SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR PERFORMING MULTIPLE TRANSACTIONS THROUGH A SINGLE NEAR FIELD COMMUNICATION (NFC) TAP

• US 20110244796A1
• Filed: 04/05/2011
• Published: 10/06/2011
• Est. Priority Date: 04/05/2010
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Clark, Aron, Raynon, Jean-Christophe, Martin, Philippe, Khan, Mohammad
• Granted Patent: US 8,811,892 B2
• Time in Patent Office: Days
• US Class Current: 455/41.1
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

The subject matter described herein includes a method of performing multiple transactions through a single near field communication (NFC) tap. The method includes storing, at a linking application in a wireless device, a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NFC tap. The method can further include detecting, by a wireless device reader, a linking application AID in the wireless device that identifies the linking application upon interfacing the wireless device with the wireless device reader through the single NFC tap. The method can include accessing, by the wireless device reader, the plurality of AIDs using the linking application. The method can further include processing the plurality of applications associated with the plurality of AIDs through the single NFC tap.

Claims

1. A system for performing multiple transactions through a single near field communication (NFC) tap, the system comprising:

a wireless device for storing a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NEC tap; and

a wireless device reader for detecting a linking application AID in the wireless device that identifies the linking application upon interfacing with the wireless device via the single NEC tap, for accessing the plurality of AIDS using the linking application, and for processing a plurality of applications associated with the plurality of AIDs.

2. The system according to claim 1, wherein the wireless device includes at least one of an NFC card, an NFC handset, an NEC tablet, or a contactless smart card.

3. The system of claim 1, wherein the plurality of AIDs is stored in a linked payment system environment (LPSE) application.

4. The system according to claim 3, wherein the plurality of AIDs is stored in the LPSE application using a graphical user interface of the wireless device.

5. The system according to claim 3, wherein the plurality of AIDs is stored in the LPSE application by the wireless device using location data.

6. The system according to claim 5, wherein the location data identifies a merchant location using GPS data, a smart poster, or triangulation data.

7. The system according to claim 3, wherein the linking application AID is stored in a proximity payment system environment (PPSE) application.

8. The system according to claim 1, wherein the linking application comprises a linked payment system environment (LPSE) application adapted to link the plurality of AIDs and communicate information to the wireless device reader regarding the linked plurality of AIDs upon interfacing the wireless device with the wireless device reader via the single NEC tap.

9. The system according to claim 8, wherein the LPSE application pushes the plurality of linked AIDs corresponding to a plurality of transaction applications to the wireless device reader.

10. The system according to claim 8, wherein the LPSE application communicates a specific order in which to process the linked AIDs to the wireless device reader.

11. A method of performing multiple transactions through a single near field communication (NFC) tap, the method comprising:

storing, at a linking application in a wireless device, a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NFC tap;

detecting, by a wireless device reader, a linking application AID in the wireless device that identifies the linking application upon interfacing the wireless device with the wireless device reader through the single NFC tap;

accessing, by the wireless device reader, the plurality of AIDs using the linking application; and

processing the plurality of applications associated with the plurality of AIDs through the single NEC tap.

12. The method according to claim 11, wherein storing the plurality of AIDs comprises storing the plurality of AIDs, at a linking application in at least one of an NEC card, an NFC handset, an NEC tablet, or a contactless smart card.

13. The method of claim 11, wherein storing the plurality of AIDs comprises storing the plurality of AIDs in a linked payment system environment (LPSE) application.

14. The method according to claim 13, wherein storing the plurality of AIDS in the LPSE application comprises selecting the plurality of AIDs using a graphical user interface of the wireless device.

15. The method according to claim 13, wherein storing the plurality of AIDS in the LPSE application comprises selecting the plurality of AIDs, by the wireless device, using location data.

16. The method according to claim 11, wherein the linking application AID is stored in a proximity payment system environment (PPSE) application.

17. The method according to claim 11, further comprising communicating information to the wireless device reader regarding the plurality of AIDs using the linking application.

18. The method according to claim 17, wherein communicating information to the wireless device reader comprises communicating an expected number of transactions to the wireless device reader.

19. The method according to claim 17, wherein communicating information to the wireless device reader comprises communicating a specific order in which to process the linked AIDs to the wireless device reader.

20. The method of claim 11, further comprising packaging all payloads in one packet for a point of sale (POS) terminal.

21. A non-transitory computer readable medium having stored thereon comprising computer executable instructions that when executed by a processor of a computer performs steps comprising:

storing, at a linking application in a wireless device, a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NEC tap;

detecting, by a wireless device reader, a linking application AID in the wireless device that identifies the linking application upon interfacing the wireless device with the wireless device reader through the single NEC tap;

accessing, by the wireless device reader, the plurality of AIDs using the linking application; and

processing the plurality of applications associated with the plurality of AIDs through the single NFC tap.