Abstract: Methods and systems are disclosed for providing a plurality of virtual secure elements (virtual SEs) to mobile devices with secure elements (SEs). A method generates and forwards a certificate authority security domain (CASD) key for a plurality of virtual SEs to an SE supplier that created the CASD. The method receives a card serial number (CSN) and a card production life cycle (CPLC) key from the SE supplier and forwards these to a mobile device maker. An updated CSN and CPLC data is received from the device maker with an International Mobile Equipment Identity (IMEI) and an issuer security domain key (ISD key) is added to the CSN and CPLC data by a master secure element issuer trusted service manager (master SEI TSM). An application is provisioned to the device that retrieves the CSN, CPLC data, and the IMEI, which are used for to verify and activate the virtual SE.

Abstract: Described are methods and systems for remotely personalizing a payment device. In an embodiment, a trusted service provider (TSP) personalization server receives a payment device personalization request from a remote personalization device (RPD), determines that a hardware security token (HST) permits issuance of the payment device, and transmits a personalization data request to an issuer. The TSP personalization server then receives the requested personalization data from a Mobile Over-the-Air Provisioning Service (MOTAPS) server, generates session keys, converts data from the MOTAPS server into payment device application process data unit (APDU) data, and then transmits the personalization data and APDU data to the RPD to load onto a payment device.

Abstract: According to some embodiments, an over-the-air (“OTA”) provision services receives a request to provision a temporary payment account to a customer's mobile device. The request includes customer data and a temporary primary account number (“PAN”). A process includes mapping the temporary PAN to a mobile PAN, storing the temporary PAN in a mapping database, generating a software package comprising a payment application and the mobile PAN, and transmitting the software package OTA to the customer's mobile device. The software package personalizes the customer's mobile device with the mobile PAN enabling use of that mobile device to utilize the temporary PAN to complete payment transactions shortly after the processor receives the request.

Abstract: Described are methods and systems for remotely personalizing a payment device. In an embodiment, a trusted service provider (TSP) personalization server receives a payment device personalization request from a remote personalization device (RPD), determines that a hardware security token (HST) permits issuance of the payment device, and transmits a personalization data request to an issuer. The TSP personalization server then receives the requested personalization data from a Mobile Over-the-Air Provisioning Service (MOTAPS) server, generates session keys, converts data from the MOTAPS server into payment device application process data unit (APDU) data, and then transmits the personalization data and APDU data to the RPD to load onto a payment device.

Abstract: Systems and methods for remotely personalizing payment devices for consumers are described. In an embodiment, a system includes a MOTAPS server computer that provides data preparation functions and a trusted service provider (TSP) personalization server computer. The system also includes a service provider computer operably coupled to the TSP personalization server computer, and a remote personalization device (RPD) operably coupled to the service provider computer. The RPD transmits personalization requests, receives personalization data, and personalizes a payment device before providing the personalized payment device to a consumer.

Abstract: According to some embodiments, an over-the-air (“OTA”) provision services receives a request to provision a temporary payment account to a customer's mobile device. The request includes customer data and a temporary primary account number (“PAN”). A process includes mapping the temporary PAN to a mobile PAN, storing the temporary PAN in a mapping database, generating a software package comprising a payment application and the mobile PAN, and transmitting the software package OTA to the customer's mobile device. The software package personalizes the customer's mobile device with the mobile PAN enabling use of that mobile device to utilize the temporary PAN to complete payment transactions shortly after the processor receives the request.

Abstract: A method for funding and sharing an experience includes: reading a code encoded with an identifier; transmitting the identifier; receiving details for a transaction, the details including a transaction amount; displaying the amount to a consumer; receiving an indication of transaction options; transmitting the transaction options for processing the transaction; receiving an indication of transaction approval; and displaying a prompt to share experience information with a social network.

Abstract: Described are systems, apparatus and methods for simplifying and streamlining mobile payment device provisioning. A mobile device provisioning framework system includes a plurality of components that interact by using standard interface specifications and standard messaging specifications to facilitate the provisioning of mobile devices. In an embodiment, a mobile device provisioning framework system provides standardized interface specifications, standardized messaging specifications, and a plurality of predetermined mobile device standard profiles. The mobile device provisioning framework system receives a selection of a standard profile from an issuer computer, and then provisions a consumer's mobile device based on the selected standard profile.

Abstract: According to some embodiments, a request for a new payment account may be received in connection with a mobile device, such as a wireless telephone. A temporary payment account number (“PAN”) may then be automatically assigned to the request. The temporary PAN may be mapped to a mobile PAN, and data to facilitate a personalization of the mobile device with the mobile PAN may be transmitted. The mobile device may then be used, for example, in connection with a near field communications enabled purchasing transaction.

Abstract: Methods and systems are disclosed for providing a plurality of virtual secure elements (virtual SEs) to mobile devices with secure elements (SEs). A method generates and forwards a certificate authority security domain (CASD) key for a plurality of virtual SEs to an SE supplier that created the CASD. The method receives a card serial number (CSN) and a card production life cycle (CPLC) key from the SE supplier and forwards these to a mobile device maker. An updated CSN and CPLC data is received from the device maker with an International Mobile Equipment Identity (IMEI) and an issuer security domain key (ISD key) is added to the CSN and CPLC data by a master secure element issuer trusted service manager (master SEI TSM). An application is provisioned to the device that retrieves the CSN, CPLC data, and the IMEI, which are used for to verify and activate the virtual SE.

Abstract: Systems and methods for remotely personalizing payment devices for consumers are described. In an embodiment, a system includes a MOTAPS server computer that provides data preparation functions and a trusted service provider (TSP) personalization server computer. The system also includes a service provider computer operably coupled to the TSP personalization server computer, and a remote personalization device (RPD) operably coupled to the service provider computer. The RPD transmits personalization requests, receives personalization data, and personalizes a payment device before providing the personalized payment device to a consumer.

Abstract: According to some embodiments, a request for a new payment account may be received in connection with a mobile device, such as a wireless telephone. A temporary payment account number (“PAN”) may then be automatically assigned to the request. The temporary PAN may be mapped to a mobile PAN, and data to facilitate a personalization of the mobile device with the mobile PAN may be transmitted. The mobile device may then be used, for example, in connection with a near field communications enabled purchasing transaction.

Abstract: A method of operating a mobile telephone includes receiving a message in the mobile telephone and opening the message. Then a first screen display is presented by the mobile telephone. The first screen display provides an option for commencing the loading of a contactless payment function in the mobile telephone. The method further includes receiving an indication that the user selects the option, then displaying a second screen display. The second screen display permits the user to enter a verification code. User input to enter the verification code is then received. A payment card account number is loaded into the mobile telephone in response to receiving the verification code.