Secure element architectural services

A computer program product, comprising:

• a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computer cause the computer to enable an issuer system without an issuer-specific trusted services manager to allow users to securely store financial account information for use in a digital wallet application, the computer-readable program instructions comprising:
• computer-readable program instructions to receive, by one or more computing devices operated by an account services system and from an issuer system through a first interface designated for transmission of insecure information, a request to add a financial account maintained by the issuer system to a digital wallet application, the issuer system without an issuer-specific trusted services manager (“TSM”) required to securely add the financial account to the digital wallet application;
• computer-readable program instructions to receive, by the one or more computing devices operated by the account services system and from the issuer system through the first interface designated for transmission of insecure information, insecure financial account information, the insecure financial account information comprising an account identifier for the financial account;
• computer-readable program instructions to transmit, by the one or more computing devices operated by the account services system;
• the insecure financial account information to the digital wallet application for creation of a financial account record within the digital wallet application for the financial account, the financial account record comprising the account identifier;
• computer-readable program instructions to receive, by a partitioned add-on TSM module within an account services system TSM that is designated for the issuer system and from the issuer system through a second interface designated for transmission of secure information, secure financial account information;
• computer-readable program instructions to prepare, by the partitioned add-on TSM module within the account services system TSM that is designated for the issuer system, the secure financial account information for transmission to a secure element;
• and
• computer-readable program instructions to transmit, by the partitioned add-on TSM module within the account services system TSM that is designated for the issuer system, the prepared secure financial account information to the secure element.

A system to enable an issuer system without an issuer-specific trusted services manager to allow users to securely store financial account information for use in a digital wallet application, comprising:

• a storage device;
• and
• a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
• receive, by one or more computing devices operated by an account services system and from an issuer system through a first interface designated for transmission of insecure information, a request to add a financial account maintained by the issuer system to a digital wallet application, the issuer system without an issuer-specific trusted services manager (“TSM”) required to securely add the financial account to the digital wallet application;
• receive, by the one or more computing devices operated by the account services system and from the issuer system through the first interface designated for transmission of insecure information, insecure financial account information, the insecure financial account information comprising an account identifier for the financial account;
• transmit, by the one or more computing devices operated by the account services system;
• the insecure financial account information to the digital wallet application for creation of a financial account record within the digital wallet application for the financial account, the financial account record comprising the account identifier;
• receive, by a partitioned add-on TSM module within an account services system TSM that is designated for the issuer system and from the issuer system through a second interface designated for transmission of secure information, secure financial account information;
• and
• transmit, by the partitioned add-on TSM module within the account services system TSM that is designated for the issuer system, the prepared secure financial account information to the secure element.