Patent ID: 9160734
Filing Date: 2015-10-13
Classification: G06F,G06Q,H04L,H04W

Abstract:
1. A method comprising: receiving, by an issuer computer, a request message from a mobile device to provision a previously issued account on the mobile device for conducting transactions; identifying, by the issuer computer, that a user associated with the mobile device is authorized to provision the previously issued account on the mobile device based on issuer-specified criteria established by an issuer associated with the issuer computer; retrieving, by the issuer computer, data associated with the user and a shared data element shared between the issuer computer and a service provider computer, wherein the data associated with the user was provided as part of a relationship between the user and the issuer, and wherein only the data associated with the user agreed to by the issuer and the service provider is retrieved; generating, by the issuer computer, a first activation code by the issuer computer, the first activation code based on the data associated with the user and the shared data element; and sending, by the issuer computer, the first activation code to the mobile device, wherein the user sends the first activation code and the data associated with the user to the service provider computer, the service provider computer generates a second activation code based on the data associated with the user and the shared data element, and the service provider computer provisions the account associated with the user to the mobile device when the first and second activation codes are the same.