Service activation using algorithmically defined key

A server computer comprising:

• a processor;
• and
• a tangible non-transitory computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising:
• receiving a request message from a mobile device to provision a previously issued account on the mobile device for conducting transactions;
• identifying that a user associated with the mobile device is authorized to provision the previously issued account on the mobile device;
• retrieving data associated with the user, wherein the data associated with the user was provided as part of a relationship between the user and the issuer, and wherein only the data associated with the user agreed to by the issuer and the service provider is retrieved;
• generating a first activation code by encrypting a first message block including the data associated with the user using a first key;
• and
• sending the first activation code to the mobile device, wherein the user sends the first activation code and the data associated with the user to the service provider computer, and the service provider computer generates a second message block, and decrypts the first activation code using a second key associated with the first key to obtain the first message block, and wherein the service provider computer provisions the account associated with the user to the mobile device in response to obtaining the first message block and determining that the first message block and the second message block match.

A method comprising:

• receiving, by a service provider computer, data associated with a user from a mobile device;
• receiving, by the service provider computer, a first activation code from the mobile device, the first activation code based on the data associated with the user, wherein the activation code was generated by an issuer computer when the user is identified as authorized to provision a previously issued account associated with the user to the mobile device, wherein the data associated with the user was provided to an issuer associated with the issuer computer as part of a relationship between the user and the issuer, and wherein only the data associated with the user agreed to by the issuer and the service provider was retrieved, wherein the first activation code was generated using a first message block;
• generating, by the service provider computer, a second message block;
• decrypting, by the service provider computer, the first activation code to obtain the first message block;
• and
• authorizing, by the service provider computer, the previously issued account associated with the user to be provisioned on the mobile device after decrypting the first activation code and determining that the first message block and the second message block match.

A service provider computer comprising:

• a processor;
• and
• a tangible non-transitory computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing the method comprising:
• receiving data associated with a user from a mobile device;
• receiving, by the service provider computer, a first activation code from the mobile device, the first activation code based on the data associated with the user, wherein the activation code was generated by an issuer computer when the user is identified as authorized to provision a previously issued account associated with the user to the mobile device, wherein the data associated with the user was provided to an issuer associated with the issuer computer as part of a relationship between the user and the issuer, and wherein only the data associated with the user agreed to by the issuer and the service provider was retrieved, wherein the first activation code was generated using a first message block;
• generating, by the service provider computer, a second message block;
• decrypting, by the service provider computer, the first activation code to obtain the first message block;
• and
• authorizing, by the service provider computer, the previously issued account associated with the user to be provisioned on the mobile device after decrypting the first activation code and determining that the first message block and the second message block match.