Abstract: A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified.

Abstract: A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.

Abstract: A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified.

Abstract: A method and system are described for registering an online account associated with a mobile device configured for contactless payment operations in a mobile payment account system. The method includes generating, by a mobile device, a passcode based at least on an encryption key stored securely in the mobile device. In a computing device, a registration process is initiated to register the online account. The computing device receives user input data identifying a passcode generated by the mobile device. An online account server stores online account data defining a user account associated the mobile device, the online account data including a data defining an encryption key.

Abstract: A mobile payment method and system are described that facilitate efficient and secured payment transactions from an electronic wallet on a user mobile electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the system provides for a plurality of passcode entry related states on the mobile electronic device. The mobile device transmits a transaction request message including a multi-faceted value identifying a passcode entry related state to a payment processing server. The payment processing server processes the transaction request and when the transaction request is declined for a passcode related reason, a transaction decline response is provided identifying the passcode related reason for decline.

Abstract: A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.