Contactless data exchange between mobile devices and readers involving value information not necessary to perform a transaction

Abstract

Embodiments of the disclosure are directed to performing a transaction between a mobile device and an access device. Value information is provided to the access device by the mobile device. The value information is not necessary to complete the transaction.

What is claimed is: 
     
         1 . A method for performing a transaction with an access device, the method comprising the following steps, in order:
 a) receiving, by a mobile device, an available applications request from the access device;   b) transmitting, by the mobile device, an available applications response to the access device;   c) receiving, by the mobile device from the access device, a select application identifier request, wherein the select application identifier request includes a provider identifier;   d) retrieving, by the mobile device, value information not necessary to perform the transaction from a server by supplying the server with the provider identifier;   e) transmitting, by the mobile device to the access device, a select application identifier response;   f) receiving, by the mobile device from the access device, a transaction data request; and   g) providing, by the mobile device to the access device, a transaction data response,   wherein value information not necessary to perform the transaction is provided to the access device in the select application identifier response or the transaction data response in steps e) or g).   
     
     
         2 . The method of  claim 1 , wherein the select application identifier request includes a provider identifier, the method of  claim 1  further comprising:
 identifying, by the mobile device, the value information as being associated with the provider identifier; and 
 adding, by the mobile device, the value information to a file associated with an application file locator. 
 
     
     
         3 . The method of  claim 1 , wherein the transaction data response includes a first application file locator and a second application file locator, the first application file locator for accessing transaction data to perform the transaction and the second application file locator for accessing the value information. 
     
     
         4 . The method of  claim 1 , wherein the available applications response includes a value indicator, the value indicator indicating whether the mobile device has access to the value information. 
     
     
         5 . The method of  claim 1 , wherein the value information is transmitted to the access device in a near-field communication (NFC) protocol. 
     
     
         6 . A mobile device comprising:
 processing logic;   an antenna coupled to the processing logic; and   a non-transitory computer readable medium coupled to the processing logic, wherein the non-transitory computer readable medium comprises instructions executable by the processing logic, the instructions causing the mobile device to perform operations to perform a transaction, the operations comprising:
 a) receiving an available applications request from an access device; 
 b) transmitting an available applications response to the access device; 
 c) receiving a select application identifier request from the access device, wherein the select application identifier request includes a provider identifier; 
 d) retrieving value information not necessary to perform the transaction from a server by supplying the server with the provider identifier; 
 e) transmitting a select application identifier response to the access device; 
 f) receiving, from the access device, a transaction data request; and 
 g) providing, to the access device, a transaction data response, 
   wherein value information not necessary to perform the transaction is provided to the access device in the select application identifier response or the transaction data response in steps e) or g).   
     
     
         7 . The mobile device of  claim 6 , wherein the select application identifier request includes a provider identifier, the non-transitory computer readable medium comprising further instruction causing the mobile device to perform further operations comprising:
 identifying the value information as being associated with the provider identifier; and   adding the value information to a file associated with an application file locator.   
     
     
         8 . The mobile device of  claim 6 , wherein the antenna is configured for near-field communication (NFC), and wherein the value information is transmitted to the access device in an NFC protocol. 
     
     
         9 . The mobile device of  claim 6 , wherein the mobile device is a mobile phone. 
     
     
         10 . The mobile device of  claim 6 , wherein the available applications response includes a value indicator, the value indicator indicating whether the mobile device has access to the value information. 
     
     
         11 . A method for performing a transaction, the method comprising the following steps, in order:
 a) transmitting, by an access device, an available applications request to a mobile device;   b) receiving, by the access device, an available applications response from the mobile device;   c) transmitting, by the access device, a select application identifier request to the mobile device, wherein the select application identifier request includes a provider identifier, the provider identifier usable by the mobile device for retrieving, from a server, value information not necessary to perform the transaction by supplying the server with the provider identifier;   d) receiving, by the access device, a select application identifier response from the mobile device;   e) transmitting, by the access device, a transaction data request to the mobile device; and   f) receiving, by the access device, a transaction data response from the mobile device,   wherein value information not necessary to perform the transaction is provided to the access device in the select application identifier response or the transaction data response in steps d) or f).   
     
     
         12 . The method of  claim 11 , wherein the available applications response includes a list of applications of the mobile device for performing the transaction, the method further comprising:
 selecting, by the access device, a selected application from the list of applications to complete the transaction, the select application identifier response identifying the selected application.   
     
     
         13 . The method of  claim 11 , wherein the transaction data response includes a first application file locator and a second application file locator, the first application file locator for accessing transaction data to perform the transaction and the second application file locator for accessing the value information. 
     
     
         14 . The method of  claim 11  further comprising:
 accessing a provider identifier assigned to the access device; and 
 including the provider identifier in the select application identifier request, wherein the value information is included in the select application identifier response, the value information being associated with the provider identifier. 
 
     
     
         15 . The method of  claim 11 , wherein the available applications response includes a value indicator, the value indicator indicating whether the mobile device has access to the value information. 
     
     
         16 . The method of  claim 15  further comprising:
 determining whether the value indicator indicates that the mobile device has access to the value information; and 
 including a provider identifier in the select application identifier request when the value indicator indicates that the mobile device has access to the value information. 
 
     
     
         17 . The method of  claim 16 , wherein the select application identifier response includes the value information, the value information being associated with the provider identifier. 
     
     
         18 . The method of  claim 11 , wherein the value information is transmitted to the access device in a near-field communication (NFC) protocol. 
     
     
         19 . An access device for performing a wireless transaction comprising:
 processing logic;   an antenna coupled to the processing logic; and   a non-transitory computer readable medium coupled to the processing logic, wherein the non-transitory computer readable medium comprises instructions executable by the processing logic, the instructions causing the access device to perform operations comprising:
 transmitting, by the antenna, an available applications request to a mobile device; 
 receiving, by the antenna, an available applications response from the mobile device; 
 transmitting, by the antenna, a select application identifier request to the mobile device, wherein the select application identifier request includes a provider identifier, the provider identifier usable by the mobile device for retrieving, from a server, value information not necessary to perform the transaction by supplying the server with the provider identifier; 
 receiving, by the antenna, a select application identifier response from the mobile device; 
 transmitting, by the antenna, a transaction data request to the mobile device, wherein the transaction data request includes the provider identifier; 
 receiving, by the antenna, a reply to the transaction data request, the reply including transaction data for completing the wireless transaction; and 
 receiving, by the antenna, value information that is not required to complete the wireless transaction, the value information associated with the provider identifier. 
   
     
     
         20 . The access device of  claim 19 , wherein the value information is included with the transaction data in the reply, the reply received by the antenna in a single near-field communication (NFC) transmission.