Smart card loading transactions using wireless telecommunications network

• US 9,020,853 B2
• Filed: 03/08/2013
• Issued: 04/28/2015
• Est. Priority Date: 07/30/1999
• Status: Expired due to Fees

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hoffman, Steven R., Cutino, Suzanne C.
• Primary Examiner(s): Borlinghaus, Jason M
• Application Number:
  US13/791,887
• Publication Number:
  US 20130191288A1
• Time in Patent Office: 781 Days
• Field of Search: None
• US Class Current: 705/41
• 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

Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the handset receives a request to load value. The handset generates a funds request message and sends the message to a funds issuer computer that debits a user account. Next, the handset authenticates the smart card and receives a response message including approval to load. The handset validates the response and loads the value onto the smart card. For payment, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the message locally, and sends a draw request message to a payment server computer. The payment server computer sends an approval to debit the smart card. The handset validates the approval and debits the smart card.

Claims

1. A method of loading value over a wireless telecommunications network onto a smart card using a mobile telephone handset, said method comprising:

receiving at a subscriber identification module (SIM) within a mobile telephone handset a request from a user to load a load value onto a smart card that communicates with said handset;

generating, by said smart card, a cryptographic signature S1 using a first cryptographic key shared between said smart card and an issuer of said smart card;

sending a funding account identifier from said smart card to said SIM;

preparing a load data message that includes said load value, said funding account identifier, and said cryptographic signature S1;

sending said load data message over said telecommunications network from said SIM of said handset to a gateway server computer;

receiving an approval response message from said gateway server computer at said SIM of said handset, said approval response message including a cryptographic signature S2 and an approval to load said load value onto said smart card, wherein said cryptographic signature S2 is generated using a second cryptographic key shared between said smart card and said issuer of said smart card;

validating, by said smart card, said cryptographic signature S2; and

loading said load value into a stored-value application of said smart card.

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

generating, by said smart card, a cryptographic signature S3 using a third cryptographic key shared between said smart card and said issuer of said smart card; and

sending a load confirmation message over said telecommunications network from said SIM of said handset to said gateway server computer that includes said cryptographic signature S3, wherein said cryptographic signature S3 indicates that said stored-value application of said smart card has been loaded by said load value.

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

debiting a user account of a user bank system identified by said funding account identifier by said load value; and

crediting an issuer system by said load value, whereby liability for said load value is transferred to said issuer system.

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

incrementing a value of said smart card in a database of an administration system computer by said load value, wherein said incremented value in said database reflects the value of said stored-value application of said smart card.

5. A method as recited in claim 1 wherein said smart card may be disconnected from said handset without affecting the telecommunications functionality of the handset.

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

receiving a request from said user at said handset to load said load value; and

prompting said user to place said smart card into communication with said handset using a card reader interface.

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

8. A method of loading value over a wireless telecommunications network onto a smart card using a mobile telephone handset, said method comprising:

receiving, at a gateway server computer, a load data message over a wireless telecommunications network from a subscriber identification module (SIM) within a mobile telephone handset, wherein said load data message includes a load value, a funding account identifier, and a cryptographic signature S1 generated by a smart card;

sending a funds request message over a network to a bank system that controls an account of a user, said funds request message including said load value and said funding account identifier that identifies said account of said user;

receiving a funds response message over said network from said bank system indicating an approval to debit said user account by said load value;

sending a load request message over said network to an issuer system arranged to authenticate said smart card, said load request message including said cryptographic signature S1, wherein said cryptographic signature S1 is generated using a first cryptographic key shared between said smart card and an issuer of said smart card;

receiving a load response message over said network from said issuer system indicating validation of said smart card and a cryptographic signature S2, wherein said cryptographic signature S2 is generated using a second cryptographic key shared between said smart card and said issuer of said smart card; and

sending an approval response message from said gateway server computer to said SIM of said handset over said wireless telecommunications network, said approval response message including said cryptographic signature S2 and an approval to load said load value onto said smart card that is in communication with said handset.

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

debiting said user account of said bank system by said load value; and

crediting said issuer system by said load value, whereby liability for said load value is transferred to said issuer system.

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

incrementing a value of said smart card in a database of an administration system computer by said load value, wherein said incremented value in said database reflects the value of a stored-value application of said smart card.

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

receiving a load confirmation message over said telecommunications network from said SIM of said handset that includes a cryptographic signature S3 that is generated using a third cryptographic key shared between said smart card and said issuer of said smart card;

sending a settlement load request message that includes said cryptographic signature S3 over said network to said issuer system to effect the crediting of said issuer system by said load value; and

sending a settlement funds request message over said network to said bank system to effect the debiting of said user account of said bank system by said load value, whereby liability for said load value is transferred to said issuer system.

12. A method as recited in claim 8 wherein said smart card may be disconnected from said handset without affecting the telecommunications functionality of said handset.

13. A method as recited in claim 8 wherein said first cryptographic key and said second cryptographic key are the same key.

14. An apparatus, comprising:

a memory; and

a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to;

receive at a subscriber identification module (SIM) within a mobile telephone handset a request from a user to load a load value onto a smart card that communicates with said handset;

generate, by said smart card, a cryptographic signature S1 using a first cryptographic key shared between said smart card and an issuer of said smart card;

send a funding account identifier from said smart card to said SIM;

prepare a load data message that includes said load value, said funding account identifier, and said cryptographic signature S1;

send said load data message over a telecommunications network from said SIM of said handset to a gateway server computer;

receive an approval response message from said gateway server computer at said SIM of said handset, said approval response message including a cryptographic signature S2 and an approval to load said load value onto said smart card, wherein said cryptographic signature S2 is generated using a second cryptographic key shared between said smart card and said issuer of said smart card;

validate, by said smart card, said cryptographic signature S2; and

load said load value into a stored-value application of said smart card.

15. The apparatus as recited in claim 14 further comprising instructions to:

generate, by said smart card, a cryptographic signature S3 using a third cryptographic key shared between said smart card and said issuer of said smart card; and

send a load confirmation message over said telecommunications network from said SIM of said handset to said gateway server computer that includes said cryptographic signature S3, wherein said cryptographic signature S3 indicates that said stored-value application of said smart card has been loaded by said load value.

16. The apparatus as recited in claim 14 further comprising instructions to:

debit a user account of a user bank system identified by said funding account identifier by said load value; and

credit an issuer system by said load value, whereby liability for said load value is transferred to said issuer system.

17. The apparatus as recited in claim 14 further comprising instructions to:

increment a value of said smart card in a database of an administration system computer by said load value, wherein said incremented value in said database reflects the value of said stored-value application of said smart card.

18. The apparatus of claim 14, wherein said smart card may be disconnected from said handset without affecting the telecommunications functionality of the handset.

19. The apparatus as recited in claim 14 further comprising instructions to:

receive a request from said user at said handset to load said load value; and

prompt said user to place said smart card into communication with said handset using a card reader interface.

20. The apparatus of claim 14 wherein said first cryptographic key and said second cryptographic key are the same key.

21. An apparatus, comprising:

a memory; and

a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to;

receive, at a gateway server computer, a load data message over a wireless telecommunications network from a subscriber identification module (SIM) within a mobile telephone handset, wherein said load data message includes a load value, a funding account identifier, and a cryptographic signature S1 generated by a smart card;

send a funds request message over a network to a bank system that controls an account of a user, said funds request message including said load value and said funding account identifier that identifies said account of said user;

receive a funds response message over said network from said bank system indicating an approval to debit said user account by said load value;

send a load request message over said network to an issuer system arranged to authenticate said smart card, said load request message including said cryptographic signature S1, wherein said cryptographic signature S1 is generated using a first cryptographic key shared between said smart card and an issuer of said smart card;

receive a load response message over said network from said issuer system indicating validation of said smart card and a cryptographic signature S2, wherein said cryptographic signature S2 is generated using a second cryptographic key shared between said smart card and said issuer of said smart card; and

send an approval response message from said gateway server computer to said SIM of said handset over said wireless telecommunications network, said response message including said cryptographic signature S2 and an approval to load said load value onto said smart card that is in communication with said handset.

22. The apparatus as recited in claim 21 further comprising instructions to:

debit said user account of said bank system by said load value; and

credit said issuer system by said load value, whereby liability for said load value is transferred to said issuer system.

23. The apparatus as recited in claim 21 further comprising instructions to:

increment a value of said smart card in a database of an administration system computer by said load value, wherein said incremented value in said database reflects the value of a stored-value application of said smart card.

24. The apparatus as recited in claim 21 further comprising instructions to:

receive a load confirmation message over said telecommunications network from said SIM of said handset that includes a cryptographic signature S3 that is generated using a third cryptographic key shared between said smart card and said issuer of said smart card;

send a settlement load request message that includes said cryptographic signature S3 over said network to said issuer system to effect the crediting of said issuer system by said load value; and

send a settlement funds request message over said network to said bank system to effect the debiting of said user account of said bank system by said load value, whereby liability for said load value is transferred to said issuer system.

25. The apparatus as recited in claim 21 wherein said smart card may be disconnected from said handset without affecting the telecommunications functionality of said handset.

26. The apparatus as recited in claim 21 wherein said first cryptographic key and said second cryptographic key are the same key.

27. A processor-readable non-transitory medium storing processor-executable instructions to:

receive at a subscriber identification module (SIM) within a mobile telephone handset a request from a user to load a load value onto a smart card that communicates with said handset;

generate, by said smart card, a cryptographic signature S1 using a first cryptographic key shared between said smart card and an issuer of said smart card;

send a funding account identifier from said smart card to said SIM;

prepare a load data message that includes said load value, said funding account identifier, and said cryptographic signature S1;

send said load data message over a telecommunications network from said SIM of said handset to a gateway server computer;

receive an approval response message from said gateway server computer at said SIM of said handset, said approval response message including a cryptographic signature S2 and an approval to load said load value onto said smart card, wherein said cryptographic signature S2 is generated using a second cryptographic key shared between said smart card and said issuer of said smart card;

validate, by said smart card, said cryptographic signature S2; and

load said load value into a stored-value application of said smart card.

28. The medium as recited in claim 27 further comprising instructions to:

generate, by said smart card, a cryptographic signature S3 using a third cryptographic key shared between said smart card and said issuer of said smart card; and

send a load confirmation message over said telecommunications network from said SIM of said handset to said gateway server computer that includes said cryptographic signature S3, wherein said cryptographic signature S3 indicates that said stored-value application of said smart card has been loaded by said load value.

29. The medium as recited in claim 27 further comprising instructions to:

debit a user account of a user bank system identified by said funding account identifier by said load value; and

credit an issuer system by said load value, whereby liability for said load value is transferred to said issuer system.

30. The medium as recited in claim 27 further comprising instructions to:

increment a value of said smart card in a database of an administration system computer by said load value, wherein said incremented value in said database reflects the value of said stored-value application of said smart card.

31. The medium of claim 27, wherein said smart card may be disconnected from said handset without affecting the telecommunications functionality of the handset.

32. The medium as recited in claim 27 further comprising instructions to:

receive a request from said user at said handset to load said load value; and

prompt said user to place said smart card into communication with said handset using a card reader interface.

33. The medium of claim 27 wherein said first cryptographic key and said second cryptographic key are the same key.

34. A processor-readable non-transitory medium storing processor-executable instructions to:

receive, at a gateway server computer, a load data message over a wireless telecommunications network from a subscriber identification module (SIM) within a mobile telephone handset, wherein said load data message includes a load value, a funding account identifier, and a cryptographic signature S1 generated by a smart card;

send a funds request message over a network to a bank system that controls an account of said user, said funds request message including said load value and said funding account identifier that identifies said account of said user;

receive a funds response message over said network from said bank system indicating an approval to debit said user account by said load value;

send a load request message over said network to an issuer system arranged to authenticate said smart card, said load request message including said cryptographic signature S1, wherein said cryptographic signature S1 is generated using a first cryptographic key shared between said smart card and an issuer of said smart card;

receive a load response message over said network from said issuer system indicating validation of said smart card and a cryptographic signature S2, wherein said cryptographic signature S2 is generated using a second cryptographic key shared between said smart card and said issuer of said smart card; and

send an approval response message from said gateway server computer to said SIM of said handset over said wireless telecommunications network, said approval response message including said cryptographic signature S2 and an approval to load said load value onto said smart card that is in communication with said handset.

35. The medium as recited in claim 34 further comprising instructions to:

debit said user account of said bank system by said load value; and

credit said issuer system by said load value, whereby liability for said load value is transferred to said issuer system.

36. The medium as recited in claim 34 further comprising instructions to:

increment a value of said smart card in a database of an administration system computer by said load value, wherein said incremented value in said database reflects the value of a stored-value application of said smart card.

37. The medium as recited in claim 34 further comprising instructions to:

receive a load confirmation message over said telecommunications network from said SIM of said handset that includes a cryptographic signature S3 that is generated using a third cryptographic key shared between said smart card and said issuer of said smart card;

send a settlement load request message that includes said cryptographic signature S3 over said network to said issuer system to effect the crediting of said issuer system by said load value; and

send a settlement funds request message over said network to said bank system to effect the debiting of said user account of said bank system by said load value, whereby liability for said load value is transferred to said issuer system.

38. The medium as recited in claim 34 wherein said smart card may be disconnected from said handset without affecting the telecommunications functionality of said handset.

39. The medium as recited in claim 34 wherein said first cryptographic key and said second cryptographic key are the same key.