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: 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.