System and Method for Physical-World Based Dynamic Contactless Data Emulation in a Portable Communication Device
A system for dynamically adjusting the contactless data emulation used by a portable communication device based on its geo-location. The system determines a geo-location of the portable communication device by transmitting the current geo-location data using a most appropriate channel to a server; receiving data regarding payment systems potentially co-located with the portable communication device; and configuring a payment system in the portable communication device with the data formats and other contact-less point of sale data specific to payment system potentially co-located with the device. A method for dynamically adjusting the contactless data emulation used by a portable communication device based on its geo-location is also disclosed.
1 . A system for dynamically adjusting the contactless data emulation used by a portable communication device based on the geo-location of the portable communication device, the system comprising:
means for determining a current geo-location of the portable communication device;
means for transmitting the current geo-location data using most appropriate channel to a server;
means for receiving data regarding payment systems potentially co-located with the portable communication device; and
means for configuring a payment system in the portable communication device with the data formats and other contact-less point of sale data specific to payment system potentially co-located with the device.
2 . The system of claim 1 wherein the means for determining a current geo-location include GPS.
3 . The system of claim 1 wherein the means for determining a current geo-location include Control Plane Location.
4 . The system of claim 1 wherein the means for determining a current geo-location include a user interface for prompting a user to enter a location.
5 . The system of claim 1 wherein the means for determining a current geo-location includes GSM localization.
6 . The system of claim 1 wherein the means for receiving data include a server in communication with a database and configured to perform a database query to determine which contactless point of sale terminal is installed at the determined current geo-location.
7 . The system of claim 1 further including means for displaying to the user a list of the next most likely retail stores where the portable communication device may be located.
8 . A method for dynamically adjusting the contactless data emulation used by a portable communication device based on the geo-location of the portable communication device, the system comprising:
determining a current geo-location of the portable communication device;
transmitting the current geo-location data using most appropriate channel to a server;
receiving data regarding payment systems potentially co-located with the portable communication device; and
configuring a payment system in the portable communication device with the data formats and other contact-less point of sale data specific to payment system potentially co-located with the device.
9 . The method of claim 8 further including performing a database query to determine which contactless point of sale terminal is installed at the determined current geo-location.
10 . The method of claim 8 further including displaying to a user a list of the next most likely retail stores where the portable communication device may be located.
11 . The method of claim 8 further including identifying to the consumer new card products available for the determined current geo-location.