United States Patent (10) Patent No.: US 8,078,532 B2 Hoffman Et Al
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USO08078532B2 (12) United States Patent (10) Patent No.: US 8,078,532 B2 Hoffman et al. (45) Date of Patent: *Dec. 13, 2011 (54) SMART CARD LOADING TRANSACTIONS FOREIGN PATENT DOCUMENTS USING WIRELESS TELECOMMUNICATIONS EP O 689 368 12/1995 NETWORKS (Continued) (75) Inventors: Stephen R Hoffman, Pleasanton, CA OTHER PUBLICATIONS (US); Suzanne C Cutino, Reno, NV (US) Rankl, W. & Effing, W. Smartcard Handbook. John Wiley & Sons. 1997. pp. 21-23, 327-353 and 363-368.* (73) Assignee: Visa International Service Association, Foster City, CA (US) (Continued) (*) Notice: Subject to any disclaimer, the term of this Primary Examiner — Jason MBorlinghaus patent is extended or adjusted under 35 (74) Attorney, Agent, or Firm —Walter G. Hanchuk; U.S.C. 154(b) by 225 days Chadbourne & Parke LLP This patent is Subject to a terminal dis- (57) ABSTRACT claimer. A Smart card transaction allows a consumer to load value onto a Smart card and to make purchases using a Smart card with a (21) Appl. No.: 12/246,238 mobile telephone handset over the telecommunications net work. For loading, the system includes: a mobile telephone (22) Filed: Oct. 6, 2008 handset including a card reader, a gateway computer, a funds issuer computer, and an authentication computer. The mobile (65) Prior Publication Data telephone handset receives a request from a user to load a value onto the Smart card. The handset generates a funds US 2009/OO3O844 A1 Jan. 29, 2009 request message which includes the value and sends the funds O O request message to a funds issuer computer. The funds issuer Related U.S. Application Data computer debits an account associated with the user. Next, the (63) Continuation of application No. 09/587,092, filed on handset generates a load request message with a crypto May 31, 2000, now Pat. No. 7,729,986. graphic signature and sends the load request message to an s s s 1-1 s authentication computer which authenticates the Smart card. (60) Provisional application No. 60/146,559, filed on Jul. The handset receives a response message which includes a 30, 1999, provisional application No. 60/156,765, cryptographic signature and an approval to load. Finally, the filed on Sep. 29, 1999. handset validates the second cryptographic signature and loads the value onto the Smart card. For payment, the system (51) Int. Cl. includes a merchant server and a payment server. First, the G06O40/00 (2006.01) handset sends an order request message to the merchant (52) U.S. Cl. ......................................................... 705/39 Server computer,p anddi 1n return receivesives a purchaseipurchase 1nstruct1on i (58) Field of Classification Search ........................ None message. The handset processes the purchase instruction See application file for complete search history message locally, and then sends a draw request message to a payment server computer. The payment server computer (56) References Cited sends a debit message which includes a cryptographic signa ture and an approval to debit the Smart card. Finally, the U.S. PATENT DOCUMENTS handset validates the cryptographic signature and debits the Smart card. 5,220,501 A 6, 1993 Lawlor et al. (Continued) 8 Claims, 8 Drawing Sheets -18 - 102 282 Pico.16 wé, P? Card User Handset SM Network Gateway Server Serve Solicitation -502 504-i Order Order Request Red SS-1 Mercant"Eata' : | Merchant Data-510 i Purchase instruction 512 Confim amount 54 se Arnourt onfirmed litialize for Purchase -520 522 t-PResponse - 3-S24 draw Request : Ros | Draw Request: Merchart Data-527 i OK to Debit... s2Aa 52s 80 OK Debit s2 -528 Dest Result+S3 Debit Result+S3 : s s s i 534-1 S3 onfirmation -536 : : Payment Confire :Poduct Deley,: 538- f-540 i s : Card Jser Handset s Processing Merchant Payment Network Gateway Sewer Seyer w Purchasing SystemProcess Flow 50 US 8,078,532 B2 Page 2 U.S. PATENT DOCUMENTS WO 97,45814 12/1997 5,231,569 A 7/1993 Myatt et al. W. 3. E. 5,428,684 A * 6/1995 Akiyama et al. ................ TO5/66 WO WO98,49658 11, 1998 5,461,217 A 10, 1995 Claus WO 99/OO773 1, 1999 5,491,693. A 2f1996 Britton et al. WO 99.16O29 4f1999 5,649,118 A 7, 1997 Carlisle et al. WO 99.27505 6, 1999 5,748,737 A 5/1998 Daggar 5,796,832 A 8, 1998 Kawan OTHER PUBLICATIONS 5,870,724. A 2f1999 Lawlor et al. 5,884,292 A 3, 1999 Baker et al. “Proton Smart Cards Used to Recharge Mobile Phone Cards Via the 5,887,266 A 3, 1999 Heinonen et al. Internet', Feb. 3, 1999, Proton World: Press Release Mar. 20, 1999– 5,901.303 A 5/1999 Chew Mobile Phone Cards Reload, http://www.prontonworld.com/press/ 5,909,485 A 6, 1999 Martin et al. 5.915.226 A 6, 1999 Marti release press 15.htm. - K - aea “New Mobile Handset Brings Portable Cashpoint', Nov. 6, 1998, 5.936.2215,930,363 A 8,7/1999 1999 CorderStanford et et al. al. Mondexondex International,International. Press Release,Release. http:http:///194.112.42.16/mondex/ 242. Of OCCX so49.492 A 9, 1999 Mankovitz cgi-bin/printpage.pl?&path ..fdocume.../newst4WZu.txt&user. 5952,640 A 9, 1999 Lucero “Mondex Unveils GSM Payment Solution at Cartes”, Nov. 16, 1999, 5,9693 16 A 10, 1999 Greer et al. 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FOREIGN PATENT DOCUMENTS Office Action dated Jul. 12, 2010 in U.S. Appl. No. 12/246.228. EP O 785534 7/1997 International Preliminary Examination Report dated Nov. 19, 2001 EP O . 438 33 corresponding to PCT/US00/20151. WO 95,04328 2, 1995 WO 96.32700 10, 1996 * cited by examiner U.S. Patent Dec. 13, 2011 Sheet 1 of 8 US 8,078,532 B2 Load Device FIG. 1 10 (Prior Art) 18 Purchase Terminal FIG. 2 (Prior Art) U.S. Patent Dec. 13, 2011 Sheet 2 of 8 US 8,078,532 B2 U.S. Patent Dec. 13, 2011 Sheet 3 of 8 US 8,078,532 B2 s i U.S. Patent Dec. 13, 2011 Sheet 5 of 8 US 8,078,532 B2 U.S. Patent Dec. 13, 2011 Sheet 6 of 8 U.S. Patent Dec. 13, 2011 Sheet 8 of 8 US 8,078,532 B2 - 900 904 902 914 24 908 906 23s 912 SN2 910 FIG. 8 900 914 922 924 926 REMOVABLE PROCESSOR(S) MEMORY FIXED DISK DISK 920 904 91 O 912 DISPLAY KEYBOARD MOUSE SPEAKERS NETWORK INTERFACE FIG. 9 US 8,078,532 B2 1. 2 SMART CARD LOADING TRANSACTIONS the card reader and processor. As previously mentioned, a USING WIRELESS TELECOMMUNICATIONS consumer may wish to make a purchase using a Smart card at NETWORKS other times than when the consumer is at a merchant location. As such, there is a need for these consumers to be able to This application is a continuation of U.S. patent applica load value and to purchase goods and services when the tion Ser. No. 09/587,092 filed May 31, 2000 now U.S. Pat. consumer is mobile. No. 7,729,986 entitled “Smart Card Transactions Using A company named Newcom has implemented a dual Sub Wireless Telecommunications Network, which in turn scriber identification module (SIM) for use in a mobile tele claims priority of U.S.