Patent ID: 8019684
Filing Date: 2011-09-13
Classification: G06Q,G07F

Abstract:
1. A method of loading value onto a subscriber identification module (SIM) located within a mobile telephone handset of a user, said method comprising: sending a funds request message from said SIM to a bank system that controls an account of said user, said funds request message including a load value and a funding account identifier that identifies said account of said user; sending a funds response message from said bank system to said SIM indicating an approval to debit said user account by said load value; sending a load request message from said SIM to an issuer system, said load request message including a first cryptographic signature, wherein said first cryptographic signature is generated using a first cryptographic key shared between said SIM and an issuer; validating said first cryptographic signature by said issuer system and authenticating said SIM; sending a load response message from said issuer system to said SIM including a second cryptographic signature, wherein said second cryptographic signature is generated using a second cryptographic key shared between said SIM and said issuer; validating, by said SIM, said second cryptographic signature; and loading said load value into a stored-value application of said SIM.