Merchant-specific functionality services

Abstract

Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

1 - 20 . (canceled) 
     
     
         21 . A computer-implemented method to facilitate payments with closed loop financial accounts during proximity payment transactions, comprising by a user computing device:
 detecting a radio frequency field generated by a merchant computing device, a user operating the user computing device intending to complete a payment transaction;   receiving a request to activate a proximity mobile application that corresponds to a proximity applet operating on the merchant computing device, the proximity applet interrupting a payment process for the payment transaction by initiating a non-Proximity Payment System Environment (non-PPSE) communication protocol with the user computing device;   establishing a proximity communication channel between the merchant computing device and the user computing device using the non-PPSE communication protocol by completing a handshake initiated between the proximity applet and the proximity mobile application;   receiving a merchant identifier from the merchant computing device using the non-PPSE communication protocol, wherein the merchant computing device continues with the payment process after transmission of the merchant identifier;   determining that a closed loop financial account is available for use during the payment transaction based on the received merchant identifier;   enabling the closed loop financial account for use during the payment transaction;   receiving a payment request from the merchant computing device for the payment transaction;   preparing a response to the payment request comprising account information for the enabled closed loop financial account; and   transmitting the response to the merchant computing device for processing.   
     
     
         22 . The computer-implemented method of  claim 21 , wherein the interrupted payment process comprises communications using Proximity Payment System Environment (PPSE) communication protocol. 
     
     
         23 . The computer-implemented method of  claim 21 , wherein the interrupted payment process comprises an open loop payment process. 
     
     
         24 . The computer-implemented method of  claim 21 , wherein the proximity applet enables beacon features on the merchant computing device. 
     
     
         25 . The computer-implemented method of  claim 21 , wherein the merchant identifier is transmitted to the user computing device as metadata during the handshake between the proximity applet and the proximity mobile application. 
     
     
         26 . The computer-implemented method of  claim 21 , wherein the merchant identifier is transmitted to the user computing device after completion of the handshake between the proximity applet and the proximity mobile application. 
     
     
         27 . The computer-implemented method of  claim 21 , further comprising the proximity mobile application identifying a merchant associated with the merchant identifier. 
     
     
         28 . The computer-implemented method of  claim 21 , wherein the closed loop financial account is limited to use only during payment transactions with a merchant associated with the merchant identifier and differing from an open loop financial account that can be used at multiple non-specified locations. 
     
     
         29 . The computer-implemented method of  claim 21 , wherein enabling the closed loop financial account for use during the payment transaction comprises replacing a default open loop financial account with the closed loop financial account. 
     
     
         30 . The computer-implemented method of  claim 21 , wherein enabling the closed loop financial account for use during the payment transaction comprises adding the closed loop financial account to a listing of financial accounts available to process the payment transaction. 
     
     
         31 . The computer-implemented method of  claim 30 , further comprising the user computing device:
 displaying the listing of financial accounts available to process the payment transaction;   and receiving a selection of the closed loop financial account.   
     
     
         32 . The computer-implemented method of  claim 21 , wherein the closed loop financial account comprises a merchant-specific credit card. 
     
     
         33 . The computer-implemented method of  claim 21 , wherein the closed loop financial account comprises a merchant-specific gift card. 
     
     
         34 . A computer-implemented method to facilitate payments with closed loop financial accounts during proximity payment transactions,
 comprising by a merchant computing device:
 generating a radio frequency field polling for a user computing device, a user operating the user computing device intending to complete a payment transaction; 
 interrupting a payment process for the payment transaction by initiating a non-Proximity Payment System Environment (non-PPSE) communication protocol with the user computing device; 
 requesting activation of a proximity mobile application that corresponds to a proximity applet operating on the merchant computing device; 
 establishing a proximity communication channel between the merchant computing device and the user computing device using the non-PPSE communication protocol by completing a handshake between the proximity applet and the proximity mobile application; and 
 transmitting a merchant identifier to the user computing device using the non-PPSE communication protocol, wherein the merchant computing device continues with the payment process after transmission of the merchant identifier; and 
   comprising by the user computing device:
 determining that a closed loop financial account is available for use during the payment transaction based on the received merchant identifier; 
 enabling the closed loop financial account for use during the payment transaction; 
 receiving a payment request from the merchant computing device for the payment transaction; 
 preparing a response to the payment request comprising account information for the enabled closed loop financial account; and 
 transmitting the response to the merchant computing device for processing. 
   
     
     
         35 . The computer-implemented method of  claim 34 , further comprising, by the merchant computing device, initiating the handshake with the proximity mobile application. 
     
     
         36 . The computer-implemented method of  claim 34 , wherein the interrupted payment process comprises an open loop payment process. 
     
     
         37 . A computer-implemented method to facilitate payments with closed loop financial accounts during proximity payment transactions, comprising by a merchant computing device:
 generating a radio frequency field polling for a user computing device, a user operating the user computing device intending to complete a payment transaction;   interrupting a payment process for the payment transaction by initiating a non-Proximity Payment System Environment (non-PPSE) communication protocol with the user computing device;   requesting activation of a proximity mobile application that corresponds to a proximity applet operating on the merchant computing device;   establishing a proximity communication channel between the merchant computing device and the user computing device using the non-PPSE communication protocol by completing a handshake between the proximity applet and the proximity mobile application;   transmitting a merchant identifier to the user computing device using the non-PPSE communication protocol, the user computing device determining that a closed loop financial account is available for use during the payment transaction based on the received merchant identifier and enabling the closed loop financial account;   transmitting a payment request for the payment transaction to the user computing device, the user computing device preparing a response to the payment request comprising account information for the enabled closed loop financial account; and   receiving, from the user computing device a response to the payment request comprising account information for the enabled closed loop financial account.   
     
     
         38 . The computer-implemented method of  claim 37 , further comprising, by the merchant computing device, initiating the handshake with the proximity mobile application. 
     
     
         39 . The computer-implemented method of  claim 37 , wherein the merchant computing device continues with the payment process after transmission of the merchant identifier. 
     
     
         40 . The computer-implemented method of  claim 37 , wherein the interrupted payment process comprises an open loop payment process.