Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements

US10515359B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Mehdi Collinge · Mont-Sainte-Aldegonde, BE
• Susan Thompson · Phoenixville, US
• Patrik Smets · Nijlen, BE
• David Anthony Roberts · Petworth, GB
• Michael Ward · San Francisco, US

Key dates

• Filing date: Mar 14, 2013
• Grant date: Dec 24, 2019
• Expiry date: Dec 12, 2035

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W12/35
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.