Method and system for digital document management on a mobile device

• US 8,538,883 B2
• Filed: 10/04/2012
• Issued: 09/17/2013
• 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: Romagnoli, Amy Sobocinski, Starck, Mike, Akana, Thomas P., Barton, Loren, Mesa, Patrick, Moore, Leslie
• Primary Examiner(s): Dass, Harish T
• Application Number:
  US13/644,690
• Publication Number:
  US 20130060699A1
• Time in Patent Office: 348 Days
• Field of Search: 705/35, 705/13, 705/9, 705 43- 44, 705/39, 455/406, 713/176
• 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 server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction, the method comprising:

selecting, by the user on the portable device, an inactive payment account product from a plurality of payment account product options;

receiving, from the portable device upon which a mobile payment account wallet application module is launched, a user request for the inactive payment account product allowing for communication with a merchant point of sale terminal to carry out a payment transaction;

responsive to the user request, initiating a provisioning process for the inactive 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 information that must be viewed and accepted by a user before the server provisions the payment account data for the requested inactive 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;

prompting for and receiving at the server user input of details associated with the inactive payment account product;

provisioning, to the portable device, in response to receiving an indication that the first digital document has been viewed and accepted and prompting for and receiving input details, payment account data for the inactive payment account product as requested;

transmitting, to the portable device, a second digital document 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 activating the inactive payment account product to allow for communication with a merchant point of sale terminal to carry out a payment transaction.

2. The method of claim 1, wherein the plurality of payment account product options is determined based on user details or search criteria.

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

4. The method of claim 3, wherein the second digital document includes post-application agreement information specific to the inactive payment account product that must be viewed and accepted by the user.

5. The method of claim 4, further comprising receiving, from the portable device, an indication to the server that the user has viewed the second digital document, and updating, by the server responsive to receipt of the indication, the status data indicative of a viewed state of the second digital document.

6. The method of claim 1, wherein the digital document comprising 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.

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

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

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

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

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

12. A mobile payment account system comprising a portable device in communication with a middleware server, wherein the middleware server is operable to:

receive a user request for a selected inactive payment account product from the portable device upon which a mobile payment account wallet application module is launched, the user request being the selected inactive payment account product as selected from a plurality of payment account product options wherein the selected inactive payment account product allows for communication with a merchant point of sale terminal to carry out a payment transaction;

initiates, responsive to the user request as received, a provisioning process for the selected inactive 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 information that must be viewed and accepted by a user before the server provisions the payment account data for the selected inactive 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;

prompting for and receiving at the middleware server user input of details associated with the selected inactive payment account product;

provision, to the portable device, in response to receiving an indication that the first digital document has been viewed and accepted and prompting for and receiving input details, payment account data for the selected inactive payment account product as requested;

transmit, to the portable device, a second digital document including information specific to the selected inactive 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, activate the selected inactive payment account product to allow for communication with a merchant point of sale terminal to carry out a payment transaction.

13. A non-transitory computer-readable medium comprising computer-executable instructions, that when executed perform a method of tracking a process of provisioning, by a 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 receiving, from the portable device, a user request for a selected inactive payment account product upon which a mobile payment account wallet application module is launched, the user request being the selected inactive payment account product as selected from a plurality of payment account product options wherein the selected inactive payment account product allows for communication with a merchant point of sale terminal to carry out a payment transaction;

computer-implementable instructions for initiating, responsive to the user request, a provisioning process for the selected inactive 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 information to be viewed and accepted by a user before the server provisions the payment account data for the selected inactive payment account product;

computer-implementable instructions for receiving, from the portable device, an indication that the first digital document has been viewed and accepted by the user;

prompting for and receiving user input of details associated with the selected inactive payment account product;

computer-implementable instructions for provisioning, to the portable device, in response to receiving an indication that the first digital document has been viewed and accepted and prompting for and receiving input details, payment account data for the selected inactive payment account product as requested;

computer-implementable instructions for transmitting, to the portable device, a second digital document including information specific to the selected inactive payment account product that must be viewed and accepted by the user; 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, activating the selected inactive payment account product to allow for communication with a merchant point of sale terminal to carry out a payment transaction.