NON-DEFAULT PAYMENT APPLICATION SELECTION DURING EMV-COMPLIANT PAYMENT TRANSACTION METHOD

• US 20200134587A1
• Filed: 10/09/2019
• Published: 04/30/2020
• Est. Priority Date: 10/29/2018
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Rice, Enda, Hay, Florent
• Granted Patent: US 11,107,055 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

During recent years, chip-based payment has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with the EMV specifications and standards.

A computer-implemented payment transaction method is provided comprising: providing a standard EMV Contactless payment transaction protocol POI terminal, receiving from the user interface a selection of either the first or second payment application and modifying the PPSE accordingly; continuing, by the POI terminal, said EMV-compliant payment transaction by selecting the modified PPSE of the identification device; and selecting, by the POI terminal, the user-selected payment application to continue the payment transaction.

By implementing such a function selection, new non-EMV compliant functionalities may be quickly added to existing payment-system specific kernels. In addition, by restarting the existing payment transaction instead of starting a new one, it may be quickly restarted using the same amount and the same currency without the need of any merchant interaction. By using existing mechanism already present in the EMV specifications and protocols, Users are given a higher degree of control over the payment applications used to complete payment transactions, and unexpected payments and/or unexpected terminations of payments are less likely to occur when a conflict arises between the contents of the PPSE and the POI terminal capabilities.

Claims

1. A computer-implemented payment transaction method comprising:

executing payment transactions with an identification device at a processor of a POI terminal by interaction in accordance with a standard EMV Contactless payment transaction protocol;

operating a Proximity Payment System Environment (PPSE) having at least a first and a second payment application at a further processor of the identification device;

inputting to the further processor of the identification device via a user interface;

commencing, by the POI terminal, an EMV-compliant payment transaction with the identification device by selecting the PPSE;

receiving, by the POI terminal, parameters from the identification device associated with the first and second payment applications;

determining the compatibility of the first and second payment applications for participating in the EMV-compliant payment transaction with the POI terminal;

selecting, by the POI terminal, either the first or second payment application as preferred to continue the payment transaction using the compatibilities and the parameters, and communicating the POI-selected payment application to the identification device;

receiving from the user interface a selection of either the first or second payment application and modifying the PPSE accordingly;

receiving, by the POI terminal, an EMV-compliant response from the identification device configured and arranged to restart said payment transaction;

continuing, by the POI terminal, said EMV-compliant payment transaction by selecting the modified PPSE of the identification device; and

selecting, by the POI terminal, the user-selected payment application to continue the payment transaction.

2. The method of claim 1, wherein the EMV-compliant response from the identification device, configured and arranged to restart said payment transaction, comprises one or more of the following:

a Try Again indication;

an End Application (with restart) indication;

a communications error.

3. The method of claim 1, the method further comprising:

before commencing the payment transaction by selecting the unmodified PPSE, a payment amount is first examined by the POI-terminal comparing the amount with transactional limits; and

after restarting said payment transaction, the comparison of the payment amount with the transactional limits is bypassed.

4. The method of claim 1, the EMV-compliant payment transaction using Entry Point comprising a Protocol Activation step, the method further comprising:

restarting said payment transaction by restarting the Protocol Activation step of the Entry Point.

5. The method of claim 1, wherein:

the identification device and the user interface are comprised in a mobile device or a mobile telephone.

6. The method of claim 1, wherein:

the user interface is comprised in the POI terminal.

7. The method of claim 1, wherein:

the POI terminal further comprises a POI display;

the method further comprising;

further prompting the user to select either the first or second payment application by providing a message on the POI display.

8. The method of claim 1, wherein the method further comprises:

modifying the PPSE by;

modifying one or more priority indications associated with the first and/or second payment application; and

/or

modifying the order associated with the first and/or second payment application.

9. The method of claim 1, wherein the method further comprises:

modifying the PPSE to comprise only one payment application.

10. The method of claim 1, wherein the identification device is comprised in an integrated circuit, a bio-sensor, a medical implant, a contacted card, a contactless card, a portable electronic device, a SIM module, a mobile communications device, a mobile computer, a remote server, or any combination thereof.

11. The method of claim 1, wherein the POI terminal is configured to interact with said one of the identification devices using electrical contact, close coupling, proximity coupling, electromagnetic radiation, visible or non-visible light, NFC, RF, Bluetooth, WiFi, mobile data, LAN, USB, HTTP, HTTPS, XMPP, web sockets, FTP, or any combination thereof.

12. The method of claim 2, the method further comprising:

before commencing the payment transaction by selecting the unmodified PPSE, a payment amount is first examined by the POI-terminal comparing the amount with transactional limits; and

after restarting said payment transaction, the comparison of the payment amount with the transactional limits is bypassed.

13. The method of claim 2, the EMV-compliant payment transaction using Entry Point comprising a Protocol Activation step, the method further comprising:

restarting said payment transaction by restarting the Protocol Activation step of the Entry Point.

14. The method of claim 2, wherein:

the POI terminal further comprises a POI display;

the method further comprising;

further prompting the user to select either the first or second payment application by providing a message on the POI display.

15. The method of claim 2, wherein the method further comprises:

modifying the PPSE by;

modifying one or more priority indications associated with the first and/or second payment application; and

/or

modifying the order associated with the first and/or second payment application.

16. The method of claim 2, wherein the method further comprises:

modifying the PPSE to comprise only one payment application.

17. The method of claim 2, wherein the identification device is comprised in an integrated circuit, a bio-sensor, a medical implant, a contacted card, a contactless card, a portable electronic device, a SIM module, a mobile communications device, a mobile computer, a remote server, or any combination thereof.

18. The method of claim 2, wherein the POI terminal is configured to interact with said one of the identification devices using electrical contact, close coupling, proximity coupling, electromagnetic radiation, visible or non-visible light, NFC, RF, Bluetooth, WiFi, mobile data, LAN, USB, HTTP, HTTPS, XMPP, web sockets, FTP, or any combination thereof.

19. An identification device, comprising a processor, the processor being programmed to execute to execute payment transactions with a POI terminal by interaction in accordance with a standard EMV Contactless payment transaction protocol;

the processor being further programmed to;

provide a Proximity Payment System Environment (PPSE) having at least a first and a second payment application;

receive inputs from a user interface;

allow commencement, by the POI terminal, of an EMV-compliant payment transaction with the identification device by selecting the PPSE;

send, to the POI terminal, parameters from the identification device associated with the first and second payment applications;

receive the POI-selected payment application, selected by the POI terminal using compatibilities and parameters, to continue the payment transaction,

store the user selection provided using the user interface of either the first or second payment application;

send, to the POI terminal, an EMV-compliant response from the identification device configured and arranged to restart the payment transaction;

allow continuation, by the POI terminal, of said EMV-compliant payment transaction by selecting the PPSE; and

receive, from the POI terminal, the user-selected payment application to continue the payment transaction.

20. A mobile device comprising:

the identification device according to claim 19, and

the user interface.