| CPC G06F 11/263 (2013.01) [G06F 11/261 (2013.01); G06F 11/2635 (2013.01); G06F 11/34 (2013.01); G06F 11/36 (2013.01); G06F 21/35 (2013.01); G06K 7/0095 (2013.01)] | 20 Claims |

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1. A method comprising:
retrieving, by a simulator application on a mobile device, a first data record from a resource file, the resource file storing a plurality of data records associated with a plurality of user devices, the plurality of data records including at least the first data record and a second data record;
generating, by the simulator application, a first interaction payload including the first data record;
providing, by the simulator application, the first interaction payload to a first contactless acceptance application stored on the mobile device, wherein the first contactless acceptance application causes the mobile device to transmit a first interaction message comprising the first interaction payload to a first service provider computer, wherein the first service provider computer processes a first test interaction using the first data record included in the first interaction payload;
retrieving, by the simulator application, the second data record from the resource file;
generating, by the simulator application, a second interaction payload including the second data record; and
providing, by the simulator application, the second interaction payload to the first contactless acceptance application, wherein the first contactless acceptance application causes the mobile device to transmit a second interaction message comprising the second interaction payload to the first service provider computer, wherein the first service provider computer processes a second test interaction using the second data record included in the second interaction payload.
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