METHOD AND SYSTEM FOR DIGITAL DOCUMENT MANAGEMENT ON A MOBILE DEVICE

• US 20120136786A1
• 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 Bank PLC (Barclays PLC)
• Inventors: Akana, Thomas P., Barton, Loren, Romagnoli, Amy Sobocinski, Starck, Mike, Mesa, Patrick, Moore, Leslie
• Granted Patent: US 8,306,916 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state. The middleware then provisions an electronic wallet data for the requested payment account product to the portable device.

Claims

1. A computer-implemented method of tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction, the method comprising:

transmitting, by the portable device to the middleware server, a user request for a payment account product;

initiating, by the middleware server responsive to the user request, a provisioning process for the payment account product requested by the user request, including storing status data indicative of an initiated state of the provisioning process;

transmitting, by the middleware server to the portable device, a digital document including information that must be viewed by a user and updating the status data indicative of a transmitted state of the digital document;

receiving, by the middleware server from the portable device, an indication that the digital document has been viewed by the user, and in response updating the status data indicative of a viewed state of the digital document; and

provisioning, by the middleware server to the portable device, payment account data for the payment account product as requested.

2. The method of claim 1, wherein the portable device is arranged to display a user selectable plurality of payment account products that the user is eligible to request.

3. The method of claim 2, wherein the plurality of payment account products is determined based on user details or search criteria.

4. The method of claim 1, wherein the digital document includes pre-application terms and conditions that the user must view and acknowledge before the middleware server provisions the payment account data for the requested payment account product.

5. The method of claim 4, further comprising transmitting, by the middleware server to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed by the user, and updating the status data indicative of a transmitted state of the second digital document.

6. The method of claim 5, further comprising transmitting, by the portable device, an indication to the middleware server that the user has viewed the second digital document, and updating, by the middleware server responsive to receipt of the indication, the status data indicative of a viewed state of the second digital document.

7. The method of claim 6, wherein the payment account data provisioned by the middleware server to the portable device comprises an inactive mobile payment account, the method further comprising an activation process for activating the payment account product after the user has viewed the second digital document.

8. The method of claim 1, wherein the digital document comprises data associated with one or more portions of the digital document for triggering transmission of an indication that a particular portion of the digital document has been viewed.

9. The method of claim 1, further comprising tracking a time of viewing one or more portions of the digital document.

10. The method of claim 1, further comprising tracking a location of viewing one or more portions of the digital document.

11. The method of claim 1, wherein the digital document is formatted for the portable device.

12. The method of claim 1, wherein the portable device is a mobile handset.

13. The method of claim 1, wherein the portable device is for contactless payment transactions.

14. A computer-implemented method of provisioning, by a middleware server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction and at least one digital document associated with the payment account data that is to be displayed by the portable device, wherein the middleware server automatically monitors the progress of the method of provisioning.

15. A mobile payment account system comprising a portable device in communication with a middleware server,

wherein the portable device transmits a user request for a payment account product to the middleware server;

and

wherein the middleware server;

initiates, responsive to the user request as received, a provisioning process for the payment account product requested by the user request, the provisioning process including storing status data indicative of an initiated state of the provisioning process;

transmits, to the portable device, a digital document including information that must be viewed by a user and updates the status data indicative of a digital document transmitted state;

receives, from the portable device, an indication that the digital document has been viewed by the user and updates the status data indicative of a digital document viewed state; and

provisions, to the portable device, payment account data for the requested payment account product.

16. A computer program comprising program code arranged to perform a method of tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction, when executed by respective components of a payment system, comprising:

computer-implementable instructions for transmitting, by the portable device to the middleware server, a user request for a payment account product;

computer-implementable instructions for initiating, by the middleware server responsive to the user request as received by the middleware server, a provisioning process for the payment account product, including storing status data indicative of an initiated state of the provisioning process;

computer-implementable instructions for transmitting, by the middleware server to the portable device, a digital document including information to be viewed by a user and updating the status data indicative of a transmitted state of the digital document;

computer-implementable instructions for receiving, by the middleware server from the portable device, an indication that the digital document has been viewed by the user, and in response updating the status data indicative of a viewed state of the digital document; and

computer-implementable instructions for provisioning, by the middleware server to the portable device, payment account data for the payment account product as requested.