Patent ID: 8306916

Claim:
A computer-implemented method of tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, payment account data for authorizing a payment transaction, the method comprising: receiving from the portable device, a user request for a payment account product; responsive to the user request, initiating a provisioning process for the 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 pre-application terms and conditions that must be viewed and accepted by a user before the middleware server provisions the payment account data for the requested 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, and in response, updating the status data indicative of a viewed and accepted state of the digital document and provisioning, to the portable device, payment account data for an inactive payment account product as requested; transmitting, to the portable device, a second digital document including post-application agreement information specific to the payment account product 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 in response, updating the status data indicative of a viewed and accepted state of the second digital document and activating the inactive payment account product.