Method of executing transactions with non-contact payment devices that use pre-press and two-touch operations

摘要

A method of providing transaction data to a payment device that includes a contactless element, comprising: receiving, by a server computer from a payment processing network, an authorization request message including a request for authorization to perform an electronic payment transaction using the payment device; determining, by the server computer, whether the electronic payment transaction should be authorized based on data included in the authorization request message; sending, by the server computer, an authorization response message to the payment processing network to indicate whether the electronic payment transaction is authorized; after completing the electronic payment transaction, determine that an issuer update for the payment device is required; wherein the method further comprises one of: (i) providing, by the server computer, a script to a reading device in communication with the payment device using the contactless element of the payment device, wherein the item contactless is capable of communication and data transfer using a wireless communication technology comprising a short-range data transfer technology, in which the script, when executed by the device reader of the payment device , carries out the update of the issuer in the payment device, and (ii) provides, by the server computer, in the event that the payment device is a mobile telephone, the update of the issuer over the air by means of a cellular network.