System and method for securely storing, generating, transferring and printing electronic prepaid vouchers
First Claim
1. A system for generating and storing one or more prepaid electronic vouchers comprising:
- a voucher host system adapted to generate said prepaid electronic vouchers;
a voucher smart card; and
a voucher terminal adapted to receive said prepaid electronic vouchers from said voucher host system over a network connection and to store said prepaid electronic vouchers in said voucher smart card.
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Accused Products
Abstract
The present invention describes a system and a method that utilizes transaction terminals equipped with smart card readers to download and store a batch of multiple prepaid electronic vouchers to a smart card, retrieve and decrypt individual prepaid vouchers from the smart card and print a voucher receipt with a printer in connection with the transaction terminal. The transaction terminals are in connection with a mobile transaction server that acts as a gateway to a prepaid system 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.
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Citations
44 Claims
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1. A system for generating and storing one or more prepaid electronic vouchers comprising:
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a voucher host system adapted to generate said prepaid electronic vouchers;
a voucher smart card; and
a voucher terminal adapted to receive said prepaid electronic vouchers from said voucher host system over a network connection and to store said prepaid electronic vouchers in said voucher smart card. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method for generating and distributing one or more prepaid electronic vouchers issued by a merchant for providing a service or a product, said method comprising:
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providing a voucher host system adapted to generate said prepaid electronic vouchers;
providing a voucher terminal adapted to receive said prepaid electronic vouchers from said voucher host system over a network connection and to store said prepaid electronic vouchers in a voucher smart card;
placing a purchase order and paying for one of said one or more prepaid electronic vouchers from said voucher terminal to said voucher host system over said network connection;
downloading said one prepaid electronic voucher from said voucher host system to said voucher terminal over said network connection and storing said one prepaid electronic voucher in said voucher smart card;
retrieving said one prepaid electronic voucher from said voucher smart card; and
presenting said one prepaid electronic voucher to said merchant and receiving said service or product. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
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Specification