SYSTEM AND METHOD FOR SECURELY STORING, GENERATING, TRANSFERRING AND PRINTING ELECTRONIC PREPAID VOUCHERS

摘要

The present invention describes a system and a method that utilizes transaction terminals (125, 121) equipped with smart card readers to download and store a batch of multiple prepaid electronic vouchers to a smart card (124), retrieve and decrypt individual prepaid vouchers from the smart card and print a voucher receipt with a printer (122) in connection with the transaction terminal. The transaction terminals (125, 121) are in connection with a mobile transaction server (191) that acts as a gateway to a prepaid system (190) and routes transactions between transaction terminals and the prepaid system and between transaction terminals. The present invention also describes a method for storing a voucher encryption key on a second smart card or hardware security module. The voucher encryption key is utilized to decrypt encrypted vouchers on a voucher repository smart card. The present invention also describes a method of transferring encrypted vouchers between voucher smart cards using a single transaction terminal or multiple transaction terminals. The transaction terminals may be mobile devices communicating to the mobile transaction server over wireless networks or computers connected to a wired network.