Dynamic smart card application loading
View Patent ↗A system is provided for smart card application loading. The system includes a mobile device comprising an electronic wallet and a smart card, with the smart card including resident smart card application. The mobile device authenticates a request to load selected smart card application on the mobile device and provides loading approval. The mobile device saves some information for the resident smart card application, and loads the selected smart card application to the smart card in response to the loading approval.
1. A system for selectively loading smart card applications to a smart card in an electronic wallet on a mobile device comprising:
a mobile device comprising an electronic wallet and a smart card, the smart card including a resident smart card application,
wherein the mobile device is configured to authenticate a request to load a selected smart card application to the smart card and to provide loading approval,
wherein the mobile device is further configured to determine whether the smart card has sufficient memory for the selected smart card application, and
wherein in response to a determination that the smart card memory does not have sufficient memory for the selected smart card application, the mobile device is further configured to remove at least some information for the resident smart card application from the smart card, to load a proxy, which requires a smaller memory on the smart card than the at least some information for the resident smart card application being removed and facilitates re-loading the resident smart card application to the smart card in the future, to the smart card as a placeholder for the resident smart card application, and to load the selected smart card application to the smart card in response to the loading approval and loading of the proxy.
2. The system of claim 1 , wherein the electronic wallet is configured to use a set of rules to select the selected smart card application for a transaction.
3. The system of claim 1 , wherein the electronic wallet is configured to select several smart card applications based on processing a set of rules, and wherein a user selects one of the several smart card applications for the transaction via a list of the several smart card applications selected by the electronic wallet presented by a user interface.
4. The system of claim 1 , wherein the mobile device further comprises:
a user interface to select the selected smart card application for a transaction.
5. The system of claim 1 , wherein the mobile device is further configured to determine whether the selected smart card application is on the smart card and to determine whether the smart card has sufficient memory for the selected smart card application in response to a determination that the selected smart card application is not on the smart card.
6. The system of claim 1 , wherein the mobile device is further configured to save the resident smart card application to at least one of the mobile device and a server.
7. The system of claim 1 , wherein the mobile device is further configured to encrypt the at least some information for the resident smart card application and store the encrypted information on a memory of the mobile device.
8. The system of claim 1 , wherein the mobile device is further configured to encrypt the resident smart card application.
9. The system of claim 1 , wherein the proxy is configured to facilitate re-loading the resident smart card application to the smart card in the future by replacing the resident smart card application and retaining an application identifier used for the resident smart card application.
10. The system of claim 1 , wherein the selected smart card application is on at least one of a server and the mobile device.
11. The system of claim 1 further comprising a server configured to use a digital certificate to authenticate the request from the mobile device.
12. The system of claim 1 , wherein the selected smart card application resides in at least one of the mobile device and a server.
13. The system of claim 1 , wherein the mobile device is further configured to use a digital certificate to promote replacing the resident smart card application with the proxy.
14. The system of claim 1 , wherein the mobile device is further configured to use a digital certificate to promote loading the selected smart card application to the smart card.
15. The system of claim 1 further comprising a card reader to communicate with the resident smart card application via contact-less communication for the transaction, wherein the communication is further defined as a radio frequency communication.
16. The system of claim 1 , wherein the at least some information for the resident smart card application comprises at least one of the resident smart card application, an account number for the resident smart card application, an account limit for the resident smart card application, and an account balance for the resident smart card application.
17. A method for selectively loading smart card applications to a smart card in an electronic wallet on a mobile device comprising:
authenticating a request to load a selected smart card application to a smart card on the mobile device;
providing loading approval;
determining, by a mobile device, whether the smart card has sufficient memory for the selected smart card application;
removing, by the mobile device, at least some information for the resident smart card application from the smart card in response to a determination that the smart card memory does not have sufficient memory for the selected smart card application;
loading, by the mobile device, a proxy to the smart card as a placeholder for the resident smart card application, wherein the proxy requires a smaller memory on the smart card than the at least some information for the resident smart card application being removed and facilitates re-loading the resident smart card application to the smart card in the future; and
loading, by the mobile device, the selected smart card application to the smart card in response to the loading approval and loading the proxy.
18. The method of claim 17 further comprising saving, by the mobile device, the at least some of the information for the resident smart card application to at least one of a memory on the mobile device and a server.
19. A system for selectively loading smart card applications to a smart card in an electronic wallet on a mobile device comprising:
a mobile device comprising an electronic wallet and a smart card, the smart card including a resident smart card application; and
a server configured to authenticate a request from the mobile device to load a selected smart card application and to provide loading approval to the mobile device,
wherein the mobile device is configured to determine whether the smart card has sufficient memory for the selected smart card application, and
wherein in response to a determination that the smart card memory does not have sufficient memory for the selected smart card application, the mobile device is further configured to remove at least some information for the resident smart card application from the smart card, to load a proxy, which requires a smaller memory on the smart card than the at least some information for the resident smart card application being removed and facilitates re-loading the resident smart card application to the smart card in the future, to the smart card as a placeholder for the resident smart card application, and to load the selected smart card application to the smart card in response to the loading approval and loading of the proxy.
20. The system of claim 19 , wherein the resident smart card application is at least one of a transit card, a loyalty card, an identification card, a credit card, a coupon card, a security card, an access card, a debit card, and a rewards card.