Contactless test system

1. A first apparatus comprising:

a processor; and

a storage medium coupled to the processor, comprising code executable by the processor for performing a first method including the steps of:

receiving, by the first apparatus, data comprising a plurality of profiles, each of the plurality of profiles associated with a distinct contactless transaction device of a plurality of contactless transaction devices;

communicating, by the first apparatus, using short range wireless communication, with a test contactless transaction device distinct from the first apparatus; and

emulating, by the first apparatus, each of the contactless transaction devices associated with each of the profiles in distinct simulated transactions with the test contactless transaction device, the emulation of the contactless transaction device being based at least in part on the corresponding profile.

2. The first apparatus of claim 1 , wherein the contactless transaction is a financial transaction.

3. The first apparatus of claim 1 , wherein the first method further comprises the steps of:

receiving an indication for each simulation as to whether the simulated transaction was successful; and

transmitting the received indication related to the transaction to a server computer.

4. The first apparatus of claim 3 , wherein the indication further comprises information related to an error for a simulated transaction that fails.

5. The first apparatus of claim 1 ,

wherein the plurality of profiles comprises contactless user device profiles; and

wherein the test contactless transaction device comprises a contactless acceptance device.

6. The first apparatus of claim 5 , wherein the contactless user device profiles comprise portable consumer device profiles, and wherein the contactless acceptance device comprises an access device.

7. The first apparatus of claim 6 , wherein the access device comprises any one of:

a proximity coupling device reader;

a proximity coupling device integrated; and

a proximity coupling device with application.

8. The first apparatus of claim 7 , wherein the access device comprises a proximity coupling device reader coupled to any one of, or some combination of a terminal, a POS device, an EPOS device, an ATM, a personal computer, and a mobile phone.

9. The first apparatus of claim 1 , wherein the plurality of profiles comprises contactless acceptance device profiles, and wherein the test contactless transaction device comprises a contactless user device.

10. The first apparatus of claim 9 , wherein the contactless acceptance device profiles comprise access device profiles, and wherein the contactless user device comprises a portable consumer device.

11. The first apparatus of claim 1 , wherein communicating using short range wireless communication comprises any one of, or some combination of:

radio frequency identification (RFID);

Bluetooth™; or

infra-red.

12. The first apparatus of claim 1 , wherein the apparatus comprises a handheld portable device.

13. The first apparatus of claim 1 , wherein each of the profiles comprises any one of, or some combination of:

verification capability;

a data authentication capability;

variable transaction specific data or parameters;

encryption logic; and

authorization capability.

14. The first apparatus of claim 1 , wherein two or more of the plurality of profiles reconfigure the first apparatus to conduct different types of transactions with the test contactless transaction device.

15. The first apparatus of claim 1 , wherein two or more of the plurality of profiles reconfigure the first apparatus to conduct transactions with different transaction protocols.

16. The first apparatus of claim 1 , wherein two or more of the plurality of profiles reconfigure the first apparatus to conduct transactions with different encryption algorithms.

17. The first apparatus of claim 1 , wherein two or more of the plurality of profiles reconfigure the first apparatus to conduct transactions with different types of contactless communication.

18. A method comprising:

receiving, at a computer apparatus, data comprising a plurality of profiles, each of the plurality of profiles associated with a distinct contactless transaction device of a plurality of contactless transaction devices;

communicating, by the computer apparatus using short range wireless communication, with a test contactless transaction device distinct from the computer apparatus;

emulating, by the computer apparatus, each of the contactless transaction devices associated with each of the profiles in distinct simulated transactions with the test contactless transaction device, the emulation of the contactless transaction device being based at least in part on the corresponding profile; and

storing, at the computer apparatus, data indicating whether each simulated transaction was successful.

19. A server computer comprising:

a processor; and

a storage medium coupled to the processor, comprising code executable by the processor for performing a method including the steps of:

transmitting, to a first apparatus, data comprising a plurality of profiles, wherein each of the plurality of profiles is associated with a distinct contactless transaction device of a plurality of contactless transaction devices;

receiving at least one indication as to whether a plurality of simulated transactions involving the first apparatus using the data comprising each of the profiles was successful, the first apparatus being configured at least to emulate the plurality of contactless transaction devices based at least in part on the transmitted profiles;

analyzing the received at least one indication; and

determining if a financial transaction device under test is approved based at least in part on the analysis of the at least one indication received from the first apparatus, the financial transaction device under test being distinct from the first apparatus.

20. The server computer of claim 19 , where in method further includes the steps of:

receiving update data comprising information corresponding to a new or revised profile;

storing the update data at the server computer; and

automatically transmitting the update data to the first apparatus.