Patent ID: 8799087

Claim:
A system for utilizing one or more preferred application lists (PALs) in a wireless device reader, comprising: a transaction terminal configured to designate a plurality of compatible application identifiers, wherein each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal; a mobile wireless device provisioned with a proximity payment system environment (PPSE) application that is configured to store a plurality of user preferred application identifiers, wherein each user preferred application identifier is respectively associated with a transaction application stored on the mobile wireless device; and a wireless device reader configured to: receive the plurality of compatible application identifiers from the transaction terminal, store the compatible application identifiers among a plurality of preferred applications lists (PALs) which includes a first PAL containing a first group of the compatible application identifiers, wherein each of the compatible application identifiers in the first group is assigned a priority indicator, receive a PPSE list containing the user preferred application identifiers from the PPSE application in response to a wireless transaction initiated by a single near field communication (NFC) tap between the mobile wireless device and the wireless device reader, wherein the user preferred application identifiers are communicated from the mobile wireless device to the wireless device reader in response to the single NFC tap, determine one or more matched application identifiers by comparing each of the compatible application identifiers contained in the first PAL with each of the received user preferred application identifiers, identify a single matched application identifier from the one or more matched application identifiers, wherein the single matched application identifier corresponds to the user preferred application identifier that matches the compatible application identifier with the highest priority indicator contained in the first PAL, and request transaction application data from the transaction application, stored on the mobile wireless device, corresponding to the user preferred application identifier associated with the single matched application identifier.