Anupam Pahuja

Systems, methods, and computer program products are disclosed for dynamically charging an internal battery of a smart card from an interface device (such as a terminal) so that the battery life may be extended. A smart card device detects that it has interfaced with an interface device and that voltage is now being provided to the smart card device. The smart card device may divert some or most of the current being provided with the voltage to charge an internal battery of the smart card… Show more

Systems, methods, and computer program products are disclosed for dynamically charging an internal battery of a smart card from an interface device (such as a terminal) so that the battery life may be extended. A smart card device detects that it has interfaced with an interface device and that voltage is now being provided to the smart card device. The smart card device may divert some or most of the current being provided with the voltage to charge an internal battery of the smart card device, either concurrent to other communications between the smart card device and the interface device or before/after relevant communications are completed. As a result, the use of a smart card device contributes to the charge of the smart card device's internal battery, instead of draining it. Show less

A payment card may include a read sensor configured to detect a reading of the payment card by a card reader. In particular, the payment card may include a controller or a processor configured to count a number of times the payment card is read by other card readers. The payment card may implement card security measures based on the number of reads detected by the read sensor. The payment card may further include a magnetic stripe emulator configured to emulate signal patterns of a magnetic… Show more

A payment card may include a read sensor configured to detect a reading of the payment card by a card reader. In particular, the payment card may include a controller or a processor configured to count a number of times the payment card is read by other card readers. The payment card may implement card security measures based on the number of reads detected by the read sensor. The payment card may further include a magnetic stripe emulator configured to emulate signal patterns of a magnetic stripe when the magnetic stripe is read by a card reader. The controller may disable the magnetic stripe emulator when the number of reads detected by the read sensor exceeds a predetermined number. Show less

In an embodiment, a method includes receiving, by an electronic processor of a smart card device, user inputs including unique user authentication information. Also, it includes storing transaction instrument information associated with transaction instrument(s). It also includes presenting transaction instrument information associated with each transaction instrument(s). The method also includes receiving a user input selecting a transaction instrument for use in connection with a transaction.… Show more

In an embodiment, a method includes receiving, by an electronic processor of a smart card device, user inputs including unique user authentication information. Also, it includes storing transaction instrument information associated with transaction instrument(s). It also includes presenting transaction instrument information associated with each transaction instrument(s). The method also includes receiving a user input selecting a transaction instrument for use in connection with a transaction. It further includes determining the selected transaction instrument based at least in part on the user inputs. It also includes encoding the transaction instrument information associated with the transaction instrument selected by the user. And it includes providing the transaction instrument information associated with the selected transaction instrument for use in connection with the transaction. In various embodiments, the electronic processor may control a component, for example a programmable magnetic strip or EMV chip, for encoding, in real time, parameter(s) of a user-selected transaction instrument. Show less

A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may… Show more

A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check the customer in at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity. Show less