Mobile Payment Account Provisioning via POS Personalization Server
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Solution Overview
Problem
The process of personalizing mobile devices for contactless payments is often time-consuming and inconvenient for consumers, particularly due to the complexity of over-the-air (OTA) personalization processes, which can take over twenty minutes and is difficult for consumers to navigate.
Innovation Solution
A point-of-sale (POS) centric personalization process that allows for the provisioning of payment accounts on mobile devices during purchase, enabling retailers to facilitate the process through a connection between the mobile device and a POS terminal, using a personalization server to manage the process and communicate with financial institutions, thereby simplifying and expediting the setup.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If over-the-air (OTA) personalization process is used to provision payment accounts on mobile devices, then consumers can personalize devices in their possession, but the process becomes time-consuming (over twenty minutes) and inconvenient
Solution Approach 1:
The patent performs payment account provisioning in advance during the mobile device purchase transaction at the point-of-sale terminal. The personalization server receives device information from the POS terminal and provisions the payment account before the consumer leaves the store, eliminating the need for time-consuming OTA personalization later. This preliminary action resolves the contradiction by completing the personalization process during the existing purchase workflow.
Solution Approach 2:
The patent introduces a personalization server as an intermediary between the point-of-sale terminal and the mobile device. The personalization server automates the provisioning process by receiving device information from the POS terminal, communicating with financial institutions, and directly provisioning payment accounts on the mobile device. This intermediary automates complex steps that would otherwise require consumer interaction, reducing both time and complexity.
2Productivity
If automated personalization process is used for contactless payment cards, then the process is efficient and standardized, but mobile telephones with multiplicity of form factors cannot be readily subjected to the same process
Solution Approach 1:
The patent implements a dynamic personalization process that adapts to different mobile device types and form factors. The personalization server receives device information from the POS terminal and automatically adjusts the provisioning process based on the specific device characteristics. This dynamic approach maintains high productivity by automating the process while simultaneously achieving versatility by accommodating various device types without requiring manual intervention.
Solution Approach 2:
The patent creates a universal personalization system that can provision payment accounts on multiple types of mobile devices with different form factors. The system uses a standardized interface at the POS terminal that works across different device types, making the personalization process universally applicable while maintaining efficiency through automation. The personalization server handles device-specific variations internally, presenting a uniform process to consumers and retailers.
Data Source
AI summary
Methods and apparatus for provisioning a payment account on a mobile device at a location such as a retail store in conjunction with a purchase. A method includes a personalization server computer receiving payment account information of a consumer and a mobile payment account information request message from a merchant device, the message including information identifying the make and model of a mobile device being considered for purchase and a mobile network operator (MNO) identifier. The personalization server computer verifies the payment account information, determines a provisioning response message that includes information identifying at least one provisioning option, and transmits the provisioning response message to the merchant device for presentation to the consumer.