Mobile payment application provisioning and personalization on a mobile device
US10223694B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 9, 2014 |
| Grant date | Mar 5, 2019 |
| Priority date | — |
| Expiry date | Jun 12, 2036 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/3552
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.