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专利名称：SMART CARD LOAD AND PURCHASE
TRANSACTIONS USING WIRELESSTELECOMMUNICATIONS NETWORK
发明人：Steven R. Hoffman,Suzanne C. Cutino申请号：US12246228申请日：20081006
公开号：US20090030843A1公开日：20090129
专利附图：
摘要：A smart card transaction allows a consumer to load value onto a smart card andto make purchases using a smart card with a mobile telephone handset over the
telecommunications network. For loading, the system includes: a mobile telephonehandset including a card reader; a gateway computer; a funds issuer computer; and anauthentication computer. The mobile telephone handset receives a request from a userto load a value onto the smart card. The handset generates a funds request messagewhich includes the value and sends the funds request message to a funds issuercomputer. The funds issuer computer debits an account associated with the user. Next,the handset generates a load request message with a cryptographic signature and sendsthe load request message to an authentication computer which authenticates the smartcard. The handset receives a response message which includes a cryptographic signatureand an approval to load. Finally, the handset validates the second cryptographicsignature and loads the value onto the smart card. For payment, the system includes amerchant server and a payment server. First, the handset sends an order requestmessage to the merchant server computer, and in return receives a purchase instructionmessage. The handset processes the purchase instruction message locally, and thensends a draw request message to a payment server computer. The payment servercomputer sends a debit message which includes a cryptographic signature and anapproval to debit the smart card. Finally, the handset validates the cryptographicsignature and debits the smart card.
申请人：Steven R. Hoffman,Suzanne C. Cutino
地址：Pleasanton CA US,Reno NV US
国籍：US,US
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