Access control bypass on mobile for mass transit

1. A method of operating a payment-enabled mobile device, the method comprising:

receiving a polling signal or signals by the mobile device, wherein the received polling signal or signals include standard EMV proximity coupling device (PCD) polling signals;

detecting, by the mobile device, via said receiving of the polling signal or signals, that the mobile device is in proximity to a non-retail contactless transaction terminal, wherein the detecting step includes detecting two EMV type B PCD polling signals within a single polling cycle of the non-retail contactless terminal, wherein one of the Type B polling signals has an AFI (Application Family Identifier) value that is not “00” and another of the Type B polling signals is an EMV Type B polling signal which has an AFI value of “00”, wherein the Type B polling signal having the AFI value that is not “00” immediately precedes the EMV Type B polling signal having the AFI value “00” in a polling cycle of the non-retail contactless transaction terminal; and

in response to the detected proximity of the non-retail contactless transaction terminal, bypassing a user verification feature of an application program in the mobile device while operating the application program by performing a transaction with the non-retail contactless transaction terminal.

2. The method of claim 1 , wherein the transaction results in a user of the payment-enabled mobile device being admitted into a transit system that operates the transit system contactless transaction terminal.

3. The method of claim 2 , wherein admission of the user into the transit system occurs via interaction between the transit system contactless transaction terminal and an entrance gate of the transit system.

4. The method of claim 1 , wherein the bypassed user verification feature is a fingerprint verification feature.

5. The method of claim 1 , wherein the bypassed user verification feature includes entry and verification of a PIN (personal identification number).

6. A payment-enabled mobile device, comprising:

a processor; and

a memory in communication with the processor, the memory storing program instructions, the processor operative with the program instructions to perform functions as follows:

receiving a polling signal or signals, wherein the received polling signal or signals include standard EMV proximity coupling device (PCD) polling signals;

detecting, via said receiving of the polling signal or signals, that the mobile device is in proximity to a non-retail contactless transaction terminal, wherein the detecting step includes detecting two EMV type B PCD polling signals within a single polling cycle of the non-retail contactless transaction terminal, wherein one of the Type B polling signals has an AFI (Application Family Identifier) value that is not “00” and another of the Type B polling signals is an EMV Type B polling signal which has an AFI value of “00”, wherein the Type B polling signal having the AFI value that is not “00” immediately precedes the EMV Type B polling signal having the AFI value “00” in a polling cycle of the non-retail contactless transaction terminal; and

in response to the detected proximity of the non-retail contactless transaction terminal, bypassing a user verification feature of an application program in the mobile device while operating the application program by performing a transaction with the non- retail contactless transaction terminal.

7. The apparatus of claim 6 , wherein the non-retail contactless transaction terminal is a transit system contactless transaction terminal.