Non-default application selection during a transaction

Patent metadata

Field	Value
Publication number	US-11138583-B2
Application number	US-202016752953-A
Country	US
Kind code	B2
Filing date	Jan 27, 2020
Priority date	Feb 8, 2019
Publication date	Oct 5, 2021
Grant date	Oct 5, 2021

Abstract

During recent years, chip-based transactions has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with relevant specifications and standards such as the EMV standards.A computer implemented transaction method is provided that enables a first application to be switched with a second application whilst the transaction is in progress, and without loss of information relating to the transaction. The switching process can be facilitated by either instructing a user to remove an identification device, such as a mobile phone or a chipcard, out of a field produced by a terminal and subsequently return the identification device to within the field produced by the terminal, or turning an antenna of the identification device off, waiting a predetermined length of time and turning the antenna back on again. This enables the transaction to be completed using an optimal application whilst also providing a positive user experience throughout.

First claim

The invention claimed is:

1. A computer-implemented transaction method performed by a processor of an identification device, the method comprising:
operating an environment including an application list comprising at least one first application parameter that is associated with a first application;
transmitting, to a Point of Interaction, POI, terminal and using an antenna of the identification device, the application list;
receiving, from the POI terminal and using the antenna, a first request for confirmation that a transaction should proceed using the first application;
applying one or more rules to data contained within the first request, the one or more rules comprising one or more of the following:
a currency rule specifying that the response for restarting the transaction is to be transmitted where it is determined that a currency of the transaction does not match a currency associated with the first application, and that a currency associated with a second, different application does match the currency of the transaction;
a threshold value rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a value of the transaction exceeds a threshold value associated with the first application, and that the value of the transaction does not exceed a threshold value associated with the second application; and
a merchant identity rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a POI terminal merchant identifier that is associated with the POI terminal does not match a merchant identifier associated with the first application, and that the POI terminal merchant identifier does match a merchant identifier associated with the second application;

determining, based on the application of the one or more rules, that the transaction is to proceed using the second application instead of the first application;
transmitting, to the POI terminal and using the antenna, a response for restarting the transaction;
modifying the application list to generate a modified application list, the modified application list comprising at least one second application parameter that is associated with the second application;
performing a further action comprising:
displaying a user-intelligible instruction on a display of the identification device, the user-intelligible instruction requesting that the identification device is removed from a field generated by the POI terminal and subsequently placed back within said field; or
disabling the antenna and subsequently enabling the antenna after a predetermined time has elapsed;

transmitting, to the POI terminal and using the antenna, the modified application list;
receiving, from the POI terminal and using the antenna, a second request for confirmation that the transaction should proceed using the second application; and
transmitting, to the POI terminal and using the antenna, a response to the second request.

2. The computer-implemented transaction method of claim 1 , wherein modifying the application list to generate the modified application list further comprises:
removing the at least one first application parameter from the application list; and
adding the at least one second application parameter to the application list.

3. The computer-implemented transaction method of claim 1 , wherein the application list further comprises:
the at least one second application parameter,
a first application priority value; and
a second application priority value;

wherein modifying the application list to generate the modified application list further comprises:
modifying the first priority value and/or the second priority value such that a priority of the second application is higher than a priority of the first application.

4. The computer-implemented transaction method of claim 1 , wherein the response for restarting the transaction is a response that causes the POI terminal avoid having to carry out a pre-processing stage in which at least a payment amount and payment currency are specified.

5. The computer-implemented transaction method of claim 1 , wherein the response to the second request comprises an authorization message or a decline message.

6. The computer-implemented transaction method of claim 1 , wherein the user-intelligible instruction comprises text and/or at least one image.

7. The computer-implemented transaction method of claim 1 , wherein the identification device comprises a contactless chipcard or a software application executing on a mobile device, preferably wherein the mobile device is a mobile phone.

8. The computer-implemented transaction method of claim 1 , further comprising:
transmitting, to the POI terminal and using the antenna, a request for a merchant unique identifier; and
receiving, from the POI terminal and using the antenna, a message including a field populated with the merchant unique identifier;
wherein determining, based on the application of the one or more rules, that the transaction is to proceed using the second, different application instead of the first application further comprises:
determining that the second application is associated with the merchant unique identifier; and
based on the determining, selecting the second application for continuing the transaction.

9. A non-transitory computer-readable medium storing program instructions that, when executed by a processor of an identification device, cause the identification device to:
operate an environment including an application list comprising at least one first application parameter that is associated with a first application;
transmit, to a Point of Interaction, POI, terminal and using an antenna of the identification device, the application list;
receive, from the POI terminal and using the antenna, a first request for confirmation that a transaction should proceed using the first application;
apply one or more rules to data contained within the first request, the one or more rule comprising any one or more of the following:
a currency rule specifying that the response for restarting the transaction is to be transmitted where it is determined that a currency of the transaction does not match a currency associated with the first application, and that a currency associated with a second, different application does match the currency of the transaction;
a threshold value rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a value of the transaction exceeds a threshold value associated with the first application, and that the value of the transaction does not exceed a threshold value associated with the second application; and
a merchant identity rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a POI terminal merchant identifier that is associated with the POI terminal does not match a merchant identifier associated with the first application, and that the POI terminal merchant identifier does match a merchant identifier associated with the second application;

determine, based on the application of the one or more rules, that, the transaction is to proceed using the second application instead of the first application;
transmit, to the POI terminal and using the antenna, a response for restarting the transaction;
modify the application list to generate a modified application list, the modified application list comprising at least one second application parameter that is associated with the second application;
perform a further action comprising:
displaying a user-intelligible instruction on a display of the identification device, the

Assignees

• Mastercard International Inc

Inventors

• Tierney John
• Hay Florent

Classifications

• G06Q20/32

  using wireless devices · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/204 Primary

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title