Systems and methods for real-time application configuration for NFC transactions
Systems and methods real-time application configuration for NFC transactions using a secure-element based wallet are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for application configuration for NFC transactions may include: (1) a computer application executed by the information processing device receiving a selection of a provisioned financial instrument and a payment feature; (2) the computer application identifying a directory entry for the provisioned financial instrument having the selected payment feature; and (3) the computer application modifying an application priority indicator in the identified directory entry.
1. A method for application configuration for NFC transactions, comprising:
in an information processing device comprising at least one computer processor:
a computer application executed by the information processing device receiving a selection of a provisioned financial instrument and a payment profile associated with the selected provisioned financial instrument, wherein the provisioned financial instrument is provisioned with at least two payment profiles, each payment profile associated with a directory entry in a Proximity Payment System Environment (PPSE) FCI template, each directory entry having a priority indicator stored therein: and
the computer application modifying the priority indicator for the selected payment profile within the directory entry.
2. The method of claim 1 , wherein the computer application is a host wallet service.
3. The method of claim 1 , wherein the selection of the provisioned financial instrument and the payment profile are received from a mobile electronic wallet executed by the information processing device.
4. The method of claim 1 , wherein the information processing device is a mobile electronic device.
5. The method of claim 1 , wherein the priority indicator is stored in a secure element of the information processing device.
6. The method of claim 1 , further comprising:
the computer application restoring the priority indicator to a default value following a transaction.
7. The method of claim 1 , further comprising:
the computer application restoring the priority indicator to a default value after a passage of a predetermined amount of time.
8. The method of claim 1 , further comprising:
in response to a request, providing the PPSE FCI template to a point of transaction device.
9. The method of claim 1 , wherein the selected payment profile is to pay with an alternate currency.
10. The method of claim 9 , wherein the alternate currency comprises rewards points.
11. A system for application configuration for NFC transactions, comprising:
a backend for an issuer;
an electronic wallet for an issuer executed by an electronic device; and
a host wallet service executed by the electronic device;
wherein:
the electronic wallet receives a selection of a provisioned financial instrument and a payment profile associated with the selected provisioned financial instrument from a user, wherein the provisioned financial instrument is provisioned with at least two payment profiles, each payment profile including associated with a directory entry in a Proximity Payment System Environment (PPSE) FCI template, each directory entry having a priority setting stored therein:
the electronic wallet communicating the selection of the provisioned financial instrument and the payment profile to the host wallet service; and
the host wallet service modifying the priority indicator for the selected payment profile within the directory entry.
12. The system of claim 11 , wherein the priority indicator is stored in a secure element of the electronic device.
13. The system of claim 11 , wherein the host wallet service restores the priority indicator to a default value following a transaction.
14. The system of claim 11 , wherein the host wallet service restores the priority indicator to a default value after a passage of a predetermined amount of time.
15. The system of claim 11 , further comprising:
in response to a request, providing the PPSE FCI template to a point of transaction device.
16. The system of claim 15 , wherein the backend processes a transaction using the selected payment profile.
17. The system of claim 11 , wherein the selected payment profile is to pay with an alternate currency.
18. The system of claim 17 , wherein the alternate currency comprises rewards points.