PREPAID DISTRIBUTION APPLICATION AND DEVICE

• US 20120036076A1
• Filed: 08/05/2011
• Published: 02/09/2012
• Est. Priority Date: 08/06/2010
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Vanderwall, Jennifer, Cohen, Daniel
• Application Number:
  US13/198,858
• Publication Number:
  US 20120036076A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/0822 using key encryption key
• CPC Class Codes: H04L 9/3226 using a predetermined code, e.g. password, passphrase or PIN network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083

Abstract

A method comprising includes receiving an encrypted over-the-air message from a mobile wireless device requesting that the balance of a merchant'"'"'s prepayment account for a distributor be reloaded by a requested amount, where the mobile wireless device stores the balance in a secure element holding data encrypted by a key, authorizing a reload of the merchant'"'"'s prepayment account for the distributor, transmitting an encrypted over-the-air message to the mobile wireless device to enable the mobile wireless device to increase the balance of the merchant'"'"'s prepayment account for the distributor by the requested amount where the wireless mobile device is able to display the balance of the merchant'"'"'s prepayment account for the distributor, notifying the distributor that the balance of the merchant'"'"'s prepayment account for the distributor has been increased by the requested amount so that the distributor can authorize an unscheduled delivery to the merchant, transmitting an over-the-air message including an encrypted version of the key to a reader device used by delivery personnel acting on behalf of the distributor so that the reader device can access the secure element of the mobile wireless device using offline near field communication to alter the balance of the merchant'"'"'s prepayment account for the distributor, receiving a settlement over-the-air message from a reader device indicating an amount to be deleted from the balance of the merchant'"'"'s prepayment account for the distributor that reflects the cost of merchandise delivered by delivery personnel on behalf of the distributor, where the distributor has decrypted the received encrypted key and accessed the secure element of the mobile wireless device to decrease the balance of the merchant'"'"'s prepayment account for the distributor stored in the secure element by the cost of merchandise delivered.

Claims

1. A method, performed by a processor coupled to an over-the-air communication system, comprising:

receiving an encrypted over-the-air message from a mobile wireless device requesting that the balance of a merchant'"'"'s prepayment account for a distributor be reloaded by a requested amount, where the mobile wireless device stores the balance in a secure element holding data encrypted by a key;

authorizing a reload of the merchant'"'"'s prepayment account for the distributor;

transmitting an encrypted over-the-air message to the mobile wireless device to enable the mobile wireless device to increase the balance of the merchant'"'"'s prepayment account for the distributor by the requested amount where the wireless mobile device is able to display the balance of the merchant'"'"'s prepayment account for the distributor;

notifying the distributor that the balance of the merchant'"'"'s prepayment account for the distributor has been increased by the requested amount so that the distributor can authorize an unscheduled delivery to the merchant;

transmitting an over-the-air message including an encrypted version of the key to a reader device used by delivery personnel acting on behalf of the distributor so that the reader device can access the secure element of the mobile wireless device using offline near field communication to alter the balance of the merchant'"'"'s prepayment account for the distributor;

receiving a settlement over-the-air message from a reader device indicating an amount to be deleted from the balance of the merchant'"'"'s prepayment account for the distributor that reflects the cost of merchandise delivered by delivery personnel on behalf of the distributor, where the distributor has decrypted the received encrypted key and accessed the secure element of the mobile wireless device to decrease the balance of the merchant'"'"'s prepayment account for the distributor stored in the secure element by the cost of merchandise delivered.

2. The method of claim 1 where receiving an encrypted over-the-air message further comprises:

receiving authentication information processed to authenticate a requestor prior to authorizing a reload.

3. The method of claim 1 further comprising:

requesting authorized funds be transferred from a merchant acquirer.

4. The method of claim 1 further comprising:

sending a message to the mobile wireless device indicating an amount of money transferred to the distributors account.

5. A system comprising:

means for receiving an encrypted over-the-air message from a mobile wireless device requesting that the balance of a merchant'"'"'s prepayment account for a distributor be reloaded by a requested amount, where the mobile wireless device stores the balance in a secure element holding data encrypted by a key;

means for authorizing a reload of the merchant'"'"'s prepayment account for the distributor;

means for transmitting an encrypted over-the-air message to the mobile wireless device to enable the mobile wireless device to increase the balance of the merchant'"'"'s prepayment account for the distributor by the requested amount where the wireless mobile device is able to display the balance of the merchant'"'"'s prepayment account for the distributor;

means for notifying the distributor that the balance of the merchant'"'"'s prepayment account for the distributor has been increased by the requested amount so that the distributor can authorize an unscheduled delivery to the merchant;

means for transmitting an over-the-air message including an encrypted version of the key to a reader device used by delivery personnel acting on behalf of the distributor so that the reader device can access the secure element of the mobile wireless device using offline near field communication to alter the balance of the merchant'"'"'s prepayment account for the distributor;

means for receiving a settlement over-the-air message from a reader device indicating an amount to be deleted from the balance of the merchant'"'"'s prepayment account for the distributor that reflects the cost of merchandise delivered by delivery personnel on behalf of the distributor, where the distributor has decrypted the received encrypted key and accessed the secure element of the mobile wireless device to decrease the balance of the merchant'"'"'s prepayment account for the distributor stored in the secure element by the cost of merchandise delivered.

6. The system of claim 5 where means for receiving an encrypted over-the-air message further comprises:

means for receiving authentication information processed to authenticate a requestor prior to authorizing a reload.

7. The system of claim 5 further comprising:

means for requesting authorized funds be transferred from a merchant acquirer.

8. The system of claim 5 further comprising:

means for sending a message to the mobile wireless device indicating an amount of money transferred to the distributors account.

9. A computer comprising:

a processor; and

a memory in communication with the processor, the memory storing program instructions, the processor operative with the program instructions to;

receive an encrypted over-the-air message from a mobile wireless device requesting that the balance of a merchant'"'"'s prepayment account for a distributor be reloaded by a requested amount, where the mobile wireless device stores the balance in a secure element holding data encrypted by a key;

authorize a reload of the merchant'"'"'s prepayment account for the distributor;

transmit an encrypted over-the-air message to the mobile wireless device to enable the mobile wireless device to increase the balance of the merchant'"'"'s prepayment account for the distributor by the requested amount where the wireless mobile device is able to display the balance of the merchant'"'"'s prepayment account for the distributor;

notify the distributor that the balance of the merchant'"'"'s prepayment account for the distributor has been increased by the requested amount so that the distributor can authorize an unscheduled delivery to the merchant;

transmit an over-the-air message including an encrypted version of the key to a reader device used by delivery personnel acting on behalf of the distributor so that the reader device can access the secure element of the mobile wireless device using offline near field communication to alter the balance of the merchant'"'"'s prepayment account for the distributor;

receive a settlement over-the-air message from a reader device indicating an amount to be deleted from the balance of the merchant'"'"'s prepayment account for the distributor that reflects the cost of merchandise delivered by delivery personnel on behalf of the distributor, where the distributor has decrypted the received encrypted key and accessed the secure element of the mobile wireless device to decrease the balance of the merchant'"'"'s prepayment account for the distributor stored in the secure element by the cost of merchandise delivered.

10. The computer of claim 9 wherein the processor is further operative to:

receive authentication information processed to authenticate a requestor prior to authorizing a reload.

11. The computer of claim 9 wherein the processor is further operative to:

request authorized funds be transferred from a merchant acquirer.

12. The computer of claim 9 wherein the processor is further operative to:

send a message to the mobile wireless device indicating an amount of money transferred to the distributors account.

13. An article of manufacture comprising:

a computer readable medium having computer readable program code means embodied therein for receiving an encrypted over-the-air message from a mobile wireless device requesting that the balance of a merchant'"'"'s prepayment account for a distributor be reloaded by a requested amount, where the mobile wireless device stores the balance in a secure element holding data encrypted by a key;

computer readable program code means embodied therein for authorizing a reload of the merchant'"'"'s prepayment account for the distributor;

computer readable program code means embodied therein for transmitting an encrypted over-the-air message to the mobile wireless device to enable the mobile wireless device to increase the balance of the merchant'"'"'s prepayment account for the distributor by the requested amount where the wireless mobile device is able to display the balance of the merchant'"'"'s prepayment account for the distributor;

computer readable program code means embodied therein for notifying the distributor that the balance of the merchant'"'"'s prepayment account for the distributor has been increased by the requested amount so that the distributor can authorize an unscheduled delivery to the merchant;

computer readable program code means embodied therein for transmitting an over-the-air message including an encrypted version of the key to a reader device used by delivery personnel acting on behalf of the distributor so that the reader device can access the secure element of the mobile wireless device using offline near field communication to alter the balance of the merchant'"'"'s prepayment account for the distributor;

computer readable program code means embodied therein for receiving a settlement over-the-air message from a reader device indicating an amount to be deleted from the balance of the merchant'"'"'s prepayment account for the distributor that reflects the cost of merchandise delivered by delivery personnel on behalf of the distributor, where the distributor has decrypted the received encrypted key and accessed the secure element of the mobile wireless device to decrease the balance of the merchant'"'"'s prepayment account for the distributor stored in the secure element by the cost of merchandise delivered.

14. The article of manufacture of claim 13 further comprising:

computer readable program code means embodied therein for receiving authentication information processed to authenticate a requestor prior to authorizing a reload.

15. The article of manufacture of claim 13 further comprising:

computer readable program code means embodied therein for requesting authorized funds be transferred from a merchant acquirer.

16. The article of manufacture of claim 13 further comprising:

computer readable program code means embodied therein for sending a message to the mobile wireless device indicating an amount of money transferred to the distributors account.