Processing a transaction using multiple application identifiers
US10445718B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 29, 2014 |
| Grant date | Oct 15, 2019 |
| Priority date | — |
| Expiry date | Jan 15, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/405
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments of the present invention are directed to methods, systems, apparatuses, and computer-readable mediums for selecting multiple payment applications and preparing multiple transaction payloads for a transaction during interaction between a mobile device and an access device. Accordingly, by preparing multiple transaction payloads for a single transaction, a merchant may initiate transactions using each of the prepared transaction payloads in order of preference. If a transaction initiated using payment credentials associated with a preferred application is unsuccessful for any reason, a transaction may be initiated using payment credentials associated with an alternate application automatically, and without additional interaction by the mobile device and/or access device.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.