Mastercard International Incorporated

Paul Michael Evans

John Robert Wankmueller

David Anthony Roberts

Colin Tanner

Theresa L Smith

Dave Anthony Roberts

Paul Vanneste

Jim Gopinathan

The present disclosure proposes a computer implemented method for selecting test cases to be executed on a terminal by creating a configuration code and applying this code to a set of test case selection tuples. The present disclosure also proposes a method for automatically creating a set of test case selection tuples, taking a source code as an input. The created set of test case selection tuples can be used in the above-mentioned method for selecting test cases. Finally, the present disclosure proposes a method for operating a program for selecting test cases having a user interface and a selection logic. The program may apply the above-mentioned method for selecting test cases by creating a configuration code and applying this code to a set of test case selection tuples.

Systems and methods for selection of test cases for payment terminals

Described are methods and systems for remotely personalizing a payment device. In an embodiment, a trusted service provider (TSP) personalization server receives a payment device personalization request from a remote personalization device (RPD), determines that a hardware security token (HST) permits issuance of the payment device, and transmits a personalization data request to an issuer. The TSP personalization server then receives the requested personalization data from a Mobile Over-the-Air Provisioning Service (MOTAPS) server, generates session keys, converts data from the MOTAPS server into payment device application process data unit (APDU) data, and then transmits the personalization data and APDU data to the RPD to load onto a payment device.

In-market personalization of payment devices

A system is described for remotely issuing a payment device. The system includes a payment network, a chip card issuer and a remote dispensing device. The remote dispensing device is configured to receive a request from a consumer to purchase a proximity payment card, to transmit a transaction authorization request to the payment network and to receive a transaction authorization. The remote dispensing device then reads proximity payment card information from a pre-personalized proximity payment card, transmits it and a request for personalization data to the chip card issuer, receives the personalization data and transmits it to the pre-personalized proximity payment card to store thereon to create a personalized proximity payment card, and lastly dispenses the personalized proximity payment card to the consumer.

Methods and systems to remotely issue proximity payment devices

Systems and methods for remotely personalizing payment devices for consumers are described. In an embodiment, a system includes a MOTAPS server computer that provides data preparation functions and a trusted service provider (TSP) personalization server computer. The system also includes a service provider computer operably coupled to the TSP personalization server computer, and a remote personalization device (RPD) operably coupled to the service provider computer. The RPD transmits personalization requests, receives personalization data, and personalizes a payment device before providing the personalized payment device to a consumer.

Methods and apparatus for issuing a payment device from a remote dispensing device are provided. In an embodiment, a dispensing device receives a purchase request including a load amount, to purchase a proximity payment device. The dispensing device reads proximity payment device information from a stored pre-personalized proximity payment device, establishes a secure communications channel with a security terminal, encrypts a personalization data request, transmits it to the proximity device issuer server, and receives an encrypted personalization message. The dispensing device then decrypts the encrypted personalization message to obtain personalization data, writes the personalization data and the load amount to the pre-personalized proximity payment device, and then dispenses the personalized proximity payment device.

In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system. In some embodiments, apparatus comprises: a processing system to: receive a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associate the token with the payment account in response at least in part to the request. In some embodiments, apparatus comprises: a processing system to: receive a mapping associating an identifier of a token with a payment account; receive the identifier from a point of sale system; and determine the payment account based at least in part on the mapping and the identifier received from the point of sale system.

Methods, apparatus and articles for use in association with token

Pursuant to some embodiments, methods, apparatus, systems, devices, and means for issuing a payment device from a remote dispensing device are provided which include receiving a request to purchase a payment device from the remote dispensing device, the request including a load amount. Device information is read from a pre-personalized payment device in the remote dispensing device, and a request is made to an issuer of the pre-personalized payment device, for personalization data to personalize the pre-personalized payment device. In some embodiments, the request is sent over a secure authenticated session established between a module of the dispensing device and the issuer. The personalization data is loaded in the pre-personalized payment device to create a personalized payment device, and the personalized payment device is dispensed for use by a consumer.

Methods, systems and apparatus for verifying a cardholder during a transaction involving a payment device and a terminal are provided. In some embodiments, the payment device transmits a first biometric information template to a terminal, receives a first sample template, determines that a match occurs between the first sample template and a first biometric reference template, and determines that a verification sequence applies to the transaction requiring satisfaction of a second biometric rule. In an implementation, the payment device then transmits a second biometric information template, receives a second sample template, determines that a match occurs between the second sample template and a second biometric reference template, and transmits a verification status of the cardholder.

Methods and systems for biometric verification

Methods and systems for mutual authentication and personalizing a transaction device, such as a payment, transaction, or identity card. Successively generated one time codes are calculated by a first and second entity. One of the codes is transmitted to the second entity, which verifies the code is proper, then encrypts a second one time code using a third one time code and transmits the encrypted data to the first entity. The first entity decrypts the data using the third one time code, verifies the encrypted second one time code is proper, thereby mutually authenticating, and establishing a shared encryption key for subsequent communications, including transmission of personalization data.

Growing community of inventors

Farnborough, United Kingdom

Paul Michael Evans