Abstract: Methods and apparatus process a financial transaction initiated by a consumer with a contactless transaction device. An electromagnetic transmission identifying a financial account and an adjunct identifier is received from the device. Transaction data are electromagnetically transmitted to the device. Another electromagnetic transmission providing authentication data and a digital signature originated from the transaction data is received from the device. The device is authenticated with an analysis of the authentication data and digital signature. An authorization request for approval of the financial transaction is transmitted over a payment network to an issuer system, and a response is received. The adjunct identifier is transmitted to an adjunct system distinct from the issuer system for implementation of functions adjunct to the financial transaction. The financial transaction is acted on in accordance with the response to the authorization request.

Abstract: Methods and apparatus process a financial transaction initiated by a consumer with a contactless transaction device. An electromagnetic transmission identifying a financial account and an adjunct identifier is received from the device. Transaction data are electromagnetically transmitted to the device. Another electromagnetic transmission providing authentication data and a digital signature originated from the transaction data is received from the device. The device is authenticated with an analysis of the authentication data and digital signature. An authorization request for approval of the financial transaction is transmitted over a payment network to an issuer system, and a response is received. The adjunct identifier is transmitted to an adjunct system distinct from the issuer system for implementation of functions adjunct to the financial transaction. The financial transaction is acted on in accordance with the response to the authorization request.

Abstract: A debit-type merchant transaction is conducted and the merchant transactions are automatically routed to customer accounts for payment of the merchant transactions. A user presents a form of account identification to an electronic transaction device to initiate a transaction. The account identification includes a customer account number. Each customer account is associated with a respective card issuer. At least some of the card issuers have for selected customers a debit account and a stored value account associated with the same customer account number. To perform a transaction, a customer inputs a transaction amount. A table is provided that includes a plurality of merchant categories and transaction threshold amounts for each merchant category. The merchant category is obtained for each initiated transaction. The inputted transaction amount is compared to the transaction threshold associated with the merchant.