Apparatus, system, and method for non-visual payment authentication

Abstract

Provided herein is a payment device including a substrate having a first surface and a second surface, a plurality of input devices arranged on at least one of the first surface and second surface, each input of the plurality of input devices corresponding to a different variable, a data element including account data arranged on at least one of the first surface and second surface, a communication device arranged on or in the substrate, and at least one processor arranged on or in the substrate and in communication with each of the plurality of input devices, the at least one processor configured to communicate, using the communication device, a user input received through at least a subset of input devices of the plurality of input devices.

Description

APPARATUS, SYSTEM, AND METHOD FOR NON-VISUAL PAYMENT AUTHENTICATIONBACKGROUNDField

[0001] This disclosure relates generally to payment devices and methods of using the same, and particularly an apparatus, system, and method for non-visual payment authentication using a payment device.Technical Considerations

[0002] In some scenarios, transactions at a point-of-sale (POS) device require a card holder to manually enter account information, such as a personal identification number (PIN), into the POS device in order to complete the transaction. Manual entry into the POS device opens an opportunity for fraudsters to obtain account information from the cardholder. This concern may be particularly acute with regard to visually- impaired cardholders, for which additional time may be required to enter account information into the POS device. Accordingly, there is a need in the art for devices and methods that can allow for increased security during transactions conducted through POS devices.SUMMARY

[0003] Accordingly, it is an object of the present disclosure to provide devices and methods for conducting transactions through a point-of-sale device that overcome some or all of the deficiencies identified above.

[0004] Provided herein is a payment device including a substrate having a first surface and a second surface, a plurality of input devices arranged on at least one of the first surface and second surface, each input of the plurality of input devices corresponding to a different variable, a data element including account data arranged on at least one of the first surface and second surface, a communication device arranged on or in the substrate, and at least one processor arranged on or in the substrate and in communication with each of the plurality of input devices, the at least one processor configured to communicate, using the communication device, a user input received through at least a subset of input devices of the plurality of input devices.

[0005] Also provided herein is a computer-implemented method of completing a transaction at a point-of-sale (POS) device with a payment device as described herein, the payment device including a substrate having a first surface and a second surface, a plurality of input devices arranged on at least one of the first surface and second surface, each input of the plurality of input devices corresponding to a different variable, a data element including account data arranged on at least one of the first surface and second surface, a communication device arranged on or in the substrate, and at least one processor arranged on or in the substrate and in communication with each of the plurality of input devices, the at least one processor configured to communicate, using the communication device, a user input received through at least a subset of input devices of the plurality of input devices. The method includes steps of receiving, with the communication device and from the POS device, a radio frequency signal sufficient to provide power to the at least one processor, receiving, with the at least one processor and through at least one of the plurality of input devices, a user input received through at least a subset of input devices of the plurality of input devices, and transmitting, with the processor and through the communication device, the user input to the POS device.

[0006] Other non-limiting embodiments or aspects will be set forth in the following numbered clauses:

[0007] Clause 1. A payment device comprising: a substrate having a first surface and a second surface; a plurality of input devices arranged on at least one of the first surface and second surface, each input of the plurality of input devices corresponding to a different variable; a data element comprising account data arranged on at least one of the first surface and second surface; a communication device arranged on or in the substrate; and at least one processor arranged on or in the substrate and in communication with each of the plurality of input devices, the at least one processor configured to communicate, using the communication device, a user input received through at least a subset of input devices of the plurality of input devices.

[0008] Clause 2. The payment device of clause 1 , wherein the plurality of input devices comprises raised indicia.

[0009] Clause 3. The payment device of clause 1 or clause 2, wherein each of the plurality of input devices comprises a different raised indicia.

[0010] Clause 4. The payment device of any of clauses 1 -3, wherein each of the plurality of input devices comprises a manually-actuable button.

[0011] Clause 5. The payment device of any of clauses 1 -4, wherein each of the input devices comprises a capacitive sensor.

[0012] Clause 6. The payment device of any of clauses 1 -5, wherein the communication device is a near-field communication (NFC) device.

[0013] Clause 7. The payment device of any of clauses 1 -6, wherein the payment device does not include a power source.

[0014] Clause 8. The payment device of any of clauses 1 -7, wherein the plurality of input devices and the data element are arranged on the first surface.

[0015] Clause 9. The payment device of any of clauses 1 -8, wherein the at least one processor is arranged in the substrate.

[0016] Clause 10. The payment device of any of clauses 1 -9, wherein the substrate is rectangular.

[0017] Clause 11 . The payment device of any of clauses 1 -10, further comprising an integrated circuit chip received on or in the substrate.

[0018] Clause 12. A computer-implemented method of completing a transaction at a point-of-sale (PCS) device, comprising: providing a payment device comprising: a substrate having a first surface and a second surface; a plurality of input devices arranged on at least one of the first surface and second surface, each input of the plurality of input devices corresponding to a different variable; a data element comprising account data arranged on at least one of the first surface and second surface; a communication device arranged on or in the substrate; and at least one processor arranged on or in the substrate and in communication with each of the plurality of input devices; receiving, with the communication device and from the POS device, a radio frequency signal sufficient to provide power to the at least one processor; receiving, with the at least one processor and through the plurality of input devices, a user input received through at least a subset of input devices of the plurality of input devices; and transmitting, with the processor and through the communication device, the user input to the POS device.

[0019] Clause 13. The computer-implemented method of clause 12, wherein transmitting the user input to the POS device comprises transmitting each user input upon receipt by the processor.

[0020] Clause 14. The computer-implemented method of clause 12 or clause 13, wherein transmitting the user input to the POS device comprises transmitting the user input following receipt by the processor of a predetermined number of user inputs.

[0021] Clause 15. The computer-implemented method of any of clauses 12-14, wherein the communication device receives a request for the user input from the POS device.

[0022] Clause 16. The computer-implemented method of any of clauses 12-15, wherein the communication device is an NFC device.

[0023] Clause 17. The computer-implemented method of any of clauses 12-16, wherein the plurality of input devices of the payment device comprises raised indicia.

[0024] Clause 18. The computer-implemented method of any of clauses 12-17, wherein each of the plurality of input devices of the payment device comprises a different raised indicia.

[0025] Clause 19. The computer-implemented method of any of clauses 12-18, wherein each of the plurality of input devices of the payment device comprises a manually-actuable button.

[0026] Clause 20. The computer-implemented method of any of clauses 12-19, wherein each of the plurality of input devices of the payment device comprises a capacitive sensor.BRIEF DESCRIPTION OF THE DRAWINGS

[0027] FIG. 1 depicts a payment device according to some non-limiting embodiments as described herein;

[0028] FIG. 2 is a diagram of an exemplary environment in which methods according to some non-limiting embodiments described herein may be implemented; and

[0029] FIG. 3 is a schematic diagram of example components of one or more devices of FIG. 1 and / or FIG. 2, according to some non-limiting embodiments as described herein.DESCRIPTION

[0030] For purposes of the description hereinafter, the terms “end,” “upper,” “lower,” “right,” “left,” “vertical,” “horizontal,” “top,” “bottom,” “lateral,” “longitudinal,” and derivatives thereof shall relate to the embodiments as they are oriented in the drawing figures. However, it is to be understood that the embodiments may assume various alternative variations and step sequences, except where expressly specified to the contrary. It is also to be understood that the specific devices and processes illustratedin the attached drawings, and described in the following specification, are simply exemplary embodiments or aspects. Hence, specific dimensions and other physical characteristics related to the embodiments or aspects disclosed herein are not to be considered as limiting, unless otherwise explicitly described as such.

[0031] As used herein, the term “account identifier” may include one or more primary account numbers (PANs), tokens, or other identifiers associated with a customer account. The term “token” may refer to an identifier that is used as a substitute or replacement identifier for an original account identifier, such as a PAN. Account identifiers may be alphanumeric or any combination of characters and / or symbols. Tokens may be associated with a PAN or other original account identifier in one or more data structures (e.g., one or more databases, and / or the like) such that they may be used to conduct a transaction without directly using the original account identifier. In some examples, an original account identifier, such as a PAN, may be associated with a plurality of tokens for different individuals or purposes.

[0032] As used herein, the term “communication” may refer to the reception, receipt, transmission, transfer, provision, and / or the like of data (e.g., information, signals, messages, instructions, commands, and / or the like). For one unit (e.g., a device, a system, a component of a device or system, combinations thereof, and / or the like) to be in communication with another unit means that the one unit is able to directly or indirectly receive information from and / or transmit information to the other unit. This may refer to a direct or indirect connection (e.g., a direct communication connection, an indirect communication connection, and / or the like) that is wired and / or wireless in nature. Additionally, two units may be in communication with each other even though the information transmitted may be modified, processed, relayed, and / or routed between the first and second units. For example, a first unit may be in communication with a second unit even though the first unit passively receives information and does not actively transmit information to the second unit. As another example, a first unit may be in communication with a second unit if at least one intermediary unit processes information received from the first unit and communicates the processed information to the second unit.

[0033] As used herein, the term “computing device” may refer to one or more electronic devices configured to process data. A computing device may, in some examples, include the necessary components to receive, process, and output data, such as a processor, a display, a memory, an input device, a network interface, and / orthe like. A computing device may be a mobile device. As an example, a mobile device may include a cellular phone (e.g., a smartphone or standard cellular phone), a portable computer, a wearable device (e.g., watches, glasses, lenses, clothing, and / or the like), a personal digital assistant (PDA), and / or other like devices. A computing device may also be a desktop computer or other form of non-mobile computer.

[0034] As used herein, the term "transaction service provider" may refer to an entity that receives transaction authorization requests from merchants or other entities and provides guarantees of payment, in some cases through an agreement between the transaction service provider and an issuer institution. For example, a transaction service provider may include a payment network such as Visa® or any other entity that processes transactions. The term “transaction service provider” includes "transaction processing system," which may refer to one or more computer systems operated by or on behalf of a transaction service provider, such as a transaction processing server executing one or more software applications. A transaction processing server may include at least one processor and, in some non-limiting embodiments or aspects, may be operated by or on behalf of a transaction service provider.

[0035] As used herein, the term “acquirer institution” may refer to an entity licensed and / or approved by a transaction service provider to originate transactions (e.g., payment transactions) using a payment device associated with the transaction service provider. The transactions the acquirer institution may originate may include payment transactions (e.g., purchases, original credit transactions (OCTs), account funding transactions (AFTs), and / or the like). In some non-limiting embodiments or aspects, an acquirer institution may be a financial institution, such as a bank. As used herein, the term “acquirer institution” includes “acquirer institution system,” which may refer to one or more computing devices operated by or on behalf of an acquirer institution, such as a server computer executing one or more software applications.

[0036] As used herein, the term “issuer institution” may refer to one or more entities, such as a bank, that provides accounts to customers for conducting payment transactions, such as initiating credit and / or debit payments. For example, an issuer institution may provide an account identifier, such as a primary account number (PAN), to a customer or appliance that uniquely identifies one or more accounts associated with that customer or appliance. The account identifier may be embodied on a physical financial instrument, such as a payment card, and / or may be electronic and used forelectronic payments. As used herein, the term “account identifier” may include one or more PANs, tokens, or other identifiers associated with a customer account. An account identifier may be directly or indirectly associated with an issuer institution, such that an account identifier may be a token that maps to a PAN or other type of account identifier. The term “token” may refer to an identifier that is used as a substitute or replacement identifier for an original account identifier, such as a PAN. Account identifiers may be alphanumeric or any combination of characters and / or symbols. Tokens may be associated with a PAN or other original account identifiers in one or more databases such that they can be used to conduct a transaction without directly using the original account identifier. In some examples, an original account identifier, such as a PAN, may be associated with a plurality of tokens for different individuals or purposes. An issuer institution may be associated with a bank identification number (BIN) or other unique identifier that uniquely identifies it among other issuer institutions. The terms “issuer institution,” “issuer bank,” and “issuer system” may also refer to one or more computer systems operated by or on behalf of an issuer institution, such as a server computer executing one or more software applications. For example, an issuer system may include one or more authorization servers for authorizing a payment transaction.

[0037] As used herein, the term “merchant” may refer to an individual or entity that provides goods and / or services, or access to goods and / or services, to customers based on a transaction, such as a payment transaction. The term “merchant” or “merchant system” may also refer to one or more computer systems operated by or on behalf of a merchant, such as a server computer executing one or more software applications.

[0038] As used herein, a “point-of-sale (POS) device” may refer to one or more devices, which may be used by a merchant to conduct a transaction (e.g., a payment transaction) and / or process a transaction. For example, a POS device may include one or more client devices. Additionally or alternatively, a POS device may include peripheral devices, card readers, scanning devices (e.g., code scanners), Bluetooth® communication receivers, near-field communication (NFC) receivers, radio frequency identification (RFID) receivers, and / or other contactless transceivers or receivers, contact-based receivers, payment terminals, and / or the like. As used herein, a “point- of-sale (POS) system” may refer to one or more client devices and / or peripheral devices used by a merchant to conduct a transaction. For example, a POS systemmay include one or more POS devices and / or other like devices that may be used to conduct a payment transaction. In some non-limiting embodiments or aspects, a POS system (e.g., a merchant POS system) may include one or more server computers programmed or configured to process online payment transactions through webpages, mobile applications, and / or the like.

[0039] As used herein, the term “payment device” may refer to a payment card (e.g., a credit or debit card), a gift card, a smartcard, smart media, a payroll card, a healthcare card, a wristband, a machine-readable medium containing account information, a keychain device or fob, an RFID transponder, a retailer discount or loyalty card, a cellular phone, an electronic wallet mobile application, a personal digital assistant (PDA), a pager, a security card, a computing device, an access card, a wireless terminal, a transponder, and / or the like. In some non-limiting embodiments or aspects, the payment device may include volatile or non-volatile memory to store information (e.g., an account identifier, a name of the account holder, and / or the like). In non-limiting embodiments, a payment device is a substrate, optionally a rectangular substrate. In non-limiting embodiments a payment device as described herein conforms to ISO / IEC 7810, optionally the ID-1 format. In non-limiting embodiments, payment devices as described herein may have dimensions of about 85.6 mm x 53.98 mm, optionally with rounded corners having a radius of about 2.88 to about 3.48 mm.

[0040] Reference to any component using the indefinite article “a” or the phrase “at least one” may refer to a previously-recited component recited as performing or being involved in a previous step or function, a different component, and / or a combination of components. For example, as used in the specification and the claims, a first processor or at least one processor that is recited as performing a first step or function may refer to the same or different processor recited as performing a second step or function.

[0041] Provided herein are payment devices for non-visual payment authentication using a payment device (e.g., for use by visually-impaired individuals or others), systems including payment devices, and methods for non-visual payment authentication using a payment device to allow visually-impaired individuals and others to more securely complete transactions. The devices described herein provide for increased security through use of at least one input device arranged on a surface of the payment device, which may allow a visually-impaired individual to enter personalaccount information, such as a PIN number, without a need to utilize a POS device to do so.

[0042] Turning to FIG. 1 , shown is a payment device 100 according to non-limiting embodiments or aspects. Payment device 100 includes a substrate 102, which may be in the form of any shape, orientation, or configuration. In non-limiting embodiments, for example, as shown in FIG. 1 , substrate 102 may be a rectangular card. In nonlimiting embodiments, substrate 102 conforms to ISO / IEC 7810, and may be the ID-1 format. In non-limiting embodiments, substrate 102 may have dimensions of about 85.6 mm x 53.98 mm, and may have rounded corners having a radius of about 2.88 to about 3.48 mm. In non-limiting embodiments, substrate 102 may define an interior in which one or more components as described herein may be received. Substrate 102 may be formed out of any suitable material, such as a plastic, metal, and / or combinations thereof. In non-limiting embodiments, substrate 102 is formed of a polymer including at least polyvinyl chloride acetate. In non-limiting embodiments, substrate 102 is formed of a metal, including one or more of stainless steel, aluminum, titanium, and combinations thereof.

[0043] With continuing reference to FIG. 1 , payment device 100 may include at least one input device 104a-j. At least one input device 104a-j may include a plurality of input devices, and may, independently of one another, include a capacitive sensor and / or a mechanical element that allows at least one input device 104a-j to function as a manually-actuable button. At least one input device 104a-j may include one or more raised indicia on a surface thereof. In non-limiting embodiments, raised indicia may be configured as a tactile reading system, such as Braille. In non-limiting embodiments, each of the at least one input device 104a-j may represent a single numeral, optionally each representing a distinct numeral, for example as shown in FIG. 1 . In some non-limiting embodiments, the raised indicia may serve as the input device 104a-j.

[0044] One or more of the at least one input device 104a-j may be in communication with at least one processor 106. In this way, when a user activates (e.g., selects, actuates, pushes, touches, and / or the like) one or more of the at least one input device 104a-j, a signal may be communicated from the activated at least one input device 104a-j to at least one processor 106. In non-limiting embodiments, each of the at least one input device 104a-j communicates a different signal to the at least one processor 106 to be analyzed by at least one processor 106, such that datarelating to the activated input device(s) 104a-j may be communicated to a POS device to conduct a transaction.

[0045] With continued reference to FIG. 1 , payment device 100 may further include at least one communication device 108, which may be in communication with the at least one processor 106. Communication device 108 may be configured to communicate data received from at least one processor 106 to a POS device. In nonlimiting embodiments, the at least one communication device 108 is a near-field communication (NFC) device. In non-limiting embodiments, the at least one communication device 108 is an NFC device configured to receive a radio frequency signal and to convert the radio frequency signal to power one or more components of payment device 100, such as at least one input device 104a-j, the at least one processor 106, and / or the at least one communication device 108. In non-limiting embodiments, such conversion may be accomplished through induction, such as but not limited to electromagnetic induction. In non-limiting embodiments, payment device 100 may not include an internal power source, and is only powered through an NFC signal or other wireless signal received by at least one communication device 108.

[0046] Payment device 100 may also include, in non-limiting embodiments, one or more additional components. In non-limiting embodiments, payment device 100 includes a data element 1 10. Data element 1 10 may include account data, such as an account identifier. In non-limiting embodiments, data element 110 includes a personal account number (PAN). In non-limiting embodiments, data element 1 10 is a magnetic stripe. In non-limiting embodiments, payment device 100 includes at least one chip (e.g., such as an integrated circuit). Such a chip may include account data, such as a PAN (e.g., a PAN associated with a payment device 100) and / or a token associated with such a PAN.

[0047] Any component of payment device 100 described herein (e.g., input devices 104a-j, the at least one processor 106, the at least one communication device 108, the at least one data element 1 10, and / or one or more chips) may be arranged on any surface of the substrate 102 and / or may be embedded and / or integrated at least partially within substrate 102. In non-limiting embodiments, the input devices 104a-j and the at least one data element 1 10 are arranged on the same surface of substrate 102. In non-limiting embodiments, the at least one processor 106 is received within substrate 102.

[0048] Turning to FIG. 2, shown is a system 200 including a payment device 202 as described herein, a POS device 206, a transaction service provider 210, and a network 208. While a transaction service provider 210 is exemplified in FIG. 2, those of skill will appreciate that a POS device may communicate a transaction request to an acquirer institution, issuer institution, and / or a transaction service provider. Components of system 200 may communicate through network 208, though in nonlimiting embodiments, POS device 206 communicates with payment device 202 through NFC or another wireless communication protocol, and with transaction service provider 210 through network 208 (e.g., a public or private network). In non-limiting embodiments, as a user of payment device 202 initiates a transaction and brings payment device 202 within range of a radio frequency signal emitted by POS device 206, a communication device included with payment device 202, as described herein, may receive a radio frequency signal from POS device 206, resulting in power being provided to components of payment device 202 as described herein. A user of payment device 202 may then be prompted to, through at least one input device of payment device 202, enter identifying information, for example a PIN number, by activating at least one of the input devices. Signals communicated by at least one input device may then be received by at least one processor of the payment device 202, and may in some examples be analyzed and / or converted by at least one processor to data relating to the activated input device(s). This data may then be communicated from at least one communication device included with payment device 202 to POS device 206. In some non-limiting embodiments, signals may be passed directly to the POS device 206 without being processed by the payment device 202.

[0049] With continuing reference to FIG. 2, POS device 206 may communicate the data relating to the activated input device(s), separately or together with account data such as a PAN and / or a token associated with the PAN, to transaction service provider 210, in order to validate the payment request and receive authorization to process the payment.

[0050] Referring now to FIG. 3, shown is a diagram of example components of a device 300 for carrying out steps of the methods described herein according to nonlimiting embodiments. Device 300 may correspond to a payment device, POS device, merchant system, server computer, transaction service provider system, payment gateway, acquirer institution system, user device, issuer system, and / or the like for carrying out the methods described herein. In some non-limiting embodiments, suchsystems or devices may include at least one device 300 and / or at least one component of device 300. The number and arrangement of components shown are provided as an example. In some non-limiting embodiments, device 300 may include additional components, fewer components, different components, or differently arranged components than those shown in FIG. 3. Additionally, or alternatively, a set of components (e.g., one or more components) of device 300 may perform one or more functions described as being performed by another set of components of device 300.

[0051] As shown in FIG. 3, device 300 may include a bus 302, a processor 304, memory 306, a storage component 308, an input component 310, an output component 312, and a communication interface 314. Bus 302 may include a component that permits communication among the components of device 300. In some non-limiting embodiments, processor 304 may be implemented in hardware, firmware, or a combination of hardware and software. For example, processor 304 may include a processor (e.g., a central processing unit (CPU), a graphics processing unit (GPU), an accelerated processing unit (APU), etc.), a microprocessor, a digital signal processor (DSP), and / or any processing component (e.g., a field-programmable gate array (FPGA), an application-specific integrated circuit (ASIC), etc.) that can be programmed to perform a function. Memory 306 may include random access memory (RAM), read only memory (ROM), and / or another type of dynamic or static storage device (e.g., flash memory, magnetic memory, optical memory, etc.) that stores information and / or instructions for use by processor 304.

[0052] With continued reference to FIG. 3, storage component 308 may store information and / or software related to the operation and use of device 300. For example, storage component 308 may include a hard disk (e.g., a magnetic disk, an optical disk, a magneto-optic disk, a solid state disk, etc.) and / or another type of computer-readable medium. Input component 310 may include a component that permits device 300 to receive information, such as via user input (e.g., a touch screen display, a keyboard, a keypad, a mouse, a button, a switch, a microphone, etc.). Additionally, or alternatively, input component 310 may include a sensor for sensing information (e.g., a global positioning system (GPS) component, an accelerometer, a gyroscope, an actuator, etc.). Output component 312 may include a component that provides output information from device 300 (e.g., a display, a speaker, one or more light-emitting diodes (LEDs), etc.). Communication interface 314 may include a transceiver-like component (e.g., a transceiver, a separate receiver and transmitter,etc.) that enables device 300 to communicate with other devices, such as via a wired connection, a wireless connection, or a combination of wired and wireless connections. Communication interface 314 may permit device 300 to receive information from another device and / or provide information to another device. For example, communication interface 314 may include an Ethernet interface, an optical interface, a coaxial interface, an infrared interface, a near-filed communication interface, a radio frequency (RF) interface, a universal serial bus (USB) interface, a Wi-Fi® interface, a cellular network interface, and / or the like.

[0053] Device 300 may perform one or more processes described herein. Device 300 may perform these processes based on processor 304 executing software instructions stored by a computer-readable medium, such as memory 306 and / or storage component 308. A computer-readable medium may include any non- transitory memory device. A memory device includes memory space located inside of a single physical storage device or memory space spread across multiple physical storage devices. Software instructions may be read into memory 306 and / or storage component 308 from another computer-readable medium or from another device via communication interface 314. When executed, software instructions stored in memory 306 and / or storage component 308 may cause processor 304 to perform one or more processes described herein. Additionally, or alternatively, hardwired circuitry may be used in place of or in combination with software instructions to perform one or more processes described herein. Thus, embodiments described herein are not limited to any specific combination of hardware circuitry and software. The term “programmed or configured,” as used herein, refers to an arrangement of software, hardware circuitry, or any combination thereof on one or more devices.

[0054] Although embodiments have been described in detail for the purpose of illustration, it is to be understood that such detail is solely for that purpose and that the disclosure is not limited to the disclosed embodiments or aspects, but, on the contrary, is intended to cover modifications and equivalent arrangements that are within the spirit and scope of the appended claims. For example, it is to be understood that the present disclosure contemplates that, to the extent possible, one or more features of any embodiment or aspect can be combined with one or more features of any other embodiment or aspect.

Claims

WHAT IS CLAIMED IS1 . A payment device comprising: a substrate having a first surface and a second surface; a plurality of input devices arranged on at least one of the first surface and second surface, each input of the plurality of input devices corresponding to a different variable; a data element comprising account data arranged on at least one of the first surface and second surface; a communication device arranged on or in the substrate; and at least one processor arranged on or in the substrate and in communication with each of the plurality of input devices, the at least one processor configured to communicate, using the communication device, a user input received through at least a subset of input devices of the plurality of input devices.

2. The payment device of claim 1 , wherein the plurality of input devices comprises raised indicia.

3. The payment device of claim 2, wherein each of the plurality of input devices comprises a different raised indicia.

4. The payment device of claim 1 , wherein each of the plurality of input devices comprises a manually-actuable button.

5. The payment device of claim 1 , wherein each of the input devices comprises a capacitive sensor.

6. The payment device of claim 1 , wherein the communication device is a near-field communication (NFC) device.

7. The payment device of claim 1 , wherein the payment device does not include a power source.

8. The payment device of claim 1 , wherein the plurality of input devices and the data element are arranged on the first surface.

9. The payment device of claim 1 , wherein the at least one processor is arranged in the substrate.

10. The payment device of claim 1 , wherein the substrate is rectangular.1 1 . The payment device of claim 1 , further comprising an integrated circuit chip received on or in the substrate.

12. A computer-implemented method of completing a transaction at a point-of-sale (POS) device, comprising: providing a payment device comprising: a substrate having a first surface and a second surface; a plurality of input devices arranged on at least one of the first surface and second surface, each input of the plurality of input devices corresponding to a different variable; a data element comprising account data arranged on at least one of the first surface and second surface; a communication device arranged on or in the substrate; and at least one processor arranged on or in the substrate and in communication with each of the plurality of input devices; receiving, with the communication device and from the POS device, a radio frequency signal sufficient to provide power to the at least one processor; receiving, with the at least one processor and through the plurality of input devices, a user input received through at least a subset of input devices of the plurality of input devices; and transmitting, with the processor and through the communication device, the user input to the POS device.

13. The computer-implemented method of claim 12, wherein transmitting the user input to the POS device comprises transmitting each user input upon receipt by the processor.

14. The computer-implemented method of claim 12, wherein transmitting the user input to the POS device comprises transmitting the user input following receipt by the processor of a predetermined number of user inputs.

15. The computer-implemented method of claim 12, wherein the communication device receives a request for the user input from the POS device.

16. The computer-implemented method of claim 12, wherein the communication device is an NFC device.

17. The computer-implemented method of claim 12, wherein the plurality of input devices of the payment device comprises raised indicia.

18. The computer-implemented method of claim 17, wherein each of the plurality of input devices of the payment device comprises a different raised indicia.

19. The computer-implemented method of claim 12, wherein each of the plurality of input devices of the payment device comprises a manually-actuable button.

20. The computer-implemented method of claim 12, wherein each of the plurality of input devices of the payment device comprises a capacitive sensor.

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