Patent ID: 9020853
Filing Date: 2015-04-28
Classification: G06Q,G07F

Abstract:
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 S 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 S 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 S validating, by said smart card, said cryptographic signature S loading said load value into a stored-value application of said smart card.