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

A system to manage contactless commerce transactions, comprising at least one processor operable to:

• identify a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to a reader device;
• in response to identifying the first tap, transmit, to the mobile device, a first select commerce command including a select commerce application identifier (AID) corresponding to a first commerce application;
• receive, from the mobile device, a first response based on the select commerce application identifier (AID) of the first select commerce command, the first response indicating that the mobile device is compatible with providing commerce elements corresponding to the first commerce application;
• in response to the receiving the indication that the mobile device is compatible with providing commerce elements corresponding to the first commerce application, transmit, to the mobile device, a data request including merchant specific information comprising a merchant identifier;
• receive, from the mobile device, a second response based on the data request, the second response including a package of data comprising commerce elements corresponding to the merchant specific information comprising the merchant identifier;
• transmit, to the mobile device, a payment AID request;
• receive, from the mobile device, an AID corresponding to a second payment application;
• transmit, to the mobile device, a second select command including the AID corresponding to the second payment application;
• and
• receive, from the mobile device, payment data in response to the second select command.

A method to manage contactless commerce transactions, comprising:

• identifying, using the computing device, a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to a terminal device;
• in response to identifying the first tap, transmitting, using the computing device and to the mobile device, a first select commerce command including a select commerce application identifier (AID) corresponding to a first commerce application;
• receiving, using the computing device and from the mobile device, a first response based on the select commerce application identifier (AID) of the first select commerce command, the first response indicating that the mobile device is compatible with providing commerce elements;
• in response to the receiving the indication that the mobile device is compatible with providing commerce elements corresponding to the first commerce application, transmitting, using the computing device and to the mobile device, a data request including merchant specific information comprising a merchant identifier;
• and
• receiving, using the computing device and from the mobile device, a second response based on the data request, the second response comprising a package of data including commerce elements corresponding to the merchant specific information comprising the merchant identifier;
• transmitting, using the computing device and to the mobile device, a payment AID request;
• receiving, using the computing device and from the mobile device, an AID corresponding to a second payment application;
• transmitting, using the computing device and to the mobile device, a second select command including the AID corresponding to the second payment application;
• and
• receiving, using the computing device and from the mobile device, payment data in response to the second select command.

A computer program product, comprising:

• a non-transitory computer-readable medium having stored thereon computer-executable instructions, that when executed by one or more processors, cause the one or more processors to manage contactless commerce transactions, the computer-executable instructions comprising:
• computer-executable instructions to identify a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to the terminal device;
• in response to identifying the first tap, computer-executable instructions to transmit, to the mobile device, a first select commerce command including a select commerce application identifier (AID) corresponding to a first commerce application;
• computer-executable instructions to receive, from the mobile device, a first response based on the select commerce application identifier (AID) of the first select commerce command, the first response indicating that the mobile device is compatible with providing commerce elements;
• computer-executable instructions to transmit, in response to the receiving the indication that the mobile device is compatible with providing commerce elements corresponding to the first commerce application, to the mobile device, a data request including merchant specific information comprising a merchant identifier;
• computer-executable instructions to receive, from the mobile device, a second response based on the data request, the second response including a package of data comprising commerce elements corresponding to the merchant specific information comprising the merchant identifier;
• computer-executable instructions to transmit, to the mobile device, a payment AID request;
• computer-executable instructions to receive, from the mobile device, an AID corresponding to a second payment application;
• computer-executable instructions to transmit, to the mobile device, a second select command including the AID corresponding to the second payment application;
• and
• computer-executable instructions to receive, from the mobile device, payment data in response to the second select command.