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Manual provisioning with SMS OTP


Token service providerMastercard Digital Enablement Service
Token TypeBelongs to third-party wallet as CLOUD or EMBEDDED_SE
Provisioning typeManual Provisioning

Sequence diagram

Digitization Overview

Sequence steps description

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