CN105934771B - 自动账户供应 - Google Patents

自动账户供应 Download PDF

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CN105934771B
CN105934771B CN201480073465.8A CN201480073465A CN105934771B CN 105934771 B CN105934771 B CN 105934771B CN 201480073465 A CN201480073465 A CN 201480073465A CN 105934771 B CN105934771 B CN 105934771B
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provisioning
information
request message
communication device
mobile communication
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CN105934771A (zh
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G·L·鲍威尔
J·F·希茨
I·卡彭科
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Visa International Service Association
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
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    • G06Q20/00—Payment architectures, schemes or protocols
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1453—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
    • H04L12/1457—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network using an account
    • H—ELECTRICITY
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    • H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
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    • H04—ELECTRIC COMMUNICATION TECHNIQUE
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    • H—ELECTRICITY
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    • H—ELECTRICITY
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    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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    • H—ELECTRICITY
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Abstract

本发明的实施例涉及用于允许发行方发起移动设备上的账户供应而不需要与账户持有人进行交互的系统、方法和装置。所述发行方可以通过向具有安全元件的移动设备发送供应信息请求消息来发起所述过程。所述移动设备可以识别所述供应请求消息并且收集必要的供应信息而不需要用户输入。所述供应信息可以包括与所述移动设备的所述安全元件相关联的信息。然后所述移动设备可以向供应系统发送供应请求消息。所述供应请求消息可以包括所述必要的供应信息，以允许所述供应系统在所述移动设备的所述安全元件上供应所述金融账户。

Description

自动账户供应
相关申请的交叉引用
本申请根据35 U.S.C.§119(e)要求2013年11月19日提交的题为“发行方发起的账户供应(Issuer Initiated Account Provisioning)”的美国临时专利申请号61/906,378的权益，该申请的披露内容出于所有目的通过引用以其全部内容结合在此。
背景技术
移动通信设备用于进行各种类型的交易正变得日益流行。移动通信设备可以存储金融账户信息或与用户相关联的其他信息，例如与信用卡、借记卡、优惠券、奖励、收据、音乐会门票等相关联的信息。移动通信设备可以关联到用户的支付账户凭证以及个人信息。使用移动通信设备进行支付交易减少每次进行支付交易时需要输入支付凭证或出示实物卡的需要。通常，需要供应(provisioning)系统(即供应服务提供商计算机)来在用户的移动通信设备上供应用户的金融账户信息。
目前的供应系统通常需要用户向移动通信设备请求账户的供应。然而，这对于技术上不精通的一些账户持有人可能是繁琐和困难的。此外，发行方可能希望为在分支机构时表现出对供应感兴趣的一些客户(例如VIP)或账户持有人供应支付账户。然而，发行方无法访问在移动设备上供应金融账户所必要的所有移动设备信息，如与移动设备的安全元件相关联的信息。另外，常规系统需要与第三方(例如移动网络运营商)进行交互以获得安全元件信息。这些通信性质上是大量的，并且需要使用不同的数据传输协议与不同实体之间的合作。因此，需要一种允许账户发行方代表用户发起供应请求的系统。
本发明的实施例单独和共同地解决这些问题和其他问题。
发明内容
本发明的实施例涉及与由发行方发起在移动设备上对金融账户的供应而不需要用户交互相关的系统、装置和方法。在移动设备上供应金融账户包括将金融账户信息安全传送到安全元件或所述移动设备的其他安全数据存储元件中。所述金融账户信息或凭证可以由所述移动设备上的被授权的小应用程序或移动支付应用程序访问以发起并完成与访问设备、服务器计算机和交易处理系统中的任何其他组件或系统的交易。
本发明的实施例允许发行方发起移动设备上的账户供应而不需要与账户持有人(即用户)的交互或来自账户持有人(即用户)的输入。例如，所述发行方可以通过向具有安全元件(即安全存储器)的移动设备发送供应信息请求消息来发起该过程。所述移动设备的操作系统可以识别所述供应请求消息并且收集必要的供应信息而不需要用户输入。所述供应信息可以包括(例如)与所述移动设备的所述安全元件相关联的信息。然后所述移动设备可以向供应系统(即供应服务提供商计算机)发送供应请求消息。在一些示例性实施例中，所述移动设备可以将所述供应请求消息发送到所述发行方，所述发行方可以转而将所述供应请求消息发送到所述供应系统。所述供应请求消息可以包括所述必要的供应信息，以允许所述供应系统在所述移动设备的所述安全元件上供应所述金融账户。
在一些实施例中，所述发行方可以在所述供应信息请求消息中包括授权代码。所述授权代码可以作为所述供应请求消息的一部分被转发到所述供应系统。所述供应系统可以验证所述授权代码，以确保所述移动设备由所述发行方授权进行所述账户的供应。
本发明的一个实施例涉及一种方法，包括由移动通信设备从发行方服务器计算机接收信息请求消息。所述移动通信设备响应于所述信息请求消息并且不需要操作所述移动通信设备的用户的输入而自动确定与安全存储器相关联的供应信息。所述方法还包括由所述移动通信设备生成包括所述供应信息的供应请求消息。所述移动通信设备将包括所述供应信息的所述供应请求消息发送到供应系统或所述发行方服务器计算机并且从所述供应系统接收包括供应数据的供应响应消息。所述供应数据是使用与所述安全存储器相关联的所述供应信息生成的。所述方法还包括由所述移动通信设备将所述供应数据存储在所述安全存储器中。所述供应数据使所述移动通信设备与支付账户相关联。
本发明的另一个实施例涉及一种方法，包括由发行方服务器计算机认证与用户支付账户相关联的用户。所述发行方服务器计算机接收标识所述用户的移动设备的移动设备标识符并且生成供应信息请求消息而不与所述用户交互。所述供应信息请求消息至少包括所述移动设备标识符和供应信息请求标识符。所述供应信息请求标识符自动地使所述移动设备收集供应信息。所述方法还包括由所述发行方服务器计算机将所述供应信息请求消息发送到所述用户的所述移动设备。所述供应信息请求消息发起所述用户的所述移动设备上的所述用户支付账户的供应。
本发明的又一个实施例涉及一种发行方计算机服务器计算机，包括处理器和耦合到所述处理器的非瞬态计算机可读介质。所述计算机可读介质包括当由所述处理器执行时使所述处理器向移动通信设备发送信息请求消息的代码。所述信息请求消息请求与所述移动通信设备的安全存储器相关联的供应信息。所述代码当由所述处理器执行时进一步使所述处理器从所述移动通信设备接收包括所述供应信息的响应消息。所述供应信息由所述移动通信设备响应于所述信息请求消息并且不需要操作所述移动通信设备的用户的输入而自动收集。所述代码当由所述处理器执行时进一步使所述处理器向供应系统发送供应请求消息，使得供应数据可被发送到所述移动通信设备以使所述移动通信设备与支付账户相关联。所述供应请求消息包括所述供应信息以及账户标识符和与所述移动通信设备相关联的移动设备标识符中的一项或多项。在某些实施例中，所述代码当由所述处理器执行时使所述处理器生成授权代码并且将所述授权代码包括在所述供应请求消息中，所述授权代码指示与所述授权代码相关联的所述供应请求消息被所述发行方服务器计算机授权和认证。
其他实施例包含包括处理器的移动通信设备、包括被配置为完成上述方法的处理器和计算机可读介质的服务器计算机。此外，其他实施例可以包括用于完成本文所披露的功能的系统、服务器计算机和方法。
本发明的这些实施例和其他实施例在下面进一步详细描述。
图式简单说明
图1示出了根据本发明的实施例的示例性安全元件账户供应系统的框图。
图2示出了根据本发明的实施例的发行方、移动设备和用于在移动设备的安全元件上供应金融账户的供应系统的组件和之间的交互。
图3示出了根据本发明的实施例的其中供应信息被直接从移动设备发送到供应系统的发行方发起的账户供应过程的示例性流程图。
图4示出了根据本发明的实施例的其中供应信息被间接从移动设备发送到供应系统的发行方发起的账户供应过程的另一示例性流程图。
图5示出了根据本发明的实施例的用于在移动设备的安全元件上供应金融账户的由所述移动设备执行的示例性步骤。
图6示出了根据本发明的实施例的用于发起移动设备上的金融账户的供应的由发行方执行的示例性步骤。
图7示出了根据本发明的实施例的示例性金融交易系统。
图8示出了根据本发明的实施例的示例性计算机系统。
详细描述
本发明的实施例允许发行方发起移动设备上的账户供应，而不需要与用户的交互或来自用户的输入。例如，所述发行方可以通过向具有安全元件(即安全存储器)的移动设备发送供应信息请求消息来发起该过程。所述移动设备的操作系统可以识别所述供应请求消息并且收集必要的供应信息而不需要用户输入。所述供应信息可以包括(例如)与所述移动设备的所述安全元件相关联的信息。然后所述移动设备可以向供应系统发送供应请求消息。在一些示例性实施例中，所述移动设备可以将所述供应请求消息发送到所述发行方，所述发行方可以转而将所述供应请求消息发送到所述供应系统。所述供应请求消息可以包括所述必要的供应信息，以允许所述供应系统在所述移动设备的所述安全元件上供应所述金融账户。
在一些实施例中，所述发行方可以在所述供应信息请求消息中包括授权代码。所述授权代码可以作为所述供应请求消息的一部分被转发到所述供应系统。供应系统可以验证所述授权代码，以确保移动设备被授权进行账户的供应。
因此，本发明的实施例可以结合交易处理系统来使用或者可以使用在交易处理期间通过交易处理系统生成的数据。这样的实施例可以涉及使用账户持有人的移动通信设备在账户持有人与商家之间的交易。例如，一旦账户已经成功供应到账户持有人(即用户)的移动通信设备的安全元件上，则该账户持有人可以使用供应的账户信息来发起和完成与交易处理系统的交易，如下面结合图7进一步描述。
在讨论具体的实施例和示例之前，以下提供本文所使用的术语的一些描述。
如本文所使用，“移动设备”可以包括可以由用户转移和操作的任何电子设备，其也可以提供到网络的远程通信能力。远程通信能力的示例包括使用移动电话(无线)网络、无线数据网络(例如3G、4G或者类似的网络)、Wi-Fi、Wi-Max或者可以提供对网络如因特网或专用网络的访问的任何其他通信介质。移动设备的示例包括移动电话(例如蜂窝电话)、个人数字助理、平板计算机、上网本、膝上型计算机、个人音乐播放器、手持式专门阅读器等。移动设备可以包括用于执行这样的功能的任何合适的硬件和软件，并且还可以包括多个设备或组件(例如，当设备通过拴系到另一设备(即，使用另一设备作为调制解调器)而可以远程访问网络时，两个设备可以一起被认为是单个移动设备)。移动设备还可以包括在移动设备内的固定硬件或软件组件和/或可以耦合到移动设备的一个或多个外部组件。下面提供了示例性移动设备的详细描述。
“安全元件”可以包括任何安全存储器设备，使得包含在安全元件上的数据不易被未被授权的实体攻击、破解或获得。例如，安全元件可以是在实现近场通信(NFC)功能的移动通信设备内实现的集成电路设备。安全元件可以包含嵌入式智能卡级的应用程序(例如支付、传输等)。安全元件可以由移动通信设备用来托管和存储需要高度的安全性的数据和应用程序。例如，安全元件可以被加密并且可以存储支付账户信息。安全元件可以由安全元件所有者提供给移动通信设备，该所有者也可以是移动网络运营商(MNO)、原始设备制造商(OEM)、移动设备制造商(MDM)或任何其他合适的实体。另外，安全元件可以嵌入在移动通信设备的听筒或可以从移动通信设备移除的订户身份模块(SIM)卡中。安全元件也可以包括在附加的设备(如微安全数字(微SD)卡等)中。
“发行方”通常可以指为用户维持金融账户并且通常向用户发出信用卡或借记卡的商业实体(例如银行)。发行方可以包括支付账户发行方或供应和个性化移动设备的安全元件上的移动支付应用程序的其他服务提供商。在供应期间，发行方(及发行方可信服务管理者)可以确保移动设备被正确地配置为允许账户持有人使用安全元件上的移动支付应用程序进行购买。发行方可以负责制定账户持有人可获得的信用额度并且也可以负责向商家发送支付用于使用由发行方发行的支付账户进行的购买。
如本文所使用，“支付账户”或“金融账户”(其可以与一个或多个支付设备相关联)可以包括任何合适的支付账户，包括信用卡账户、支票账户、储蓄账户、分配给账户持有人的商家账户或预付账户。
“服务器计算机”或“服务器”可以是强大的计算机或计算机集群。例如，服务器计算机可以是大型机、小型计算机集群或作为单元运行的一组服务器。在一个示例中，服务器计算机可以是耦合到Web服务器的数据库服务器。
如本文所使用，“供应信息”可以包括供应系统供应移动设备上的支付账户凭证所使用的特定于所述移动设备的存储器(例如安全元件)的信息。例如，供应信息可以包括由安全元件存储的算法和/或加密密钥、分配给安全元件的安全元件标识符、与安全元件的安全域相关联的信息、网络运营商信息、用户信息、可信服务管理者信息等。
如本文所使用，“供应请求消息”可以包括从移动设备直接或间接地发送到供应系统以请求所述移动设备上的支付账户凭证的供应的消息。支付账户凭证使移动设备与支付账户相关联，从而使移动设备能够发起支付交易。供应请求消息可以包括将使供应系统能够供应移动设备上的支付账户凭证的供应信息。
如本文所使用，“供应数据”可以包括被配置为被安装在设备上以允许设备执行服务或一组功能的信息。在一些实施例中，可以将供应数据安装在设备的存储器上。此外，在一些实施例中，存储器可以包括安全存储器(例如安全元件)。例如，供应数据可以包括已经使用安全元件密钥加密的数据，这可以允许安全元件或其他安全数据接收并安装该数据。或者或另外，供应数据可以包括已准备好要供应到安全元件的数据。例如，供应数据可以包括应用程序数据和安全元件密钥，这可以允许设备上的移动应用程序或安全元件将应用程序数据安装或存储到安全元件上。
如本文所使用，“供应响应消息”可以是从供应系统发送到移动设备以实现移动设备上的支付账户凭证的供应的消息。支付账户凭证使移动设备与支付账户相关联，从而使移动设备能够发起支付交易。供应响应消息可以包括将使移动设备能够将支付账户凭证安装或存储在安全元件上的供应数据。
I.发行方发起的安全元件账户供应
本发明的实施例允许发行方发起移动设备的安全元件上的账户供应而不与用户进行交互。图1示出了可以结合本文所描述的发行方发起的安全元件的账户供应使用的示例性安全元件账户供应系统100的框图。除其他元件外，安全元件账户供应系统100可以包括移动设备110(也称为“移动通信设备”)、与供应服务提供商计算机120相关联的支付处理网络130、设备供应账户持有人认证系统(DPCAS)140、一个或多个访问控制服务器150以及发行方服务器计算机160。这些实体可以包括任何合适的硬件或软件，例如如在图8中所示的那些，并且可以通过任何系列的通信网络彼此通信。
移动设备110可以包含包括安全元件或被配置为接收和存储安全数据的其他安全数据存储存储器的任何电子设备。例如，移动设备110可以包括智能电话、平板设备、智能卡、蜂窝电话或者可以是便携式的、被配置为与交易处理系统(如图7中所示)以及安全元件账户供应系统100内的一个或多个实体进行通信并且可以被配置为存储用于发起并进行支付交易的安全支付凭证的任何其他设备。
供应服务提供商计算机120可以包括可以管理、促进和以其他方式与移动设备110以及提供在移动设备110上的任何移动钱包和支付处理网络130进行交互以管理钱包系统的使用和维护的任何服务器计算机。例如，供应服务提供商计算机120可以包括用于与供应服务提供商计算机120相关联的设备的安全元件可信服务管理者(SE TSM)。
支付处理网络130可以包括用于支持和提供授权服务、例外文件服务和清算与结算服务的数据处理子系统、网络和操作。示例性支付处理网络可以包括VisaNetTM。支付处理网络(如VisaNetTM)能够处理信用卡交易、借记卡交易以及其他类型的商业交易。具体地，VisaNetTM包括处理授权请求的Visa集成支付(VIP)系统和执行清算与结算服务的巴塞尔协议II系统。此外，支付处理网络130可以包括服务器计算机并且可以使用任何合适的有线或无线电信网络，包括因特网。
支付处理网络130可以包括或与供应服务提供商计算机120(也被称为“供应系统”)相关联。供应服务提供商计算机120可以包括可以允许支付处理网络130向商家、账户持有人、移动设备等提供供应服务的任何数目的系统。支付处理网络130和供应服务提供商计算机120可以在(例如)发行方服务器计算机160经由与移动设备110的通信发起金融账户的供应时在移动设备110上供应金融账户。
设备供应账户持有人认证系统(DPCAS)140可以包括被配置为确定将实现以用于认证供应请求的适当认证系统的任何计算机或计算机系列。根据各种实施例，供应请求可以由移动设备110响应于从发行方服务器计算机160发送到移动设备110的供应发起消息而发送。DPCAS 140可以被配置为向支付处理网络130返回指示供应请求被批准、拒绝或认证服务器不知道账户持有人是否可信并想执行进一步的认证过程以进行肯定的响应。
DPCAS 140可以与一个或多个访问控制服务器150通信以认证账户持有人。所述一个或多个访问控制服务器可以包括可以由支付处理网络130、发行方服务器计算机160、钱包提供商服务器120或任何其他第三方操作的任何数目的不同的认证系统。可以被实现的不同的认证系统可以包括代表(OBO)发行方认证系统、现有账户持有人认证系统或使用发行方的访问控制服务器(ACS)的认证系统。
代表发行方认证服务(OBO AS)服务器可以由支付处理网络130实现并且可以使用设备激活特定规则来提供基于风险的认证。这些规则可以是或可以不是发行方特定的，并且可被用于不具有经批准的ACS用于设备激活认证请求的发行方。
可以从与发行方发行的账户(例如Visa验证(VbV))支付认证请求相关的认证服务来实现账户持有人认证系统。账户持有人认证系统可以允许发行方为账户持有人的认证指定定制的规则。
ACS 150可以被实现为使得支付处理网络130可以建立ACS150支持设备激活认证请求可能需要的新规范。ACS 150可以由发行方服务器计算机160选择用于执行设备激活认证功能。
安全元件账户供应系统100的元件可以交互以在移动设备110的安全元件上供应金融账户(例如支付账户)。图2示出了根据本发明的实施例的发行方服务器计算机160、移动设备110和用于在移动设备110的安全元件上供应金融账户的供应服务提供商计算机120之间的交互。图2中所示出的元件的动作在图3和图4中更详细地示出。具体地，根据本发明的实施例，图3示出了发行方发起的账户供应过程的示例性流程图，并且图4示出了发行方发起的账户供应过程的另一示例性流程图。因此，下面结合图2讨论在图3和图4中示出的方法步骤。
在可以发起图2中所示的示例性方法之前，发行方服务器计算机160可以从事某个交易或以其他方式与账户持有人或具有代表账户持有人向发行方服务器计算机160提供移动设备标识符的授权的某人进行通信。发行方服务器计算机160可以接收移动通信设备的标识符，该标识符允许发行方服务器计算机160识别与所请求的账户相关联的移动设备110并与其通信。移动设备标识符可以包括电话号码、唯一设备号(如国际移动站设备身份(IMEI)号)，订户标识模块(SIM)卡的唯一序列号(即集成电路卡标识符(ICCI))和唯一国际移动订户身份(IMSI)标识符中的一项或多项。在一些实施例中，账户持有人(例如用户)可以在任何时候(即与支付账户的供应无关且不相干)向发行方服务器计算机160登记其移动设备标识符。账户持有人可以执行任何其他合适的步骤以告知发行方服务器计算机160其移动通信设备标识符。例如，不是账户持有人的被授权人(例如配偶)可以告知银行的柜员其配偶可能希望将其账户供应在其设备上并且可以提供移动设备标识符以允许发行方服务器计算机160与移动设备110联系。
根据各种实施例，可以使用移动设备110来使用账户持有人的金融账户进行交易。为了做到这一点，将账户供应在移动设备110上。本申请的实施例允许发行方服务器计算机160发起供应过程而不需要与账户持有人的任何交互或来自账户持有人的输入。例如，发行方的行政、客户服务代表、业务部门经理或其他实体可以确定金融账户是其账户凭证应该被供应到其移动设备上的所确定的账户持有人基础的一部分。基于该确定，发行方服务器计算机160可以发起移动设备110上的金融账户的供应。
除其他元件外，发行方服务器计算机160可以包括供应模块214。供应模块214可以生成供应信息请求消息(图3的步骤302和图4的步骤402)。供应信息请求消息可以包括供应信息请求消息标识符(例如报头、旗标、特定的格式或允许移动设备110将该消息标识为供应信息请求消息的任何信息)、账户标识符(例如主账号(PAN)、PAN替代品、支付令牌、伪PAN或与账户持有人的账户相关联的任何其他凭证)、附加账户凭证(例如CVV、轨道2数据等)、授权代码和移动设备标识符(例如电话号码、SMS文本地址、IP地址、MSISDN或可用于标识和联系将被进行供应的移动设备110的任何其他信息)中的一项或多项。移动设备标识符也可以包括唯一设备号(如国际移动站设备身份(IMEI)号)、订户标识模块(SIM)卡的唯一序列号(即集成电路卡标识符(ICCI))或唯一国际移动订户身份(IMSI)。发行方服务器计算机160可以经由(例如)外部通信接口216将供应信息请求消息发送到移动设备110(图3的步骤304和图4的步骤404)。
供应信息请求消息中的授权代码可以是供应服务提供商计算机可使用来验证供应请求由(例如)发行方服务器计算机160授权和认证的重可创建代码。
根据各种实施例，发行方服务器计算机160可以包括认证模块212，在使用供应模块214生成供应信息请求消息之前，该模块对账户持有人进行认证。在认证账户持有人时，认证模块212可以生成可以由供应服务提供商计算机120用来验证供应请求经发行方服务器计算机160授权和认证的授权代码。发行方服务器计算机160还可以包括系统存储器218和处理器219以执行本文所描述的动作中的一个或多个动作。在下面结合图8讨论示例性存储器和处理器。
图2中示出的移动设备110可以包括安全元件222，该元件可以安全地存储账户凭证以允许移动设备110的用户使用NFC销售点设备或通过电子商务商家服务器等从移动设备110安全地发起并处理交易。当移动设备110从发行方服务器计算机160接收到供应信息请求消息时，移动设备110的操作系统226可以标识包括在供应信息请求消息中的供应信息请求消息指示符。该标识可通过任何合适的方法发生。例如，操作系统226可以包括被配置为允许操作系统226标识指示接收到的消息是供应信息请求消息的供应信息请求消息标识符(例如报头、旗标、某个特定的预先确定的消息字符串或内容、发送供应信息请求消息的发行方服务器计算机160的特定地址或任何其他相关联的信息)的标识模块。
响应于供应信息请求消息，操作系统226可以收集与安全元件222相关联的供应信息。例如，操作系统226可以针对安全元件222上的可用域向安全元件222请求安全域信息。另外，操作系统226可以收集或确定与移动设备110相关联的账户持有人信息、存储在系统存储器228上的网络运营商信息、可信服务管理者(TSM)信息、唯一导出密钥(UDK)或其他加密密钥信息以及对于供应系统在移动设备110的安全元件222上供应账户可能有用的任何其他信息。因此，供应信息可以包括在移动设备110上供应账户的请求期间可以由移动设备110提供的任何数据(例如安全元件标识符、UDK标识符等)。可以在由马霍京(Makhotin)等人在2012年12月13日提交的美国专利申请号13/713,938中找到关于供应信息以及在供应请求期间提供的其他信息的额外细节，该申请出于所有目的通过引用以其全部内容结合在此。
在操作系统226收集供应信息之后，移动设备110的供应模块224可以生成包括供应信息的供应请求消息(图3的步骤306和图4的步骤406)。供应请求消息还可以包括授权代码、账户标识符、附加账户凭证和由发行方服务器计算机160提供给移动设备110的移动设备标识符中的一项或多项。移动设备110可以经由外部通信接口227将供应请求消息发送到供应服务提供商计算机120(图3的步骤308)。移动设备110还可以包括处理器229以执行本文所描述的动作中的一个或多个动作。在下面结合图8讨论示例性处理器。
在一些实施例中，移动设备110可以响应于供应信息请求消息而将供应请求消息或只将供应信息发送到发行方服务器计算机160(图4的步骤408)。然后，发行方服务器计算机160可以经由外部通信接口216将供应信息连同授权代码、账户标识符、附加账户凭证和移动设备标识符中的一项或多项发送到供应服务器提供商120(图4的步骤409)。
根据各种实施例，供应服务提供商计算机120可以位于图1中所示的支付处理网络130中或者可以包括单独的第三方供应系统，如与移动网络运营商、移动设备制造商、发行方服务器计算机160或任何其他第三方或它们的任何组合相关联的TSM。供应服务提供商计算机120可以被配置为从移动设备110或发行方服务器计算机160接收供应请求消息并完成供应过程。被配置为将所请求的账户供应到移动设备110的安全元件222上的组件或系统的任何合适的组合可以被包括在供应服务提供商计算机120中。
在接收到供应请求消息时，供应服务提供商计算机120可以使用验证模块232对账户持有人信息进行认证(图3的步骤310和图4的步骤410)。例如，验证模块232可以验证由发行方服务器计算机160的认证模块212生成的授权代码以确保移动设备110由发行方服务器计算机160授权进行供应。在一些实施例中，图1中所示的DPCAS 140和ACS控制器150可以用于实现账户持有人的高级认证。如果验证模块232确定授权代码、账户标识符或其他账户凭证与由供应服务提供商计算机120存储和/或访问的信息不匹配，则供应过程可能会被终止。类似地，如果供应服务提供商计算机120处的一些风险数据需要账户持有人的高级认证，则供应过程可能会被暂停或终止。可以在由卡尔片科(Karpenko)等人在2014年8月8日提交的美国专利申请号14/455,600中找到关于高级认证过程和将账户数据供应到移动通信设备上的其他示例性方法的细节，该申请出于所有目的通过引用以其全部内容结合在此。
认证代码的生成和后续验证可以以任何合适的方式发生。例如，可以由发行方服务器中的认证模块使用多个数据输入和散列算法以获得授权代码来生成认证代码。然后供应服务提供商计算机的验证模块可以使用数据输入来创建认证代码。这样的数据输入可以与交易或账户相关联。示例性数据输入可以包括账户号码、CVV、家庭地址、日期、时间、电话标识符信息(如SIM卡号码、IMEI号码等)和姓名以及在本申请中的其他数据元素。在另一示例中，发行方服务器和供应服务提供商计算机可以共享秘密的加密密钥。发行方服务器可以使用加密密钥和加密算法来串联和加密数据输入(如上述那些)以形成认证代码。认证代码可以由供应服务提供商计算机使用秘密的加密密钥和相关联的加密算法进行解密。
如果提供的信息由验证模块232验证，则供应服务提供商计算机120可以在移动设备110的安全元件222上供应账户持有人的支付账户(图3的步骤312和图4的步骤412)。例如，供应服务提供商计算机120可以经由外部通信接口236向移动设备110发送供应响应消息。供应响应消息可以在移动设备110的安全元件222上供应账户持有人的支付账户(图3的步骤314和图4的步骤414)。如图2中所示，供应服务提供商计算机120还可以包括系统存储器238和处理器239以执行本文所描述的动作中的一个或多个动作。在下面结合图8讨论示例性存储器和处理器。
可以在由马霍京等人在2012年12月13日提交的美国专利申请号13/713,938中找到关于供应服务提供商计算机120的一些可能的实现的额外细节和供应信息、供应数据、加密步骤和密钥管理的细节，该申请出于所有目的通过引用以其全部内容结合在此。
II.示例性方法
图5示出了根据本发明的实施例的用于在移动设备的安全元件上供应金融账户的由所述移动设备执行的示例性方法500。在502处，包括安全元件的移动设备从发行方接收供应信息请求消息。在一些实施例中，可以使用发行方供应服务密钥或其他共享加密密钥对来对供应信息请求消息进行加密，以确保供应信息请求消息可以不被恶意第三方截获。如果消息被加密，则移动设备可以在接收时对消息进行解密。供应信息请求消息可以包括授权代码、账户标识符和移动设备标识符中的一项或多项。移动设备可以使用任何通信网络或通信协议接收供应信息请求消息。例如，供应信息请求消息可以包括文本消息、电子邮件、空中(OTA)通信消息或者移动设备可以接收的任何其他消息。在一些实施例中，供应信息请求消息可以包括标识符。移动设备的操作系统可以基于所述标识符识别所接收的消息是供应信息请求消息而不需要用户(或账户持有人)必须这样来标识消息。根据各种实施例，移动设备甚至可以不向用户显示供应信息请求消息。
一旦移动设备标识供应信息请求消息，移动通信设备的操作系统可以收集或确定与安全元件和移动通信设备相关联的供应信息而不需要操作移动设备的用户的输入(步骤504)。在步骤506处，移动设备生成包括所收集的/确定的供应信息的供应请求消息。供应请求消息还可以包括可以允许供应系统确定适当的移动通信设备和将在其上供应账户凭证的相关联安全元件的授权代码、账户标识符和移动通信设备标识符(例如电话号码、MSISDN等)中的一项或多项。此外，可以使用加密服务密钥对供应请求消息进行加密，以确保供应请求可以不被恶意第三方截获。
在步骤508处，移动设备可以将供应请求消息发送到发行方或供应系统(即供应服务提供商计算机)。如果供应请求消息是响应于供应信息请求消息而发送到发行方，则发行方可以将供应请求消息发送到供应系统。
当供应系统接收到包括授权代码、供应信息和账户持有人账户凭证(例如PAN、支付令牌、CVV和与支付账户相关联的任何其他轨道1或轨道2数据等)的供应请求消息时，供应系统可以验证授权代码以确保移动设备被授权由发行方进行供应。授权代码的验证可以以任何合适的方式来完成。例如，在一些实施例中，供应系统和发行方服务器计算机可以共享唯一的秘密密钥或秘密算法，所述唯一的秘密密钥或秘密算法允许供应系统生成另一个授权代码并且将所接收的授权代码与所生成的授权代码相比较以确保它们相同并且因此授权代码一定是来自发行方服务器计算机，因为发行方是知道唯一秘密密钥或秘密算法的另一方。或者，供应系统可以联系发行方服务器计算机以获得授权和/或验证授权代码与请求账户供应的移动设备相关联。可以实现任何其他合适的验证技术，以允许供应系统确保供应请求消息与正确的账户、正确的移动设备相关联并且发行方服务器计算机已请求或发起了账户供应。
一旦已经对授权代码进行验证从而确认移动设备被授权将支付账户凭证供应到移动设备的安全元件上，则供应系统使用所接收的供应信息、移动通信设备标识符、账户证书以及与请求相关联的任何其他信息来生成包括账户供应数据的供应响应消息。本领域的普通技术人员可以认识到，账户供应数据可以是传统的供应数据。供应系统可以将供应响应消息发送到移动设备。
在步骤510处，移动设备可以接收包括供应数据的供应响应消息。在一些实施例中，可以使用与存储在安全元件上的移动支付应用程序相关联的唯一导出密钥(UDK)或其他加密密钥来生成账户供应数据，使得安全元件或移动支付应用程序可以将账户供应数据解密并且将账户供应数据存储到安全元件上。移动设备和/或安全元件上的软件模块或小应用程序中的一个或多个软件模块或小应用程序可以将供应数据标识为是针对安全元件的供应响应并且可以操作以将供应数据供应到安全元件上。因此，安全元件现在可以包括与支付账户相关联的支付账户凭证并且可以被配置为使用NFC通信芯片、电子商务交易或任何其他安全支付过程从移动设备发起并完成交易。
因此，可以在支付交易中使用的支付账户被供应在移动设备上而不需要移动设备操作者的任何用户输入、知识或确认动作。在一些实施例中，账户持有人或移动通信设备操作者可被告知过程的状态或过程正在被完成，但这样的通知是可选的，并且在其他实施例中，可以不给出这样的通知。本发明的实施例使发行方能够自动且无缝地将支付账户供应到被授权的移动设备上。
图6示出了根据本发明的实施例的用于发起移动设备上的金融账户的供应的由发行方执行的示例性步骤。在步骤602处，发行方认证与用户支付账户相关联的用户。在步骤604处，发行方可以接收与用户的移动设备相关联的移动设备标识符。如以上所提供的，移动设备标识符可以包括电话号码、唯一设备号(如国际移动站设备身份(IMEI)号)、订户标识模块(SIM)卡的唯一序列号(即集成电路卡标识符(ICCI))和唯一国际移动订户身份(IMSI)标识符中的一项或多项。
发行方可能无法访问与移动设备的安全元件相关联的供应信息。如果没有供应信息，发行方不能供应(或请求供应服务供应)移动设备上的金融账户。根据各种实施例，发行方可以向移动设备请求供应信息，而不是第三方(如移动网络运营商)。发行方可以向移动设备请求供应信息并且将供应信息发送到供应系统，或者自动地使移动设备确定/收集供应信息并将供应信息直接发送到供应系统。
在步骤606处，发行方服务器计算机生成到账户持有人的移动设备的供应信息请求消息而不与账户持有人交互。供应信息请求消息可以包括授权代码、账户标识符、移动设备标识符和将该消息向接收移动设备标识为供应信息请求消息的供应信息请求标识符(例如报头)中的一项或多项。在一些实施例中，可以使用发行方供应服务密钥或其他共享加密密钥对来对供应信息请求消息进行加密，以确保供应请求可以不被恶意第三方截获。
在608处，发行方可以将供应信息请求消息发送到用户的移动设备来发起移动设备上的支付账户的供应。根据各种实施例，可以使用任何通信网络或通信协议来发送供应信息请求消息。例如，供应信息请求消息可以包括文本消息、电子邮件、空中(OTA)通信消息或移动设备可以接收的任何其他消息。
III.示例性系统
下面提供其中可以利用本文中所提供的实施例的示例性系统的描述。虽然部分实体和组件可能会被描述为分离的，但是在一些情况下，组件中的一个或多个组件可被组合到单个设备或位置中(反之亦然)。类似地，虽然某些功能可能会被描述为由系统内的单个实体或组件执行，但是在一些情况下功能可以由多个组件和/或实体执行(反之亦然)。如下所述，实体和组件之间的通信可以包括使用电子消息和任何合适的电子通信介质和方法的数据或信息的交换。该系统可以被用来执行用于将移动设备与所供应的账户标识符(如PAN或支付令牌)一起使用的过程。在对系统进行讨论之后，对用于将移动设备与所供应的账户标识符一起使用的过程进行讨论。
如本文所使用，“发行方”通常可以指为用户维持金融账户并且经常向用户发行支付设备(如信用卡或借记卡)的商业实体(例如银行或其他金融机构)。如本文所使用，“商家”通常可以指从事交易并且可以向用户销售商品或服务的实体。如本文所使用，“收单方”通常可以指与特定商家或类似实体具有商业关系的商业实体(例如商业银行或金融机构)。一些实体可以同时执行发行方和收单方职能。
图7示出了示例性金融交易系统。系统720可以包括一个或多个商家722、一个或多个访问设备734、一个或多个收单方724以及一个或多个发行方728。例如，系统720可以包括：商家，该商家具有包括外部通信接口(例如用于与访问设备734和收单方724进行通信)、包括用于生成和利用电子消息的一个或多个模块的系统存储器以及数据处理器(用于促进金融交易和电子消息的交换)的商家计算机722；收单方，该收单方具有包括外部通信接口(例如用于与商家计算机722和支付处理网络726进行通信)、包括用于生成和利用电子消息的一个或多个模块的系统存储器以及数据处理器(用于促进金融交易和电子消息的交换)的收单方计算机724；以及发行方，该发行方具有包括外部通信接口(例如用于与支付处理网络726进行通信)、包括用于生成和利用电子消息的一个或多个模块的系统存储器以及数据处理器(用于促进金融交易和电子消息的交换)的发行方服务器计算机728。商家计算机722的外部通信接口可以耦合到访问设备734(使得信息可以由访问设备734接收并传送到商家计算机722)，或者在一些实施例中，访问设备734可以包括商家计算机722的组件。
如在此上下文中所使用，“外部通信接口”可以指使数据能够在系统720的两个或更多个组件之间(例如在驻留在如发行方、收单方、商家、支付处理网络726等位置的设备之间)传送的任何硬件和/或软件。外部通信接口的一些示例可以包括调制解调器、网络接口(如以太网卡)、通信端口、个人计算机存储卡国际协会(PCMCIA)插槽和卡等等。经由外部通信接口传送的数据可以是信号的形式，这种信号可以是电信号、电磁信号、光学信号或能够由外部通信接口接收的任何其他信号(统称为“电子信号”或“电子消息”)。可以经由通信路径或信道在外部通信接口中的一个或多个外部通信接口之间提供这些可以包括数据或指令的电子消息。如上所述，可以使用任何合适的通信路径或信道，如(例如)电线或电缆、光纤、电话线、蜂窝链路、射频(RF)链路、WAN或LAN网络、因特网或者任何其他合适的方法。
如本领域的普通技术人员将理解，可以使用用于在系统720中的组件之间存储、表示和发送数据的任何合适的通信协议。这样的方法的一些示例可以包括利用预定义和静态字段(如在核心TCP/IP协议中)；“字段：值”对(例如HTTP、FTP、SMTP、POP3和SIP)；基于XML的格式；和/或标记长度值格式。
如图7中的示例性系统720中所示，可以(例如)通过接触式或非接触式接口将支付账户信息从移动设备736提供到访问设备734。在一些实施例中，移动设备736可以经由网络740(如因特网)与支付处理网络726(或系统720中的其他实体)进行交互。
在系统720中，支付处理网络726可以被设置在收单方计算机724和的发行方服务器计算机728之间。此外，商家计算机722、收单方计算机724、支付处理网络726和发行方服务器计算机728都可以彼此可操作地通信(即，虽然在图7中未描绘，实体中的每个实体之间可以存在一个或多个通信信道，不管这些信道是否在进行金融交易中使用)。
支付处理网络726可以包括用于支持和提供授权服务、例外文件服务和清算与结算服务的数据处理子系统、网络和操作。例如，支付处理网络726可以包括耦合到网络接口(例如通过外部通信接口)的服务器计算机以及信息的数据库。支付处理网络(如VisaNetTM)能够处理信用卡交易、借记卡交易以及其他类型的商业交易。具体地，VisaNetTM包括处理授权请求的VIP系统(Visa集成支付系统)和执行清算与结算服务的巴塞尔协议II系统。支付处理网络726可以使用任何合适的有线或无线网络，包括因特网。
虽然一些实施例的许多的数据处理功能和特征可以存在于支付处理网络726(和其中的服务器计算机)中，但是应该理解的是，这样的功能和特征可以存在于其他组件中，如发行方服务器计算机728，并且不需要存在于支付处理网络726或其中的服务器计算机中。
使用移动设备736(其被供应有账户标识符，如PAN或支付令牌)，用户可以通过访问设备734发起与商家计算机722的支付交易。下面对用于示例性金融交易的说明性方法进行描述。以下描述的方法在本质上是示例性的，并且不旨在进行限制。根据本文所描述的一些实施例的方法可以包括(或省略)以下描述的步骤中的一些或全部步骤，并且可以以与本文所描述的不同的顺序包括步骤。
用户将其移动设备736呈现给访问设备734以对商品或服务进行支付。移动设备736和访问设备734交互，使得来自移动设备736的信息(例如PAN、验证值、到期日等)由访问设备734接收(例如经由接触式或非接触式接口)。然后商家计算机722可以经由外部通信接口从访问设备734接收该信息。然后商家计算机722可以生成包括从访问设备734接收的信息(即从移动设备736接收的信息)连同其他交易信息(例如交易金额、商家特定信息等)的授权请求消息。商家计算机722可以电子方式将该信息发送到收单方计算机724。收单方通常在金融交易(例如信用卡交易)中代表和担保商家。然后收单方计算机724可以接收(经由其外部通信接口)处理，并且将授权请求消息转发到支付处理网络726。
支付处理网络726可以与每个发行方具有关于发行方的交易如何被授权的建立协议。在一些情况下，如当交易金额低于阈值时，支付处理网络726可以被配置为基于其具有的关于用户的账户的信息来授权交易而不生成和向发行方服务器计算机728发送授权请求消息。在其他情况下，如当交易金额高于阈值时，支付处理网络726可以经由其外部通信接口接收授权请求消息，确定与支付账户相关联的发行方，并且将用于交易的授权请求消息转发到发行方服务器计算机728以进行验证和授权。作为授权过程的一部分，支付处理网络726或发行方服务器计算机728可以分析由移动设备736提供的验证值或其他数据。验证值可以存储在发行方服务器计算机728或支付处理网络726处。一旦交易被授权，发行方服务器计算机728可以生成授权响应消息(其可以包括指示交易被批准或拒绝的授权代码)并且经由其外部通信接口将该电子消息发送到支付处理网络726。然后支付处理网络726可以经由通信信道将授权响应消息转发到收单方计算机724，该计算机转而又可以将包括授权指示的电子消息发送到商家计算机722。
本文所描述的各种参与者和元件可以操作一个或多个计算机装置，以促进本文所描述的功能。上述图1至图7中的元件中的任何元件(包括任何服务器或数据库)可以使用任何合适数目的子系统来促进本文所描述的功能。
图8示出了这样的子系统或组件的示例。图8中所示的子系统经由系统总线800互连。示出了如打印机808、键盘816、固定盘818(或包括计算机可读介质的其他存储器)、监视器812(其耦合到显示适配器810)等其他子系统。耦合到I/O控制器802(其可以是处理器或其他合适的控制器)的外围设备和输入/输出(I/O)设备可以通过任何数目的本领域已知的方法(如串行端口814)连接到计算机系统。例如，串行端口814或外部接口820可以被用于将计算机装置连接到广域网(如因特网)、鼠标输入设备或扫描仪。经由系统总线的互连允许中央处理器806与每个子系统进行通信并且控制来自系统存储器804或固定盘818的指令的执行以及子系统之间的信息的交换。系统存储器804和/或固定盘818可以体现计算机可读介质。
可以使用(例如)常规的或面向对象的技术来使用任何合适的计算机语言(如(例如)Java、C++或Perl)将在本申请中描述的任何软件组件或功能实现为将由处理器执行的软件代码。软件代码可以存储为一系列的指令或计算机可读介质(如随机存取存储器(RAM)、只读存储器(ROM)、磁性介质(如硬盘驱动器或软盘)或光学介质(如CD-ROM))上的命令。任何这样的计算机可读介质可以驻留在单个计算装置上或内，并且可以存在于系统或网络内的不同计算装置上或内。
上面的描述是说明性的而不是限制性的。在审阅本披露之后，本发明的许多变化对于本领域的技术人员来说可以变得显而易见。本发明的范围因此可以不参考上面的描述来确定，而是可以参考待处理的权利要求及其全部范围或等同物来确定。
在不脱离本发明的范围的前提下，来自任何实施例的一个或多个特征可以与任何其他实施例的一个或多个特征进行组合。
“一个(a)”、“一个(an)”或“该(the)”的叙述意在表示“一个或多个”，除非特别指出相反。
以上提到的所有专利、专利申请、出版物和描述出于所有目的通过引用以其全部内容结合在此。不承认任何内容为现有技术。

Claims (20)

1.一种用于自动账户供应的方法，包括：
由移动通信设备从发行方服务器计算机接收信息请求消息，从而在用户未与所述移动通信设备交互的情况下发起所述移动通信设备上的支付账户的供应，其中所述发行方服务器计算机与向所述用户发布所述支付账户的发行方相关联；
由所述移动通信设备响应于所述信息请求消息并且不需要操作所述移动通信设备的所述用户的输入而自动确定与安全存储器相关联的供应信息；
由所述移动通信设备生成包括所述供应信息的供应请求消息；
由所述移动通信设备将包括所述供应信息的所述供应请求消息发送到供应系统或所述发行方服务器计算机；
由所述移动通信设备从所述供应系统接收包括供应数据的供应响应消息，其中，所述供应数据是使用与所述安全存储器相关联的所述供应信息生成的；以及
由所述移动通信设备将所述供应数据存储在所述安全存储器中，其中，所述供应数据使所述移动通信设备与所述支付账户相关联。
2.如权利要求1所述的方法，其中，与所述安全存储器相关联的所述供应信息包括安全域信息、网络运营商信息、用户信息、可信服务管理者信息和加密密钥信息中的一项或多项。
3.如权利要求1所述的方法，其中，所述信息请求消息包括授权代码、账户标识符和移动设备标识符中的一项或多项。
4.如权利要求3所述的方法，其中，所述供应请求消息包括所述授权代码、所述账户标识符和所述移动设备标识符中的一项或多项。
5.如权利要求1所述的方法，进一步包括：
在将所述供应请求消息发送到所述供应系统之前将所述供应请求消息加密。
6.如权利要求1所述的方法，进一步包括：
基于包括在所述信息请求消息中的标识符并且不与所述用户交互将所述信息请求消息标识为供应信息请求消息。
7.如权利要求1所述的方法，其中，所述供应数据包括主帐号或支付令牌。
8.一种用于自动账户供应的方法，包括：
由服务器计算机认证与用户支付账户相关联的用户，其中所述服务器计算机与向所述用户发布所述用户支付账户的发行方相关联；
由所述服务器计算机接收对所述用户的移动设备进行标识的移动设备标识符；
在供应所述用户的所述移动设备上的所述用户支付账户之前：
由所述服务器计算机生成供应信息请求消息而不与所述用户交互，所述供应信息请求消息至少包括所述移动设备标识符和供应信息请求标识符，其中，所述供应信息请求标识符自动地使所述移动设备收集与所述移动设备的安全存储器相关联的供应信息而不与所述用户交互；以及
由所述服务器计算机将所述供应信息请求消息发送到所述用户的所述移动设备，其中，所述供应信息请求消息发起在所述用户的所述移动设备上对所述用户支付账户的供应。
9.如权利要求8所述的方法，其中，所述供应信息请求消息进一步包括授权代码和账户标识符中的一项或多项。
10.一种移动通信设备，包括：
安全存储器；
处理器；以及
耦合到所述处理器的非瞬态计算机可读介质，所述计算机可读介质包括当由所述处理器执行时使所述处理器进行以下操作的代码：
从发行方服务器计算机接收信息请求消息，从而在用户未与所述移动通信设备交互的情况下发起所述移动通信设备上的支付账户的供应，其中所述发行方服务器计算机与向所述用户发布所述支付账户的发行方相关联；
响应于所述信息请求消息并且不需要操作所述移动通信设备的所述用户的输入而自动确定与所述安全存储器相关联的供应信息；
生成包括所述供应信息的供应请求消息；
将包括所述供应信息的所述供应请求消息发送到供应系统或所述发行方服务器计算机；
从所述供应系统接收包括供应数据的供应响应消息，其中，所述供应数据是使用与所述安全存储器相关联的所述供应信息生成的；以及
将所述供应数据存储在所述安全存储器中，其中，所述供应数据使所述移动通信设备与所述支付账户相关联。
11.如权利要求10所述的移动通信设备，其中，与所述安全存储器相关联的所述供应信息包括安全域信息、网络运营商信息、用户信息、可信服务管理者信息和加密密钥信息中的一项或多项。
12.如权利要求10所述的移动通信设备，其中，所述信息请求消息包括授权代码、账户标识符和移动设备标识符中的一项或多项。
13.如权利要求12所述的移动通信设备，其中，所述供应请求消息包括所述授权代码、所述账户标识符和所述移动设备标识符中的一项或多项。
14.如权利要求10所述的移动通信设备，其中，所述代码当由所述处理器执行时进一步使所述处理器进行以下操作：
在将所述供应请求消息发送到所述供应系统或所述发行方服务器计算机之前将所述供应请求消息加密。
15.如权利要求10所述的移动通信设备，其中，所述代码当由所述处理器执行时进一步使所述处理器进行以下操作：
基于包括在所述信息请求消息中的标识符将所述信息请求消息标识为供应信息请求消息而不与所述用户交互。
16.如权利要求10所述的移动通信设备，其中，所述供应数据包括主帐号或支付令牌。
17.一种发行方服务器计算机，包括：
处理器；以及
耦合到所述处理器的非瞬态计算机可读介质，所述计算机可读介质包括当由所述处理器执行时使所述处理器进行以下操作的代码：
在供应用户的移动通信设备上的支付账户之前：
向所述移动通信设备发送信息请求消息，所述信息请求消息请求与所述移动通信设备的安全存储器相关联的供应信息；
从所述移动通信设备接收包括所述供应信息的响应消息，其中，所述供应信息由所述移动通信设备响应于所述信息请求消息并且不需要操作所述移动通信设备的所述用户的输入而自动收集；以及
向供应系统发送供应请求消息，使得供应数据可被发送到所述移动通信设备以使所述移动通信设备与所述支付账户相关联，其中，所述供应请求消息包括所述供应信息以及账户标识符和与所述移动通信设备相关联的移动设备标识符中的一项或多项，其中所述发行方服务器计算机与向所述用户发布所述支付账户的发行方相关联。
18.如权利要求17所述的发行方服务器计算机，其中，与所述安全存储器相关联的所述供应信息包括安全域信息、网络运营商信息、用户信息、可信服务管理者信息和加密密钥信息中的一项或多项。
19.如权利要求17所述的发行方服务器计算机，其中，所述供应数据包括主帐号或支付令牌。
20.如权利要求17所述的发行方服务器计算机，其中，所述代码当由所述处理器执行时进一步使所述处理器进行以下操作：
生成授权代码，所述授权代码指示与所述授权代码相关联的所述供应请求消息被所述发行方服务器计算机授权和认证；以及
将所述授权代码包括在所述供应请求消息中。
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