Systems and methods for an issuer certified card

摘要

The present solution is directed to an architecture and a process for registering cards for use, such as bank cards, credit cards, loyalty cards, club cards, or any other card that is configured to carry data or monetary value. The solution provides safe and fast means for registering the card in a mobile computing environment. The system enables a card issuer to unambiguously identify an end user—for example, by one or two factor authentication. Responsive to the identification of the end user by the system, a 2D code that encodes the data needed for registration of the card is presented to the user. The data can be encrypted and the method of delivery to the user can be selected by user or the card issuer. With a mobile application, the user scans the presented 2D code. The mobile application transmits the data of the 2D code to the server, which decrypts and verifies the data. Responsive to decrypting and verifying the data, the card of the card holder is registered. In some implementations, the user may also wish to register the card with an e-wallet application on their mobile devices, such that the user may use the card from the mobile device at a later date.

主权项

1. A method for providing registration of a card of a card holder via a two-dimension code, the method comprising:
(a) identifying, by a server providing registration of cards of card holders, a card holder of a card; (b) generating, by the server, a two-dimension (2D) code encoded with registration information for the card of the card holder, at least a portion of the registration information encrypted via asymmetric encryption, wherein the server generates for the 2D code a motion code comprising a sequence of a plurality of 2D codes to be displayed at a frequency, each of the plurality of 2D codes encoded with a portion of the registration information; and (c) transmitting, by the server, to a device of the card holder, the 2D code to provide to the server for registration of the card.