Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: Systems and methods for use in tokenization are disclosed. One example method includes receiving a request to provision a biometric for biometric transactions to a payment account where, the request includes a cryptogram associated with a transaction to said payment account and/or a transaction ID for the transaction. The method also includes checking with an issuer whether the payment account is supported for biometric transactions, receiving an indicator of eligibility, and then requesting a biometric from the user. The method further includes receiving biometric data indicative of the user's biometric, and transmitting a request to the issuer to enable biometric transactions for the payment account.

Abstract: Systems and methods are provided for identifying types of network interactions. An example method includes generating, by a token service provider, a token for a payment account based on a request from a user, where the token includes an indicator of a type of transaction for which the token is available for use, and provisioning, by the token service provider, the token to a third party. In doing so, in response to use of the token in a transaction to the payment account, the indicator is included at a first data element of an authorization request for the transaction to the payment account thereby identifying the type of the transaction in the authorization request.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: A method includes maintaining a token database in a computer system, where the token database maps tokens to primary account numbers (PANs) for payment card accounts. The method further includes storing a respective entry in the token database for a token, with the token being mapped by the respective entry to a respective PAN and the respective PAN identifies a payment card account that belongs to a cardholder who uses a mobile device. The method also includes provisioning the token to the mobile device and determining at a subsequent point in time that a lifecycle event has occurred or will soon occur with respect to the token. In addition, the method includes updating the respective entry for the token in the token database in response to determining that the lifecycle event has occurred.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry the consumer's NFC-enabled mobile device, and/or to troubleshoot NFC communications problems of the mobile device. In an embodiment, a NFC test apparatus includes a mobile device package, at least one NFC tag configured for communications with NFC circuitry of a mobile device, and a support substrate that has an indicator to ensure correct positioning of the mobile device during a self-testing procedure. In some embodiments, the NFC tag is located on the mobile device package so that an orientation of the mobile device is known during a portion of the mobile device self-testing procedure, and the support substrate is configure for supporting the mobile device during the self-testing procedure.

Abstract: Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry the consumer's NFC-enabled mobile device, and/or to troubleshoot NFC communications problems of the mobile device. In an embodiment, a NFC test apparatus includes a mobile device package, at least one NFC tag configured for communications with NFC circuitry of a mobile device, and a support substrate that has an indicator to ensure correct positioning of the mobile device during a self-testing procedure. In some embodiments, the NFC tag is located on the mobile device package so that an orientation of the mobile device is known during a portion of the mobile device self-testing procedure, and the support substrate is configure for supporting the mobile device during the self-testing procedure.

Abstract: Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry of his or her NFC-enabled mobile device, and/or to troubleshoot wireless (NFC) communications problems of the mobile device. In an embodiment, a method includes initializing, by a mobile device processor, a NFC test application, displaying on a mobile device display screen a prompt for the consumer to position the mobile device onto a test platform that includes at least one NFC tag, initializing the NFC circuitry of the mobile device to power and communicate with the at least one NFC tag, and displaying an indication on the mobile device display screen concerning functionality of the NFC circuitry.

Abstract: A method includes maintaining a token database in a computer system, where the token database maps tokens to primary account numbers (PANs) for payment card accounts. The method further includes storing a respective entry in the token database for a token, with the token being mapped by the respective entry to a respective PAN and the respective PAN identifies a payment card account that belongs to a cardholder who uses a mobile device. The method also includes provisioning the token to the mobile device and determining at a subsequent point in time that a lifecycle event has occurred or will soon occur with respect to the token. In addition, the method includes updating the respective entry for the token in the token database in response to determining that the lifecycle event has occurred.

Abstract: Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry of his or her NFC-enabled mobile device, and/or to troubleshoot wireless (NFC) communications problems of the mobile device. In an embodiment, a method includes initializing, by a mobile device processor, a NFC test application, displaying on a mobile device display screen a prompt for the consumer to position the mobile device onto a test platform that includes at least one NFC tag, initializing the NFC circuitry of the mobile device to power and communicate with the at least one NFC tag, and displaying an indication on the mobile device display screen concerning functionality of the NFC circuitry.

Abstract: Strap apparatus' for carrying objects includes a basic parallel and "X" configuration of a strap with strap elements extending outwardly from the base of the object being carried. In both the parallel and "X" configurations of use the strap apparatus' are disposed at the bottom of an object to be carried and outwardly extending strap portions are disposed at the sides of the object. The outer ends of the straps comprise carrying handles. Two people secure the handles to carry the object.