ISSUANCE, OBTAINING AND UTILIZATION OF PERSONALIZED DIGITAL END USER CREDENTIALS FOR USE IN ELECTRONIC TRANSACTIONS PERFORMED WITH A MOBILE DEVICE

摘要

The invention allows a digital version of a traditional plastic card. Personalized digital credentials for an end user are generated at an issuer unit. These credentials are for use in electronic transactions to be performed with a mobile device of the end user. An activation code and a trigger code associated with the generated personalized digital end user credentials are sent from the issuer unit to the mobile de- vice via a secured communications connection. An activation code entered by the end user and a unique device identifier associated with the mobile device and generated at the mobile device in response to the received trigger code are received from the mobile device. The received activation code and unique de- vice identifier are checked. The generated personalized digital end user credentials are sent from the issuer unit to the mobile device in response to a successful check.