US Patent No. 9,147,187


Patent No. 9,147,187
Issue Date September 29, 2015
Title Storing And Accessing A Plurality Of Payment Options On A Secure Element
Inventorship Michael A. Gailloux, Overland Park, KS (US)
Lauren Ricardo St. Aubyn King, Somerset, NJ (US)
Assignee Sprint Communications Company L.P., Overland Park, KS (US)

Claim of US Patent No. 9,147,187

1. A method of using a portable electronic device to make a payment by near field communication using a selected payment option,
installing a third party application on a portable electronic device in a user memory partition;
sending, to an application layer of the portable electronic device, a request to associate the third party application with
a payment option stored on a secure element on the portable electronic device, wherein the secure element is a portion of
a second memory partition on the portable electronic device, and wherein the application layer isolates the third party application
in the user memory partition from the secure element in the second memory partition and acts as a buffer or gatekeeper between
the third party application and the secure element such that the third party application is not in direct communication with
the secure element;

comparing, by the application layer, a category of the third party application to a plurality of use restrictions defined
by an issuer of the payment option, wherein the plurality of use restrictions comprise a category of a transaction;

determining, by the application layer, based on the comparison, that the category of the third party application meets the
plurality of use restrictions;

receiving, by the application layer, a selection of the payment option from the third party application based on the determination
that the category of the third party application meets the plurality of use restrictions;

associating, by the application layer, the selected payment option to the third party application as a default payment option,
wherein the third party application executes after the association has been established and after the selected payment option
is configured by the application layer as the default payment option for the third party application; and

subsequent to the associating, communicating the default payment option to a point-of sale terminal via a near-field-communication
to make a payment.