Secure account provisioning

摘要

A mobile payment system and method are described that facilitates the secure and real time user authentication and activation of a mobile payment account for a user portable electronic device over a communications network.

主权项

1. A mobile payment account management system for providing a mobile payment account associated with a portable electronic device to enable contactless payment at an electronic point of sale using a wallet application module on the portable electronic device, the system comprising one or more processors configured to:
receive a request from the wallet application module on the portable electronic device, to create a mobile payment account, the request including data identifying the portable electronic device and an associated user; create a mobile payment account associated with the portable electronic device based on data received in the request, wherein the created mobile payment account includes data identifying a one-time activation servicing state of the mobile payment account as:
a first inactive state of the mobile payment account indicating that the associated user must be verified by the account management system,a second inactive state of the mobile payment account indicating that the mobile wallet application must be configured for user access security, and thenan active state of the mobile payment account indicating that the user is verified and user access security is configured; transmit data identifying the created mobile payment account to the wallet application module on the portable electronic device, wherein the activation servicing state of the mobile payment account is initially set to the first inactive state; receive, from the portable electronic device, a user validation response, verifying the identity of the associated user based on the received validation response, and in response, set the activation servicing state of the mobile payment account to the second inactive state; and receive data indicating that user access security has been configured for the mobile wallet application, and in response set the activation servicing state of the mobile payment account to the active state, whereby the wallet application module is enabled for contactless payment for future transactions with multiple merchants using the activated mobile payment account.