Systems, methods, and computer readable media for performing multiple transactions through a single near field communication (NFC) tap

• US 8,811,892 B2
• Filed: 04/05/2011
• Issued: 08/19/2014
• Est. Priority Date: 04/05/2010
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Khan, Mohammad, Martin, Philippe, Raynon, Jean-Christophe, Clark, Aron
• Primary Examiner(s): NGUYEN, TUAN HOANG
• Application Number:
  US13/080,613
• Publication Number:
  US 20110244796A1
• Time in Patent Office: 1,232 Days
• Field of Search: 455/41.1, 455/41.2, 455/405, 455/406, 455/407, 455/408, 455/414.2, 455/466, 455/557, 235/375, 235/380, 235/487, 235/492
• US Class Current: 455/41.1
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

The subject matter described herein includes a method of performing multiple transactions through a single near field communication (NFC) tap. The method includes storing, at a linking application in a wireless device, a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NFC tap. The method can further include detecting, by a wireless device reader, a linking application AID in the wireless device that identifies the linking application upon interfacing the wireless device with the wireless device reader through the single NFC tap. The method can include accessing, by the wireless device reader, the plurality of AIDs using the linking application. The method can further include processing the plurality of applications associated with the plurality of AIDs through the single NFC tap.

Claims

1. A system for performing multiple transactions through a single near field communication (NFC) tap, the system comprising:

a wireless device including a linking application that stores a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NFC tap and a proximity payment system environment (PPSE) application that stores a linking application identifier associated with the linking application; and

a wireless device reader, upon being interfaced with the wireless device via the single NFC tap, for detecting the linking application identifier stored in the PPSE application in the wireless device via the single NFC tap, for utilizing the linking application identifier to access the linking application in the wireless device via the single NFC tap, for accessing the plurality of AIDS using the linking application via the single NFC tap, and for processing the plurality of applications associated with the plurality of AIDs included in the linking application, wherein each of the plurality of applications is processed as one of a plurality of transactions performed through the single NFC tap.

2. The system according to claim 1, wherein the wireless device includes at least one of an NFC card, an NFC handset, an NFC tablet, or a contactless smart card.

3. The system of claim 1, wherein the linking application comprises a linked payment system environment (LPSE) application.

4. The system according to claim 3, wherein the plurality of AIDs is stored in the LPSE application using a graphical user interface of the wireless device.

5. The system according to claim 3, wherein the plurality of AIDs is stored in the LPSE application by the wireless device using location data.

6. The system according to claim 5, wherein the location data identifies a merchant location using GPS data, a smart poster, or triangulation data.

7. The system according to claim 1, wherein the linking application comprises a linked payment system environment (LPSE) application adapted to link the plurality of AIDs and communicate information to the wireless device reader regarding the linked plurality of AIDs upon interfacing the wireless device with the wireless device reader via the single NFC tap.

8. The system according to claim 7, wherein the LPSE application pushes the plurality of linked AIDs corresponding to a plurality of transaction applications to the wireless device reader.

9. The system according to claim 7, wherein the LPSE application communicates a specific order in which to process the linked AIDs to the wireless device reader.

10. A method of performing multiple transactions through a single near field communication (NFC) tap, the method comprising:

storing, at a linking application in a wireless device, a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NFC tap;

storing, at a proximity payment system environment (PPSE) application in the wireless device, a linking application identifier associated with the linking application;

detecting, by a wireless device reader, the linking application identifier stored in the PPSE application in the wireless device upon interfacing the wireless device with the wireless device reader through the single NFC tap;

utilizing the linking application identifier to access the linking application in the wireless device via the single NFC tap;

accessing, by the wireless device reader, the plurality of AIDs using the linking application via the single NFC tap; and

processing the plurality of applications associated with the plurality of AIDs included in the linking application, wherein each of the plurality of applications is processed as one of a plurality of transactions performed through the single NFC tap.

11. The method according to claim 10, wherein storing the plurality of AIDs comprises storing the plurality of AIDs, at a linking application in at least one of an NFC card, an NFC handset, an NFC tablet, or a contactless smart card.

12. The method of claim 10, wherein the linking application comprises a linked payment system environment (LPSE) application.

13. The method according to claim 12, wherein storing the plurality of AIDS in the LPSE application comprises selecting the plurality of AIDs using a graphical user interface of the wireless device.

14. The method according to claim 12, wherein storing the plurality of AIDS in the LPSE application comprises selecting the plurality of AIDs, by the wireless device, using location data.

15. The method according to claim 10, further comprising communicating information to the wireless device reader regarding the plurality of AIDs using the linking application.

16. The method according to claim 15, wherein communicating information to the wireless device reader comprises communicating an expected number of transactions to the wireless device reader.

17. The method according to claim 15, wherein communicating information to the wireless device reader comprises communicating a specific order in which to process the linked AIDs to the wireless device reader.

18. The method of claim 10, further comprising packaging all payloads in one packet for a point of sale (POS) terminal.

19. A non-transitory computer readable medium having stored thereon comprising computer executable instructions that when executed by a processor of a computer performs steps comprising:

storing, at a linking application in a wireless device, a plurality of application identifiers (AIDs) that identify a plurality of applications to be processed in a single NFC tap;

storing, at a proximity payment system environment (PPSE) application in the wireless device, a linking application identifier associated with the linking application;

detecting, by a wireless device reader, the linking application identifier stored in the PPSE application in the wireless device upon interfacing the wireless device with the wireless device reader through the single NFC tap;

utilizing the linking application identifier to access the linking application in the wireless device via the single NFC tap;

accessing, by the wireless device reader, the plurality of AIDs using the linking application via the single NFC tap; and

processing the plurality of applications associated with the plurality of AIDs included in the linking application, wherein each of the plurality of applications is processed as one of a plurality of transactions performed through the single NFC tap.