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

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Tanner, Colin, Sheppard, Christina E., Blanco, German
• Primary Examiner(s): Liu, Chia-Yi
• Application Number:
  US14/050,474
• Publication Number:
  US 20140101035A1
• Time in Patent Office: 2,196 Days
• Field of Search: 705 35- 45
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

Methods and apparatus for provisioning a payment account on a mobile device at a location such as a retail store in conjunction with a purchase. A method includes a personalization server computer receiving payment account information of a consumer and a mobile payment account information request message from a merchant device, the message including information identifying the make and model of a mobile device being considered for purchase and a mobile network operator (MNO) identifier. The personalization server computer verifies the payment account information, determines a provisioning response message that includes information identifying at least one provisioning option, and transmits the provisioning response message to the merchant device for presentation to the consumer.

Claims

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.

2. The method of claim 1, further comprising:

receiving, by the personalization server computer from the merchant device, a mobile device provisioning request that includes a selection of a provisioning option; and

transmitting, by the personalization server computer to the merchant device, a contactless payment application for performing near-field communication (NFC) purchase transactions for loading into the consumer'"'"'s mobile device.

3. The method of claim 1, wherein the payment account information comprises a primary account number (PAN), the consumer'"'"'s name and address information, and consumer security information.

4. The method of claim 1, wherein the information identifying the make and model of the mobile device comprises at least one of a stock keeping unit (SKU) and product code.

5. The method of claim 4, wherein assembling a provisioning response further comprises:

determining, by the personalization server computer based on at least one of the SKU and the product code, at least one mobile network operator (MNO) and at least one associated mobile plan option associated with the mobile device purchased by the consumer; and

preparing, by the personalization server computer, the provisioning response message by accumulating information of each MNO having at least one mobile operation plan associated with the mobile device.

6. The method of claim 1, wherein the merchant device obtains the payment account information via an associated card reader, and obtains the information identifying the make and model of the mobile device via a product label reader device.

7. The method of claim 1, wherein the at least one provisioning option for the mobile device comprises one of provisioning an existing payment card account of the customer onto the mobile device, provisioning a mobile staging account onto the mobile device, or provisioning a General Purpose Reloadable (GPR) prepaid account onto the mobile device.

8. An apparatus for provisioning a consumer mobile device, comprising:

a communications device;

a personalization processor operably connected to the communications device; and

a storage device operably connected to the personalization processor, wherein the storage device stores processor-executable instructions configured to cause the personalization processor to;

receive payment account information of a consumer and a mobile payment account information request message from a merchant device, 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;

determine, based on at least a portion of the payment account information, an issuer financial institution (FI) holding a payment account of the consumer;

transmit a verification request comprising the payment account information;

receive a positive verification response that indicates participation by the issuer FI in a mobile provisioning service;

identify, 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;

assemble, 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

transmit the assembled provisioning response message to the merchant device for presentation to the consumer.

9. The apparatus of claim 8, wherein the storage device stores further instructions processor-executable instructions configured to cause the processor to:

receive a mobile device provisioning request from the merchant device that includes a selection of a provisioning option; and

transmit a contactless payment application for performing near-field communication (NFC) purchase transactions to the merchant device for loading into the consumer'"'"'s mobile device.

10. A non-transitory computer-readable medium storing processor executable instructions configured to cause a personalization processor to:

receive payment account information of a consumer and a mobile payment account information request message from a merchant device, 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;

determine, based on at least a portion of the payment account information, an issuer financial institution (FI) holding a payment account of the consumer;

transmit a verification request comprising the payment account information;

receive a positive verification response that indicates participation by the issuer FI in a mobile provisioning service;

identify, 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;

assemble, 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

transmit the assembled provisioning response message to the merchant device for presentation to the consumer.

11. The non-transitory computer-readable medium of claim 10, further comprising processor-executable instructions configured to cause the processor to:

receive a mobile device provisioning request from the merchant device, the mobile device provisioning request including a selection of a provisioning option; and

transmit a contactless payment application to the merchant device for loading into the consumer'"'"'s mobile device, the contactless payment application configured to permit the mobile device to perform near-field communication (NFC) purchase transactions.

12. The non-transitory computer-readable medium of claim 10, wherein the instructions for assembling a provisioning response message further comprise processor-executable instructions configured to cause the processor to:

determine at least one mobile network operator (MNO) and at least one associated mobile plan option associated with the mobile device purchased by the consumer; and

prepare the provisioning response message by accumulating information of each MNO having at least one mobile operation plan associated with the mobile device.

13. The non-transitory computer-readable medium of claim 12, wherein preparing the provisioning response message further comprises processor-executable instructions configured to cause the processor to prepare a provisioning response message comprising at least one of an existing payment card account of the customer, a mobile staging account, or a General Purpose Reloadable (GPR) prepaid account.