The present invention relates to a method for a secure transaction utilizing a portable radio communication device (10), wherein both parts in the secure transaction are protected against fraudulent actions, among other things by use of a common transaction identity on a predefined transaction server.

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 device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method. The device may provide information identifying a modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method.

In some implementations, a physical medium may include a radio frequency (RF) component and an integrated circuit (IC) chip component. The physical medium may be configured to detect, via the RF component, that the physical medium is within a communicative proximity of a first user device or a first medium associated with a first account. The physical medium may communicate, via the RF component, with the first user device or the first medium based on detecting that the physical medium is within the communicative proximity of the first user device or the first medium. The physical medium may configure the IC chip component to indicate that the physical medium is paired with the first account. The physical medium may transmit, via the RF component or the IC chip component and to a terminal, an indication that the physical medium is paired with the first account.

A donation facilitation system that can allow a donor, such as a customer, to challenge another entity, such as a provider, to make a provider contribution to a portfolio of charities set up by the donor upon, for example, the purchase of a good or service from the provider. The provided portfolio donation facilitation system can allow the other entity such as a provider to create its own provider portfolio of charities and make a provider contribution to a customer's portfolio of charities when at least one component of the provider's portfolio of charities matches at least one component of the customer's portfolio of charities.

A systems and method for reconfigurable and/or updatable lightweight electronic devices are disclosed for a computer system for facilitating financial transactions and reducing the opportunity for fraud. Via use of such a device, system, or method, various capabilities for a user are provided, simplified, secured, and/or made more convenient. The system may interact with various other devices or systems, including those that are cloud-based or communicate through the cloud, and may utilize various local sensors, in order to provide one or more of improved access, monitoring, user diagnostics, and so forth.

Techniques are provided for propagating updates to user profile information using a blockchain and for controlling access to user profile information using a blockchain. In one embodiment, a first block is added to a blockchain. The first block includes a first transaction ID that identifies a first transaction entry in the blockchain and a first version of user profile information encrypted using the first encryption key. The first transaction ID and a first decryption key that is able to decrypt information encrypted with the first encryption key is communicated to a plurality of entity computing devices that are to use the user profile information. The user profile information is updated by adding a second block to the blockchain that refers to the first transaction ID and includes a second version of the profile information encrypted using the first encryption key.

A system for image analysis for physical defect detection of a storage medium of a first card that comprises an apparatus configured to receive the storage medium of the first card and a first server configured to verify issuance of a second card. The apparatus comprises an optical sensor comprising a light transmitter, a receiver, and a first processor. The optical sensor is configured to produce a light to be directed to the storage medium and to determine that the storage medium comprises a physical defect with the first processor based at least in part upon processed electronic signals. The apparatus further comprises a second processor configured to display outputs requesting authorization to issue the second card. The first server is configured to verify issuance of the second card, wherein the first server is communicatively coupled to the apparatus.

The present disclosure relates to a method of amending a fingerprint template for a user of a smart card, where the user of the smart card is progressively enrolling based on comparison and/or using a separate credential such as a PIN code. The present disclosure also relates to a corresponding smart card and to a computer program product.

Systems and methods are provided for altering images associated with accounts, for use with digital wallets. One example computer-method includes receiving a request for an image associated with an account, informing an issuer of the account of the request, and receiving, from the issuer, an image and a base configuration ID for the account. The method also includes retrieving a base configuration profile for the account, creating a new configuration profile for the account, and returning, to the issuer, a new configuration ID for the new configuration profile. The method further includes receiving, from the issuer, in response to the new configuration ID, a token for the account, linking the token to the new configuration profile based on the new configuration ID, and pushing the image to an electronic device associated with the account thereby permitting the electronic device to display the image when the account is selected.