Abstract: In accordance with some embodiments, apparatus comprises a body defining: a first seat to receive a first device having a wireless communication interface; and a second seat to receive a second device having a wireless communication interface; a first wireless communication interface supported by the body to communicate with the wireless communication interface of the first device; and a second wireless communication interface supported by the body to communicate with the wireless communication interface of the second device.

Abstract: A method of account identification is performed on suitably programmed computing apparatus. An account number comprising a plurality of numeric characters is assigned to an account. The characters of the account number are divided into a numeric identifier and a convertible string. The convertible string is compressed into a compressed convertible string using an expanded character set. There are fewer characters in the compressed convertible string than in the uncompressed convertible string. A compressed account number is provided comprising the numeric identifier and the compressed convertible string. This may then be used in transactions without compromising the original account number while retaining the identifier for use in identifying transactions. A method of performing a transaction is also described, as is suitable apparatus for carrying out the methods described.

Abstract: Systems and methods are provided for processing a transaction to enable an issuer of a physical transaction device to process a transaction message relating to a digital transaction device, where the digital transaction device is a digitized counterpart of the physical transaction device. In connection therewith, a transaction processing system is configured to receive the transaction message including a digital device data set associated with the digital transaction device; identify a physical device data set that corresponds to the digital device data set from a group of paired physical device data sets and respective digital device data sets; modify the transaction message to include the identified physical device data set to form a modified transaction message; and communicate the modified transaction message to the issuer of the physical transaction device.

Abstract: A method of associating a transaction device with a user profile on an activation computing device, the method comprising: receiving, from an issuing entity, information associated with a user profile, the user profile having been created by an issuing entity; generating, at the activation computing device, an activation code; sending the activation code to a transaction device associated with the user; receiving, from the transaction device, verification data, the verification data being associated with the activation code and the information associated with the user profile; validating, at the activation computing device, by comparing the received verification data with the generated activation code and the information associated with the user profile received from the issuing entity; and associating the transaction device with the user profile if the verification data is valid.

Abstract: In accordance with some embodiments, a method includes enabling operation of an RFID integrated circuit of a first card in an identification token using a first switch; and enabling operation of an RFID integrated circuit of a second card in an identification token using a second switch. In accordance with some embodiments, an identification token includes: a first card including an RFID integrated circuit; a second card including an RFID integrated circuit; a first switch to enable operation of the RFID integrated circuit of the first card; and a second switch to enable operation of the RFID integrated circuit of the second card.

Abstract: The present invention relates to a method and system for synchronising 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: In accordance with some embodiments, apparatus comprises a body defining: a first seat to receive a first device having a wireless communication interface; and a second seat to receive a second device having a wireless communication interface; a first wireless communication interface supported by the body to communicate with the wireless communication interface of the first device; and a second wireless communication interface supported by the body to communicate with the wireless communication interface of the second device.

Abstract: An apparatus includes a portable electronic device and an article of manufacture. The article of manufacture includes a first mechanism for securing the article of manufacture to the portable electronic device. The article of manufacture also includes a second mechanism for defining a slot. The second mechanism is coupled to the first mechanism. The slot is shaped and sized to receive and securely hold a contactless integrated (IC) identification card. The card in question has no more than half of the planar extent defined for a standard ID-1 identification card.

Abstract: The present invention relates to a method of authorising a transaction process, whereby a communication between a payment device and a payment processing network is established. Subsequently a transaction is initialised at the payment device, the input of a first User Identification Metric (UIM) is requested, the input of a second UIM is requested, the first and second UIMs are verified and the transaction process proceeds if both UIMs are verified.

Abstract: In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. In some embodiments, the non-card shaped body of the device is a non-card shaped body of a device issued to the account holder. In some embodiments, the communication device is a communication device issued to the account holder.

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 bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC), the RFID IC coupled to an antenna. The method further includes the mobile device reading a message from the RFID IC, where the message is transmitted by the RFID IC via the antenna. The method further includes the mobile device responding to the message by opening an electronic wallet function in the mobile device.

Abstract: Pursuant to some embodiments, systems, methods, apparatus and means for operating two-part contactless card readers are provided. In some embodiments, the two-part contactless card reader is installed in association with a transaction counter, where the transaction counter has a first surface and a second surface. Pursuant to some embodiments, the device includes a customer-facing unit installed on a first surface of the transaction counter, a base unit installed on a second surface of the transaction counter, the second surface apart from the first surface, where the first surface and the second surface are separated by a substantially solid material with no aperture formed therethrough. The base unit includes electronic components for generating interrogation signals for interrogating contactless cards, the electronic components also for receiving card data signals from the contactless cards, the card data signals indicative of card data stored in the contactless cards.

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: In accordance with some embodiments, an apparatus includes: a support structure; a storage circuit mounted in or on the support structure, the storage circuit for storing data; an antenna mounted in or on the support structure and coupled to the storage circuit for selectively transmitting the data; a switch mounted in or on the support structure, the switch being for initiating a time period in which the apparatus is enabled; and a timing circuit mounted in or on the support structure, the timing circuit being responsive to the switch for setting an end point to the time period; wherein the apparatus is operative to perform data exchange with a reader via the antenna only during the time period.

Abstract: A payment-enabled mobile device assembly includes a carrying case configured for attachment to a portable electronic device and that includes an aperture for accepting an integrated circuit (IC) identification card. The IC identification card has a card body and includes electronic components, and in some embodiments a shield layer is provided to shield the electronic components of the IC identification card from electronic components of the portable electronic device. In addition, when the IC identification card is inserted into the aperture at least a portion of the front surface is visible through the aperture.

Abstract: A method includes bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC), the RFID IC coupled to an antenna. The method further includes the mobile device reading a message from the RFID IC, where the message is transmitted by the RFID IC via the antenna. The method further includes the mobile device responding to the message by opening an electronic wallet function in the mobile device.

Abstract: Pursuant to some embodiments, systems, methods, apparatus and means for operating two-part contactless card readers are disclosed. In some embodiments, the two-part contactless card reader is installed in association with a transaction counter, where the transaction counter has a first surface and a second surface. Pursuant to some embodiments, the device includes a customer-facing unit installed on a first surface of the transaction counter, a base unit installed on a second surface of the transaction counter, the second surface apart from the first surface, where the first surface and the second surface are separated by a substantially solid material with no aperture formed therethrough.

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.