Enhanced data interface for contactless communications

摘要

Embodiments of the invention are directed at an enhanced data interface (EDI) for contactless communications between a mobile application operating on a mobile device and an access device (e.g., contactless reader) that allows for enhanced verification between the mobile device and access device. One embodiment of the invention is directed to a method. The method comprises a mobile device receiving a request for available applets from an access device and providing a list of available applets including trusted applet identifiers and untrusted applet identifiers to the access device. The method further comprises receiving a selection of an untrusted applet identifier from the list and an entity identifier associated with the access device, validating that the access device is authorized to access credentials associated with the selected untrusted applet identifier using the entity identifier, and providing the credentials associated with the selected untrusted applet identifier to the access device.

主权项

1. A method comprising:
sending, by an hardware access device, a request for available applets to a hardware mobile device; receiving, by the hardware access device, a list of available applets including trusted applet identifiers and untrusted applet identifiers, the list of available applets including a wallet identifier for each of the available applets, wherein the wallet identifier identifies a mobile application that is associated with each of the available applets, and wherein an untrusted applet identifier indicates that an issuer associated with credentials of a corresponding applet did not participate in provisioning of the corresponding applet; determining, by the hardware access device, supported applet identifiers from the list of available applets; determining, by the hardware access device, that a highest priority applet of the supported applet identifiers includes an untrusted applet identifier by comparing the highest priority applet identifier to a directory of trusted applet identifiers and untrusted applet identifiers, and matching the highest priority applet identifier to an untrusted applet identifier within the directory; validating, by the hardware access device, that the wallet identifier is associated with a trusted entity before selecting the untrusted applet from the list; providing, by the hardware access device, a selection of the untrusted applet identifier from the list; providing, by the hardware access device, an entity identifier associated with the hardware access device to the hardware mobile device, wherein the mobile application of the hardware mobile device validates that the hardware access device is authorized to access the credentials associated with the selected untrusted applet identifier using the entity identifier by comparing the entity identifier to a list of trusted entity identifiers associated with the mobile application; and receiving, by the hardware access device, credentials associated with the selected untrusted applet identifier from the mobile application of the hardware mobile device.