Processing a transaction using multiple application identifiers

US11010747B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Christopher Jones · Greenbrae, US
• Christian Aabye · Foster City, US
• Oleg Makhotin · Paris, FR

Key dates

• Filing date: Aug 29, 2019
• Grant date: May 18, 2021
• Expiry date: Nov 26, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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. A merchant may prepare multiple transaction payloads for a single transaction, and 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.