Abstract: A method of biometric verification is described involving interaction between a token and a terminal. The token stores, or has access to, stored user biometric data. The terminal has an associated biometric reader. User biometric data is captured at the biometric reader. The token then initiates comparison of the captured user biometric data with the stored user data to determine a match. The token provides a verification result to the terminal, wherein an action at the terminal may proceed if the verification result indicates a match between the captured user biometric data and the stored biometric data. Methods performed at the token and at the terminal are described, as are tokens and terminals adapted to perform the steps described.

Abstract: A system and method for operating a payment terminal, the method including receiving a list of eligible applications from a payment device; generating a candidate list including applications from the list of eligible applications received that are supported by the payment terminal; determining a reduced candidate list, the reduced candidate list including applications from the candidate list that match merchant-specified network preference criteria; determining a final selection of an application based on the reduced candidate list; and providing an indication of the final selection application.

Abstract: A system and method for operating a payment terminal, the method including receiving a list of eligible applications from a payment device; generating a candidate list including applications from the list of eligible applications received that are supported by the payment terminal; determining a reduced candidate list, the reduced candidate list including applications from the candidate list that match merchant-specified network preference criteria; determining a final selection of an application based on the reduced candidate list; and providing an indication of the final selection application.

Abstract: Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.

Abstract: A system and method for enhancing functional interoperability of contactless payment devices that are used for conducting electronic payment transactions between consumers and merchants. The contactless payment devices include RFID-embedded cards issued to consumers and proximity coupling devices such as RFID-enabled readers deployed by merchants. The system and method involve use of a reference card and a reference reader to establish acceptable specifications for issued cards and deployed readers, respectively. The reference card and reference reader are cross-calibrated to link the operational specifications for the cards and the readers. A suitable selection of overlapping specification ranges or tolerances for proper card and reader functions, the enhances the interoperability of the issued cards with a deployed reader, and also the interoperability of deployed readers with an issued card.

Abstract: An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.

Abstract: A reference reader is provided for testing contactless electronic payment cards whose data transmissions are via weak load modulated RF carrier signals. The reference reader includes a reader antenna and a coupled common mode rejection circuit. The common mode rejection circuit is configured to demodulate carrier signals received at the reader antenna to retrieve payment card data signals having low modulation indices.

Abstract: A contactless payment card reader has a frusto-conical operating volume. The frusto-conical shaped operating volume has defined magnetic field strengths for powering and communicating with proximity payment cards. The reader can serve as a reference reader, which is representative of product readers deployed in contactless payment card systems, to test product contactless payment cards under conditions that simulate field use of the cards.

Abstract: An electronic payment system for conducting transactions by presenting a contactless payment card to a card reader. The card reader is configured to process transactions when only one card is present in its operating field. The card reader uses collision detection and avoidance algorithms to detect and report instances where multiple cards are present in the operating field. In response to a reported collision, the collision may be cleared by manual intervention, i.e., by physically removing excess cards from the reader's operating field.

Abstract: Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment is designed to simulate the external behavior of a variety of payment devices that are currently or expected to be deployed in electronic payment systems. Further, the reference equipment is configured to subject devices under test to extreme behaviors which are expected in field use or which are representative of a large class of payment devices. The external behaviors may relate to functional parameters, for example, power consumption, resonance frequency, Q-factor, modulation depth, noise, and timing. Exemplary reference devices are configured to exhibit representative external behavior, which is an empirically determined average behavior of the product devices in the field. Use of the reference equipment for product specification compliance testing will enhance the interoperability of product payment devices.