US Patent 10990961 Payment using a smart card and identification from the cloud

Systems and methods for payment using smart payment cards and identifying a payment recipient's financial institution through cloud-based applications are provided. The systems and methods may include a smart payment card including a touchscreen and internet connectivity capabilities. The smart payment card, after authenticating a user, may connect to a cloud-based application and determine, for a recipient chosen by the user, the recipient's bank account information. The smart payment card, after approval from the user, may then direct a payment to the recipient.