Smart card purchase transactions using wireless...

Details Smart card purchase transactions using wireless... Smart card purchase transactions using wireless...

2010-04-06

2011-12-20

Borlinghaus, Jason M (Department: 3693)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

Reexamination Certificate

active

08082211

ABSTRACT:
A mobile handset includes a card reader; a gateway; a funds issuer computer; and an authentication computer. The handset receives a request to load a value onto the smart card. The handset generates a funds request and sends it to a funds issuer computer. The funds issuer computer debits an account. The handset generates a load request with a signature and sends it to an authentication computer. The handset receives a response. The handset validates the second signature and loads value onto the smart card. For payment, the system includes a merchant server and a payment server. The handset sends an order request to the merchant computer, and receives a purchase instruction. The handset processes the message, and then sends a draw request message to a payment server. The payment server sends a debit message to debit the smart card. The handset validates the signature and debits the smart card.

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