| 摘要 |
A method comprising includes receiving an encrypted over-the-air message from a mobile wireless device requesting that the balance of a merchant's prepayment account for a distributor be reloaded by a requested amount, where the mobile wireless device stores the balance in a secure element holding data encrypted by a key, authorizing a reload of the merchant's prepayment account for the distributor, transmitting an encrypted over-the-air message to the mobile wireless device to enable the mobile wireless device to increase the balance of the merchant's prepayment account for the distributor by the requested amount where the wireless mobile device is able to display the balance of the merchant's prepayment account for the distributor, notifying the distributor that the balance of the merchant's prepayment account for the distributor has been increased by the requested amount so that the distributor can authorize an unscheduled delivery to the merchant, transmitting an over-the-air message including an encrypted version of the key to a reader device used by delivery personnel acting on behalf of the distributor so that the reader device can access the secure element of the mobile wireless device using offline near field communication to alter the balance of the merchant's prepayment account for the distributor, receiving a settlement over-the-air message from a reader device indicating an amount to be deleted from the balance of the merchant's prepayment account for the distributor that reflects the cost of merchandise delivered by delivery personnel on behalf of the distributor, where the distributor has decrypted the received encrypted key and accessed the secure element of the mobile wireless device to decrease the balance of the merchant's prepayment account for the distributor stored in the secure element by the cost of merchandise delivered.
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