Method for providing a digital representation of a transaction card in a mobile device

A non-transitory computer-readable medium configured to be executed by a processor to perform a method for providing a digital representation of a transaction card in a mobile device, the non-transitory computer-readable medium comprising:

• instructions for detecting, by a near field communication unit of the mobile device, that the transaction card is in proximity of the mobile device;
• upon or after said detecting, instructions for performing, by a processing unit of the mobile device, the following steps:
• instructions for retrieving the digital representation of the transaction card from a digitization server;
• instructions for loading the digital representation of the transaction card into a memory of the mobile device;
• instructions for activating the digital representation of the transaction card for a predefined validity period as a temporary card;
• instructions for detecting a successful near field communication transaction;
• instructions for validating the digital representation of the transaction card after a successful near field communication transaction has been performed within the predefined validity period;
• instructions for converting the temporary card into a permanent card after the validation;
• and
• instructions for invalidating the digital representation of the transaction card after no successful near field communication transaction has been performed within the predefined validity period.

A mobile device, comprising a near field communication unit and a processing unit, wherein the near field communication unit is configured to detect that a transaction card is in proximity of the mobile device, and wherein the processing unit is configured to:

• retrieve a digital representation of the transaction card from a digitization server;
• load the digital representation of the transaction card into a memory of the mobile device;
• activate the digital representation of the transaction card for a predefined validity period as a temporary card;
• detecting a successful near field communication transaction;
• validate the digital representation of the transaction card after a successful near field communication transaction has been performed within the predefined validity period;
• convert the temporary card into a permanent card after the validation;
• and
• invalidate the digital representation of the transaction card if no successful near field communication transaction has been performed within the predefined validity period.