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US 11,455,612 B2Granted
Payment systems and methods for managing payment card use
AssigneeMastercard International Incorporated
InventorsJames C Noe, Ian D A Maddocks, Sowmya R Lakka
Life of this patent
Estimating the term…
Abstract
A method, at a mobile device, of assigning a preferred payment application stored on the mobile device to a merchant, the method comprising the steps of: receiving a selection of a merchant at the mobile device; receiving a selection of a preferred payment application; and mapping the payment application to the merchant by creating a record containing an application identifier and a merchant identifier.
Claims8
A method, at a mobile device, of prioritising a preferred payment application stored on the mobile device, the method comprising the steps of:
- identifying an execution of a tap-in transaction in a multiple-transaction payment, the multiple-transaction payment utilizing tap-in and tap-out occurrences of identifying a payment application;
- determining which payment application was used to perform the tap-in transaction;
- assigning a highest priority value to a record which contains an application identifier which identifies the determined payment application used to perform the tap-in transaction;
- detecting that the mobile device is about to enter a low power mode, wherein the step of assigning a highest priority value to a record which contains an application identifier which identifies the determined payment application used to perform the tap-in transaction is performed when it is detected that the mobile device is about to enter the low power mode;
- and
- completing the execution of the tap-out transaction in the low power mode using the determined payment application, wherein:
- the low power mode is characterized by a lack of power for running a user interface, an operating system, or both on the mobile device, such that a user of the mobile device cannot select a desired payment application during the low power mode;
- the multiple-transaction payment is associated with a tap-in tap-out transit journey where the user is fined if the user cannot tap out with the same payment application used to tap in;
- and
- the step of assigning the highest priority value to the record when it is detected that the mobile device is about to enter the low power mode allows the user to tap out in the low power mode using the determined payment application used to tap in even though the user cannot select the determined application in said low power mode.
7 more elements
A mobile device, the mobile device comprising:
- a memory;
- at least one processor coupled to said memory;
- and
- a non-transitory persistent storage medium which contains instructions which, when loaded into said memory, configure said at least one processor to be operative to prioritize a preferred payment application stored on the mobile device by:
- identifying an execution of a tap-in transaction in a multiple-transaction payment, the multiple-transaction payment utilizing tap-in and tap-out occurrences of identifying a payment application;
- determining which payment application was used to perform the tap-in transaction;
- assigning a highest priority value to a record which contains an application identifier which identifies the determined payment application used to perform the tap-in transaction;
- detecting that the mobile device is about to enter a low power mode, wherein the step of assigning a highest priority value to a record which contains an application identifier which identifies the determined payment application used to perform the tap-in transaction is performed when it is detected that the mobile device is about to enter the low power mode;
- and
- completing the execution of the tap-out transaction in the low power mode using the determined payment application, wherein:
- the low power mode is characterized by a lack of power for running a user interface, an operating system, or both on the mobile device, such that a user of the mobile device cannot select a desired payment application during the low power mode;
- the multiple-transaction payment is associated with a tap-in tap-out transit journey where the user is fined if the user cannot tap out with the same payment application used to tap in;
- and
- the step of assigning the highest priority value to the record when it is detected that the mobile device is about to enter the low power mode allows the user to tap out in the low power mode using the determined payment application used to tap in even though the user cannot select the determined application in said low power mode.
11 more elements
Dependencies are inferred from the claim text.