PROCESSING A TRANSACTION USING MULTIPLE APPLICATION IDENTIFIERS
First Claim
1. A method for processing a transaction initiated by a mobile device communicating with an access device, the method comprising:
- receiving, by the access device, a plurality of application identifiers from the mobile device, wherein the plurality of application identifiers are associated with one or more payment credentials provisioned on the mobile device;
determining, by the access device, a first application identifier and a second application identifier from the plurality of application identifiers for the transaction;
preparing, by the access device, a first transaction payload including first payment credentials associated with the first application identifier and a second transaction payload including second payment credentials associated with the second application identifier;
initiating, by the access device, a first transaction using the first transaction payload;
storing, by the access device, the second transaction payload in a temporary memory;
determining, by the access device, that the first transaction should not or cannot be completed; and
initiating, by the access device, a second transaction using the stored second transaction payload from the temporary memory.
1 Assignment
0 Petitions
Accused Products
Abstract
Embodiments of the present invention are directed to methods, systems, apparatuses, and computer-readable mediums for selecting multiple payment applications and preparing multiple transaction payloads for a transaction during interaction between a mobile device and an access device. Accordingly, by preparing multiple transaction payloads for a single transaction, the merchant may initiate transactions using each of the prepared transaction payloads in order of preference. If a transaction initiated using payment credentials associated with a preferred application is unsuccessful for any reason, a transaction may be initiated using payment credentials associated with an alternate application automatically, and without additional interaction by the mobile device and/or access device.
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Citations
21 Claims
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1. A method for processing a transaction initiated by a mobile device communicating with an access device, the method comprising:
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receiving, by the access device, a plurality of application identifiers from the mobile device, wherein the plurality of application identifiers are associated with one or more payment credentials provisioned on the mobile device; determining, by the access device, a first application identifier and a second application identifier from the plurality of application identifiers for the transaction; preparing, by the access device, a first transaction payload including first payment credentials associated with the first application identifier and a second transaction payload including second payment credentials associated with the second application identifier; initiating, by the access device, a first transaction using the first transaction payload; storing, by the access device, the second transaction payload in a temporary memory; determining, by the access device, that the first transaction should not or cannot be completed; and initiating, by the access device, a second transaction using the stored second transaction payload from the temporary memory. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An access device comprising:
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a processor; a computer-readable medium coupled to the processor, the computer-readable medium comprising code, executable by the processor, for performing a method of processing a transaction initiated by a mobile device, the method comprising; receiving a plurality of application identifiers from the mobile device, wherein the plurality of application identifiers are associated with one or more payment credentials provisioned on the mobile device; determining a first application identifier and a second application identifier from the plurality of application identifiers for the transaction; preparing a first transaction payload including first payment credentials associated with the first application identifier and a second transaction payload including second payment credentials associated with the second application identifier; initiating a first transaction using the first transaction payload; storing the second transaction payload in a temporary memory; determining that the first transaction should not or cannot be completed; and initiating a second transaction using the stored second transaction payload from the temporary memory. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A system for processing payment transactions initiated by a mobile device communicating with an access device, the system comprising:
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the mobile device configured to; send a plurality of application identifiers to the access device, the plurality of application identifiers being associated with two or more payment credentials stored on the mobile device; and the access device configured to; receive the plurality of application identifiers from the mobile device; determine a first and a second application identifier for the transaction; prepare a first transaction payload including payment credentials associated with the first application identifier and a second transaction payload including payment credentials associated with the second application identifier; initiate a first transaction using the first transaction payload; determine that the first transaction should not or cannot be completed; and initiate the second transaction using the second transaction payload.
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Specification