BANK ISSUED CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION
First Claim
1. A portable consumer device for use in conducting a transaction, comprising:
- an interface configured to communicate and exchange data with an element of a transaction processing system;
a data storage element, the data storage element partitioned into at least two regions, wherein the at least two regions comprisea first region dedicated to data for a commerce transaction; and
a second region dedicated to data for a different type of transaction than the commerce transaction; and
a control module coupled to the interface and data storage element and configured to control the transfer of data between the interface and data storage element.
1 Assignment
0 Petitions
Accused Products
Abstract
An architecture for 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
24 Claims
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1. A portable consumer device for use in conducting a transaction, comprising:
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an interface configured to communicate and exchange data with an element of a transaction processing system; a data storage element, the data storage element partitioned into at least two regions, wherein the at least two regions comprise a first region dedicated to data for a commerce transaction; and a second region dedicated to data for a different type of transaction than the commerce transaction; and a control module coupled to the interface and data storage element and configured to control the transfer of data between the interface and data storage element. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A contactless smart card device, comprising:
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a first data storage region dedicated to data for a payment transaction and including data for authenticating the payment transaction, the first data storage region protected to prevent access by other than the payment transaction; and a second data storage region dedicated to data for a different type of transaction than the payment transaction and not containing the data for authenticating the payment transaction, wherein the second data storage region is dynamically configurable. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A method of programming a portable consumer device for use in conducting an access transaction, comprising:
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accessing data from a first data storage region of the device, the accessed data including data used in a process for authenticating a payment transaction and protected from access by other than the process for authenticating the payment transaction; authenticating the payment transaction; establishing account data for the access transaction, the account data including account identification data different from the data used in the process for authenticating the payment transaction, wherein the account identification data is cross-referenced to at least some of the data used to authenticate the payment transaction; and writing data required to conduct the access transaction to a second storage region of the device, wherein the second storage region is dedicated to data for the access transaction. - View Dependent Claims (17, 18, 19)
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20. A method of conducting an access transaction, comprising;
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receiving data read from a data storage region of a payment device, the data including access transaction account identification data; cross-referencing the access account identification data to payment account identification data; processing the received data and payment account identification data to authorize the access transaction; and communicating the authorization to an agent for the access transaction. - View Dependent Claims (21, 22, 23, 24)
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Specification