Host-formatted select proximity payment system environment response

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 and outside a secure element (SE) of the 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;
• computer-executable program instructions to communicate, by the payment application, the formatted SELECT PPSE RESPONSE to a PPSE applet executing in the SE of the NFC target device;
• computer-executable program instructions to receive, by the PPSE applet executing in the SE, 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 executing in the SE, 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.

A system to inform near field communication (NFC) readers of NFC target device payment application availability, 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 and outside a secure element (SE) of the 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 in the SE of the NFC target device;
• receive, by the PPSE applet executing in the SE, a SELECT PPSE command from an NFC payment reader;
• and
• communicate to the NFC payment reader, by the PPSE applet executing in the SE, 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.