A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.

A computer-implemented method for delivering a document to a user may include obtaining, via an automated teller machine (ATM), first identification data of the user, wherein the first identification data of the user includes a card number and a password associated with the card number; determining a notification status of the user based on the first identification data; obtaining, via the ATM, second identification data based on the notification status of the user; determining a delivery status of the user based on the first identification data and the second identification data; and delivering the document to the user based on the delivery status of the user via the ATM.

Exemplified systems and methods facilitate secured mobile payment transactions using credit cards, debit cards, bank account without having to transmit credit card, debit card, or bank account numbers over a wireless network. Rather, the exemplified systems and methods facilitate a highly secure and intuitive payment transaction and/or ATM cash withdrawal or transaction via two independent processes tied to a cloud or enterprise network—one performed between a customer computing device and a cloud network or enterprise network and another performed between a merchant computing device (including an ATM system) and the cloud or enterprise network. The validation token comprising a short code between 3 and 6 tokens in length is beneficially realized.

A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

A method includes receiving a communication identifying a remote database and a first value stored in the remote database that is being transferred to a first entity by a second entity. That first value is capable of being modified by the second entity. Modification of the first value stored in the remote database by the second entity is prevented by identifying an application programming interface allowing operations to be performed on the remote database, and using that API to transfer the first value so as to be associated with one or more other identifiers unknown to the second entity. After modification of the first value stored by the second entity is prevented, a transfer of a second value to a database record associated with the second entity is triggered. Related systems and applications of the method and those systems are also disclosed.

Disclosed herein are system, method, and computer program product embodiments for generating and displaying virtual number information using augmented reality technology. Interaction with virtual number information may be provided via an augmented reality display in relation to a payment object that is detected within a real-time view of an augmented reality application. Exemplary operations of the augmented reality application include providing a real-time view via the mobile device, processing a payment object shown via the real-time view, generating a virtual number based on processing of the payment object, and utilizing the generated virtual number.

A method of performing a point of sale (POS) payment transaction at a merchant location, the method including, in one or more electronic processing devices: (a) receiving a transaction request including an indication of a transaction identifier from the user device; (b) retrieving an indication of payment information from a merchant system using the transaction identifier; (c) requesting user account information from the user device; (d) receiving the user account information in response to user input; and (e) initiating payment authorization with a payment processing system using the payment information and user account information to enable the payment transaction to be performed.

A method for contactless payment is disclosed. The method comprises, at a point of sale, initiating payment by transmitting a token from a first device to a second device using a speaker associated with a first device, and a microphone associated with the second device; transmitting the token from the second device to a payment server; authenticating the token by the payment server; and upon successful authentication of the token, determining with a payment server whether the authorize of the payment.

Provided is a method for issuing single-use and multiple-use digital currency via a mobile and wearable device. The method may include receiving a currency issuance request from a user, prompting the user to enter a user authentication information, accessing a user account maintained by a currency issuer, generating the digital currency based on payment data of the user account, and providing the digital currency to the mobile and wearable device. The method may continue with receiving a transaction request from a merchant and matching merchant identification data provided by the user in the currency issuance request and merchant identification data provide by the merchant. If the match of the merchant identification data is determined, the method may continue with authorizing a payment transaction by transferring a payment amount from the digital currency to a merchant account associated with the merchant.

Embodiments include multi-function electronic payment card and device systems 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 card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card 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.