Centralized Mobile Payment Provisioning Without Issuer Communication
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Solution Overview
Problem
Current mobile contactless transaction systems are inefficient due to unnecessary communication between payment processing networks and issuers during account provisioning on mobile devices, and they expose sensitive information to malicious parties through interactions with third-party trusted service managers.
Innovation Solution
A central entity provisions and personalizes mobile payment applications on mobile devices by decrypting encrypted account information using a secure element key, allowing account provisioning without interacting with the issuer and reducing exposure of sensitive information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional TSM providers are used for provisioning and personalization of mobile payment application, then the account can be provisioned on mobile device, but communication overhead increases and sensitive account information is exposed to malicious parties
Solution Approach 1:
The patent extracts the provisioning and personalization functions from third-party TSM providers and consolidates them into a centralized provisioning server. This eliminates the need for mobile devices to interact with multiple external TSM entities, thereby reducing communication overhead and minimizing exposure of sensitive information to external parties while maintaining provisioning capabilities.
Solution Approach 2:
The patent merges the provisioning server functionality into a centralized entity that handles both provisioning and personalization tasks. By combining these functions and consolidating communication channels, the system reduces the number of interaction points with external entities, thereby enhancing security and reducing communication overhead.
2Productivity
If issuer verification process is followed for account provisioning, then account security is maintained, but provisioning process becomes inefficient with unnecessary communication
Solution Approach 1:
The patent implements preliminary action by having the centralized provisioning server pre-validate account activation codes using securely stored validation data from issuers before provisioning. This pre-validation mechanism eliminates the need for real-time issuer communication during the provisioning process, thereby maintaining security while significantly improving provisioning efficiency and reducing time loss.
Solution Approach 2:
The centralized provisioning server acts as an intermediary that maintains secure validation data from issuers. This intermediary can verify account activation codes locally without requiring direct communication between the payment processing network and issuers during provisioning, thereby eliminating unnecessary communication steps while maintaining verification security.
Data Source
AI summary
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.