461results about "Acutation objects" patented technology

A lottery ticket vending machine configured to obtain code image data (such as bar code image data) from a leading lottery ticket in each of the lottery drawers in the lottery ticket vending machine, and use the code image data for activating or verifying activation of the lottery tickets loaded in the ticket drawers. This expedites the ticket loading process by eliminating the need for an operator to manually and / or separately scan a code (such as a bar code) for each ticket pack loaded into the ticket drawers.

A lottery ticket vending machine configured to obtain code image data (such as bar code image data) from a leading lottery ticket in each of the lottery drawers in the lottery ticket vending machine, and use the code image data for activating or verifying activation of the lottery tickets loaded in the ticket drawers. This expedites the ticket loading process by eliminating the need for an operator to manually and / or separately scan a code (such as a bar code) for each ticket pack loaded into the ticket drawers.

Implementations of this application provide a checkout device, a checkout assembly, and a checkout method. An example checkout device includes a housing, a display screen, and a Near Field Communication (NFC) module. The display screen is fastened to the housing, and is configured to display at least one of a to-be-paid amount of a product, payment method guidance, or a payment result. The NFC module is located in a space enclosed by the housing to be in close proximity to an electronic device to make an electronic payment. The display screen displays the payment method guidance to direct a consumer to quickly make an electronic payment. The display screen displays the to-be-paid amount of the product and the payment result.

An accessible card can provide access to an account. The account card can include sides and an identification embossing for providing access to an account. The sides can be connected to form a shape. The identification embossing can be associated with at least one side of the sides. The at least one side associated with the identification embossing can include a first thickness and an arrangement of one or more tactile features. The first thickness can be different than a second thickness associated with other sides of the sides. The arrangement may indicate, via tactile interaction, an identification of the account associated with the account card or a card type of the account card.

Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasingly common for users to have to wait in a queue to access an ATM. Systems and methods are provided for an ATM that pre-stages transactions by extracting account balance, account status, account fraud, and other necessary information from a plurality of smart cards, before a user begins interacting with the ATM. Information extracted from the plurality of smart cards may be transferred to the ATM wirelessly. Color changes may then be sent from the ATM to the plurality of smart cards. The color changes indicate whether the plurality of smart cards may transact with the ATM without any additional information, thereby improving the transaction processing efficiency of the plurality of smart cards and enhancing user satisfaction.

A prepaid card assembly that includes packaging and a prepaid card. The prepaid card is at least partially enclosed within the packaging. The prepaid card includes a barcode. The prepaid card is coupled to the packaging such that, upon removal of the prepaid card from the packaging, a portion of the barcode of the prepaid card remains coupled to the packaging to render the barcode of the prepaid card unscannable.

Systems and methods for generating a shared secret key for a transaction card are provided. An exemplary system can include: a transaction card including a card private key and a card public key derived from the card private key; a server including a server private key and a server public key derived from the server private key; and a user device. The user device can be configured to: open a communication field, read the card public key, transmit the card public key to the server, wherein the server generates a shared secret key from the card public key and the server private key, receive the server public key from the server, and transmit the server public key to the transaction card, wherein the card generates the same shared secret key from the server public key and the card private key.

A card reader (100) for reading a smart card (200), the card reader (100) comprising:an antenna (160) for making a wireless connection with a smart card; anda card detector, for determining a location of the smart card (200) relative to the antenna (160); andwherein the card reader (100) has a processor (180) configured to provide communication with the smart card and to allow or provide a first wireless communication when the card (200) is determined to be at a first location (110) of the card reader and to provide a second wireless communication when the card is determined to be at a second, different, location (120) of the card reader (100).

Implementations of this application provide a checkout device, a checkout assembly, and a checkout method. An example checkout device includes a housing, a display screen, and a Near Field Communication (NFC) module. The display screen is fastened to the housing, and is configured to display at least one of a to-be-paid amount of a product, payment method guidance, or a payment result. The NFC module is located in a space enclosed by the housing to be in close proximity to an electronic device to make an electronic payment. The display screen displays the payment method guidance to direct a consumer to quickly make an electronic payment. The display screen displays the to-be-paid amount of the product and the payment result.

Disclosed embodiments may include systems and methods for utilizing gesture-based transaction cards. Examples include: first, using a mobile device to preauthorize transaction cards to enter an unlocked state before making a purchase by making a gesture with the transaction card toward the mobile device. Second, using a first transaction card to change an authorization condition of a second transaction card associated with the same account by making a gesture from the first transaction card to the second transaction card. Third, using a first transaction card to distribute a predebited virtual card to the user device of a second user by making a gesture from the first transaction card to the user device of the second user. Additionally, the primary user may be able to upload new authorization conditions to the transaction card and control the system through a related mobile application on a connected mobile device.

A lottery ticket vending machine configured to obtain code image data (such as bar code image data) from a leading lottery ticket in each of the lottery drawers in the lottery ticket vending machine, and use the code image data for activating or verifying activation of the lottery tickets loaded in the ticket drawers. This expedites the ticket loading process by eliminating the need for an operator to manually and / or separately scan a code (such as a bar code) for each ticket pack loaded into the ticket drawers.

A method, a system, and a computer program product for providing a secure interface for execution of transactions. An audio signal receiving device detects and establishes a near-field communication (NFC) exchange communication link with a first device. The receiving device receives one or more signals from the first device. Each signal is responsive to one or more transmissions sent to the first device by a transceiver coil of the receiving device. Based on a determined signal strength of signals, the receiving device determines a first position of the first device in relation to the receiving device and generates one or more prompts to reposition the first device in relation to the receiving device from the first position to one or more second positions. At least one second position corresponds to a maximum signal strength of signals. The receiving device then extracts information from the first device.

Aspects of the disclosure relate to a payment device to detect real-time suspicious payment cards. Prior to a transaction, a payment device detects suspicious payment cards based on captured images of the payment card. An alert may be generated upon detection of any suspicious or fraudulent payment card. In some arrangements, institutions may share information regarding suspicious payment cards to prevent fraud. The payment device may utilize machine learning models or machine learning capabilities to detect suspicious payment cards. A characterization score may be generated and used to determine if a payment card is suspicious. The characterization scores may be updated based on different card issuer criteria and transaction use of each payment card.

An integrated selling system platform includes a point-of-sale application and middleware to perform global tokenization orchestration, that in combination, provide credit card reading device agnostic global token and provisioning operations. The middleware includes communication interfaces, each of which corresponds to a particular communication protocol. The middleware receives a token create request from the point of sale application and directly communicates, via one of the communication protocols, to a point-of-interaction payment device, to receive and securely encrypt the credit card number, then transmit that information to a hosted network token provisioning system to request a network token. Upon receiving the network token, the middleware communicates directly, via one or more protocols, to a global merchant tokenization host, to create a merchant specific token, to be returned by the middleware back to the point-of-sale client to use as a card-on-file payment method.

Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a purchase to be paid by credit and points may be earned for the purchase. A different manual input may, for example, cause a purchase to be paid by credit and points not be earned for the purchase in exchange for one or more chances to win a prize in a random lottery. An instant winner functionality may be provided on a card. For example, a card may randomly become an instant winner based on, for example, time and / or use.

A payment reader may have one or more cores that are capable of performing certain payment processing functions but not certain more processing-intensive payment processing functions. The payment reader may be designed to selectively allocate processing tasks to application layer cores located on a mobile device and / or a cloud-based device outside the payment reader, where the mobile device has more or different processing resources than the payment reader. The selective allocation may be made dynamically based on a measurement of conditions of the reader or the occurrence of an event (such as determining that the payment reader cannot process a transaction, determining that the payment reader does not have sufficient battery strength to process a transaction, or determining that there has been a tampering attempt at the payment reader). The payment reader also has a physical layer module that maintains its processing on the payment reader. By these means, processing related to payment transactions is performed on a hybrid system using resources local and remote to the payment reader.

A tracking system includes one or more processors configured to receive purchase data related to a purchase being attempted by a user, determine a purchase score for the purchase based on characteristics of one or more items of the purchase, and determine a change to an overall purchase score for the user that would occur upon completion of the purchase. The one or more processors are also configured to provide, prior to the completion of the purchase and via a purchase device of the user, an output that indicates the change.

A shopping cart includes a wagon configured to be pushed in a pushing direction and having a main receiving area; a handle bar coupled to the wagon and for pushing the wagon in the pushing direction. The handle bar comprises a mounting element; and a terminal coupled to the handle bar. The terminal includes a housing with mating portions coupled with the mounting element; a touchscreen to output information on a product and to receive user input related to a shopping process; an energy storage unit to supply the terminal with energy; a scanner element to scan a code related to the product; a camera to capture an image of the main receiving area when the terminal is coupled to the handle bar; and a processor to identify the product by the scanner element and to verify whether the identified product is visible in the image captured by the camera.

A system and method for processing digital payments using a smart chip payment acceptance module associated with an Internet of Things (IoT) or vending device via a virtual EMV terminal process for cloud-based digital payment transactions. A short-range communication channel is provided between a mobile user device and the payment acceptance module. The mobile user device includes a wallet application with an integrated merchant application used to create a payment transaction. An unlock device enables digital secure remote payments (DSRP). A smart chip server connected to a payment gateway can generate an encrypted proof of payment (POP) message indicating completion of the payment transaction. The user can complete the payment transaction using the integrated wallet application within the user device in an online or offline mode of the vend device for seamless interaction with the system by a new user as well as improved flexibility for merchants and consumers.

Disclosed embodiments may include systems and methods for utilizing gesture-based transaction cards. Examples include: first, using a mobile device to preauthorize transaction cards to enter an unlocked state before making a purchase by making a gesture with the transaction card toward the mobile device. Second, using a first transaction card to change an authorization condition of a second transaction card associated with the same account by making a gesture from the first transaction card to the second transaction card. Third, using a first transaction card to distribute a predebited virtual card to the user device of a second user by making a gesture from the first transaction card to the user device of the second user. Additionally, the primary user may be able to upload new authorization conditions to the transaction card and control the system through a related mobile application on a connected mobile device.

Methods and user interfaces for managing information on computer systems, including, in some embodiments, for managing display of user interface elements based on movement of the computer system, for requesting account information if an account is available, for provisioning an account onto a computer system if provisioning criteria are met, for associating a transfer amount with an account for use with selected transaction types, for displaying user interface elements corresponding to transaction types, for displaying user interface elements based on a quantity of transfer obligations, for entering a numeric digits of a numeric sequence based on a quantity of gestures, and / or for locking a computer system while entering a number sequence.

To provide systems and method for secure read-only authentication.SOLUTION: A system includes a user device, a transaction card, a network to facilitate communication among components of the system, and a service provider (SP) device. The SP device receives an authentication request from the user device, and acquires a permanent identifier associated with the transaction card, from a database. The SP device generates a temporary identifier associated with the transaction card, and encrypts the permanent identifier and the temporary identifier to generate an encrypted value. The SP device verifies a value expected for the encrypted value received from the user device. The SP device transmits an instruction to complete a transaction that requires authentication by a user to the user device.SELECTED DRAWING: Figure 4

An apparatus comprises a capacitive touch system. The capacitive touch system includes a touch controller, a touch sensor operably coupled to the touch controller, and a radio frequency (RF) identification (RFID) antenna operably coupled to the touch controller. The touch controller is to receive capacitance signals from the touch sensor; determine touch position data based, at least in part, on the capacitance signals; drive an RF signal to the RFID antenna for transmission of the RF signal from the RFID antenna, the RF signal to activate an RFID tag to produce a modulated RF signal modulated according to RFID data of the RFID tag; receive a demodulated signal indicating the RFID data, the demodulated signal demodulated from the modulated RF signal received from the RFID antenna; and detect the RFID data from the demodulated signal.

Provided is a lighting system, comprising a imaging housing. A support is provided inside the imaging housing for placing a bottle; a camera is provided above the support, and a imaging light source is provided on each of two sides of the camera; and a mirror baffle is provided at a position between the camera and the imaging light source for limiting and shielding marginal rays of the imaging light source at the side close to the camera from illuminating the bottle and thereby reflecting the said marginal rays to the sides of the camera, so as to prevent a shadow produced on the support by the illumination of the imaging light source on a boundary of the bottle body be captured by the camera. By providing two sets of imaging light sources and mirror baffles, shadows of rays illuminating the bottle cannot be captured by or reflected to the camera.

In a fingerprint enrollment method of a fingerprint smart card configured to communicate with a server and to enroll fingerprint information through a point of sale (POS) terminal, the method includes determining whether the fingerprint information is enrolled in the fingerprint smart card, performing a first authentication based on a user authenticator corresponding to the fingerprint smart card, in response to determining the fingerprint information is not enrolled in the fingerprint smart card, receiving the fingerprint information, in response to the first authentication being successfully completed, performing a second authentication based on the server and a personal identification number (PIN) code corresponding to the fingerprint smart card, storing the fingerprint information in the fingerprint smart card, in response to the second authentication being successfully completed, and omitting the first authentication and the second authentication in response to determining the fingerprint information is enrolled in the fingerprint smart card.

To provide a contactless card, a method and a system for modifying the operation of a secondary device including an automated teller machine.SOLUTION: A contactless card useful for adjusting the operation, configuration, and / or performance of a secondary device includes a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits the information in a format of an accommodation message to the secondary device after being placed in an NFC field generated by the secondary device. The contactless card may request an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. The contactless card may adjust accommodation information to be included in the accommodation message based on the authentication certificate received from the secondary device.SELECTED DRAWING: Figure 5

An electronic device is provided. The electronic device may include at least one electronic circuit configured to selectively provide at least one function, an interface configured to receive from a source external to the electronic device instructions including a device identification and at least one usage measurement parameter, and a secure element configured to receive the instructions from the interface, to process the instructions, and to modify the at least one function based on a processing result.

Disclosed is a system and method for authorising payment in in-person self-service environments such as vending machines or devices without in-person assistance, Internet of Everything (IoT) devices, in which payment is made contactlessly using mobile devices or cards known as "contactless" cards. The invention also relates to a system, a server and different elements of the self-service machine for carrying out the method. The system comprises a token server (5), a payment means network (6), and an in-person self-service device (1), which comprises a tokenisation module (2) and a communication module (3).