Over the air management of payment application installed in mobile device

Abstract

A method is disclosed. The method includes determining whether the counter has reached a threshold value. The method also includes sending a request to reset the counter, to a payment authorizing entity, if it is determined that the counter has reached the threshold value, and then receiving, from the payment authorizing entity, a script in response to the request. The method also includes executing a command to perform an operation specified in the script

What is claimed is: 
     
         1 . A method for managing a counter associated with a payment application resident on a mobile device, by the mobile device, the method comprising:
 determining whether the counter has reached a threshold value;   sending a request to reset the counter, to a payment authorizing entity, if it is determined that the counter has reached the threshold value;   receiving, from the payment authorizing entity, a script in response to the request; and   executing a command to perform an operation specified in the script.   
     
     
         2 . The method of  claim 1 , wherein prior to determining whether the counter has reached the threshold value, receiving a request for conducting a transaction. 
     
     
         3 . The method of  claim 2 , wherein the transaction is an offline transaction. 
     
     
         4 . The method of  claim 1 , wherein the operation specified in the script is to not reset the counter. 
     
     
         5 . The method of  claim 1 , wherein the threshold value is a combined maximum value for all offline transactions. 
     
     
         6 . The method of  claim 1 , wherein the mobile device is a mobile phone. 
     
     
         7 . The method of  claim 2 , wherein prior to determining whether the counter has reached the threshold value, receiving a request for conducting a payment transaction. 
     
     
         8 . The method of  claim 1 , wherein the mobile device is a mobile phone. 
     
     
         9 . The method of  claim 1 , wherein the payment authorizing entity is an issuer computer. 
     
     
         10 . A mobile device comprising:
 a processor; and   a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for causing the processor to perform operations comprising   determining whether a counter has reached a threshold value,   sending a request to reset the counter, to a payment authorizing entity, if it is determined that the counter has reached the threshold value,   receiving, from the payment authorizing entity, a script in response to the request, and   executing a command to perform an operation specified in the script.   
     
     
         11 . The mobile device of  claim 10 , wherein prior to determining whether the counter has reached the threshold value, receiving a request for conducting a transaction. 
     
     
         12 . The mobile device of  claim 10 , wherein the operation specified in the script is to not reset the counter. 
     
     
         13 . The mobile device of  claim 10 , wherein the mobile device is a cellular phone. 
     
     
         14 . The mobile device of  claim 10 , further comprising a contactless element coupled to the processor. 
     
     
         15 . A method for managing a counter of a payment application resident on a mobile device, by a payment authorizing entity, the method comprising:
 receiving a request, from the payment application, to reset the counter;   determining whether or not to reset the counter based at least in part on one or more policies and information about a user associated with the payment application;   generating a command script based on the determination; and   sending the command script to the payment application.   
     
     
         16 . The method of  claim 15 , wherein sending the command script includes sending the command script to a mobile payment gateway prior to the command script being forwarded to the payment application. 
     
     
         17 . The method of  claim 15 , wherein the mobile device is a mobile phone. 
     
     
         18 . The method of  claim 15 , wherein the mobile device comprises a contactless element. 
     
     
         19 . The method of  claim 15 , wherein the payment authorizing entity is an issuer computer. 
     
     
         20 . The method of  claim 15 , wherein the command script specifies an operation, and the operation specified in the command script is to not reset the counter.