A computerized transaction card is provided and includes a plastic form factor resembling a credit card, the form factor including all or a combination of a magnetic stripe, a euro-pay master card and visa (EMV) chip, and or a near field communication (NFC) chip, a micro-controller powered by a rechargeable battery, at least one wireless chip set for sending and receiving data over a local wireless network; and, an interactive display screen for displaying information to a card operator.

Aspects of the invention relate to a smart card that leverages emerging technology hardware to enhance secure release of sensitive data associated with the smart card. The smart card may include an OLED display. The device may include one or more biometric sensors. Embodiments may include pairing a device with a portal used to access sensitive data. When accessing the portal, the user may be required to verify that the device is present before gaining access to the sensitive data.

A method and system for programming a smart card using multiple programming protocols in a single card programming station. The card can include at least two programmable chips, with each chip being programmed using a different programming protocol. Alternatively, the card can include a single programmable chip, and the chip is programmed using at least two programming protocols. The card can also include at least two programmable chips, with each chip being programmed using at least two programming protocols.

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.

An electronic money system terminates communication to a management center indistinguishably from a case in which the communication to the management center is completed within a predetermined period when it is impossible to complete the communication to the management center within the predetermined period. By switching an operation mode, a predetermined portable terminal is used instead of a communication line to upload and download data. When it is impossible to obtain data required for processing through the communication line, processing is performed based on data possessed up until that time.

The invention relates to an enabling card as well as a system and method for completing a financial transaction in a P.O.S. terminal comprising: a processor carried by the enabling card for: establishing a connection with a mobile device; receiving secure information from a mobile device and generating a digital signal; a coil carried by the enabling card for generating a magnetic field in response to the digital signal to simulate the swipe of card in the P.O.S. terminal and complete the financial transaction.

A batteryless payment device is disclosed. According to certain embodiments, the batteryless payment device may include a first communication system and a second communication system, the second communication system being a near-field-communication (NFC) system. The batteryless payment device may also include a power receiver coupled to the first communication system and configured to wirelessly receive power from an external device for powering the first communication system. The batteryless payment device may further include a controller configured to: when the first communication system is powered, establish, via the first communication system, a first wireless connection with a user device; receive, through the first wireless communication, a token from the user device; establish, via the second communication system, a second wireless connection with a payment terminal; and transmit, through the second wireless connection, the token to the payment terminal.

Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.

The present invention relates to a method which aims to improve data security in mobile payment transactions. To achieve this goal, we propose a highly secure method for transactions validation through video encryption and a new view of secrecy based on the combination of encrypted video (102, 203, 305) and a transparent safe card (110, 202, 307) with unique secret pattern (111, 308). This safe card (110, 202, 307) is shown as a translucent or transparent device capable of acting as “layer” or decoding mask using visual cryptography techniques. Additionally, it is proposed in one embodiment of the present invention a method for encryption of unencrypted video (602) through a frame analysis module (601) and a frame recomposition module (612).

A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.