Systems, methods, and computer program products for providing a contactless protocol

1. A system to manage contactless commerce transactions between mobile devices and payment terminals, comprising:

a mobile device comprising at least one memory operable to store commerce data and financial instrument data and one or more processors coupled to the at least one memory, the one or more processors being operable to:

perform a first tap, the first tap occurring when the mobile device is placed within a proximity to a payment terminal;

in response to performing the first tap, receive from the payment terminal a first select commerce command including an application identifier (AID) corresponding to a first commerce application;

transmit to the payment terminal a first response based on the AID corresponding to the first select commerce command;

receive from the payment terminal a data request including merchant specific information; and

transmit to the payment terminal a second response including a package of data generated based on the data request, the package of data including commerce elements corresponding to the merchant specific information, wherein the commerce elements include at least a portion of the commerce data retrieved from the at least one memory;

receive from the payment terminal a select payment command including an application identifier (AID) corresponding to a payment application; and

transmit to the payment terminal a third response comprising payment data corresponding to the application identifier (AID) corresponding to the payment application, the payment data configured for transaction processing by the payment terminal.

2. The system of claim 1 , the one or more processors being further operable to:

transmit to the payment terminal file control information (FCI) corresponding to the payment application; and

wherein the payment data includes at least a portion of the financial instrument data stored in the at least one memory.

3. The system of claim 1 , the at least one processor being further operable to perform a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal.

4. The system of claim 1 , the at least one processor being further operable to perform a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal, wherein the first tap and the second tap occur in response to a first tap request and a second tap request, respectively, received from the payment terminal.

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

perform a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal, transmit to the payment terminal file control information (FCI) corresponding to the payment application;

receive from the payment terminal a third select commerce command including an AID corresponding to the first commerce application;

transmit to the payment terminal a third response based on the third select commerce command;

receive from the payment terminal post-transaction data; and

transmit to the payment terminal a fourth response based on the post-transaction data.

6. The system of claim 1 , wherein the payment terminal comprises a contactless reader and/or a point of sale terminal.

7. A method for managing contactless commerce contractions between mobile devices and payment terminals, the method comprising steps of:

performing a first tap, the first tap occurring when a mobile device is placed within a proximity to a payment terminal;

in response to performing the first tap, receiving from the payment terminal a first select commerce command including an application identifier (AID) corresponding to a first commerce application;

transmitting to the payment terminal a first response based on the AID corresponding to the first select commerce command;

receiving from the payment terminal a data request including merchant specific information; and

transmitting to the payment terminal a second response including a package of data generated based on the data request, the package of data including commerce elements corresponding to the merchant specific information, wherein the commerce elements include at least a portion of commerce data retrieved from at least one memory;

receiving from the payment terminal a select payment command including an application identifier (AID) corresponding to a payment application; and

transmitting to the payment terminal a third response comprising payment data corresponding to the application identifier (AID) corresponding to the payment application, the payment data configured for transaction processing by the payment terminal.

8. The method of claim 7 , further comprising steps of: transmitting to the payment terminal file control information (FCI) corresponding to the payment application, wherein the payment data includes at least a portion of the financial instrument data stored in the at least one memory.

9. The method of claim 7 , further comprising a step of performing a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal.

10. The method of claim 7 , further comprising a step of performing a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal, wherein the first tap and the second tap occur in response to a first tap request and a second tap request, respectively, received from the payment terminal.

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

performing a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal,

transmitting to the payment terminal file control information (FCI) corresponding to the payment application;

receiving from the payment terminal a third select commerce command including an AID corresponding to the first commerce application;

transmitting to the payment terminal a third response based on the third select commerce command;

receiving from the payment terminal post-transaction data; and

transmitting to the payment terminal a fourth response based on the post-transaction data.

12. The method of claim 7 , wherein the payment terminal comprises a contactless reader and/or a point of sale terminal.

13. A non-transitory computer-reader storage medium having stored thereon sequences of instructions that when executed by a computer cause the computer to perform operations to manage contactless commerce transactions between mobile devices and payment terminals, the operations comprising:

detecting a first tap, the first tap occurring when a mobile device is placed within a proximity to a payment terminal;

in response to detecting the first tap, receiving from the payment terminal a first select commerce command including an application identifier (AID) corresponding to a first application;

transmitting to the payment terminal a first response based on the AID corresponding to the first select commerce command;

receiving from the payment terminal a data request including merchant specific information; and

transmitting to the payment terminal a second response including a package of data generated based on the data request, the package of data including commerce elements corresponding to the merchant specific information, wherein the commerce elements include at least a portion of commerce data retrieved from at least one memory;

receiving from the payment terminal a select payment command including an application identifier (AID) corresponding to a payment application; and

transmitting to the payment terminal a third response comprising payment data corresponding to the application identifier (AID) corresponding to the payment application, the payment data configured for transaction processing by the payment terminal.

14. The non-transitory computer-reader storage medium of claim 13 , wherein the operations further comprise:

transmitting to the payment terminal file control information (FCI) corresponding to the payment application, wherein the payment data includes at least a portion of the financial instrument data stored in the at least one memory.

15. The non-transitory computer-reader storage medium of claim 13 , wherein the operations further comprise detecting a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal.

16. The non-transitory computer-reader storage medium of claim 13 , wherein the operations further comprise detecting a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal, wherein the first tap and the second tap occur in response to a first tap request and a second tap request, respectively, received from the payment terminal.

17. The non-transitory computer-reader storage medium of claim 13 , wherein the operations further comprise:

detecting a second tap, the second tap occurring when the mobile device is placed within a proximity to the payment terminal,

transmitting to the payment terminal file control information (FCI) corresponding to the payment application;

receiving from the payment terminal a third select commerce command including an AID corresponding to the first commerce application;

transmitting to the payment terminal a third response based on the third select commerce command;

receiving from the payment terminal post-transaction data; and

transmitting to the payment terminal a fourth response based on the post-transaction data.

18. The non-transitory computer-reader storage medium of claim 13 , wherein the payment terminal comprises a contactless reader and/or a point of sale terminal.