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Automated account provisioning

  • US 10,248,952 B2
  • Filed: 10/28/2016
  • Issued: 04/02/2019
  • Est. Priority Date: 11/19/2013
  • Status: Active Grant
First Claim
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1. A method comprising:

  • authenticating, by a server computer, a user associated with a user payment account, wherein the server computer is associated with an issuer that issued the user payment account to the user;

    receiving, by the server computer, a mobile device identifier identifying a mobile device of the user;

    prior to provisioning the user payment account on the mobile device of the user;

    generating, by the server computer, a provisioning information request message without interacting with the user, the provisioning information request message including at least the mobile device identifier and a provisioning information request identifier, wherein the provisioning information request identifier automatically causes the mobile device to gather provisioning information associated with a secure memory of the mobile device without interacting with the user; and

    sending, by the server computer, the provisioning information request message to the mobile device, wherein the provisioning information request message initiates provisioning of the user payment account on the mobile device of the user.

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