Abstract: A payment device includes an application storage device for storing a plurality of payment applications and a capture module for capturing user verification information. The payment device also includes a verification module. The verification module is interfaced to the capture module. The verification module is for receiving and verifying the captured user verification information and for outputting a user verification result. The payment device further includes a shared cardholder verification method (CVM) module, which is interfaced to the verification module. The shared CVM module receives the user verification result and also receives a reference to one of the payment applications. The shared CVM module responds to the verification result by outputting an application credential to the payment application to which it was referred.

Abstract: Systems, apparatus and methods for cost effectively and accurately testing the validity and/or success of an over-the-air (OTA) personalization of a payment-enabled mobile device. In an embodiment, a process includes transmitting, by a mobile device processor to an issuer financial institution (FI) computer, a request for a unique number, receiving the unique number, generating a cryptogram based on the unique number, and transmitting the cryptogram and a zero value purchase amount transaction request to the issuer FI computer. The process also includes receiving, by the mobile device processor, a zero value transaction authorization message from the issuer FI computer which indicates that the payment application successfully loaded and is functional. In some embodiments, a payment application load success message is then displayed on a display component of the payment-enabled mobile device.