Systems, Methods, and Computer Program Products for Providing a Contactless Protocol

A system to manage contactless commerce transactions between mobile devices and payment terminals, the system comprising:

• one or more processors;
• and
• one or non-transitory computer readable media that collectively store instructions that when executed by the one or more processors cause the one or more processors to perform operations, the operations comprising:
• identifying a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to a payment terminal;
• in response to identifying the first tap, transmitting to the mobile device a first select commerce command including an application identifier (AID) corresponding to a first commerce application;
• receiving, from the mobile device, a first response based on the AID corresponding to the first select commerce command;
• transmitting, to the mobile device, a data request including merchant specific information;
• receiving, from the mobile device, a second response including a package of data generated based on the data request, the package of data including at least one commerce element corresponding to the merchant specific information;
• transmitting, to the mobile device, a select payment command including an application identifier (AID) corresponding to a payment application;
• and
• receiving, from the mobile device, 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 computer-implemented method to manage contactless commerce transactions between mobile devices and payment terminals, the method comprising, by one or more processors:

• identifying a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to a payment terminal;
• in response to identifying the first tap, transmitting to the mobile device a first select commerce command including an application identifier (AID) corresponding to a first commerce application;
• receiving, from the mobile device, a first response based on the AID corresponding to the first select commerce command;
• transmitting, to the mobile device, a data request including merchant specific information;
• receiving, from the mobile device, a second response including a package of data generated based on the data request, the package of data including at least one commerce element corresponding to the merchant specific information;
• transmitting, to the mobile device, a select payment command including an application identifier (AID) corresponding to a payment application;
• and
• receiving, from the mobile device, 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.

One or more non-transitory computer readable media that collectively store instructions that when executed by one or more processors cause the one or more processors to perform operations, the operations comprising:

• identifying a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to a payment terminal;
• in response to identifying the first tap, transmitting to the mobile device a first select commerce command including an application identifier (AID) corresponding to a first commerce application;
• receiving, from the mobile device, a first response based on the AID corresponding to the first select commerce command;
• transmitting, to the mobile device, a data request including merchant specific information;
• receiving, from the mobile device, a second response including a package of data generated based on the data request, the package of data including at least one commerce element corresponding to the merchant specific information;
• transmitting, to the mobile device, a select payment command including an application identifier (AID) corresponding to a payment application;
• and
• receiving, from the mobile device, 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.