Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device

• US 8,620,299 B2
• Filed: 08/12/2008
• Issued: 12/31/2013
• Est. Priority Date: 08/12/2008
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Kumar, Pradeep
• Primary Examiner(s): SIVJI, NIZAR N
• Application Number:
  US12/190,564
• Publication Number:
  US 20100041368A1
• Time in Patent Office: 1,967 Days
• Field of Search: 455405-407, 455/414.1, 379/114
• US Class Current: 455/419
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04W 12/04 Key management, e.g. using generic bootstrapping architecture [GBA]
• CPC Class Codes: H04W 12/35 Protecting application or service provisioning, e.g. securing SIM application provisioning

Abstract

Methods, systems, and computer readable media for electronically delivering a prepaid card to a mobile device are disclosed. According to one aspect, the method includes receiving, at a merchant server, purchase information related to the purchase of an electronic prepaid card. The method further includes receiving, from the merchant server, electronic prepaid card information derived from the purchase information. The method further includes establishing a communications link with a mobile device associated with address data included in the electronic prepaid card information. The method also includes provisioning the electronic prepaid card information on the mobile device via over the air (OTA) communications.

Claims

1. A method for electronically delivering a prepaid card to a mobile device, the method comprising:

receiving, at a merchant server, purchase information related to the purchase of an electronic prepaid card, wherein the purchase information includes recipient information associated with a near field communications (NFC) enabled mobile device configured to be provisioned with the electronic prepaid card;

receiving, at an over the air (OTA) provisioning server and from the merchant server, electronic prepaid card information derived from the purchase information including the recipient information;

establishing a communications link between the OTA provisioning server and the NFC enabled mobile device associated with the recipient information; and

provisioning, by the OTA provisioning server, the electronic prepaid card information on the NFC enabled mobile device over the communications link via OTA communications, wherein the electronic prepaid card information is transferable from the NFC enabled mobile device to a wireless device reader via near field communications, wherein provisioning the electronic prepaid card information on the NFC enabled mobile device includes delivering, from the OTA provisioning server to the NFC enabled mobile device via OTA communications, personalization data that is used to generate a softcard prepaid card in the NFC enabled mobile device.

2. The method of claim 1 wherein the electronic prepaid card information comprises a prepaid card authorization code.

3. The method of claim 1 further comprising:

storing the electronic prepaid card information on the NFC enabled mobile device as a prepaid softcard and personalization data.

4. The method of claim 3 further comprising:

storing the personalization data within a secure element in the NFC enabled mobile device.

5. The method of claim 1 further comprising:

sending a message to the merchant server indicating a successful delivery of the electronic prepaid information to the NFC enabled mobile device.

6. The method of claim 5 further comprising:

sending a confirmation message to the original purchaser of the electronic prepaid card from the merchant server indicating a successful delivery of the electronic prepaid information to the NFC enabled mobile device.

7. The method of claim 1 further comprising:

transferring the personalization data to the wireless device reader in order to conduct a payment transaction.

8. A system for electronically delivering a prepaid card to a mobile device, the system comprising:

a merchant server for receiving purchase information related to the purchase of an electronic prepaid card and generating electronic prepaid card information, wherein the purchase information includes recipient information associated with a near field communications (NFC) enabled mobile device configured to be provisioned with the electronic prepaid card; and

an over the air (OTA) provisioning server for receiving the electronic prepaid card information from the merchant server, establishing a communications link with the NFC enabled mobile device associated with the recipient information included in the prepaid card information, and provisioning the electronic prepaid card information to the NFC enabled mobile device over the communications link via over the air (OTA) communications, wherein the electronic prepaid card information is transferable from the NFC enabled mobile device to a wireless device reader via near field communications, wherein provisioning the electronic prepaid card information on the NFC enabled mobile device includes delivering, from the OTA provisioning server to the NFC enabled mobile device via OTA communications, personalization data that is used to generate a softcard prepaid card in the NFC enabled mobile device.

9. The system of claim 8 wherein the electronic prepaid card information comprises a prepaid card authorization code.

10. The system of claim 8 wherein the OTA provisioning server is further configured to upload the electronic prepaid card information to the NFC enabled mobile device as a prepaid softcard and personalization data.

11. The system of claim 10 wherein the personalization data is uploaded to a secure element in the NFC enabled mobile device.

12. The system of claim 8 wherein the OTA provisioning server is further adapted to send a message to the merchant server indicating the successful delivery of the electronic prepaid information to the NFC enabled mobile device.

13. The system of claim 12 wherein the merchant server is further adapted to send a confirmation message to the original purchaser of the electronic prepaid card from the merchant server indicating a successful delivery of the electronic prepaid information to the NFC enabled mobile device.

14. The system of claim 13 wherein the confirmation message includes at least one of an SMS message and an email message.

15. The system of claim 14 wherein the confirmation message includes a purchase receipt.

16. The system of claim 8 wherein the NFC enabled mobile device is adapted to transfer the personalization data to the wireless device reader in order to conduct a payment transaction.

17. A method for electronically delivering a prepaid card to a mobile device, the method comprising:

receiving, at a merchant server, purchase information related to the purchase of an electronic prepaid card, wherein the purchase information includes recipient information associated with a near field communications (NFC) enabled mobile device configured to be provisioned with the electronic prepaid card;

receiving, at an over the air (OTA) provisioning server and from the merchant server, electronic prepaid card information derived from the purchase information including the recipient information;

establishing a communications link between the OTA provisioning server and the NFC enabled mobile device associated with the recipient information, wherein establishing a communications link with the NFC enabled mobile device includes sending a control short message service (SMS) message to the NFC enabled mobile device associated with the recipient information included in the electronic prepaid card information and receiving, from the NFC enabled mobile device, an electronic prepaid card download request for the electronic prepaid card information; and

provisioning, by the OTA provisioning server, the electronic prepaid card information on the NFC enabled mobile device over the communications link via OTA communications, wherein the electronic prepaid card information is transferable from the NFC enabled mobile device to a wireless device reader via near field communications.

18. A system for electronically delivering a prepaid card to a mobile device, the system comprising:

a merchant server for receiving purchase information related to the purchase of an electronic prepaid card and generating electronic prepaid card information, wherein the purchase information includes recipient information associated with a near field communications (NFC) enabled mobile device configured to be provisioned with the electronic prepaid card; and

an over the air (OTA) provisioning server for receiving the electronic prepaid card information from the merchant server, establishing a communications link with the NFC enabled mobile device associated with the recipient information included in the prepaid card information, and provisioning the electronic prepaid card information to the NFC enabled mobile device over the communications link via over the air (OTA) communications, wherein the electronic prepaid card information is transferable from the NFC enabled mobile device to a wireless device reader via near field communications, and wherein the OTA provisioning server is further configured to send a control short message service (SMS) message to the NFC enabled mobile device associated with the recipient information included in the prepaid card information, and receive, from the NFC enabled mobile device, an electronic prepaid card download request for the electronic prepaid card information.

19. A computer readable medium having stored thereon comprising computer executable instructions that when executed by a processor of a computer performs steps comprising:

receiving, at a merchant server, purchase information related to the purchase of an electronic prepaid card, wherein the purchase information includes recipient information associated with a near field communications (NFC) enabled mobile device configured to be provisioned with the electronic prepaid card;

receiving, at an over the air (OTA) provisioning server and from the merchant server, electronic prepaid card information derived from the purchase information including the recipient information;

establishing a communications link between the OTA provisioning server and the NFC enabled mobile device associated with the recipient information; and

provisioning, by the OTA provisioning server, the electronic prepaid card information on the NFC enabled mobile device over the communications link via OTA communications, wherein the electronic prepaid card information is transferable from the NFC enabled mobile device to a wireless device reader via near field communications, wherein provisioning the electronic prepaid card information on the NFC enabled mobile device includes delivering, from the OTA provisioning server to the NFC enabled mobile device via OTA communications, personalization data that is used to generate a softcard prepaid card in the NFC enabled mobile device.