METHOD AND SYSTEM FOR MULTIPLE PAYMENT APPLICATIONS

• US 20130110719A1
• Filed: 11/02/2011
• Published: 05/02/2013
• Est. Priority Date: 11/02/2011
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Carter, Ronald D., Phillips, Simon, Main, Jonathan
• Granted Patent: US 10,510,056 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• 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 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.

Claims

1. A method comprising:

receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from a plurality of proximity payment account numbers (PPANs) stored on the mobile device;

mapping the received PPAN to a primary account number (PAN) by a payment network provider;

generating an authorization request for the payment transaction based on the PAN and the payment transaction data;

receiving an authorization response in reply to the authorization request; and

providing an output including the authorization response and the PPAN.

2. The method of claim 1, wherein the mobile device is a mobile telephone.

3. The method of claim 1, wherein each of the plurality of PPANs corresponds to one of a plurality of payment device representations at the mobile device.

4. The method of claim 3, wherein the selected PPAN corresponds to a selection of one of the plurality of payment device representations at the mobile device.

5. The method of claim 1, wherein the PAN is associated with at least one of a credit card account, a charge card account, a debit card account, a stored value card account, a rewards program account, a remittance account, and a loyalty program account.

6. The method of claim 1, wherein the plurality of PPANs are stored in a secure element of the mobile device.

7. A method comprising:

receiving an indication of a payment device to associate with a future purchase transaction from a mobile device, the indicated payment device selected from at least one payment device representation at the mobile device;

receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from the mobile device;

mapping the received PPAN to a primary account number (PAN) associated with the indicated payment device;

generating an authorization request for the payment transaction based on the PAN and the payment transaction data;

receiving an authorization response message; and

providing an output including the authorization response message and the PPAN.

8. The method of claim 7, wherein the mobile device is a mobile telephone.

9. The method of claim 7, wherein each of the at least one payment device representation at the mobile device may be selectively associated with the PPAN.

10. The method of claim 7, wherein the PPAN and the indication of the payment device are received from the mobile device, at least in part, via a wireless communication network.

11. The method of claim 7, wherein the PAN is associated with at least one of a credit card account, a charge card account, a debit card account, a stored value card account, a rewards program account, a remittance account, and a loyalty program account.

12. The method of claim 7, wherein the PPAN is stored in a secure element of the mobile device.

13. A method comprising:

receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile phone device, the PPAN dynamically selected at the mobile device based on PPAN data stored on the mobile device and a payment device selected from at least one payment device representation at the mobile device;

mapping the received PPAN to a primary account number (PAN) by a payment network provider;

generating an authorization request for the payment transaction based on the PAN and the payment transaction data;

receiving an authorization response message; and

providing an output including the authorization response message and the PPAN.

14. The method of claim 13, wherein the mobile device is a mobile telephone.

15. The method of claim 13, wherein each of the at least one payment device representations at the mobile device may be selectively associated with the PPAN.

16. The method of claim 13, wherein the dynamic selection of the PPAN comprises generating the PPAN at the mobile device.

17. The method of claim 13, wherein the PAN is associated with at least one of a credit card account, a charge card account, a debit card account, a stored value card account, a rewards program account, a remittance account, and a loyalty program account.

18. The method of claim 13, wherein the PPAN are stored in a secure element of the mobile device.

19. The method of claim 13, wherein the PPAN dynamically selected at the mobile device based on PPAN data stored on the mobile device and a payment device selected from at least one payment device representation at the mobile device;