Issuer-Initiated Mobile Account Provisioning via Secure Element
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current provisioning systems for mobile devices require user interaction and access to secure element information, which can be cumbersome for non-technical users and limit issuers' ability to provision accounts without third-party involvement.
Innovation Solution
An issuer-initiated provisioning system that allows secure communication of financial account information directly to a mobile device's secure element, enabling provisioning without user input by sending a provisioning request message that includes necessary information and an authorization code, which is validated by the provisioning system.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If conventional provisioning systems require user interaction to request provisioning, then user control and authorization are maintained, but the process becomes onerous and difficult for non-technical users
Solution Approach 1:
The mobile device automatically gathers provisioning information and sends requests without user interaction. The device self-services the provisioning process by autonomously communicating with the provisioning system, eliminating the need for user requests while maintaining security through pre-configured authorization.
Solution Approach 2:
Authorization codes and device identifiers are pre-configured in the mobile device before provisioning is needed. This preliminary setup allows the device to automatically initiate provisioning requests without requiring user input at the time of provisioning, resolving the contradiction between ease of operation and automation.
2Productivity
If issuers want to provision accounts for customers without user interaction, then provisioning efficiency is improved, but access to secure element information is required which issuers don't have
Solution Approach 1:
The provisioning information, including device identifiers and authorization codes, is extracted from the mobile device's secure element and transmitted to the provisioning system. This allows the provisioning process to proceed without the issuer needing direct access to the secure element, while still enabling automated provisioning for improved efficiency.
Solution Approach 2:
The mobile device acts as an intermediary between the secure element and the provisioning system. It gathers the necessary provisioning information from the secure element and communicates it to the provisioning system, eliminating the need for issuers to directly access secure element information while maintaining provisioning efficiency.
3Reliability
If conventional systems require interaction with third parties like mobile network operators to obtain secure element information, then comprehensive provisioning is achieved, but communication complexity and coordination requirements increase
Solution Approach 1:
The mobile device extracts and transmits the necessary provisioning information directly to the provisioning system without requiring intermediate communication with third parties like mobile network operators. This reduces communication complexity while maintaining provisioning completeness by obtaining all necessary information through direct device-to-system communication.
Data Source
AI summary
Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.