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专利名称：SYSTEMS AND METHODS FOR PROCESSING
MOBILE PAYMENTS BY PROVISIONINGCREDENTIALS TO MOBILE DEVICESWITHOUT SECURE ELEMENTS
发明人：COLLINGE, MEHDI,THOMPSON,
SUSAN,SMETS, PATRIK,ROBERTS, DAVIDANTHONY,WARD, MICHAEL CHRISTOPHER
申请号：EP13772978申请日：20130321公开号：EP2835004A4公开日：20151202
摘要：A method for generating and provisioning payment credentials to a mobiledevice lacking a secure element includes: generating a card profile associated with apayment account, wherein the card profile includes at least payment credentials
corresponding to the associated payment account and a profile identifier; provisioning, toa mobile device lacking a secure element, the generated card profile; receiving, from themobile device, a key request, wherein the key request includes at least a mobileidentification number (PIN) and the profile identifier; using the mobile PIN; generating asingle use key, wherein the single use key includes at least the profile identifier, anapplication transaction counter, and a generating key for use in generating a paymentcryptogram valid for a single financial transaction; and transmitting the generated singleuse key to the mobile device.
申请人：MASTERCARD INTERNATIONAL INCORPORATED
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