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US 11,694,180 B2Granted
Enrollment and registration of a device in a mobile commerce system
AssigneeFirst Data Corporation
InventorsSteven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg
Life of this patent
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Abstract
Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
Claims18
A mobile wallet system for provisioning a mobile wallet, comprising:
- a communications interface that is in communication with at least one network;
- at least one processor;
- and
- a memory device having instructions stored thereon which, when executed by the at least one processor cause the at least one processor to:
- access, via a wireless network, a web service of a financial institution via a web browser of a mobile device responsive to an initiation request from a user to register the mobile device:
- receive, via the wireless network, a redirection from the web service;
- connect to an acquirer system, responsive to the redirection;
- receive, from the acquirer system and responsive to the connection thereto, enrollee data associated with the user, wherein the enrollee data comprises registration information associated with the user and mobile device specification information comprising a device identifier associated with the mobile device of the user;
- compare the device identifier to an approved list of compatible device identifiers;
- determine that the mobile wallet can be provisioned on the mobile device upon determining that the device identifier of the mobile device is included in the approved list of compatible device identifiers;
- determine whether the mobile wallet has been previously provisioned on the mobile device based on the registration information associated with the user;
- retrieve a set of previously provisioned mobile wallet information for the mobile device upon determining that the mobile device had been previously provisioned with the mobile wallet or create the mobile wallet upon determining that the mobile wallet was not previously provisioned on the mobile device;
- send a wireless provisioning message to the mobile device via the at least one network in response to retrieving the set of previously provisioned mobile wallet information or creating the mobile wallet;
- receive a wireless confirmation message from the mobile device comprising a credential associated with the user of the mobile device;
- and
- provision the mobile wallet to the mobile device via the at least one network upon authenticating the user based on the credential received in the wireless confirmation message.
13 more elements
A method for provisioning a mobile wallet, comprising:
- accessing, by a mobile wallet system via a wireless network, a web service of a financial institution via a web browser of a mobile device responsive to an initiation request from a user to register the mobile device;
- receiving, by the mobile wallet system via the wireless network, a redirection from the web service;
- connecting, by the mobile wallet system, to an acquirer system, responsive to the redirection;
- receiving, from the acquirer system and, by the mobile wallet system, enrollee data associated with the user, wherein the enrollee data comprises registration information associated with the user and mobile device specification information comprising a device identifier associated with the mobile device of the user, responsive to the connection;
- comparing, by the mobile wallet system, the device identifier to an approved list of compatible device identifiers;
- determining that the mobile wallet can be provisioned on the mobile device upon determining that the device identifier of the mobile device is included in the approved list of compatible device identifiers;
- determining, by the mobile wallet system, whether the mobile wallet has been previously provisioned on the mobile device based on the registration information associated with the user;
- retrieving, by the mobile wallet system, a set of previously provisioned mobile wallet information for the mobile device upon determining that the mobile device had been previously provisioned with the mobile wallet or create the mobile wallet upon determining that the mobile wallet was not previously provisioned on the mobile device;
- sending, by the mobile wallet system, a wireless provisioning message to the mobile device via at least one network in response to retrieving the set of previously provisioned mobile wallet information or creating the mobile wallet;
- receiving, by the mobile wallet system, a wireless confirmation message comprising a credential associated with the user of the mobile device;
- and
- provisioning, by the mobile wallet system, the mobile wallet to the mobile device via the at least one network upon authenticating the user based on the credential received in the wireless confirmation message.
9 more elements
A non-transitory machine-readable medium having stored thereon a series of instructions which, when executed by one or more processors of a mobile wallet system, cause the one or more processors to perform a method comprising:
- accessing, via a wireless network, a web service of a financial institution via a web browser of a mobile device responsive to an initiation request from a user to register the mobile device:
- receiving, via the wireless network, a redirection from the web service;
- connecting to an acquirer system, responsive to the redirection;
- receiving, from the acquirer system and responsive to the connection thereto, enrollee data associated with the user, wherein the enrollee data comprises registration information associated with the user and mobile device specification information comprising a device identifier associated with the mobile device of the user;
- comparing the device identifier to an approved list of compatible device identifiers;
- determining that a mobile wallet can be provisioned on the mobile device upon determining that the device identifier of the mobile device is included in the approved list of compatible device identifiers;
- determining whether the mobile wallet has been previously provisioned on the mobile device based on the registration information associated with the user;
- retrieving a set of previously provisioned mobile wallet information for the mobile device upon determining that the mobile device had been previously provisioned with the mobile wallet or create the mobile wallet upon determining that the mobile wallet was not previously provisioned on the mobile device;
- sending a wireless provisioning message to the mobile device via at least one network in response to retrieving the set of previously provisioned mobile wallet information or creating the mobile wallet;
- receiving a wireless confirmation message from the mobile device comprising a credential associated with the user of the mobile device;
- and
- provisioning the mobile wallet to the mobile device via the at least one network upon authenticating the user based on the credentials received in the wireless confirmation message.
9 more elements
Dependencies are inferred from the claim text.