METHOD AND SYSTEM FOR ACCOUNT MANAGEMENT AND ELECTRONIC WALLET ACCESS ON A MOBILE DEVICE

• US 20120136732A1
• Filed: 11/29/2010
• Published: 05/31/2012
• Est. Priority Date: 11/29/2010
• Status: Active Grant

• Current Assignee: Barclays Execution Services Ltd. (Barclays PLC)
• Original Assignee: Barclays Services Limited (Barclays PLC)
• Inventors: Schuetz, Christine Ann, Crozier, Eric, McMillen, Glenn Curtiss, Crake, David A., Akana, Thomas P., Barton, Loren, Lloyd, Garry
• Granted Patent: US 9,607,293 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/229 Hierarchy of users of accounts
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication

Abstract

A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.

Claims

1. A method of facilitating mobile payment account management from a first electronic wallet on a first portable device, comprising:

storing, on the first portable device, the first electronic wallet comprising data for authorizing a payment transaction from a primary payment account;

receiving, by the first portable device, user input of an additional authorized user authorized to use the primary payment account;

generating an activation code for the additional authorized user;

storing, on a second portable device, a second electronic wallet comprising data for authorizing a payment transaction from the primary payment account; and

enabling payment transactions from the primary payment account to be authorized from the second portable device after receiving user input of the activation code at the second portable device.

2. The method of claim 1, wherein user input of the additional authorized user comprises input of data identifying the additional authorized user.

3. The method of claim 1, wherein user input of the additional authorized user comprises selection of a contact person from contact data stored on the first portable device, wherein the contact data includes data identifying the additional authorized user.

4. The method of claim 3, wherein the data identifying the additional authorized user comprises a mobile directory number.

5. The method of claim 4, further comprising transmitting, by the first portable device, a request to add an authorized user of the primary payment account to a middleware server associated with a payment account issuer, wherein the request comprises data identifying the primary payment account and the mobile directory number for the additional authorized user.

6. The method of claim 5, wherein generating the activation code is performed by the middleware server in communication with the first portable device.

7. The method of claim 6, wherein the authorized user is authenticated by the middleware server based on the activation code input to the second portable device.

8. The method of claim 6, wherein the middleware server communicates the activation code with the data for authorizing a payment transaction from the primary payment account that is stored on the second portable device, and wherein the authorized user is authenticated by the second portable device based on user input of the activation code.

9. The method of claim 6, wherein the middleware server stores data indicating a state of the first electronic wallet stored on the first portable device and the second electronic wallet stored on the second portable device.

10. The method of claim 9, wherein the state comprises an inactive state where the first electronic wallet or the second electronic wallet cannot be used to authorize a payment transaction from the primary payment account and an active state where the first electronic wallet or the second electronic wallet can be used to authorize a payment transaction from the primary payment account.

11. The method of claim 1, further comprising receiving user input sensitive information after receiving user input of the activation code at the second portable device.

12. The method of claim 1, wherein the first electronic wallet and the second electronic wallet are stored in respective secure memory elements of the first portable device and the second portable device.

13. The method of claim 1, wherein the first portable device and the second portable device are mobile handsets.

14. The method of claim 1, wherein the first portable device and the second portable device are adapted for contactless payment transactions.

15. A system for facilitating mobile payment account management from a first electronic wallet on a first portable device, comprising:

the first portable device arranged to store the first electronic wallet comprising data for authorizing a payment transaction from a primary payment account, and to receive user input identifying an additional authorized user authorized to use the primary payment account;

a middleware server arranged to generate an activation code for the additional authorized user; and

a second portable device storing a second electronic wallet comprising data for authorizing a payment transaction from the primary payment account, and to receive user input of the activation code;

wherein the middleware server and second portable device are further arranged to enable payment transactions from the primary payment account to be authorized from the second portable device after user input of the activation code is received by the second portable device.

16. The system of claim 15, further comprising a merchant electronic point of sale terminal and wherein the first portable device and the second portable device are operable to communicate with a merchant electronic point of sale terminal via a contactless communication link to conduct a payment transaction using the first electronic wallet on the first portable device and the second electronic wallet on the second portable device.

17. The system of claim 15, wherein the first portable device is arranged to store the first electronic wallet comprising data for authorizing the payment transaction from the primary payment account, and to facilitate real-time activation of the additional authorized user authorized to use the primary payment account for payment transactions on the second portable device.

18. A computer program comprising program code arranged to perform a method of facilitating mobile payment account management from a first electronic wallet on a first portable device when executed by respective components of a payment system, comprising:

computer-implementable instructions for storing, on the first portable device, a the first electronic wallet comprising data for authorizing a payment transaction from a primary payment account;

computer-implementable instructions for receiving, by the first portable device, user input of an additional authorized user authorized to use the primary payment account;

computer-implementable instructions for generating an activation code for the additional authorized user;

computer-implementable instructions for storing, on a second portable device, a second electronic wallet comprising data for authorizing a payment transaction from the primary payment account; and

computer-implementable instructions for enabling payment transactions from the primary payment account to be authorized from the second portable device after receiving user input of the activation code at the second portable device.