Automated account provisioning
First Claim
1. A method comprising:
- receiving, by a mobile communication device, an information request message from an issuer server computer thereby initiating provisioning of a payment account on the mobile communication device without a user interacting with the mobile communication device, wherein the issuer server computer is associated with an issuer that issued the payment account to the user;
automatically determining, by the mobile communication device, provisioning information associated with a secure memory in response to the information request message and without input of the user operating the mobile communication device;
generating, by the mobile communication device, a provisioning request message including the provisioning information;
sending, by the mobile communication device, the provisioning request message including the provisioning information to a provisioning system or the issuer server computer;
receiving, by the mobile communication device, a provisioning response message including provisioning data from the provisioning system, wherein the provisioning data is generated using the provisioning information associated with the secure memory; and
storing, by the mobile communication device, the provisioning data in the secure memory, wherein the provisioning data associates the mobile communication device with the payment account.
1 Assignment
0 Petitions
Accused Products
Abstract
Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.
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Citations
14 Claims
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1. A method comprising:
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receiving, by a mobile communication device, an information request message from an issuer server computer thereby initiating provisioning of a payment account on the mobile communication device without a user interacting with the mobile communication device, wherein the issuer server computer is associated with an issuer that issued the payment account to the user; automatically determining, by the mobile communication device, provisioning information associated with a secure memory in response to the information request message and without input of the user operating the mobile communication device; generating, by the mobile communication device, a provisioning request message including the provisioning information; sending, by the mobile communication device, the provisioning request message including the provisioning information to a provisioning system or the issuer server computer; receiving, by the mobile communication device, a provisioning response message including provisioning data from the provisioning system, wherein the provisioning data is generated using the provisioning information associated with the secure memory; and storing, by the mobile communication device, the provisioning data in the secure memory, wherein the provisioning data associates the mobile communication device with the payment account. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A mobile communication device comprising:
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a secure memory; a processor, and a non-transitory computer readable medium coupled to the processor, the computer readable medium comprising code, that when executed by the processor, causes the processor to; receive an information request message from an issuer server computer thereby initiating provisioning of a payment account on the mobile communication device without a user interacting with the mobile communication device, wherein the issuer server computer is associated with an issuer that issued the payment account to the user; automatically determine provisioning information associated with the secure memory in response to the information request message and without input of the user operating the mobile communication device; generate a provisioning request message including the provisioning information; send the provisioning request message including the provisioning information to a provisioning system or the issuer server computer; receive a provisioning response message including provisioning data from the provisioning system, wherein the provisioning data is generated using the provisioning information associated with the secure memory; and store the provisioning data in the secure memory, wherein the provisioning data associates the mobile communication device with the payment account. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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Specification