| 摘要 |
A method of selecting a payment option from multiple payment credentials 206, 207 held on a mobile device 114 e.g. smartphone, watch or payment card, comprises creating a record associating a payment application with a merchant, using application and merchant identifiers. The merchant identifier may specify a terminal, merchant or group of merchants and may comprise geographic zoning or time e.g. day, week or time of day. When a transaction is to be made the terminal 109 receives a single record or plural records from the device 402 and searches them for a relevant merchant identifier 403. If one is found the payment is made 404 using the credentials identified by the application identifier. Otherwise the transaction is rejected or made using a default payment application. On detection of a transaction, e.g. tapping into a transit system, the payment application used may be determined and a priority value e.g. API in a PPSE system, may be set for that application, optionally for a predetermined time period, to ensure the same application is used on tap-out, even if the device enters low power mode (Figure 5). |
