Patent application number | Description | Published |
20100317318 | METHODS AND APPARATUS FOR PROVIDING PRE-PAID PAYMENT CAPABILITY ON MOBILE TELEPHONE - A method includes receiving an over-the-air message from a mobile telephone. The message requests top-up of a prepaid payment capability in the mobile telephone. The method further includes authorizing the requested top-up. In addition, the method includes transmitting an over-the-air response to the mobile telephone. The response indicates to the mobile telephone that the top-up is authorized. | 12-16-2010 |
20100318446 | FLEXIBLE RISK MANAGEMENT FOR PRE-AUTHORIZATION TOP-UPS IN PAYMENT DEVICES - A method of operating a payment device includes prompting the user to enter a monetary amount for a top-up request. The method further includes receiving user input into the payment device, where the user input indicates the monetary amount. The method also includes prompting the user to enter a passcode, receiving user input of the passcode in the payment device and verifying the passcode. Still further, the method includes comparing the monetary amount with a risk management parameter, and based on the result of the comparison, determining in the payment device whether to execute the top-up request off-line within the payment device. | 12-16-2010 |
20110112918 | METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE - 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. | 05-12-2011 |
20110112920 | METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE - 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. | 05-12-2011 |
20110238539 | METHODS FOR RISK MANAGEMENT IN PAYMENT DEVICE SYSTEM - 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. | 09-29-2011 |
20110244799 | SYSTEMS AND METHODS FOR OPERATING TRANSACTION TERMINALS - 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. In some embodiments, the processes may be executed to compare at least a portion of application data received from the payment device to data stored in a transaction log of the reader device to determine if the proximity payment device was recently involved in an interrupted transaction at said reader device, and if the proximity payment device was recently involved in an interrupted transaction at the reader, transmitting a signal to the proximity payment device to attempt to retry the interrupted transaction. | 10-06-2011 |
20120021722 | ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE - 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. | 01-26-2012 |
20120310760 | MOBILE DEVICE AUTOMATIC CARD ACCOUNT SELECTION FOR A TRANSACTION - 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. The mobile device processor then receives criteria data selected by the user and stores the selected criteria data in association with an identifier of the particular payment card account in the mobile device memory. In some embodiments, the mobile device processor automatically selects the particular payment card account for use in a payment transaction based at least in part on the stored criteria data. | 12-06-2012 |
20130110719 | METHOD AND SYSTEM FOR MULTIPLE PAYMENT APPLICATIONS | 05-02-2013 |
20140188640 | ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE - 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. | 07-03-2014 |
20140206311 | METHODS AND APPARATUS FOR PROVIDING PRE-PAID PAYMENT CAPABILITY ON MOBILE TELEPHONE - 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. | 07-24-2014 |
20140209672 | METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE - 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. | 07-31-2014 |