Mobile Wallet Provisioning via ATM or Banker-Assisted Device
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Solution Overview
Problem
Existing mobile wallet provisioning methods require users to manually input payment information and perform multiple steps on their mobile devices, which is inconvenient and time-consuming.
Innovation Solution
A method and system that allows provisioning of payment accounts to a mobile wallet from a separate initiating device, such as an ATM or banker's computer, which communicates with the user's mobile device to initiate the provisioning process, reducing the need for manual input on the mobile device.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manually input payment information on their mobile devices, then payment account provisioning can be completed, but the process becomes time-consuming and inconvenient
Solution Approach 1:
The system performs preliminary actions by having users input payment information once at a kiosk or through a bank employee, who then provisions the mobile wallet account in advance. This eliminates the need for users to re-enter information later, reducing provisioning time while ensuring reliable account setup.
Solution Approach 2:
A bank employee or kiosk system acts as an intermediary between the payment network and the user's mobile device. The intermediary receives payment information from the user once, processes the provisioning through the payment network, and delivers the configured mobile wallet account to the user, eliminating repeated manual input.
2Reliability
If users manually enter credit card information multiple times, then provisioning can be accomplished, but user convenience deteriorates
Solution Approach 1:
The system performs the cumbersome information entry task in advance through a dedicated kiosk or assisted channel where users input their payment information once under guided conditions. The mobile wallet is then pre-configured and delivered ready-to-use, maintaining provisioning accuracy while dramatically improving convenience.
Solution Approach 2:
The system enables self-service provisioning through automated kiosks that guide users through a single information entry process. The kiosk automatically communicates with the payment network and provisions the mobile wallet without requiring repeated user interaction, making the process both accurate and convenient.
3Reliability
If multiple provisioning steps are required on mobile devices, then account security can be maintained, but process complexity increases
Solution Approach 1:
The system extracts the complex multi-step provisioning process from the mobile device and relocates it to a kiosk or bank employee system. The mobile device's role is reduced to simple actions like scanning a QR code or entering a provisioned account number, while the complex security verification and account setup steps are performed externally by the provisioning system.
Solution Approach 2:
A provisioning system acting as an intermediary handles the complex security verification, payment network communication, and account configuration steps. The intermediary receives simple input from the user's mobile device, performs the necessary complex operations securely, and completes the provisioning without requiring the user to navigate multiple complex steps on their device.
Data Source
AI summary
A method for initiating a provisioning of a payment account to a mobile wallet includes generating, by a provider computing system on an initiating device, a user interface configured to initiate the provisioning of one or more payment accounts; receiving, by the provider computing system via the user interface, authentication information, wherein the authentication information authenticates a user associated with the mobile wallet; retrieving, by the provider computing system and based on the authentication information, account information associated with the user regarding one or more eligible payment accounts for provisioning; displaying, by the provider computing system via the user interface, a list of the one or more eligible payment accounts provisioning; and receiving, by the provider computing system via the user interface, a selection of the payment account from the list for provisioning to the mobile wallet.