Systems, methods, and computer program products for providing a contactless protocol

A method for managing contactless commerce contractions between mobile devices and payment terminals, the method comprising steps of:

• performing a first tap, the first tap occurring when a mobile device is placed within a proximity to a payment terminal;
• in response to performing the first tap, receiving from the payment terminal a first select commerce command including an application identifier (AID) corresponding to a first commerce application;
• transmitting to the payment terminal a first response based on the AID corresponding to the first select commerce command;
• receiving from the payment terminal a data request including merchant specific information;
• and
• transmitting to the payment terminal a second response including a package of data generated based on the data request, the package of data including commerce elements corresponding to the merchant specific information, wherein the commerce elements include at least a portion of commerce data retrieved from at least one memory;
• receiving from the payment terminal a select payment command including an application identifier (AID) corresponding to a payment application;
• and
• transmitting to the payment terminal a third response comprising payment data corresponding to the application identifier (AID) corresponding to the payment application, the payment data configured for transaction processing by the payment terminal.

A non-transitory computer-reader storage medium having stored thereon sequences of instructions that when executed by a computer cause the computer to perform operations to manage contactless commerce transactions between mobile devices and payment terminals, the operations comprising:

• detecting a first tap, the first tap occurring when a mobile device is placed within a proximity to a payment terminal;
• in response to detecting the first tap, receiving from the payment terminal a first select commerce command including an application identifier (AID) corresponding to a first application;
• transmitting to the payment terminal a first response based on the AID corresponding to the first select commerce command;
• receiving from the payment terminal a data request including merchant specific information;
• and
• transmitting to the payment terminal a second response including a package of data generated based on the data request, the package of data including commerce elements corresponding to the merchant specific information, wherein the commerce elements include at least a portion of commerce data retrieved from at least one memory;
• receiving from the payment terminal a select payment command including an application identifier (AID) corresponding to a payment application;
• and
• transmitting to the payment terminal a third response comprising payment data corresponding to the application identifier (AID) corresponding to the payment application, the payment data configured for transaction processing by the payment terminal.