Mobile payment management
First Claim
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1. A method comprising:
- provisioning, by an over-the-air (OTA) service provider computer to a secure element of a mobile phone, issuer specifications for OTA service activation of a plurality of issuer specific payment applications by sending data, associated with the plurality of issuer specific payment applications associated with a plurality of issuer specific payment services provided by a plurality of issuers, to a mobile phone comprising a contactless element, which is capable of allowing the mobile phone to communicate contactlessly with a contactless reader in a point of sale terminal;
provisioning, by the over-the-air (OTA) service provider computer to a transaction message repository of an issuer specific mobile application on the mobile phone, an account management event,wherein the mobile phone comprises the secure element storing the plurality of issuer specific payment applications, and a plurality of issuer specific mobile applications stored outside of the secure element, wherein the plurality of issuer specific payment applications stored on the secure element and the plurality of issuer specific mobile applications stored outside of the secure element are linked with unique application identifiers,wherein the secure element is managed by the OTA service provider and comprises hardware configured to securely store the plurality of issuer specific payment applications and balance information for at least one of the plurality of issuer specific payment applications linked to at least one of the issuer specific payment applications,wherein a unique application identifier is unique to a first issuer specific payment application of the plurality of issuer specific payment applications and a first issuer specific mobile application of the plurality of issuer specific payment applications that is linked to the first issuer specified payment application so that the issuer specific mobile application stored in the secure element is used with the first issuer specific payment application in order to conduct a transaction; and
sending a plurality of messages from the plurality of issuers to the plurality of issuer specific mobile applications on the mobile phone,wherein the plurality of messages are formatted and supplied by a messaging service provider to the plurality of issuers, and wherein the messaging service provider is configured to provide at least one of an alert application programming interface, a reporting web interface and a testing hub.
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Abstract
A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.
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Citations
21 Claims
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1. A method comprising:
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provisioning, by an over-the-air (OTA) service provider computer to a secure element of a mobile phone, issuer specifications for OTA service activation of a plurality of issuer specific payment applications by sending data, associated with the plurality of issuer specific payment applications associated with a plurality of issuer specific payment services provided by a plurality of issuers, to a mobile phone comprising a contactless element, which is capable of allowing the mobile phone to communicate contactlessly with a contactless reader in a point of sale terminal; provisioning, by the over-the-air (OTA) service provider computer to a transaction message repository of an issuer specific mobile application on the mobile phone, an account management event, wherein the mobile phone comprises the secure element storing the plurality of issuer specific payment applications, and a plurality of issuer specific mobile applications stored outside of the secure element, wherein the plurality of issuer specific payment applications stored on the secure element and the plurality of issuer specific mobile applications stored outside of the secure element are linked with unique application identifiers, wherein the secure element is managed by the OTA service provider and comprises hardware configured to securely store the plurality of issuer specific payment applications and balance information for at least one of the plurality of issuer specific payment applications linked to at least one of the issuer specific payment applications, wherein a unique application identifier is unique to a first issuer specific payment application of the plurality of issuer specific payment applications and a first issuer specific mobile application of the plurality of issuer specific payment applications that is linked to the first issuer specified payment application so that the issuer specific mobile application stored in the secure element is used with the first issuer specific payment application in order to conduct a transaction; and sending a plurality of messages from the plurality of issuers to the plurality of issuer specific mobile applications on the mobile phone, wherein the plurality of messages are formatted and supplied by a messaging service provider to the plurality of issuers, and wherein the messaging service provider is configured to provide at least one of an alert application programming interface, a reporting web interface and a testing hub. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A server computer comprising:
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a processor; and a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor to implement a method comprising; provisioning, by an over-the-air (OTA) service provider computer to a secure element of a mobile phone, issuer specifications for OTA service activation of a plurality of issuer specific payment applications by sending data associated with the plurality of issuer specific payment applications associated with a plurality of issuer specific payment services provided by a plurality of issuers to a mobile phone comprising a contactless element, which is capable of allowing the mobile phone to communicate contactlessly with a contactless reader in a point of sale terminal; provisioning, by the over-the-air (OTA) service provider computer to a transaction message repository of an issuer specific mobile application on the mobile phone, an account management event, wherein the mobile phone comprises the secure element storing the plurality of issuer specific payment applications, and a plurality of issuer specific mobile applications stored outside of the secure element, wherein the plurality of issuer specific payment applications stored on the secure element and the plurality of issuer specific mobile applications stored outside of the secure element are linked with unique application identifiers, wherein the secure element is managed by the OTA service provider and comprises hardware configured to securely store the plurality of issuer specific payment applications and balance information for at least one of the plurality of issuer specific payment applications linked to at least one of the issuer specific payment applications, wherein a unique application identifier is unique to a first issuer specific payment application of the plurality of issuer specific payment applications and a first issuer specific mobile application of the plurality of issuer specific payment applications that is linked to the first issuer specified payment application so that the issuer specific mobile application stored in the secure element is used with the first issuer specific payment application in order to conduct a transaction; and sending a plurality of messages from the plurality of issuers to the plurality of issuer specific mobile applications on the mobile phone, wherein the plurality of messages are formatted and supplied by a messaging service provider to the plurality of issuers, and wherein the messaging service provider is configured to provide at least one of an alert application programming interface, a reporting web interface and a testing hub. - View Dependent Claims (17)
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18. A system comprising:
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a first server computer comprising a first processor and a first computer readable medium comprising code, executable by the first processor to format a plurality of messages from a plurality of issuers; and a second server computer coupled to the first server computer, wherein the second server computer is an over-the-air (OTA) service provider computer, the second server computer comprising a second processor, and a second computer readable medium coupled to the second processor, wherein the second computer readable medium comprises code executable by the second processor to implement a method comprising; provisioning to a secure element of a mobile phone issuer specifications for OTA service activation of a plurality of issuer specific payment applications by sending data associated with the plurality of issuer specific payment applications associated with a plurality of issuer specific payment services to a mobile phone comprising a contactless element, which is capable of allowing the mobile phone to communicate contactlessly with a contactless reader in a point of sale terminal; provisioning, by the over-the-air (OTA) service provider computer to a transaction message repository of an issuer specific mobile application on the mobile phone, an account management event, wherein the mobile phone comprises the secure element storing the plurality of issuer specific payment applications, and a plurality of issuer specific mobile applications stored outside of the secure element, wherein the plurality of issuer specific payment applications stored on the secure element and the plurality of issuer specific mobile applications stored outside of the secure element are linked with unique application identifiers, wherein the secure element is managed by the OTA service provider and comprises hardware configured to securely store the plurality of issuer specific payment applications and balance information for at least one of the plurality of issuer specific payment applications linked to at least one of the issuer specific mobile applications, wherein a unique application identifier is unique to a first issuer specific payment application of the plurality of issuer specific payment applications and a first issuer specific mobile application of the plurality of issuer specific payment applications that is linked to the first issuer specified payment application so that the issuer specific mobile application stored in the secure element is used with the first issuer specific payment application when conducting a transaction; and sending the plurality of messages from the plurality of issuers to the plurality of issuer specific mobile applications on the mobile phone, wherein the plurality of messages are formatted and supplied by a messaging service provider to the plurality of issuers, and wherein the messaging service provider is configured to provide at least one of an alert application programming interface, a reporting web interface and a testing hub. - View Dependent Claims (19, 20, 21)
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Specification