User-configurable priority list for mobile device electronic payment applications

• US 20070278290A1
• Filed: 06/06/2006
• Published: 12/06/2007
• Est. Priority Date: 06/06/2006
• Status: Active Grant

• Current Assignee: Google Technology Holdings LLC (Alphabet Inc.)
• Original Assignee: Motorola Mobility, Inc. (Lenovo Group Ltd.)
• Inventors: Messerges, Thomas S., Formoso, Ruben R.
• Granted Patent: US 8,016,192 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A mobile device as disclosed herein can support a plurality of electronic payment applications such as credit and/or debit applications. During a payment transaction, the mobile device communicates a priority list of the electronic payment applications to a point of sale terminal, which then selects one of the applications for completion of the payment transaction, where the selection is governed by the priority list. The data structure corresponding to the priority list is configured such that the end user of the mobile device has management access rights to at least some of the electronic payment applications. Such end user management access rights can be used to modify the relative priority of the electronic payment applications.

Claims

1. A method for managing electronic transaction applications for a mobile device, the method comprising:

maintaining, at the mobile device, a data structure that indicates priority for a plurality of electronic transaction applications associated with the mobile device;

providing end user management access to a subset of the data structure;

receiving end user instructions to modify a current priority of electronic transaction applications in the subset of the data structure; and

updating the data structure in response to the end user instructions.

2. A method according to claim 1, further comprising protecting a first portion of the data structure to prevent end user management access to the first portion.

3. A method according to claim 2, further comprising providing issuer management access to the first portion of the data structure.

4. A method according to claim 2, further comprising arranging the data structure such that each electronic transaction application corresponding to the first portion is of higher priority than any electronic transaction application corresponding to the subset of the data structure.

5. A method according to claim 1, further comprising providing issuer manager access to the subset of the data structure.

6. A method according to claim 1, further comprising authenticating an end user prior to providing end user management access to the subset of the data structure.

7. A method according to claim 1, wherein:

the data structure is realized in a payment negotiation application installed on the mobile device; and

updating the data structure comprises modifying a portion of the payment negotiation application without reinstalling the payment negotiation application on the mobile device.

8. A method according to claim 1, wherein:

each of the plurality of electronic transaction applications is a payment application; and

the data structure represents a payment application selection order for use during a payment transaction.

9. A method according to claim 1, further comprising:

indicating, at the mobile device, the current priority of electronic transaction applications in the subset of the data structure; and

obtaining control signals from a user interface of the mobile device, the end user instructions corresponding to the control signals.

10. A method according to claim 1, wherein the subset of the data structure is a proper subset of the data structure.

11. A mobile electronic device comprising:

a payment negotiation application;

a data structure accessible to the payment negotiation application, the data structure including data representing a plurality of electronic payment applications and data representing priority of the plurality of electronic payment applications, the priority influencing selection of one or more of the plurality of electronic payment applications for use during a payment transaction; and

a data structure control module coupled to the data structure, the data structure control module being configured to provide issuer management access to the data structure, and to provide end user management access to a subset of the data structure, the end user management access enabling an end user of the mobile device to modify the priority of the electronic payment applications corresponding to the subset of the data structure.

12. A mobile electronic device according to claim 11, further comprising a user interface coupled to the data structure control module, the user interface being configured to produce end user instructions to modify a current priority of electronic payment applications corresponding to the subset of the data structure, wherein the data structure control module is configured to update the data structure in response to the end user instructions.

13. A mobile electronic device according to claim 12, the user interface being configured to display the priority of the electronic payment applications corresponding to the subset of the data structure.

14. A mobile electronic device according to claim 11, the data structure control module being configured to protect a first portion of the data structure to prevent end user management access to the first portion of the data structure.

15. A mobile electronic device according to claim 14, the data structure being arranged such that each electronic payment application corresponding to the first portion of the data structure is of higher priority than any electronic payment application corresponding to the subset of the data structure.

16. A mobile electronic device according to claim 11, further comprising a security module coupled to the data structure control module, the security module being configured to authenticate an end user prior to providing end user management access to the subset of the data structure.

17. A mobile electronic device according to claim 11, wherein:

the data structure is realized in the payment negotiation application; and

the data structure control module is configured to modify the priority of the electronic payment applications corresponding to the subset of the data structure without reinstalling the payment negotiation application.

18. A mobile electronic device according to claim 11, the data structure comprising a prioritized list of the plurality of electronic payment applications.

19. A mobile electronic device according to claim 11, wherein the subset of the data structure is a proper subset of the data structure.

20. A mobile electronic device comprising:

memory configured to store a data structure including data representing a plurality of electronic transaction applications and data representing priority of the plurality of electronic transaction applications, the priority influencing selection of one of the plurality of electronic transaction applications for use during a transaction; and

a processing architecture coupled to the memory, the processing architecture being configured to;

provide end user management access to a subset of the data structure;

receive end user instructions to modify a current priority of electronic transaction applications corresponding to the subset of the data structure; and

update the data structure in response to the end user instructions.

21. A mobile device according to claim 20, the processing architecture being configured to protect a first portion of the data structure to prevent end user management access to the first portion of the data structure, and to provide issuer management access to the first portion of the data structure, the issuer management access enabling an issuer to modify the priority of the electronic transaction applications corresponding to the first portion of the data structure.

22. A mobile electronic device according to claim 21, the data structure being arranged such that each electronic transaction application corresponding to the first portion of the data structure is of higher priority than any electronic transaction application corresponding to the subset of the data structure.

23. A mobile electronic device according to claim 20, wherein:

each of the plurality of electronic transaction applications is a payment application; and

the data structure represents a payment application selection order for use during a payment transaction.

24. A mobile electronic device according to claim 20, wherein the subset of the data structure is a proper subset of the data structure.