Host-Formatted Select Proximity Payment System Environment Response

• US 20160055480A1
• Filed: 08/25/2015
• Published: 02/25/2016
• Est. Priority Date: 08/25/2014
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Shah, Hiteshkumar M.
• Granted Patent: US 10,242,356 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes

Abstract

Informing near field communication (NFC) payment readers of NFC target device payment application availability. A payment application executing under a host operating system of an NFC target device formats a SELECT proximity payment system environment (PPSE) RESPONSE as one or more NFC Application Protocol Data Units (APDUs). The SELECT PPSE RESPONSE is formatted to respond to a SELECT PPSE command from an NFC payment reader. The SELECT PPSE RESPONSE includes a list of one or more Application Identifiers (AIDs) corresponding to one or more payment options available on the NFC target device. The payment application communicates the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device. The PPSE applet receives a SELECT PPSE command from an NFC payment reader. The PPSE applet communicates the SELECT PPSE RESPONSE to the NFC payment reader, in response to receiving the SELECT PPSE command from the NFC payment reader.

Claims

1. A computer-implemented method to inform near field communication (NFC) payment readers of NFC target device payment application availability, comprising:

formatting, by a payment application executing under a host operating system of an NFC target device, a SELECT proximity payment system environment (PPSE) RESPONSE as one or more NFC Application Protocol Data Units (APDUs), the SELECT PPSE RESPONSE formatted to respond to a SELECT PPSE command from an NFC payment reader, and the SELECT PPSE RESPONSE comprising a list of one or more Application Identifiers (AIDs) corresponding to one or more payment options available on the NFC target device;

communicating, by the payment application, the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device;

receiving, by the PPSE applet, a SELECT PPSE command from an NFC payment reader; and

communicating to the NFC payment reader, by the PPSE applet in response to receiving the SELECT PPSE command from the NFC payment reader, the SELECT PPSE RESPONSE communicated to the PPSE from the payment application.

2. The method of claim 1, wherein:

the PPSE executes in a secure element (SE) of the NFC target device.

3. The method of claim 2, wherein communicating the formatted SELECT PPSE RESPONSE to the PPSE applet comprises:

communicating, by the payment application, the formatted SELECT PPSE RESPONSE to a wallet applet executing on the SE;

updating, by the wallet applet, a wallet applet table of allowed payment AIDs; and

communicating, by the wallet applet to the PPSE, the SELECT PPSE RESPONSE communicated to the wallet applet.

4. The method of claim 3, wherein communicating, by the wallet applet to the PPSE, the SELECT PPSE RESPONSE comprises, communicating the SELECT PPSE response via a JAVA card sharable interface objects (SIO) interface between the wallet applet and the PPSE applet.

5. The method of claim 1:

wherein the NFC target device implements NFC Host Card Emulation (HCE) in the host operating system for the payment application; and

wherein communicating, by the payment application, the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device comprises communicating the formatted SELECT PPSE RESPONSE to the PPSE applet directly as one or more APDUs.

6. The method of claim 1, wherein formatting the SELECT PPSE response comprises receiving user input selection from among a plurality of payment options available on the NFC target device, and formatting the SELECT PPSE response based on the received user input.

7. The method of claim 6, further comprising wherein the received user input comprises a prioritization among a plurality of payment options available in connection with the payment application.

8. A computer program product, comprising:

a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to inform near field communication (NFC) readers of NFC target device payment application availability, the computer-executable program instructions comprising;

computer-executable program instructions to format, by a payment application executing under a host operating system of an NFC-enabled target device, a SELECT proximity payment system environment (PPSE) RESPONSE as one or more NFC Application Protocol Data Units (APDUs), the SELECT PPSE RESPONSE formatted to respond to a SELECT PPSE command from an NFC payment reader, and the SELECT PPSE RESPONSE comprising a list of one or more NFC Application Identifiers (AIDs) corresponding to one or more payment applications available on the NFC target device;

computer-executable program instructions to communicate, by the payment application, the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device;

computer-executable program instructions to receive, by the PPSE applet, a SELECT PPSE command from an NFC payment reader; and

computer-executable program instructions to communicate to the NFC payment reader, by the PPSE applet in response to receiving the SELECT PPSE command from the NFC payment reader, the SELECT PPSE RESPONSE communicated to the PPSE from the payment application.

9. The computer program product of claim 8, wherein:

the PPSE executes in a secure element (SE) of the NFC target device.

10. The computer program product of claim 9, wherein computer-executable program instructions to communicate the formatted SELECT PPSE RESPONSE to the PPSE applet comprise:

computer-executable program instructions to communicate, by the payment application, the formatted SELECT PPSE RESPONSE to a wallet applet executing on the SE;

computer-executable program instructions to update, by the wallet applet, a wallet applet table of allowed payment AIDs; and

computer-executable program instructions to communicate, by the wallet applet to the PPSE, the SELECT PPSE RESPONSE communicated to the wallet applet.

11. The computer program product of claim 10, wherein computer-executable program instructions to communicate, by the wallet applet to the PPSE, the SELECT PPSE RESPONSE comprise computer-executable program instructions to communicate the SELECT PPSE response via a JAVA card serial input/output (SIO) interface between the wallet applet and the PPSE applet.

12. The computer program product of claim 8:

wherein the NFC target device implements NFC Host Card Emulation (HCE) in the host operating system for the payment application; and

wherein computer-executable program instructions to communicate the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device comprise computer-executable program instructions to communicate the formatted SELECT PPSE RESPONSE to the PPSE applet directly as one or more APDUs.

13. The computer program product of claim 8, wherein computer-executable program instructions to format the SELECT PPSE response comprise:

computer-executable program instructions to receive user input selection from among a plurality of payment options, and

computer-executable program instructions to format the SELECT PPSE response based on the received user input.

14. The computer program product of claim 13, further comprising wherein the received user input comprises a prioritization among a plurality of payment options available in connection with the payment application.

15. A system to inform near field communication (NFC) readers of NFC target device payment application availability, the system comprising:

a storage device; and

a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to;

format, by a payment application executing under a host operating system of an NFC target device, a SELECT proximity payment system environment (PPSE) RESPONSE as one or more NFC Application Protocol Data Units (APDUs), the SELECT PPSE RESPONSE formatted to respond to a SELECT PPSE command from an NFC payment reader, and the SELECT PPSE RESPONSE comprising a list of one or more NFC Application Identifiers (AIDs) corresponding to one or more payment applications available on the NFC target device;

communicate, by the payment application, the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device;

receive, by the PPSE applet, a SELECT PPSE command from an NFC payment reader; and

communicate to the NFC payment reader, by the PPSE applet in response to receiving the SELECT PPSE command from the NFC payment reader, the SELECT PPSE RESPONSE communicated to the PPSE from the payment application.

16. The system of claim 15, wherein:

the PPSE executes in a secure element (SE) of the NFC target device.

17. The system of claim 16, wherein the application code instructions that are stored in the storage device to cause the system to communicate the formatted SELECT PPSE RESPONSE to the PPSE applet comprise:

application code instructions that are stored in the storage device to cause the system to communicate, by the payment application, the formatted SELECT PPSE RESPONSE to a wallet applet executing on the SE;

application code instructions that are stored in the storage device to cause the system to update, by the wallet applet, a wallet applet table of allowed payment AIDs; and

application code instructions that are stored in the storage device to cause the system to communicate, by the wallet applet to the PPSE, the SELECT PPSE RESPONSE communicated to the wallet applet.

18. The system of claim 17, wherein computer-executable program instructions to communicate, by the wallet applet to the PPSE, the SELECT PPSE RESPONSE comprise computer-executable program instructions to communicate the SELECT PPSE response via a JAVA card serial input/output (SIO) interface between the wallet applet and the PPSE applet.

19. The system of claim 15:

wherein the NFC target device implements NFC Host Card Emulation (HCE) in the host operating system for the payment application; and

wherein computer-executable program instructions to communicate the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device comprise computer-executable program instructions to communicate the formatted SELECT PPSE RESPONSE to the PPSE applet directly as one or more APDUs.

20. The system of claim 15, wherein computer-executable program instructions to format the SELECT PPSE response comprise:

computer-executable program instructions to receive user input selection from among a plurality of payment options, and

computer-executable program instructions to format the SELECT PPSE response based on the received user input.