SMART CARD PURCHASE TRANSACTIONS USING WIRELESS TELECOMMUNICATIONS NETWORK

• US 20100235282A1
• Filed: 04/06/2010
• Published: 09/16/2010
• 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: Cutino, Suzanne C., Hoffman, Steven R.
• Granted Patent: US 8,082,211 B2
• Time in Patent Office: Days
• US Class Current: 705/67
• 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 mobile handset includes a card reader; a gateway; a funds issuer computer; and an authentication computer. The handset receives a request to load a value onto the smart card. The handset generates a funds request and sends it to a funds issuer computer. The funds issuer computer debits an account. The handset generates a load request with a signature and sends it to an authentication computer. The handset receives a response. The handset validates the second signature and loads value onto the smart card. For payment, the system includes a merchant server and a payment server. The handset sends an order request to the merchant computer, and receives a purchase instruction. The handset processes the message, and then sends a draw request message to a payment server. The payment server sends a debit message to debit the smart card. The handset validates the signature and debits the smart card.

Claims

1. A method of purchasing an item from a merchant by a user over a wireless telecommunications network using a mobile telephone handset, said method comprising:

formulating a draw request message at a subscriber identification module (SIM) of said handset that includes a purchase amount of said item;

sending said draw request message over said telecommunications network from said SIM of said handset to a payment server computer associated with said merchant;

generating a first cryptographic signature at said payment server computer using a first cryptographic key shared between said SIM and an issuer;

sending a debit message from said payment server computer to said SIM in said handset including said first cryptographic signature and an approval to debit said SIM by said purchase amount;

verifying said first cryptographic signature at said SIM using said first shared cryptographic key;

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

sending a debit result message from said SIM to said payment server computer that includes a second cryptographic signature, said second cryptographic signature being generated using a second cryptographic key shared between said SIM and said issuer, said second cryptographic signature uniquely identifying said SIM and indicating that said stored-value application of said SIM has been debited by said purchase amount;

verifying said second cryptographic signature from said SIM using said second shared cryptographic key; and

sending a confirmation message from said payment server computer to said merchant indicating that said SIM has been debited by said purchase amount, whereby said merchant releases said item to said user.

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

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

receiving a purchase instruction message at said SIM of said handset from said merchant, said purchase instruction message including said purchase amount of said item.

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

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

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

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

transmitting said first three steps of sending via a processing gateway computer, said gateway computer using a different message protocol for communication with said SIM than with said payment server computer.

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

6. A method of purchasing an item from a merchant server computer by a user over a wireless telecommunications network using a mobile telephone handset, said method comprising:

formulating a draw request message at said handset that includes a purchase amount of said item;

sending said draw request message over said telecommunications network from a subscriber identification module (SIM) of said handset to a payment server computer associated with said merchant server computer;

receiving a debit message at said handset from said payment server computer that includes a cryptographic signature S2 and an approval to debit said SIM by said purchase amount, said cryptographic signature S2 being generated using a first cryptographic key shared between said SIM and an issuer;

verifying said cryptographic signature S2 at said SIM using said first shared cryptographic key;

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

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

receiving said item by said user.

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

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

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.

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

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

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

9. A method as recited in claim 6 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 SIM than with said payment server computer.

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

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

11. A method as recited in claim 6 wherein said first cryptographic key and said second cryptographic key are the same key.

12. A method as recited in claim 6 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.

13. A method as recited in claim 6 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.

14. A method as recited in claim 7 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.