Smart card purchasing transactions using wireless telecommunications network

• US 10,339,522 B2
• Filed: 06/30/2014
• Issued: 07/02/2019
• Est. Priority Date: 07/30/1999
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hoffman, Steven R., Adams, Suzanne C.
• Primary Examiner(s): Kim, Steven S
• Application Number:
  US14/319,615
• Publication Number:
  US 20140310184A1
• Time in Patent Office: 1,828 Days
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 2220/12 Usage or charge determination
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

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.

Claims

1. A method of purchasing an item from a merchant server computer by a user over a wireless telecommunications network using a telephone handset equipped with a subscriber identification module (SIM), said method comprising:

reading, via an application interface, computer readable instructions stored on the SIM for formulating a draw request message at said SIM that includes a purchase amount of an item and an identifier of a smart card that is in communication with said handset via a card reader interface;

reading, via the application interface, computer readable instructions stored on the SIM for sending said draw request message over a network from said SIM of said handset through the handset to a payment server computer associated with a merchant server computer;

receiving a debit message at said smart card from said payment server computer that includes a cryptographic signature S2 resulting from a first cryptographic key shared between the smart card and its issuer, and an approval to debit said smart card by said purchase amount;

verifying said cryptographic signature S2 at said smart card using said first shared cryptographic key;

debiting a stored-value application of said smart card by said purchase amount;

sending a debit result message from said smart card to said payment server computer that includes a cryptographic signature S3 resulting from a second cryptographic key shared between the smart card and its issuer, said signature S3 uniquely identifying said smart card and indicating that said stored-value application of said smart card has been debited by said purchase amount; and

receiving said item by said user.

2. A method as recited in claim 1 further comprising:

sending an order request message to said merchant server computer from said handset for the purchase of said item; and

reading, via the application interface, computer readable instructions stored on the SIM for receiving a purchase instruction message at said SIM of said handset from said merchant server computer, said purchase instruction message including said purchase amount of said item.

3. A method as recited in claim 2 further comprising:

including a merchant identifier in said purchase instruction that identifies said merchant server computer; and

including said merchant identifier in said draw request message, said merchant identifier being used by said payment server computer to identify said merchant server computer.

4. A method as recited in claim 1 further comprising:

decrementing a value of said smart card in a database of an administration system computer by said purchase amount using said identifier of said smart card; and

transferring said purchase amount to an acquiring bank associated with said merchant server computer.

5. A method as recited in claim 1 further comprising:

sending said draw request message, receiving said debit message and sending said debit result message via a processing gateway computer, said gateway computer using a different message protocol for communication with said handset than with said payment server computer.

6. A method as recited in claim 1 further comprising:

said user confirming said purchase amount before said sending of said draw request message.

7. A method as recited in claim 1 further comprising:

initializing said smart card for purchase; and

receiving an answer to reset (ATR) from said smart card before said sending of said draw request message.

8. A method as recited in claim 1 wherein said first cryptographic key and said second cryptographic key are the same key.

9. A method as recited in claim 1 further comprising

displaying said item on a display of said handset;

and

receiving an indication from said user to purchase said item via said display or a keypad of said handset.

10. A method as recited in claim 1 further comprising:

validating a confirmation message from said payment server computer by said merchant server computer; and

releasing said item to said user only if said confirmation message is validated.

11. A purchasing system for purchasing an item for a user, said purchasing system comprising:

a wireless telecommunications network for providing communication between entities;

a telephone handset in communication with said network, said handset including;

a card reader for communicating with said smart card, a subscriber identification module (SIM), and an input interface;

a smart card that is in communication with said handset mobile computing device via a card reader interface, said smart card including a stored value, a cryptographic key shared with an issuer of said smart card, wherein said smart card is arranged to verify a first cryptographic signature S2 and to generate a second cryptographic signature S3;

a merchant server computer arranged to generate a purchase instruction message intended for computer readable instructions stored on said SIM, said purchase instruction message including a purchase amount of said item and a merchant identifier; and

a payment server computer arranged to receive a draw request message from computer readable instructions stored on said SIM through the handset, and to generate a debit message intended for said smart card that includes said first cryptographic signature S2, to verify said second cryptographic signature S3, and to generate a confirmation of payment by said smart card for said merchant server computer, whereby said item is purchased over said wireless telecommunications network and is released to said user associated with said smart card.

12. A system as recited in claim 11 further comprising:

an administration system computer having a processor and a database that holds a value of said smart card using said smart card identifier, wherein said value of said smart card in said database is decremented by said purchase amount via the processor; and

a processor at an acquiring bank associated with said merchant server computer to which is transferred said purchase amount.

13. A system as recited in claim 11 further comprising:

a gateway computer that provides an interface between said handset and said merchant and payment server computers, said gateway computer using a different message protocol for communication with said handset than with said merchant and payment server computers.

14. A system as recited in claim 11 further comprising:

a display of said handset onto which is displayed said item; and

a keypad of said handset arranged to receive an indication from said user to purchase said item.

15. A system as recited in claim 11 wherein said merchant server computer is further arranged to validate said confirmation of payment from said payment server computer and to release said item to said user only if said confirmation of payment is validated.

16. A system as recited in claim 11

wherein the merchant server computer

communicates to the user via a display on the handset, at least one item available for purchase on the handset;

and

receives, from the user via the display or a keyboard on the handset, an indication of interest in at least one item available for purchase; and

wherein the payment server computer, processes the indication of interest to initiate formulation of the draw request message to purchase the at least one item.

17. A system as recited in claim 11

wherein the handset,

initializes said smart card for purchase;

and

reads computer readable instructions stored on the SIM for receiving an answer to reset (ATR) at said SIM from said smart card before said receiving of said draw request message.

18. A system as recited in claim 11

wherein the payment server computer,

transfers said purchase amount to an acquiring bank associated with said merchant server computer.

19. A system as recited in claim 11 further comprising:

an order request message that is received at said merchant server computer from said handset for the purchase of said item; and

a purchase instruction message that is sent from said merchant server computer to said SIM of said handset through the handset, said purchase instruction message including said purchase amount of said item.

20. A system as recited in claim 11 further comprising:

a gateway computer that receives said draw request message, sends said debit message and said debit result message gateway computer, said gateway computer using a different message protocol for communication with said handset than with said payment server computer.