PENDING DEPOSIT FOR PAYMENT PROCESSING SYSTEM

• US 20140258109A1
• Filed: 03/11/2013
• Published: 09/11/2014
• Est. Priority Date: 03/11/2013
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Jiang, Fan, Okonkwo, Aneto Pablo, Springer, Michael William, Bakir, Gkhan Hasan
• Granted Patent: US 10,192,214 B2
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/0655 e-cash managed centrally
• 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 20/3433 the counter having monetary units
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3676 Balancing accounts
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.

Claims

1. A computer-implemented method for depositing funds, comprising:

establishing, using one or more computing devices that manage accounts associated with smart card devices, a communication channel with a user communication device, the user communication device having thereto established a second communication channel with a smart card device, the one or more computing devices that manage accounts associated with smart card devices being remotely located from the user communication device;

receiving, by the one or more computing devices that manage accounts associated with smart card devices, a smart card device transaction history and a deposit transaction request to credit a deposit transaction amount to the smart card device, wherein the deposit transaction request was created by the user communication device and comprises an amount to be credited and a signature by a session access key resident on the user communication device;

verifying, by the one or more computing devices that manage accounts associated with smart card devices, the identity of the smart card device based at least in part on a smart card account number and a smart card verification number and the identity of the signature based at least in part on the session access key;

when the identity of the smart card device and the identity of the signature are verified, processing, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction request;

certifying, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction request based at least in part by a signature by a signing key resident on the one or more computing devices that manage accounts associated with smart card devices;

creating, by the one or more computing devices that manage accounts associated with smart card devices, a deposit transaction record, the deposit transaction record comprising the amount to be credited, the session access key signature, and the signing key signature;

writing, by the computer, the deposit transaction record to an account associated with the smart card device;

transmitting, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction record to the user communication device, wherein the deposit transaction record is forwarded to the smart card device;

receiving, by the one or more computing devices that manage accounts associated with smart card devices, a deposit confirmation record, wherein the deposit confirmation indicates that the deposit transaction record was forwarded to the smart card device and the deposit transaction request was completed; and

writing, by the one or more computing devices that manage accounts associated with smart card devices, the deposit confirmation record to the account associated with the smart card device.

2. The computer-implemented method of claim 1, wherein receiving the deposit confirmation comprises:

receiving, by the one or more computing devices that manage accounts associated with smart card devices, a transaction history for the smart card device, the transaction history comprising the deposit confirmation; and

determining, by the one or more computing devices that manage accounts associated with smart card devices, that the deposit confirmation was not previously written to the account associated with the smart card device.

3. The computer-implemented method of claim 2, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices during a second deposit transaction.

4. The computer-implemented method of claim 3, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices device by a second user communication device during the second deposit transaction.

5. The computer-implemented method of claim 2, wherein the transaction history is transmitted during a withdrawal transaction.

6. The computer-implemented method of claim 5, wherein the transaction history is transmitted by a second user communication device during the withdrawal transaction.

7. The computer-implemented method of claim 1, wherein the deposit confirmation is received by the one or more computing devices that manage accounts associated with smart card devices from the user communication device in real time with the deposit transaction record being forwarded to the smart card device.

8. The computer-implemented method of claim 1, wherein the deposit confirmation is received by the one or more computing devices that manage accounts associated with smart card devices from the user communication device subsequent to the deposit transaction record being forwarded to the smart card device.

9. The computer-implemented method of claim 1, wherein the user communication device is a mobile telephone.

10. The computer-implemented method of claim 1, wherein the user communication device is a smart card reader.

11. A computer program product, comprising:

a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to deposit funds to smart cards, the computer-readable program instructions comprising;

computer-readable program instructions for processing, by one or more computing devices that manage accounts associated with smart card devices, a deposit transaction request, the deposit transaction request to credit a deposit transaction amount to a smart card device, wherein the deposit transaction request was created by a user communication device and comprises an amount to be credited and a signature by a session access key resident on the user communication device, wherein the one or more computing devices that manage accounts associated with smart card devices verifies the identity of the smart card device and verifies the signature by the session access key;

computer-readable program instructions for certifying, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction request based at least in part by a signature by a signing key resident on the one or more computing devices that manage accounts associated with smart card devices;

computer-readable program instructions for creating, by the one or more computing devices that manage accounts associated with smart card devices, a deposit transaction record, the deposit transaction record comprising the amount to be credited, the session access key signature, and the signing key signature;

computer-readable program instructions for writing, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction record to an account associated with the smart card device;

computer-readable program instructions for transmitting, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction record to the user communication device, wherein the deposit transaction record is forwarded to the smart card device;

computer-readable program instructions for receiving, by the one or more computing devices that manage accounts associated with smart card devices, a deposit confirmation record from the user communication device, wherein the deposit confirmation indicates that the deposit transaction record was forwarded to the smart card device and the deposit transaction request was completed; and

computer-readable program instructions for writing, by the one or more computing devices that manage accounts associated with smart card devices, the deposit confirmation record to the account associated with the smart card device.

12. The computer program product of claim 11, further comprising computer-readable program instructions for establishing, by the one or more computing devices that manage accounts associated with smart card devices, a communication channel with the user communication device, the user communication device having established a second communication channel with the smart card device, the one or more computing devices that manage accounts associated with smart card devices being remotely located from the user communication device.

13. The computer program product of claim 11, further comprising computer-readable program instructions for receiving, by the one or more computing devices that manage accounts associated with smart card devices, a smart card device transaction history and the deposit transaction request to credit a deposit transaction amount to the smart card device.

14. The computer program product of claim 11, wherein receiving the deposit confirmation device comprises:

computer-readable program instructions for receiving, by the one or more computing devices that manage accounts associated with smart card devices, a transaction history for the smart card device, the transaction history comprising the deposit confirmation; and

computer-readable program instructions for determining, by the one or more computing devices that manage accounts associated with smart card devices, that the deposit confirmation was not previously written to the account associated with the smart card device.

15. The computer program product of claim 12, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices during a second deposit transaction.

16. The computer program product of claim 15, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices by a second user communication device during the second deposit transaction.

17. The computer program product of claim 12, wherein the transaction history is transmitted during a withdrawal transaction.

18. The computer program product of claim 17, wherein the transaction history is transmitted by a second user communication device during the withdrawal transaction.

19. The computer program product of claim 11, wherein the deposit confirmation is received by the one or more computing devices that manage accounts associated with smart card devices from the user communication device in real time with the deposit transaction record being forwarded to the smart card device.

20. The computer program product of claim 11, wherein the deposit confirmation is received by the one or more computing devices that manage accounts associated with smart card devices from the user communication device subsequent to the deposit transaction record being forwarded to the smart card device.

21. A system for depositing funds, the system comprising:

a storage medium; and

a processor configured to execute computer-executable instructions stored in the storage medium to cause the system to;

process, by one or more computing devices that manage accounts associated with smart card devices, a deposit transaction request, the deposit transaction request to credit a deposit transaction amount to a smart card device, wherein the deposit transaction request was created by a user communication device and comprises an amount to be credited, wherein the one or more computing devices that manage accounts associated with smart card devices verifies the identity of the smart card device;

write, by the one or more computing devices that manage accounts associated with smart card devices, a deposit transaction record to an account associated with the smart card device;

transmit, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction record to the user communication device, wherein the deposit transaction record is forwarded to the smart card device;

receive, by the one or more computing devices that manage accounts associated with smart card devices, a deposit confirmation record from the user communication device, wherein the deposit confirmation indicates that the deposit transaction record was forwarded to the smart card device and the deposit transaction request was completed; and

write, by the one or more computing devices that manage accounts associated with smart card devices, the deposit confirmation record to the account associated with the smart card device.

22. The system of claim 21, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to establish, by the one or more computing devices that manage accounts associated with smart card devices, a communication channel with the user communication device, the user communication device having established a second communication channel with the smart card device, the one or more computing devices that manage accounts associated with smart card devices being remotely located from the user communication device.

23. The system of claim 21, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to receive, by the one or more computing devices that manage accounts associated with smart card devices, a smart card device transaction history and the deposit transaction request to credit a deposit transaction amount to the smart card device.

24. The system of claim 21, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to certify, by the one or more computing devices that manage accounts associated with smart card devices, the deposit transaction request based at least in part by a signature by a signing key resident on the one or more computing devices that manage accounts associated with smart card devices.

25. The system of claim 21, wherein the processor is further configured to execute computer-executable instructions stored in the storage medium to cause the system to create, by the one or more computing devices that manage accounts associated with smart card devices, a deposit transaction record, the deposit transaction record comprising the amount to be credited, a session access key signature, and a signing key signature.

26. The system of claim 21, wherein receiving the deposit confirmation comprises instructions to:

receive, by the one or more computing devices that manage accounts associated with smart card devices, a transaction history for the smart card device from the user communication device, the transaction history comprising the deposit confirmation; and

determine, by the one or more computing devices that manage accounts associated with smart card devices, that the deposit confirmation was not previously written to the account associated with the smart card device.

27. The system of claim 26, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices during a second deposit transaction.

28. The system of claim 27, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices by a second user communication device during the second deposit transaction.

29. The system of claim 26, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices during a withdrawal transaction.

30. The system of claim 29, wherein the transaction history is transmitted to the one or more computing devices that manage accounts associated with smart card devices by a second user communication device during the withdrawal transaction.

31. The system of claim 26, wherein the deposit confirmation is received by the to the one or more computing devices that manage accounts associated with smart card devices from the user communication device in real time with the deposit transaction record being forwarded to the smart card device.

32. The system of claim 26, wherein the deposit confirmation is received by the to the one or more computing devices that manage accounts associated with smart card devices from the user communication device subsequent to the deposit transaction record being forwarded to the smart card device.