PROVISIONING OF A DEVICE FOR MOBILE COMMERCE

• US 20080208742A1
• Filed: 07/30/2007
• Published: 08/28/2008
• Est. Priority Date: 02/22/2007
• Status: Abandoned Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Arthur, Steven E., Owen, Sarah, VanDeburg, Theodore, Toomer, Christopher L.
• Application Number:
  US11/830,420
• Publication Number:
  US 20080208742A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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

Abstract

Methods, systems, and machine-readable media are disclosed for provisioning information to a mobile device in a mobile commerce system. According to one embodiment, a method of provisioning information to a mobile wallet application of a mobile device can comprise receiving at a mobile wallet server registration information for the mobile device from an acquirer system. A determination can be made based on the registration information as to whether the mobile wallet of the mobile device has been previously provisioned. In response to determining that the mobile wallet of the mobile device has not been previously provisioned, a new mobile wallet can be created for the mobile device. A notification can then be sent from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.

Claims

1. A method of provisioning information to a mobile wallet of a mobile device, the method comprising:

receiving at a mobile wallet server registration information for the mobile device from an acquirer system;

determining based on the registration information whether the mobile wallet of the mobile device has been previously provisioned; and

in response to determining that the mobile wallet of the mobile device has not been previously provisioned, creating a new mobile wallet for the mobile device and sending a notification from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.

2. The method of claim 1, further comprising in response to determining that the mobile wallet of the mobile device has been previously provisioned, retrieving a stored set of previously provisioned mobile wallet information for the mobile device and sending the set of previously provisioned mobile wallet information to the mobile device from the mobile wallet server.

3. The method of claim 1, wherein the notification comprises a Short Message Service (SMS) message.

4. The method of claim 1, wherein the notification comprises an email message.

5. The method of claim 1, further comprising receiving at the mobile wallet server a response to the notification from the mobile device.

6. The method of claim 5, further comprising authenticating a user of the mobile device based on the response.

7. The method of claim 6, further comprising in response to authenticating the user of the mobile device, downloading the mobile wallet from the mobile wallet server to the mobile device.

8. The method of claim 7, wherein downloading the mobile wallet from the mobile wallet server to the mobile device is performed via a wireless communications network.

9. The method of claim 8, wherein the wireless communications network comprises a cellular network.

10. A mobile commerce system comprising:

a mobile device;

an acquirer system adapted to provide a set of registration information for the mobile device; and

a mobile wallet server communicatively coupled with the acquirer system and adapted to receive the registration information for the mobile device from the acquirer system, determine based on the registration information whether the mobile wallet of the mobile device has been previously provisioned, and in response to determining that the mobile wallet of the mobile device has not been previously provisioned, create a new mobile wallet for the mobile device and send a notification from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.

11. The system of claim 10, wherein the mobile wallet server is further adapted to retrieve a stored set of previously provisioned mobile wallet information for the mobile device and send the set of previously provisioned mobile wallet information to the mobile device in response to determining that the mobile wallet of the mobile device has been previously provisioned.

12. The system of claim 10, wherein the notification comprises a Short Message Service (SMS) message.

13. The system of claim 10, wherein the notification comprises an email message.

14. The system of claim 10, wherein the mobile wallet server is further adapted to receive a response to the notification from the mobile device.

15. The system of claim 14, wherein the mobile wallet server is further adapted to authenticate a user of the mobile device based on the response.

16. The system of claim 15, wherein the mobile wallet server is further adapted to download the mobile wallet to the mobile device in response to authenticating the user of the mobile device.

17. A machine-readable medium having stored thereon a series of instructions which, when executed by a processor, cause the processor to provision information to a mobile device in a mobile commerce system by:

receiving at a mobile wallet server registration information for the mobile device from an acquirer system;

determining based on the registration information whether the mobile wallet of the mobile device has been previously provisioned; and

in response to determining that the mobile wallet of the mobile device has not been previously provisioned, creating a new mobile wallet for the mobile device and sending a notification from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.

18. The machine-readable medium of claim 17, further comprising in response to determining that the mobile wallet of the mobile device has been previously provisioned, retrieving a stored set of previously provisioned mobile wallet information for the mobile device and sending the set of previously provisioned mobile wallet information to the mobile device from the mobile wallet server.

19. The machine-readable medium of claim 17, wherein the notification comprises a Short Message Service (SMS) message.

20. The machine-readable medium of claim 17, wherein the notification comprises an email message.

21. The machine-readable medium of claim 17, further comprising receiving at the mobile wallet server a response to the notification from the mobile device.

22. The machine-readable medium of claim 21, further comprising authenticating a user of the mobile device based on the response.

23. The machine-readable medium of claim 22, further comprising in response to authenticating the user of the mobile device, downloading the mobile wallet from the mobile wallet server to the mobile device.

24. The machine-readable medium of claim 23, wherein downloading the mobile wallet from the mobile wallet server to the mobile device is performed via a wireless communications network.

25. The machine-readable medium of claim 24, wherein the wireless communications network comprises a cellular network.