Adaptable messaging

A payment-enabled mobile device operable to facilitate a payment transaction with a merchant server, comprising:

• an input/output device;
• receive/transmit circuitry;
• a memory;
• a secure element;
• and
• a mobile device processor operably connected to the input/output device, to the receive/transmit circuitry, to the memory and to the secure element, wherein the memory stores processor executable instructions which when executed cause the mobile device processor to:
• receive a payment transaction request via the input/output device from a user of the payment-enabled mobile device, the payment transaction request associated with purchasing at least one of a good or a service from a merchant;
• transmit, in response to the payment transaction request via the receive/transmit circuitry, a payment transaction initiation message directly to a merchant server of the merchant;
• receive, via the receive/transmit circuitry from the merchant server, a request message comprising one of an Authorization Request Cryptogram (ARQC) pursuant to EMV standards or user consent information including cardholder verification results or an ARQC generated by using a partial set of data inputs;
• determine, based on the received request message, a particular mobile payment cardlet to utilize from a plurality of mobile payment cardlets available in a secure element of the payment-enabled mobile device;
• generate, using the particular mobile payment cardlet, remote payment data;
• and
• transmit, via the receive/transmit circuitry, the remote payment data to the merchant server.

A system for facilitating a payment transaction between a payment-enabled mobile device of a user and a merchant server comprising:

• a merchant server;
• a payment server;
• and
• a payment-enabled mobile device operably connected to the merchant server and to the payment server, the payment-enabled mobile device comprising a mobile device processor operably connected to an input/output device, receive/transmit circuitry, a memory, and a secure element, wherein the memory stores processor executable instructions which when executed cause the mobile device processor to:
• receive a payment transaction request via the input/output device from a user of the payment-enabled mobile device, the payment transaction request associated with purchasing at least one of a good or a service from a merchant;
• transmit, in response to the payment transaction request via the receive/transmit circuitry, a payment transaction initiation message directly to a merchant server of the merchant;
• receive, via the receive/transmit circuitry from the merchant server, a request message comprising one of an Authorization Request Cryptogram (ARQC) pursuant to EMV standards or user consent information including cardholder verification results or an ARQC generated by using a partial set of data inputs;
• determine, based on the received request message, a particular mobile payment cardlet to utilize from a plurality of mobile payment cardlets available in a secure element of the payment-enabled mobile device;
• generate, using the particular mobile payment cardlet, remote payment data;
• and
• transmit, via the receive/transmit circuitry, the remote payment data to the merchant server.