Abstract: A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device, selecting the interface over which the first and second device with communicate, selecting the application to be used to approve or disapprove the transaction, communicating to the second device the data necessary for the application to approve or disapprove the transaction.

Abstract: A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.

Abstract: A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.

Abstract: A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device, selecting the interface over which the first and second device will communicate, selecting the application to be used to approve or disapprove the transaction, communicating to the second device the data necessary for the application to approve of disapprove the transaction.

Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

Abstract: A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.

Abstract: A personalization of a batch of smart cards is provided. A user is provided with a plurality of queries regarding smart card features. Responses to the plurality of queries are received from the user. A personalization data file is generated using the responses to the plurality of queries, where the personalization data file comprises values, which may be used to provide features on a batch of smart cards.

Abstract: A system and method for authorizing transactions where a terminal determines if the transaction amount is within a low value limit. If so, a card acts within the parameters of offline counters on the card to generate an offline authorization. The transaction amount is deducted from the available funds balance tracked by an additional counter on the card. Merchants clear the transaction during batch processing in the same manner as other debit or credit transactions. The transactions are treated as standard chip offline-authorized transactions and are sent with other transaction details to an issuer.

Abstract: A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device, selecting the interface over which the first and second device with communicate, selecting the application to be used to approve or disapprove the transaction, communicating to the second device the data necessary for the application to approve or disapprove the transaction.

Abstract: A system and method for authorizing transactions where a terminal determines if the transaction amount is within a low value limit. If so, a card acts within the parameters of offline counters on the card to generate an offline authorization. The transaction amount is deducted from the available funds balance tracked by an additional counter on the card. Merchants clear the transaction during batch processing in the same manner as other debit or credit transactions. The transactions are treated as standard chip offline-authorized transactions and are sent with other transaction details to an issuer.