The invention relates to a method for enrolling and authenticating a bank's cardholder to a service provided by a service provider, characterized in that it comprises: a. receiving an identification cardholder data (ID) by a first channel; b. double-checking the identity of said cardholder by a second channel.

Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API. The process also includes receiving, by the digital card asset service computer from the issuer device, digital payment card product characteristics data responsive to at least one digital payment card product characteristic query, transmitting computer executable instructions to the issuer device for rendering an image of a payment card on a display screen of the issuer device as the user inputs data, then receiving an indication that the user is finished inputting data, and lastly storing a payment card product data file that includes card art data and payment card product characteristics data to a cloud service.

Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card. The transaction card including the characteristics are used to perform transactions, such as those performed at Point-of-Sale (POS) terminals.

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.

A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient.

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 sub -sequently 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 method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

Particular embodiments receive, by a payment service and via a first user device associated with a first user, a request to create an account with a payment service associated with the payment service. The payment service dynamically selects, based on user data associated with the first user, a primary onboarding flow or a secondary onboarding flow for creating a new account for the first user. Based on a determination by the payment service that the first user is not authorized for a new primary account via the primary onboarding flow, the payment service initializes the secondary onboarding flow to create a new secondary account for the first user. The new secondary account is associated with a different set of payment functionalities than primary accounts and the new secondary account requires authorization from a primary account associated with a second user.