Patent ID: 8538883

Claim:
A computer-implemented method of tracking a process of provisioning, by a server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction, the method comprising: selecting, by the user on the portable device, an inactive payment account product from a plurality of payment account product options; receiving, from the portable device upon which a mobile payment account wallet application module is launched, a user request for the inactive payment account product allowing for communication with a merchant point of sale terminal to carry out a payment transaction; responsive to the user request, initiating a provisioning process for the inactive payment account product requested by the user request, including storing status data indicative of an initiated state of the provisioning process; transmitting, to the portable device, a first digital document including information that must be viewed and accepted by a user before the server provisions the payment account data for the requested inactive payment account product, and updating the status data indicative of a transmitted state of the digital document; receiving, from the portable device, an indication that the first digital document has been viewed and accepted by the user; prompting for and receiving at the server user input of details associated with the inactive payment account product; provisioning, to the portable device, in response to receiving an indication that the first digital document has been viewed and accepted and prompting for and receiving input details, payment account data for the inactive payment account product as requested; transmitting, to the portable device, a second digital document that must be viewed and accepted by the user, and updating the status data indicative of a transmitted state of the second digital document; and receiving, from the portable device, an indication that the second digital document has been viewed and accepted by the user, and activating the inactive payment account product to allow for communication with a merchant point of sale terminal to carry out a payment transaction.