METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR PROVISIONING AND UTILIZING AN AGGREGATED SOFT CARD ON A MOBILE DEVICE

• US 20130124349A1
• Filed: 11/05/2012
• Published: 05/16/2013
• Est. Priority Date: 11/03/2011
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Khan, Mohammad, Kumar, Pradeep, Martin, Philippe, Singh, Dickey B.
• Granted Patent: US 9,767,452 B2
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• 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 20/36 using electronic wallets or electronic money safes

Abstract

Methods, systems, and computer readable media for utilizing and provisioning an aggregated soft card are disclosed. In one embodiment, the method includes receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card. The method also includes requesting component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from a plurality of issuing system servers. The method further includes generating aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers and sending the aggregated soft card data to the mobile device.

Claims

1. A system for provisioning and utilizing an aggregated soft card on a mobile device, the system comprising:

a plurality of soft card issuing system servers configured to store component soft card data; and

a trusted service manager (TSM) server configured to receive a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card, to request the component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from the plurality of soft card issuing system servers, and to generate aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers, and to send the aggregated soft card data to the mobile device.

2. The system of claim 1 comprising:

a wireless device reader configured to receive a request from the mobile device to conduct a wireless transaction using the aggregated soft card provisioned on the mobile device, to select at least one of the primary component soft card and the at least one secondary component soft card to conduct the wireless transaction based on one or more determination factors, and to conduct the wireless transaction over a communications link using the selected at least one component soft card.

3. The system of claim 2 wherein the mobile device is used to select the aggregated soft card.

4. The system of claim 2 wherein the communications link includes at least one of:

a near field communication (NFC) communications link, a Bluetooth communications link, a WiFi communications link, and a WiMax communications link.

5. The system of claim 2 wherein the one or more determination factors includes at least one of:

a priority order listing maintained in a preferred application list maintained at the wireless device reader, a soft card selection made by a merchant at a point of sale associated with the wireless device reader, a selection made by a user of the wireless mobile device, a user preference stored in the mobile device, a real-time determination based on evaluation of an available offer or promotion, and a user preference stored on a back-end server.

6. The system of claim 2 wherein the wireless device reader includes a an NFC enabled point of sale terminal device, an NFC enabled boarding pass reader, an NFC enabled check-in reader, an NFC enabled door lock access controller, an NFC enabled transit ticket reader, an NFC enabled transportation ticket reader, and an NFC enabled ticket reader.

7. The system of claim 2 wherein the wireless transaction is conducted by the mobile device and the wireless device reader either via a card emulation mode or a peer to peer (P2P) mode.

8. The system of claim 1 wherein the mobile device includes an NFC enabled mobile device, a Bluetooth enabled mobile device, or a WiFi enabled mobile device.

9. The system of claim 7 wherein the NFC enabled mobile device includes at least one of:

an NFC enabled smart phone device, an NFC enabled tablet, and an NFC enabled personal data assistant (PDA).

10. The system of claim 1 wherein the primary component soft card and the at least one secondary component soft card each includes a virtual gift card, a virtual loyalty card, a virtual prepaid card, a virtual coupon, a virtual ticket, a virtual boarding pass, a virtual transit card, a virtual credit card, a virtual debit card, a virtual payment card, a virtual charge card, a virtual voucher, a virtual membership card, a virtual health insurance card, a virtual reward card, a virtual business card, a virtual access pass, a virtual automotive insurance card, a virtual pharmacy card, a virtual library card, a virtual passport.

11. The system of claim 1 wherein the TSM server is configured to generate an application identifier list that indicates a priority order of application identifiers associated with each of the primary component soft card and the at least one secondary component soft card.

12. The system of claim 11 wherein the TSM server is configured to send the application identifier list along with soft card data associated with each of the first component soft card and at least one secondary component soft card.

13. The system of claim 1 wherein the mobile device receives the aggregated soft card data from the TSM server via a secure element-trusted service manager (SE-TSM) server, wherein the TSM server includes a service provider trusted service manager (SP-TSM) server.

14. The system of claim 1 wherein the mobile device receives the aggregated soft card data directly from the TSM server, wherein the TSM server includes a service provider trusted service manager (SP-TSM) server.

15. The system of claim 1 wherein the aggregated soft card is visually displayed on the mobile device as a single soft card representation that includes at least one of:

an icon, a symbol, a graphic, an image, and a displayed name.

16. A method for provisioning and utilizing an aggregated soft card on a mobile device, the method comprising:

receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card;

requesting component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from a plurality of issuing system servers;

generating aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers; and

sending the aggregated soft card data to the mobile device.

17. The method of claim 16 comprising:

receiving, at a wireless device reader, a request to conduct a wireless transaction using the aggregated soft card provisioned on the mobile device;

selecting at least one of the primary component soft card and the at least one secondary component soft card to conduct the wireless transaction based on one or more determination factors; and

conducting the wireless transaction over a communications link using the selected at least one component soft card.

18. The method of claim 17 comprising using the mobile device to select the aggregated soft card to conduct the wireless transaction.

19. The method of claim 17 wherein the communications link includes at least one of:

a near field communication (NFC) communications link, a Bluetooth communications link, a WiFi communications link, and a WiMax communications link.

20. The method of claim 17 wherein the one or more determination factors includes at least one of:

a priority order listing maintained in a preferred application list maintained at the wireless device reader, a soft card selection made by a merchant at a point of sale associated with the wireless device reader, a selection made by a user of the wireless mobile device, a user preference stored in the mobile device, a real-time determination based on evaluation of an available offer or promotion, and a user preference stored on a back-end server.

21. The method of claim 17 wherein the wireless device reader includes a an NFC enabled point of sale terminal device, an NFC enabled boarding pass reader, an NFC enabled check-in reader, an NFC enabled door lock access controller, an NFC enabled transit ticket reader, an NFC enabled transportation ticket reader, and an NFC enabled ticket reader.

22. The method of claim 17 wherein the wireless transaction is conducted by the mobile device and the wireless device reader either via a card emulation mode or a peer to peer (P2P) mode.

23. The method of claim 16 wherein the mobile device includes an NFC enabled mobile device, a Bluetooth enabled mobile device, or a WiFi enabled mobile device.

24. The method of claim 23 wherein the NFC enabled mobile device includes at least one of:

an NFC enabled smart phone device, an NFC enabled tablet, and an NFC enabled personal data assistant (PDA).

25. The method of claim 16 wherein the primary component soft card and the at least one secondary component soft card each includes a virtual gift card, a virtual loyalty card, a virtual prepaid card, a virtual coupon, a virtual ticket, a virtual boarding pass, a virtual transit card, a virtual credit card, a virtual debit card, a virtual payment card, a virtual charge card, a virtual voucher, a virtual membership card, a virtual health insurance card, a virtual reward card, a virtual business card, a virtual access pass, a virtual automotive insurance card, a virtual pharmacy card, a virtual library card, a virtual passport.

26. The method of claim 16 wherein establishing the link among the component soft card data includes generating an application identifier list that indicates a priority order of application identifiers associated with each of the primary component soft card and the at least one secondary component soft card.

27. The method of claim 26 wherein sending the aggregated soft card data includes sending the application identifier list along with soft card data associated with each of the first component soft card and at least one secondary component soft card.

28. The method of claim 16 wherein the mobile device receives the aggregated soft card data from a service provider trusted service manager (SP-TSM) server via a secure element-trusted service manager (SE-TSM) server.

29. The method of claim 16 wherein the mobile device receives the aggregated soft card data directly from the TSM server, wherein the TSM server includes a service provider trusted service manager (SP-TSM) server.

30. The method of claim 16 wherein the aggregated soft card is visually displayed on the mobile device as a single soft card representation that includes at least one of:

an icon, a symbol, a graphic, an image, and a displayed name.

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

receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card;

requesting component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from a plurality of issuing system servers;

generating aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers; and

sending the aggregated soft card data to the mobile device.

32. The computer readable medium of claim 31 comprising:

receiving, at a wireless device reader, a request to conduct a wireless transaction using the aggregated soft card provisioned on the mobile device;

selecting at least one of the primary component soft card and the at least one secondary component soft card to conduct the wireless transaction based on one or more determination factors; and

conducting the wireless transaction over a communications link using the selected at least one component soft card.