Source: https://patents.google.com/patent/US9767452B2/en
Timestamp: 2019-03-18 20:10:14
Document Index: 641932476

Matched Legal Cases: ['Application No. 2', 'Application No. 2009282041', 'Application No. 12846583', 'Application No. 09', 'Application No. 10', 'Application No. 09', 'Application No. 12846583', 'Application No. 07836358', 'Application No. 200980140368', 'Application No. 07836358', 'Application No. 10', 'Application No. 13780892', 'Application No. 15165149', 'Application No. 12846583', 'Application No. 2009282041', 'Application No. 200980157050', 'Application No. 15165149', 'Application No. 200980140368', 'Application No. 2', 'Application No. 2', 'Application No. 200980157050', 'Application No. 12846583', 'Application No. 200980157050']

US9767452B2 - Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device - Google Patents
US9767452B2
US9767452B2 US13/669,346 US201213669346A US9767452B2 US 9767452 B2 US9767452 B2 US 9767452B2 US 201213669346 A US201213669346 A US 201213669346A US 9767452 B2 US9767452 B2 US 9767452B2
US13/669,346
US20130124349A1 (en
2012-11-05 Application filed by Mastercard International Inc filed Critical Mastercard International Inc
2012-11-05 Priority to US13/669,346 priority patent/US9767452B2/en
2013-05-16 Publication of US20130124349A1 publication Critical patent/US20130124349A1/en
2013-06-04 Assigned to VIVOTECH, INC. reassignment VIVOTECH, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: SINGH, DICKEY B.
2013-06-04 Assigned to MASTERCARD INTERNATIONAL INCORPORATED reassignment MASTERCARD INTERNATIONAL INCORPORATED ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: MARTIN, PHILIPPE, KHAN, MOHAMMAD, KUMAR, PRADEEP
2013-06-04 Assigned to VIVOTECH (ASSIGNMENT FOR THE BENEFIT OF CREDITORS), LLC reassignment VIVOTECH (ASSIGNMENT FOR THE BENEFIT OF CREDITORS), LLC ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: VIVOTECH, INC.
2013-06-04 Assigned to MASTERCARD INTERNATIONAL INCORPORATED reassignment MASTERCARD INTERNATIONAL INCORPORATED ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: VIVOTECH (ASSIGNMENT FOR THE BENEFIT OF CREDITORS), LLC
2017-09-19 Publication of US9767452B2 publication Critical patent/US9767452B2/en
The present application claims the benefit of U.S. Provisional Patent Application Ser. No. 61/555,279, filed Nov. 3, 2011, the disclosure of which is incorporated herein by reference in its entirety.
At present, consumers may carry several plastic payment and non-payment cards associated with various business and non-business entities in their physical wallets. Exemplary physical cards include plastic credit cards, debit cards, charge cards, prepaid cards, check cards, loyalty cards, offers, vouchers, coupons, transit tickets, entertainment tickets, stored value tickets, driver's licenses, passports, identification cards, travel documents, automobile insurance cards, club membership cards, and the like. In order to reduce the number of physical cards carried by a consumer, a card issuer can offer a physical account card that includes a combination of both its brand card and at least one other card type, such a merchant specific payment card, a merchant specific loyalty card, a transit card, and the like. For example, one wholesale club merchant offers a plastic card that combines an executive member loyalty account number (e.g., a merchant membership card) with a credit card account number (e.g., a branded credit card) on the same physical card. Such a dual purpose card can be readily issued with a plastic card.
In order to reduce the number of physical cards that are carried, many consumers have instead provisioned their mobile devices with soft card versions (i.e., virtual representation that includes associated credentials) of the aforementioned physical cards for their convenience. This option enables consumers to use one or more separate individual soft cards at a particular merchant or non-merchant location based on a number of factors, such as current promotions, card acceptance, card preferences, and loyalty programs. For instance, a user may use each of an electronic coupon, an electronic loyalty card, and a payment card at a store. However, each of these three soft cards is used separately in sequence (i.e., three separate taps on a wireless device reader) during a single wireless transaction. Although the issuing of a dual purpose soft card is desirable, communication and compatibility problems can arise when utilizing a soft card version. Notably, the interfacing of a dual purpose card with a near field communication (NFC) enabled mobile device may be prohibitive since the protocols and message formats used for a branded credit card (e.g., an open loop card) may differ from the protocols and message formats associated with a merchant specific card (e.g., a closed loop card).
As used herein, the terms “mobile device”, “wireless mobile device” and “NFC enabled mobile device” may refer to any device with near field communication (NFC), radio frequency (RF) communication, and/or barcode capturing capabilities. One exemplary mobile device includes a mobile smart phone, i.e. a cellular smart phone. In near field communication, a mobile device may wirelessly communicate with a passive wireless transceiver, or smart tag, located on or in the smart poster via inductive coupling of the smart tag antenna to the NFC enabled mobile device antenna. The wireless mobile device may also communicate via NFC with a wireless device reader in a similar fashion (i.e., via inductive coupling). As used herein, the term “wireless communications” may include communications conducted at ISO 14443 and ISO 18092 interfaces. Namely, wireless communications over an NFC link may be established using a card emulation mode (e.g., in accordance with ISO 14443) or a peer to peer mode (e.g. in accordance with ISO 18092) of communication. These specifications define communication protocols for wireless smart devices operating in close proximity with a reader antenna. In one embodiment, wireless communications can communicate applications that are uniquely identified by an application identifier (AID), defined by the ISO/IEC 7816 specification. Application to terminal interface requirements are also defined in book 4 of the Europay MasterCard Visa (EMV) 4.2 specification. Wireless communications may also include communications via Bluetooth, WiFi, or WiMax.
FIG. 1 is a block diagram illustrating an exemplary system for provisioning and utilizing an aggregated soft card on a mobile device according to an embodiment of the subject matter described herein; and
FIG. 2 is a flow chart illustrating an exemplary process for provisioning and utilizing an aggregated soft card on a mobile device according to an embodiment of the subject matter described herein.
The present subject matter describes various methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device. In one embodiment, the present subject matter includes an issuer server, such as a service provider trusted service manager (SP-TSM) server, receives a request from a mobile device for an aggregated soft card. As used herein, the term “soft card” is intended to include an electronic and/or virtual based application or applet that includes credential, authentication, and account information to conduct a wireless payment or non-payment transaction (e.g., a virtual credit card) that may be visually displayed on a mobile device screen. A soft card may be electronically provisioned on a mobile device (i.e., not a plastic card). Similarly, as used herein, the term “aggregated soft card” is intended to comprise a combination of two or more electronic/virtual cards (i.e., component soft cards) that are logically linked as a single aggregated soft card that is depicted/displayed on a mobile device as a single visual representation (e.g., an icon, symbol, image, graphic, displayed name, etc.). In one embodiment, an aggregated soft card is offered by a card issuing entity that may want to offer a soft card under its brand while being coupled with at least one other type of soft card. Some aggregated soft card combinations include, but are not limited to, i) a merchant soft card and a branded (e.g., a Mastercard) soft card, ii) a branded soft card and a merchant loyalty soft card, iii) a branded soft card and a transit soft card, and iv) a merchant prepaid soft card and a branded soft card.
FIG. 1 depicts a system 100 configured for provisioning and utilizing an aggregated soft card on a mobile device. System 100 may include a mobile device 102, a secure element trusted service manager (SE-TSM) server 104, a service provider trusted service manager (SP-TSM) server 106, a plurality of soft card issuing system servers 108-112, a wireless device reader 114, and a point of sale terminal 116 (or any other type of payment or non-payment transaction terminal). Mobile device 102 may include an NFC module 120, mobile wallet application 118, memory 128, and a secure element 122, which may comprise a universal integrated circuit card (UICC), a secure add-on memory card, an embedded secure element integrated chipset, a SIM card, a microSD card, a trust zone, or the like. In one embodiment, secure element 122 may be configured to securely store one or more soft cards and/or aggregated soft cards.
In one embodiment, wireless reader device 114 may be used to define a list of application identifiers (i.e., “App IDs” or “AIDs”) that identify transaction applications (i.e., soft cards) a merchant entity prefers and is willing to accept in a wireless transaction (i.e., applications that are compatible with wireless reader device 114). Although the following description details purchase/payment transactions, non-payment transactions may be conducted in a similar manner without departing from the scope of the present subject matter. Non-payment transactions may include, without limitation, use of applications for loyalty cards, loyalty points, coupons, ordering information, promotions, personal preferences, personalized data, product return information, ticket redemption, and/or any other suitable application or combinations thereof used to conduct a non-payment transaction at point of sale terminal 116.
In one embodiment, mobile device 102 may be configured to request an aggregated soft card from SP-TSM 106 (either directly or via a trigger management server (TMS) configured to receive and route requests to SP-TSM 106). In one embodiment, mobile device 102 may send the aggregated soft card request to SP-TSM 106 by obtaining the backend server address information (e.g., a uniform resource locator (URL) or a uniform resource identifier (URI) from a smart poster, a smart tag, a bar code, a quick response (QR) code, or the like. The aggregated soft card request may include the SP-TSM address information, aggregated soft card identification information, and/or mobile subscriber identification information (associated with the mobile subscriber and/or mobile device 102). In one embodiment, mobile device 102 may include an NFC module 120 that is configured to obtain the address information by conducting NFC communications with other NFC enabled devices such as a smart tag, smart poster, or wireless device reader 106. In one embodiment, NFC module 120 may be embodied either as a hardware based radio chipset or a software based module executed by a hardware processor (not shown) that is coupled to the antenna(s) of mobile device 102. Mobile device 102 may also be provisioned with a camera device (not shown) which may be used to scan and read QR codes containing address information and aggregated soft card identification information regarding SP-TSM 106.
After the address information (e.g., a URL address, internet protocol (IP) address, URI address, tag identification number, etc.) associated with SP-TSM 106 is obtained, mobile device 102 may wirelessly send an aggregated soft card identifier (e.g., also obtained from a smart tag, smart poster, or incorporated in the QR code) to SP-TSM 106. In one embodiment, a mobile wallet application 118 in mobile device 102 is configured to contact SP-TSM 106 using the address information by sending the aggregated soft card request message. In one embodiment, mobile wallet application 118 may reside in a memory element of mobile device 102. Although FIG. 1 depicts mobile wallet application 118 as a standalone element, mobile wallet application 118 may be stored in either secure element 122 of mobile device 102 or in a non-secure baseband memory (e.g., memory 128) without departing from the scope of the present subject matter.
In one embodiment, mobile wallet application 118 may include a software application or module (e.g., a MIDlet application) that when executed by a hardware based processor in mobile device 102 is capable of performing various functionalities. For example, mobile wallet application 118 may utilize and manage soft cards stored on mobile device 102. Payment credentials, such as electronic payment soft cards including credit or debit cards may also be stored in within mobile wallet application 118. Alternatively, the aggregated soft card may be requested by a mobile banking application provisioned on mobile device 102, a direct request originating from mobile wallet application 118, via an online website of a bank/merchant using a web browser on mobile device 102, or selecting an ad/offer displayed on the screen of mobile device 102.
Upon receiving the aggregated soft card request message, SP-TSM 106 may be configured to locate the component soft cards that constitute (i.e., make up) the aggregated soft card using the aggregated soft card identifier. In one embodiment, SP-TSM 106 is configured with a database 130 that stores mappings of aggregated soft cards to their respective component soft cards. In one embodiment, component soft card data associated with the aggregated soft card data may be stored at a soft card issuing system servers 108-112 or in some other separate database or storage server. In such a scenario, SP-TSM 106 may use a soft card issuing system server identifier obtained from database 130 to determine the address or location of the appropriate issuing system server. For example, SP-TSM 106 may use the aggregated soft card identifier to access database 130 that maps aggregated soft card identifiers to address information associated with issuing system servers 108-112. In one embodiment, SP-TSM 106 may then use the mapped issuing system server address information to locate the issuing system server containing the underlying component soft card data associated with the requested aggregated soft card. Alternatively, the issuing system server address information may be provided by an interfaced smart poster, smart tag, or QR code.
One example as to how SP-TSM 106 locates the appropriate issuing system server involves mobile device 102 requesting an aggregated soft card that includes the combination of i) an open-loop (e.g., Mastercard) credit soft card, ii) a closed loop (e.g., BestBuy) credit card, and iii) a closed-loop (e.g., BestBuy) loyalty card. As used herein “closed loop” refers to a merchant or entity specific soft card that can only be utilized at the merchant or entity specific location (e.g., using a BestBuy loyalty soft card at a BestBuy location). Similarly, “open loop” refers to a non-merchant specific soft card that may be utilized at a plurality of different locations (e.g., a Mastercard credit soft card). Continuing with the example, SP-TSM 106 may utilize the aggregated soft card identifier to access database 130 to determine the addresses of the issuing system servers that respectively host/store the soft card content data for each of the Mastercard credit soft card, BestBuy credit soft card, and BestBuy loyalty soft card. For example, SP-TSM 106 may use database 130 to determine that branded soft card issuing system server 110 (e.g., a Mastercard server) hosts the Mastercard credit soft card data and merchant soft card issuing system server 108 (e.g., a BestBuy host server) hosts the BestBuy credit soft card data and the BestBuy loyalty soft card data. Although only a merchant soft card issuing system server 108, a branded soft card issuing system server 110, and a transit soft card issuing system server 112 are depicted in FIG. 1, additional soft card issuing system servers may be utilized in system 100 without departing from the scope of the present subject matter.
After identifying the appropriate soft card issuing system servers that contain the component soft card data associated with the requested aggregated soft card, SP-TSM 106 may send a request message to the identified issuing system servers. In response, each identified issuing system server may retrieve the requested component soft card data from a local or external database and subsequently forward the obtained data along with security credentials (e.g., secondary component soft card issuer key, authentication data or other security data required as an part of secondary component soft card data to complete a transaction with secondary component soft card issuer supported wireless reader) to SP-TSM 106. SP-TSM 106 may then be configured to utilize the component soft card data to create an aggregated soft card. In one embodiment, SP-TSM 106 creates a mapping table on behalf of one of the component soft cards that is designated as the “primary component soft card” or “parent soft card.” The other soft cards associated with the aggregated soft card are designated as “child soft cards” or “secondary component soft cards.” Notably, the mapping table may establish a linking or association between the parent soft card and children soft cards. Using the previous example, the Mastercard credit soft card may be designated as the primary component soft card of the aggregated soft card and the BestBuy credit soft card and the BestBuy loyalty soft card may be designated as secondary component soft cards of the aggregated soft card. In one embodiment, the link or association of the primary component soft cards and the secondary component soft cards may be established by a list or table that links the application identifiers (AIDs) of each of the primary and secondary component soft cards. Notably, each AID includes a field that includes a flag or indicator that designates each component soft card as a component of the aggregated soft card. In one embodiment, the PIX portion of the AID may be used to identify a component soft card. The list (i.e., an “AID linking list”) also contains the component soft card AIDs in a priority order as defined by the issuer entity (e.g., the issuing entity associated with the primary soft card). The priority order is a predefined preference order that indicates the sequence in which the component soft cards should be attempted for use by mobile device 102 in a wireless transaction with a wireless device reader. In one embodiment, the AID linking list may be stored and maintained in database 130 of SP-TSM 106.
As indicated above, SE-TSM 104 may be configured to receive aggregated soft card data, the AID linking list, and a subscriber identifier (associated with mobile device 102) from SP-TSM 106. Using the subscriber identifier associated with mobile device 102, SE-TSM 104 may wirelessly send aggregated soft card data over the air to mobile device 102. In one embodiment, SE-TSM 104 establishes a secure communication channel/path with mobile device 102 to store the aggregated soft card data in secure element 122. SE-TSM 104 may also provide the AID linking list to mobile device 102 over the secure communication channel for storage in memory 128. In one embodiment, the AID linking list includes the component soft card AIDs in a priority order as defined by the issuer entity associated with the primary component soft card.
FIG. 2 is a flow chart illustrating an exemplary method 200 for provisioning and utilizing an aggregated soft card on a mobile device according to an embodiment of the subject matter described herein. In block 202, a request for an aggregated soft card is received. In one embodiment, an issuer server, such as SP-TSM 106 receives a request message for an aggregated soft card from mobile device 102. As indicated above, the aggregated soft card request may include the SP-TSM address information, aggregated soft card identification information, and mobile subscriber identification information (associated with mobile device 102).
In block 210, the aggregated soft card is provided to a mobile device. In one embodiment, SP-TSM 106 forwards the aggregated soft card data to SE-TSM 104. In one embodiment, the aggregated soft card data includes i) the primary and secondary component soft card data, ii) the AID linking list associated with the aggregated soft card, iii) an image of the aggregated soft card (e.g., image of primary component soft card) to be displayed when used by a mobile device. After receiving the aggregated soft card data, SE-TSM 104 may wirelessly provision the aggregated soft card data on mobile device 102. For example, SE-TSM 104 may be configured to establish a secure wireless communications link or channel with mobile device 102 that may be used to download the aggregated soft card data to mobile device 102. In an alternate embodiment, the aggregated soft card data may be communicated to mobile device 102 via an unsecure communications link/channel.
In block 214, the aggregated soft card is selected to conduct a wireless transaction. In one embodiment, a user uses mobile wallet application 118 to select aggregated soft card 124 stored on mobile device 102 to conduct a transaction with reader 106. For example, the selected aggregated soft card may be designated for a contactless payment (or non-payment) transaction. Once the aggregated soft card is selected, mobile device 102 accesses the associated AID linking list stored in memory 128. The component soft card AIDS indicated in the AID linking list are then loaded into PPSE application 126 in accordance to the defined priority order. Notably, each component soft card AID is populated in its own PPSE slot. After PPSE application 126 is loaded with the aggregated soft card's component soft card AIDs, the transaction with wireless device reader 114 is conducted. In one embodiment, mobile device 102 taps or is placed in close proximity to wireless device reader 114. In response, wireless device reader 114 initiates a handshaking procedure in which a wireless communications link is established between mobile device 102 and wireless device reader 114.
a trusted service manager (TSM) server configured to receive a request for an aggregated soft card from a mobile device, to access a mapping database to identify a primary component soft card and at least one secondary component soft card that constitutes the aggregated soft card using an aggregated soft card identifier contained in the request from the mobile device and to identify addresses of the soft card issuing system servers hosting the component soft card data associated with each of the primary component soft card and at least one secondary component soft card, to request the component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from the plurality of soft card issuing system servers, to generate aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers, and to send the aggregated soft card data to the mobile device, wherein the aggregated soft card data includes image data that comprises a single visual representation of the aggregated soft card, wherein the link includes an application identifier linking list that specifies a predefined preference order in which the primary component soft card and the at least one secondary component soft card are attempted for use in a wireless transaction between the mobile device and a wireless device reader in the event the single visual representation of the aggregated soft card graphically displayed on the mobile device is selected to conduct the wireless transaction, wherein the application identifier linking list contains application identifiers that identify the primary component soft card and the at least one secondary component soft card and are loaded into a proximity payment system environment (PPSE) application of the mobile device in accordance with the predefined preference order upon the aggregated soft card being selected to conduct the wireless transaction with the wireless device reader, wherein the wireless device reader accesses the PPSE in the mobile device to process the application identifiers and subsequently processes the primary component soft card and the at least one secondary component soft card during the wireless transaction per an order in which the application identifiers are listed in the PPSE application, and wherein the predefined preference order is defined by an issuer of the primary component soft card, wherein each of the application identifiers for the primary component soft card and the at least one secondary soft card includes a field that includes an indicator that respectively designates each of the primary component soft card and the at least one secondary soft card as a component of the aggregated soft card.
2. The system of claim 1 wherein the wireless device reader is configured to receive a request from the mobile device to conduct the wireless transaction using the aggregated soft card provisioned on the mobile device, to select at least one of the primary component soft card and the at least one secondary component soft card to conduct the wireless transaction based on one or more determination factors, and to conduct the wireless transaction over a communications link using the selected at least one component soft card.
11. The system of claim 1 wherein the TSM server is configured to generate the application identifier linking list that indicates a priority order of application identifiers associated with each of the primary component soft card and the at least one secondary component soft card.
12. The system of claim 11 wherein the TSM server is configured to send the application identifier linking list along with soft card data associated with each of the first component soft card and at least one secondary component soft card.
receiving a request for an aggregated soft card from a mobile device;
accessing a mapping database to identify a primary component soft card and at least one secondary component soft card that constitutes the aggregated soft card using an aggregated soft card identifier contained in the request from the mobile device;
identifying addresses of the soft card issuing system servers hosting the component soft card data associated with each of the primary component soft card and at least one secondary component soft card;
sending the aggregated soft card data to the mobile device, wherein the aggregated soft card data includes image data that comprises a single visual representation of the aggregated soft card;
wherein the link includes an application identifier linking list that specifies a predefined preference order in which the primary component soft card and the at least one secondary component soft card are attempted for use in a wireless transaction between the mobile device and a wireless device reader in the event the single visual representation of the aggregated soft card graphically displayed on the mobile device is selected to conduct the wireless transaction;
wherein the application identifier linking list contains application identifiers that identify the primary component soft card and the at least one secondary component soft card and are loaded into a proximity payment system environment (PPSE) application of the mobile device in accordance with the predefined preference order upon the aggregated soft card being selected to conduct the wireless transaction with the wireless device reader, wherein the wireless device reader accesses the PPSE in the mobile device to process the application identifiers and subsequently processes the primary component soft card and the at least one secondary component soft card during the wireless transaction per an order in which the application identifiers are listed in the PPSE application, wherein the predefined preference order is defined by an issuer of the primary component soft card, and wherein each of the application identifiers for the primary component soft card and the at least one secondary soft card includes a field that includes an indicator that respectively designates each of the primary component soft card and the at least one secondary soft card as a component of the aggregated soft card.
receiving, at the wireless device reader, a request to conduct the wireless transaction using the aggregated soft card provisioned on the mobile device;
selecting at least one of the primary component soft card and the at least one secondary component soft card to conduct the wireless transaction based on one or more determination factors; and
26. The method of claim 16 wherein establishing the link among the component soft card data includes generating the application identifier linking list that indicates a priority order of application identifiers associated with each of the primary component soft card and the at least one secondary component soft card.
27. The method of claim 26 wherein sending the aggregated soft card data includes sending the application identifier linking list along with soft card data associated with each of the first component soft card and at least one secondary component soft card.
wherein the application identifier linking list contains application identifiers that identify the primary component soft card and the at least one secondary component soft card and are loaded into a proximity payment system environment (PPSE) application of the mobile device in accordance with the predefined preference order upon the aggregated soft card being selected to conduct the wireless transaction with the wireless device reader, wherein the wireless device reader accesses the PPSE in the mobile device to process the application identifiers and subsequently processes the primary component soft card and the at least one secondary component soft card during the wireless transaction per an order in which the application identifiers are listed in the PPSE application, and wherein the predefined preference order is defined by an issuer of the primary component soft card, wherein each of the application identifiers for the primary component soft card and the at least one secondary soft card includes a field that includes an indicator that respectively designates each of the primary component soft card and the at least one secondary soft card as a component of the aggregated soft card.
US13/669,346 2011-11-03 2012-11-05 Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device Active 2033-01-30 US9767452B2 (en)
US13/669,346 US9767452B2 (en) 2011-11-03 2012-11-05 Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device
US15/688,270 US20170357963A1 (en) 2011-11-03 2017-08-28 Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device
US15/688,270 Continuation US20170357963A1 (en) 2011-11-03 2017-08-28 Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device
US20130124349A1 US20130124349A1 (en) 2013-05-16
US9767452B2 true US9767452B2 (en) 2017-09-19
US13/669,346 Active 2033-01-30 US9767452B2 (en) 2011-11-03 2012-11-05 Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device
US15/688,270 Pending US20170357963A1 (en) 2011-11-03 2017-08-28 Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device
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