Patent ID: 9552574
Date: 2017-01-24
CPC Classifications: G06Q

Claim:
1. A method for issuing a temporary payment account to a customer mobile device, comprising: receiving, by an over-the-air (“OTA”) processor from an issuer computer, a request to provision a temporary payment account to a customer's mobile device, the request including customer data and a temporary primary account number (“temporary PAN”); mapping, by the OTA processor, the temporary PAN to a mobile PAN; storing, by the OTA processor, the temporary PAN in a mapping database; generating, by the OTA processor, a software package comprising a payment application and the mobile PAN; and transmitting, by the OTA processor using the customer data, the software package over-the-air (OTA) to the customer's mobile device, the software package for personalizing the customer's mobile device with the mobile PAN enabling use of the customer's mobile device to utilize the temporary PAN to complete payment transactions shortly after the OTA processor receives the request and until the issuer computer provisions an actual PAN to the customer's mobile device.