Authorizing a payment with a multi-function transaction card

1. A multi-function transaction card, comprising:

a card body having dimensions that are in accordance with a standard for transaction cards;

an output device on the card body;

a secure element within the card body;

one or more memories within the card body; and

one or more processors within the card body, wherein the one or more processors are communicatively coupled to the one or more memories, and wherein the one or more processors are configured to:

pair, via a wireless connection, the multi-function transaction card with a terminal;

receive, from the terminal, information associated with a transaction;

generate, based on the information associated with the transaction, and using a cryptographic key, an authorization request cryptogram (ARQC),

wherein the cryptographic key is stored in the secure element;

generate, based on the ARQC, an optical pattern including machine-readable code and a pattern of light,

wherein a first portion of the information is communicated via the machine-readable code, and

wherein a second portion of information is communicated via the pattern of light; and

display, using the output device, the optical pattern.

2. The multi-function transaction card of claim 1 , wherein the one or more processors are configured to, when receiving, from the terminal, the information associated with the transaction, receive, from the terminal, the information associated with the transaction via the wireless connection.

3. The multi-function transaction card of claim 1 , wherein the wireless connection comprises at least one of a Bluetooth connection or near-field communication connection.

4. The multi-function transaction card of claim 1 , wherein the information associated with the transaction comprises an amount of the transaction.

5. The multi-function transaction card of claim 1 , wherein the terminal comprises another multi-function transaction card, and

wherein the other multi-function transaction card comprises an image sensor for capturing an image of the machine-readable code.

6. The multi-function transaction card of claim 1 , wherein the output device comprises at least one of a dot matrix display, an electronic ink display, or a light-emitting-diode display.

7. The multi-function transaction card of claim 1 , wherein the machine-readable code comprises at least one of a Quick Response code, a matrix barcode, or a one-dimensional barcode.

8. A method, comprising:

receiving, by a multi-function transaction card and from a terminal, information associated with a transaction,

wherein the multi-function transaction card has dimensions that are in accordance with a standard for transaction cards;

generating, by the multi-function transaction card, based on the information associated with the transaction, and using a cryptographic key, an authorization request cryptogram (ARQC),

wherein the cryptographic key is stored in a secure element, and

wherein the multi-function transaction card comprises the secure element;

generating, by the multi-function transaction card and based on the ARQC, an optical pattern including machine-readable code and a pattern of light,

wherein a first portion of the information is communicated via the machine-readable code, and

wherein a second portion of the information is communicated via the pattern of light; and

outputting, by the multi-function transaction card and using an output device, the optical pattern.

9. The method of claim 8 , wherein receiving, from the terminal, the information associated with the transaction comprises receiving, from the terminal, the information associated with the transaction via a wireless connection.

10. The method of claim 9 , wherein the wireless connection comprises at least one of a Bluetooth connection or near-field communication connection.

11. The method of claim 8 , wherein the multi-function transaction card is a first multi-function transaction card,

wherein the terminal comprises a second multi-function transaction card, and

wherein the second multi-function transaction card comprises a sensor for receiving the optical pattern.

12. The method of claim 8 , wherein the terminal is a mobile device.

13. The method of claim 8 , wherein the optical pattern comprises a pulsed light pattern, and

wherein outputting the optical pattern comprises emitting, using the output device and based on the pulsed light pattern, a series of light pulses.

14. The method of claim 8 , wherein the information associated with the transaction includes one or more of:

product information for one or more products associated with the transaction,

a transaction amount,

merchant information associated with a merchant,

a transaction date, or

metadata associated with the transaction.

15. A non-transitory computer-readable medium storing instructions, the instructions comprising:

one or more instructions that, when executed by one or more processors, cause the one or more processors to:

pair, via a wireless connection, a multi-function transaction card with a terminal;

receive, from the terminal, information associated with a transaction;

generate, based on the information associated with the transaction and using a cryptographic key, an authorization request cryptogram (ARQC),

wherein the cryptographic key is stored in a secure element in the multi-function transaction card;

generate, based on the ARQC, a pulsed light pattern including machine-readable code and a pattern of light,

wherein a first portion of the information is communicated via the machine-readable code, and

wherein a second portion of the information is communicated via the pattern of light; and

cause an output device of the multi-function transaction card to emit, based on the pulsed light pattern, the pattern of light.

16. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the one or more processors to receive, from the terminal, the information associated with the transaction, cause the one or more processors to receive, from the terminal, the information associated with the transaction via the wireless connection.

17. The non-transitory computer-readable medium of claim 15 , wherein the wireless connection comprises at least one of a Bluetooth connection or near-field communication connection.

18. The non-transitory computer-readable medium of claim 15 ,

wherein the terminal comprises another multi-function transaction card, and

wherein the other multi-function transaction card comprises, for receiving the pattern of light, at least one of an image sensor or a light sensor.

19. The non-transitory computer-readable medium of claim 15 , wherein the output device comprises a plurality of light-emitting-diodes, and

wherein the one or more instructions, that cause the one or more processors to cause the output device to emit the pattern of light, cause the one or more processors to cause the output device to illuminate, based on the pattern of light, one or more of the plurality of light-emitting-diodes.

20. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the one or more processors to cause the output device to emit the pattern of light, cause the one or more processors to cause the output device to emit, using pulse-width modulation, the pattern of light.