Abstract: Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.

Abstract: A payment card includes a card body and a magnetic stripe on the card body. The magnetic stripe stores a first account number. The payment card also includes an antenna disposed on the card body and a storage device mounted in the card body. The storage device is coupled to the antenna and stores data representative of a second account number that is different from the first account number.

Abstract: A payment device includes an integrated circuit (IC) to store at least two account numbers. The payment device also includes an antenna coupled to the IC to selectively transmit a selected one of the account numbers. The IC includes at least three terminals by which the IC is coupled to the antenna and to at least one other device.

Abstract: A method of operating a payment card system includes receiving, from a card holder, information indicative of at least one attribute of an account selection rule. The account selection rule is stored in a database. A request to authorize a payment card transaction is received. In response to the request, the stored account selection rule is retrieved. The method further includes selecting among a plurality of accounts belonging to the card holder based at least in part on the retrieved account selection rule. The selected account is used for the requested payment card transaction.

Abstract: Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.

Abstract: A formatted data structure is provided for conveying the results of ecommerce authentication programs that are used to authenticate a cardholder's on-line transactions. The data structure, which has at most a 20-byte length, is designed to be compatible with 3-D Secure message protocols used in e-commerce. The data structure includes designated fields that include a hash of the merchant's name, identify an authentication service provider, identify the authentication method used, and include a merchant authentication code which ties cardholder information to the transaction. Secure payment algorithms are provided for use by the e-commerce authentication programs to generate authentication results in the desired format. In one secure payment algorithm, a secret key is used to encrypt a concatenation of a cardholder account number with information from designated fields of the data structure.

Abstract: Techniques for reducing or eliminating the likelihood of fraud in a contactless proximity communications apparatus are provided. The apparatus can include a body portion with a body, a communications circuit, and an antenna. The apparatus can also include a signal-disrupting portion that is mounted for motion, such as rotary or linear motion, with respect to the body portion and configured to substantially disrupt RF signals in a first position, and to move to a second position where RF communication is possible.

Abstract: In a secure electronic payment system, authentication data based on a payment account (e.g., a credit card account) is sent from an authentication server, through a user's Web browser, to a merchant's computer. The merchant's computer sends the authentication data to a computer operated by the issuer of the payment account, either through a payment organization computer or through an acquirer computer operated by the merchant's acquirer. The issuer's computer verifies the authorization request message, thereby generating an authorization response message. The authorization response message is forwarded to the merchant's computer, either through the payment organization computer or through the acquirer computer. If the authorization response message indicates that the verification was successful, the transaction is completed.

Abstract: In a secure electronic payment system, authentication data is sent from a payment account issuer to user software operated by a purchaser. The user software sends the authentication data to a merchant using hidden fields on the Web page of the merchant. The merchant generates an authorization request message based upon the authentication data. The authorization request message is sent to a payment organization either directly from the merchant or via the merchant's acquirer. The payment organization forwards the authorization request message to a payment account issuer which verifies the authorization request message, thereby generating an authorization response message which is sent to the payment organization. The payment organization forwards the authorization response message to the merchant, either directly or via the acquirer.

Abstract: In a secure electronic payment system, authentication data is sent from a payment account issuer to user software operated by a purchaser. The user software sends the authentication data to a merchant using hidden fields on the Web page of the merchant. The merchant generates an authorization request message based upon the authentication data. The authorization request message is sent to a payment organization either directly from the merchant or via the merchant's acquirer. The payment organization forwards the authorization request message to a payment account issuer which verifies the authorization request message, thereby generating an authorization response message which is sent to the payment organization. The payment organization forwards the authorization response message to the merchant, either directly or via the acquirer.