Manual provisioning with SMS OTP
Conditions
| Type | Value |
|---|---|
| Token service provider | Mastercard Digital Enablement Service |
| Issuer decision | Yellow path as REQUIRE_ADDITIONAL_AUTHENTICATION |
| Token Type | Belongs to third-party wallet as CLOUD or EMBEDDED_SE |
| Provisioning type | Manual Provisioning |
Sequence diagram
Sequence steps description
| Step | Description |
|---|---|
| 1 | Consumer initiate digization process as manual provisioning |
| 2 | Wallet as Token Requestor check if card is eligible for digitization |
| 3 | Mastercard Digital Enablement Service validate if card can be digitized |
| 4 | 4.1 Mastercard Digital Enablement Service return T&C to the wallet 4.2. Wallet display T&C to the consumer |
| 5 | Consumer review and accept T&C |
| 6 | Wallet as Token Requestor initiate card digitization |
| 7 | Issuer receive the token authentication request as Authorize Binding through MTP I-TSP. Issuer decision is REQUIRE_ADDITIONAL_AUTHENTICATION. |
| 8 | Issuer respond to the token authentication request |
| 9 | Mastercard Digital Enablement Service request available for consumer activation method (ID&V) options |
| 10 | Issuer generate list of available for consumer ID&V options |
| 11 | Issuer respond with available for consumer ID&V options |
| 12 | Mastercard Digital Enablement Service return available ID&V options and wallet display them to the consumer |
| 13 | Consumer select SMS OTP(One-Time Password) as ID&V option |
| 14 | Wallet request Activation Code(OTP) for consumer |
| 15 | Mastercard Digital Enablement Service generate activation code |
| 16 | Mastercard Digital Enablement Service provides activation code to the issuer through MTP I-TSP integration |
| 17 | Issuer delivers activation code to the consumer using SMS |
| 18 | Consumer enter activation code in the wallet |
| 19 | Wallet passthrough activation code to the Mastercard Digital Enablement Service for validation |
| 20 | Mastercard Digital Enablement Service succesfully validated activation code |
| 21 | Mastercard Digital Enablement Service activate token |
| 22 | Mastercard Digital Enablement Service notify issuer about succesful digitization through MTP I-TSP |
| 23 | Issuer notify consumer that digitization to the third-party wallet was succesful |
| 24 | Mastercard Digital Enablement Service notify wallet about the succesful provisioning |
| 25 | Wallet display recently digitized card to the consumer |