Mobile payment application provisioning and personalization on a mobile device
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United States of America Patent
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Mar 5, 2019
Grant Date -
Mar 12, 2015
app pub date -
Sep 9, 2014
filing date -
Sep 10, 2013
priority date (Note) -
In Force
status (Latency Note)
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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.
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