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PROCESSING A TRANSACTION USING MULTIPLE APPLICATION IDENTIFIERS

  • US 20150186864A1
  • Filed: 12/29/2014
  • Published: 07/02/2015
  • Est. Priority Date: 12/27/2013
  • Status: Active Grant
First Claim
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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.

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