Patent Publication Number: US-11392926-B2

Title: System, method and computer program product for automatic and remote control of NFC transaction processing

Description:
CROSS REFERENCE TO RELATED APPLICATIONS 
     This application is a continuation of U.S. patent application Ser. No. 15/960,722, now U.S. Pat. No. 10,922,678, filed on Apr. 24, 2018, the disclosure of which is hereby incorporated by reference in its entirety. 
    
    
     BACKGROUND OF THE INVENTION 
     1. Field of the Invention 
     This invention relates generally to systems, devices, products, apparatus, and methods that are used for near-field communication (NFC) transaction processing, and in one particular embodiment, to a system, product, and method for automatic and remote control of NFC transaction processing. 
     2. Technical Considerations 
     Near-field communication (NFC) is a set of communication protocols that enable two electronic devices, at least one of which is typically a portable device (e.g., a smartphone, etc.), to establish communication by bringing the two electronic devices within a NFC range of each other (e.g., within 4 cm (1.6 in) of each other). NFC devices are used in contactless payment systems, similar to those used in credit cards and electronic ticket smartcards and allow mobile payment to replace and/or supplement conventional payment systems. 
     Host card emulation (HCE) is a software architecture that provides exact virtual representation of various electronic identity cards (e.g., access cards, transit cards, banking cards, etc.) using only software. For example, HCE enables a smartphone to perform card emulation on a NFC-enabled device without relying on access to a secure element. 
     However, conventional NFC HCE payment processing is manual, hardware intensive, requires a device to provision a token, and requires physically tapping the device onto a NFC terminal. For example, in order to initiate and/or perform an NFC HCE payment, a physical person manually touches the device to the NFC terminal or a robotic arm is used to manually touch the device to the NFC terminal. Further, multiple tokens (e.g., hundreds of tokens, thousands of tokens, etc.) for multiple payments cannot be provisioned on the device, read by the NFC terminal, and automatically provided to a payment processing network for payment processing without performing the physical tapping of the device onto the NFC terminal for each individual payment of the multiple payments. For example, conventional token-based payment processing testing uses a lab setup including extensive and specific hardware configured for the device and NFC terminal to perform the physical tapping and communicate with the payment processing network (e.g., an acquirer system, a payment gateway, a transaction service provider system, an issuer system, etc.), or relies on simulators that simulate token processing in a simulated payment processing network using mock data (e.g., without communicating with an actual payment processing network including an acquirer system, a payment gateway, a transaction service provider system, an issuer system, and/or the like). Moreover, conventional token-based payment processing testing does not allow for remote access to the device and/or the NFC terminal for performing remote testing of token-based payment processing in the payment processing network. For example, a remote tester cannot remotely access the device and NFC terminal to automatically process token-based payments between the device and the NFC terminal with the payment processing network. 
     SUMMARY OF THE INVENTION 
     Accordingly, provided are improved systems, devices, products, apparatus, and/or methods for automatic and remote control of NFC transaction processing. 
     According to a non-limiting embodiment or aspect, provided is a method for automatic and remote control of near-field communication (NFC) transaction processing, the method comprising: receiving, with a first device, transaction data associated with a transaction, wherein the first device and a second device are located within a NFC range of each other; automatically requesting, with the first device, a token associated with the transaction from a transaction processing network in response to receiving the transaction data; receiving, with the first device, the token from the transaction processing network; automatically and wirelessly transmitting, with the first device, the token to the second device via NFC in response to receiving the token from the transaction processing network; receiving, with the second device, the token from the first device via NFC; automatically transmitting, with the second device, the token to the transaction processing network in response to receiving the token from the first device; receiving, with the second device, an authorization response associated with the transaction from the transaction processing network; and determining, with at least one processor, a compatibility of at least one application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. 
     In some non-limiting embodiments or aspects, the method further comprises receiving, with the first device, the at least one application from a remote device; installing, with the first device, the at least one application on the first device; and providing, with the first device, the transaction data to the first device using the at least one application, wherein determining the compatibility comprises determining a compatibility of using the at least one application on the first device with the transaction processing network. 
     In some non-limiting embodiments or aspects, the at least one application comprises an electronic wallet application. 
     In some non-limiting embodiments or aspects, the method further comprises receiving, with the second device, the at least one application from a remote device; installing, with the second device, the at least one application on the second device; and controlling, with the second device, receipt of the token from the first device via NFC using the at least one application, wherein determining the compatibility comprises determining a compatibility of using the at least one application on the second device with the transaction processing network. 
     In some non-limiting embodiments or aspects, the at least one application comprises a point-of-sale application programmed or configured to receive, process, and provide data associated with conducting the transaction. 
     In some non-limiting embodiments or aspects, the method further comprises receiving, with the first device, the transaction data from the at least one application, wherein the at least one application is installed on a remote device. 
     In some non-limiting embodiments or aspects, the transaction data is associated with a plurality of transactions, and the method further comprises: automatically requesting, with the first device, a plurality of tokens associated with the plurality of transactions from the transaction processing network in response to receiving the transaction data; and substantially simultaneously receiving, with the second device, the plurality of tokens from the first device. 
     According to a non-limiting embodiment or aspect, provided is a system for automatic and remote control of near-field communication (NFC) transaction processing comprising: a testing system remotely accessible by a remote device via a communication network, the testing system comprising a first device and a second device located within a NFC range of each other, wherein the first device is programmed or configured to: receive transaction data associated with a transaction from the remote device via the communication network; automatically request a token associated with the transaction from a transaction processing network in response to receiving the transaction data; receive the token from the transaction processing network; and automatically and wirelessly transmit the token to the second device via NFC in response to receiving the token from the transaction processing network, and wherein the second device is programmed or configured to: receive, the token from the first device via NFC; automatically transmit the token to the transaction processing network in response to receiving the token from the first device; and receive an authorization response associated with the transaction from the transaction processing network; and at least one processor programmed or configured to determine a compatibility of at least one application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. 
     In some non-limiting embodiments or aspects, the first device is further programmed or configured to: receive the at least one application from the remote device; install the at least one application on the first device; and provide the transaction data to the first device using the at least one application, and the at least one processor is further programmed or configured to determine the compatibility by determining a compatibility of using the at least one application on the first device with the transaction processing network. 
     In some non-limiting embodiments or aspects, the at least one application comprises an electronic wallet application. 
     In some non-limiting embodiments or aspects, the second device is further programmed or configured to: receive the at least one application from the remote device; install the at least one application on the second device; and control receipt of the token from the first device via NFC using the at least one application, and wherein the at least one processor is further programmed or configured to determine the compatibility by determining a compatibility of using the at least one application on the second device with the transaction processing network. 
     In some non-limiting embodiments or aspects, the at least one application comprises a point-of-sale application programmed or configured to receive, process, and provide data associated with conducting the transaction. 
     In some non-limiting embodiments or aspects, the first device is further programmed or configured to receive the transaction data from the at least one application, and the at least one application is installed on the remote device. 
     In some non-limiting embodiments or aspects, the transaction data is associated with a plurality of transactions, the first device is further programmed or configured to automatically request a plurality of tokens associated with the plurality of transactions from the transaction processing network in response to receiving the transaction data, and the second device is further programmed or configured to substantially simultaneously receive the plurality of tokens from the first device. 
     In some non-limiting embodiments or aspects, the at least one processor is further programmed or configured to provide data associated with the compatibility of the at least one application to the remote communication device via the communication network, and the data comprises an indication of whether the transaction is successfully processed by the transaction processing network. 
     According to a non-limiting embodiment or aspect, provided is a computer program product for automatic and remote control of near-field communication (NFC) transaction processing, the computer program product comprising at least one non-transitory computer-readable medium comprising one or more instructions that, when executed by at least one processor, cause the at least one processor to: control a first device to receive transaction data associated with a transaction, wherein the first device and a second device are located within a NFC range of each other; control the first device to automatically request a token associated with the transaction from a transaction processing network in response to receiving the transaction data; control the first device to receive the token from the transaction processing network; control the first device to automatically and wirelessly transmit the token to the second device via NFC in response to receiving the token from the transaction processing network; control the second device to receive the token from the first device; control the second device to automatically transmit the token to the transaction processing network in response to receiving the token from the first device; control the second device to receive an authorization response associated with the transaction from the transaction processing network; and determine a compatibility of at least one application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. 
     In some non-limiting embodiments or aspects, the one or more instructions further cause the at least one processor to: control the first device to receive the at least one application from a remote device; control the first device to install the at least one application on the first device; and control the first device to provide the transaction data to the first device using the at least one application, and determine the compatibility by determining a compatibility of using the at least one application on the first device with the transaction processing network. 
     In some non-limiting embodiments or aspects, the at least one application comprises an electronic wallet application. 
     In some non-limiting embodiments or aspects, the one or more instructions further cause the at least one processor to: control the second device to receive the at least one application from a remote device; control the second device to install the at least one application on the second device; and control the second device to receive the token from the first device via NFC using the at least one application, and determine the compatibility by determining a compatibility of using the at least one application on the second device with the transaction processing network. 
     In some non-limiting embodiments or aspects, the at least one application comprises a point-of-sale application programmed or configured to receive, process, and provide data associated with conducting the transaction. 
     Further embodiments or aspects are set forth in the following numbered clauses: 
     Clause 1: A method for automatic and remote control of near-field communication (NFC) transaction processing, the method comprising: receiving, with a first device, transaction data associated with a transaction, wherein the first device and a second device are located within a NFC range of each other; automatically requesting, with the first device, a token associated with the transaction from a transaction processing network in response to receiving the transaction data; receiving, with the first device, the token from the transaction processing network; automatically and wirelessly transmitting, with the first device, the token to the second device via NFC in response to receiving the token from the transaction processing network; receiving, with the second device, the token from the first device via NFC; automatically transmitting, with the second device, the token to the transaction processing network in response to receiving the token from the first device; receiving, with the second device, an authorization response associated with the transaction from the transaction processing network; and determining, with at least one processor, a compatibility of at least one application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. 
     Clause 2: The method of clause 1, further comprising: receiving, with the first device, the at least one application from a remote device; installing, with the first device, the at least one application on the first device; and providing, with the first device, the transaction data to the first device using the at least one application, wherein determining the compatibility comprises determining a compatibility of using the at least one application on the first device with the transaction processing network. 
     Clause 3: The method of any of clauses 1 and 2, wherein the at least one application comprises an electronic wallet application. 
     Clause 4: The method of any of clauses 1-3, further comprising: receiving, with the second device, the at least one application from a remote device; installing, with the second device, the at least one application on the second device; and controlling, with the second device, receipt of the token from the first device via NFC using the at least one application, wherein determining the compatibility comprises determining a compatibility of using the at least one application on the second device with the transaction processing network. 
     Clause 5: The method of any of clauses 1-4, wherein the at least one application comprises a point-of-sale application programmed or configured to receive, process, and provide data associated with conducting the transaction. 
     Clause 6: The method of any of clauses 1-5, further comprising receiving, with the first device, the transaction data from the at least one application, wherein the at least one application is installed on a remote device. 
     Clause 7: The method of any of clauses 1-6, wherein the transaction data is associated with a plurality of transactions, the method further comprising: automatically requesting, with the first device, a plurality of tokens associated with the plurality of transactions from the transaction processing network in response to receiving the transaction data; and substantially simultaneously receiving, with the second device, the plurality of tokens from the first device. 
     Clause 8: A system for automatic and remote control of near-field communication (NFC) transaction processing comprising: a testing system remotely accessible by a remote device via a communication network, the testing system comprising a first device and a second device located within a NFC range of each other, wherein the first device is programmed or configured to: receive transaction data associated with a transaction from the remote device via the communication network; automatically request a token associated with the transaction from a transaction processing network in response to receiving the transaction data; receive the token from the transaction processing network; and automatically and wirelessly transmit the token to the second device via NFC in response to receiving the token from the transaction processing network, and wherein the second device is programmed or configured to: receive, the token from the first device via NFC; automatically transmit the token to the transaction processing network in response to receiving the token from the first device; and receive an authorization response associated with the transaction from the transaction processing network; and at least one processor programmed or configured to determine a compatibility of at least one application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. 
     Clause 9: The system of clause 8, wherein the first device is further programmed or configured to: receive the at least one application from the remote device; install the at least one application on the first device; and provide the transaction data to the first device using the at least one application, and wherein the at least one processor is further programmed or configured to determine the compatibility by determining a compatibility of using the at least one application on the first device with the transaction processing network. 
     Clause 10: The system of any of clauses 8 and 9, wherein the at least one application comprises an electronic wallet application. 
     Clause 11: The system of any of clauses 8-10, wherein the second device is further programmed or configured to: receive the at least one application from the remote device; install the at least one application on the second device; and control receipt of the token from the first device via NFC using the at least one application, and wherein the at least one processor is further programmed or configured to determine the compatibility by determining a compatibility of using the at least one application on the second device with the transaction processing network. 
     Clause 12: The system of any of clauses 8-11, wherein the at least one application comprises a point-of-sale application programmed or configured to receive, process, and provide data associated with conducting the transaction. 
     Clause 13: The system of any of clauses 8-12, wherein the first device is further programmed or configured to receive the transaction data from the at least one application, and wherein the at least one application is installed on the remote device. 
     Clause 14: The system of any of clauses 8-13, wherein the transaction data is associated with a plurality of transactions, wherein the first device is further programmed or configured to automatically request a plurality of tokens associated with the plurality of transactions from the transaction processing network in response to receiving the transaction data, and wherein the second device is further programmed or configured to substantially simultaneously receive the plurality of tokens from the first device. 
     Clause 15: The system of any of clauses 8-14, wherein the at least one processor is further programmed or configured to provide data associated with the compatibility of the at least one application to the remote communication device via the communication network, and wherein the data comprises an indication of whether the transaction is successfully processed by the transaction processing network. 
     Clause 16: A computer program product for automatic and remote control of near-field communication (NFC) transaction processing, the computer program product comprising at least one non-transitory computer-readable medium comprising one or more instructions that, when executed by at least one processor, cause the at least one processor to: control a first device to receive transaction data associated with a transaction, wherein the first device and a second device are located within a NFC range of each other; control the first device to automatically request a token associated with the transaction from a transaction processing network in response to receiving the transaction data; control the first device to receive the token from the transaction processing network; control the first device to automatically and wirelessly transmit the token to the second device via NFC in response to receiving the token from the transaction processing network; control the second device to receive the token from the first device; control the second device to automatically transmit the token to the transaction processing network in response to receiving the token from the first device; control the second device to receive an authorization response associated with the transaction from the transaction processing network; and determine a compatibility of at least one application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. 
     Clause 17: The computer program product of clause 16, wherein the one or more instructions further cause the at least one processor to: control the first device to receive the at least one application from a remote device; control the first device to install the at least one application on the first device; control the first device to provide the transaction data to the first device using the at least one application; and determine the compatibility by determining a compatibility of using the at least one application on the first device with the transaction processing network. 
     Clause 18: The computer program product of any of clauses 16 and 17, wherein the at least one application comprises an electronic wallet application. 
     Clause 19: The computer program product of any of clauses 16-18, wherein the one or more instructions further cause the at least one processor to: control the second device to receive the at least one application from a remote device; control the second device to install the at least one application on the second device; control the second device to receive the token from the first device via NFC using the at least one application; and determine the compatibility by determining a compatibility of using the at least one application on the second device with the transaction processing network. 
     Clause 20: The computer program product of any of clauses 16-19 wherein the at least one application comprises a point-of-sale application programmed or configured to receive, process, and provide data associated with conducting the transaction. 
     These and other features and characteristics of the present invention, as well as the methods of operation and functions of the related elements of structures and the combination of parts and economies of manufacture, will become more apparent upon consideration of the following description and the appended claims with reference to the accompanying drawings, all of which form a part of this specification, wherein like reference numerals designate corresponding parts in the various figures. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the invention. As used in the specification and the claims, the singular form of “a,” “an,” and “the” include plural referents unless the context clearly dictates otherwise. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       Additional advantages and details of the invention are explained in greater detail below with reference to the exemplary embodiments or aspects that are illustrated in the accompanying schematic figures, in which: 
         FIG. 1  is a diagram of a non-limiting embodiment or aspect of an environment in which systems, devices, products, apparatus, and/or methods, described herein, may be implemented according to the principles of the present invention; 
         FIG. 2  is a diagram of a non-limiting embodiment or aspect of components of one or more devices of  FIG. 1 ; 
         FIG. 3  is a flowchart of a non-limiting embodiment or aspect of a process for automatic and remote control of near-field communication (NFC) transaction processing; 
         FIG. 4  is a signal flow diagram of a non-limiting embodiment or aspect of a process for automatic and remote control of near-field communication (NFC) transaction processing; and 
         FIGS. 5A-5C  are diagrams of an implementation of a non-limiting embodiment or aspect of the process shown in  FIG. 3 . 
     
    
    
     DESCRIPTION OF THE INVENTION 
     For purposes of the description hereinafter, the terms “end,” “upper,” “lower,” “right,” “left,” “vertical,” “horizontal,” “top,” “bottom,” “lateral,” “longitudinal,” and derivatives thereof shall relate to the invention as it is oriented in the drawing figures. However, it is to be understood that the invention may assume various alternative variations and step sequences, except where expressly specified to the contrary. It is also to be understood that the specific devices and processes illustrated in the attached drawings, and described in the following specification, are simply exemplary embodiments or aspects of the invention. Hence, specific dimensions and other physical characteristics related to the embodiments or aspects of the embodiments or aspects disclosed herein are not to be considered as limiting unless otherwise indicated. 
     No aspect, component, element, structure, act, step, function, instruction, and/or the like used herein should be construed as critical or essential unless explicitly described as such. Also, as used herein, the articles “a” and “an” are intended to include one or more items, and may be used interchangeably with “one or more” and “at least one.” Furthermore, as used herein, the term “set” is intended to include one or more items (e.g., related items, unrelated items, a combination of related and unrelated items, etc.) and may be used interchangeably with “one or more” or “at least one.” Where only one item is intended, the term “one” or similar language is used. Also, as used herein, the terms “has,” “have,” “having,” or the like are intended to be open-ended terms. Further, the phrase “based on” is intended to mean “based at least partially on” unless explicitly stated otherwise. 
     As used herein, the terms “communication” and “communicate” may refer to the reception, receipt, transmission, transfer, provision, and/or the like of information (e.g., data, signals, messages, instructions, commands, and/or the like). For one unit (e.g., a device, a system, a component of a device or system, combinations thereof, and/or the like) to be in communication with another unit means that the one unit is able to directly or indirectly receive information from and/or transmit information to the other unit. This may refer to a direct or indirect connection that is wired and/or wireless in nature. Additionally, two units may be in communication with each other even though the information transmitted may be modified, processed, relayed, and/or routed between the first and second unit. For example, a first unit may be in communication with a second unit even though the first unit passively receives information and does not actively transmit information to the second unit. As another example, a first unit may be in communication with a second unit if at least one intermediary unit (e.g., a third unit located between the first unit and the second unit) processes information received from the first unit and communicates the processed information to the second unit. In some non-limiting embodiments or aspects, a message may refer to a network packet (e.g., a data packet and/or the like) that includes data. It will be appreciated that numerous other arrangements are possible. It will be appreciated that numerous other arrangements are possible. 
     As used herein, the terms “issuer institution,” “portable financial device issuer,” “issuer,” or “issuer bank” may refer to one or more entities that provide one or more accounts to a user (e.g., customer, consumer, and/or the like) for conducting transactions (e.g., payment transactions), such as initiating credit card payment transactions and/or debit card payment transactions. For example, an issuer institution may provide an account identifier, such as a personal account number (PAN), to a user that uniquely identifies one or more accounts associated with that user. The account identifier may be embodied on a portable financial device, such as a physical financial instrument (e.g., a payment card), and/or may be electronic and used for electronic payments. In some non-limiting embodiments or aspects, an issuer institution may be associated with a bank identification number (BIN) that uniquely identifies the issuer institution. As used herein “issuer institution system” may refer to one or more computer systems operated by or on behalf of an issuer institution, such as a server computer executing one or more software applications. For example, an issuer institution system may include one or more authorization servers for authorizing a payment transaction. 
     As used herein, the term “account identifier” may refer to one or more types of identifiers associated with a user account (e.g., an account identifier, a PAN, a card number, a payment card number, a token, and/or the like). In some non-limiting embodiments or aspects, an issuer institution may provide an account identifier (e.g., a PAN, a token, and/or the like) to a user that uniquely identifies one or more accounts associated with that user. The account identifier may be embodied on a physical financial instrument (e.g., a portable financial device, a payment card, a credit card, a debit card, and/or the like) and/or may be electronic information communicated to the user that the user may use for electronic payment transactions. In some non-limiting embodiments or aspects, the account identifier may be an original account identifier, where the original account identifier was provided to a user at the creation of the account associated with the account identifier. In some non-limiting embodiments or aspects, the account identifier may be an account identifier (e.g., a supplemental account identifier) that is provided to a user after the original account identifier was provided to the user. For example, if the original account identifier is forgotten, stolen, and/or the like, a supplemental account identifier may be provided to the user. In some non-limiting embodiments or aspects, an account identifier may be directly or indirectly associated with an issuer institution such that an account identifier may be a token that maps to a PAN or other type of identifier. Account identifiers may be alphanumeric, any combination of characters and/or symbols, and/or the like. 
     As used herein, the term “token” may refer to an identifier that is used as a substitute or replacement identifier for an account identifier, such as a PAN. A token may be used as a substitute or replacement identifier for an original account identifier, such as a PAN. Tokens may be associated with a PAN or other original account identifier in one or more data structures (e.g., one or more databases and/or the like) such that they may be used to conduct a transaction without directly using the original account identifier. In some non-limiting embodiments or aspects, an original account identifier, such as a PAN, may be associated with a plurality of tokens for different individuals or purposes. In some non-limiting embodiments or aspects, tokens may be associated with a PAN or other account identifiers in one or more data structures such that they can be used to conduct a transaction without directly using the account identifier, such as a PAN. In some examples, an account identifier, such as a PAN, may be associated with a plurality of tokens for different uses or different purposes. 
     As used herein, the term “token issuer” may refer to one or more entities that generate, process, and maintain tokens. As used herein “token issuer system” may refer to one or more computer systems operated by or on behalf of a token issuer, such as a server executing one or more software applications. For example, a token issuer system may include or be in communication with a token vault where generated tokens are stored. As an example, the token vault may maintain a mapping between a token and a primary account number (PAN) represented by a token. 
     As used herein, the term “merchant” may refer to one or more entities (e.g., operators of retail businesses) that provide goods and/or services, and/or access to goods and/or services, to a user based on a transaction, such as a payment transaction. As used herein “merchant system” may refer to one or more computer systems operated by or on behalf of a merchant, such as a server executing one or more software applications. As used herein, the term “product” may refer to one or more goods and/or services offered by a merchant. 
     As used herein, a “point-of-sale (POS) device” may refer to one or more devices, which may be used by a merchant to conduct a transaction (e.g., a payment transaction) and/or process a transaction. For example, a POS device may include one or more computers, peripheral devices, card readers, near-field communication (NFC) receivers, radio frequency identification (RFID) receivers, and/or other contactless transceivers or receivers, contact-based receivers, payment terminals, computers, servers, input devices, and/or the like. As an example, a POS device may use a POS application installed on the POS device to receive, process, and/or provide data associated with conducting the transaction and/or processing the transaction. 
     As used herein, a “POS system” may refer to one or more computers and/or peripheral devices used by a merchant to conduct a transaction. For example, a POS system may include one or more POS devices, and/or other like devices that may be used to conduct a payment transaction. A POS system (e.g., a merchant POS system) may also include one or more server computers programmed or configured to process online payment transactions through webpages, mobile applications, and/or the like. 
     As used herein, the term “transaction service provider” may refer to an entity that receives transaction authorization requests from merchants or other entities and provides guarantees of payment, in some cases through an agreement between the transaction service provider and an issuer institution. For example, a transaction service provider may include a payment network, such as Visa®, MasterCard®, American Express®, or any other entity that processes transactions. As used herein “transaction service provider system” may refer to one or more computer systems operated by or on behalf of a transaction service provider, such as a transaction service provider system executing one or more software applications. A transaction service provider system may include one or more processors and, in some non-limiting embodiments or aspects, may be operated by or on behalf of a transaction service provider. 
     As used herein, the term “portable financial device” may refer to a payment card (e.g., a credit card, a debit card, an ATM card, and/or the like), a gift card, a smartcard, a payroll card, a healthcare card, a loyalty card, a merchant discount card, a security card, an access card, and/or the like. The portable financial device may include volatile or non-volatile memory to store information (e.g., an account identifier, a name of the account holder, and/or the like). 
     As used herein, the terms “client” and “client device” may refer to one or more client-side devices or systems, remote from a transaction service provider, used to initiate or facilitate a transaction. As an example, a “client device” may refer to one or more POS devices and/or POS systems used by a merchant. In some non-limiting embodiments or aspects, a client device may be any electronic device configured to communicate with one or more networks and initiate or facilitate transactions such as, but not limited to, one or more computers, portable computers (e.g., tablet computers), mobile devices (e.g., cellular phones, smartphones, wearable devices, such as watches, glasses, lenses, and/or clothing, PDAs, and/or the like), and/or other like devices. Moreover, a “client” may also refer to an entity, such as a merchant, that owns, utilizes, and/or operates a client device for initiating transactions with a transaction service provider. 
     As used herein, the term “server” may refer to one or more computing devices, such as processors, storage devices, and/or similar computer components that communicate with client devices and/or other computing devices over a network, such as the Internet or private networks, and, in some examples, facilitate communication among other servers and/or client devices. It will be appreciated that various other arrangements are possible. As used herein, the term “system” may refer to one or more computing devices or combinations of computing devices such as, but not limited to, processors, servers, client devices, software applications, and/or other like components. In addition, reference to “a server” or “a processor,” as used herein, may refer to a previously-recited server and/or processor that is recited as performing a previous step or function, a different server and/or processor, and/or a combination of servers and/or processors. For example, as used in the specification and the claims, a first server and/or a first processor that is recited as performing a first step or function may refer to the same or different server and/or a processor recited as performing a second step or function. 
     As used herein, the terms “electronic wallet,” “electronic wallet mobile application,” and “digital wallet” may refer to one or more electronic devices and/or one or more software applications configured to initiate and/or conduct transactions (e.g., payment transactions, electronic payment transactions, and/or the like). For example, an electronic wallet may include a user device (e.g., a mobile device) executing an application program and server-side software and/or databases for maintaining and providing transaction data to the user device. As used herein, the term “electronic wallet provider” may include an entity that provides and/or maintains an electronic wallet and/or an electronic wallet mobile application for a user (e.g., a customer). Examples of an electronic wallet provider include, but are not limited to, Google Wallet™, Android Pay®, Apple Pay®, and Samsung Pay®. In some non-limiting examples, a financial institution (e.g., an issuer institution) may be an electronic wallet provider. As used herein, the term “electronic wallet provider system” may refer to one or more computer systems, computer devices, servers, groups of servers, and/or the like operated by or on behalf of an electronic wallet provider. 
     As used herein, the term “acquirer” may refer to an entity licensed by the transaction service provider and/or approved by the transaction service provider to originate transactions using a portable financial device of the transaction service provider. Acquirer may also refer to one or more computer systems operated by or on behalf of an acquirer, such as a server computer executing one or more software applications (e.g., “acquirer server”). An “acquirer” may be a merchant bank, or in some cases, the merchant system may be the acquirer. The transactions may include original credit transactions (OCTs) and account funding transactions (AFTs). The acquirer may be authorized by the transaction service provider to sign merchants of service providers to originate transactions using a portable financial device of the transaction service provider. The acquirer may contract with payment facilitators to enable the facilitators to sponsor merchants. The acquirer may monitor compliance of the payment facilitators in accordance with regulations of the transaction service provider. The acquirer may conduct due diligence of payment facilitators and ensure that proper due diligence occurs before signing a sponsored merchant. Acquirers may be liable for all transaction service provider programs that they operate or sponsor. Acquirers may be responsible for the acts of its payment facilitators and the merchants it or its payment facilitators sponsor. 
     As used herein, the term “originator” may refer to an entity that offers OCT, AFT, multi-OCT, multi-AFT, or some combination thereof services to its consumers. Originator may also refer to one or more computer systems operated by or on behalf of an originator. The originator may be a merchant, as defined above. In addition to being a merchant, the originator may or may not also be an acquirer of the transaction service provider. If the originator is not also an acquirer associated with the transaction service provider, the originator may be sponsored by an acquirer associated with the transaction service provider. 
     As used herein, the term “payment gateway” may refer to a payment processing system operated by or on behalf of an entity that contracts with an acquirer institution to provide transaction service provider payment services to one or more merchants using portable financial devices managed by the transaction service provider. 
     As used herein, the term “payment facilitator” may refer to a payment processing system operated by or on behalf of an entity that contracts with an acquirer to provide transaction service provider payment services using portable financial devices of the transaction service provider to merchants sponsored by the payment facilitator. A payment facilitator may also refer to the entity that operates such a payment processing system. The payment facilitator may execute a merchant acceptance agreement on behalf of an acquirer and/or receive settlement of transaction proceeds from an acquirer on behalf of a sponsored merchant. The payment facilitator may monitor all of its sponsored merchant activity in accordance with regulations of the transaction service provider. 
     Non-limiting embodiments or aspects of the present invention are directed to systems, methods and computer program products for automatic and remote control of near-field communication (NFC) transaction processing. In some non-limiting embodiments or aspects, a method may include receiving transaction data associated with a transaction, automatically requesting a token associated with the transaction from a transaction processing network in response to receiving the transaction data, receiving the token from the transaction processing network, automatically and wirelessly transmitting the token from a first device to a second device via NFC in response to receiving the token from the transaction processing network, automatically transmitting the token to the transaction processing network in response to receiving the token from the first device, receiving an authorization response associated with the transaction from the transaction processing network, and determining a compatibility of an application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. 
     In this way, embodiments or aspects of the present invention may reduce or eliminate a hardware dependency on physically tapping devices and/or on physical procurement of specific devices or hardware to test those specific devices or hardware, enable automatic end-to-end processing of transactions, and/or provides for remote access to a testing system (e.g., two devices in located within a NFC range of each other) for provisioning and processing transactions with the transaction processing network that enables a remote user to execute an end-to-end transaction flow using the two devices for transaction processing testing with the transaction processing network as though the remote user has the devices in hand. Accordingly, processing of transactions can be more automatic, more accessible to remote users for remotely testing applications (e.g., electronic wallet applications, POS terminal application, etc.), and/or increase a processing speed of a testing system for processing token-based transactions. 
     Referring now to  FIG. 1 ,  FIG. 1  is a diagram of an example environment  100  in which devices, systems, and/or methods, described herein, may be implemented. As shown in  FIG. 1 , environment  100  includes testing system  102  including first device  104  and/or second device  106 , remote device  108 , communication network  110 , and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122 . Testing system  102  including first device  104  and/or second device  106 , remote device  108 , communication network  110 , and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  may interconnect (e.g., establish a connection to communicate) via wired connections, wireless connections, or a combination of wired and wireless connections. 
     Testing system  102  may include first device  104  and second device  106  located within a short range wireless communication connection range of each other. For example, testing system  102  may include first device  104  and second device  106  located within a NFC range of each other. As an example, testing system  102  can include first device  104  and second device  106  spaced apart (e.g. permanently spaced apart, etc.) from each other at a testing location. In some non-limiting embodiments or aspects, the testing location and testing system  102  can be remote from and/or external to remote device  108  and/or transaction processing network  112 . 
     First device  104  (e.g., a user device, a client device, a POS device, etc.) may include one or more devices capable of receiving information from and/or communicating information to second device  106 , remote device  108 , and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110 . For example, first device  104  may include one or more devices capable of receiving information from and/or communicating information to second device  106  via a short range wireless communication connection (e.g., an NFC communication connection, an RFID communication connection, a Bluetooth® communication connection, and/or the like). As an example, first device  104  may include one or more devices capable of receiving information from and/or communicating information to remote device  108  and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110 . In some non-limiting embodiments or aspects, first device  104  may include an application associated with first device  104 , such as an application stored on first device  104 , a mobile application (e.g., a mobile device application, a native application for a mobile device, a mobile cloud application for a mobile device, and/or the like) stored on first device  104 , and/or the like. 
     Second device  106  (e.g., a user device, a client device, a POS device, etc.) may include one or more devices capable of receiving information from and/or communicating information to first device  104 , remote device  108 , and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110 . For example, second device  106  may include one or more devices capable of receiving information from and/or communicating information to first device  104  via a short range wireless communication connection (e.g., an NFC communication connection, an RFID communication connection, a Bluetooth® communication connection, and/or the like). As an example, first device  104  may include one or more devices capable of receiving information from and/or communicating information to remote device  108  and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110 . In some non-limiting embodiments or aspects, second device  106  may include an application associated with second device  106 , such as an application stored on second device  106 , a mobile application (e.g., a mobile device application, a native application for a mobile device, a mobile cloud application for a mobile device, and/or the like) stored on second device  106 , and/or the like. 
     In some non-limiting embodiments or aspects, second device  106  includes a merchant system. For example, the merchant system may be associated with a merchant as described herein. As an example, second device  106  may enable a merchant to communicate information to transaction service provider system  116 . In some non-limiting embodiments or aspects, second device  106  may include one or more devices, such as computers, computer systems, and/or peripheral devices capable of being used by a merchant to conduct a payment transaction with a user. For example, second device  106  may include a POS device and/or a POS system. 
     In some non-limiting embodiments or aspects, testing system  102  may include one or more other devices (not shown) capable of receiving information from first device  104 , second device  106 , remote device  108 , and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110  and/or communicating information to first device  104 , second device  106 , remote device  108 , communication network  110 , and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via network  110 . For example, testing system  102  may include a computing device, such as a server (e.g., a testing server), a group of servers, and/or other like devices. As an example, testing system  102  may include one or more other devices programmed or configured to control one or more operations or functions (e.g., transmitting, receiving, processing, etc.) of first device  104  and/or second device  106 . 
     Remote device  108  (e.g., a server, a user device, a client device, a POS device, etc.) may include one or more devices capable of receiving information from and/or communicating information to first device  104 , second device  106 , and/or transaction processing network  112  including mobile application system  114 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110 . In some non-limiting embodiments or aspects, remote device  108  may include an application associated with remote device  108 , such as an application stored on remote device  108 , a mobile application (e.g., a mobile device application, a native application for a mobile device, a mobile cloud application for a mobile device, and/or the like) stored on remote device  108 , and/or the like. 
     Network  110  may include one or more wired and/or wireless networks. For example, network  110  may include a cellular network (e.g., a long-term evolution (LTE) network, a third generation (3G) network, a fourth generation (4G) network, a code division multiple access (CDMA) network, etc.), a public land mobile network (PLMN), a local area network (LAN), a wide area network (WAN), a metropolitan area network (MAN), a telephone network (e.g., the public switched telephone network (PSTN)), a private network, an ad hoc network, an intranet, the Internet, a fiber optic-based network, a cloud computing network, and/or the like, and/or a combination of these or other types of networks. 
     Mobile application system  114  may include one or more devices capable of receiving information from testing system  102  including first device  104  and/or second device  106 , remote device  108 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110  and/or communicating information to testing system  102  including first device  104  and/or second device  106 , remote device  108 , transaction service provider system  116 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110 . For example, mobile application system  114  may include a computing device, such as a server, a group of servers, and/or other like devices operated by or on behalf of an application provider that provides and/or maintains an application for a user on a user device (e.g., a customer). For example, the user device (e.g., a mobile device) can execute an application program, and server-side software and/or databases can maintain and provide data associated with the application to the user device and/or transaction processing network  112 . In some non-limiting embodiments or aspects, mobile application system  114  may be associated with an electronic wallet provider and/or an electronic wallet provider system as described herein. 
     Transaction service provider system  116  may include one or more devices capable of receiving information from testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110  and/or communicating information to testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , token system  118 , acquirer system  120 , and/or issuer system  122  via communication network  110 . For example, transaction service provider system  116  may include a computing device, such as a server (e.g., a transaction processing server), a group of servers, and/or other like devices. In some non-limiting embodiments or aspects, transaction service provider system  116  may be associated with a transaction service provider as described herein. In some non-limiting embodiments or aspects, transaction service provider system  116  may be in communication with a data storage device, which may be local or remote to the transaction service provider system  116 . In some non-limiting embodiments or aspects, transaction service provider system  116  may be capable of receiving information from, storing information in, communicating information to, or searching information stored in data storage device. 
     Token system  118  may include one or more devices capable of receiving information from testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , transaction service provider system  116 , acquirer system  120 , and/or issuer system  122  via communication network  110  and/or communicating information to testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , transaction service provider system  116 , acquirer system  120 , and/or issuer system  122  via communication network  110 . For example, token system  118  may include a computing device, such as a server (e.g., a transaction processing server), a group of servers, and/or other like devices. In some non-limiting embodiments or aspects, token system  118  may be associated with a token issuer as described herein. In some non-limiting embodiments or aspects, token system  118  may be implemented in transaction service provider system  116  as shown in  FIG. 1 , or as a separate system separate from transaction service provider system  116 . 
     Acquirer system  120  may include one or more devices capable of receiving information from testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , transaction service provider system  116 , token system  118 , and/or issuer system  122  via communication network  110  and/or communicating information to testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , transaction service provider system  116 , token system  118 , and/or issuer system  122  via communication network  110 . For example, token system  118  may include a computing device, such as a server, a group of servers, and/or other like devices. In some non-limiting embodiments or aspects, acquirer system  120  may be associated with one or more of an acquirer, an originator, a payment gateway, and/or a payment facilitator, as described herein. 
     Issuer system  122  may include one or more devices capable of receiving information from testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , transaction service provider system  116 , token system  118 , and/or acquirer system  120  via communication network  110  and/or communicating information to testing system  102  including first device  104  and/or second device  106 , remote device  108 , mobile application system  114 , transaction service provider system  116 , token system  118 , and/or acquirer system  120  via communication network  110 . For example, issuer system  122  may include a computing device, such as a server, a group of servers, and/or other like devices. In some non-limiting embodiments or aspects, issuer system  122  may be associated with an issuer institution as described herein. For example, issuer system  122  may be associated with an issuer institution that issued a credit account, debit account, credit card, debit card, and/or the like to a user associated with a user device. 
     The number and arrangement of devices and networks shown in  FIG. 1  are provided as an example. There may be additional devices and/or networks, fewer devices and/or networks, different devices and/or networks, or differently arranged devices and/or networks than those shown in  FIG. 1 . Furthermore, two or more devices shown in  FIG. 1  may be implemented within a single device, or a single device shown in  FIG. 1  may be implemented as multiple, distributed devices. Additionally, or alternatively, a set of devices (e.g., one or more devices) of environment  100  may perform one or more functions described as being performed by another set of devices of environment  100 . 
     Referring now to  FIG. 2 ,  FIG. 2  is a diagram of example components of a device  200 . Device  200  may correspond to one or more devices of testing system  102 , first device  103 , second device  106 , remote device  108 , one or more devices of transaction processing network  112 , one or more devices of mobile application system  114 , one or more devices of transaction service provider system  116 , one or more devices of token system  118 , one or more devices of acquirer system  120 , and/or more or more devices of issuer system  122 . In some non-limiting embodiments or aspects, testing system  102 , first device  104 , second device  106 , remote device  108 , one or more devices of testing system  102 , first device  104 , second device  106 , remote device  108 , one or more devices of transaction processing network  112 , one or more devices of mobile application system  114 , one or more devices of transaction service provider system  116 , one or more devices of token system  118 , one or more devices of acquirer system  120 , and/or more or more devices of issuer system  122  can include at least one device  200  and/or at least one component of device  200 . As shown in  FIG. 2 , device  200  may include a bus  202 , a processor  204 , memory  206 , a storage component  208 , an input component  210 , an output component  212 , and a communication interface  214 . 
     Bus  202  may include a component that permits communication among the components of device  200 . In some non-limiting embodiments or aspects, processor  204  may be implemented in hardware, firmware, or a combination of hardware and software. For example, processor  204  may include a processor (e.g., a central processing unit (CPU), a graphics processing unit (GPU), an accelerated processing unit (APU), etc.), a microprocessor, a digital signal processor (DSP), and/or any processing component (e.g., a field-programmable gate array (FPGA), an application-specific integrated circuit (ASIC), etc.) that can be programmed to perform a function. Memory  206  may include random access memory (RAM), read only memory (ROM), and/or another type of dynamic or static storage device (e.g., flash memory, magnetic memory, optical memory, etc.) that stores information and/or instructions for use by processor  204 . 
     Storage component  208  may store information and/or software related to the operation and use of device  200 . For example, storage component  208  may include a hard disk (e.g., a magnetic disk, an optical disk, a magneto-optic disk, a solid state disk, etc.), a compact disc (CD), a digital versatile disc (DVD), a floppy disk, a cartridge, a magnetic tape, and/or another type of computer-readable medium, along with a corresponding drive. 
     Input component  210  may include a component that permits device  200  to receive information, such as via user input (e.g., a touch screen display, a keyboard, a keypad, a mouse, a button, a switch, a microphone, etc.). Additionally, or alternatively, input component  210  may include a sensor for sensing information (e.g., a global positioning system (GPS) component, an accelerometer, a gyroscope, an actuator, etc.). Output component  212  may include a component that provides output information from device  200  (e.g., a display, a speaker, one or more light-emitting diodes (LEDs), etc.). 
     Communication interface  214  may include a transceiver-like component (e.g., a transceiver, a separate receiver and transmitter, etc.) that enables device  200  to communicate with other devices, such as via a wired connection, a wireless connection, or a combination of wired and wireless connections. Communication interface  214  may permit device  200  to receive information from another device and/or provide information to another device. For example, communication interface  214  may include an Ethernet interface, an optical interface, a coaxial interface, an infrared interface, a radio frequency (RF) interface, a universal serial bus (USB) interface, a Wi-Fi® interface, a cellular network interface, and/or the like. 
     Device  200  may perform one or more processes described herein. Device  200  may perform these processes based on processor  204  executing software instructions stored by a computer-readable medium, such as memory  206  and/or storage component  208 . A computer-readable medium (e.g., a non-transitory computer-readable medium) is defined herein as a non-transitory memory device. A memory device includes memory space located inside of a single physical storage device or memory space spread across multiple physical storage devices. 
     Software instructions may be read into memory  206  and/or storage component  208  from another computer-readable medium or from another device via communication interface  214 . When executed, software instructions stored in memory  206  and/or storage component  208  may cause processor  204  to perform one or more processes described herein. Additionally, or alternatively, hardwired circuitry may be used in place of or in combination with software instructions to perform one or more processes described herein. Thus, embodiments or aspects described herein are not limited to any specific combination of hardware circuitry and software. 
     The number and arrangement of components shown in  FIG. 2  are provided as an example. In some non-limiting embodiments or aspects, device  200  may include additional components, fewer components, different components, or differently arranged components than those shown in  FIG. 2 . Additionally, or alternatively, a set of components (e.g., one or more components) of device  200  may perform one or more functions described as being performed by another set of components of device  200 . 
     Referring now to  FIG. 3 ,  FIG. 3  is a flowchart of a non-limiting embodiment or aspect of a process  300  for automatic and remote control of NFC transaction processing. In some non-limiting embodiments or aspects, one or more of the steps of process  300  may be performed (e.g., completely, partially, etc.) by testing system  102  (e.g., one or more devices of testing system  102 , such as, first device  104 , second device  106 , one or more other devices, and/or the like). In some non-limiting embodiments or aspects, one or more of the steps of process  300  may be performed (e.g., completely, partially, etc.) by another device or a group of devices separate from or including testing system  102 , such as remote device  108 , transaction processing network  112  (e.g., one or more devices of transaction processing network  112 ), mobile application system  114  (e.g., one or more devices of mobile application system  114 ), transaction service provider system (e.g., one or more devices of transaction service provider system  116 ), token system  118  (e.g., one or more devices of token system  118 ), acquirer system (e.g., one or more devices of acquirer system  120 ), and/or issuer system  122  (e.g., more or more devices of issuer system  122 ). 
     As shown in  FIG. 3 , at step  302 , process  300  includes providing a testing system remotely accessible by a remote device via a communications network, the testing system including a first device and a second device located within a NFC range of each other. For example, testing system  102  includes first device  104  and second device  106  located within a NFC range of each other. As an example, testing system  102  (e.g., first device  104 , second device  106 , one or more other devices, etc.) can be accessed by remote device  108  via communication network  110 . 
     In some non-limiting embodiments or aspects, at least one of first device  104  and second device  106  is associated with at least one application. For example, first device  104  can be associated with an electronic wallet application. As an example, second device  106  can be associated with a POS application. In some non-limiting embodiments or aspects, first device  104  is associated with an internet-of-things (IOT) application that includes a payment solution. 
     In some non-limiting embodiments or aspects, first device  104  includes a first type of mobile device, second device  106  (and/or remote device  108 ) includes a second type of mobile device, and the first type of mobile device is different than the second type of mobile device. For example, a type of a mobile device may include one or more of the following: an operating system of the mobile device (e.g., Google&#39;s Android®, Apple&#39;s iOS®, etc.), an operating system version of the mobile device (e.g., Apple&#39;s iOS® 9.0, 11.3, etc.), a hardware architecture of the mobile device (e.g., processor type, NFC radio type, etc.), an application type (e.g., an electronic wallet application type or version, a POS application type or version, etc.), and/or the like. 
     In some non-limiting embodiments or aspects, the application is programmed or configured for one of the first type of mobile device and the second type of mobile device, and the application is not programmed or configured for the other of the first type of mobile device and the second type of mobile device (e.g., cannot be installed, initiated, and/or executed by the other of the first type of mobile device and the second type of mobile device). 
     As further shown in  FIG. 3 , at step  304 , process  300  includes receiving transaction data associated with a transaction. For example, testing system  102  can control first device  104  to receive transaction data associated with a transaction. As an example, first device  104  can receive transaction data associated with a transaction. 
     In some non-limiting embodiments or aspects, transaction data may include transaction parameters associated with transactions, such as payment transactions initiated and/or conducted with an electronic wallet application, and/or the like. Non-limiting examples of transaction parameters include: electronic wallet card data, PAN, transaction amount, transaction date and time, conversion rate of currency, merchant type, acquiring institution country, PAN country, response code, merchant name/location, type of currency, and/or the like. Response code may refer to a successful approval/completion of a transaction, denial because card reported as lost or stolen, do not honor, partial approval, VIP approval (VIP program), amount exceeds maximum, insufficient funds, incorrect PIN, suspected fraud, activity amount exceeded, allowable number of PIN-entry tries exceeded, and/or the like. 
     In some non-limiting embodiments or aspects, electronic wallet card data includes one or more of data associated with an identifier regarding a portable financial device to be provided to an electronic wallet application, data associated with an identifier of an issuer associated with the portable financial device to be provided to an electronic wallet application, data associated with an identifier of a transaction service provider associated with the portable financial device to be provided to an electronic wallet application, data associated with a name of a user associated with the portable financial device to be provided to an electronic wallet application, data associated with an account identifier of an account associated with the portable financial device to be provided to an electronic wallet application, and/or the like. In some non-limiting embodiments or aspects, first device  104  may store electronic wallet card data associated with the portable financial device in the electronic wallet application. 
     In some non-limiting embodiments or aspects, testing system  102  receives the transaction data associated with the transaction from remote device  108  via communication network  110 . In some non-limiting embodiments or aspects, first device  104  receives the transaction data from remote device  108  via communication network  110  and/or second device  106  via NFC. 
     In some non-limiting embodiments or aspects, first device  104  receives the application from remote device  108 , installs the application on first device  104 , and provides the transaction data to first device  104  using the application (e.g., implementing the application, initiating the application, executing the application, receiving, processing, and/or providing, with the application, data associated with a transaction, etc.). For example, an electronic wallet application installed on first device  104  can receive (e.g., from remote device  108 ) or include automated scripts for provisioning tokens (e.g., host card emulation (HCE) tokens) for account identifiers (e.g., PANs) associated with transactions and/or automated scripts for transmitting the tokens via NFC to second device  106 . As an example, remote device  108  can remotely control first device  104  by transmitting a command (e.g., via a text message, etc.) to first device  104  to initiate or execute the automated scripts for provisioning (e.g., requesting the tokens, receiving the tokens, providing the tokens, etc.). 
     In some non-limiting embodiments or aspects, first device  104  receives the transaction data from the application, and the application is installed on remote device  108 . For example, an electronic wallet application installed on remote device  108  can receive (e.g., from first device  104 ) or include automated scripts for provisioning tokens (e.g., host card emulation (HCE) tokens) for account identifiers (e.g., PANs) associated with transactions, and provide the tokens to first device  104  via communication network  110  for transaction processing with second device  106  and transaction processing network  112 . 
     In some non-limiting embodiments or aspects, first device  104  receives the transaction data from second device  106 , and the application is installed on second device  106 . For example, a POS application installed second device  106  can receive (e.g., from remote device  108 ) or include automated scripts for generating transaction data associated with a transaction, providing the transaction data to first device  104 , and receiving or reading the tokens (e.g., the HCE tokens) for the account identifiers (e.g., PANs) associated with the transactions that are provisioned by the electronic wallet application and/or automated scrips for transmitting the tokens to transaction processing network  112 . 
     As further shown in  FIG. 3 , at step  306 , process  300  includes automatically requesting a token associated with the transaction from a transaction processing network in response to receiving the transaction data. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can control first device  104  to automatically request a token associated with the transaction from transaction processing network  112  in response to receiving the transaction data. As an example, first device  104  can automatically request a token associated with the transaction from transaction processing network  112  in response to receiving the transaction data. 
     For example, and referring also to  FIG. 4 , in response to receiving the transaction data associated with the transaction (e.g., from remote device  108  via communication network  110 , etc.) at S 402 , first device  104  can transmit a provision token request and transaction data associated with the transaction to mobile application (MAP) system  114  at S 404 . At S 406 , mobile application system  114  can transmit the request and associated transaction data to transaction service provider (TSP) system  116  including token system  118 . At S 408 , transaction service provider system  116  including token system  118  can transmit a verification request for the provision token request and associated transaction data (e.g., a PAN, etc.) to issuer system  122 . At S 410 , issuer system  122  can verify the provisioning of the token and transmit a verification of the provision token request to transaction service provider system  116  including token system  118 . In response to receiving the verification of the provision token request, transaction service provider system  116  including token system  118  can transmit a token credential to MAP system  114  and provisions the token to first device  104  at S 412 , and can transmit a token created notification to issuer system  122  at S 414 . At S 416 , MAP system  114  can transmit a provisioning confirmation request to transaction service provider system  116  including token system  118 , and transaction service provider system  116  including token system  118  can transmit a token provisioned notification to issuer system  122  at S 418 . 
     In some non-limiting embodiments or aspects, the transaction data is associated with a plurality of transactions, and first device  104  automatically requests a plurality of tokens associated with the plurality of transactions from the transaction processing network in response to receiving the transaction data. In some non-limiting embodiments or aspects, first device  104  simultaneously requests the plurality of tokens associated with the plurality of transactions from the transaction processing network in response to receiving the transaction data. 
     As further shown in  FIG. 3 , at step  308 , process  300  includes receiving the token from the transaction processing network. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can control first device  104  to receive the token from transaction processing network  112 . As an example, first device  104  receives the token from transaction processing network  112 . 
     As further shown in  FIG. 3 , at step  310 , process  300  includes automatically and wirelessly transmitting the token from the first device to the second device via NFC in response to receiving the token from the transaction processing network. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can control first device  104  to automatically and wirelessly transmit the token from first device  104  to second device  106  via NFC in response to receiving the token from transaction processing network  112 . As an example, first device  104  can automatically and wirelessly transmit the token from first device  104  to second device  106  via NFC in response to receiving the token from transaction processing network  112 . 
     As further shown in  FIG. 3 , at step  312 , process  300  includes receiving the token from the first device via NFC. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can control second device  106  to receive the token from first device  104  via NFC. As an example, second device  106  can receive the token from first device  104  via NFC. For example, and referring also to  FIG. 4 , second device  106  can receive the token from first device  104  via NFC at S 420 . 
     In some non-limiting embodiments or aspects, second device  106  receives the application from remote device  108 , installs the application on second device  106 , and controls receipt of the token from first device  106  via NFC using the application (e.g., implementing the application, initiating the application, executing the application, receiving, processing, and/or providing, with the application, data associated with a transaction, etc.). For example, a POS application installed on second device  106  can receive (e.g., from remote device  108 ) or include automated scripts for receiving or reading the tokens (e.g., the HCE tokens) for the account identifiers (e.g., PANs) associated with the transactions that are provisioned by the electronic wallet application and/or automated scrips for transmitting the tokens to transaction processing network  112 . As an example, remote device  108  can remotely control second device  106  by transmitting a command (e.g., via a text message, etc.) to second device  106  to initiate or execute the automated scripts for receiving or reading the tokens from first device  104 . For example, automated scripts executing on the electronic wallet application on first device  104  and automated scripts executing on the POS application on second device  106  can communicate via NFC for automated, real-time transaction processing (e.g., continuous transaction processing) without physical intervention. Accordingly, remote device  108  can be provided with an end-to-end software-based connection from an electronic wallet application on first device  104  to a POS application on second device  106 , and through transaction processing network  112 , which enables automatic and remote processing, completion, and testing of NFC HCE payments, including HCE token provisioning and HCE token processing, from a remote location. 
     In some non-limiting embodiments or aspects, second device  106  simultaneously receives a plurality of tokens from first device  106 . For example, if the transaction data is associated with a plurality of transactions, second device  106  can simultaneously receive a plurality of tokens corresponding to the plurality of transactions from first device  104  via NFC. 
     As further shown in  FIG. 3 , at step  314 , process  300  includes automatically transmitting the token to the transaction processing network in response to receiving the token from the first device. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can control second device  106  to automatically transmit the token to transaction processing network  112  in response to receiving the token from first device  104 . As an example, second device  106  can automatically transmit the token to transaction processing network  112  in response to receiving the token from first device  104 . For example, and referring also to  FIG. 4 , in response to receiving the token from first device  104  via NFC at S 420 , second device  106  can automatically transmit the token to acquirer system  120  via communication network  110  at S 422 . 
     In some non-limiting embodiments or aspects, second device  106  simultaneously transmits a plurality of tokens to transaction processing network  112 . For example, if the transaction data is associated with a plurality of transactions, second device  106  can simultaneously transmit a plurality of tokens corresponding to the plurality of transactions to transaction processing network  112  via communication network  110 . 
     As further shown in  FIG. 3 , at step  316 , process  300  includes receiving an authorization response associated with the transaction from the transaction processing network. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can control second device  106  to receive an authorization response associated with the transaction from transaction processing network  112 . As an example, the authorization response may include the response code from transaction processing network  112  referring to a successful approval/completion of a transaction, denial because card reported as lost or stolen, do not honor, partial approval, VIP approval (VIP program), amount exceeds maximum, insufficient funds, incorrect token, incorrect PIN, suspected fraud, activity amount exceeded, allowable number of PIN-entry tries exceeded, and/or the like. 
     For example, and referring also to  FIG. 4 , in response to receiving the token from second device  106  at S 422 , acquirer system  120  can provide the token to transaction service provider system  116  including token system  118  at S 424 . At S 426  transaction service provider system  116  including token system  118  can determine the PAN associated with the token and transmit the token and associated PAN to issuer system  122 . At S 428 , issuer system  122  can transmit an authorization response associated with the transaction to transaction service provider system  116 , acquirer system  120 , and second device  106 , which is forwarded by transaction service provider system  116  at S 430  to acquirer system  120 , MAP system  114 , second device  106 , first device  104 , and/or remote device  108 . 
     As further shown in  FIG. 3 , at step  318 , process  300  includes determining a compatibility of an application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can determine a compatibility of an application associated with at least one of first device  104  and second device  106  with transaction processing network  112  based on the authorization response. As an example, first device  104 , second device  106 , and/or one or more other devices in testing system  102  can determine a compatibility of an application, which is associated with first device  104  and/or second device  106 , with transaction processing network  112  based on the authorization response. 
     In some non-limiting embodiments or aspects, a compatibility of an application, which is associated with first device  104  and/or second device  106 , with transaction processing network  112  is associated with a correct response code (e.g., approval, denial, etc.) being received for the transaction. For example, testing system  102  can compare the response code and/or other transaction data returned by transaction processing system  112  to the token and/or other transaction data received by second device  106  and/or submitted to transaction processing system  112  to determine the compatibility. As an example, testing system  102  can determine that an application is incompatible with one or more of first device  104 , second device  106 , and/or transaction processing network  112  (e.g., incompatible with token provisioning specifications, device specifications, communication specifications or protocols, data format specifications or protocols, etc. associated with first device  104 , second device  106 , and/or transaction processing network  112 ) in response to receiving an authorization response referring to a denial and/or error in processing of a transaction because of an incorrect token, a communication failure between one or more of first device  104 , second device  106 , and/or transaction processing network  112 , a data loss between one or more of first device  104 , second device  106 , and/or transaction processing network  112 , and/or the like. 
     In some non-limiting embodiments or aspects, testing system  102  (e.g., one or more devices of testing system  102 ) determines a compatibility of using the application (e.g., implementing the application, initiating the application, executing the application, receiving, processing, and/or providing, with the application, data associated with a transaction, etc.) on first device  104  with transaction processing network  112 . For example testing system  102  can determine a compatibility of an electronic wallet application on first device  104  with transaction processing network  112  (and/or a POS application on second device  106 ). 
     In some non-limiting embodiments or aspects, testing system  102  (e.g., one or more devices of testing system  102 ) determines a compatibility of using the application (e.g., implementing the application, initiating the application, executing the application, receiving, processing, and/or providing, with the application, data associated with a transaction, etc.) on second device  106  with transaction processing network  112 . For example, testing system  102  can determine a compatibility of a POS application on second device  106  with transaction processing network  112  (and/or an electronic wallet application on first device  104 ). 
     In some non-limiting embodiments or aspects, testing system  102  (e.g., one or more devices of testing system  102 ) transmits the authorization response to remote device  108 , and remote device  108  determines the compatibility of the application, which is associated first device  104  and/or second device  106 , with transaction processing network  112  based on the authorization response. 
     As further shown in  FIG. 3 , at step  318 , process  300  includes providing data associated with the compatibility of the application to the remote device via the communications network, the data including an indication of whether the transaction is successfully processed by the transaction processing network. For example, testing system  102  (e.g., one or more devices of testing system  102 ) can transmit data associated with the compatibility of the application to remote device  108  via communication network  110 , the data including an indication of whether the transaction is successfully processed by transaction processing network  112 . 
       FIGS. 5A-5C  are diagrams of an overview of a non-limiting embodiment or aspect of an implementation  500  relating to process  300  shown in  FIG. 3 . As shown in  FIGS. 5A-5C , implementation  500  may include mobile electronic wallet device  504 , POS device  506 , and/or transaction processing network  512 . In some non-limiting embodiments or aspects, mobile electronic wallet device  504  may be the same or similar to first device  104 . In some non-limiting embodiments or aspects, POS device  506  may be the same or similar to second device  106 . In some non-limiting embodiments or aspects, transaction processing network  512  may be the same or similar to transaction processing network  112 . 
     As shown by reference number  520  in  FIG. 5A , mobile electronic wallet device  504  may receive transaction data associated with a transaction. 
     As shown by reference number  525  in  FIG. 5A , mobile electronic wallet device  504  may automatically request a token associated with the transaction from transaction processing network  512  in response to receiving the transaction data. 
     As shown by reference number  530  in  FIG. 5A , mobile electronic wallet device  504  may receive the token from transaction processing network  512 . 
     As shown by reference number  535  in  FIG. 5B , mobile electronic wallet device  504  may communicate the token via NFC to POS device  506 . For example, mobile electronic wallet device  504  and POS device  506  can be located within a NFC range of each other. As an example, mobile electronic wallet device  504  may automatically and wirelessly transmit the token to POS device  506  via NFC in response to receiving the token from transaction processing network  512 , and POS device  506  may receive the token from mobile electronic wallet device  504  via NFC. 
     As shown by reference number  540  in  FIG. 5C , POS device  506  may automatically transmit the token to transaction processing network  512  in response to receiving the token from mobile electronic wallet device  504 . 
     As shown by reference number  545  in  FIG. 5C , POS device  506  may receive an authorization response associated with the transaction from transaction processing network  512 . 
     As shown by reference number  550  in  FIG. 5C , POS device  506  may determine a compatibility of an application, which is associated with mobile electronic wallet device  504  and/or POS device  506 , with transaction processing network  512  based on the authorization response. 
     Although the invention has been described in detail for the purpose of illustration based on what is currently considered to be the most practical and preferred embodiments or aspects, it is to be understood that such detail is solely for that purpose and that the invention is not limited to the disclosed embodiments or aspects, but, on the contrary, is intended to cover modifications and equivalent arrangements that are within the spirit and scope of the appended claims. For example, it is to be understood that the present invention contemplates that, to the extent possible, one or more features of any embodiment or aspect can be combined with one or more features of any other embodiment or aspect.