Abstract: An apparatus and method for reference-based card enrollment for secondary devices are provided. The method includes receiving information of a payment instrument from a first device, transmitting the information of the payment instrument to a payment network, receiving, by the payment system, a unique account reference identification (ID) corresponding to the payment instrument, and using the account reference ID to enable a second device to use the payment instrument.

Abstract: An apparatus and method for performing a payment transaction are provided. The method includes transmitting context data to a magnetic secure transmission (MST) configuration server, receiving an MST configuration from the MST configuration servicer, and executing the payment transaction based on the MST configuration. The context data being associated with the payment transaction.

Abstract: An apparatus and method for performing a payment transaction are provided. The method includes transmitting context data to a magnetic secure transmission (MST) configuration server, receiving an MST configuration from the MST configuration servicer, and executing the payment transaction based on the MST configuration. The context data being associated with the payment transaction.

Abstract: A system and method is provided for accessing data across networks and from mobile devices for providing fraud detection and risk management and that maintains anonymity of users. More particularly, a system and method implemented inside a payment server is provided that can access data across networks and from mobile devices, including encoded personally identifiable information (PII) data, and aggregate and analyze such data from multiple payment networks to generate a risk score that is sent to one or more payment networks for fraud detection and risk management, while maintaining anonymity of users.

Abstract: An apparatus and method for confirming bank information on a mobile device are provided. The method includes transmitting, to a payment server, a transactional message of a payment system, the transactional message including an identifier of the bank information, and receiving, when it is determined that the identifier of the bank information is no longer valid, a plurality of bank information.

Abstract: An apparatus and method for reference-based card enrollment for secondary devices are provided. The method includes receiving information of a payment instrument from a first device, transmitting the information of the payment instrument to a payment network, receiving, by the payment system, a unique account reference identification (ID) corresponding to the payment instrument, and using the account reference ID to enable a second device to use the payment instrument.

Abstract: An embodiment of this disclosure provides a method and electronic device for attestation by proxy, the method comprising retrieving, by the electronic device, secure device data of the electronic device; performing, by an electronic device, attestation with an attestation server using a proxy server, wherein a validation result of the device is generated based on the secure device data; and communicating payment information with an application server when the validation result is trusted.