SYSTEM AND METHODS FOR ISSUANCE OF A MOBILE PAYMENT ACCOUNT
First Claim
1. A method 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 the make and model of a mobile device being considered for purchase by the consumer and a mobile network operator (MNO) identifier;
verifying, by the personalization server computer, the payment account information;
determining, by the personalization server computer based on the mobile payment account information request message, 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 provisioning response message for presentation to the consumer.
1 Assignment
0 Petitions
Accused Products
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.
26 Citations
18 Claims
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1. A method comprising:
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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 the make and model of a mobile device being considered for purchase by the consumer and a mobile network operator (MNO) identifier; verifying, by the personalization server computer, the payment account information; determining, by the personalization server computer based on the mobile payment account information request message, 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 provisioning response message for presentation to the consumer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An apparatus, comprising:
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a communications device; a processor operably connected to the communications device; and a storage device operably connected to the processor, wherein the storage device stores processor-executable instructions configured to cause the 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 the make and model of a mobile device being considered for purchase by the consumer and a mobile network operator (MNO) identifier; verify the payment account information; determine, based on the mobile payment account information request message, a provisioning response message comprising information identifying at least one provisioning option for the mobile device; and transmit the provisioning response message to the merchant device for presentation to the consumer. - View Dependent Claims (11, 12)
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13. A non-transitory computer-readable medium storing processor executable instructions configured to cause a processor to:
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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 the make and model of a mobile device being considered for purchase by the consumer and a mobile network operator (MNO) identifier; verify the payment account information; determine a provisioning response message comprising information identifying at least one provisioning option for the mobile device; and transmit the provisioning response message to the merchant device for presentation to the consumer. - View Dependent Claims (14, 15, 16, 17, 18)
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Specification