A method and device for digital payment transactions is provided. A method for encoding data for use in a digital payment transaction between a cardholder and a merchant includes generating, by a cardholder electronic device, dynamic magnetic stripe data associated with a digital payment card of a digital wallet application stored in a data storage module of the cardholder electronic device, retrieving merchant-related data stored in the data storage module of the cardholder electronic device, and encoding, by the cardholder electronic device, the generated dynamic magnetic stripe data and the retrieved merchant-related data in a machine-readable visual code for use in the digital payment transaction.

A circuit board that includes OLED display technology is provided. An OLED display may present light patterns recognizable by a hearing or visually impaired users. The light pattern may be customized by the user. A specific workflow may be associated with a specific light pattern. A light pattern may visually guide a user through a workflow. For example, different menu options may be color coded. High consequence changes may flash with a certain light sequence or pattern. Trusted devices may present a specific light pattern or matrix at login time to confirm that the user is accessing a trusted device.

A data security system is disclosed. The data security system includes a portable device with an interaction channel code. A user may capture an image of the portable device and the interaction channel code, and the captured image may be converted to image data. The image data may be provided to a remote server computer, which may validate the interaction channel code, and confirm that the transaction being conducted is associated with that interaction channel code.

A communication device may receive input from a user and initiate generation of an interaction token in response. This interaction token can be used by the communication device in order search for a specific resource provider computer from among one or more resource provider computers, and to initiate a resource transfer between the user and a specific resource provider, mediated by a token provider computer.

Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.

A user may request receipts near a current location of the user or a desired location specified by the user. Once a location or address is determined or obtained, a service provider can access a database or other storage to search for receipts for the user within a certain distance from the current user location or desired location. This distance can vary based on results found or density of merchants in the area. The distance can be predetermined by the system or the user. All valid receipts within this distance can then be presented to the user on the user device, such as indications on a map, associated with merchant names and transaction details or summaries, and/or other formats and information.

Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

A method includes: receiving, by a server from a user device of a user, a message indicating a forgotten password of an online account of the user; verifying, by the server, at least one contactless card associated with the online account; transmitting, by the server to the user device, a first notification requesting the user to tap the at least one contactless card to the user device; receiving, by the server from the user device, a generated cryptogram, wherein the generated cryptogram is generated by the at least one contactless card; comparing, by the server, the generated cryptogram with a stored cryptogram associated with the at least one contactless card; and in response to a determination that the generated cryptogram matches the stored cryptogram, transmitting, by the server to the user device, a second notification indicating the user is authenticated to perform an action related to the forgotten password.

Methods and systems for generating on-demand payment instruments are described. A user with a user payment account may perform a transaction with a user device and request an on-demand payment instrument. The request may be communicated to a transaction device. The transaction device may authenticate the request and associate an on-demand payment instrument to the user payment account. Information associated with the on-demand payment instrument information may then be tokenized and communicated to the user device, the merchant, or another party and the information may be entered and/or processed for the transaction.

Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving an authentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.