A client comprising an application for secure payment transactions is provided. The application runs on a personal mobile communication device and the client accesses a service provided by a server, which includes a payment gateway. Various security measures are included in the client-server communication related to executing payment transactions in a secure environment.

A method of network configuration of a personal identification number (PIN) pads includes receiving a request to upgrade a PIN pad from a merchant or an individual software vendor (ISV) to read microprocessor-enabled or contactless payment vehicles, retrieving a PIN pad configuration hash value from the PIN pad, obtaining current configuration using the hash value, sending instructions to the PIN pad to upgrade the PIN pad over a network if the PIN pad is capable of reading microprocessor-enabled or contactless payment vehicles, and downloading and installing drivers to enable PIN pad readers to read and process at least one of the microprocessor-enabled payment vehicles and contactless payment vehicles according to the instructions. The method further performs additional operations such as updating the PIN pad registry with the PIN pad configuration and enabling the PIN pad to read the microprocessor-enabled or contactless payment vehicles.

The present disclosure relates to an electronic device that is capable of multimodal biometric authentication and a method of controlling the electronic device.

A method for authenticating a transaction includes: receiving, by a transaction processing unit of a computing system, a request for a transaction on a user account; generating, by the transaction processing unit, a personal identification number (PIN) and/or alert message; transmitting the PIN to a mobile device associated with the user account after a person requesting the transaction refuses authentication by a PIN-to-device process; and cancelling, by the transaction processing unit, the transaction when a response to the PIN and/or alert message is received from the mobile device within a specified period of time.

Embodiments of the disclosure are directed to a touchless automatic food locker apparatus, system, and method providing automated self-serve food lockers. Embodiments include arrays of modular food lockers having a public access door and a kitchen access door opposed to each other, assembled as a wall between the public space and the kitchen. Each food locker kitchen access door is adapted to receive a food item disposed into the locker. Heating and cooling elements maintain the appropriate food item temperature in the locker. Sensors, lighting, and UV lighting coupled to the locker detects a state of the item in the locker. The locker further includes credentialed access by the customer to the food locker from the public access door by an assembly coupled to the food locker utilizing mobile communication and intelligent analysis to reduce waiting time, keep food products fresh, and assure quality product delivery.

A system is provided as a computer server platform and application programming software installed in primary devices of users for exchanging and trading digital asset securely and anonymously between two users of the system. The digital asset is registered under a device account of a primary device of a user with the system using a unique device account name. The system respects “privacy by design” in GDPR by using device account based-on anonymized data instead of personal account based-on personal data of prior art to ensure the system does not collect, store and process users' personal data in the course of device accounts' set-up and transactions of digital assets.

Systems and methods for kiosk or payment terminal-based touchless interactions using mobile electronic devices are disclosed. In one embodiment, at a cloud-based information processing apparatus comprising at least one computer processor, a method for interacting with a kiosk or payment terminal using a mobile electronic device may include: (1) receiving, from a mobile electronic device and at a uniform resource locator, a communication comprising an identifier for a kiosk or payment terminal comprising a screen; (2) receiving, from the mobile electronic device, touch data corresponding to user input to a touch-sensitive input on the mobile electronic device; and (3) communicating the touch data to the kiosk or payment terminal. The kiosk or payment terminal may graphically represent the touch data by moving a cursor on the screen.

Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).

A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. Upon receiving a request to provide cash redemption to a third party from a provider client terminal, the system may allocate an amount of cash to a temporary financial account and generate a temporary access code that may be used to access the cash in the temporary financial account. The system may transmit the temporary access code to a recipient client terminal and upon an ATM terminal's receipt of the input access code, the system may authorize the withdrawal of the amount of cash.

The present disclosure relates to a method for providing a payment agency service and a server using same, and a method for registering an authentication certificate, a method for providing a payment agency service, a card company server, and a payment agency server. The method comprises steps of a payment agency server: (a) delivering identity authentication information and a first push token ID delivered from a user terminal to a card company server; (b) delivering a successful authentication result to the user terminal to support generating and saving a public key and a private key of the user; and (c) managing the first push token ID or a second push token ID as an integrated push token ID when the first push token ID and the second push token ID match, and saving registration information including the integrated push token ID and the public key.