PENDING DEPOSIT FOR PAYMENT PROCESSING SYSTEM

摘要

Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.

主权项

1. A computer-implemented method for depositing funds, comprising:
establishing, using one or more computing devices that manage accounts associated with smart card devices, a communication channel with a user communication device, the user communication device having thereto established a second communication channel with a smart card device, the one or more computing devices that manage accounts associated with smart card devices being remotely located from the user communication device; receiving, by the one or more computing devices that manage accounts associated with smart card devices, a smart card device transaction history and a deposit transaction request to credit a deposit transaction amount to the smart card device, wherein the deposit transaction request was created by the user communication device and comprises an amount to be credited and a signature by a session access key resident on the user communication device; verifying, by the one or more computing devices that manage accounts associated with smart card devices, the identity of the smart card device based at least in part on a smart card account number and a smart card verification number and the identity of the signature based at least in part on the session access key; when the identity of the smart card device and the identity of the signature are verified, processing, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction request; certifying, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction request based at least in part by a signature by a signing key resident on the one or more computing devices that manage accounts associated with smart card devices; creating, by the one or more computing devices that manage accounts associated with smart card devices, a deposit transaction record, the deposit transaction record comprising the amount to be credited, the session access key signature, and the signing key signature; writing, by the computer, the deposit transaction record to an account associated with the smart card device; transmitting, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction record to the user communication device, wherein the deposit transaction record is forwarded to the smart card device; receiving, by the one or more computing devices that manage accounts associated with smart card devices, a deposit confirmation record, wherein the deposit confirmation indicates that the deposit transaction record was forwarded to the smart card device and the deposit transaction request was completed; and writing, by the one or more computing devices that manage accounts associated with smart card devices, the deposit confirmation record to the account associated with the smart card device.