Patent ID: 8763896

Claim:
A method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising: reading, via the contactless reader, transaction card information from a physical contactless transaction card corresponding to the transaction card account; obtaining addressing information for an issuer server from an electronic wallet server; sending a retrieval message, to the issuer server identified by the addressing information, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server; receiving the card security credential for the transaction card account from the issuer server, the card security credential having been transmitted from the issuer server in response to the retrieval message being received at the issuer server; and storing, the transaction card information read from the physical contactless transaction card; and the card security credential received from the issuer server; on the memory of the mobile device, such that after the storing, the mobile device is usable as another physical contactless transaction card associated with the transaction card account during a payment transaction; wherein when transmitting the card security credential, the issuer server assigns an additional sequence number to the transaction card account for the another physical contactless transaction card usable on the mobile device.