Method and system for digital document management on a mobile device

• US 8,306,916 B2
• Filed: 11/29/2010
• Issued: 11/06/2012
• Est. Priority Date: 11/29/2010
• Status: Active Grant

• Current Assignee: Barclays Execution Services Ltd. (Barclays PLC)
• Original Assignee: Barclays Bank PLC (Barclays PLC)
• Inventors: Romagnoli, Amy Sobocinski, Starck, Mike, Akana, Thomas P., Barton, Loren, Mesa, Patrick, Moore, Leslie
• Primary Examiner(s): Dass, Harish T
• Application Number:
  US12/955,326
• Publication Number:
  US 20120136786A1
• Time in Patent Office: 708 Days
• Field of Search: 705 39- 41, 705/35, 705/44, 705/16, 705/25, 707/3, 507/35, 709/206
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state. The middleware then provisions an electronic wallet data for the requested payment account product to the portable device.

Claims

1. A computer-implemented method of tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction, the method comprising:

receiving from the portable device, a user request for a payment account product;

responsive to the user request, initiating a provisioning process for the payment account product requested by the user request, including storing status data indicative of an initiated state of the provisioning process;

transmitting, to the portable device, a first digital document including pre-application terms and conditions that must be viewed and accepted by a user before the middleware server provisions the payment account data for the requested payment account product, and updating the status data indicative of a transmitted state of the digital document;

receiving, from the portable device, an indication that the first digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the digital document and provisioning, to the portable device, payment account data for an inactive payment account product as requested;

transmitting, to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed and accepted by the user, and updating the status data indicative of a transmitted state of the second digital document; and

receiving, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the second digital document and activating the inactive payment account product.

2. The method of claim 1, wherein the portable device is arranged to display a plurality of user-selectable payment account products that the user is eligible to request.

3. The method of claim 2, wherein the plurality of payment account products is determined based on user details or search criteria.

4. The method of claim 1, further comprising receiving an indication that the pre-application terms and conditions of the first digital document have been acknowledged by the user before the middleware server provisions the payment account data for the requested payment account product.

5. The method of claim 1, wherein the digital document comprises data associated with one or more portions of the digital document for triggering transmission of an indication that a particular portion of the digital document has been viewed and accepted.

6. The method of claim 1, further comprising tracking a time of viewing one or more portions of the digital document.

7. The method of claim 1, further comprising tracking a location of viewing one or more portions of the digital document.

8. The method of claim 1, wherein the digital document is formatted for the portable device.

9. The method of claim 1, wherein the portable device is a mobile handset.

10. The method of claim 1, wherein the portable device is for contactless payment transactions.

11. A mobile payment account system comprising a portable device in communication with a middleware server, wherein the middleware server is operable to:

receive a user request for a payment account product from the portable device;

initiates, responsive to the user request as received, a provisioning process for the payment account product requested by the user request, the provisioning process including storing status data indicative of an initiated state of the provisioning process;

transmit, to the portable device, a first digital document including pre-application terms and conditions that must be viewed and accepted by a user before the middleware server provisions the payment account data for the requested payment account product, and updates the status data indicative of a digital document transmitted state;

receive, from the portable device, an indication that the first digital document has been viewed and accepted by the user and in response, update the status data indicative of a digital document viewed and accepted state and provision, to the portable device, payment account data for an inactive payment account product as requested;

transmit, to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed and accepted by the user, and update the status data indicative of the transmitted state of the second digital document; and

receive, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and in response, update the status data indicative of a viewed and accepted state of the second digital document and activate the inactive payment account product.

12. A non-transitory computer-readable medium comprising computer-executable instructions, that when executed perform a method of tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction, when executed by respective components of a payment system, comprising:

computer-implementable instructions for receiving, from the portable device, a user request for a payment account product;

computer-implementable instructions for initiating, responsive to the user request, a provisioning process for the payment account product, including storing status data indicative of an initiated state of the provisioning process;

computer-implementable instructions for transmitting, to the portable device, a first digital document including pre-application terms and conditions to be viewed and accepted by a user before the middleware server provisions the payment account data for the requested payment account product, and updating the status data indicative of a transmitted state of the digital document;

computer-implementable instructions for receiving, from the portable device, an indication that the first digital document has been viewed and accepted by the user, and in response updating the status data indicative of a viewed and accepted state of the digital document and provisioning, to the portable device, payment account data for an inactive account product as requested;

computer-implementable instructions for transmitting, to the portable device, a second digital document including post-application agreement information specific to the payment account product that must be viewed and accepted by the user, and updating the status data indicative of the transmitted state of the second digital document; and

computer-implementable instructions for receiving, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and in response, updating the status data indicative of a viewed and accepted state of the second digital document and activating the inactive payment account product.