Abstract: Systems, methods, apparatus and computer program code are provided for operating a mobile device to conduct a transaction which include obtaining, by a mobile device operating a mobile payment application, a transaction payload from a merchant, extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by the payment gateway identifier, receiving, from the payment gateway, item data associated with the transaction, the item data obtained by the payment gateway from the merchant, and receiving, from a user operating the mobile device, a confirmation to complete the transaction using a payment account associated with the user and transmitting the confirmation to the payment gateway with payment account credentials associated with the payment account.

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: A pre-authenticated token system includes an identification token having a switch, a transmitter and receiver circuit, and a sensor; a docking station having control circuitry, a transmit/receive circuit and an antenna; a personal computer; and an authentication server computer. The personal computer transmits security information to the authentication server, receives authentication information, and transmits an authentication signal to the docking station. The docking station receives the authentication signal, enters an authentication mode, and transmits the authentication signal to the identification token. The sensor of the identification token detects removal of the identification token from the user's body, and the switch then responds by disabling the identification token to prevent transmission of identification data.

Abstract: A service card image repository and directory is described. A process includes receiving a request to store at least one service image and related data, determining that the service image has been approved, and then uploading the service image and related data. The method also includes assigning a unique identifier to the service image and related data, and storing the service image and related data in an image repository. Some embodiments include receiving a request to download a service image and related data, locating the requested service image, determining that the requested service image requires transcoding and/or scaling, and then transcoding and/or scaling the requested service image to form a modified service image. The modified service image is then transmitted to an entity.

Abstract: A contactless reader includes a housing with a front wall oriented to face users of contactless identification tokens. The front wall has an outer surface that bears a first indicia indicating a location at which the contactless identification tokens are to be presented. The contactless reader also includes an antenna and electronic components within the housing for wirelessly sending data to and receiving data from contactless identification tokens. In addition, a casing is provided that attaches to the housing to cover the front wall of the housing and to cover the first indicia, wherein the casing has an outer surface bearing a second indicia that indicates the location at which the contactless identification tokens are to be presented.

Abstract: A wearable identification token includes a housing, a transmitter for transmitting user identification data to a proximity reader, a switch for switching the identification token between an enabled state and a disabled state, and a sensor for detecting removal of the housing from the user's body. The switch is responsive to the sensor to switch the identification token from the enabled state to the disabled state in response to the housing being removed from the user's body, and is responsive to a signal received from a trusted electronic device to switch the identification token from the disabled state to the enabled state.

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 including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

Abstract: A method and a wireless communication device including a housing, at least one user interface element to receive a user input, a transmitter to transmit a wireless communication signal; and a processor in the housing. The processor being enabled to detect a first signal; switch, in response to detecting the first signal, the transmitter from a first transmission mode to a second transmission mode, at least one of a transmit power and a transmit frequency associated with the second transmission mode being selectively set by a user via the user interface element; receive a second signal, the second signal including an indication of a value selected by the user; and set, in response to receiving the second signal, the at least one of transmit power and transmit frequency associated with the second transmission mode to the value selected by the user.

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: Example embodiments include methods and apparatus for exchanging, using a contactless interface included in a portable device, transaction information associated with an electronic merchant device when the portable device is brought into close proximity to a contactless interface associated with the electronic merchant device, with the information identifying the electronic merchant device and identifying a handover wireless network connected to the electronic merchant device and with information including security credentials required to form a secure connection, establishing a persistent, secure wireless connection with the electronic merchant device, using a wireless network interface in the portable device and the transaction information, over the handover wireless network and exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval.

Abstract: In accordance with some embodiments, a method includes providing an integrated circuit (IC) card having a first size and carried as part of a surrounding card having a second size larger than the first size, the IC card including an IC, the IC card having a perimeter defining the IC card within the surrounding card; and printing a payment card account number within the perimeter. In accordance with some embodiments, an identification token includes a carrier having a body; a card including an RFID integrated circuit and information printed within a perimeter of the card; a bridge joining the card to the carrier; an antenna; and an electrically conductive connection running along the bridge, the electrically conductive connection coupling the RFID IC to the antenna.

Abstract: A holder for a contactless payment card includes a substrate that has a first side and a second side that is opposite to the first side. There is an adhesive material on the first side of the substrate. The holder also includes at least one sheet that is joined to the substrate to form a pouch. The second side of the substrate faces the pouch. The pouch is shaped and sized to securely hold a contactless integrated circuit identification card that has no more than half of a planar extent defined for the standard ID-1 identification card.

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: In accordance with some embodiments, a method comprises transmitting at least one signal, via a wireless interface, from an identification token issued to an account holder to a communication device issued to the account holder; receiving at least one signal from the communication device via the wireless interface; and resetting a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device. In accordance with some embodiments, apparatus comprises an identification token issued to an account holder, the identification token to transmit at least one signal, via a wireless interface, to a communication device issued to the account holder, to receive at least one signal from the communication device via the wireless interface, and to reset a security parameter in the identification token in response at least in part to receiving the at least one signal from the communication device.

Abstract: An identification token includes a plastic body and an RFID IC embedded or contained in the body. An antenna is also embedded or contained in the body and is coupled to the RFID IC. A metallic coating is formed on the plastic body and is sufficiently thin so as permit wireless RF communication between the RFID IC and a proximity reader via the antenna. A clear protective coating is formed on the metallic coating so as to allow the metallic coating to be visible to a holder of the identification token.

Abstract: In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the identification token if the criteria is satisfied; wherein determining if the criteria is satisfied comprises determining if the at least one of movement and position satisfies a reference criteria; and wherein the sensor comprises a sensor to provide a signal indicative of at least one of movement and position of the identification token prior to presentation to a proximity coupling device.

Abstract: According to some embodiments, a method comprises: providing a card sized to fit within a card personalization machine, the card including a surface defining at least a portion of a recess; inserting at least a portion of a sub-card into the recess; providing adhesive between the surface and the sub-card to releasably retain the at least a portion of the sub-card within the recess; and personalizing the sub-card, using the card personalization machine, while the at least a portion of the sub-card is within the recess. According to some embodiments, apparatus comprises: a card defining a recess; a sub-card, at least a portion of the sub-card being inserted into the recess; adhesive to releasably retain the at least a portion of the sub-card within the recess; and a card personalization machine to personalize the sub-card while the at least a portion of the sub-card is within the recess.

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 contactless reader includes a housing with a front wall oriented to face users of contactless identification tokens. The front wall has an outer surface that bears a first indicia indicating a location at which the contactless identification tokens are to be presented. The contactless reader also includes an antenna and electronic components within the housing for wirelessly sending data to and receiving data from contactless identification tokens. In addition, a casing is provided that attaches to the housing to cover the front wall of the housing and to cover the first indicia, wherein the casing has an outer surface bearing a second indicia that indicates the location at which the contactless identification tokens are to be presented.