METHODS AND SYSTEMS FOR MOBILE PAYMENT APPLICATION SELECTION AND MANAGEMENT USING AN APPLICATION LINKER

• US 20150127529A1
• Filed: 11/05/2014
• Published: 05/07/2015
• Est. Priority Date: 11/05/2013
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Makhotin, Oleg, Aabye, Christian, Pirzadeh, Kiushan
• Application Number:
  US14/534,037
• Publication Number:
  US 20150127529A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/08 Payment architectures
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

An application linker system that manages a plurality of application identifiers associated with a plurality of payment applications present on a device is disclosed. The application linker may manage relationships between application identifiers and payment applications that are provisioned for secure storage on a device. For example, a transaction can be conducted between a portable communication device and an access device. The method includes receiving a request for available payment applications located on the portable communication device from the access device, determining application identifiers associated with payment applications on the device, and sending a list of available payment applications including the application identifiers to the access device. The payment applications store payment information associated with one or more consumer accounts. One of the application identifiers is associated with two or more payment applications.

Claims

1. A method for initiating a transaction between a portable communication device and an access device, the method comprising:

receiving, by a processor, a request for available applications located on the portable communication device from the access device;

determining, by the processor, application identifiers associated with applications on the portable communication device, wherein at least one of the application identifiers is associated with two or more of the applications; and

sending, by the processor, a list of available applications to the access device, the list of available applications including the determined application identifiers.

2. The method of claim 1, wherein the applications include payment applications and wherein the payment applications store payment information associated with one or more consumer accounts.

3. The method of claim 1, wherein at least one of the applications is associated with two or more of the application identifiers.

4. The method of claim 1, further comprising:

receiving, by the processor, a selection message from the access device, the selection message identifying a selected application identifier;

determining, by the processor, the applications associated with the selected application identifier, wherein the selected application identifier is associated with at least two of the applications;

selecting, by the processor, an application from the at least two of the applications associated with the selected application identifier;

routing, by the processor, the selection message to the selected application associated with the selected application identifier;

receiving, by the processor, information from the selected application associated with the selected application identifier; and

sending, by the processor, the received information to the access device.

5. The method of claim 4, wherein selecting the application associated with the selected application identifier includes determining priorities for the at least two of the applications associated with the selected application identifier and selecting the application with a highest priority.

6. The method of claim 4, wherein before sending the list of available applications to the access device, the method further comprises determining, by the processor, the applications associated with the determined application identifiers, wherein the list of available applications includes application indicators associated with the determined application identifiers;

and

wherein selecting the application from the at least two of the applications associated with the selected application identifier comprises determining the selected application from the selection message, wherein the access device selects the selected application by determining supported application identifiers from the list of the available applications and the access device selects the application from the supported application identifiers according to preferences stored by the access device.

7. The method of claim 6, wherein the preferences include authentication and configuration options of the applications or geographical restrictions associated with the access device.

8. The method of claim 1, further comprising:

receiving, by the processor, a request to update a relationship between an application identifier and an application; and

updating, by the processor, an application routing table to include the updated relationship between the application and the application identifier.

9. The method of claim 8, wherein the updated relationship includes removing an association between the application identifier and the application or adding an association between the application identifier and the application.

10. The method of claim 8, wherein the request to update the relationship is received during application provisioning or application personalization.

11. The method of claim 8, wherein the request to update the relationship is received after application provisioning and application personalization.

12. The method of claim 2, wherein the list of available payment applications includes a network-generic application identifier and a network-specific application identifier associated with a payment application.

13. The method of claim 2, wherein the list of available payment applications includes a network-generic application identifier that is associated with two or more payment applications.

14. The method of claim 1, wherein determining the application identifiers associated with the applications stored on the portable communication device includes determining the application identifiers associated with an active application on the portable communication device.

15. A portable communication device comprising:

a processor; and

a computer-readable medium coupled to the processor, the computer-readable medium comprising code, executable by the processor, to perform a method, the method comprising;

receiving a request for available applications located on the portable communication device from the access device;

determining application identifiers associated with applications on the portable communication device, wherein at least one of the application identifiers is associated with two or more of the applications; and

sending a list of available applications to the access device, the list of available applications including the determined application identifiers.

16. A method for initiating a transaction using an application on a portable communication device, the method comprising:

identifying, by an access device, the presence of a portable communication device;

sending, by the access device, a request for available applications to the portable communication device;

receiving, by the access device, a list of the available applications from the portable communication device, the list including application identifiers, wherein at least one of the application identifiers is associated with two or more applications on the portable communication device;

determining, by the access device, supported application identifiers from the list of the available applications;

selecting, by the access device, an application identifier from the supported applications; and

sending, by the access device, a selection message including the selected application identifier to the portable communication device in order to obtain information associated with the selected application identifier.

17. The method of claim 16, wherein the applications include payment applications and wherein the payment applications store payment information associated with one or more consumer accounts.

18. The method of claim 16, wherein the list of available applications includes application indicators associated with the application identifiers and wherein selecting the application identifier from the supported applications further comprises:

determining, by the access device, applications associated with the selected application identifier, wherein the selected application identifier is associated with at least two applications;

determining, by the access device, a preferred application from the at least two applications according to preferences stored by the access device; and

sending, by the access device, the application indicator associated with the preferred application to the portable communication device in the selection message.

19. The method of claim 18, wherein the preferences include authentication and configuration options of the applications.

20. The method of claim 16 further comprising:

receiving, by the access device, the information from the portable communication device; and

initiating the transaction using the received information associated with the selected application identifier.

21. An access device comprising:

a processor; and

a computer-readable medium coupled to the processor, the computer-readable medium comprising code, executable by the processor, to perform a method, the method comprising;

identifying the presence of a portable communication device;

sending a request for available applications to the portable communication device;

receiving a list of the available applications from the portable communication device, the list including application identifiers, wherein at least one of the application identifiers is associated with two or more applications on the portable communication device;

determining supported application identifiers from the list of the available applications;

selecting an application identifier from the supported application identifiers; and

sending a selection message including the selected application identifier to the portable communication device in order to obtain information associated with the selected application identifier.