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.

A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.

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.

A structure of a multipurpose card having a semi-transparent or transparent stone is provided. The stone is a faceted precious stone, such as a diamond. The diamond is illuminated from only one side of the multipurpose card and light is passed through predetermined optical paths. An image of the diamond is acquired from the opposite side of the multipurpose card and compared to predetermined reference images of the diamond, to authenticate the multipurpose card.

A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.

Authenticating a device using processing circuitry that generates fingerprints based on states of a plurality of nodes that are coupled to a plurality of circuits. A first fingerprint is generated at a first time based on first states of the plurality of nodes. A second fingerprint is generated at a second time based on second states of the plurality of nodes, the first fingerprint influencing the second states. Electronic data is obtained from the device to be authenticated. The electronic data is compared with a fingerprint generated and a determination whether to authorize operation of the device is made based on a result of the comparison.

A method of protecting transactions in a card processing system from fraud comprises issuing a payment card having a first PAN number, a second PAN number and at least one of a magnetic strip or a smart chip. The first PAN number is encoded in machine readable language on each of the at least one of the magnetic strip or the smart chip and not displayed in human readable form on the payment card. The second PAN number is displayed in human readable form on the payment card and is not encoded in machine readable language on either of the at least one of the magnetic strip or the smart chip. The first PAN number is valid in the card processing system only for card-must-be-present transactions and the second PAN number is valid in the card processing system only for card-not-present transactions.

In various some embodiments a cellular card includes at least one microprocessor. The cellular card is equipped with multiple devices and configured with multiple functionalities to deter use of the cellular card in unsecure or fraudulent transactions. In various embodiments, the cellular card overcomes drawbacks often associated with cards containing batteries such as battery overheating, battery short life time, battery underperformance in extreme temperatures, and other types of drawbacks associated with batteries contained in cards.

A transaction chip can exchange information with a chip card during a payment transaction. The transaction chip can incorporate a processing unit, a memory device, a contact interface and power and communication circuitry. The transaction chip can acquire payment information from the chip card when the EMV chip of the chip card is interfaced with the power and communication circuitry of the transaction chip via the contact interface. The transaction chip can also process the acquired payment information and transmit the processed payment information to a point-of-sale application of a merchant device via a wireless

Various embodiments each include at least one of systems, devices, methods, and software for cross-channel security authentication, such as with regard to providing of payment card (e.g., credit and debit card) data for payment within a transaction. One such embodiment, in the form of a method includes receiving, by a payment account app on a mobile device, a payment authorization request and subsequently receiving approval or denial input within the payment account app following receipt of valid payment account authentication input. This method, following receipt of approval input, further includes generating authorized payment output to provide in response to the received payment authorization request.