Methods and apparatus for electronically storing and retreiving value information on a portable card

• US 20010016827A1
• Filed: 04/27/2001
• Published: 08/23/2001
• Est. Priority Date: 11/03/1997
• Status: Active Grant

• Current Assignee: Alberto Fernandez
• Original Assignee: Alberto Fernandez
• Inventors: Fernandez, Alberto
• Granted Patent: US 6,901,375 B2
• Time in Patent Office: Days
• US Class Current: 705/14
• CPC Class Codes: G06Q 20/3437 the counter having non-monetary units, e.g. trips
• CPC Class Codes: G06Q 30/0212 Chance discounts or incentives
• CPC Class Codes: G06Q 30/0223 based on inventory
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

Abstract

A value storage system in which information representing value is directly written to an easily portable storage medium as a reference fingerprint. The value storage system includes a plurality of read/write units for storing and retrieving the value information. Each of the read/write units may include a data authenticator for authenticating information previously stored on the storage medium, the authentication information consisting of a numerical representation of a level of trapped charges representing the reference fingerprint. The read/write units may be connected to a central server which retrieves information from each of the read write units, stores information, and provides various accounting and statistical analyses, as well as reconciling transactions between two or more read/write units. The value stored may represent units of value employed in a customer loyalty program which are stored on the portable media during a sales transaction and then later redeemed for purchase of or discounts on merchandise, a gaming player'"'"'s points or winnings, or any of a host of types of value related information which may be carried on a portable card.

Claims

1. An electronic value storage system, comprising:

a plurality of transportable solid-state media, each solid-state medium being adapted for the secure storage of information in a reference fingerprint, the information representing stored value; and

a plurality of electronic read/write units, each read/write unit being adapted to store and retrieve data from ones of the solid-state media, the read/write units being further adapted to read and write authentication information from and to the solid-state media, the authentication information being resistant to duplication and serving to locally identify a solid-state device containing authentic stored value information without accessing a remote authentication unit.

2. The value storage system of

claim 1

, wherein each of the read/write units is programmable with criteria by which value is to be added to the media.

3. The value storage system of

claim 2

, wherein each of the storage media includes a plurality of memory cells.

4. The value storage system of

claim 3

, wherein each of the read/write units further includes a data authenticator for securing data written to the media, the data authenticator programming data into each memory cell by applying a voltage which causes charges to be trapped in the memory cell, making a measurement of the level of trapped charges in the memory cell after the memory cell is programmed, generating a numerical representation of the level of trapped charges as a reference fingerprint of the memory cell, and storing the numerical representation as the reference fingerprint.

5. The value storage system of

claim 4

, wherein each of the data authenticators is operative to authenticate data stored in the memory cells, the data authenticator comparing the reference fingerprint to numerical representations of a subsequent measurement of the levels of trapped charges in the memory cells defining an authentication fingerprint, in order to determine whether the data stored in the memory cells is authentic.

6. The value storage system of

claim 1

, wherein the media are erasable programmable read-only memory chips.

7. The value storage system of

claim 3

, wherein the media are electrically erasable programmable read-only memory chips.

8. The value storage system of

claim 5

, wherein the system is a customer loyalty system, the value being stored on the media representing customer loyalty points earned through purchases.

9. The value storage system of

claim 5

, wherein the system is a gaming system, the value being stored on the media representing a game player'"'"'s points or winnings.

10. The value storage system of

claim 9

, wherein the game is Pachinko and read/write units are incorporated in Pachinko machines so that a player'"'"'s points are recorded onto the player'"'"'s card.

11. The value storage system of

claim 6

, wherein each of the read/write units is adapted to interface with a point-of-sale terminal, the read/write unit receiving sales information from the point-of-sale terminal and updating the value on one or more media according to the information received from the point-of-sale terminal and the criteria stored in the read/write unit.

12. The value storage system of

claim 7

, and also including a central server, each of the read/write unit being connectable to the central server, the central server being adapted to receive information from each read/write unit and transfer information to each read/write unit, the information received including sales and redemption transaction information, and point totals, the information transferred including point award and redemption criteria.

13. The value storage system of

claim 7

, wherein the central server is adapted to maintain customer accounts and profiles from the information received from the read/write unit, and is further adapted to maintain merchant and customer accounts, to furnish periodic activity and balance reports, and to perform clearing functions.

14. A read/write unit for reading and writing information onto a solid-state medium, comprising:

a data authentication unit for reading and writing authentication information onto the medium, the data authentication unit programming data into each memory cell by applying a voltage which causes charges to be trapped in the memory cell, making a measurement of the level of trapped charges in the memory cell after the memory cell is programmed, generating a numerical representation of the level of trapped charges as a reference fingerprint of the memory cell, and storing the numerical representation, the data authentication unit being further operative to authenticate stored authentication information by comparing the reference fingerprint to numerical representations of a subsequent measurement of the levels of trapped charges in the memory cells defining an authentication fingerprint, in order to determine whether the data stored in the memory cells is authentic

a reading unit for reading information from the medium; and

a writing unit for erasing previously written information from the medium and programming the medium with new information.

15. The read/write unit of

claim 14

, further comprising one or more interfaces for transmitting information to and receiving information from other devices, the information including transaction information.

16. The read/write unit of

claim 15

, further comprising a transaction log wherein details of each transaction involving updating one or more media is stored.

17. The read/write unit of

claim 16

, wherein the transaction log is stored in nonvolatile memory within the read/write unit.

18. The read/write unit of

claim 17

, further comprising an interface whereby the read/write unit is able to transfer the contents of the transaction log to another device.

19. The read/write unit of

claim 18

, further comprising a printer for printing details of each transaction.

20. A central server for use in a customer loyalty system, the server adapted to receive information from each of a plurality of read/write units and to transmit updated parameters to each of the read/write units, the server comprising:

a communications interface for receiving information from and transmitting information to each of the plurality of read/write units;

storage for storing the information received and the information to be transmitted;

a processor for analyzing and compiling the information received from each of the plurality of read/write units;

an output interface for generating reports of compiled information in desired formats; and

a user interface for programming information to be transmitted to each of the plurality of read/write units, the user interface being further operative to receive instructions for report generation.

21. A method of monitoring and rewarding customer loyalty, comprising:

providing each customer with an easily portable solid-state storage medium, the storage medium being receptive to the recording of information by a recording device;

when a customer makes a purchase, recording a number of points on the storage medium, the number of points recorded being related to the purchase by criteria stored in the recording device, the point total being stored directly on the storage medium, the storage medium comprising a plurality of semiconductor memory cells;

accepting points for redemption for purchase of or discounts on merchandise or services, the existing point totals being read from the storage medium, the points used being deducted from the total, and the new point total being stored on the storage medium; and

authenticating the storage medium before accepting it for a transaction, the method of authentication comprising;

programming data to the plurality of memory cells by applying a plurality of voltages such that charges are trapped in each of the memory cells;

measuring the levels of the trapped charges in the plurality of memory cells after the memory cells are programmed;

generating numerical representations of the measured levels of trapped charges as a reference fingerprint;

storing the reference fingerprint; and

comparing the reference fingerprint to numerical representations of a subsequent measurement of the levels of trapped charges in the memory cells defining an authentication fingerprint, in order to determine whether the data stored in the memory cells is authentic.

22. The method of

claim 21

, further comprising the step of programming each of the recording devices with the criteria for awarding of points.

23. The method of

claim 22

, wherein the recording device is programmed with the criteria through communication with a central sever.

24. The method of

claim 23

, further comprising the steps of:

recording every transaction resulting in award or redemption of points within a nonvolatile memory within each recording device;

periodically transmitting information from the non-volatile memory of each recording device to the central server;

storing the information from the non-volatile memory of each recording device within a server memory of the central server;

periodically generating information related to the transactions, using information stored in the server memory of the central server.

25. The method of

claim 24

, further comprising the step reconciling redemption transactions involving a plurality of point issuers and redeemers, the reconciling including the steps of:

analyzing all point redemptions by each redeemer during a specified period, said analysis including the identification of the issuer of each point redeemed;

offsetting all points of foreign issuers redeemed by a native issuer against points of the native issuer redeemed by the foreign issuers;

identifying remaining balances of points issued by foreign issuers redeemed by native issuers; and

presenting an invoice to each foreign issuer for all net point balances redeemed by each native issuer.