Abstract: A method includes a cardholder device receiving at least one cardholder verification rule from a computer, and storing the cardholder verification rule. The cardholder verification rule prescribes circumstances under which a cardholder is required to perform a cardholder verification process in connection with a purchase transaction. The method includes the cardholder device receiving purchase transaction information from a merchant device, and then determining by using the stored cardholder verification rule, and based on at least one of the received purchase transaction information and current circumstances, that cardholder verification is not required. The cardholder device then uploads payment information to the merchant device to complete the purchase transaction.

Abstract: A method includes equipping a mobile telephone with a payment capability, and storing a cardholder verification rule in the mobile telephone. The method further includes the mobile telephone applying the stored rule to determine whether to require a user of the mobile telephone to perform a cardholder verification process.