Selecting mobile wallet application for a transaction conducted using a smart card
AssigneeFirst Data Corporation
InventorsVijay K. Royyuru, Dennis Ciaran O'Hegarty
Life of this patent
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Abstract
A merchant point-of-sale terminal may include a local merchant file having a list of preferred AIDs (application identifiers) determined by the merchant and used to select the payment vehicle used to conduct a transaction with a smart card. The list of preferred AIDs may be used in a priority established by the merchant.
Claims22
A method for conducting a transaction at a merchant terminal using a smart card, wherein the transaction is processed using any one of a plurality of payment applications executed at the merchant terminal, each payment application identified by an application identifier, the method comprising:
- storing, at the merchant terminal, a merchant file containing a merchant file list of one or more application identifiers (AIDs) established by the merchant and preferred by the merchant in conducting the transaction, each AID identifying one of the plurality of payment applications, with the AIDs in the merchant file list having a preferred order of use established by the merchant;
- storing, at the merchant terminal, a terminal list of AIDS from the merchant file list of AIDs and established in advance by a payment processor of the merchant;
- retrieving the terminal list of AIDs stored at the merchant terminal and established in advance by the payment processor of the merchant;
- receiving from the smart card a card list of AIDs established by an issuer of the card;
- comparing the terminal list of AIDs stored at the merchant terminal and established in advance by the payment processor with the card list of AIDs established by the issuer;
- creating a candidate list of AIDs, with the candidate list being those AIDs that are common to both the terminal list and the card list;
- comparing the created candidate list of AIDs to the merchant file list of AIDs established and preferred by the merchant in order to identify AIDs in the candidate list that are also in the merchant file list;
- and
- conducting the transaction at the merchant terminal using only AIDs in the candidate list that are also in the merchant file list.
A system for conducting a transaction at a merchant terminal using a smart card, wherein the transaction is processed using any one of a plurality of payment applications executed at the merchant terminal, each payment application identified by an application identifier, the system comprising:
- a processor;
- and
- a memory, the memory having stored therein a sequence of instructions which, when executed by the processor, cause the processor to:
- store, at the merchant terminal, a merchant file containing a merchant file list of one or more application identifiers (AIDs) established by the merchant and preferred by the merchant in conducting the transaction, each AID identifying one of the plurality of payment applications, with the AIDs in the merchant file list having a preferred order of use established by the merchant;
- store, at the merchant terminal, a terminal list of AIDs separate from the merchant file list of AIDs and established in advance by a payment processor of the merchant;
- retrieve the terminal list of AIDs stored at the merchant terminal and established in advance by the payment processor of the merchant;
- receive from the smart card a card list of AIDs established by an issuer of the card;
- compare the terminal list of AIDs stored at the merchant terminal and established in advance by a payment processor with the card list of AIDs established by the issuer;
- create a candidate list of AIDs, with the candidate list being those AIDs that are common to both the terminal list and the card list;
- compare the created candidate list of AIDs to the merchant file list of AIDs established and preferred by the merchant in order to identify AIDs in the candidate list that are also in the merchant file list;
- and
- conduct the transaction at the merchant terminal using only AIDs in the candidate list that are also in the merchant file list.
Dependencies are inferred from the claim text.