Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
AssigneeVisa International Service Association
InventorsChristian Aabye, Hao Ngo, David William Wilson
Life of this patent
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Abstract
A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.
Claims10
A method of conducting a payment transaction, comprising:
- detecting a presence of a device reader of a merchant using a wireless communications technology of a payment device, wherein the payment device includes a contactless element that communicates and transfers data using the wireless communications technology;
- receiving, by the payment device, data from the device reader to trigger activation of a payment application installed on a memory of the payment device;
- activating the payment application installed on a memory of the payment device;
- transferring, by the payment device, data identifying a payment account associated with the payment device for conducting a payment transaction;
- receiving, by the payment device, data from the device reader to update data stored on the payment device;
- after completion of the payment transaction from a holder of the payment device to the merchant, receiving, by the payment device, a script from the device reader for performing an issuer update on the payment device;
- performing the issuer update on the payment device using the device reader, wherein the issuer update is requested or required by an issuer of the payment account that transmits data to the payment device, wherein performing the issuer update further includes one or more of setting a value of a counter, configuring a function of the payment device, enabling a function of the payment device, disabling a function of the payment device, or accessing the data stored in the payment device;
- and
- receiving, along with the script from the device reader for performing the issuer update, a cryptogram for confirming authenticity of the issuer.
A payment device, comprising:
- a processor;
- a contactless element that communicates and transfers data using a wireless communications technology;
- a memory storing a payment application;
- and
- a set of instructions stored in the memory, which when executed by the processor, cause the processor to:
- detect a presence of a device reader of a merchant using the wireless communications technology;
- receive data from the device reader to trigger activation of the payment application;
- transfer data identifying a payment account associated with the payment device for conducting a payment transaction;
- receive data from the device reader to update data stored on the payment device;
- after completion of the payment transaction from a holder of the payment device to the merchant, receive a script from the device reader for performing an issuer update on the payment device;
- and
- perform the issuer update on the payment device using the device reader, wherein the issuer update is requested or required by an issuer of the payment account that transmits data to the payment device, wherein performing the issuer update further includes one or more of setting a value of a counter, configuring a function of the payment device, enabling a function of the payment device, disabling a function of the payment device, or accessing the data stored in the payment device;
- and
- receive, along with the script from the device reader for performing the issuer update, a cryptogram for confirming authenticity of the issuer.
Dependencies are inferred from the claim text.