A self-authenticating chip includes first and second memory regions storing, respectively, first and second authentication codes. The second memory region is adapted to be unreadable and unmodifiable by the chip or a chip reader. The chip also includes a comparator for providing an indicator of whether given input matches the second authentication code. The chip also includes an authentication circuit that is operable to read the first authentication code from the first memory region, present the first authentication code to the comparator, and in response to receiving an indicator from the comparator indicating that the first and second authentication codes match, unlock at least one of (i) a communication interface of the chip to allow data to be transmitted therethrough to a chip reader and (ii) a third memory region of the chip to allow data to be read therefrom.

Set of two or more dongles for providing a digital signature, wherein each dongle holds a secret key, wherein each dongle is configured to receive a message, to compute a digital signature of the received message using the secret key, and to transmit the computed digital signature, wherein at least one of the dongles is configured to, before computing the digital signature, verify the presence of at least one other dongle belonging to the set, and to compute the digital signature only upon successful verification of the presence of one or more other dongles.

A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. The second secure element comprises a second computer-readable medium having a security key, a payment instrument, stored authentication data and instructions for generating a secure payment information message responsive to the payment application. The secure payment information message comprises the payment instrument and is encrypted in accordance with the security key.

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.

Authentication system for enabling access or use includes a housing, a database of fingerprint and heartbeat data, a fingerprint sensor having a surface on an exterior of the housing onto which a person places their finger, and a heartbeat monitor that obtains data about presence of any heartbeat from a person whose fingers are placed onto the surface of the fingerprint sensor. A processor coupled to the fingerprint sensor, heartbeat monitor and database operatively compares the obtained fingerprint and heartbeat shape derived from heartbeat data to corresponding fingerprint and heartbeat shape data to determine whether the fingerprint and heartbeat shape data are indicative of a person authorized for access or use. Only if both the fingerprint and heartbeat shape data are indicative of the same person authorized for access or use, the processor authorizes access or use, e.g., to a cellphone, of a payment card, and to an access-controlled structure.

The present invention is related to virtual sales, payment and reporting method and an e-cash register pos system which operates in compliance with said method which can be used in all kinds of stores that can be reached via the internet, or any kind of devices such as telephones, smart devices, smart kiosks, etc, which enables the purchasing of all kinds of goods and services by means of any kind of electronic medium; which provides the financial recording of said purchases, generation of sales receipts of invoices for said purchases, being able to receive payment of said goods services by the cash register pos, and transferring if necessary the above mentioned information to the related organizations or institutions.

An EMV enabled terminal may communicate transaction related information to a user via a standard user interface of the terminal, for example, within a user interface displayed on a display screen of the terminal. The transaction related information may be spoken out loud to the user by the terminal. However, users with visual, audio, or other physical impairments may be unable to access the display of the terminal, view the displayed information, or hear the spoken information. Systems and methods disclosed herein communicate transaction related information via an alternate user interface. Instead of relying on the standard user interface related communications, information about the status of a transaction or transaction related information may be determined based on monitoring and evaluating the communications between an EMV secure element of a dynamic transaction card and the terminal via a contact connection.

A transaction card comprises a piezoelectric chip configured to detect an impact applied to at least a portion of the transaction card, and generate an electrical pulse signal based on the detected impact. A processing circuitry of the transaction card is coupled to the piezoelectric chip. The processing circuitry, upon powering on, is configured to enable data exchange between the transaction card and a terminal device for executing a card-based transaction at the terminal device. The data exchange is enabled only when a magnitude of the electrical pulse signal exceeds a threshold value, thereby preventing unwanted data transfer from the transaction card.

A dual interface smart card having a smart card body, a contact-based interface for contact-based communications, a first security chip which is arranged in the smart card body and is electrically conductively coupled to the contact-based interface, a fingerprint sensor arranged in the smart card body, a second security chip, which is coupled to the fingerprint sensor and is configured to carry out a fingerprint verification by means of fingerprint signals detected by the fingerprint sensor, and an antenna coupled to the second security chip.

A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.