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.

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

A method for registering and activating accounts includes: transmitting a first input from a user regarding opening an account at a financial institution; establishing a communication session based on exchanging encryption keys between the user device and the financial computing system; displaying a graphical user interface (GUI) comprising a request for a user verification; transmitting a received user verification to the financial computing system; updating the GUI to display a request to establish a personal identification number (PIN) for a physical payment card associated with the account; receiving the PIN from the user; transmitting a second input comprising the PIN and a request to provision the account to the user device; receiving a payment token associated with the account before the physical payment card associated with the account of the financial computing system is received by the user; and, storing the payment token for transactions via the user device.

A system and method that enables users to provide authenticated medical records (e.g., vaccination records, viral anti-body test results, etc.) to a third-party (e.g., a venue) to gain access to the third-party is provided. In this way, the third party may confirm that the user is sufficiently immune to a particular disease (e.g., COVID-19) and may thereby minimize the threat of the user introducing the contagious disease to the third party. The system includes a biometric data recognition system that authenticates the identity of a user, a medical records acquisition system that acquires the medical records of the authenticated user, and a system for the displaying or otherwise providing the medical records to the third-party for review. The system also includes a system identification card that includes the user's contact information, alphanumeric characters associated with the user's driver's license number, medical records of the user, and other elements.

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with data selected and transferred from the DAD to the DTC, wherein the DTPU is configured to enable data communication with a digital transaction device during a digital transaction, the DTPU operable to receive and execute one or more commands that emulate commands received from the digital transaction device.

A customizable payment device includes a storage having at least one application. A central processing unit (CPU) is coupled to the storage, and the CPU is configured to execute the at least one application. An input/output (I/O) interface is coupled to the CPU and to the storage. The at least one application comprises a multi-function payment application in which at least one payment function is limited in operation based on a particular product or service.

One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

A method for peer-to-peer prepaid card accounts can create a prepaid card that can receive donations through a QR code disposed on the physical card. Restrictions can also be placed on the card to control where or how the funds may be used. The method can, in response to receiving a request at a card management service to create an account, obtain account information, wherein the account information comprises a user name, an account number, a QR code image, and optionally a biometric data. The account information can be stored as a card account for the user, which is funded by receiving a payment from a second party using the QR code. Then, when a card holder uses the card for a transaction, the card management service can function as an issuer to authorize its use.

In some examples, a system and method for activating a physical payment card are described. The method includes receiving from a mobile device of a user a request for a physical payment card and first state data indicating a state of the mobile device or an application executing on the mobile device at a time of the request. The physical payment card is mailed to the user. The mobile device reads an identifier on a surface of the container via a sensor of the mobile device and sends the identifier data and a second state data from the time of the reading. The identifier data is compared to a user identifier in a customer profile of the user and the second state data is determined to correspond to the first state data. The physical payment card is then automatically activated.