Barclays Execution Services Limited

Barclays Bank Plc

Eric Crozier

Garry R Lloyd

Glenn Curtiss McMillen

Christine Ann Schuetz

John K Bauer

Loren Barton

David A Crake

Thomas P Akana

A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified. Preferably, at least one of the transaction modules is configured for contactless transaction operations over a contactless communication link.

Method and system for electronic wallet access

A mobile payment system and method are described that facilitates the secure and real time user authentication and activation of a mobile payment account for a user portable electronic device over a communications network.

Secure account provisioning

A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.

Method and system for account management and electronic wallet access on a mobile device

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Hockessin, DE, United States of America

Eric Crozier