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: Described are methods and systems for remotely personalizing a payment device. In an embodiment, a trusted service provider (TSP) personalization server receives a payment device personalization request from a remote personalization device (RPD), determines that a hardware security token (HST) permits issuance of the payment device, and transmits a personalization data request to an issuer. The TSP personalization server then receives the requested personalization data from a Mobile Over-the-Air Provisioning Service (MOTAPS) server, generates session keys, converts data from the MOTAPS server into payment device application process data unit (APDU) data, and then transmits the personalization data and APDU data to the RPD to load onto a payment device.

Abstract: Near-Field Communication (NFC) test systems, apparatus and processes enable consumers to thoroughly and easily test the NFC circuitry and short range communications software of their mobile devices. In an embodiment, a processor of a consumer's mobile device receives input to initialize an NFC test application and displays a prompt on a display screen for the consumer to position his or her mobile device to communicate with an NFC-enabled device. When the processor receives input indicating a correct communication position, a shared identity is exchanged with the NFC-enabled device and transmitted to a central server computer. Next, the processor receives a plurality of NFC test instructions, communicates in a transaction mode of operation and then in a terminal mode of operation with the NFC-enabled device, and transmits NFC test data to the central server computer.

Abstract: Near-Field Communication (NFC) test systems, apparatus and processes enable consumers to thoroughly and easily test the NFC circuitry and short range communications software of their mobile devices. In an embodiment, a processor of a consumer's mobile device receives input to initialize an NFC test application and displays a prompt on a display screen for the consumer to position his or her mobile device to communicate with an NFC-enabled device. When the processor receives input indicating a correct communication position, a shared identity is exchanged with the NFC-enabled device and transmitted to a central server computer. Next, the processor receives a plurality of NFC test instructions, communicates in a transaction mode of operation and then in a terminal mode of operation with the NFC-enabled device, and transmits NFC test data to the central server computer.

Abstract: Systems and methods for remotely personalizing payment devices for consumers are described. In an embodiment, a system includes a MOTAPS server computer that provides data preparation functions and a trusted service provider (TSP) personalization server computer. The system also includes a service provider computer operably coupled to the TSP personalization server computer, and a remote personalization device (RPD) operably coupled to the service provider computer. The RPD transmits personalization requests, receives personalization data, and personalizes a payment device before providing the personalized payment device to a consumer.

Abstract: A method may include requesting payment infrastructure data from a payment device reader. The method may further includes receiving payment infrastructure data from the payment device reader. The payment infrastructure data that is received may be indicative of a country in which the payment device reader is installed. In addition, the method may include selecting data for transmission to the payment device reader based at least in part on the received payment infrastructure data.

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: Systems, apparatus and methods for cost effectively and accurately testing the validity and/or success of an over-the-air (OTA) personalization of a payment-enabled mobile device. In an embodiment, a process includes transmitting, by a mobile device processor to an issuer financial institution (FI) computer, a request for a unique number, receiving the unique number, generating a cryptogram based on the unique number, and transmitting the cryptogram and a zero value purchase amount transaction request to the issuer FI computer. The process also includes receiving, by the mobile device processor, a zero value transaction authorization message from the issuer FI computer which indicates that the payment application successfully loaded and is functional. In some embodiments, a payment application load success message is then displayed on a display component of the payment-enabled mobile device.

Abstract: A method for verifying an image by a first electronic device, the method comprising the first electronic device: sending a request for an image to a second electronic device, wherein the second electronic device is remote from the first electronic device and, optionally, a server; receiving an image and a certificate from the second electronic device, wherein the certificate comprises a protected checksum of at least the image; generating a checksum in dependence on at least the received image; performing a comparison in dependence on said generated checksum and the protected checksum received in the certificate; and verifying the received image in dependence upon the comparison. Advantageously, the first electronic device is able to verify each received image and to prevent the display of any received images that are not authenticated. Applications include the display of card images.

Abstract: The present invention relates to an electronic device 101 for use in a transaction process. The electronic device 101 comprises a first wireless communication module for communicating with a second electronic device 102 and a second wireless communication module for communicating with a payment terminal 106 for the purpose of performing a payment transaction. The electronic device 101 is capable of relaying data between the second device 102 and the payment terminal 106. A method of performing a transaction is also disclosed, said method comprising the following steps. Firstly, a first wireless communication between an electronic device 101 and a second electronic device 102 is established. Secondly, transaction details required to perform a contactless transaction are uploaded from the second electronic device 102 to the electronic device 101 and securely stored on the electronic device 101. Thirdly a second wireless communication between the electronic device 101 and a payment terminal 106 is established.

Abstract: A method for verifying the source of an authorization request includes: storing an integrated circuit card (ICC) master key; receiving an authorization request for a transaction, wherein the request includes an ICC dynamic number, and the ICC dynamic number is extracted from signed data, based on the ICC master key, generated by a payment card during combined data authentication (CDA); verifying the authenticity of the ICC dynamic number using the stored ICC master key; and transmitting the authorization request to a third party. A method for transmitting an authentic authorization request includes: storing payment card data, the data including an ICC master key associated with the payment card; authenticating the card data using CDA to generate signed data; extracting, from the signed data, an ICC dynamic number based on the ICC master key; and transmitting an authorization request for a transaction, the request including the extracted ICC dynamic number.

Abstract: In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system.

Abstract: In accordance with some embodiments, a method includes receiving, in a proximity coupling system, holder consent to provide a human understandable indication of an account balance associated with a payment account; and providing a human understandable indication of the account balance associated with the payment account via an output device, in response at least in part to the consent; wherein receiving holder consent comprises receiving holder consent provided via a proximity payment device associated with the payment account. In accordance with some embodiments, a method includes storing account data and preference data in a proximity payment device, the preference data indicative of a preferred method to provide a human understandable indication of an account balance.

Abstract: A recyclable contactless payment device is issued to a first patron of a venue. Use of the contactless payment device at the venue by the first patron is facilitated, as is return of the contactless payment device by the first patron for recycling. The contactless payment device is deactivated and stored. The issuing and facilitation of use are repeated for at least a second patron of the venue, with the same recyclable contactless payment device.

Abstract: A method for funding and sharing an experience includes: reading a code encoded with an identifier; transmitting the identifier; receiving details for a transaction, the details including a transaction amount; displaying the amount to a consumer; receiving an indication of transaction options; transmitting the transaction options for processing the transaction; receiving an indication of transaction approval; and displaying a prompt to share experience information with a social network.

Abstract: A system, method, and computer-readable storage medium configured to enable the pooling and sharing of funds to cover shared expenses. An electronic basket is created. The electronic basket includes a virtual prepaid payment card with a unique identifier and associated with a user. The user is prompted for potential contributors to the electronic basket. A network interface electronically contacts the potential contributors, and the electronic basket is stored in a user-card database.

Abstract: Described are systems, apparatus and methods for simplifying and streamlining mobile payment device provisioning. A mobile device provisioning framework system includes a plurality of components that interact by using standard interface specifications and standard messaging specifications to facilitate the provisioning of mobile devices. In an embodiment, a mobile device provisioning framework system provides standardized interface specifications, standardized messaging specifications, and a plurality of predetermined mobile device standard profiles. The mobile device provisioning framework system receives a selection of a standard profile from an issuer computer, and then provisions a consumer's mobile device based on the selected standard profile.

Abstract: Systems, apparatus and methods are presented that enable an issuer financial institution (FI) to contact a financial account holder concerning a possibly fraudulent purchase transaction via a non-intrusive notification transmitted to a mobile device. An embodiment includes receiving, by the cardholder's mobile device, a transaction alert message, providing an indication of the transaction alert message, and displaying transaction alert information along with a validate indicator and a decline indicator. The process also includes receiving a selection of the validate indicator, prompting the cardholder to enter a mobile personal identification number (mPIN), validating the mPIN, and then transmitting a validation signal to an issuer FI.

Abstract: Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account. The staging account provider computer generates a mobile account PAN and associates it with a funding account PAN, and transmits a personalization request to personalize a payment application for the cardholder's mobile device to a trusted service manager (TSM) computer. The staging account provider computer receives a status confirmation message from the TSM computer indicating that the payment application has been personalized and loaded onto the cardholder's mobile device, and then transmits a mobile account initialization message that includes the mobile account PAN to the primary issuer.

Abstract: Methods and apparatus for provisioning a payment account on a mobile device at a location such as a retail store in conjunction with a purchase. A method includes a personalization server computer receiving payment account information of a consumer and a mobile payment account information request message from a merchant device, the message including information identifying the make and model of a mobile device being considered for purchase and a mobile network operator (MNO) identifier. The personalization server computer verifies the payment account information, determines a provisioning response message that includes information identifying at least one provisioning option, and transmits the provisioning response message to the merchant device for presentation to the consumer.