Smart card loading transactions using wireless telecommunications networks

US8078532B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Stephen HOFFMAN · Batavia, US
• Suzanne C. Cutino · Reno, US

Key dates

• Filing date: Oct 6, 2008
• Grant date: Dec 13, 2011
• Expiry date: May 19, 2029

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load. Finally, the handset validates the second cryptographic signature and loads the value onto the smart card. For payment, the system includes a merchant server and a payment server. First, the handset sends an order request message to the merchant server computer…