SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR UTILIZING ONE OR MORE PREFERRED APPLICATION LISTS IN A WIRELESS DEVICE READER

• US 20120109764A1
• Filed: 10/27/2011
• Published: 05/03/2012
• Est. Priority Date: 10/27/2010
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Martin, Philippe, Khan, Mohammad, Raynon, Jean-Christophe
• Granted Patent: US 8,799,087 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06F 7/08 Sorting, i.e. grouping record carriers in numerical or other ordered sequence according to the classification of at least some of the information they carry by merging two or more sets of carriers in ordered sequence G06F7/16
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments
• CPC Class Codes: G07F 7/0893 the card reader reading the card in a contactless manner
• CPC Class Codes: G16B 25/00 ICT specially adapted for hybridisation; ICT specially adapted for gene or protein expression

Abstract

The subject matter described herein includes systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader. A transaction terminal designates compatible application identifiers, where each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal. A proximity payment system environment (PPSE) application is configured to store user preferred application identifiers, where each user preferred application identifier is respectively associated with a to transaction application stored on the mobile wireless device. A wireless device reader for receives the compatible application identifiers from the transaction terminal, and stores the compatible application identifiers in preferred applications lists (PALs).

Claims

1. A system for utilizing one or more preferred application lists (PALs) in a wireless device reader, comprising:

a transaction terminal for designating a plurality of compatible application identifiers, wherein each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal;

a mobile wireless device provisioned with a proximity payment system environment (PPSE) application that is configured to store a plurality of user preferred application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device; and

a wireless device reader for receiving the plurality of compatible application identifiers from the transaction terminal, for storing the compatible application identifiers among a plurality of preferred applications lists (PALs) which includes a first PAL configured to store a first group of the compatible application identifiers, wherein each of the compatible application identifiers in the first group is assigned a priority indicator, for receiving a PPSE list containing the user preferred application identifiers from the PPSE application in response to an initiation of a wireless transaction by the mobile wireless device, for determining one or more matched application identifiers by comparing each of the compatible application identifiers contained in the first PAL with each of the user preferred application identifiers, for identifying a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier matches the compatible application identifier with the highest priority indicator stored in the first PAL, and for requesting transaction application data from the transaction application associated with the single matched application identifier.

2. The system of claim 1 wherein the plurality of preferred application lists includes a second PAL that is provisioned with a compatible application identifier of a second type.

3. The system of claim 2 wherein the wireless device reader is configured for sending a request message for transaction application data from a transaction application associated with a user preferred application identifier that matches the compatible application identifier of the second type.

4. The system of claim 3 wherein the wireless device reader is configured for bundling the transaction application data associated with both the single matched application identifier and the transaction application data associates with the compatible application identifier of the second type in a payload.

5. The system of claim 4 wherein the wireless device reader is configured to send the payload to the transaction terminal to process the wireless transaction.

6. The system of claim 1 wherein the first PAL is designated for listing compatible electronic payment card application identifiers and the second PAL is designated for listing compatible electronic loyalty card application identifiers.

7. The system of claim 6 wherein the wireless device reader includes a third PAL that is designated for listing at least one of:

compatible electronic coupon application identifiers, compatible electronic transit card application identifiers, and compatible electronic healthcare card application identifiers.

8. The system of claim 1 wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

9. The system of claim 1 wherein the wireless transaction includes a near field communication (NFC) transaction.

10. The system of claim 1 wherein the wireless device reader is further configured for requesting the PPSE list upon initiation of the wireless transaction.

11. The system of claim 1 wherein the PPSE list includes at least one of:

an image of user preferred application identifiers stored in the PPSE and FCI data.

12. The system of claim 1 wherein the transaction terminal includes a point of sale (POS) terminal.

13. A method for utilizing one or more preferred application lists in an NFC reader, the method comprising:

receiving, from a transaction terminal, a plurality of compatible application identifiers, wherein each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal;

storing the compatible application identifiers among a plurality of preferred applications lists (PALs) which includes a first PAL configured to store a first group of the compatible application identifiers, wherein each of the compatible application identifiers in the first group are assigned with a priority indicator;

receiving, from a mobile wireless device initiating a wireless transaction, a plurality of user preferred application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device;

determining one or more matched application identifiers by comparing each of the compatible application identifiers contained in the first PAL with each of the user preferred application identifiers;

identifying a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier matches the compatible application identifier with the highest priority indicator stored in the first PAL; and

requesting transaction application data from the transaction application associated with the single matched application identifier.

14. The method of claim 13 wherein the plurality of preferred application lists includes a second PAL that is provisioned with a compatible application identifier of a second type.

15. The method of claim 14 comprising sending a request message for transaction application data from a transaction application associated with a user preferred application identifier that matches the compatible application identifier of the second type.

16. The method of claim 15 comprising bundling the transaction application data associated with both the single matched application identifier and the transaction application data associates with the compatible application identifier of the second type in a payload.

17. The method of claim 16 comprising sending the payload to the transaction terminal to process the wireless transaction.

18. The method of claim 14 wherein the first PAL is designated for listing compatible electronic payment card application identifiers and the second PAL is designated for listing compatible electronic loyalty card application identifiers.

19. The method of claim 18 wherein the plurality of PALs includes a third PAL that is designated for listing at least one of:

compatible electronic coupon application identifiers, compatible electronic transit card application identifiers, and compatible electronic healthcare card application identifiers.

20. The method of claim 13 wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

21. The method of claim 13 wherein the wireless transaction includes a near field communication (NFC) transaction.

22. The method of claim 13 comprising requesting the PPSE list upon initiation of the wireless transaction.

23. The method of claim 13 wherein the PPSE list includes at least one of:

an image of user preferred application identifiers stored in the PPSE and file control information (FCI) data.

24. The method of claim 13 wherein the transaction terminal includes a point of sale (POS) terminal.

25. A system for requesting transaction application data, the system comprising:

a transaction terminal configured for designating a plurality of compatible application identifiers respectively associated with a plurality of transaction applications compatible with the transaction terminal;

a wireless mobile wireless device configured for storing a plurality of user preferred transaction application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device; and

a wireless device reader configured for storing the plurality of compatible application identifiers received from the transaction terminal, wherein each of the compatible application identifiers includes a priority indicator, for receiving the plurality of user preferred transaction application identifiers in response to an initiation of a wireless transaction by the wireless mobile wireless device, for determining one or more matched application identifiers by comparing each of the compatible application identifiers with each of the user preferred application identifiers, for identifying a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier matches the compatible application identifier with the highest priority indicator, and for requesting transaction application data from the transaction application associated with the single matched application identifier.

26. The system of claim 25, wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

27. The system of claim 25 wherein the wireless transaction includes a near field communication (NFC) transaction.

28. The system of claim 25 wherein the wireless device reader is further configured for requesting the PPSE list upon initiation of the wireless transaction.

29. The system of claim 25 wherein the plurality of user preferred transaction application identifiers is received as either an image of user preferred application identifiers stored in the PPSE or as file control information (FCI) data.

30. The system of claim 25 wherein the transaction terminal includes a point of sale (POS) terminal.

31. A method for requesting transaction application data, the method comprising:

receiving, from a transaction terminal, a plurality of compatible application identifiers respectively associated with a plurality of transaction applications compatible with the transaction terminal, wherein each of the compatible application identifiers includes a priority indicator;

receiving, from a mobile wireless device initiating a wireless transaction, a plurality of user preferred transaction application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device;

determining one or more matched application identifiers by comparing each of the compatible application identifiers with each of the user preferred application identifiers;

identifying a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier matches the compatible application identifier with the highest priority indicator; and

requesting, from the mobile wireless device, transaction application data from the transaction application associated with the single matched application identifier.

32. The method of claim 31 wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

33. The method of claim 31 wherein the wireless transaction includes a near field communication (NFC) transaction.

34. The method of claim 31 comprising requesting the plurality of user preferred transaction application identifiers upon initiation of the wireless transaction.

35. The method of claim 31 wherein the plurality of user preferred transaction application identifiers is received as either an image of user preferred application identifiers stored in the PPSE or as file control information (FCI) data.

36. The method of claim 31 wherein the transaction terminal includes a point of sale (POS) terminal.

37. A non-transitory computer readable medium having stored thereon comprising computer executable instructions that when executed by a processor of a computer control the computer to perform steps comprising:

receiving, from a transaction terminal, a plurality of compatible application identifiers respectively associated with a plurality of transaction applications compatible with the transaction terminal, wherein each of the compatible application identifiers includes a priority indicator;

receiving, from a mobile wireless device initiating a wireless transaction, a plurality of user preferred transaction application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device;

determining one or more matched application identifiers by comparing each of the compatible application identifiers with each of the user preferred application identifiers;

identifying a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier matches the compatible application identifier with the highest priority indicator; and

requesting, from the mobile wireless device, transaction application data from the transaction application associated with the single matched application identifier.