Mastercard International Incorporated

Enda Rice

Sebastien Pochic

Eddy Van De Velde

Charl Frederik Botes

Mark Aquilina

David Anthony Roberts

Florent Hay

Jean-Paul Edmond Rans

Ronald D Carter

A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.

Method and system for issuer-defined prompts and data collection

During recent years, chip-based payment has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with the EMV specifications and standards. A computer-implemented payment transaction method is provided comprising: providing a standard EMV Contactless payment transaction protocol POI terminal, receiving from the user interface a selection of either the first or second payment application and modifying the PPSE accordingly; continuing, by the POI terminal, said EMV-compliant payment transaction by selecting the modified PPSE of the identification device; and selecting, by the POI terminal, the user-selected payment application to continue the payment transaction. By implementing such a function selection, new non-EMV compliant functionalities may be quickly added to existing payment-system specific kernels. In addition, by restarting the existing payment transaction instead of starting a new one, it may be quickly restarted using the same amount and the same currency without the need of any merchant interaction. By using existing mechanism already present in the EMV specifications and protocols, Users are given a higher degree of control over the payment applications used to complete payment transactions, and unexpected payments and/or unexpected terminations of payments are less likely to occur when a conflict arises between the contents of the PPSE and the POI terminal capabilities.

Non-default payment application selection during EMV-compliant payment transaction method

Methods, systems and apparatus are provided including a proximity payment device reader which includes a reader control program. A first process is executed upon receipt of an 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 processes may be executed to compare application data received from the payment device to data stored in a transaction log to determine if the proximity payment device was involved in an interrupted transaction. If the proximity payment device was involved in an interrupted transaction a signal is transmitted to the proximity payment device to attempt to retry the interrupted transaction.

Systems and methods for operating transaction terminals

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Wezembeek-Oppem, Belgium

Enda Rice