Methods and systems for provisioning mobile devices with payment credentials

US12361409B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Erick Wong · Menlo Park, US
• Kiushan Pirzadeh · Foster City, US
• Oleg Makhotin · Paris, FR
• Glenn Powell · Fremont, US
• Igor Karpenko · Sunnyvale, US
• John F. Sheets · San Francisco, US
• Frederick Liu · Oakland, US

Key dates

• Filing date: Jun 16, 2022
• Grant date: Jul 15, 2025
• Expiry date: Jul 6, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.