US 9,811,819 B2
System and method for enabling a mobile communication device to operate as a financial presentation device
Ayman Hammad, Pleasanton, CA (US)
Assigned to Visa U.S.A. Inc., San Francisco, CA (US)
Filed by VISA U.S.A. INC., San Francisco, CA (US)
Filed on Jan. 30, 2015, as Appl. No. 14/610,988.
Application 14/610,988 is a continuation of application No. 12/606,685, filed on Oct. 27, 2009, granted, now 8,983,438.
Prior Publication US 2015/0149364 A1, May 28, 2015
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); H04W 12/04 (2009.01); H04W 12/08 (2009.01); H04L 29/08 (2006.01); G06Q 20/38 (2012.01); H04W 4/18 (2009.01); H04L 29/06 (2006.01)
CPC G06Q 20/3226 (2013.01) [G06Q 20/32 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/401 (2013.01); H04L 67/04 (2013.01); H04W 4/18 (2013.01); H04W 12/04 (2013.01); H04W 12/08 (2013.01); H04L 63/168 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A system for enabling a mobile communication device having a secure memory element to operate as a financial presentation device (FPD) which is presentable to providers of goods or services, the system comprising:
a memory storing a security key, wherein the security key is an encryption key;
a processor coupled to the memory; and
a provisioning module executable by the processor and adapted to:
monitor incoming authorization requests for financial transactions to retrieve an authorization request that was initiated with the FPD, the authorization request received from a merchant, wherein the authorization request comprises FPD data including an FPD identifier associated with the FPD;
retrieve the FPD data contained in the authorization request; and
transmit via a wireless communication network the security key and the FPD data to the mobile communication device for storage into the secure memory element so as to enable the mobile communication device to operate as the FPD.