A dynamic transaction card including: one or more light emitting elements; a transceiver; and an embedded microprocessor configured to: receive, from a transaction terminal, a location information corresponding to a current location of the transaction terminal; wirelessly transmit, via the transceiver and to a mobile device, the location information; receive an indication that a location-specific security concern exists; and in response to receiving the indication, control the one or more light emitting elements to display a visual indication corresponding to the location-specific security concern.

A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is configured to receive a transaction request associated with a payment card. The transaction request includes a transaction amount. The processing circuit is further configured to determine that the transaction amount would cause a violation of a daily spending limit associated with the payment card. The payment card includes a smart chip. The processing circuit is additionally configured to apply an adaptive daily spending limit (ADSL) override of the daily spending limit based at least in part on a determination that the transaction request originated from the payment card having the smart chip, and approve the transaction request based on the ADSL application.

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 electronic device includes a display; a plurality of communication circuits; at least one memory configured to store instructions; and at least one processor configured to execute the instructions to: receive a first user input requesting use of a service provided via a user authentication based at least in part on interworking with an external electronic device, based on receiving of the first user input, identify a context of the electronic device by using at least one of the plurality of communication circuits, identify a first authentication scheme corresponding to the context from a plurality of authentication schemes registered with respect to the service for user authentication, control the display to display a first visual object indicating the first authentication scheme to authenticate a user of the service, authenticate the user through the first authentication scheme based at least in part on at least one second user input received when the first visual object is displayed, and in response to the authentication of user, provide the service based at least in part on interworking with the external electronic device.

A sensor device for conducting electronic transactions from a vehicle including a housing including an RFID circuit operably connected to an RFID antenna, a short range communication device, the RFID circuit and short range communication device operably connected to a processor, and a power supply. The sensor device is wirelessly connectable to a mobile communication device via the Bluetooth chip and the mobile communication device runs a software application. The RFID antenna is adapted to receive a wireless signal from a transmitter. Responsive to the wireless signal, the processor causes the short range communication device to wirelessly communicate with the mobile communication device to initiate a transaction.

To perform resilient transaction processing, a computing device in a first geographic region receives a transaction from a user. The transaction requires a series of predetermined steps to process the transaction. The computing device assigns an idempotent identifier to the transaction, and performs the series of predetermined steps to process the transaction by including the idempotent identifier in each communication related to each of the predetermined steps. When one of the predetermined steps has previously been performed, the computing device prevents duplication of the predetermined step by verifying completion of the step for the idempotent identifier and obtaining an indication that the step has previously been performed. After a threshold time period has expired since the transaction was received, the computing device determines whether the series of predetermined steps have been completed, and logs the transaction in a cryptographic ledger for the first geographic region.

Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.

A method for managing and providing compensation between devices in order to encourage positive behavior is disclosed. The system is operable to receive a request for providing compensation to a user account and is further operable to fulfil the request, track the compensation transfer, and provide historical data of the transfer based on geographic location. The geographic locations preferably include multiple tiers of permissions that are managed by multiple governing entities.

A smart card with secure and efficient image capture and analysis is provided. The card may include a non-transitory memory embedded in the housing storing computer-executable instructions. The instructions, when run on the microprocessor, are configured to capture, via the camera, an image of a building (or other suitable image), process the image via an image processing module, determine, based at least in part on the processing of the image, a payment amount and a payment recipient associated with the building. The smart card may also display payment information on the display screen. The payment information may include the payment amount and/or the payment recipient. When authorization is received via a tactile sensor, the card may execute a payment or other communication, over a payment gateway from an account associated with a user of the platform to an account associated with the payment recipient.

Described herein are systems, methods, and apparatuses for performing a user-less payment for an item upon its delivery by an unmanned delivery vehicle. The unmanned delivery vehicle may navigate to a delivery location, receive payment information, initiate a payment transaction with a remote server, and release the item at a specified location upon successful completion of the payment transaction. Upon arrival of the unmanned delivery vehicle, a wireless data transmission device may send payment information to a remote server, and the remote server may provide the unmanned delivery vehicle with an indication of whether the item can be released and a specific location at which the item can be released.