SMART CARD LOADING TRANSACTIONS USING WIRELESS TELECOMMUNICATIONS NETWORK

摘要

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, and in return receives a purchase instruction message. The handset processes the purchase instruction message locally, and then sends a draw request message to a payment server computer. The payment server computer sends a debit message which includes a cryptographic signature and an approval to debit the smart card. Finally, the handset validates the cryptographic signature and debits the smart card.

主权项

1. An apparatus, comprising:
a memory; and a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
receive at a subscriber identification module (SIM) within a mobile computing device a request from a user to load a load value onto a smart card that communicates with said mobile computing device;generate, by said smart card, a cryptographic signature S1 using a first cryptographic key shared between said smart card and an issuer of said smart card;communicate a funding account identifier from said smart card to said SIM;prepare a load data message that includes said load value, said funding account identifier, and said cryptographic signature S1;communicate said load data message over a network from said SIM of said mobile computing device to a gateway server computer;receive an approval response message from said gateway server computer at said SIM of said mobile computing device, said approval response message including a cryptographic signature S2 and an approval to load said load value onto said smart card, wherein said cryptographic signature S2 is generated using a second cryptographic key shared between said smart card and said issuer of said smart card;validate, by said smart card, said cryptographic signature S2; andload said load value into a stored-value application of said smart card.