Non-default application selection during a transaction
During recent years, chip-based transactions has been changing from mainly physical, like a chipcard, to mainly virtual, such as a software application on a mobile device. Although such mobile devices are very powerful compared to a conventional chip card, the data interactions with POI terminals must still be compliant with relevant specifications and standards such as the EMV standards. A computer implemented transaction method is provided that enables a first application to be switched with a second application whilst the transaction is in progress, and without loss of information relating to the transaction. The switching process can be facilitated by either instructing a user to remove an identification device, such as a mobile phone or a chipcard, out of a field produced by a terminal and subsequently return the identification device to within the field produced by the terminal, or turning an antenna of the identification device off, waiting a predetermined length of time and turning the antenna back on again. This enables the transaction to be completed using an optimal application whilst also providing a positive user experience throughout.
1. A computer-implemented transaction method performed by a processor of an identification device, the method comprising:
operating an environment including an application list comprising at least one first application parameter that is associated with a first application;
transmitting, to a Point of Interaction, POI, terminal and using an antenna of the identification device, the application list;
receiving, from the POI terminal and using the antenna, a first request for confirmation that a transaction should proceed using the first application;
applying one or more rules to data contained within the first request, the one or more rules comprising one or more of the following:
a currency rule specifying that the response for restarting the transaction is to be transmitted where it is determined that a currency of the transaction does not match a currency associated with the first application, and that a currency associated with a second, different application does match the currency of the transaction;
a threshold value rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a value of the transaction exceeds a threshold value associated with the first application, and that the value of the transaction does not exceed a threshold value associated with the second application; and
a merchant identity rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a POI terminal merchant identifier that is associated with the POI terminal does not match a merchant identifier associated with the first application, and that the POI terminal merchant identifier does match a merchant identifier associated with the second application;
determining, based on the application of the one or more rules, that the transaction is to proceed using the second application instead of the first application;
transmitting, to the POI terminal and using the antenna, a response for restarting the transaction;
modifying the application list to generate a modified application list, the modified application list comprising at least one second application parameter that is associated with the second application;
performing a further action comprising:
displaying a user-intelligible instruction on a display of the identification device, the user-intelligible instruction requesting that the identification device is removed from a field generated by the POI terminal and subsequently placed back within said field; or
disabling the antenna and subsequently enabling the antenna after a predetermined time has elapsed;
transmitting, to the POI terminal and using the antenna, the modified application list;
receiving, from the POI terminal and using the antenna, a second request for confirmation that the transaction should proceed using the second application; and
transmitting, to the POI terminal and using the antenna, a response to the second request.
2. The computer-implemented transaction method of claim 1 , wherein modifying the application list to generate the modified application list further comprises:
removing the at least one first application parameter from the application list; and
adding the at least one second application parameter to the application list.
3. The computer-implemented transaction method of claim 1 , wherein the application list further comprises:
the at least one second application parameter,
a first application priority value; and
a second application priority value;
wherein modifying the application list to generate the modified application list further comprises:
modifying the first priority value and/or the second priority value such that a priority of the second application is higher than a priority of the first application.
4. The computer-implemented transaction method of claim 1 , wherein the response for restarting the transaction is a response that causes the POI terminal avoid having to carry out a pre-processing stage in which at least a payment amount and payment currency are specified.
5. The computer-implemented transaction method of claim 1 , wherein the response to the second request comprises an authorization message or a decline message.
6. The computer-implemented transaction method of claim 1 , wherein the user-intelligible instruction comprises text and/or at least one image.
7. The computer-implemented transaction method of claim 1 , wherein the identification device comprises a contactless chipcard or a software application executing on a mobile device, preferably wherein the mobile device is a mobile phone.
8. The computer-implemented transaction method of claim 1 , further comprising:
transmitting, to the POI terminal and using the antenna, a request for a merchant unique identifier; and
receiving, from the POI terminal and using the antenna, a message including a field populated with the merchant unique identifier;
wherein determining, based on the application of the one or more rules, that the transaction is to proceed using the second, different application instead of the first application further comprises:
determining that the second application is associated with the merchant unique identifier; and
based on the determining, selecting the second application for continuing the transaction.
9. A non-transitory computer-readable medium storing program instructions that, when executed by a processor of an identification device, cause the identification device to:
operate an environment including an application list comprising at least one first application parameter that is associated with a first application;
transmit, to a Point of Interaction, POI, terminal and using an antenna of the identification device, the application list;
receive, from the POI terminal and using the antenna, a first request for confirmation that a transaction should proceed using the first application;
apply one or more rules to data contained within the first request, the one or more rule comprising any one or more of the following:
a currency rule specifying that the response for restarting the transaction is to be transmitted where it is determined that a currency of the transaction does not match a currency associated with the first application, and that a currency associated with a second, different application does match the currency of the transaction;
a threshold value rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a value of the transaction exceeds a threshold value associated with the first application, and that the value of the transaction does not exceed a threshold value associated with the second application; and
a merchant identity rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a POI terminal merchant identifier that is associated with the POI terminal does not match a merchant identifier associated with the first application, and that the POI terminal merchant identifier does match a merchant identifier associated with the second application;
determine, based on the application of the one or more rules, that, the transaction is to proceed using the second application instead of the first application;
transmit, to the POI terminal and using the antenna, a response for restarting the transaction;
modify the application list to generate a modified application list, the modified application list comprising at least one second application parameter that is associated with the second application;
perform a further action comprising:
displaying a user-intelligible instruction on a display of the identification device, the user-intelligible instruction requesting that the identification device is removed from a field generated by the POI terminal and subsequently placed back within said field; or
disabling the antenna and subsequently enabling the antenna after a predetermined time has elapsed;
transmit, to the POI terminal and using the antenna, the modified application list;
receive, from the POI terminal and using the antenna, a second request for confirmation that the transaction should proceed using the second application; and
transmit, to the POI terminal and using the antenna, a response to the second request.
10. The non-transitory computer-readable medium of claim 9 , wherein, as part of modifying the application list to generate the modified application list, the identification device is caused to:
remove the at least one first application parameter from the application list; and
add the at least one second application parameter to the application list.
11. The non-transitory computer-readable medium of claim 9 , wherein the application list further comprises:
the at least one second application parameter,
a first application priority value; and
a second application priority value;
wherein, as part of modifying the application list to generate the modified application list, the identification device is caused to:
modify the first priority value and/or the second priority value such that a priority of the second application is higher than a priority of the first application.
12. The non-transitory computer-readable medium of claim 9 , wherein the response for restarting the transaction is a response that causes the POI terminal avoid having to carry out a pre-processing stage in which at least a payment amount and payment currency are specified.
13. An identification device comprising a processor, the processor configured to cause the identification device to:
operate an environment including an application list comprising at least one first application parameter that is associated with a first application;
transmit, to a Point of Interaction, POI, terminal and using an antenna of the identification device, the application list;
receive, from the POI terminal and using the antenna, a first request for confirmation that a transaction should proceed using the first application;
apply one or more rules to data contained within the first request, the one or more rules comprising any one or more of the following:
a currency rule specifying that the response for restarting the transaction is to be transmitted where it is determined that a currency of the transaction does not match a currency associated with the first application, and that a currency associated with a second, different application does match the currency of the transaction:
a threshold value rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a value of the transaction exceeds a threshold value associated with the first application, and that the value of the transaction does not exceed a threshold value associated with the second application; and
a merchant identity rule specifying that a response for restarting the transaction is to be transmitted where it is determined that a POI terminal merchant identifier that is associated with the POI terminal does not match a merchant identifier associated with the first application, and that the POI terminal merchant identifier does match a merchant identifier associated with the second application;
determine, based on the application of the one or more rules, that the transaction is to proceed using the second application instead of the first application;
transmit, to the POI terminal and using the antenna, a response for restarting the transaction;
modify the application list to generate a modified application list, the modified application list comprising at least one second application parameter that, is associated with the second application;
perform a further action comprising:
displaying a user-intelligible instruction on a display of the identification device, the user-intelligible instruction requesting that the identification device is removed from a field generated by the POI terminal and subsequently placed back within said field; or
disabling the antenna and subsequently enabling the antenna after a predetermined time has elapsed;
transmit, to the POI terminal and using the antenna, the modified application list;
receive, from the POI terminal and using the antenna, a second request for confirmation that the transaction should proceed using the second application; and
transmit, to the POI terminal and using the antenna, a response to the second request.
14. The identification device of claim 13 , wherein, as part of modifying the application list to generate the modified application list, the identification device is caused to:
remove the at least one first application parameter from the application list; and
add the at least one second application parameter to the application list.
15. The identification device of claim 13 , wherein the application list further comprises:
the at least one second application parameter,
a first application priority value; and
a second application priority value;
wherein, as part of modifying the application list to generate the modified application list, the identification device is caused to:
modify the first priority value and/or the second priority value such that a priority of the second application is higher than a priority of the first application.
16. The identification device of claim 13 , wherein the response for restarting the transaction is a response that causes the POI terminal avoid having to carry out a pre-processing stage in which at least a payment amount and payment currency are specified.
17. The identification device of claim 13 , wherein the identification device is one of: a contactless chipcard; and a mobile device, preferably a mobile phone.