Bank issued contactless payment card used in transit fare collection
First Claim
1. A method comprising:
- receiving, by a device, first data for a first transaction at a contactless element interface of the device;
processing, by the device, the first data for the first transaction in a first data storage region of a data storage element of the device using a payment application stored in the first data storage region;
receiving, by the device, second data for a second transaction at the contactless element interface;
processing, by the device, the second data for the second transaction in a second data storage region of the data storage element, wherein processing the second data for the second transaction includes;
accessing, by the device, an index file in the second data storage region, wherein the index file is specific to an agency associated with the second transaction, and wherein the index file identifies a plurality of data files organized within the index file,identifying, by the device, a data file of the plurality of data files that includes processing instructions associated with the agency,executing, by the device, processing instructions identified by the data file, andupdating, by the device, the data file of the plurality of data files according to the second data for the second transaction;
receiving, by the device, third data for a third transaction at the contactless element interface; and
processing, by the device, the third data for the third transaction in the second data storage region of the data storage element, wherein processing the third data for the third transaction includes;
retrieving, by the device, the second data for the second transaction in the second data storage region, andprocessing, by the device, the third transaction according to the second data.
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Accused Products
Abstract
An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
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Citations
22 Claims
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1. A method comprising:
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receiving, by a device, first data for a first transaction at a contactless element interface of the device; processing, by the device, the first data for the first transaction in a first data storage region of a data storage element of the device using a payment application stored in the first data storage region; receiving, by the device, second data for a second transaction at the contactless element interface; processing, by the device, the second data for the second transaction in a second data storage region of the data storage element, wherein processing the second data for the second transaction includes; accessing, by the device, an index file in the second data storage region, wherein the index file is specific to an agency associated with the second transaction, and wherein the index file identifies a plurality of data files organized within the index file, identifying, by the device, a data file of the plurality of data files that includes processing instructions associated with the agency, executing, by the device, processing instructions identified by the data file, and updating, by the device, the data file of the plurality of data files according to the second data for the second transaction; receiving, by the device, third data for a third transaction at the contactless element interface; and processing, by the device, the third data for the third transaction in the second data storage region of the data storage element, wherein processing the third data for the third transaction includes; retrieving, by the device, the second data for the second transaction in the second data storage region, and processing, by the device, the third transaction according to the second data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A device comprising:
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a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising; receiving, by the device, first data for a first transaction at a contactless element interface of the device; processing, by the device, the first data for the first transaction in a first data storage region of a data storage element of the device using a payment application stored in the first data storage region; receiving, by the device, second data for a second transaction at the contactless element interface; processing, by the device, the second data for the second transaction in a second data storage region of the data storage element, wherein processing the second data for the second transaction includes; accessing, by the device, an index file in the second data storage region, wherein the index file is specific to an agency associated with the second transaction, and wherein the index file identifies a plurality of data files organized within the index file, identifying, by the device, a data file of the plurality of data files that includes processing instructions associated with the agency, executing, by the device, processing instructions identified by the data file, and updating, by the device, the data file of the plurality of data files according to the second data for the second transaction; receiving, by the device, third data for a third transaction at the contactless element interface; and processing, by the device, the third data for the third transaction in the second data storage region of the data storage element, wherein processing the third data for the third transaction includes; retrieving, by the device, the second data for the second transaction in the second data storage region, and processing, by the device, the third transaction according to the second data. - View Dependent Claims (21, 22)
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Specification