Method and system for account management and electronic wallet access on a mobile device
First Claim
1. A method for configuring an additional portable device to enable payment transactions involving an existing primary payment account at a payment account issuer, comprising:
- receiving, by a server of the payment account issuer, a data message from a first electronic wallet application module on a first portable device, the data message including a request to add an additional user who is authorized to use the primary payment account on a second portable device;
generating, by the server, an activation code for the additional user and transmitting the activation code to the first portable device;
transmitting to the second portable device a second electronic wallet application module comprising processing instructions to control operation of the second portable device to conduct a payment transaction using the primary payment account, said software application configured to run as a background application that activates upon receipt of a message or event; and
transmitting, by the server, a data message or instructions to the second portable device, the data message or instructions to configure the second portable device to enable mobile payment transactions, the configuring comprising verifying, by the server, the activation code input by the additional user to the second portable device.
3 Assignments
0 Petitions
Accused Products
Abstract
A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.
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Citations
14 Claims
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1. A method for configuring an additional portable device to enable payment transactions involving an existing primary payment account at a payment account issuer, comprising:
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receiving, by a server of the payment account issuer, a data message from a first electronic wallet application module on a first portable device, the data message including a request to add an additional user who is authorized to use the primary payment account on a second portable device; generating, by the server, an activation code for the additional user and transmitting the activation code to the first portable device; transmitting to the second portable device a second electronic wallet application module comprising processing instructions to control operation of the second portable device to conduct a payment transaction using the primary payment account, said software application configured to run as a background application that activates upon receipt of a message or event; and transmitting, by the server, a data message or instructions to the second portable device, the data message or instructions to configure the second portable device to enable mobile payment transactions, the configuring comprising verifying, by the server, the activation code input by the additional user to the second portable device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system for configuring an additional portable device to enable payment transactions involving an existing primary payment account at a payment account issuer, the system comprising one or more computer processors configured to:
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receive a data message from a first electronic wallet application module on a first portable device, the data message including a request to add an additional user who is authorized to use the primary payment account on a second portable device; generate an activation code for the additional user and transmitting the activation code to the first portable device; transmit to the second portable device a second electronic wallet application module comprising processing instructions to control operation of the second portable device to conduct a payment transaction using the primary payment account, said software application configured to run as a background application that activates upon receipt of a message or event; and transmit a data message or instructions to the second portable device, the data message or instructions to configure the second portable device to enable mobile payment transactions, the configuring comprising verifying, by the server, the activation code input by the additional user to the second portable device.
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14. A non-transitory computer program comprising program code arranged to perform a method for configuring an additional portable device to enable payment transactions involving an existing primary payment account at a payment account issuer, when executed by respective components of a payment system, comprising:
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computer-implementable instructions for receiving, by a server of the payment account issuer, a data message from a first electronic wallet application module on a first portable device, the data message including a request to add an additional user who is authorized to use the primary payment account on a second portable device; computer-implementable instructions for generating, by the server, an activation code for the additional user and transmitting the activation code to the first portable device; computer-implementable instructions for transmitting to the second portable device a second electronic wallet application module comprising processing instructions to control operation of the second portable device to conduct a payment transaction using the primary payment account, said software application configured to run as a background application that activates upon receipt of a message or event; and computer-implementable instructions for transmitting, by the server, a data message or instructions to the second portable device, the data message or instructions to configure the second portable device to enable mobile payment transactions, the configuring comprising verifying, by the server, the activation code input by the additional user to the second portable device.
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Specification