Patent ID: 9542673
Date: 2017-01-10
CPC Classifications: G06Q

Claim:
1. A method for provisioning a prepaid mobile payment staging account comprising: receiving, by a staging account provider computer from a provisioning service computer, a request to provision a prepaid mobile payment staging account in a prepaid financial institution for a cardholder's mobile device, wherein the request includes a funding account primary account number (PAN) of the cardholder's financial account held by a primary issuer and a mobile device identifier; determining, by the staging account provider computer based on the funding account PAN, that a user interface agreement exists comprising user interface and digital wallet definitions; generating, by the staging account provider computer, a mobile staging account PAN associated with the prepaid financial institution and associating the mobile staging account PAN with the funding account PAN of the primary issuer; transmitting, by the staging account provider computer to the provisioning service computer, a personalization request to personalize a mobile staging account payment application for the cardholder's mobile device, wherein the personalization request includes the user interface and digital wallet definitions, the mobile staging account PAN, the mobile device identifier, and account description data; receiving, by the staging account provider computer, a status confirmation message from the provisioning service computer indicating that the mobile staging account payment application has been personalized and loaded onto the cardholder's mobile device; and transmitting, by the staging account provider computer to the primary issuer of the cardholder's financial account, a mobile staging account initialization message that includes the mobile staging account PAN confirming provisioning of the prepaid mobile payment staging account to the cardholder's mobile device.