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Over the air management of payment application installed in mobile device

  • US 10,115,099 B2
  • Filed: 01/29/2016
  • Issued: 10/30/2018
  • Est. Priority Date: 09/22/2008
  • Status: Active Grant
First Claim
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1. A computer-implemented method of controlling use of a payment application installed on a mobile device comprising a processor and a contactless element coupled to the processor, the method comprising:

  • receiving, by a server computer, a request to enable or disable user access to features or functions of the payment application;

    generating, by the server computer, a command message responsive to the request, the command message comprising control data that when executed by the processor, permits or denies access to the features or functions of the payment application, so that the mobile device including the payment application can only be used to conduct only certain types or amounts of purchases; and

    transmitting, by the server computer, the generated command message to the mobile device over a wireless network, wherein the processor executes the control data causing the payment application in the mobile device to permit or deny access to the features or functions of the payment application, so that the mobile device including the payment application can only be used to conduct only certain types or amounts of purchases at a terminal comprising a contactless reader in short range communication with the mobile device,wherein the control data includes one or more of an access control indicator, an alphanumeric data string, or a set of data values; and

    wherein the mobile device is configured to extract the control data from the command message and store the control data in a secure data storage of the mobile device.

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