Smart card purchase transactions using wireless telecommunications network
US8082211B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 6, 2010 |
| Grant date | Dec 20, 2011 |
| Priority date | — |
| Expiry date | Apr 6, 2030 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q2220/12
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A mobile handset includes a card reader; a gateway; a funds issuer computer; and an authentication computer. The handset receives a request to load a value onto the smart card. The handset generates a funds request and sends it to a funds issuer computer. The funds issuer computer debits an account. The handset generates a load request with a signature and sends it to an authentication computer. The handset receives a response. The handset validates the second signature and loads value onto the smart card. For payment, the system includes a merchant server and a payment server. The handset sends an order request to the merchant computer, and receives a purchase instruction. The handset processes the message, and then sends a draw request message to a payment server. The payment server sends a debit message to debit the smart card. The handset validates the signature and debits the smart card.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.