A method is disclosed. The method includes receiving a first session key different from a Master Key from a remote entity, the first session key based on the Master Key. The first session key is usable for a limited number of transactions. In response to receiving the first session key, the method includes provisioning a payment application in the user device with the first session key. The method includes receiving, at the payment application, a request for an application cryptogram from a point-of-sale terminal. In response to the receiving the request for the application cryptogram, the method includes generating the application cryptogram using the first session key, transmitting the application cryptogram to the point-of-sale terminal, and receiving a second session key from the remote entity. The second session key is based on the Master Key.

A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.

A settlement system performs on-line settlement and off-line settlement by switching between them, while reducing risk to the business side and not causing a user making payment to be aware of the switching,

A terminal device includes selection means for comparing a payment amount with a set amount read from a recording medium and for selecting between off-line processing and on-line processing, depending on a result of the comparison, off-line processing means for performing a process of subtracting the payment amount from the set amount recorded in the recording medium and a process of sending the payment amount to a server device; and on-line processing means for performing a process of sending the payment amount to the server device and a process of updating the set amount when having received an update value. A server device includes server processing means for performing a process of receiving the payment amount from a terminal device and a process of subtracting the payment amount from a balance of an account corresponding to the recording medium, and for performing, in a case of the on-line processing, a process of sending the update value to the terminal device.

A method and system are disclosed for providing integrated circuit chip cards (e.g. transaction cards) pursuant to an order placed by or on behalf of a card issuer wherein a testing data file is provided in conjunction with prepersonalization data encoding for use in conjunction with subsequent testing of the accuracy of the encoded prepersonalization data. Such testing may be completed prior to personalization data encoding to facilitate the identification of prepersonalization data encoding errors, thereby further facilitating remedial action and reduction of production disruptions.

The present invention allows verification of a voucher or token prior to redemption. The voucher or token has a code associated therewith so that a value of the voucher or token may be stored in a database. Later when the voucher or token is presented to a cashier for redemption, the code is submitted to the database in order to retrieve the value associated with that voucher or token. In this way, the voucher or token is verified before redemption. In one embodiment, a verification system includes a voucher or token database, a recognition subsystem and two transceivers. The database knows the code and value associated with the voucher or token. A recognition subsystem reads the code from the voucher or token. The transceivers couple together the database and the recognition subsystem in such a way that the a query can be made by the recognition system to determine the value associated with the code or otherwise verify the validity of the voucher or token.

A settlement system includes a server device and a terminal device. The terminal device is configured to compare a payment amount with a set amount stored in a recording medium; if the payment amount is equal to or less than the set amount, perform an off-line process; and if the payment amount is larger than the set amount, perform an on-line process. In the off-line process, the terminal device rewrites the set amount stored in the recording medium by subtracting the payment amount from the set amount; and sends the payment amount to the server device for further processing. In the on-line process, the terminal device sends the payment amount to the server device; determines whether an update value is received from the server device; and when the update value is received, rewrites the set amount stored in the recording medium to be the update value.

Various embodiments each include at least one of systems, devices, methods, and software for cross-channel security authentication, such as with regard to providing of payment card (e.g., credit and debit card) data for payment within a transaction. One such embodiment, in the form of a method includes receiving, by a payment account app on a mobile device, a payment authorization request and subsequently receiving approval or denial input within the payment account app following receipt of valid payment account authentication input. This method, following receipt of approval input, further includes generating authorized payment output to provide in response to the received payment authorization request.

A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions.

Method of controlling an electronic device and corresponding electronic device. The method may be performed by an electronic device (20) and includes steps such as receiving an instruction command (CMD) that includes identifiers (ID) of instructions (IS) that are prerecorded in a memory (30) of the electronic device; using the identifiers to form a code (RC) defining a set of instructions, where the set of instructions combines prerecorded instructions (IS) to execute a security check; and storing the code (RC) in a memory (28) of the electronic device in order to configure the electronic device (20) to execute the security check.

A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions.