Systems, methods, and computer program products for providing a contactless protocol

Abstract

Systems, methods, and computer program products are provided for managing contactless transactions. An activation request is received. A first tap from a mobile device is identified. The first tap occurs when the mobile device is placed within a predetermined proximity to the system. A first select command including an AID corresponding to a first application is transmitted to the mobile device. A first response based on the first select command is received from the mobile device. A data request including information indicating supported data types is transmitted to the mobile device. A second response based on the data request and including transaction data is received from the mobile device.

1 - 18 . (canceled) 
     
     
         19 . A system to manage contactless commerce transactions, comprising at least one processor operable to:
 identify a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to a reader device;   in response to identifying the first tap, transmit, to the mobile device, a first select commerce command including a select commerce application identifier (AID) corresponding to a first commerce application;   receive, from the mobile device, a first response based on the select commerce application identifier (AID) of the first select commerce command, the first response indicating that the mobile device is compatible with providing commerce elements corresponding to the first commerce application;   in response to the receiving the indication that the mobile device is compatible with providing commerce elements corresponding to the first commerce application, transmit, to the mobile device, a data request including merchant specific information comprising a merchant identifier;   receive, from the mobile device, a second response based on the data request, the second response including a package of data comprising commerce elements corresponding to the merchant specific information comprising the merchant identifier;   transmit, to the mobile device, a payment AID request;   receive, from the mobile device, an AID corresponding to a second payment application;   transmit, to the mobile device, a second select command including the AID corresponding to the second payment application; and   receive, from the mobile device, payment data in response to the second select command.   
     
     
         20 . The system of  claim 19 , the at least one processor being further operable to:
 determine that the first select commerce command was successfully processed; and   transmit the commerce elements to a merchant point of sale (POS) device.   
     
     
         21 . The system of  claim 19 , the at least one processor being further operable to:
 receive, from the mobile device, file control information (FCI) corresponding to the second payment application.   
     
     
         22 . The system of  claim 19 , the at least one processor being further operable to:
 determine whether or not the first select commerce command and the second select command were successfully processed; and   transmit the commerce elements and the payment data to the merchant POS system.   
     
     
         23 . The system of  claim 19 , the at least one processor being further operable to:
 receive enhanced commerce data from the merchant POS device;   identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a proximity to the reader device; and   in response to identifying the second tap, transmit, to the mobile device, the post-transaction data.   
     
     
         24 . The system of  claim 19 , the at least one processor being further operable to:
 receive enhanced commerce data from the merchant POS system;   identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a proximity to the reader device;   transmit, to the mobile device, a third select commerce command including the AID corresponding to the first application;   receive, from the mobile device, a third response based on the third select commerce command;   transmit, to the mobile device, the enhanced commerce data; and   receive, from the mobile device, a fourth response based on the enhanced commerce data.   
     
     
         25 . A method to manage contactless commerce transactions, comprising:
 identifying, using the computing device, a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to a terminal device;   in response to identifying the first tap, transmitting, using the computing device and to the mobile device, a first select commerce command including a select commerce application identifier (AID) corresponding to a first commerce application;   receiving, using the computing device and from the mobile device, a first response based on the select commerce application identifier (AID) of the first select commerce command, the first response indicating that the mobile device is compatible with providing commerce elements;   in response to the receiving the indication that the mobile device is compatible with providing commerce elements corresponding to the first commerce application, transmitting, using the computing device and to the mobile device, a data request including merchant specific information comprising a merchant identifier; and   receiving, using the computing device and from the mobile device, a second response based on the data request, the second response comprising a package of data including commerce elements corresponding to the merchant specific information comprising the merchant identifier;   transmitting, using the computing device and to the mobile device, a payment AID request;   receiving, using the computing device and from the mobile device, an AID corresponding to a second payment application;   transmitting, using the computing device and to the mobile device, a second select command including the AID corresponding to the second payment application; and   receiving, using the computing device and from the mobile device, payment data in response to the second select command.   
     
     
         26 . The method of  claim 25 , further comprising:
 determining, using the computing device, that the first select commerce command was successfully processed; and   transmitting, using the computing device, the commerce elements to a merchant point of sale (POS) device.   
     
     
         27 . The method of  claim 25 , further comprising:
 receiving, using the computing device and from the mobile device, file control information (FCI) corresponding to the second payment application.   
     
     
         28 . The method of  claim 25 , further comprising:
 determining, using the computing device, whether or not the first select commerce command and the second select command were successfully processed; and   transmitting, using the computing device, the commerce elements and the payment data to the merchant POS system.   
     
     
         29 . The method of  claim 25 , further comprising:
 receiving, using the computing device, enhanced commerce data from the merchant POS device;   identifying, using the computing device, a second tap from the mobile device, the second tap occurring when the mobile device is placed within a proximity to the terminal device; and   in response to identifying the second tap, transmit, using the computing device and to the mobile device, the enhanced commerce data.   
     
     
         30 . The method of  claim 25 , further comprising:
 receiving, using the computing device, enhanced commerce data from the merchant POS system;   identifying, using the computing device, a second tap from the mobile device, the second tap occurring when the mobile device is placed within a proximity to the terminal device;   transmitting, using the computing device and to the mobile device, a third select commerce command including the AID corresponding to the first application;   receiving, using the computing device and from the mobile device, a third response based on the third select commerce command;   transmitting, using the computing device and to the mobile device, the enhanced commerce data; and   receiving, using the computing device and from the mobile device, a fourth response based on the enhanced commerce data.   
     
     
         31 . A computer program product, comprising:
 a non-transitory computer-readable medium having stored thereon computer-executable instructions, that when executed by one or more processors, cause the one or more processors to manage contactless commerce transactions, the computer-executable instructions comprising:
 computer-executable instructions to identify a first tap from a mobile device, the first tap occurring when the mobile device is placed within a proximity to the terminal device; 
 in response to identifying the first tap, computer-executable instructions to transmit, to the mobile device, a first select commerce command including a select commerce application identifier (AID) corresponding to a first commerce application; 
 computer-executable instructions to receive, from the mobile device, a first response based on the select commerce application identifier (AID) of the first select commerce command, the first response indicating that the mobile device is compatible with providing commerce elements; 
 computer-executable instructions to transmit, in response to the receiving the indication that the mobile device is compatible with providing commerce elements corresponding to the first commerce application, to the mobile device, a data request including merchant specific information comprising a merchant identifier; 
 computer-executable instructions to receive, from the mobile device, a second response based on the data request, the second response including a package of data comprising commerce elements corresponding to the merchant specific information comprising the merchant identifier; 
 computer-executable instructions to transmit, to the mobile device, a payment AID request; 
 computer-executable instructions to receive, from the mobile device, an AID corresponding to a second payment application; 
 computer-executable instructions to transmit, to the mobile device, a second select command including the AID corresponding to the second payment application; and 
 computer-executable instructions to receive, from the mobile device, payment data in response to the second select command. 
   
     
     
         32 . The computer program product of  claim 31 , further comprising:
 computer-executable instructions to determine whether or not the first select commerce command was successfully processed; and   computer-executable instructions to transmit the commerce elements to a merchant point of sale (POS) device.   
     
     
         33 . The computer program product of  claim 31 , further comprising:
 computer-executable instructions to receive, from the mobile device, file control information (FCI) corresponding to the second payment application.   
     
     
         34 . The computer program product of  claim 31 , further comprising:
 computer-executable instructions to determine that the first select commerce command and the second select command were successfully processed; and   computer-executable instructions to transmit the commerce elements and the payment data to the merchant POS device.   
     
     
         35 . The computer program product of  claim 31 , further comprising:
 computer-executable instructions to receive enhanced commerce data from the merchant POS device;   computer-executable instructions to identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a proximity to the terminal device; and   in response to identifying the second tap, computer-executable instructions to transmit, to the mobile device, the enhanced commerce data.   
     
     
         36 . The computer program product of  claim 31 , further comprising:
 computer-executable instructions to receive enhanced commerce data from the merchant POS device;   computer-executable instructions to identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a proximity to the terminal device;   computer-executable instructions to transmit, to the mobile device, a third select commerce command including the AID corresponding to the first commerce application;   computer-executable instructions to receive, from the mobile device, a third response based on the third select commerce command; and   computer-executable instructions to transmit, to the mobile device, the enhanced commerce data.