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System and methods for issuance of a mobile payment account

  • US 10,445,717 B2
  • Filed: 10/10/2013
  • Issued: 10/15/2019
  • Est. Priority Date: 10/10/2012
  • Status: Active Grant
First Claim
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1. A method for provisioning a consumer mobile device comprising:

  • receiving, by a personalization server computer from a merchant device, payment account information of a consumer and a mobile payment account information request message, wherein the mobile payment account information request message comprises information identifying a make and model of a mobile device purchased by the consumer and a mobile network operator (MNO) identifier;

    determining, by the personalization server computer based on at least a portion of the payment account information, an issuer financial institution (FI) holding a payment account of the consumer;

    transmitting, by the personalization server computer to the issuer FI, a verification request comprising the payment account information;

    receiving, by the personalization server computer from the issuer FI, a positive verification response that indicates participation by the issuer FI in a mobile provisioning service;

    identifying, by the personalization server computer based on the payment account information and the MNO identifier, mobile device provisioning option information by searching in at least two of an issuer FI database, a mobile device type database, a contactless payment application database, a MNO database, and a business rules database;

    assembling, by the personalization server computer based on the mobile device provisioning option information, a provisioning response message comprising information identifying at least one provisioning option for the mobile device; and

    transmitting, by the personalization server computer to the merchant device, the assembled provisioning response message for presentation to the consumer.

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