Patent ID: 7207495

Claim:
A data processing method for processing data using a portable terminal having an interface connected to an integrated circuit card, the integrated circuit card storing identification data and value data, said method comprising: sending, from a telephone to a financial institution, a request by a user to update the value data stored in the integrated circuit card of the portable terminal, the request including a withdrawal amount, account information, a password, and a call number of the portable terminal; authenticating, at the financial institution, the user request; sending, from the financial institution to a host center, the authenticated user request; wirelessly transmitting, from the host center to the portable terminal, the authenticated user request and a further request for authentication data; receiving, at the portable terminal, the further request for authentication data from said host center; wirelessly transmitting, from the portable terminal to the host center, the requested authentication data; authenticating, at the host center, the portable terminal based on the wirelessly transmitted authentication data; wirelessly transmitting, from the host center to the portable terminal, permission for updating the value data in the integrated circuit when the portable terminal has been authenticated; receiving, at the portable terminal, the permission for updating the value data in the integrated circuit card; updating, by the portable terminal via the interface, an amount of the value data stored in the integrated circuit card based on the received permission and the user request; receiving, at the portable terminal via the interface, a notification of completion of said updating of the value data stored in the integrated circuit card; and wirelessly sending, from the portable terminal to the host center, the notification of completion of said updating of the value data.