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: 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: Methods and systems are described for setting a risk management limit to be applied to authorized purchase transactions for a payment card account. In an embodiment, a payment card issuer sets a risk management limit to be applied to authorized purchase transactions for a payment card account, receives an authorization request for a first purchase transaction, determines that the payment card account is within a threshold amount of the risk management limit, and transmits a warning message to a mobile telephone of the account holder that the risk management limit is imminent. Next, the payment card issuer computer receives a second authorization request for a second purchase transaction, determines that the payment card account now exceeds the risk management limit and that no contact has been received from the account holder, and then suspends the payment card account pending contact from the account holder.

Abstract: A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit.

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 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: Methods and apparatus for operating a transaction terminal. In an embodiment, a method includes receiving, by a proximity reader processor via a first channel, an activation signal from a payment terminal processor indicating initiation of a payment transaction with a proximity payment device. The proximity processor then executes a first process having a first queue that causes transmission of first instructions to a second process comprising a second queue, and then the second process is executed to run concurrently with the first process, wherein the second process causes the proximity processor to transmit application activation instructions via a reader interface and a second channel to the proximity payment device. The proximity processor terminates the second process when the application activation is completed without error.

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: Methods, systems and apparatus are provided including a proximity payment device reader which includes a reader control program. A first process is executed upon receipt of an activation signal indicating the initiation of a transaction involving a proximity payment device with the reader, the first process causing at least a first signal to be transmitted to a second process, the second process causing the transmission of at least a second signal to the proximity payment device through a transceiver. In some embodiments, the processes may be executed to compare application data received from the payment device to data stored in a transaction log to determine if the proximity payment device was involved in an interrupted transaction. If the proximity payment device was involved in an interrupted transaction a signal is transmitted to the proximity payment device to attempt to retry the interrupted transaction.

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 includes a processor of a mobile telephone receiving a top-up request for an offline balance in an offline payment application of the mobile telephone, and opening an over-the-air (OTA) connection to a top-up authorization server computer. The user is prompted to enter a monetary amount for the offline balance and to enter a form of authentication. The method also includes receiving a monetary amount input and a user authentication input, authenticating the user, calculating a cryptogram and transmitting an OTA top-up request message to the top-up authorization server computer. In addition, the method includes receiving an OTA response indicating authorization of the top-up request and including a script. The processor then executes the script to increase the offline balance stored in the mobile telephone by the monetary 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 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 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: 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, apparatus and systems are described for the automatic selection of a payment card account for use in a purchase transaction by a payment-enabled mobile device. In some embodiments, a user configures her mobile device so that it will automatically select a particular payment card account when certain predefined criteria are met. In an implementation, the process includes providing, by a processor on a display component of the mobile device, a payment card account menu that includes a representation of each of a plurality of payment card accounts of the user. After the mobile device receives an indication of a selection, a card account use criteria sub-menu is displayed that includes a plurality of criteria that defines circumstances under which that particular payment card account will be automatically selected for a transaction.

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: Methods, systems and apparatus are provided including a proximity payment device reader which includes a reader control program to control a process to execute process, where a first process is executed upon receipt of an activation signal, the activation signal indicating the initiation of a transaction involving a proximity payment device with the reader, the first process causing at least a first signal to be transmitted to a second process, the second process causing the transmission of at least a second signal to the proximity payment device through a transceiver. In some embodiments, the first process and the second process each have a queue in which received signals are placed and handled in a first in first out basis allowing the processes to run concurrently with each other.

Abstract: A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit.

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.