Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader

• US 8,799,087 B2
• Filed: 10/27/2011
• Issued: 08/05/2014
• Est. Priority Date: 10/27/2010
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Martin, Philippe, Khan, Mohammad, Raynon, Jean-Christophe
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US13/283,521
• Publication Number:
  US 20120109764A1
• Time in Patent Office: 1,013 Days
• Field of Search: 705/17, 705/39, 705/64, 705/16, 705/67, 235/380, 235/379, 235/381, 235/375, 455/41.2, 455/414.1, 455/405, 455/406, 455/407
• US Class Current: 705/17
• CPC Class Codes: G06F 7/08 Sorting, i.e. grouping record carriers in numerical or other ordered sequence according to the classification of at least some of the information they carry by merging two or more sets of carriers in ordered sequence G06F7/16
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/356 Aspects of software for card payments
• CPC Class Codes: G07F 7/0893 the card reader reading the card in a contactless manner
• CPC Class Codes: G16B 25/00 ICT specially adapted for hybridisation; ICT specially adapted for gene or protein expression

Abstract

The subject matter described herein includes systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader. A transaction terminal designates compatible application identifiers, where each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal. A proximity payment system environment (PPSE) application is configured to store user preferred application identifiers, where each user preferred application identifier is respectively associated with a to transaction application stored on the mobile wireless device. A wireless device reader for receives the compatible application identifiers from the transaction terminal, and stores the compatible application identifiers in preferred applications lists (PALs).

Claims

1. A system for utilizing one or more preferred application lists (PALs) in a wireless device reader, comprising:

a transaction terminal configured to designate a plurality of compatible application identifiers, wherein each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal;

a mobile wireless device provisioned with a proximity payment system environment (PPSE) application that is configured to store a plurality of user preferred application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device; and

a wireless device reader configured to;

receive the plurality of compatible application identifiers from the transaction terminal,

store the compatible application identifiers among a plurality of preferred applications lists (PALs) which includes a first PAL containing a first group of the compatible application identifiers, wherein each of the compatible application identifiers in the first group is assigned a priority indicator,

receive a PPSE list containing the user preferred application identifiers from the PPSE application in response to a wireless transaction initiated by a single near field communication (NFC) tap between the mobile wireless device and the wireless device reader, wherein the user preferred application identifiers are communicated from the mobile wireless device to the wireless device reader in response to the single NFC tap,

determine one or more matched application identifiers by comparing each of the compatible application identifiers contained in the first PAL with each of the received user preferred application identifiers,

identify a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier corresponds to the user preferred application identifier that matches the compatible application identifier with the highest priority indicator contained in the first PAL, and

request transaction application data from the transaction application, stored on the mobile wireless device, corresponding to the user preferred application identifier associated with the single matched application identifier.

2. The system of claim 1 wherein the plurality of preferred application lists includes a second PAL containing a second group of the compatible application identifiers.

3. The system of claim 2 wherein the wireless device reader is configured to send a request message for transaction application data from a transaction application associated with a user preferred application identifier that matches a compatible application identifier belonging to the second group.

4. The system of claim 3 wherein the wireless device reader is configured to bundle both the transaction application data associated with the single matched application identifier and the transaction application data associated with the user preferred application identifier that matches the compatible application identifier belonging to the second group in a payload.

5. The system of claim 4 wherein the wireless device reader is configured to send the payload to the transaction terminal to process the wireless transaction.

6. The system of claim 1 wherein the first PAL is designated for listing compatible electronic payment card application identifiers and the second PAL is designated for listing compatible electronic loyalty card application identifiers.

7. The system of claim 6 wherein the plurality of preferred application lists includes a third PAL that is designated for listing at least one of:

compatible electronic coupon application identifiers, compatible electronic transit card application identifiers, and compatible electronic healthcare card application identifiers.

8. The system of claim 1 wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

9. The system of claim 1 wherein the wireless transaction includes a near field communication (NFC) transaction.

10. The system of claim 1 wherein the wireless device reader is further configured to request the PPSE list upon initiation of the wireless transaction.

11. The system of claim 1 wherein the PPSE list includes at least one of:

an image of user preferred application identifiers stored in the PPSE application and FCI data.

12. The system of claim 1 wherein the transaction terminal includes a point of sale (POS) terminal.

13. A method for utilizing one or more preferred application lists in an NFC reader, the method comprising:

receiving, by a wireless device reader from a transaction terminal, a plurality of compatible application identifiers, wherein each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal;

storing, by the wireless device reader, the compatible application identifiers among a plurality of preferred applications lists (PALs) which includes a first PAL containing a first group of the compatible application identifiers, wherein each of the compatible application identifiers in the first group is assigned a priority indicator;

receiving, by the wireless device reader from a mobile wireless device via a wireless transaction initiated by a single near field communication (NFC) tap between the mobile wireless device and the wireless device reader, a plurality of user preferred application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device, wherein the plurality of user preferred application identifiers are communicated from the mobile wireless device to the wireless device reader in response to the single NFC tap;

determining, by the wireless device reader, one or more matched application identifiers by comparing each of the compatible application identifiers contained in the first PAL with each of the received user preferred application identifiers;

identifying, by the wireless device reader, a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier corresponds to the user preferred application identifier that matches the compatible application identifier with the highest priority indicator contained in the first PAL; and

requesting, by the wireless device reader, transaction application data from the transaction application stored on the mobile wireless device corresponding to the user preferred application identifier associated with the single matched application identifier.

14. The method of claim 13 wherein the plurality of preferred application lists includes a second PAL containing a second group of the compatible application identifiers.

15. The method of claim 14 comprising sending a request message for transaction application data from a transaction application associated with a user preferred application identifier that matches a compatible application identifier belonging to the second group.

16. The method of claim 15 comprising bundling both the transaction application data associated with the single matched application identifier and the transaction application data associated with the user preferred application identifier that matches the compatible application identifier belonging to the second group in a payload.

17. The method of claim 16 comprising sending the payload to the transaction terminal to process the wireless transaction.

18. The method of claim 14 wherein the first PAL is designated for listing compatible electronic payment card application identifiers and the second PAL is designated for listing compatible electronic loyalty card application identifiers.

19. The method of claim 18 wherein the plurality of PALs includes a third PAL that is designated for listing at least one of:

compatible electronic coupon application identifiers, compatible electronic transit card application identifiers, and compatible electronic healthcare card application identifiers.

20. The method of claim 13 wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

21. The method of claim 13 wherein the wireless transaction includes a near field communication (NFC) transaction.

22. The method of claim 13 further comprising requesting a proximity payment system environment (PPSE) list containing the plurality of user preferred application identifiers upon initiation of the wireless transaction.

23. The method of claim 22 wherein the PPSE list includes at least one of:

an image of user preferred application identifiers contained in the PPSE list and file control information (FCI) data.

24. The method of claim 13 wherein the transaction terminal includes a point of sale (POS) terminal.

25. A system for requesting transaction application data, the system comprising:

a transaction terminal configured for designating a plurality of compatible application identifiers respectively associated with a plurality of transaction applications compatible with the transaction terminal;

a mobile wireless device configured for storing a plurality of user preferred transaction application identifiers, wherein each user preferred transaction application identifier is respectively associated with a transaction application stored on the mobile wireless device; and

a wireless device reader configured to;

store the plurality of compatible application identifiers received from the transaction terminal, wherein each of the compatible application identifiers includes a priority indicator,

receive the plurality of user preferred transaction application identifiers in response to a wireless transaction initiated by a single near field communication (NFC) tap between the mobile wireless device and the wireless device reader, wherein the user preferred transaction application identifiers are communicated from the mobile wireless device to the wireless device reader in response to the single NFC tap,

determine one or more matched application identifiers by comparing each of the compatible application identifiers with each of the received user preferred transaction application identifiers,

identify a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier corresponds to the user preferred transaction application identifier that matches the compatible application identifier with the highest priority indicator, and

request transaction application data from the transaction application stored on the mobile wireless device, corresponding to the user preferred transaction application identifier associated with the single matched application identifier.

26. The system of claim 25, wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

27. The system of claim 25 wherein the wireless transaction includes a near field communication (NFC) transaction.

28. The system of claim 25 wherein the wireless device reader is further configured to request a proximity payment system environment (PPSE) list containing the plurality of user preferred transaction application identifiers upon initiation of the wireless transaction.

29. The system of claim 28 wherein the plurality of user preferred transaction application identifiers are received as either an image of user preferred transaction application identifiers contained in the PPSE list or as file control information (FCI) data.

30. The system of claim 25 wherein the transaction terminal includes a point of sale (POS) terminal.

31. A method for requesting transaction application data, the method comprising:

receiving, by a wireless device reader from a transaction terminal, a plurality of compatible application identifiers respectively associated with a plurality of transaction applications compatible with the transaction terminal, wherein each of the compatible application identifiers includes a priority indicator;

receiving, by the wireless device reader from a mobile wireless device via a wireless transaction initiated by a single near field communication (NFC) tap between the mobile wireless device and the wireless device reader, a plurality of user preferred transaction application identifiers, wherein each user preferred transaction application identifier is respectively associated with a transaction application stored on the mobile wireless device, wherein the plurality of user preferred transaction application identifiers is communicated from the mobile wireless device to the wireless device reader in response to the single NFC tap;

determining, by the wireless device reader, one or more matched application identifiers by comparing each of the compatible application identifiers with each of the received user preferred transaction application identifiers;

identifying, by the wireless device reader, a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier corresponds to the user preferred transaction application identifier that matches the compatible application identifier with the highest priority indicator; and

requesting, by the wireless device reader from the mobile wireless device, transaction application data from the transaction application stored on the mobile wireless device corresponding to the user preferred transaction application identifier associated with the single matched application identifier.

32. The method of claim 31 wherein the mobile wireless device includes at least one of:

a near field communication (NFC) card, an NFC enabled mobile wireless device, an NFC enabled tablet, and a contactless smart card.

33. The method of claim 31 wherein the wireless transaction includes a near field communication (NFC) transaction.

34. The method of claim 31 further comprising requesting the plurality of user preferred transaction application identifiers upon initiation of the wireless transaction.

35. The method of claim 31 wherein the plurality of user preferred transaction application identifiers is received as either an image of user preferred transaction application identifiers contained in a proximity payment system environment (PPSE) list or as file control information (FCI) data.

36. The method of claim 31 wherein the transaction terminal includes a point of sale (POS) terminal.

37. A non-transitory computer readable medium having stored thereon computer executable instructions that when executed by a processor of a wireless device reader controls the wireless device reader to perform steps comprising:

receiving, from a transaction terminal, a plurality of compatible application identifiers respectively associated with a plurality of transaction applications compatible with the transaction terminal, wherein each of the compatible application identifiers includes a priority indicator;

receiving, from a mobile wireless device via a wireless transaction initiated by a single near field communication (NFC) tap between the mobile wireless device and the wireless device reader, a plurality of user preferred transaction application identifiers, wherein each user preferred transaction application identifier is respectively associated with a transaction application stored on the mobile wireless device, wherein the plurality of user preferred transaction application identifiers is communicated from the mobile wireless device to the wireless device reader in response to the single NFC tap;

determining one or more matched application identifiers by comparing each of the compatible application identifiers with each of the received user preferred transaction application identifiers;

identifying a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier corresponds to the user preferred transaction application identifier that matches the compatible application identifier with the highest priority indicator; and

requesting, from the mobile wireless device, transaction application data from the transaction application stored on the mobile wireless device, corresponding to the user preferred transaction application identifier associated with the single matched application identifier.