Method and system for multiple payment applications

1. A method comprising:

receiving, by a mobile device, an indication of a user-selected payment device representation displayed to a user by the mobile device;

presenting the mobile device within a wireless operational range of a proximity reader, the mobile device operating as a contactless payment device;

receiving, by a processor, a proximity payment account number (PPAN) and payment transaction data for a payment transaction from the mobile device, the PPAN corresponding to the user-selected payment device representation and being enabled for use in a contactless payment system including the contactless payment device and the proximity reader and being selected from a plurality of proximity payment account numbers (PPANs) stored on the mobile device and;

mapping, by the processor, the received PPAN to a primary account number (PAN, the PPAN being not the same as the PAN;

generating, by the processor, an authorization request for the payment transaction based on the PAN and the payment transaction data;

receiving, by the processor, an authorization response determined in reply to the authorization request, the authorization response including an indication of whether the authorization request is approved or denied;

providing, by the processor, an output including the authorization response and the PPAN; and

transmitting the output including the authorization response to the proximity reader.

2. The method of claim 1 , wherein the mobile device is a mobile telephone.

3. The method of claim 1 , wherein each of the plurality of PPANs corresponds to one of a plurality of payment device representations at the mobile device.

4. The method of claim 3 , wherein the selected PPAN corresponds to a selection of one of the plurality of payment device representations at the mobile device.

5. The method of claim 1 , wherein the PAN is associated with at least one of a credit card account, a charge card account, a debit card account, a stored value card account, a rewards program account, a remittance account, and a loyalty program account.

6. The method of claim 1 , wherein the plurality of PPANs are stored in a secure element of the mobile device.

7. A method comprising:

receiving, by a mobile device, an indication of a user-selected payment device representation displayed to a user the mobile device;

presenting the mobile device within a wireless operational range of a proximity reader, the mobile device operating as a contactless payment device;

receiving, by a processor, the indication of the user-selected payment device to associate with a future purchase transaction from the mobile device, the indicated payment device being selected from at least two payment device representations at the mobile device;

receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from the mobile device, the PPAN corresponding to the user-selected payment device representation and being enabled for use in a contactless payment system including the proximity payment device and the proximity reader;

mapping, by the processor, the received PPAN to a primary account number (PAN) associated with the indicated payment device, the PPAN being not the same as the PAN;

generating, by the processor, an authorization request for the payment transaction based on the PAN and the payment transaction data;

receiving, by the processor, an authorization response in reply to the authorization request, the authorization response including an indication of whether the authorization request is approved or denied;

providing, by the processor, an output including the authorization response and the PPAN; and

transmitting the output including the authorization response to the proximity reader.

8. The method of claim 7 , wherein the mobile device is a mobile telephone.

9. The method of claim 7 , wherein each of the at least one payment device representation at the mobile device may be selectively associated with the PPAN.

10. The method of claim 7 , wherein the PPAN and the indication of the payment device are received from the mobile device, at least in part, via a wireless communication network.

11. The method of claim 7 , wherein the PAN is associated with at least one of a credit card account, a charge card account, a debit card account, a stored value card account, a rewards program account, a remittance account, and a loyalty program account.

12. The method of claim 7 , wherein the PPAN is stored in a secure element of the mobile device.

13. A method comprising:

receiving, by a mobile device, an indication of a user-selected payment device representation displayed to a user by the mobile device;

presenting the mobile device within a wireless operational range of a proximity reader, the mobile device operating as a contactless payment device;

receiving, by a processor, a proximity payment account number (PPAN) and payment transaction data for a payment transaction from the mobile device, the PPAN corresponding to the user-selected payment device representation and being enabled for use in a contactless payment system including the contactless payment device and the proximity reader and being dynamically selected at the mobile device based on PPAN data stored on the mobile device and a payment device representation selected from at least two payment device representations at the mobile device;

mapping, by the processor, the received PPAN to a primary account number (PAN), the PPAN being not the same as the PAN;

generating, by the processor, an authorization request for the payment transaction based on the PAN and the payment transaction data;

receiving an authorization response determined in reply to the authorization request, the authorization response including an indication of whether the authorization request is approved or denied;

providing, by the processor, an output including the authorization response and the PPAN and

transmitting the output including the authorization response to the proximity reader.

14. The method of claim 13 , wherein the mobile device is a mobile telephone.

15. The method of claim 13 , wherein each of the at least one payment device representations at the mobile device may be selectively associated with the PPAN.

16. The method of claim 13 , wherein the dynamic selection of the PPAN comprises generating the PPAN at the mobile device.

17. The method of claim 13 , wherein the PAN is associated with at least one of a credit card account, a charge card account, a debit card account, a stored value card account, a rewards program account, a remittance account, and a loyalty program account.

18. The method of claim 13 , wherein the PPAN are stored in a secure element of the mobile device.

19. The method of claim 13 , wherein the PPAN dynamically selected at the mobile device based on PPAN data stored on the mobile device and a payment device selected from at least one payment device representation at the mobile device.