US 9,516,487 B2Granted

Automated account provisioning

AssigneeVisa International Service Association

InventorsGlenn Leon Powell, John F. Sheets, Igor Karpenko

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Abstract

Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.

Claims14

Dependent claims

A method comprising:

receiving, by a mobile communication device, an information request message from an issuer server computer thereby initiating provisioning of a payment account on the mobile communication device without a user interacting with the mobile communication device, wherein the issuer server computer is associated with an issuer that issued the payment account to the user;
automatically determining, by the mobile communication device, provisioning information associated with a secure memory in response to the information request message and without input of the user operating the mobile communication device;
generating, by the mobile communication device, a provisioning request message including the provisioning information;
sending, by the mobile communication device, the provisioning request message including the provisioning information to a provisioning system or the issuer server computer;
receiving, by the mobile communication device, a provisioning response message including provisioning data from the provisioning system, wherein the provisioning data is generated using the provisioning information associated with the secure memory;
and
storing, by the mobile communication device, the provisioning data in the secure memory, wherein the provisioning data associates the mobile communication device with the payment account.

4 more elements

A mobile communication device comprising:

a secure memory;
a processor, and
a non-transitory computer readable medium coupled to the processor, the computer readable medium comprising code, that when executed by the processor, causes the processor to:
receive an information request message from an issuer server computer thereby initiating provisioning of a payment account on the mobile communication device without a user interacting with the mobile communication device, wherein the issuer server computer is associated with an issuer that issued the payment account to the user;
automatically determine provisioning information associated with the secure memory in response to the information request message and without input of the user operating the mobile communication device;
generate a provisioning request message including the provisioning information;
send the provisioning request message including the provisioning information to a provisioning system or the issuer server computer;
receive a provisioning response message including provisioning data from the provisioning system, wherein the provisioning data is generated using the provisioning information associated with the secure memory;
and
store the provisioning data in the secure memory, wherein the provisioning data associates the mobile communication device with the payment account.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/546,955Filed 18 Nov 2014 · us provisional application
Priority: 19 Nov 2013
Published: US 2015/0140960 A121 May 2015
Granted: 6 Dec 2016
Term ends: Not estimatedThe source records don’t support an estimate.

Classification26 codes

G06Q 20/326
Using wireless devices: payment applications installed on the mobile devices
G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…
G06Q 20/322
Using wireless devices: aspects of commerce using mobile devices [M-devices]
G06Q 20/3221
Aspects of commerce using mobile devices [M-devices]: access to banking information through M-devices