Systems and methods for mobile wallet provisioning

A device, comprising:

• a network interface circuit enabling the device to exchange information over a network;
• an input/output coupled to the network interface circuit and configured to enable communication via the device;
• a data exchange circuit coupled to the network interface circuit and the input/output, the data exchange circuit configured to:
• receive, by the input/output, a request to provision a payment account to a mobile wallet associated with a mobile device that is separate and distinct from the device, the payment account provided by a financial institution;
• retrieve, by the network interface circuit, account information for the payment account from a computing system of the financial institution;
• receive, by the input/output via a short range communication with the mobile device, address information uniquely identifying the mobile wallet and authentication data regarding a user, the authentication data comprising biometric information associated with the payment account;
• and
• in response to authenticating the biometric information, initiate, by the network interface circuit, provisioning of the payment account to the mobile wallet by sending the address information and account information to a token service provider that is separate from the device, wherein the address information comprises a return address identifying a network location of the mobile wallet such that the return address is usable to transmit a payment token directly to the mobile device via the network different from the short range communication.

A computing system operated by a financial institution, the system comprising:

• a network interface circuit enabling the computing system to exchange information over a network;
• a customer database coupled to the network interface circuit, the customer database storing financial information for a plurality of customers;
• and
• an account management circuit coupled to the network interface circuit and the customer database, the account management circuit configured to:
• receive, by the network interface circuit, a request to provision a payment account to a mobile wallet associated with a mobile device via an initiating device that is separate and distinct from the mobile device, the payment account provided by the computing system;
• retrieve, using the customer database, account information for the payment account based on the request;
• receive, by the network interface circuit via a short range communication with the mobile device, address information uniquely identifying the mobile wallet and authentication data regarding a user, the authentication data comprising biometric information associated with the payment account;
• and
• in response to authenticating the biometric information, initiate, by the network interface circuit, provisioning of the payment account to the mobile wallet by sending the address information and account information to a token service provider that is separate from the initiating device, wherein the address information comprises a return address identifying a network location of the mobile wallet such that the return address is usable to transmit a payment token directly to the mobile device via the network different from the short range communication.