Abstract: A transaction request is received. The transaction request is for a transaction to charge a payment account managed by a payment entity. It is detected that the transaction request exceeds a transaction limit that is applicable to the payment account. A message is transmitted to the payment entity to indicate that the transaction request exceeds the transaction limit.

Abstract: A payment-enabled mobile device is employed to initiate a transaction at a payment terminal. The payment-enabled mobile device is in communication with the payment terminal via a first communication channel. An indication is received via the payment terminal that the transaction is declined. The indication is displayed on a display component of the payment terminal. A decline reason message is displayed on the payment-enabled mobile device. The decline reason message presents information received by the payment-enabled mobile device via a second communication channel that is different from the first communication channel.

Abstract: Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.

Abstract: Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.