The present invention concerns the field of the emulation of contactless payment cards and more particularly the routing of the contactless communication within a device comprising several contactless payment card emulation circuits. The invention proposes a method for routing messages within an NFC controller. This controller has a table of the various applications hosted by the various secure elements. When the controller receives a request for the list of applications contained in the virtual payment card, it intercepts this request and responds with the list of the various applications accessible on the various secure elements. When a request aimed at selecting an application is received, the controller stores the secure element concerned and redirects all the messages to this element as long as it does not receive any new selection request.

In a method for using and maintaining user data stored on a smart card, a smart card receives a user data request for the user data stored on the smart card. The smart card determines whether the user data request is a data maintenance request or a data use request. A data maintenance request is for modifying user data stored on the smart card. A data use request is for read only access to user data stored on the smart card. The smart card uses a first process to determine whether to allow the user data request when the user data request is determined to be a data maintenance request. The smart card uses a second process, different from the first method, to determine whether to allow the user data request when the user data request is determined to be a data use request.

Systems and methods for authentication may include a first device having an association with a first account, including a memory containing one or more applets, a counter value, and transmission data, a communication interface, and one or more processors in communication with the memory and communication interface. The first device may create a cryptogram based on the counter value, wherein the cryptogram includes the counter value and the transmission data. The first device may transmit, after entry of the communication interface into a communication field, the cryptogram, and update, after transmission of the cryptogram, the counter value. The first device may receive, via the communication interface, one or more encrypted keys and one or more parameters. The first device may decrypt the one or more encrypted keys and, after decryption of the one or more encrypted keys, switch an association from the first account to a second account.

Systems, methods, devices, and computer readable media for enabling direct electronic payment transfers are disclosed. Identification information of a payer, based on a user selection at a mobile device, is received from a first application installed on the mobile device. A user identification of a payment amount is received via a second application installed on the mobile device. The second application is different from the first application. Biometric data of the user is captured at a biometrics reader of the mobile device, and then compared to authorized biometric data to authenticate the user. Upon successful authentication of the user, a request for the electronic payment transfer from the payer to the user for the payment amount is initiated from the mobile device.

A method of configuring a contactless communication device is provided. The contactless communication device includes integrated circuits hosting at least two applications compatible with different communication protocols or the same communication protocol and using different communication parameters and a contactless communication circuit. The method includes stopping, by the contactless communication circuit, the transmission of answers of the contactless communication device to requests transmitted by a proximity coupling reader during a transaction initiated by the reader to cause the initiation by the reader of a new transaction.

In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

The disclosure includes systems and methods for disabling a payment function of a transaction card. The system receives payment account data from a transaction card and transmits a payment authorization request message to a card issuer associated with the transaction card. The system receives, from the card issuer, an authorization request response message. The authorization request response message declines the transaction and includes a status response code corresponding to a status of the transaction card. The system determines whether the status response code indicates that the transaction card is to be captured, and if so, disables the payment function of the transaction card via activation of a disabling system.

Provided is a multi-card having a fingerprint input unit and a payment method using the same, and the multi-card includes a secure element adapted to allow multiple pieces of card information issued to the same card service to match each of a plurality of fingerprints to thus store the matching results therein and a fingerprint input unit for receiving the plurality of fingerprints inputted thereto, wherein the secure element produces transaction response information having one piece of card information activated according to the fingerprint information inputted to the fingerprint input unit.

The invention relates to a method for carrying out a payment transaction on a bank terminal using an electronic payment device, where the device contains at least two payment applications. The method includes a step of data communication from the device to the terminal during a transaction, which data contains at least information of a first type identifying each payment application of the device; and a step of configuring the device so that the data provides information of a first type relative to at least one disabled payment application. The invention likewise relates to the corresponding system.

Embedded systems and methods of starting an embedded system are disclosed. A method of starting an embedded system includes executing first instructions, distinct from instructions of an operating system of the embedded system. The method further includes causing the storage of at least one application into a non-volatile memory in response to executing the first instructions.