In-market personalization of payment devices

摘要

Systems and methods for remotely personalizing payment devices for consumers are described. In an embodiment, a system includes a MOTAPS server computer that provides data preparation functions and a trusted service provider (TSP) personalization server computer. The system also includes a service provider computer operably coupled to the TSP personalization server computer, and a remote personalization device (RPD) operably coupled to the service provider computer. The RPD transmits personalization requests, receives personalization data, and personalizes a payment device before providing the personalized payment device to a consumer.

主权项

1. A system for remotely personalizing payment devices for consumers, comprising:
a Mobile Over-the-Air Provisioning Service (MOTAPS) server computer; a trusted service provider (TSP) personalization server computer operatively coupled to the MOTAPS server computer, the TSP personalization server computer receiving personalization data from the MOTAPS server computer and transmitting personalization data and instructions; a hardware security module (HSM) operatively coupled to the TSP personalization server computer; an issuer server computer operably coupled to at least one of the MOTAPS server computer and the TSP personalization server computer; a service provider server computer operably coupled to the TSP personalization server computer; and a remote personalization device (RPD) operably coupled to the service provider server computer, the RPD receiving a request from a consumer to provide a personalized payment device to the consumer; and wherein the TSP personalization server:
receives a personalization request from the RPD via the service provider server computer;requests personalization data from the issuer server computer;transmits commands to the RPD via the service provider server computer to obtain payment device data to identify an issuers' personalization key and to obtain diversification data for generating a diversified personalization key;receives the requested payment device data and diversification data from the RPD via the service provider server computer;generates, in concert with the HSM, session keys and converts data from the MOTAPS server computer into a payment device application process data unit (ADDU);transmits the ADDU and personalization data via the service provider server computer to the RPD for loading onto a payment device associated with the RPD; andreceives a response from the RPD via the service provider server computer confirming that the payment device has been personalized.