Abstract: Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.

Abstract: Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.

Abstract: Presented are apparatus and methods for utilizing coupons and the like in the context of a contactless payment process. A processor of a payment-enabled mobile device stores a Proximity Coupon System Environment (PCSE). The PCSE includes coupon applications that provide for an alternative form of payment and/or that influence a final transaction amount for a payment transaction. The method includes storing in a File Control Information (FCI) file of the PCSE a list of the coupon applications, and storing in a FCI file of a Proximity Payment System Environment (PPSE) an indication of the existence of the PCSE. When a payment transaction request is received from a proximity reader, the payment-enabled mobile device transmits the indication of the existence of the PCSE and the list of coupon applications that are to be considered before determining the final transaction amount.

Abstract: Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.

Abstract: Methods, systems, apparatus and computer program products for implementing a mobile remote payment system that allows consumers and merchants to engage in mobile remote payment transactions regardless of their registration point are described. In an embodiment, a mobile remote payment (MRP) switch computer receives from an originating service manager computer, a payment authorization request that comprises payment data, an originating service manager identifier, and a merchant identifier of a merchant.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.

Abstract: A method includes providing a mobile device. The mobile device is programmed with a payment application program, an environment program that supports application programs, and a user interface application program. When the user interface application program is initiated, the initiation of the program includes sending a message from the user interface application program to the payment application program to clear a PIN (personal identification number) verification status flag.

Abstract: Purchases from a wireless device are facilitated by detecting, at a proxy (14), that a wireless device is attempting to access a form from a merchant server (18). The form is automatically filled at the proxy and delivered to the wireless device together with a hyperlink to a file stored on a wallet server (17). Upon receipt at the wallet server of an instruction from the wireless device, information is delivered to the merchant server to complete a transaction. Also, a wireless device (10) is provided having a browser for sending, to an Internet connected gateway, a request to access a form from a merchant server (18). Upon receipt from a proxy, the wireless device receives, stores and presents to a user a representation of the form pre-filled with data relating to the user, together with a hyperlink to a file and an indication that activation of the hyperlink will complete a transaction.