US 10,650,371 B2 · System and method for enabling a mobile communication device to operate as a financial presentation device

Abstract

A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.

Claims20

Dependent claims

A method comprising:

receiving, by a computer system, a request to enable a mobile communication device of a user to operate as a financial presentation device (FPD) of the user, wherein the request includes an identifier associated with the FPD and an identifier associated with the mobile communication device;
storing, by the computer system, the identifier associated with the FPD and the identifier associated with the mobile communication device;
and
in response to storing the identifier, transmitting, by the computer system, a payment application comprising a program for performing a diagnostic test on the mobile communication device to the mobile communication device to determine if the mobile communication device supports contactless communications which allows the mobile communication device to operate as the financial presentation device.

1 more element

Dependencies are inferred from the claim text.

Facts

Application

16/521,387Filed 24 Jul 2019 · continuation

Priority

27 Oct 2009

Published

US 2019/0197515 A114 Nov 2019

Granted

12 May 2020

Term ends

Not estimatedThe source records don’t support an estimate.

Classification14 codes

G06Q 20/3226
Aspects of commerce using mobile devices [M-devices]: use of secure elements separate from M-devices
G06Q 20/3223
Aspects of commerce using mobile devices [M-devices]: realising banking transactions through M-devices
G06Q 20/326
Using wireless devices: payment applications installed on the mobile devices
G06Q 20/3829
Insuring higher security of transaction: involving key management

Family

Application12/606,685Parent of this continuation · filed 27 Oct 2009

Application14/610,988Parent of this continuation · filed 30 Jan 2015

US 8,983,438 B2Parent of this continuation · filed 17 Mar 2015

Application15/726,098Parent of this continuation · filed 5 Oct 2017

US 9,811,819 B2Parent of this continuation · filed 7 Nov 2017

Application16/286,606Parent of this continuation · filed 27 Feb 2019

US 10,262,314 B2Parent of this continuation · filed 16 Apr 2019

US 2019/0347645 A1Pre-grant publication · published 14 Nov 2019

US 10,402,813 B2Parent of this continuation

US 2011/0098023 A1Published application

US 2015/0149364 A1Published application

US 2018/0032998 A1Published application

US 2019/0197515 A1Published application

US 10,650,371 B2This patent

From the US filing history. Foreign family members aren’t listed.

System and method for enabling a mobile communication device to operate as a financial presentation device

Life of this patent

System and method for enabling a mobile communication device to operate as a financial presentation device

Life of this patent

Abstract

Claims20