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;
a mobile communication device comprising a subscriber identification module (SIM) card slot and being adapted to connect to said voucher host system via a network connection and to download said prepaid electronic vouchers;
a smart card reader/writer module adapted to electrically connect to said SIM card slot of said mobile communication device; and
wherein said smart card reader/writer module comprises means for receiving said voucher smart card, means for storing information onto said voucher smart card, means for reading information from said voucher smart card and is adapted to receive said downloaded prepaid electronic vouchers from said mobile communication device and to store said prepaid electronic vouchers in said voucher smart card.
10 Assignments
0 Petitions
Accused Products
Abstract
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. 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 transaction terminals are mobile devices communicating to the mobile transaction server over wireless networks.
65 Citations
39 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; a mobile communication device comprising a subscriber identification module (SIM) card slot and being adapted to connect to said voucher host system via a network connection and to download said prepaid electronic vouchers; a smart card reader/writer module adapted to electrically connect to said SIM card slot of said mobile communication device; and wherein said smart card reader/writer module comprises means for receiving said voucher smart card, means for storing information onto said voucher smart card, means for reading information from said voucher smart card and is adapted to receive said downloaded prepaid electronic vouchers from said mobile communication device 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)
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20. 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 mobile communication device comprising a subscriber identification module (SIM) card slot and being adapted to connect to said voucher host system via a network connection and to download said prepaid electronic vouchers; providing a smart card reader/writer module comprising means for receiving a voucher smart card, means for storing information onto said voucher smart card, means for reading information from said voucher smart card and electrically connecting said smart card reader/writer to said SIM card slot of said mobile communication device, wherein said smart card reader/writer is adapted to receive said downloaded prepaid electronic vouchers from said mobile communication device and to store said prepaid electronic vouchers in said voucher smart card; placing a purchase order and paying for one of said one or more prepaid electronic vouchers from said mobile communication device to said voucher host system over said network connection; downloading said one prepaid electronic voucher from said voucher host system to said mobile communication device via 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 (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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Specification