Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device

Patent metadata

Field	Value
Publication number	US-9767452-B2
Application number	US-201213669346-A
Country	US
Kind code	B2
Filing date	Nov 5, 2012
Priority date	Nov 3, 2011
Publication date	Sep 19, 2017
Grant date	Sep 19, 2017

Abstract

Methods, systems, and computer readable media for utilizing and provisioning an aggregated soft card are disclosed. In one embodiment, the method includes receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card. The method also includes requesting component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from a plurality of issuing system servers. The method further includes generating aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers and sending the aggregated soft card data to the mobile device.

First claim

What is claimed is:

1. A system for provisioning and utilizing an aggregated soft card on a mobile device, the system comprising:
a plurality of soft card issuing system servers configured to store component soft card data; and
a trusted service manager (TSM) server configured to receive a request for an aggregated soft card from a mobile device, to access a mapping database to identify a primary component soft card and at least one secondary component soft card that constitutes the aggregated soft card using an aggregated soft card identifier contained in the request from the mobile device and to identify addresses of the soft card issuing system servers hosting the component soft card data associated with each of the primary component soft card and at least one secondary component soft card, to request the component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from the plurality of soft card issuing system servers, to generate aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers, and to send the aggregated soft card data to the mobile device, wherein the aggregated soft card data includes image data that comprises a single visual representation of the aggregated soft card, wherein the link includes an application identifier linking list that specifies a predefined preference order in which the primary component soft card and the at least one secondary component soft card are attempted for use in a wireless transaction between the mobile device and a wireless device reader in the event the single visual representation of the aggregated soft card graphically displayed on the mobile device is selected to conduct the wireless transaction, wherein the application identifier linking list contains application identifiers that identify the primary component soft card and the at least one secondary component soft card and are loaded into a proximity payment system environment (PPSE) application of the mobile device in accordance with the predefined preference order upon the aggregated soft card being selected to conduct the wireless transaction with the wireless device reader, wherein the wireless device reader accesses the PPSE in the mobile device to process the application identifiers and subsequently processes the primary component soft card and the at least one secondary component soft card during the wireless transaction per an order in which the application identifiers are listed in the PPSE application, and wherein the predefined preference order is defined by an issuer of the primary component soft card, wherein each of the application identifiers for the primary component soft card and the at least one secondary soft card includes a field that includes an indicator that respectively designates each of the primary component soft card and the at least one secondary soft card as a component of the aggregated soft card.

2. The system of claim 1 wherein the wireless device reader is configured to receive a request from the mobile device to conduct the wireless transaction using the aggregated soft card provisioned on the mobile device, to select at least one of the primary component soft card and the at least one secondary component soft card to conduct the wireless transaction based on one or more determination factors, and to conduct the wireless transaction over a communications link using the selected at least one component soft card.

3. The system of claim 2 wherein the mobile device is used to select the aggregated soft card.

4. The system of claim 2 wherein the communications link includes at least one of: a near field communication (NFC) communications link, a Bluetooth communications link, a WiFi communications link, and a WiMax communications link.

5. The system of claim 2 wherein the one or more determination factors includes at least one of: a priority order listing maintained in a preferred application list maintained at the wireless device reader, a soft card selection made by a merchant at a point of sale associated with the wireless device reader, a selection made by a user of the wireless mobile device, a user preference stored in the mobile device, a real-time determination based on evaluation of an available offer or promotion, and a user preference stored on a back-end server.

6. The system of claim 2 wherein the wireless device reader includes a an NFC enabled point of sale terminal device, an NFC enabled boarding pass reader, an NFC enabled check-in reader, an NFC enabled door lock access controller, an NFC enabled transit ticket reader, an NFC enabled transportation ticket reader, and an NFC enabled ticket reader.

7. The system of claim 2 wherein the wireless transaction is conducted by the mobile device and the wireless device reader either via a card emulation mode or a peer to peer (P2P) mode.

8. The system of claim 1 wherein the mobile device includes an NFC enabled mobile device, a Bluetooth enabled mobile device, or a WiFi enabled mobile device.

9. The system of claim 7 wherein the NFC enabled mobile device includes at least one of: an NFC enabled smart phone device, an NFC enabled tablet, and an NFC enabled personal data assistant (PDA).

10. The system of claim 1 wherein the primary component soft card and the at least one secondary component soft card each includes a virtual gift card, a virtual loyalty card, a virtual prepaid card, a virtual coupon, a virtual ticket, a virtual boarding pass, a virtual transit card, a virtual credit card, a virtual debit card, a virtual payment card, a virtual charge card, a virtual voucher, a virtual membership card, a virtual health insurance card, a virtual reward card, a virtual business card, a virtual access pass, a virtual automotive insurance card, a virtual pharmacy card, a virtual library card, a virtual passport.

11. The system of claim 1 wherein the TSM server is configured to generate the application identifier linking list that indicates a priority order of application identifiers associated with each of the primary component soft card and the at least one secondary component soft card.

12. The system of claim 11 wherein the TSM server is configured to send the application identifier linking list along with soft card data associated with each of the first component soft card and at least one secondary component soft card.

13. The system of claim 1 wherein the mobile device receives the aggregated soft card data from the TSM server via a secure element-trusted service manager (SE-TSM) server, wherein the TSM server includes a service provider trusted service manager (SP-TSM) server.

14. The system of claim 1 wherein the mobile device receives the aggregated soft card data directly from the TSM server, wherein the TSM server includes a service provider trusted service manager (SP-TSM) server.

15. The system of claim 1 wherein the aggregated soft card is visually displayed on the mobile device as a single soft card representation that includes at least one of: an icon, a symbol, a graphic, an image, and a displayed name.

16. A method for provisioning and utilizing an aggregated soft card on a mobile device, the method comprising:
receiving a request for an aggregated soft card from a mobile device;
accessing a mapping database to identify a primary component soft card and at least one secondary component soft card that constitutes the aggregated soft card using an aggregated soft card identifier contained in the request from the mobile device;
identifying addresses of the

Assignees

• Mastercard International Inc

Inventors

• Khan Mohammad
• Kumar Pradeep
• Singh Dickey B
• Martin Philippe

Classifications

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/36 Primary

  using electronic wallets or electronic money safes · CPC title

• G06Q20/3278

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

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/02

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title