Abstract: A method for use an earned autopay account, an available autopay account, an earned points account, and an available points account each associated with a customer. The method includes storing a cache including first and second numbers of points stored in the available autopay account and the available points account, respectively. A points authorization request requesting a first transaction amount is received from a requesting computing device. A second transaction amount is subtracted from the first and/or second numbers of points. A points redemption request including a third transaction amount is sent to the payment processing computing device. Each of the first, second, and third transaction amounts includes a particular monetary value and/or a corresponding transaction number of points. The payment processing computing device subtracts the third transaction amount from the available points account and/or the available autopay account.

Abstract: A method for use an earned autopay account, an available autopay account, an earned points account, and an available points account each associated with a customer. The method includes storing a cache including first and second numbers of points stored in the available autopay account and the available points account, respectively. A points authorization request requesting a first transaction amount is received from a requesting computing device. A second transaction amount is subtracted from the first and/or second numbers of points. A points redemption request including a third transaction amount is sent to the payment processing computing device. Each of the first, second, and third transaction amounts includes a particular monetary value and/or a corresponding transaction number of points. The payment processing computing device subtracts the third transaction amount from the available points account and/or the available autopay account.

Abstract: A method for use an earned autopay account, an available autopay account, an earned points account, and an available points account each associated with a customer. The method includes storing a cache including first and second numbers of points stored in the available autopay account and the available points account, respectively. A points authorization request requesting a first transaction amount is received from a requesting computing device. A second transaction amount is subtracted from the first and/or second numbers of points. A points redemption request including a third transaction amount is sent to the payment processing computing device. Each of the first, second, and third transaction amounts includes a particular monetary value and/or a corresponding transaction number of points. The payment processing computing device subtracts the third transaction amount from the available points account and/or the available autopay account.

Abstract: A system, method, and computer readable storage medium for managing applications on a secure element. A request to modify the availability state of a version of a service, the availability state of the service being stored in a memory, is received. The availability state of the version of the service stored in the memory is modified in accordance with the request. More specifically, the availability state is modified to: (i) unavailable in a case where the request includes an instruction to disable the version of the service, and (ii) available in a case where the request includes an instruction to enable the version of the service. The service is associated with a secure element profile.

Abstract: Direct management of secure element data life cycles by backend servers without requiring direct communications between a trusted service manager (TSM) and a secure element is provided. A backend server client application executing on a mobile computing device enables users to request loading of application data on the secure element. A backend server receives the request to load application data. The backend server requests command scripts needed to load application data from the TSM and encrypts the command scripts with data stored on the backend server. The encrypted command scripts and application data are communicated to the backend server client application, which executes the command scripts and loads the application data onto the secure element via an interface of the mobile computing device.

Abstract: Systems, methods, and computer program products are provided for managing activation in a mobile wallet. A wallet activation request is received from a wallet client. The wallet activation request is transmitted to a central trusted service manager (TSM). One or more push messages including activation data are received from the TSM, and the push messages are transmitted to the wallet client, in response to a second request from the wallet client while the wallet client is in an active state.

Abstract: Direct management of secure element data life cycles by backend servers without requiring direct communications between a trusted service manager (TSM) and a secure element is provided. A backend server client application executing on a mobile computing device enables users to request loading of application data on the secure element. A backend server receives the request to load application data. The backend server requests command scripts needed to load application data from the TSM and encrypts the command scripts with data stored on the backend server. The encrypted command scripts and application data are communicated to the backend server client application, which executes the command scripts and loads the application data onto the secure element via an interface of the mobile computing device.

Abstract: A method for securely adding financial accounts maintained by an issuer without an issuer-specific TSM to a secure element using a service system that creates a secure TSM add-on module for the issuer within the service system TSM, and a sub-domain that is specific to the issuer within the secure element. The issuer designates instructions and commands as insecure information and sensitive financial information as secure information, and communicates each type of information via a designated interface that is designed to correspond to the required security of the type of information. The issuer transmits insecure instructions to the service system and in turn a digital wallet application to create a new account record in the application. The issuer encrypts the secure financial information and transmits it to the issuer domain of the secure element through the account services system TSM over a dedicated interface.

Abstract: System, methods, and computer program products are provided for interfacing with and providing a cloud-based secure storage. A payment system and procedure optionally stores security-critical information in a cloud-based secure store. Personalization data on the cloud-based secure store may be comprehensively managed by interfacing with a contactless front end (CLF) module in a near field communication (NFC) device and an interceptor. Non-security-critical information remains on the device. The processing time required to manage a payment transaction using Host-based Card Emulation (HCE) is minimized. User experience is improved.