Methods and systems for provisioning mobile devices with payment credentials
摘要
Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.
申请公布号
AU2014306259(A1)
申请公布日期
2016.02.25
申请号
AU20140306259
申请日期
2014.08.08
申请人
VISA INTERNATIONAL SERVICE ASSOCIATION
发明人
WONG, ERICK;PIRZADEH, KIUSHAN;MAKHOTIN, OLEG;POWELL, GLENN;KARPENKO, IGOR;SHEETS, JOHN;LIU, FREDERICK