Systems, methods, and computer program products for automatically selecting cards for contactless payments

Abstract

A method for automatically selecting one of a plurality of payment cards for contactless payment is provided. The method may include receiving, by a first priority input circuit of a first payment card of the plurality of payment cards, a priority adjustment input from a user. In response to receiving the priority adjustment input, a respective priority indicator of the first payment card is adjusted based on the priority adjustment input. The method may also include receiving, by a respective communication circuit of each respective payment card of the plurality of payment cards, a polling request from a transaction terminal. In response to receiving the polling request, a respective response to the polling request is transmitted by each respective communication circuit in each respective payment card of the plurality of payment cards. The response to the polling request may include a respective priority indicator for a respective payment card.

Description

Technical Field

[0001] The present disclosure relates generally to selecting a contactless payment instrument and, in some non-limiting embodiments or aspects, to systems, methods, and computer program products for automatically selecting one of a plurality of cards for contactless payment. Background Art

[0002] Contactless payment includes a payment transaction made by holding or tapping a payment instrument (e.g., a contactless chip card, a mobile device that allows payment, a wearable device that allows payment, etc.) on a terminal that allows contactless payment. Contactless payment eliminates the need for a user to physically contact (e.g., swipe or insert) a payment instrument at a payment terminal. In some cases, a contactless chip card and / or a terminal that allows contactless payment can communicate wirelessly, such as via radio frequency identification (RFID) or near field communication (NFC). A user in close proximity to a terminal that allows contactless payment can hold or tap a payment instrument on a reader of the terminal that allows contactless payment to complete a payment transaction.

[0003] However, if the user carries more than one payment instrument, the user must select the payment instrument to be used for each payment transaction. For example, if the user carries more than one contactless chip card in a physical wallet, the user must select a single contactless chip card from the wallet to use for each payment transaction. If the user holds or taps more than one contactless chip card on a contactless payment-enabled terminal, the contactless payment-enabled terminal may communicate with a contactless chip card other than the contactless chip card that the user intends to use for the payment transaction, and / or wireless signals from multiple contactless chip cards may interfere with each other, thereby preventing the contactless payment-enabled terminal from properly receiving the signal. Summary of the invention

[0004] It is therefore an object of the present disclosure to provide systems, methods, and computer program products for automatically selecting one of a plurality of cards for contactless payment that overcome some or all of the above-identified deficiencies.

[0005] According to non-limiting embodiments or aspects, a method for automatically selecting one of a plurality of payment cards for contactless payment is provided. In some non-limiting embodiments or aspects, the method may include receiving a priority adjustment input by a first priority input circuit of a first payment card of a plurality of payment cards, wherein each respective payment card of the plurality of payment cards includes a respective priority input circuit, a respective priority indication circuit, and a respective communication circuit, wherein each respective priority indication circuit stores a respective priority indicator of the respective payment card, the respective priority input circuit of the first payment card includes the first priority input circuit, the respective priority indication circuit of the first payment card includes the first priority indication circuit, and the respective communication circuit of the first payment card includes the first communication circuit. In some non-limiting embodiments or aspects, the method may include, in response to receiving the priority adjustment input, adjusting, by the first priority indication circuit, the respective priority indicator of the first payment card based on the priority adjustment input. In some non-limiting embodiments or aspects, the method may include receiving, by each respective communication circuit of each respective payment card of the plurality of payment cards from a transaction terminal, a polling request. In some non-limiting embodiments or aspects, the method may include, in response to receiving the polling request, sending, by each respective communication circuit in each respective payment card of the plurality of payment cards, a respective response to the polling request, each respective response to the polling request including a respective priority indicator of the respective payment card, the respective priority indicator of the first payment card indicating a highest priority for selection by the transaction terminal for contactless payment.

[0006] In some non-limiting embodiments or aspects, each respective priority indication circuit in each respective payment card in the plurality of payment cards may include a respective memory and a respective processor.

[0007] In some non-limiting embodiments or aspects, each corresponding priority input circuit in each corresponding payment card of the multiple payment cards may include at least two contact points, wherein, when receiving the priority adjustment input, the method may also include: receiving the priority adjustment input via one contact point of the at least two contact points of the first payment card.

[0008] In some non-limiting embodiments or aspects, the method may include sending, by the first priority input circuit, the priority adjustment input to the first priority indication circuit.

[0009] In some non-limiting embodiments or aspects, the method may include receiving, by the first priority indication circuit, the priority adjustment input from the first priority input circuit; and in response to receiving the priority adjustment input, converting, by the first priority indication circuit, the priority adjustment input into a binary value to provide a corresponding priority indicator for the first payment card.

[0010] In some non-limiting embodiments or aspects, the method may include that adjusting the corresponding priority indicator of the first payment card based on the priority adjustment input includes: increasing the corresponding priority indicator of the first payment card based on the priority adjustment input; or decreasing the corresponding priority indicator of the first payment card based on the priority adjustment input.

[0011] In some non-limiting embodiments or aspects, the first priority indication circuit includes a memory, and the method may further include storing, by the first priority indication circuit, the corresponding priority indicator of the first payment card in the memory after adjusting the corresponding priority indicator.

[0012] In some non-limiting embodiments or aspects, the method may include transmitting, by the first priority indication circuit, the corresponding priority indicator of the first payment card to the first communication circuit.

[0013] In some non-limiting embodiments or aspects, each corresponding payment card among the plurality of payment cards includes: a corresponding first chip, a corresponding second chip separated from the corresponding first chip, and a corresponding third chip separated from the corresponding first chip and the corresponding second chip; the corresponding first chip of the first payment card includes the first priority input circuit; the corresponding second chip of the first payment card includes the first priority indication circuit; and the corresponding third chip of the first payment card includes the first communication circuit.

[0014] In some non-limiting embodiments or aspects, the corresponding second chip of the first payment card is configured to communicate with the corresponding first chip of the first payment card and the corresponding third chip of the first payment card.

[0015] According to non-limiting embodiments or aspects, a system for automatically selecting one of a plurality of payment cards for contactless payment is provided. In some non-limiting embodiments or aspects, the system may include: the plurality of payment cards, wherein each respective payment card of the plurality of payment cards may include: a respective priority input circuit; a respective priority indication circuit, each respective priority indication circuit storing a respective priority indicator of the respective payment card; and a respective communication circuit. In some non-limiting embodiments or aspects, the plurality of payment cards may include a first payment card. In some non-limiting embodiments or aspects, the respective priority input circuit of the first payment card may include a first priority input circuit, the respective priority indication circuit of the first payment card may include a first priority indication circuit, and the respective communication circuit of the first payment card may include a first communication circuit. In some non-limiting embodiments or aspects, the first payment card may be configured to: receive a priority adjustment input by the first priority input circuit. In some non-limiting embodiments or aspects, the first payment card may be configured to, in response to receiving the priority adjustment input, adjust the respective priority indicator of the first payment card by the first priority indication circuit based on the priority adjustment input. In some non-limiting embodiments or aspects, each corresponding payment card among the plurality of payment cards may be configured to: receive a polling request from a transaction terminal by each corresponding communication circuit in each corresponding payment card among the plurality of payment cards; and in response to receiving the polling request, send a corresponding response to the polling request by each corresponding communication circuit in each corresponding payment card among the plurality of payment cards, each corresponding response to the polling request including a corresponding priority indicator of the corresponding payment card, the corresponding priority indicator of the first payment card indicating the highest priority for selection by the transaction terminal for contactless payment.

[0016] In some non-limiting embodiments or aspects, each respective priority indication circuit in each respective payment card in the plurality of payment cards includes a respective memory and a respective processor.

[0017] In some non-limiting embodiments or aspects, each corresponding priority input circuit in each corresponding payment card of the multiple payment cards may include at least two contact points, and, when receiving the priority adjustment input, the first payment card may be configured to: receive the priority adjustment input via one contact point of the at least two contact points of the first payment card.

[0018] In some non-limiting embodiments or aspects, the first payment card may be further configured to: send the priority adjustment input by the first priority input circuit to the first priority indication circuit.

[0019] In some non-limiting embodiments or aspects, the first payment card may be further configured to: receive the priority adjustment input from the first priority input circuit by the first priority indication circuit; and in response to receiving the priority adjustment input, convert the priority adjustment input into a binary value by the first priority indication circuit to provide a corresponding priority indicator of the first payment card.

[0020] In some non-limiting embodiments or aspects, when the corresponding priority indicator of the first payment card is adjusted based on the priority adjustment input, the first payment card may be configured to: increase the corresponding priority indicator of the first payment card based on the priority adjustment input; or decrease the corresponding priority indicator of the first payment card based on the priority adjustment input.

[0021] In some non-limiting embodiments or aspects, the first priority indication circuit may include a memory, and the first payment card may be further configured to: store the corresponding priority indicator of the first payment card in the memory after adjusting the corresponding priority indicator.

[0022] In some non-limiting embodiments or aspects, the first payment card may be further configured to: transmit, by the first priority indication circuit, a corresponding priority indicator of the first payment card to the first communication circuit.

[0023] In some non-limiting embodiments or aspects, each corresponding payment card among the plurality of payment cards may include: a corresponding first chip, a corresponding second chip separated from the corresponding first chip, and a corresponding third chip separated from the corresponding first chip and the corresponding second chip; the corresponding first chip of the first payment card includes the first priority input circuit; the corresponding second chip of the first payment card includes the first priority indication circuit; and the corresponding third chip of the first payment card includes the first communication circuit.

[0024] In some non-limiting embodiments or aspects, the corresponding second chip of the first payment card may be configured to communicate with the corresponding first chip of the first payment card and the corresponding third chip of the first payment card.

[0025] According to non-limiting embodiments or aspects, a method for automatically selecting one of a plurality of payment cards for contactless payment is provided. In some non-limiting embodiments or aspects, the method may include, by a transaction terminal, receiving transaction data associated with at least one transaction. In some non-limiting embodiments or aspects, the method may include, in response to receiving the transaction data, transmitting, by the transaction terminal, a polling request to a plurality of payment cards within an operating range of the transaction terminal. In some non-limiting embodiments or aspects, the method may include, by the transaction terminal, receiving a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request including a respective priority indicator of the respective payment card. In some non-limiting embodiments or aspects, the method may include, by the transaction terminal, determining that a respective priority indicator of a first payment card of the plurality of payment cards indicates a highest priority. In some non-limiting embodiments or aspects, the method may include, by the transaction terminal, selecting the first payment card for contactless payment based on the respective priority indicator of the first payment card indicating the highest priority.

[0026] In some non-limiting embodiments or aspects, selecting the first payment card for contactless payment may include: comparing the respective priority indicators of each respective payment card among the multiple payment cards; determining that a first payment card among the multiple payment cards has a maximum priority indicator; and selecting the first payment card for contactless payment based on the first payment card among the multiple payment cards having the maximum priority indicator.

[0027] In some non-limiting embodiments or aspects, the method may include generating a communication based on the respective response to the polling request of each of the plurality of payment cards detected within an operating range of the transaction terminal; and displaying data associated with the communication via a graphical user interface.

[0028] In some non-limiting embodiments or aspects, the transaction terminal may be an NFC-enabled transaction terminal. According to a non-limiting embodiment or aspect, a system for automatically selecting one of a plurality of payment cards for contactless payment is provided. In some non-limiting embodiments or aspects, the system may include a transaction terminal. In some non-limiting embodiments or aspects, the transaction terminal may be configured to: receive transaction data associated with at least one transaction; in response to receiving the transaction data, transmit a polling request to a plurality of payment cards within an operating range of the transaction terminal; receive a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request including a respective priority indicator of the respective payment card; determine that a respective priority indicator of a first payment card of the plurality of payment cards indicates a highest priority; and select the first payment card for contactless payment based on the respective priority indicator of the first payment card indicating the highest priority.

[0029] In some non-limiting embodiments or aspects, when selecting the first payment card for contactless payment, the transaction terminal may be configured to: compare the respective priority indicators of each respective payment card among the multiple payment cards; determine that a first payment card among the multiple payment cards has a maximum priority indicator; and select the first payment card for contactless payment based on the first payment card among the multiple payment cards having the maximum priority indicator.

[0030] In some non-limiting embodiments or aspects, the transaction terminal may be further configured to: generate a communication based on the respective response to the polling request of each of the plurality of payment cards detected within an operating range of the transaction terminal; and display data associated with the communication via a graphical user interface.

[0031] According to non-limiting embodiments or aspects, a computer program product for automatically selecting one of a plurality of payment cards for contactless payment is provided. In some non-limiting embodiments or aspects, the computer program product may include at least one non-transitory computer-readable medium, the at least one non-transitory computer-readable medium including one or more instructions, the one or more instructions, when executed by at least one processor, cause the at least one processor to: receive transaction data associated with at least one transaction. In some non-limiting embodiments or aspects, the one or more instructions may cause the at least one processor to, in response to receiving the transaction data, transmit a polling request to a plurality of payment cards within an operating range of a transaction terminal. In some non-limiting embodiments or aspects, the one or more instructions may cause the at least one processor to receive a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request including a respective priority indicator of the respective payment card. In some non-limiting embodiments or aspects, the one or more instructions may also cause the at least one processor to determine that the respective priority indicator of the first payment card of the plurality of payment cards indicates the highest priority. In some non-limiting embodiments or aspects, the one or more instructions may cause the at least one processor to select the first payment card for contactless payment based on a corresponding priority indicator of the first payment card indicating the highest priority.

[0032] In some non-limiting embodiments or aspects, when selecting the first payment card for contactless payment, the one or more instructions may cause the at least one processor to: compare the corresponding priority indicator of each corresponding payment card in the multiple payment cards; determine that the first payment card in the multiple payment cards has the maximum priority indicator; and select the first payment card for contactless payment based on the first payment card in the multiple payment cards having the maximum priority indicator.

[0033] In some non-limiting embodiments or aspects, the one or more instructions may cause the at least one processor to: generate a communication based on the respective response to the polling request of each of the plurality of payment cards detected within the operating range of the transaction terminal; and display data associated with the communication via a graphical user interface.

[0034] Other non-limiting embodiments or aspects are set forth in the following numbered clauses:

[0035] Clause 1: A method for automatically selecting one of a plurality of payment cards for contactless payment, comprising: receiving a priority adjustment input by a first priority input circuit of a first payment card of the plurality of payment cards, wherein each respective payment card of the plurality of payment cards comprises a respective priority input circuit, a respective priority indication circuit, and a respective communication circuit, wherein each respective priority indication circuit stores a respective priority indicator of the respective payment card, wherein the respective priority input circuit of the first payment card comprises the first priority input circuit, wherein the respective priority indication circuit of the first payment card comprises the first priority indication circuit, wherein the respective communication circuit of the first payment card comprises a first priority input circuit. a communication circuit; in response to receiving the priority adjustment input, adjusting, by the first priority indication circuit, the corresponding priority indicator of the first payment card based on the priority adjustment input; receiving, by each corresponding communication circuit of each corresponding payment card of the plurality of payment cards from a transaction terminal, a polling request; and in response to receiving the polling request, sending, by each corresponding communication circuit of each corresponding payment card of the plurality of payment cards, a corresponding response to the polling request, each corresponding response to the polling request including the corresponding priority indicator of the corresponding payment card, wherein the corresponding priority indicator of the first payment card indicates the highest priority for selection by the transaction terminal for contactless payment.

[0036] Clause 2: The method of clause 1, wherein each respective priority indication circuit in each respective payment card in the plurality of payment cards comprises a respective memory and a respective processor.

[0037] Clause 3: A method according to clause 1 or clause 2, wherein each corresponding priority input circuit in each corresponding payment card among the multiple payment cards includes at least two contact points, and wherein receiving the priority adjustment input includes: receiving the priority adjustment input via one contact point of the at least two contact points of the first payment card.

[0038] Clause 4: The method of clauses 1-3, further comprising: sending, by the first priority input circuit, the priority adjustment input to the first priority indication circuit.

[0039] Clause 5: The method according to clauses 1-4 also includes: receiving the priority adjustment input from the first priority input circuit by the first priority indication circuit; and in response to receiving the priority adjustment input, converting the priority adjustment input into a binary value by the first priority indication circuit to provide a corresponding priority indicator for the first payment card.

[0040] Clause 6: A method according to clauses 1-5, wherein adjusting the corresponding priority indicator of the first payment card based on the priority adjustment input includes: increasing the corresponding priority indicator of the first payment card based on the priority adjustment input; or decreasing the corresponding priority indicator of the first payment card based on the priority adjustment input.

[0041] Clause 7: The method of clauses 1-6, wherein the first priority indication circuit includes a memory, the method further comprising storing, by the first priority indication circuit, the corresponding priority indicator of the first payment card in the memory after adjusting the corresponding priority indicator.

[0042] Clause 8: The method of clauses 1-7, further comprising: transmitting, by the first priority indication circuit, the corresponding priority indicator of the first payment card to the first communication circuit.

[0043] Clause 9: A method according to clauses 1-8, wherein each corresponding payment card among the plurality of payment cards comprises: a corresponding first chip, a corresponding second chip separated from the corresponding first chip, and a corresponding third chip separated from the corresponding first chip and the corresponding second chip; wherein the corresponding first chip of the first payment card comprises the first priority input circuit; wherein the corresponding second chip of the first payment card comprises the first priority indication circuit; and wherein the corresponding third chip of the first payment card comprises the first communication circuit.

[0044] Clause 10: The method of clauses 1-9, wherein the corresponding second chip of the first payment card is configured to communicate with the corresponding first chip of the first payment card and the corresponding third chip of the first payment card.

[0045] Clause 11: A system for automatically selecting one of a plurality of payment cards for contactless payment, the system comprising: the plurality of payment cards, wherein each respective payment card of the plurality of payment cards comprises: a respective priority input circuit; a respective priority indication circuit, each respective priority indication circuit storing a respective priority indicator of the respective payment card; and a respective communication circuit, wherein the plurality of payment cards comprises a first payment card, the respective priority input circuit of the first payment card comprises a first priority input circuit, the respective priority indication circuit of the first payment card comprises a first priority indication circuit, the respective communication circuit of the first payment card comprises a first communication circuit, and the first payment card is configured to: receive a priority adjustment signal from the first priority input circuit input; and in response to receiving the priority adjustment input, adjusting the corresponding priority indicator of the first payment card based on the priority adjustment input by the first priority indication circuit, and wherein each corresponding payment card of the plurality of payment cards is configured to: receive a polling request from a transaction terminal by each corresponding communication circuit of each corresponding payment card of the plurality of payment cards; and in response to receiving the polling request, send a corresponding response to the polling request by each corresponding communication circuit of each corresponding payment card of the plurality of payment cards, each corresponding response to the polling request including the corresponding priority indicator of the corresponding payment card, the corresponding priority indicator of the first payment card indicating the highest priority for selection by the transaction terminal for contactless payment.

[0046] Clause 12: The system of clause 11, wherein each respective priority indication circuit in each respective payment card in the plurality of payment cards comprises a respective memory and a respective processor.

[0047] Clause 13: A system according to clause 11 or clause 12, wherein each corresponding priority input circuit in each corresponding payment card of the plurality of payment cards includes at least two contact points, and wherein, when the priority adjustment input is received, the first payment card is configured to: receive the priority adjustment input via one of the at least two contact points of the first payment card.

[0048] Clause 14: The system of clauses 11-13, wherein the first payment card is further configured to: send the priority adjustment input by the first priority input circuit to the first priority indication circuit.

[0049] Clause 15: A system according to clauses 11-14, wherein the first payment card is further configured to: receive the priority adjustment input from the first priority input circuit by the first priority indication circuit; and in response to receiving the priority adjustment input, convert the priority adjustment input into a binary value by the first priority indication circuit to provide a corresponding priority indicator for the first payment card.

[0050] Clause 16: A system according to clauses 11-15, wherein, when the corresponding priority indicator of the first payment card is adjusted based on the priority adjustment input, the first payment card is configured to: increase the corresponding priority indicator of the first payment card based on the priority adjustment input; or decrease the corresponding priority indicator of the first payment card based on the priority adjustment input.

[0051] Clause 17: The system of clauses 11-16, wherein the first priority indication circuit comprises a memory, and wherein the first payment card is further configured to: store the corresponding priority indicator of the first payment card in the memory after adjusting the corresponding priority indicator.

[0052] Clause 18: The system of clauses 11-17, wherein the first payment card is further configured to: transmit, by the first priority indication circuit, a corresponding priority indicator of the first payment card to the first communication circuit.

[0053] Clause 19: A system according to clauses 11-18, wherein each corresponding payment card among the plurality of payment cards comprises: a corresponding first chip, a corresponding second chip separated from the corresponding first chip, and a corresponding third chip separated from the corresponding first chip and the corresponding second chip; wherein the corresponding first chip of the first payment card comprises the first priority input circuit; wherein the corresponding second chip of the first payment card comprises the first priority indication circuit; and wherein the corresponding third chip of the first payment card comprises the first communication circuit.

[0054] Clause 20: The system of clauses 11-19, wherein the corresponding second chip of the first payment card is configured to communicate with the corresponding first chip of the first payment card and the corresponding third chip of the first payment card.

[0055] Clause 21: A method for automatically selecting one of a plurality of payment cards for contactless payment, comprising: receiving, by a transaction terminal, transaction data associated with at least one transaction; in response to receiving the transaction data, transmitting, by the transaction terminal, a polling request to a plurality of payment cards within an operating range of the transaction terminal; receiving, by the transaction terminal, a respective response to the polling request from each respective payment card among the plurality of payment cards, each respective response to the polling request comprising a respective priority indicator of the respective payment card; determining, by the transaction terminal, that a respective priority indicator of a first payment card among the plurality of payment cards indicates a highest priority; and selecting, by the transaction terminal, the first payment card for contactless payment based on the respective priority indicator of the first payment card indicating the highest priority.

[0056] Clause 22: A method according to clause 21, wherein selecting the first payment card for contactless payment includes: comparing the corresponding priority indicators of each corresponding payment card in the multiple payment cards; determining that the first payment card in the multiple payment cards has the maximum priority indicator; and selecting the first payment card for contactless payment based on the first payment card in the multiple payment cards having the maximum priority indicator.

[0057] Clause 23: The method according to Clause 21 or Clause 22 also includes: generating a communication based on the corresponding response to the polling request from each of the multiple payment cards detected within the operating range of the transaction terminal; and displaying data associated with the communication via a graphical user interface.

[0058] Clause 24: The method of clauses 21-23, wherein the transaction terminal is an NFC enabled transaction terminal.

[0059] Clause 25: A system for automatically selecting one of a plurality of payment cards for contactless payment, comprising a transaction terminal, wherein the transaction terminal is configured to: receive transaction data associated with at least one transaction; in response to receiving the transaction data, transmit a polling request to a plurality of payment cards within an operating range of the transaction terminal; receive a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request comprising a respective priority indicator of the respective payment card; determine that a respective priority indicator of a first payment card of the plurality of payment cards indicates a highest priority; and select the first payment card for contactless payment based on the respective priority indicator of the first payment card indicating the highest priority.

[0060] Clause 26: A system according to Clause 25, wherein, when the first payment card is selected for contactless payment, the transaction terminal is configured to: compare the corresponding priority indicators of each corresponding payment card in the multiple payment cards; determine that the first payment card in the multiple payment cards has the maximum priority indicator; and select the first payment card for contactless payment based on the first payment card in the multiple payment cards having the maximum priority indicator.

[0061] Clause 27: A system according to clause 25 or clause 26, wherein the transaction terminal is further configured to: generate a communication based on the corresponding response to the polling request from each of the multiple payment cards detected within the operating range of the transaction terminal; and display data associated with the communication via a graphical user interface.

[0062] Clause 28: The system of clauses 25-27, wherein the transaction terminal is an NFC enabled transaction terminal.

[0063] Clause 29: A computer program product for automatically selecting one of a plurality of payment cards for contactless payment, comprising at least one non-transitory computer-readable medium, the at least one non-transitory computer-readable medium including one or more instructions that, when executed by at least one processor, cause the at least one processor to: receive transaction data associated with at least one transaction; in response to receiving the transaction data, transmit a polling request to a plurality of payment cards within an operating range of a transaction terminal; receive a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request including a respective priority indicator of the respective payment card; determine that a respective priority indicator of a first payment card of the plurality of payment cards indicates a highest priority; and select the first payment card for contactless payment based on the respective priority indicator of the first payment card indicating the highest priority.

[0064] Clause 30: A computer program product according to clause 29, wherein, when the first payment card is selected for contactless payment, the one or more instructions cause the at least one processor to: compare the corresponding priority indicator of each corresponding payment card in the plurality of payment cards; determine that a first payment card in the plurality of payment cards has a maximum priority indicator; and select the first payment card for contactless payment based on the first payment card in the plurality of payment cards having the maximum priority indicator.

[0065] Clause 31: A computer program product according to clause 29 or clause 30, wherein the one or more instructions cause the at least one processor to: generate a communication based on the corresponding response to the polling request of each of the multiple payment cards detected within the operating range of the transaction terminal; and display data associated with the communication via a graphical user interface.

[0066] Clause 32: A computer program product as described in clauses 29-31, wherein the transaction terminal is an NFC enabled transaction terminal.

[0067] These and other features and characteristics of the present disclosure, as well as methods of operation and functions of related structural elements and combinations of parts and economies of manufacture, will become more apparent when considering the following description and appended claims with reference to the accompanying drawings, all of which form a part of this specification, wherein like reference numerals designate corresponding parts in the various figures. It is to be expressly understood, however, that the drawings are for purposes of illustration and description only and are not intended as a definition of the limits of the disclosed subject matter. BRIEF DESCRIPTION OF THE DRAWINGS

[0068] Additional advantages and details are explained in more detail below with reference to non-limiting exemplary embodiments or aspects shown in the schematic drawings, in which:

[0069] Figure 1A and 1B is a diagram of a system for automatically selecting one of a plurality of cards for contactless payment according to a non-limiting embodiment or aspect of the disclosed subject matter;

[0070] Figure 2 are diagrams of exemplary components of an apparatus for use in conjunction with non-limiting embodiments or aspects of the disclosed subject matter;

[0071] Figure 3A is a flow chart of a process for automatically selecting one of a plurality of cards for contactless payment according to a non-limiting embodiment or aspect of the disclosed subject matter;

[0072] Figure 3B is a flow chart of a process for automatically selecting one of a plurality of cards for contactless payment according to a non-limiting embodiment or aspect of the disclosed subject matter;

[0073] Figure 4A is a diagram of an exemplary implementation of a priority input circuit according to a non-limiting embodiment or aspect of the disclosed subject matter;

[0074] Figure 4B is a diagram of an exemplary implementation of a priority indication circuit according to a non-limiting embodiment or aspect of the disclosed subject matter; and

[0075] Figure 5 is a diagram of an exemplary implementation of a priority input circuit according to a non-limiting embodiment or aspect of the disclosed subject matter. DETAILED DESCRIPTION

[0076] For the purposes of the following description, the terms "end," "upper," "lower," "right," "left," "vertical," "horizontal," "top," "bottom," "lateral," "longitudinal," and their derivatives shall relate to the orientation of the embodiments in the accompanying drawings. However, it shall be understood that the embodiments may employ various alternative variations and step sequences, except where expressly specified to the contrary. It shall also be understood that the specific devices and processes illustrated in the accompanying drawings and described in the following specification are merely exemplary embodiments or aspects of the disclosed subject matter. Accordingly, specific dimensions and other physical characteristics relating to the embodiments or aspects disclosed herein shall not be considered limiting.

[0077] The aspects, parts, elements, structures, actions, steps, functions, instructions, etc. used herein should not be understood as critical or necessary unless explicitly described as such. Moreover, as used herein, the article "one" is intended to include one or more items, and can be used interchangeably with "one or more" and "at least one". In addition, as used herein, the term "set" is intended to include one or more items (e.g., related items, unrelated items, a combination of related items and unrelated items, etc.), and can be used interchangeably with "one or more" or "at least one". In the case of intending to have only one item, the term "one" or similar language is used. Moreover, as used herein, the term "having" etc. is intended to be an open term. In addition, unless otherwise explicitly stated, the phrase "based on" is intended to mean "based at least in part on".

[0078] As used herein, the terms "acquirer" and / or "acquirer institution" may refer to an entity that is licensed and / or approved by a transaction service provider to initiate transactions (e.g., payment transactions) using a payment device associated with the transaction service provider. Transactions that may be initiated by an acquirer institution may include payment transactions (e.g., purchases, original letter of credit transactions (OCTs), account funding transactions (AFTs), etc.). In some non-limiting embodiments or aspects, an acquirer and / or an acquirer institution may be a financial institution, such as a bank. As used herein, the term "acquirer system" may refer to one or more computing devices operated by or on behalf of an acquirer and / or an acquirer institution, such as a server computer executing one or more software applications.

[0079] As used herein, the term "account identifier" may include one or more primary account numbers (PANs), tokens, or other identifiers associated with a customer account. The term "token" may refer to an identifier used as a replacement or substitute identifier for an original account identifier such as a PAN. An account identifier may be alphanumeric or any combination of characters and / or symbols. A token may be associated with a PAN or other original account identifier in one or more data structures (e.g., one or more databases, etc.) so that the token can be used to conduct transactions without directly using the original account identifier. In some examples, an original account identifier such as a PAN may be associated with multiple tokens for different individuals or purposes.

[0080] As used herein, the term "communication" may refer to the reception, acceptance, transmission, transmission, provision and / or the like of data (e.g., information, signals, messages, instructions, commands and / or the like). A unit (e.g., a device, a system, a component of a device or system, a combination thereof, etc.) communicating with another unit means that the unit is able to directly or indirectly receive information from the other unit and / or send information to the other unit. This may refer to a direct or indirect connection (e.g., a direct communication connection, an indirect communication connection, etc.) that is wired and / or wireless in nature. In addition, although the information sent can be modified, processed, relayed and / or routed between the first unit and the second unit, the two units may also communicate with each other. For example, even if the first unit passively receives information and does not actively send information to the second unit, the first unit may communicate with the second unit. As another example, if at least one intermediate unit processes the information received from the first unit and transmits the processed information to the second unit, the first unit may communicate with the second unit.

[0081] As used herein, the term "computing device" may refer to one or more electronic devices configured to process data. In some examples, a computing device may include the necessary components to receive, process, and output data, such as a processor, a display, a memory, an input device, a network interface, etc. The computing device may be a mobile device. As an example, a mobile device may include a cellular phone (e.g., a smartphone or a standard cellular phone), a portable computer, a wearable device (e.g., a watch, glasses, lenses, clothing, etc.), a personal digital assistant (PDA), and / or other similar devices. A computing device may also be a desktop computer or other form of non-mobile computer.

[0082] As used herein, the terms "electronic wallet" and "electronic wallet application" refer to one or more electronic devices and / or software applications configured to initiate and / or conduct payment transactions. For example, an electronic wallet may include a mobile device executing an electronic wallet application, and may also include server-side software and / or databases for maintaining and providing transaction data to the mobile device. An "electronic wallet provider" may include an entity that provides and / or maintains electronic wallets for customers, such as And / or other similar electronic payment systems. In some non-limiting examples, the issuing bank may be an electronic wallet provider.

[0083] As used herein, the term "issuer institution" may refer to one or more entities, such as a bank, that provide accounts to customers for conducting transactions (e.g., payment transactions), such as initiating credit and / or debit payments. For example, an issuer institution may provide customers with account identifiers, such as PANs, that uniquely identify one or more accounts associated with the customer. The account identifier may be embodied on a portable financial device, such as a physical financial instrument (e.g., a payment card), and / or may be electronic and used for electronic payments. The term "issuer system" refers to one or more computer devices operated by or on behalf of an issuer institution, such as a server computer executing one or more software applications. For example, an issuer system may include one or more authorization servers for authorizing transactions.

[0084] As used herein, the term "merchant" may refer to a person or entity that provides goods and / or services, or access to goods and / or services, to a customer based on a transaction, such as a payment transaction. The term "merchant" or "merchant system" may also refer to one or more computer systems operated by or on behalf of a merchant, such as a server computer that executes one or more software applications. As used herein, a "point of sale (POS) device" may refer to one or more devices that may be used by a merchant to conduct a transaction (e.g., a payment transaction) and / or process a transaction. For example, a POS device may include one or more client devices. Additionally or alternatively, a POS device may include a peripheral device, a card reader, a scanning device (e.g., a code scanner), Communication receiver, near field communication (NFC) receiver, radio frequency identification (RFID) receiver and / or other contactless transceiver or receiver, contact-based receiver, payment terminal, etc. As used herein, a "point of sale (POS) system" may refer to one or more client devices and / or peripheral devices used by merchants to conduct transactions. For example, a POS system may include one or more POS devices, and / or other similar devices that can be used to conduct payment transactions. In some non-limiting embodiments or aspects, a POS system (e.g., a merchant POS system) may include one or more server computers that are programmed or configured to process online payment transactions through web pages, mobile applications, etc.

[0085] As used herein, the terms "client" and "client device" may refer to one or more client-side devices or systems (e.g., remote from a transaction service provider) used to initiate or facilitate a transaction (e.g., a payment transaction). As an example, a "client device" may refer to one or more POS devices used by a merchant, one or more acquirer host computers used by an acquirer, one or more mobile devices used by a user, and the like. In some non-limiting embodiments or aspects, a client device may be an electronic device configured to communicate with one or more networks and initiate or facilitate a transaction. For example, a client device may include one or more computers, portable computers, laptop computers, tablet computers, mobile devices, cellular phones, wearable devices (e.g., watches, glasses, lenses, clothing, etc.), PDAs, and the like. In addition, a "client" may also refer to an entity (e.g., a merchant, an acquirer, etc.) that owns, utilizes, and / or operates a client device for initiating a transaction (e.g., for initiating a transaction with a transaction service provider).

[0086] As used herein, the terms "payment device" and / or "payment instrument" may refer to a payment card (e.g., a credit or debit card), a gift card, a smart card, smart media, a payroll card, a healthcare card, a wristband, a machine-readable medium containing account information, a key chain device or pendant, an RFID transponder, a retailer discount or membership card, a cellular telephone, an electronic wallet mobile application, a personal digital assistant (PDA), a pager, a security card, a computing device, an access card, a wireless terminal, a transponder, etc. In some non-limiting embodiments or aspects, a payment device may include volatile or non-volatile memory to store information (e.g., an account identifier, an account holder's name, etc.).

[0087] As used herein, the term "payment gateway" may refer to an entity and / or a payment processing system operated by or on behalf of such an entity that provides payment services (e.g., transaction service provider payment services, payment processing services, etc.) to one or more merchants (e.g., transaction service provider payment services, payment processing services, etc.). The payment service may be associated with the use of a portable financial device managed by a transaction service provider. As used herein, the term "payment gateway system" may refer to one or more computer systems, computer devices, servers, server groups, etc. operated by or on behalf of a payment gateway.

[0088] As used herein, the term "server" may refer to or include one or more computing devices operated by or facilitating communications and processing by multiple parties in a network environment such as the Internet, but it should be understood that communications may be facilitated through one or more public or private network environments, and that there may be various other arrangements. In addition, multiple computing devices (e.g., servers, POS devices, mobile devices, etc.) that communicate directly or indirectly in a network environment may constitute a "system." As used herein, references to "servers" or "processors" may refer to previously described servers and / or processors, different servers and / or processors, and / or combinations of servers and / or processors that are stated to implement previous steps or functions. For example, as used in the specification and claims, a first server and / or first processor stated to perform a first step or function may refer to the same or different servers and / or processors stated to perform a second step or function.

[0089] As used herein, the term "transaction service provider" may refer to an entity that receives transaction authorization requests from merchants or other entities and, in some cases, provides payment assurance through an agreement between the transaction service provider and the issuer organization. For example, a transaction service provider may include, e.g. The term "transaction processing system" may refer to one or more computer systems operated by or on behalf of a transaction service provider, such as a transaction processing server that executes one or more software applications. A transaction processing server may include one or more processors and, in some non-limiting embodiments or aspects, may be operated by or on behalf of a transaction service provider.

[0090] Methods, systems, and computer program products are provided for automatically selecting one of a plurality of cards for contactless payment. Non-limiting embodiments or aspects of the present disclosure may include a plurality of payment cards, and each respective payment card may include a respective priority input circuit, a respective priority indication circuit, and a respective communication circuit. For example, each respective priority indication circuit may store a respective priority indicator of the respective payment card. A first priority input circuit of a first payment card (among the plurality of payment cards) may receive a priority adjustment input. In response to receiving the priority adjustment input, the first priority indication circuit may adjust the respective priority indicator of the first payment card based on the priority adjustment input. Thereafter, each respective communication circuit of each respective payment card may receive a polling request from a transaction terminal, and in response to receiving the polling request, each respective communication circuit of each respective payment card may send a respective response to the polling request, each respective response including the respective priority indicator of the respective payment card. For example, the respective priority indicator of the first payment card may indicate the highest priority selected for contactless payment by the transaction terminal. In this way, non-limiting embodiments or aspects of the present disclosure allow a user to set a priority for each payment card in the user's physical wallet. In addition, non-limiting embodiments or aspects of the present disclosure enable payment cards in a user's wallet to communicate with a transaction terminal to indicate the priority of each card. In addition, non-limiting embodiments or aspects of the present disclosure enable the transaction terminal to communicate with multiple cards simultaneously and automatically select the card with the highest priority for contactless payment. In this way, once the priority is set for the user's cards, the user no longer needs to remove the payment card from his wallet and / or separate a payment card from the remaining payment cards in the wallet to complete the payment transaction. Therefore, the present disclosure enables the user to automatically complete a contactless payment transaction using a preferred payment card in a reduced amount of time without removing any payment card from a container (e.g., a wallet).

[0091] Figure 1A and 1B is a diagram of a system 100 for automatically selecting one of a plurality of cards for contactless payment according to some non-limiting embodiments or aspects. Figure 1A As shown in , system 100 may include multiple payment cards 102 and / or transaction terminals 104 .

[0092] In some non-limiting embodiments or aspects, at least one of the payment cards 102 (e.g., each of the payment cards 102) may include a payment card that allows contactless payment. In some non-limiting embodiments or aspects, each respective payment card 102 may be linked to a respective account and / or account identifier associated with a user. For example, at least one of the payment cards 102 may be linked to a credit card account, a bank account (e.g., a savings account and / or a checking account), etc. of the user. In some non-limiting embodiments or aspects, the payment card 102 may be a physical payment card, such as a credit card, a debit card, a gift card, etc.

[0093] In some non-limiting embodiments or aspects, at least one of the payment cards 102 (e.g., each of the payment cards 102) may include one or more devices capable of communicating with the transaction terminal 104. For example, each payment card 102 may communicate with the transaction terminal 104 via a wireless communication connection, such as a short-range wireless communication connection (e.g., an NFC connection, an RFID communication connection, etc.).

[0094] In some non-limiting embodiments or aspects, the transaction terminal 104 may include one or more devices capable of communicating with one or more of the payment cards 102. For example, the transaction terminal 104 may include one or more devices capable of communicating with one or more payment cards 102 via a wireless communication connection, such as a short-range wireless communication connection (e.g., an NFC connection, an RFID communication connection, etc.). In some non-limiting embodiments or aspects, the transaction terminal 104 may include a computing device, such as a client device, a client device group, and / or other similar devices. In some non-limiting embodiments or aspects, the transaction terminal 104 may be a POS device. For example, the transaction terminal 104 may be a POS device, a group of POS devices, etc. For example, the transaction terminal 104 may be a POS device located at a merchant's merchant location. In some non-limiting embodiments or aspects, the transaction terminal 104 may be an automated teller machine (ATM) terminal.

[0095] In some non-limiting embodiments or aspects, the transaction terminal 104 may receive transaction data associated with at least one transaction. In some non-limiting embodiments or aspects, the transaction terminal 104 may transmit a polling request to the payment card 102. For example, in response to receiving the transaction data, the transaction terminal 104 may transmit a polling request to the payment card 102 within the operating range of the transaction terminal 104. In some non-limiting embodiments or aspects, the transaction terminal 104 may receive a respective response to the polling request from each respective payment card 102. Each respective response to the polling request may include a respective priority indicator of the respective payment card 102. In some non-limiting embodiments or aspects, the transaction terminal 104 may determine that a respective priority indicator of a first payment card 102 among the plurality of payment cards 102 indicates a highest priority. In some non-limiting embodiments or aspects, the transaction terminal 104 may select the first payment card 102 for contactless payment. For example, the transaction terminal 104 may select the first payment card 102 for contactless payment based on the respective priority indicator of the first payment card 102 indicating the highest priority.

[0096] In some non-limiting embodiments or aspects, the payment card 102 may be located and / or stored in a container 118. In some non-limiting embodiments or aspects, the container 118 may be a physical container carried by a user, such as a wallet, a purse, a wallet, etc. In some non-limiting embodiments or aspects, the payment card 102 located and / or stored in the container 118 may communicate with the transaction terminal 104 while remaining in the container 118 (e.g., not removed by the user).

[0097] refer to Figure 1B , a diagram of an exemplary payment card 102 is shown. In some non-limiting embodiments or aspects, the payment card 102 may be a payment card that allows contactless payment. In some non-limiting embodiments or aspects, the payment card 102 may include one or more chips and / or integrated circuits. In some non-limiting embodiments or aspects, the payment card 102 may include contact points 106, 108, a priority input circuit 110, a priority indication circuit 112, a communication circuit 114, and a chip 116.

[0098] In some non-limiting embodiments or aspects, the payment card 102 may include at least two contact points 106, 108. In some non-limiting embodiments or aspects, the contact points 106, 108 may be configured to be located on a face of the payment card 102. For example, the contact points 106, 108 may be located on a front surface and / or a back surface of the payment card 102. In some non-limiting embodiments or aspects, the contact points 106, 108 may be configured to be located on an edge of the payment card 102. For example, the contact points 106, 108 may be located on a top edge, a bottom edge, and / or a side edge of the payment card 102. In some non-limiting embodiments or aspects, the contact points 106, 108 may be used to set and / or adjust a priority indicator of the payment card 102.

[0099] In some non-limiting embodiments or aspects, each of the contact points 106, 108 may include a set of contacts of the payment card 102 configured to respond to a touch (e.g., from a user). For example, the first contact point 106 may include a first set of metal contacts, and the second contact point 108 may include a second set of metal contacts. In some non-limiting embodiments or aspects, each of the contact points 106, 108 may include at least one button (e.g., a push button, etc.). In some non-limiting embodiments or aspects, the contact points 106, 108 may include a mark indicating an increase (e.g., "↑", "+", etc.) or decrease (e.g., "↓", "-", etc.) of a priority adjustment input of the payment card 102. For example, the contact points 106, 108 may include up / down arrows and / or positive / negative signs to indicate an increase / decrease, respectively, of the priority adjustment input of the payment card 102. For illustrative purposes, as shown in FIG. Figure 1B As shown in , the first contact point 106 may include a "+" sign indicating an increase (eg, of the priority indicator), and / or the second contact point 108 may include a "-" sign indicating a decrease (eg, of the priority indicator).

[0100] In some non-limiting embodiments or aspects, the payment card 102 may include one or more contact points 106, 108. For example, the payment card 102 may include a first contact point 106 (e.g., a first set of metal contacts) and / or a second contact point 108 (e.g., a second set of metal contacts). In some non-limiting embodiments or aspects, the first contact point 106 may be configured to adjust (e.g., increase, set, etc.) a priority indicator of the payment card 102. In some non-limiting embodiments or aspects, the second contact point 108 may be configured to adjust (e.g., decrease, set, etc.) a priority indicator of the payment card 102.

[0101] In some non-limiting embodiments or aspects, a user of the payment card 102 may provide a priority adjustment input via the contact points 106, 108. For example, the priority input circuit 110 may receive the priority adjustment input from the user via at least one of the contact points 106, 108. In some non-limiting embodiments or aspects, the priority input circuit 110 may be configured to set and / or adjust the priority number of the payment card 102 by adjusting the priority number of the payment card 102 based on the priority adjustment input received from the user. In some non-limiting embodiments or aspects, the priority input circuit 110 may include a memory and / or a processor.

[0102] In some non-limiting embodiments or aspects, the priority input circuit 110 can communicate with the priority indication circuit 112. For example, the priority indication circuit 110 can send a priority adjustment input to the priority indication circuit 112. In some non-limiting embodiments or aspects, the priority indication circuit 112 can receive the priority adjustment input from the priority input circuit 110.

[0103] In some non-limiting embodiments or aspects, the priority indication circuit 112 may adjust the priority indicator of the payment card 102. For example, in response to receiving the priority adjustment input, the priority indication circuit 112 may adjust the priority indicator of the payment card 102 based on the priority adjustment input. In some non-limiting embodiments or aspects, the priority indication circuit 112 may convert the priority adjustment input into a binary value. For example, in response to receiving the priority adjustment input, the priority indication circuit 112 may convert the priority adjustment input into a binary value to provide the priority indicator of the payment card 102. In some non-limiting embodiments or aspects, adjusting the priority indicator of the payment card 102 based on the priority adjustment input may include increasing or decreasing the priority indicator of the payment card 102. For example, adjusting the priority indicator of the payment card 102 based on the priority adjustment input may include increasing or decreasing the priority indicator of the payment card 102 based on the priority adjustment input.

[0104] In some non-limiting embodiments or aspects, the priority indicator of the payment card 102 may indicate a priority level for selecting the payment card 102 for contactless payment. In some non-limiting embodiments or aspects, the priority indication circuit 112 may include a memory and / or a processor. In some non-limiting embodiments or aspects, the priority indication circuit 112 may store a priority indication number of the payment card 102. For example, after adjusting the priority indicator, the priority indication circuit 112 may store the priority indicator of the payment card 102 in the memory of the priority indication circuit 112. In some non-limiting embodiments or aspects, the priority indication circuit 112 may store a binary value of the priority indication number of the payment card 102. In some non-limiting embodiments or aspects, the priority indication circuit 112 may increase or decrease the stored binary value of the priority indication number of the payment card 102 based on the priority adjustment input.

[0105] In some non-limiting embodiments or aspects, the priority indication circuit 112 can be in communication with the communication circuit 114. For example, the priority indication circuit 112 can transmit the priority indicator of the payment card 102 to the communication circuit 114.

[0106] In some non-limiting embodiments or aspects, the communication circuit 114 may communicate with the transaction terminal 104. For example, the communication circuit 114 may receive a polling request from the transaction terminal 104. In some non-limiting embodiments or aspects, the communication circuit 114 may send a response to the polling request. For example, in response to receiving the polling request, the communication circuit 114 may send a response to the polling request to the transaction terminal 104. The response to the polling request may include a priority indicator of the payment card 102. In some non-limiting embodiments or aspects, the communication circuit 114 may include a memory and / or a processor.

[0107] In some non-limiting embodiments or aspects, the payment card 102 may include a chip 116. In some non-limiting embodiments or aspects, the chip 116 may include an integrated circuit. In some non-limiting embodiments or aspects, the chip 116 may be an EMV chip. For example, the chip 116 may be configured to the EMV standard (e.g., based on ISO 7816, ISO 14443, and / or ISO 8583) for payment cards that allow contactless payments.

[0108] In some non-limiting embodiments or aspects, the payment card 102 may include a first chip, a second chip, and / or a third chip. In some non-limiting embodiments or aspects, the first chip may be separated from the second chip and / or from the third chip. In some non-limiting embodiments or aspects, the third chip may be separated from the first chip and / or the second chip. In some non-limiting embodiments or aspects, the first chip may include a priority input circuit 110. In some non-limiting embodiments or aspects, the second chip may include a priority indication circuit 112. In some non-limiting embodiments or aspects, the third chip may include a communication circuit 114. In some non-limiting embodiments or aspects, the first chip, the second chip, and / or the third chip may be configured to communicate with each other. For example, the priority input circuit 110 of the first chip may communicate with the priority indication circuit 112 of the second chip, and the priority indication circuit 112 of the second chip may communicate with the communication circuit 114 of the third chip. In some non-limiting embodiments or aspects, the third chip may communicate with the transaction terminal 104, as described herein.

[0109] Figure 1A and 1B The number and arrangement of components shown in FIG. 1 are provided as examples. In some non-limiting embodiments or aspects, system 100 may include additional components, fewer components, different components, or components in a manner similar to that of FIG. Figure 1A and 1B Additionally or alternatively, a collection of components (eg, one or more components) of system 100 may perform one or more functions described as being performed by another collection of components of system 100.

[0110] Reference now Figure 2 , a diagram showing exemplary components of an apparatus 200 used in conjunction with non-limiting embodiments or aspects. The apparatus 200 may correspond to a transaction terminal 104 (e.g., one or more devices of a transaction terminal 104). In some non-limiting embodiments or aspects, a transaction terminal 104 may include at least one apparatus 200 and / or at least one component of an apparatus 200. Figure 2 As shown in , apparatus 200 may include a bus 202 , a processor 204 , a memory 206 , a storage component 208 , an input component 210 , an output component 212 , and a communication interface 214 .

[0111] The bus 202 may include components that permit communication between components of the device 200. In some non-limiting embodiments or aspects, the processor 204 may be implemented in hardware, software, or a combination of hardware and software. For example, the processor 204 may include a processor (e.g., a central processing unit (CPU), a graphics processing unit (GPU), an accelerated processing unit (APU), etc.), a microprocessor, a digital signal processor (DSP), and / or any processing component that can be programmed to perform a function (e.g., a field programmable gate array (FPGA), an application specific integrated circuit (ASIC), etc.). The memory 206 may include a random access memory (RAM), a read-only memory (ROM), and / or another type of dynamic or static memory (e.g., flash memory, magnetic memory, optical memory, etc.) that stores information and / or instructions for use by the processor 204.

[0112] The storage component 208 may store information and / or software associated with the operation and use of the device 200. For example, the storage component 208 may include a hard disk (e.g., a magnetic disk, an optical disk, a magneto-optical disk, a solid-state disk, etc.), a compact disk (CD), a digital versatile disk (DVD), a floppy disk, a cassette, a magnetic tape, and / or another type of computer-readable medium, and a corresponding drive.

[0113] Input components 210 may include components that permit device 200 to receive information, such as through user input (e.g., a touch screen display, a keyboard, a keypad, a mouse, buttons, switches, a microphone, etc.). Additionally or alternatively, input components 210 may include sensors for sensing information (e.g., a global positioning system (GPS) component, an accelerometer, a gyroscope, an actuator, etc.). Output components 212 may include components that provide output information from device 200 (e.g., a display, a speaker, one or more light emitting diodes (LEDs), etc.).

[0114] The communication interface 214 may include a transceiver-type component (e.g., a transceiver, a separate receiver and transmitter, etc.) that enables the device 200 to communicate with other devices, for example, via a wired connection, a wireless connection, or a combination of a wired connection and a wireless connection. The communication interface 214 may allow the device 200 to receive information from another device and / or provide information to another device. For example, the communication interface 214 may include an Ethernet interface, an optical interface, a coaxial interface, an infrared interface, a radio frequency (RF) interface, a universal serial bus (USB) interface, Interface, cellular network interface, etc.

[0115] The device 200 can perform one or more processes described herein. The device 200 can perform these processes based on the processor 204 executing software instructions stored by a computer-readable medium such as the memory 206 and / or the storage component 208. Computer-readable media (e.g., non-transitory computer-readable media) are defined herein as non-transitory memory devices. Non-transitory memory devices include memory space located within a single physical storage device or memory space spread across multiple physical storage devices.

[0116] The software instructions may be read into the memory 206 and / or storage component 208 from another computer-readable medium or from another device via the communication interface 214. When executed, the software instructions stored in the memory 206 and / or storage component 208 may cause the processor 204 to perform one or more processes described herein. Additionally or alternatively, hard-wired circuitry may be used in place of or in combination with software instructions to perform one or more processes described herein. Therefore, the embodiments or aspects described herein are not limited to any specific combination of hardware circuitry and software.

[0117] Figure 2 The number and arrangement of components shown in FIG. 2 are provided as examples. In some non-limiting embodiments or aspects, the device 200 may include additional components, fewer components, different components, or components in a manner similar to that of FIG. Figure 2 Additionally or alternatively, one set of components (eg, one or more components) of the apparatus 200 may perform one or more functions described as being performed by another set of components of the apparatus 200.

[0118] Reference now Figure 3A , a flow chart of a process 300 for automatically selecting one of a plurality of cards for contactless payment according to some non-limiting embodiments or aspects is shown. In some non-limiting embodiments or aspects, one or more steps of the process 300 may be performed by (one or more) payment cards 102. Additionally or alternatively, one or more steps of the process 300 may be performed (e.g., completely, partially, etc.) by another system, another device, another group of systems, or another group of devices, such as a transaction terminal 104, that is separate from or includes the payment card(s) 102.

[0119] like Figure 3A As shown in FIG. 3 , at step 302 , process 300 may include receiving a priority adjustment input. For example, a first priority input circuit 110 of a first payment card 102 of the plurality of payment cards 102 may receive the priority adjustment input.

[0120] In some non-limiting embodiments or aspects, each respective payment card 102 may include a respective priority input circuit 110, a respective priority indication circuit 112, and / or a respective communication circuit 114, as described herein. In some non-limiting embodiments or aspects, each respective priority input circuit 110 of each respective payment card 102 may include and / or be connected to at least one contact point 106, 108, as described herein. In some non-limiting embodiments or aspects, receiving a priority adjustment input may include receiving a priority adjustment input via one of the contact points 106, 108 of the payment card(s) 102.

[0121] In some non-limiting embodiments or aspects, each respective priority indication circuit 112 of each respective payment card 102 may include a respective memory and / or a respective processor, as described herein. Additionally or alternatively, each respective priority indication circuit 112 may store the respective priority indicator of the respective payment card 102 in a respective memory.

[0122] like Figure 3A As shown in , at step 304, process 300 may include adjusting the corresponding priority indicator of the payment card. For example, priority indication circuit 112 of payment card 102 may adjust the corresponding priority indicator of payment card 102 based on the priority adjustment input in response to receiving the priority adjustment input.

[0123] In some non-limiting embodiments or aspects, the priority input circuit 110 may send a priority adjustment input to a priority indication circuit 112 of the payment card 102. In some non-limiting embodiments or aspects, the priority indication circuit 112 may receive the priority adjustment input from the priority input circuit 110. In some non-limiting embodiments or aspects, in response to receiving the priority adjustment input, the priority indication circuit 112 may convert the priority adjustment input to a binary value to provide a corresponding priority indicator for the payment card 102.

[0124] In some non-limiting embodiments or aspects, adjusting the corresponding priority indicator of the payment card 102 based on the priority adjustment input may include increasing or decreasing the corresponding priority indicator of the payment card 102 based on the priority adjustment input (e.g., based on the priority adjustment input indicating whether to increase or decrease the priority indicator, respectively).

[0125] In some non-limiting embodiments or aspects, each priority indication circuit 112 may include a memory. In some non-limiting embodiments or aspects, after adjusting the corresponding priority indicator, the priority indication circuit 112 may store the corresponding priority indicator of the payment card 102 in the memory.

[0126] In some non-limiting embodiments or aspects, each respective priority indication circuit 112 may communicate the respective priority indicator of each respective payment card 102 to the respective communication circuit 114 .

[0127] like Figure 3A As shown in , at step 306, process 300 may include receiving a polling request from a transaction terminal. For example, each corresponding communication circuit 114 of each corresponding payment card 102 may receive a polling request from a transaction terminal 104. In some non-limiting embodiments or aspects, the polling request from the transaction terminal 104 may include a wakeup (e.g., a wakeup command, type A (WUPA)) and / or a request (e.g., a REQuest command, type A (REQA)) command.

[0128] like Figure 3A As shown in , at step 308, process 300 may include sending a respective response to the polling request. For example, in response to receiving the polling request, each respective communication circuit 114 of each respective payment card 102 may send a respective response to the polling request. In some non-limiting embodiments or aspects, each respective response to the polling request may include a respective priority indicator of the respective payment card 102.

[0129] In some non-limiting embodiments or aspects, the corresponding priority indicator of the first payment card 102 may indicate the highest priority. For example, the corresponding priority indicator of the first payment card 102 may indicate the highest priority for selection for contactless payment by the transaction terminal 104.

[0130] In some non-limiting embodiments or aspects, each respective response to the polling request may include at least two bytes (e.g., a first byte, a second byte, etc.). Additionally or alternatively, each respective response to the polling request may include at least one bit indicating a respective priority indicator of the respective payment card 102. In some non-limiting embodiments or aspects, the bit(s) may be included in the first byte or the second byte, or the bit(s) may supplement the first byte and the second byte. In some non-limiting embodiments or aspects, each respective response to the polling request may include an answer (e.g., a request answer, type A (ATQA)).

[0131] Reference now Figure 3B, a flow chart of a process 310 for automatically selecting one of a plurality of cards for contactless payment according to some non-limiting embodiments or aspects is shown. In some non-limiting embodiments or aspects, one or more steps of the process 310 may be performed by the transaction terminal 104. Additionally or alternatively, one or more steps of the process 310 may be performed (e.g., completely, partially, etc.) by another system, another device, another group of systems, or another group of devices, such as (one or more) payment cards 102, that is separate from or includes the transaction terminal 104.

[0132] like Figure 3B As shown in , at step 312, process 310 can include receiving transaction data. For example, transaction terminal 104 can receive transaction data associated with at least one transaction. In some non-limiting embodiments or aspects, the transaction data may include transaction amount data associated with the transaction amount of the payment transaction (e.g., transaction amount, total transaction amount, cost of each item involved in the transaction, any combination thereof, etc.), transaction identifier data associated with the identifier of the payment transaction (e.g., reference number, unique identifier, transaction identifier, unique transaction identifier (UTI), merchant identifier, merchant order identifier, merchant order identification number, POS device identifier, any combination thereof, etc.), product data associated with the product involved in the payment transaction (e.g., the name of the product, the name of the type of product, the number of stock keeping units (SKUs) associated with the product, the merchant code associated with the product, etc.), transaction time data associated with the time of the payment transaction (e.g., time of day, day of the week, date, month, scheduled time of a segment of a day such as morning, afternoon, evening, night, etc., scheduled day of a segment of a week such as weekdays, weekends, scheduled segment of a year such as the first quarter, second quarter, etc.), transaction type data associated with the transaction type of the payment transaction (e.g., online transaction, card transaction, face-to-face transaction, any combination thereof, etc.), any combination thereof, and the like.

[0133] like Figure 3B As shown in , at step 314, process 310 may include transmitting a polling request to a plurality of payment cards. For example, in response to receiving the transaction data, the transaction terminal 104 may transmit a polling request to a payment card 102 within an operating range of the transaction terminal 104. In some non-limiting embodiments or aspects, the transaction terminal 102 may transmit the polling request to the payment card 102 via a short-range wireless communication connection, as described herein.

[0134] like Figure 3BAs shown in , at step 316, process 310 may include receiving a respective response to the polling request from each respective payment card of the plurality of payment cards. For example, the transaction terminal 104 may receive a respective response to the polling request from each respective payment card 102 (e.g., within an operating range of the transaction terminal 104). In some non-limiting embodiments or aspects, each respective response to the polling request may include a respective priority indicator of the respective payment card 102. For example, the respective response to the polling request from the first payment card 102 may include the respective priority indicator of the first payment card 102.

[0135] like Figure 3B As shown in , at step 318, process 310 may include determining that a corresponding priority indicator of a first payment card among the plurality of payment cards indicates a highest priority. For example, transaction terminal 104 may determine that a corresponding priority indicator of a first payment card 102 among the plurality of payment cards 102 indicates a highest priority.

[0136] In some non-limiting embodiments or aspects, the corresponding priority indicator of the first payment card 102 may be a first priority indicator. In some non-limiting embodiments or aspects, the first priority indicator may be higher than the corresponding priority indicator of each of the remaining plurality of payment cards 102.

[0137] like Figure 3B As shown in , at step 320, process 310 may include selecting a payment card with the highest priority (e.g., a first payment card) for contactless payment. For example, the transaction terminal 104 may select the first payment card 102 for contactless payment based on a corresponding priority indicator of the first payment card 102 indicating the highest priority.

[0138] In some non-limiting embodiments or aspects, selecting the first payment card 102 for contactless payment may include comparing the respective priority indicators of each respective payment card 102. For example, the transaction terminal 104 may compare the respective priority indicators of each respective payment card 102 of the plurality of payment cards 102. In some non-limiting embodiments or aspects, selecting the first payment card 102 for contactless payment may include determining that the first payment card 102 has the greatest priority indicator. For example, the transaction terminal 104 may determine that the first payment card 102 has a priority indicator that is greater than the respective priority indicators of each of the remaining plurality of payment cards 102. In some non-limiting embodiments or aspects, selecting the first payment card 102 for contactless payment may include selecting the first payment card 102 based on the first payment card 102 having the lowest priority indicator. For example, the transaction terminal 104 may select the first payment card 102 for contactless payment based on the first payment card 102 having the lowest priority indicator of the payment cards 102.

[0139] In some non-limiting embodiments or aspects, the transaction terminal 104 may generate a communication. For example, the transaction terminal 104 may generate a communication based on the respective responses to the polling request of each payment card 102 detected within the operating range of the transaction terminal 104. In some non-limiting embodiments or aspects, the transaction terminal 104 may display the communication and / or data associated therewith. For example, the transaction terminal 104 may display the data associated with the communication via a graphical user interface (GUI) of the transaction terminal 104. In some non-limiting embodiments or aspects, the communication may include a message and / or a notification. For example, in the event that the transaction terminal 104 determines that one of the payment cards 102 located in the container 118 has a highest priority indicator, the transaction terminal 104 may generate a communication and display the data associated with the communication via the GUI of the transaction terminal 104, and the communication may include a message indicating that the transaction terminal 104 has selected the payment card 102 with the highest priority. Additionally or alternatively, in the event that the transaction terminal 104 determines that two or more of the payment cards 102 located in the container 118 have the same highest priority indicator, the transaction terminal 104 may generate a communication and display data associated with the communication via the GUI of the transaction terminal 104, and the communication may include a message indicating that the transaction terminal 104 is unable to select a payment card 102 and / or instructing the user to manually select a payment card 102 to process the transaction.

[0140] Figure 3A and 3B The number and arrangement of the steps shown in are provided as examples. In some non-limiting embodiments or aspects, Figure 3A Process 300 may include additional steps, fewer steps, different steps, or steps arranged in a different manner than those shown in FIG. Figure 3B Process 310 may include additional steps, fewer steps, different steps, or steps arranged in a different manner than those shown in FIG.

[0141] Reference now Figure 4A , illustrates an exemplary implementation 400 of a priority input circuit 410 according to a non-limiting embodiment or aspect of the disclosed subject matter. In some non-limiting embodiments or aspects, implementation 400 may include a priority input circuit 410. In some non-limiting embodiments or aspects, priority input circuit 410 may include a data input circuit 402 and / or a data output circuit 404. In some non-limiting embodiments or aspects, priority input circuit 410 may be the same as or similar to priority input circuit 110.

[0142] In some non-limiting embodiments or aspects, the data input circuit 402 can receive input. For example, the data input circuit 402 can receive priority adjustment input from a user via a contact point (e.g., contact points 106, 108). In some non-limiting embodiments or aspects, the data input circuit 402 can communicate with the data output circuit 404.

[0143] In some non-limiting embodiments or aspects, data output circuit 404 may receive input from data input circuit 402. For example, data output circuit 404 may receive a priority adjustment input from data input circuit 402. In some non-limiting embodiments or aspects, data output circuit 404 may communicate with a priority indication circuit (e.g., priority indication circuit 112).

[0144] Reference now Figure 4B , shows an exemplary implementation 400 of a priority indication circuit according to a non-limiting embodiment or aspect of the disclosed subject matter. In some non-limiting embodiments or aspects, implementation 400 may include a priority indication circuit 412. Figure 4B As shown in , priority indication circuit 412 may include evaluation circuit 406, memory 408, and / or priority indication output circuit 420. In some non-limiting embodiments or aspects, priority indication circuit 412 may be the same as or similar to priority indication circuit 112.

[0145] In some non-limiting embodiments or aspects, the evaluation circuit 406 may communicate with a priority input circuit (e.g., priority input circuit 410, etc.). In some non-limiting embodiments or aspects, the evaluation circuit 406 may receive input from the priority input circuit (e.g., from the data output circuit 404 of the priority input circuit 410). For example, the evaluation circuit 406 of the priority indication circuit 412 may receive a priority adjustment input from the data output circuit 404 of the priority input circuit 410. In some non-limiting embodiments or aspects, in response to receiving the priority adjustment input, the evaluation circuit 406 of the priority indication circuit 412 may convert the priority adjustment input into a binary value. For example, the evaluation circuit 406 of the first priority indication circuit 412 may convert the priority adjustment input into a binary value to provide a corresponding priority indicator of the payment card 102. In some non-limiting embodiments or aspects, the evaluation circuit 406 may determine the binary value based on the priority adjustment input and the current value of the priority indicator (e.g., just before the input). For example, if the priority adjustment input indicates to increase the priority indicator, the evaluation circuit 406 may increase the current value by 1 to provide the adjustment value. Additionally or alternatively, if the priority adjustment input indicates to decrease the priority indicator, the evaluation circuit can subtract 1 from the current value to provide the adjusted value. In some non-limiting embodiments or aspects, a binary value (e.g., a plurality of bits, such as 3 bits, 8 bits, etc.) can be a binary representation of the priority indicator.

[0146] In some non-limiting embodiments or aspects, the priority indicator may be based on the number of the plurality of payment cards located and / or stored in the container 118. For example, if five payment cards are stored and / or located in the container 118, the first payment card may have a priority indicator of 4, the second payment card may have a priority indicator of 3, the third payment card may have a priority indicator of 2, the fourth payment card may have a priority indicator of 1, and the fifth card may have a priority indicator of 0. An exemplary representation of card priority indicators for a total of five payment cards is shown in Table 1 below.

[0147] Bit -1 Bit -2 Bit -3 Priority indicator 0 0 0 0 0 0 1 1 0 1 0 2 0 1 1 3 1 0 0 4

[0148] Table 1

[0149] In some non-limiting embodiments or aspects, the evaluation circuit 406 may set a corresponding priority indicator for a corresponding payment card (e.g., the payment card 102). For example, the evaluation circuit 406 may set a corresponding priority indicator for the payment card 102 based on a binary value. In some non-limiting embodiments or aspects, a first value of the priority indicator that is higher than a second value of the priority indicator may indicate a higher priority level for selecting the payment card for contactless payment.

[0150] In some non-limiting embodiments or aspects, the evaluation circuit 406 may be in communication with the memory 408. For example, the memory 408 may receive the respective priority indicators of the respective payment cards 102 from the evaluation circuit 406. In some non-limiting embodiments or aspects, the respective priority indicators of the respective payment cards 102 may be stored by the memory 408.

[0151] In some non-limiting embodiments or aspects, the evaluation circuit 406 may adjust the priority indicator of the payment card 102. In some non-limiting embodiments or aspects, in response to receiving the priority adjustment input, the evaluation circuit 406 may retrieve the stored priority indicator of the payment card 102 from the memory 408 and increase or decrease the stored priority indicator.

[0152] In some non-limiting embodiments or aspects, the memory 408 may be in communication with the priority indication output circuit 420. For example, the priority indication output circuit 420 may receive the priority indicator of the payment card 102 from the memory 408. In some non-limiting embodiments or aspects, the priority indication output circuit 420 may be in communication with a communication circuit (e.g., the communication circuit 114). For example, the communication circuit 114 may receive the priority indicator of the corresponding payment card 102 from the priority indication output circuit 420.

[0153] In some non-limiting embodiments or aspects, two or more payment cards 102 may have the same priority indicator and / or no priority indicator. For example, two or more payment cards 102 stored and / or located in the container 118 may have the same priority indicator and / or no priority indicator. In some non-limiting embodiments or aspects, if two or more payment cards 102 have the same priority indicator, the transaction terminal 104 may generate a message indicating that the two or more payment cards 102 have the same priority indicator, and may display the message via the GUI of the transaction terminal 104. For example, if two or more payment cards 102 have the highest priority indicator, the transaction terminal 104 may generate a message indicating that the transaction terminal 104 cannot select a payment card for contactless payment, and display data associated with the message via the GUI of the transaction terminal 104. In some non-limiting embodiments or aspects, if a payment card 102 has no priority indicator, the transaction terminal 104 may ignore it. For example, if, in response to a polling request from the transaction terminal 104, the second payment card 102 does not return a response to the polling request that includes a corresponding priority indicator of the second payment card 102 (e.g., and the first payment card 102 does return a response to the polling request that includes a corresponding priority indicator of the first payment card 102), then the second payment card 102 may be ignored by the transaction terminal 104 (e.g., and the first payment card 102 may be selected by the transaction terminal 104 for contactless payment).

[0154] Reference now Figure 5 , a diagram of an exemplary implementation 500 of a priority input circuit according to a non-limiting embodiment or aspect of the disclosed subject matter is shown. In some non-limiting embodiments or aspects, implementation 500 can include contact points 506, 508, priority input circuit 510, and / or priority indication circuit 512. In some non-limiting embodiments or aspects, contact points 506, 508, priority input circuit 510, and priority indication circuit 512 can be the same as, similar to, and / or a portion of contact points 106, 108, priority input circuit 110, 410, and priority indication circuit 112, 412, respectively.

[0155] like Figure 5As shown in , the priority input circuit 510 may include a 555 timer circuit (e.g., a 555 timer oscillator circuit). In some non-limiting embodiments or aspects, the 555 timer circuit may include a ground pin 1, a trigger pin 2, an output pin 3, a reset pin 4, a control voltage pin 5, a threshold pin 6, a discharge pin 7, a +Vcc power supply pin 8, a comparator 10, 12, a trigger 14, and / or an output driver 16. In some non-limiting embodiments or aspects, the contact points 506, 508 may be connected to the corresponding pins of the 555 timer oscillator circuit. For example, the contact point 506 may be connected between the ground pin 1 and the trigger pin 2. Additionally or alternatively, the contact point 508 may be connected between the threshold pin 6 and the +Vcc power supply pin 8.

[0156] In some non-limiting embodiments or aspects, ground pin 1 can be connected to 0V (e.g., ground). In some non-limiting embodiments or aspects, trigger pin 2 can be connected to the negative input of comparator 10. In some non-limiting embodiments or aspects, trigger pin 2 can set the state of trigger 14, which can be configured to switch output pin 3 from a low state to a high state.

[0157] In some non-limiting embodiments or aspects, contact point 506 may be located between ground pin 1 and trigger pin 2. For example, contact point 506 may be a push button switch located between ground pin 1 and trigger pin 2. In some non-limiting embodiments or aspects, contact point 506 may be used to receive an input that causes trigger pin 2 to set the state of trigger 14, thereby switching output pin 3 from a low state to a high state. In some non-limiting embodiments or aspects, contact point 508 may be located between threshold pin 6 and +Vcc power supply pin 8. For example, contact point 508 may be a push button switch located between threshold pin 6 and +Vcc power supply pin 8. In some non-limiting embodiments or aspects, contact point 508 may be used to receive an input that causes threshold pin 5 to set the state of trigger 14, thereby switching output pin 3 from a high state to a low state. In some non-limiting embodiments or aspects, contact point 506 may be used to increase a priority indicator, and contact point 508 may be used to decrease a priority indicator, and vice versa.

[0158] In some non-limiting embodiments or aspects, the output pin 3 may be connected to the priority indication circuit 512. In some non-limiting embodiments or aspects, the priority input circuit 510 may provide an output to the priority indication circuit 512 via the output pin 3. For example, the output pin 3 of the priority input circuit 510 may provide a signal as an output. In some non-limiting embodiments or aspects, the signal output from the priority input circuit 510 may be received by the priority indication circuit 512. In some non-limiting embodiments or aspects, the signal may be a high voltage signal or a low voltage signal. In some non-limiting embodiments or aspects, the reset pin 4 may be connected to the trigger 14. In some non-limiting embodiments or aspects, the reset pin 4 may be configured to reset the state of the trigger 14. In some non-limiting embodiments or aspects, the control voltage pin 5 may control the timing of the priority input circuit 510. In some non-limiting embodiments or aspects, the control voltage pin 5 may be connected to ground. In some non-limiting embodiments or aspects, the threshold pin 6 may be connected to the positive input of the comparator 12. When the applied voltage causes the output pin 3 to switch from a high state to a low state, the threshold pin 6 can be used to reset the trigger 14. In some non-limiting embodiments or aspects, the discharge pin 7 can be connected to the collector of a discharge circuit (e.g., an NPN transistor, etc.). For example, the NPN transistor can be configured to discharge the timing capacitor of the 555 timer circuit (e.g., to 0V) when the output of the output pin 3 switches to a low state. In some non-limiting embodiments or aspects, the +Vcc power supply pin 8 can be connected to a power supply.

[0159] Although the embodiments have been described in detail for the purpose of illustration, it should be understood that such details are used for that purpose only, and the present disclosure is not limited to the disclosed embodiments, but on the contrary, is intended to cover modifications and equivalent arrangements within the spirit and scope of the appended claims. For example, it should be understood that the present disclosure contemplates that, to the extent possible, one or more features of any embodiment can be combined with one or more features of any other embodiment.

Claims

1. A method for automatically selecting one of a plurality of payment cards for contactless payment, comprising: receiving a priority adjustment input by a first priority input circuit of a first payment card of a plurality of payment cards, wherein each respective payment card of the plurality of payment cards comprises a respective priority input circuit, a respective priority indication circuit, and a respective communication circuit, wherein each respective priority indication circuit stores a respective priority indicator of the respective payment card, wherein the respective priority input circuit of the first payment card comprises the first priority input circuit, wherein the respective priority indication circuit of the first payment card comprises a first priority indication circuit, and wherein the respective communication circuit of the first payment card comprises a first communication circuit; In response to receiving the priority adjustment input, adjusting, by the first priority indication circuit, a corresponding priority indicator of the first payment card based on the priority adjustment input; receiving, by each respective communication circuit in each respective payment card of the plurality of payment cards, a polling request from a transaction terminal; and In response to receiving the polling request, each respective communication circuit in each respective payment card of the plurality of payment cards sends a respective response to the polling request, each respective response to the polling request comprising a respective priority indicator of the respective payment card, wherein the respective priority indicator of the first payment card indicates a highest priority for selection by the transaction terminal for contactless payment.

2. The method according to claim 1, wherein: Each respective priority indication circuit in each respective payment card of the plurality of payment cards includes a respective memory and a respective processor.

3. The method according to claim 1, wherein: Each respective priority input circuit of each respective payment card of the plurality of payment cards comprises at least two contact points, wherein receiving the priority adjustment input comprises: The priority adjustment input is received via one of at least two contact points of the first payment card.

4. The method according to claim 1, further comprising: The priority adjustment input is sent by the first priority input circuit to the first priority indication circuit.

5. The method according to claim 4, further comprising: receiving, by the first priority indication circuit, the priority adjustment input from the first priority input circuit; as well as In response to receiving the priority adjustment input, the priority adjustment input is converted by the first priority indication circuit to a binary value to provide a corresponding priority indicator for the first payment card.

6. The method according to claim 1, wherein: Adjusting the corresponding priority indicator of the first payment card based on the priority adjustment input includes: increasing a corresponding priority indicator of the first payment card based on the priority adjustment input; or A corresponding priority indicator of the first payment card is decreased based on the priority adjustment input.

7. The method according to claim 1, wherein: The first priority indication circuit includes a memory, and the method further includes storing, by the first priority indication circuit, the corresponding priority indicator of the first payment card in the memory after adjusting the corresponding priority indicator.

8. The method according to claim 1, further comprising: The first priority indication circuit transmits the corresponding priority indicator of the first payment card to the first communication circuit.

9. The method according to claim 1, wherein: Each respective payment card of the plurality of payment cards comprises: a corresponding first chip, a corresponding second chip separated from the corresponding first chip, and a corresponding third chip separated from the corresponding first chip and the corresponding second chip; wherein the corresponding first chip of the first payment card includes the first priority input circuit; wherein the corresponding second chip of the first payment card includes the first priority indication circuit; and The corresponding third chip of the first payment card includes the first communication circuit.

10. The method according to claim 9, wherein: The corresponding second chip of the first payment card is configured to communicate with the corresponding first chip of the first payment card and the corresponding third chip of the first payment card.

11. A system for automatically selecting one of a plurality of payment cards for contactless payment, the system comprising: The plurality of payment cards, wherein each respective payment card in the plurality of payment cards comprises: Corresponding priority input circuit; respective priority indication circuits, each respective priority indication circuit storing a respective priority indicator of the respective payment card; and The corresponding communication circuit, The plurality of payment cards include a first payment card, the corresponding priority input circuit of the first payment card includes a first priority input circuit, the corresponding priority indication circuit of the first payment card includes a first priority indication circuit, the corresponding communication circuit of the first payment card includes a first communication circuit, and the first payment card is configured as follows: Receiving a priority adjustment input by the first priority input circuit; and In response to receiving the priority adjustment input, adjusting, by the first priority indication circuit, a corresponding priority indicator of the first payment card based on the priority adjustment input, and Wherein, each corresponding payment card among the plurality of payment cards is configured to: receiving, by each respective communication circuit in each respective payment card of the plurality of payment cards, a polling request from a transaction terminal; and In response to receiving the polling request, each respective communication circuit in each respective payment card of the plurality of payment cards sends a respective response to the polling request, each respective response to the polling request comprising a respective priority indicator of the respective payment card, the respective priority indicator of the first payment card indicating a highest priority for selection by the transaction terminal for contactless payment.

12. The system according to claim 11, wherein: Each respective priority indication circuit in each respective payment card of the plurality of payment cards includes a respective memory and a respective processor.

13. The system according to claim 11, wherein: Each respective priority input circuit in each respective payment card of the plurality of payment cards comprises at least two contact points, and wherein upon receiving the priority adjustment input, the first payment card is configured to: The priority adjustment input is received via one of at least two contact points of the first payment card.

14. The system according to claim 11, wherein: The first payment card is further configured to: The priority adjustment input is sent by the first priority input circuit to the first priority indication circuit.

15. The system of claim 14, wherein: The first payment card is further configured to: receiving, by the first priority indication circuit, the priority adjustment input from the first priority input circuit; and In response to receiving the priority adjustment input, the priority adjustment input is converted by the first priority indication circuit to a binary value to provide a corresponding priority indicator for the first payment card.

16. The system according to claim 11, wherein: When adjusting the corresponding priority indicator of the first payment card based on the priority adjustment input, the first payment card is configured to: increasing a corresponding priority indicator of the first payment card based on the priority adjustment input; or A corresponding priority indicator of the first payment card is decreased based on the priority adjustment input.

17. The system of claim 11, wherein: The first priority indication circuit comprises a memory, and wherein the first payment card is further configured to: After adjusting the corresponding priority indicator, storing the corresponding priority indicator of the first payment card in the memory.

18. The system of claim 11, wherein: The first payment card is further configured to: The first priority indication circuit transmits the corresponding priority indicator of the first payment card to the first communication circuit.

19. The system of claim 11, wherein: Each respective payment card of the plurality of payment cards comprises: a corresponding first chip, a corresponding second chip separated from the corresponding first chip, and a corresponding third chip separated from the corresponding first chip and the corresponding second chip, wherein the first chip corresponding to the first payment card comprises the first priority input circuit, wherein the corresponding second chip of the first payment card comprises the first priority indication circuit, and The corresponding third chip of the first payment card includes the first communication circuit.

20. The system of claim 19, wherein: The corresponding second chip of the first payment card is configured to communicate with the corresponding first chip of the first payment card and the corresponding third chip of the first payment card.

21. A method for automatically selecting one of a plurality of payment cards for contactless payment, comprising: receiving, by a transaction terminal, transaction data associated with at least one transaction; in response to receiving the transaction data, transmitting, by the transaction terminal, a polling request to a plurality of payment cards within an operating range of the transaction terminal; receiving, by the transaction terminal, a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request including a respective priority indicator of the respective payment card; determining, by the transaction terminal, that a corresponding priority indicator of a first payment card among the plurality of payment cards indicates a highest priority; as well as The first payment card is selected, by the transaction terminal, for contactless payment based on a corresponding priority indicator of the first payment card indicating the highest priority.

22. The method according to claim 21, wherein: Selecting the first payment card to use for contactless payment includes: comparing a respective priority indicator of each respective payment card of the plurality of payment cards; determining that a first payment card of the plurality of payment cards has a maximum priority indicator; and A first payment card among the plurality of payment cards is selected for contactless payment based on the first payment card having the greatest priority indicator.

23. The method according to claim 21, further comprising: generating a communication based on the respective response to the polling request from each payment card of the plurality of payment cards detected within an operating range of the transaction terminal; as well as Data associated with the communication is displayed via a graphical user interface.

24. The method according to claim 21, wherein: The transaction terminal is an NFC enabled transaction terminal.

25. A system for automatically selecting one of a plurality of payment cards for contactless payment, comprising a transaction terminal, wherein: The transaction terminal is configured to: receiving transaction data associated with at least one transaction; in response to receiving the transaction data, transmitting a polling request to a plurality of payment cards within an operating range of the transaction terminal; receiving a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request comprising a respective priority indicator of the respective payment card; determining that a corresponding priority indicator of a first payment card among the plurality of payment cards indicates a highest priority; as well as The first payment card is selected for contactless payment based on the first payment card's corresponding priority indicator indicating the highest priority.

26. The system of claim 25, wherein: When the first payment card is selected for contactless payment, the transaction terminal is configured to: comparing a respective priority indicator of each respective payment card of the plurality of payment cards; determining that a first payment card of the plurality of payment cards has a maximum priority indicator; and A first payment card among the plurality of payment cards is selected for contactless payment based on the first payment card having the greatest priority indicator.

27. The system of claim 25, wherein: The transaction terminal is further configured to: generating a communication based on the respective response to the polling request from each payment card of the plurality of payment cards detected within an operating range of the transaction terminal; and Data associated with the communication is displayed via a graphical user interface.

28. The system of claim 25, wherein: The transaction terminal is an NFC enabled transaction terminal.

29. A computer program product for automatically selecting one of a plurality of payment cards for contactless payment, comprising at least one non-transitory computer readable medium, the at least one non-transitory computer readable medium comprising one or more instructions that, when executed by at least one processor, cause the at least one processor to: receiving transaction data associated with at least one transaction; in response to receiving the transaction data, transmitting a polling request to a plurality of payment cards within an operating range of the transaction terminal; receiving a respective response to the polling request from each respective payment card of the plurality of payment cards, each respective response to the polling request comprising a respective priority indicator of the respective payment card; determining that a corresponding priority indicator of a first payment card among the plurality of payment cards indicates a highest priority; as well as The first payment card is selected for contactless payment based on the first payment card's corresponding priority indicator indicating the highest priority.

30. The computer program product of claim 29, wherein: When the first payment card is selected for contactless payment, the one or more instructions cause the at least one processor to: comparing a respective priority indicator of each respective payment card of the plurality of payment cards; determining that a first payment card of the plurality of payment cards has a maximum priority indicator; and A first payment card among the plurality of payment cards is selected for contactless payment based on the first payment card having the greatest priority indicator.

31. The computer program product of claim 29, wherein: The one or more instructions cause the at least one processor to: generating a communication based on the respective response to the polling request by each of the plurality of payment cards detected within an operating range of the transaction terminal; and Data associated with the communication is displayed via a graphical user interface.

32. The computer program product of claim 29, wherein: The transaction terminal is an NFC enabled transaction terminal.

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