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METHOD AND SYSTEM FOR SECURE USER REGISTRATION

  • US 20120284195A1
  • Filed: 05/04/2011
  • Published: 11/08/2012
  • Est. Priority Date: 05/04/2011
  • Status: Abandoned Application
First Claim
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1. A mobile payment account system comprising:

  • a mobile device configured for contactless payment operations from a mobile payment account and including;

    a secure element storing a wallet application module, data defining a first encryption key, and data associated with the mobile payment account; and

    a first passcode generator adapted to generate a first passcode based at least on the first encryption key; and

    an online account server including;

    a memory storing online account data defining a user account associated the mobile device, the online account data comprising data defining a second encryption key;

    a communication interface adapted to receive user input data identifying the passcode generated by the mobile device;

    a second passcode generator adapted to generate a second passcode based at least on the second encryption key; and

    a user validator adapted to compare the first passcode to the second passcode in a registration process to register the user account.

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