Techniques described herein include a platform and process for provisioning user information onto a machine-to-machine device in order to enable the machine-to-machine device to conduct transactions utilizing the user information. In some embodiments, a user device is used to relay information between a machine-to-machine device and a provisioning service provider computer. In some embodiments, a machine-to-machine device is connected to the provisioning service provider computer via a network connection. Upon receiving a request to provision the machine-to-machine device, the service provider computer may identify the device from a device identifier. The service provider computer may generate an access credential or token for the machine-to-machine device. The access credential, token, and/or one or more policies may be provisioned onto the machine-to-machine device.

Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number (“PIN”). Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

Disclosed is a wearable badge (100) for holding an identification card (200). The badge (100) comprises a card holder (2) configured to removably hold an identification card (200), a first optical sensor (16) configured to measure an optical property of a first region (22) of a surface of the identification card (200) when removably held by the card holder (2), and a processor (20) configured to determine a type of the identification card (200) based on the measured optical property of the first region (22). Furthermore, a system is provided comprising the badge (100) and a set of identification cards (200), wherein at least some of the first regions (22) comprised by the set of identification cards (200) have different optical properties that encode different types of identification cards. Also disclosed is a method of determining a type of an identification card (200).

A system for processing electronic information is disclosed. The system includes a bracelet including a chip, a scannable code on the outer surface of the bracelet, and a PIN number on the inner surface of the bracelet. The system also includes a backend system for processing activation of the bracelet, for processing payments by a user of the bracelet, processing payroll payments to the user, processing access entry to a venue, or processing access to a cloud server. An interface is provided between the bracelet and the backend system. The interface receives data stored in the chip, the scannable code, or the PIN number.

A system and methods expedite and make secure payment data entry, and payment and authorization and authorization, for both in-store and online purchases. A mobile app, or widget or browser extension or installed service, on a mobile communication device, generates a barcode to be scanned at a point-of-sale terminal. Optional confirmation is sent to an app, or browser extension or widget or installed service, on a mobile or fixed communication device, to confirm a purchase. An independent app, or browser extension or widget or installed service, on a mobile or fixed communication device, generates a barcode that is sent directly to an online point-of-sale system. The method allows a purchaser to use the same app, or widget or browser extension or installed service, to purchase from any retailer with installed collaborating software.

A wearable accessory having an embedded processor in a substrate for creating a synchronously presented lighting effect at a controlled access venue and a method for creating a synchronously presented lighting effect at a controlled access venue while controlling access to the venue, simultaneously using a wearable accessory that coordinates with the performance allowing each audience member with a wearable accessory to synchronously perform with the performance.

An expenditure data system including a bonus server, a data server, a mobile communication device and a wearable device is provided. The bonus server may store the bonus point information. The data server generates special offering information according to the consumption report. The mobile communication device receives the bonus point information and the consumption report, and transmits the bonus point information and the consumption report to the bonus server and the data server, respectively. The mobile communication device also downloads the special offering information. The wearable device generates the consumption report in response to purchasing operation involving the wearable device, and generates the bonus point information according to the consumption report. The wearable device transmits the consumption report and the bonus point information to the mobile communication device, and analyzes the consumption report to generate and display an expenditure analysis.

A system to authenticate an entity and/or select details relative to an action or a financial account using biometric, behavior-metric, electronic-metric and/or knowledge-metric inputs. These inputs may comprise gestures, facial expressions, body movements, voice prints, sound excerpts, etc. Features are extracted from the inputs and each feature converted to a risk score, which is then translated to a representative value, such as a letter or a number, i.e., a code or PIN that represents the input. For user authentication, the code is compared with a data base of legitimate/authenticated codes. In some embodiments a user selects specific information elements, such as an account or a payment amount using one or more of a biometric, a behavior-metric, an electronic-metric and/or a knowledge-metric input.

A system, method and one or more wireless earpieces for authenticating a transaction utilizing one or more wireless earpieces. An indication that the transaction is pending is received by the one or more wireless earpieces. Biometric readings are performed for a user utilizing sensors of the one or more wireless earpieces. The biometric readings are analyzed to determine whether the user is authorized to perform the transaction. The transaction is authenticated in response to determining the biometric readings authorize the user to perform the transaction.

Systems and methods are described related to using flexible circuity in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.