Service activation using algorithmically defined key

摘要

Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

主权项

1. A method comprising:
receiving, by an issuer computer, a request message from a mobile device to provision a previously issued account on the mobile device for conducting transactions; identifying, by the issuer computer, that a user associated with the mobile device is authorized to provision the previously issued account on the mobile device; retrieving, by the issuer computer, data associated with the user, wherein the data associated with the user was provided as part of a relationship between the user and the issuer, and wherein only the data associated with the user agreed to by the issuer and the service provider is retrieved; generating, by the issuer computer, a first activation code by encrypting a first message block including the data associated with the user using a first key; and sending, by the issuer computer, the first activation code to the mobile device, wherein the user sends the first activation code and the data associated with the user to the service provider computer, and wherein the service provider computer generates a second message block, and decrypts the first activation code using a second key associated with the first key to obtain the first message block, and wherein the service provider computer provisions the account associated with the user to the mobile device in response to obtaining the first message block and determining that the first message block and the second message block match.