Abstract: Embodiments of the present invention can be directed to systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks or proximity near-field communications systems. Embodiments may be directed to a mobile communication device displaying an application authentication element. The application authentication element may include a pre-selected authentication element and transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may be received by the mobile communication device from the user. The mobile communication device may generate a secret token that is derived from the user authentication token.

Abstract: A method for controlling a contactless interface on a dual interface portable device are provided. The method allows for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by the issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.

Abstract: Embodiments of the present invention can be directed to systems, apparatuses, and methods for performing transactions through mobile communication devices using telecommunications networks, systems, or proximity near-field communications systems. Embodiments may be directed to a mobile communication device displaying an application authentication element including a pre-selected authentication element. The application authentication element may include transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may then be received by the mobile communication device from the user.

Abstract: A portable consumer device may have money stored therein, which can be calculated using an accumulator record. The accumulator record can be incremented by the amount of any transaction using the portable consumer device. The accumulator record can retain the value of the prior transactions, upon additional funds being collected on the portable consumer device.