Abstract: Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

Abstract: A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed (220), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated (230) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined (240) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched (250) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt.

Abstract: A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.

Abstract: Methods and devices are provided for use in facilitating transactions between transaction devices and points of interactions. In connection therewith, one transaction device generally includes an input and an output for communicating with a point of interaction with regard to a transaction by a consumer at the point of interaction involving the transaction device. The transaction device also includes a processor in communication with the input and the output. The processor is configured to interact with the point of interaction in connection with the transaction, store transaction data relating to the transaction in a data store during the course of the transaction, and, in response to an interruption in the transaction with the point of interaction, retrieve transaction data stored in the data store in order to resume the transaction with the point of interaction when communication with the point of interaction is restored.

Abstract: Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

Abstract: A payment-enabled mobile device receives, during a first tap of the mobile device on a proximity reader component of a point of sale (POS) terminal, first transaction context data for a current transaction, and receives during a second tap of the mobile device on the proximity reader component, second transaction context data for the current transaction. When the mobile device determines that the second tap is for the same transaction as the first tap, and that one of a customer verification method (CVM) status or a user acknowledgment status flag has been set, then it transmits a payment card account number to the POS terminal to consummate the transaction.

Abstract: A method of enhanced interaction between a first computing device and a second computing device is described. A first channel for connection between the first computing device and the second computing device using a short range communication technology and a second channel for communication between the first computing device and the second computing device using a communication technology are established. A first interaction is performed using the first channel and an additional interaction is performed using the second channel. Suitable first and second computing devices are also described.

Abstract: The present invention relates to a method and system for synchronizing a personal identification number (PIN) value stored in a mobile computing device, with a PIN value stored on a remote server. The remote server receives a request from the mobile computing device to record a PIN value, the request comprising the PIN value. The PIN value is recovered from the received request and stored at the remote server. An instruction set arranged to record the PIN value in a secure hardware element comprised within the mobile computing device is generated and transmitted to the mobile computing device. The instruction set executes on the mobile computing device in order to record the PIN value on the secure hardware element.

Abstract: Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

Abstract: Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

Abstract: Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

Abstract: Methods and devices are provided for use in facilitating transactions between transaction devices and points of interactions. In connection therewith, one transaction device generally includes an input and an output for communicating with a point of interaction with regard to a transaction by a consumer at the point of interaction involving the transaction device. The transaction device also includes a processor in communication with the input and the output. The processor is configured to interact with the point of interaction in connection with the transaction, store transaction data relating to the transaction in a data store during the course of the transaction, and, in response to an interruption in the transaction with the point of interaction, retrieve transaction data stored in the data store in order to resume the transaction with the point of interaction when communication with the point of interaction is restored.

Abstract: A transaction device for establishing a shared secret with a point of interaction (POI) over a communications network to enable encrypted communications between the transaction device and the point of interaction, the device comprising: an input arranged to receive communications from the point of interaction; a processor arranged to generate a first communication according to a Diffie-Hellman protocol; an output arranged to send the first communication to the point of interaction; wherein the processor is arranged to apply a randomly generated blinding factor, r, when generating the first communication and wherein, in response to receiving a second communication from the point of interaction at the input, the second communication having been generated according to the Diffie-Hellman protocol, the processor is arranged to apply the randomly generated blinding factor and generate a shared secret according to the Diffie-Hellman protocol in dependence on data contained within the second communication.

Abstract: A payment-enabled mobile device such as a “smart phone” incorporates risk management features applicable when used for a contactless payment transactions. In some embodiments, a mobile device processor includes a non-volatile memory storing a first counter and an associated first accumulator used for financial risk management purposes, and storing a second counter and an associated second accumulator used for enforcing a cardholder verification requirement, and storing a payment application program. In some embodiments, features govern when cardholder verification is required for consummation of the current transaction, and such features may be configurable by the payment card account issuer and/or the user of the mobile device.

Abstract: A system and method of authenticating a communication network comprising a first computing device, a second computing device and an intermediary computing device, wherein there is a first path between the first computing device and the intermediary computing device and a second path between the second computing device and the intermediary computing device. The method is executed at the intermediary computing device, and comprises receiving, from the first computing device, a first session key generated by the first computing device using a function, wherein an input to the function comprises an incremented variable; receiving, from the second computing device, data associated with a second session key generated by the second computing device using the function; determining that the first session key and the second session key are the same; and defining the communication network as authentic when the first session key and the second session key are the same.

Abstract: A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.

Abstract: A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined (210) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed (220), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated (230) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined (240) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched (250) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt.

Abstract: Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

Abstract: Systems, methods and IC card devices are described for updating parameters such as unblocking or blocking or re-blocking an application on an IC card device whereby an integrated circuit card device gets issued with one or more active applications and optionally one or more dormant applications. Post issuance, triggered by a cardholder action when using a primary application, the issuer will send a command, e.g. in the form of a script to the card that will update parameters of another application, e.g. to ‘wake up’ the or each dormant application. An on-card mechanism is provided for the deblocking of the dormant application while the primary application is active. For any further transactions performed with the card, the cardholder will be offered a choice between the unblocked applications on the card. Optionally the oncard mechanism can also block or re-block an application or perform other actions.

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.