Patent ID: 9516487
Filing Date: 2016-12-06
CPC Classification: G06Q,H04L,H04M,H04W

Claim Text:
1. A method comprising: receiving, by a mobile communication device, an information request message from an issuer server computer thereby initiating provisioning of a payment account on the mobile communication device without a user interacting with the mobile communication device, wherein the issuer server computer is associated with an issuer that issued the payment account to the user; automatically determining, by the mobile communication device, provisioning information associated with a secure memory in response to the information request message and without input of the user operating the mobile communication device; generating, by the mobile communication device, a provisioning request message including the provisioning information; sending, by the mobile communication device, the provisioning request message including the provisioning information to a provisioning system or the issuer server computer; receiving, by the mobile communication device, a provisioning response message including provisioning data from the provisioning system, wherein the provisioning data is generated using the provisioning information associated with the secure memory; and storing, by the mobile communication device, the provisioning data in the secure memory, wherein the provisioning data associates the mobile communication device with the payment account.