Method and system for digital document management on a mobile device
First Claim
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:
- receiving from the portable device, a user request for a payment account product;
responsive to the user request, initiating 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, to the portable device, a first digital document including pre-application terms and conditions that must be viewed and accepted by a user before the middleware server provisions the payment account data for the requested payment account product, and updating the status data indicative of a transmitted state of the digital document;
receiving, from the portable device, an indication that the first digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the digital document and provisioning, to the portable device, payment account data for an inactive payment account product as requested;
transmitting, to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed and accepted by the user, and updating the status data indicative of a transmitted state of the second digital document; and
receiving, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the second digital document and activating the inactive payment account product.
3 Assignments
0 Petitions
Accused Products
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.
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Citations
12 Claims
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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:
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receiving from the portable device, a user request for a payment account product; responsive to the user request, initiating 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, to the portable device, a first digital document including pre-application terms and conditions that must be viewed and accepted by a user before the middleware server provisions the payment account data for the requested payment account product, and updating the status data indicative of a transmitted state of the digital document; receiving, from the portable device, an indication that the first digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the digital document and provisioning, to the portable device, payment account data for an inactive payment account product as requested; transmitting, to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed and accepted by the user, and updating the status data indicative of a transmitted state of the second digital document; and receiving, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the second digital document and activating the inactive payment account product. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A mobile payment account system comprising a portable device in communication with a middleware server, wherein the middleware server is operable to:
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receive a user request for a payment account product from the portable device; 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; transmit, to the portable device, a first digital document including pre-application terms and conditions that must be viewed and accepted by a user before the middleware server provisions the payment account data for the requested payment account product, and updates the status data indicative of a digital document transmitted state; receive, from the portable device, an indication that the first digital document has been viewed and accepted by the user and in response, update the status data indicative of a digital document viewed and accepted state and provision, to the portable device, payment account data for an inactive payment account product as requested; transmit, to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed and accepted by the user, and update the status data indicative of the transmitted state of the second digital document; and receive, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and in response, update the status data indicative of a viewed and accepted state of the second digital document and activate the inactive payment account product.
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12. A non-transitory computer-readable medium comprising computer-executable instructions, that when executed 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:
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computer-implementable instructions for receiving, from the portable device, a user request for a payment account product; computer-implementable instructions for initiating, responsive to the user request, 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, to the portable device, a first digital document including pre-application terms and conditions to be viewed and accepted by a user before the middleware server provisions the payment account data for the requested payment account product, and updating the status data indicative of a transmitted state of the digital document; computer-implementable instructions for receiving, from the portable device, an indication that the first digital document has been viewed and accepted by the user, and in response updating the status data indicative of a viewed and accepted state of the digital document and provisioning, to the portable device, payment account data for an inactive account product as requested; computer-implementable instructions for transmitting, to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed and accepted by the user, and updating the status data indicative of the transmitted state of the second digital document; and computer-implementable instructions for receiving, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the second digital document and activating the inactive payment account product.
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Specification