This patent covers several features of ViVOtech’s OTA provisioning infrastructure software including its system for provisioning credit, debit, prepaid, loyalty and other payment or non-payment cards into NFC devices.

Included in the patent:

• Consumer self-authentication that enables secure payment cards downloaded into an NFC mobile instantly through mobile networks,
• A two-server architecture that allows an issuer to utilize a dedicated server in its own premises or operated by a third party on its behalf,
• The ability of an issuer to provision its branded image, customer support information and other relevant information from plastic cards to the card holder’s mobile devices,
• The ability to allow the first time provisioning of a single payment or loyalty card one at a time, as well as provisioning multiple cards when switching mobile phones.