bank cards, credit cards, cash transactions, medical insurance usage and other personal documentation of information that are all stored on one smart card. This smart card is configured to hold financial information, general information, and documentation of a variety of various categories of different documents on its database. All parts can be accessible by one four-digit secret security code to ensure the safety of the card's information.

A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.