SELECTING MOBILE WALLET APPLICATION FOR A TRANSACTION CONDUCTED USING A SMART CARD

摘要

A merchant point-of-sale terminal may include a local merchant file having a list of preferred AIDs (application identifiers) determined by the merchant and used to select the payment vehicle used to conduct a transaction with a smart card. The list of preferred AIDs may be used in a priority established by the merchant.

主权项

1. A method for conducting a transaction at a merchant terminal using a smart card, wherein the transaction is processed using any one of a plurality of payment applications executed at the merchant terminal, each payment application identified by an application identifier, the method comprising:
storing, at the merchant terminal, a merchant file containing a merchant file list of one or more application identifiers (AIDs) established by the merchant and preferred by the merchant in conducting the transaction, each AID identifying one of the plurality of payment applications, with the AIDs in the merchant file list having a preferred order of use established by the merchant; retrieving a terminal list of AIDs stored at the merchant terminal and established in advance by a payment processor of the merchant; receiving from the smart card a card list of AIDs established by an issuer of the card; comparing the terminal list of AIDs stored at the merchant terminal with the card list of AIDs established by the issuer; creating a candidate list of AIDs, with the candidate list being those AIDs that are common to both the terminal list and the card list; and conducting the transaction at the merchant terminal using only AIDs in the candidate list that are also in the merchant file list.