Particular embodiments receive, by at least one computing device of a payment service, a request to configure a goal to associate with a user account of a user, where the goal is associated with a condition that, when satisfied, causes an incentive to be associated with the user account. The at least one computing device generates a data object for tracking completion of the goal, where the data object is stored in a datastore by the payment service. The at least one computing device monitors, in near-real-time, at least one of managed transaction data associated with users of the payment service or interaction data associated with the user. The at least one computing device determines, based at least in part on comparing at least one of the transaction data or the interaction data to at least the condition, satisfaction of the condition.

The subject technology provides a portion of the functionality of an application on an electronic device on which the application is not installed. The portion of the functionality of the application is provided by a clip of the application that can be obtained, installed, and launched on the user device, at the time the functionality is desired by a user, and without authenticating information for the user. The clip of the application can provide the user with access to a purchase function, an ordering function, or any other sub-function of the application. When the application itself is installed on the device, the clip of the application can be deleted while preserving access, by the application, to data generated on the device by the clip.

Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.

Methods and systems for managing a digital wallet are described, including registration of payment cards and use of such payment cards. The digital wallet may be integrated into a mobile application provided by a card issuer, with the digital wallet providing integration between the mobile application and a payment service provider that provides token-based payment systems for implementing virtual cards.

A method, a terminal, and a storage medium are provided for controlling a functional circuit. In the method, the terminal acquires sensor data information of a sensor. Further, the terminal wakes up the functional circuit in the terminal to receive an ultrasonic signal in response to determining that the acquired sensor data information meets a preset condition.

A management system of a computing device provides enhanced functionality via selectable icons (e.g., tiles), presented on a home screen, that may be overlaid to perform overlay operations such as data transfer, payment, and/or granting of certain authorizations or permissions. Users are able to more readily perform cross-application and/or cross-entity operations via, for example, the operating system of a computing device without needing to engage with as many entities (or applications thereof). Tile overlay operations may be managed and reviewed via an application.

The disclosed embodiments provide a payment card. The payment card may have a first face and a second face opposite the first. Additionally, the payment card may comprise a first smart chip, the first smart chip having contacts that are electronically accessible from the first face of the card. The payment card may further comprise a first antenna coupled to the first smart chip, the first antenna providing near-field contactless access to the first smart chip and a second smart chip, the second smart chip having contacts that are electronically accessible from the second face of the card. Additionally, the payment card may comprise a second antenna coupled to the second smart chip, the second antenna providing near-field contactless access to the second smart chip and an RF block that electronically isolates the first antenna and the second antenna from each other.

A method includes, at a computer system with a display, a housing, and an attachment mechanism, detecting attachment of an accessory to the computer system, where the accessory, while attached, has a predetermined orientation relative to the attachment mechanism, and in response to detecting the attachment of the accessory to the computer system in accordance with a determination that the accessory is a first accessory with first physical dimensions, displaying, on the display, a first visual indication that the accessory has been attached to the computer system, wherein the first visual indication indicates at least one property of the first physical dimensions, and in accordance with a determination that the accessory is a second accessory with second physical dimensions that are different from the first physical dimensions, displaying, on the display a second visual indication that the accessory has been attached to the computer system, wherein the second visual indication indicates at least one property of the second physical dimensions and the second visual indication is different from the first visual indication.

Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.

Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.