Automated account provisioning
First Claim
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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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.
446 Citations
13 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5)
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6. An issuer server computer comprising:
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a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code, that when executed by the processor, causes the processor to; prior to provisioning a payment account on a mobile communication device of a user; send an information request message to the mobile communication device, the information request message requesting provisioning information associated with a secure memory of the mobile communication device; receive a response message including the provisioning information from the mobile communication device, wherein the provisioning information is automatically gathered by the mobile communication device in response to the information request message and without input of the user operating the mobile communication device; and send a provisioning request message to a provisioning system such that provisioning data can be sent to the mobile communication device for associating the mobile communication device with the payment account, wherein the provisioning request message includes the provisioning information, and one or more of an account identifier and a mobile device identifier associated with the mobile communication device, wherein the issuer server computer is associated with an issuer that issued the payment account to the user. - View Dependent Claims (7, 8, 9)
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10. A method comprising:
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prior to provisioning a payment account on a mobile communication device of a user; sending, by a server computer, an information request message to the mobile communication device, the information request message requesting provisioning information associated with a secure memory of the mobile communication device; receiving, by the server computer, a response message including the provisioning information from the mobile communication device, wherein the provisioning information is automatically gathered by the mobile communication device in response to the information request message and without input of the user operating the mobile communication device; and sending, by the server computer, a provisioning request message to a provisioning system such that provisioning data can be sent to the mobile communication device for associating the mobile communication device with the payment account, wherein the provisioning request message includes the provisioning information, and one or more of an account identifier and a mobile device identifier associated with the mobile communication device, wherein the server computer is associated with an issuer that issued the payment account to the user. - View Dependent Claims (11, 12, 13)
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Specification