SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING A CONTACTLESS PROTOCOL

1 . A system for managing contactless transactions comprising:

at least one processor operable to:

receive an activation request;

identify a first tap from a mobile device, the first tap occurring when the mobile device is placed within a predetermined proximity to the system;

transmit to the mobile device a first select command including an application identifier (AID) corresponding to a first application;

receive from the mobile device a first response based on the first select command;

transmit to the mobile device a data request including information indicating supported data types; and

receive from the mobile device a second response based on the data request, the second response including transaction data.

2 . The system of claim 1 , the at least one processor being further operable to:

determine whether or not the first select command was successfully processed; and

transmit the transaction data to a merchant point of sale (POS) system.

3 . The system of claim 1 , the at least one processor being further operable to:

transmit a payment AID request to the mobile device;

receive from the mobile device an AID corresponding to a second application;

transmit to the mobile device a second select command including the AID corresponding to the second application;

receive from the mobile device file control information (FCI) corresponding to the second application; and

receive payment data from the mobile device.

4 . The system of claim 3 , the at least one processor being further operable to:

determine whether or not the first select command and the second select command were successfully processed; and

transmit the transaction data and the payment data to the merchant POS system.

5 . The system of claim 1 or claim 3 , the at least one processor being further operable to:

receive post-transaction data from the merchant POS system;

identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a predetermined proximity to the system; and

transmit the post-transaction data to the mobile device.

6 . The system of claim 1 , the at least one processor being further operable to:

receive post-transaction data from the merchant POS system;

identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a predetermined proximity to the system;

transmit a payment AID request to the mobile device;

receive from the mobile device an AID corresponding to a second application;

transmit to the mobile device a second select command including the AID corresponding to the second application;

receive from the mobile device file control information (FCI) corresponding to the second application;

receive payment data from the mobile device;

transmit to the mobile device a third select command including the AID corresponding to the first application;

receive from the mobile device a third response based on the third select command;

transmit to the mobile device the post-transaction data; and

receive from the mobile device a fourth response based on the post-transaction data;

determine whether or not the first select command, second select command, and third select command were successfully processed; and

transmit the payment data to the merchant POS system.

7 . A method for managing contactless transactions, the method comprising steps of:

receiving an activation request;

identifying a first tap from a mobile device, the first tap occurring when the mobile device is placed within a predetermined proximity to the a terminal;

transmitting to the mobile device a first select command including an application identifier (AID) corresponding to a first application;

receiving from the mobile device a first response based on the first select command;

transmitting to the mobile device a data request including information indicating supported data types; and

receiving from the mobile device a second response based on the data request, the second response including transaction data.

8 . The method of claim 7 , further comprising steps of:

determining whether or not the first select command was successfully processed; and

transmitting the transaction data to a merchant point of sale (POS) system.

9 . The method of claim 7 , further comprising steps of:

transmitting a payment AID request to the mobile device;

receiving from the mobile device an AID corresponding to a second application;

transmitting to the mobile device a second select command including the AID corresponding to the second application;

receiving from the mobile device file control information (FCI) corresponding to the second application; and

receiving payment data from the mobile device.

10 . The method of claim 9 , further comprising steps of:

determining whether or not the first select command and the second select command were successfully processed; and

transmitting the transaction data and the payment data to the merchant POS system.

11 . The method of claim 7 or claim 9 , further comprising steps of:

receiving post-transaction data from the merchant POS system;

identifying a second tap from the mobile device, the second tap occurring when the mobile device is placed within a predetermined proximity to the terminal; and

transmit the post-transaction data to the mobile device.

12 . The method of claim 7 , further comprising steps of:

receiving post-transaction data from the merchant POS system;

identifying a second tap from the mobile device, the second tap occurring when the mobile device is placed within a predetermined proximity to the terminal;

transmitting a payment AID request to the mobile device;

receiving from the mobile device an AID corresponding to a second application;

transmitting to the mobile device a second select command including the AID corresponding to the second application;

receiving from the mobile device file control information (FCI) corresponding to the second application;

receiving payment data from the mobile device;

transmitting to the mobile device a third select command including the AID corresponding to the first application;

receiving from the mobile device a third response based on the third select command;

transmitting to the mobile device the post-transaction data; and

receiving from the mobile device a fourth response based on the post-transaction data;

determining whether or not the first select command, second select command, and third select command were successfully processed; and

transmitting the payment data to the merchant POS system.

13 . A non-transitory computer-readable medium having stored thereon sequences of instructions for causing one or more processors to:

receive an activation request;

identify a first tap from a mobile device, the first tap occurring when the mobile device is placed within a predetermined proximity to the terminal;

transmit to the mobile device a first select command including an application identifier (AID) corresponding to a first application;

receive from the mobile device a first response based on the first select command;

transmit to the mobile device a data request including information indicating supported data types; and

receive from the mobile device a second response based on the data request, the second response including transaction data.

14 . The computer-readable medium of claim 13 , having stored thereon sequences of instructions for further causing the one or more processors to:

determine whether or not the first select command was successfully processed; and

transmit the transaction data to a merchant point of sale (POS) system.

15 . The computer-readable medium of claim 13 , having stored thereon sequences of instructions for further causing the one or more processors to:

transmit a payment AID request to the mobile device;

receive from the mobile device an AID corresponding to a second application;

transmit to the mobile device a second select command including the AID corresponding to the second application;

receive from the mobile device file control information (FCI) corresponding to the second application; and

receive payment data from the mobile device.

16 . The computer-readable medium of claim 15 , having stored thereon sequences of instructions for further causing the one or more processors to:

determine whether or not the first select command and the second select command were successfully processed; and

transmit the transaction data and the payment data to the merchant POS system.

17 . The computer-readable medium of claim 13 or claim 15 , having stored thereon sequences of instructions for further causing the one or more processors to:

receive post-transaction data from the merchant POS system;

identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a predetermined proximity to the terminal; and

transmit the post-transaction data to the mobile device.

18 . The computer-readable medium of claim 13 , having stored thereon sequences of instructions for further causing the one or more processors to:

receive post-transaction data from the merchant POS system;

identify a second tap from the mobile device, the second tap occurring when the mobile device is placed within a predetermined proximity to the terminal;

transmit a payment AID request to the mobile device;

receive from the mobile device an AID corresponding to a second application;

transmit to the mobile device a second select command including the AID corresponding to the second application;

receive from the mobile device file control information (FCI) corresponding to the second application;

receive payment data from the mobile device;

transmit to the mobile device a third select command including the AID corresponding to the first application;

receive from the mobile device a third response based on the third select command;

transmit to the mobile device the post-transaction data; and

receive from the mobile device a fourth response based on the post-transaction data;

determine whether or not the first select command, second select command, and third select command were successfully processed; and

transmit the payment data to the merchant POS system.