Over the air management of payment application installed in mobile device

Patent metadata

Field	Value
Publication number	US-2021264404-A1
Application number	US-202117316375-A
Country	US
Kind code	A1
Filing date	May 10, 2021
Priority date	Sep 22, 2008
Publication date	Aug 26, 2021
Grant date	—

Abstract

A method is disclosed. The method includes determining whether the counter has reached a threshold value. The method also includes sending a request to reset the counter, to a payment authorizing entity, if it is determined that the counter has reached the threshold value, and then receiving, from the payment authorizing entity, a script in response to the request. The method also includes executing a command to perform an operation specified in the script

First claim

What is claimed is:

1 . A method for managing a counter associated with a payment application resident on a mobile device, by the mobile device, the method comprising:
determining whether the counter has reached a threshold value; sending a request to reset the counter, to a payment authorizing entity, if it is determined that the counter has reached the threshold value; receiving, from the payment authorizing entity, a script in response to the request; and executing a command to perform an operation specified in the script.

2 . The method of claim 1 , wherein prior to determining whether the counter has reached the threshold value, receiving a request for conducting a transaction.

3 . The method of claim 2 , wherein the transaction is an offline transaction.

4 . The method of claim 1 , wherein the operation specified in the script is to not reset the counter.

5 . The method of claim 1 , wherein the threshold value is a combined maximum value for all offline transactions.

6 . The method of claim 1 , wherein the mobile device is a mobile phone.

7 . The method of claim 2 , wherein prior to determining whether the counter has reached the threshold value, receiving a request for conducting a payment transaction.

8 . The method of claim 1 , wherein the mobile device is a mobile phone.

9 . The method of claim 1 , wherein the payment authorizing entity is an issuer computer.

10 . A mobile device comprising:
a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for causing the processor to perform operations comprising determining whether a counter has reached a threshold value, sending a request to reset the counter, to a payment authorizing entity, if it is determined that the counter has reached the threshold value, receiving, from the payment authorizing entity, a script in response to the request, and executing a command to perform an operation specified in the script.

11 . The mobile device of claim 10 , wherein prior to determining whether the counter has reached the threshold value, receiving a request for conducting a transaction.

12 . The mobile device of claim 10 , wherein the operation specified in the script is to not reset the counter.

13 . The mobile device of claim 10 , wherein the mobile device is a cellular phone.

14 . The mobile device of claim 10 , further comprising a contactless element coupled to the processor.

15 . A method for managing a counter of a payment application resident on a mobile device, by a payment authorizing entity, the method comprising:
receiving a request, from the payment application, to reset the counter; determining whether or not to reset the counter based at least in part on one or more policies and information about a user associated with the payment application; generating a command script based on the determination; and sending the command script to the payment application.

16 . The method of claim 15 , wherein sending the command script includes sending the command script to a mobile payment gateway prior to the command script being forwarded to the payment application.

17 . The method of claim 15 , wherein the mobile device is a mobile phone.

18 . The method of claim 15 , wherein the mobile device comprises a contactless element.

19 . The method of claim 15 , wherein the payment authorizing entity is an issuer computer.

20 . The method of claim 15 , wherein the command script specifies an operation, and the operation specified in the command script is to not reset the counter.

Assignees

• Visa Int Service Ass

Inventors

• Aabye Christian
• Brand Olivier
• Lindelsee Michael
• Mirizzi Joseph J
• Ngo Hao
• White Lauren
• Wilson David William

Classifications

• G06Q20/326 Primary

  Payment applications installed on the mobile devices · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06Q20/3227 Primary

  using secure elements embedded in M-devices · CPC title

• G06Q20/325

  using wireless networks · CPC title