BANK ISSUED CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION

• US 20090184163A1
• Filed: 03/23/2009
• Published: 07/23/2009
• Est. Priority Date: 12/04/2006
• Status: Active Grant

• Current Assignee: Ayman Hammad, Brian Triplett, Philip Dixon
• Original Assignee: Ayman Hammad, Brian Triplett, Philip Dixon
• Inventors: Dixon, Phil, Hammad, Ayman, Triplett, Brian
• Granted Patent: US 8,688,554 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

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.

Claims

1-15. -15. (canceled)

16. A method of programming a portable consumer device for use in conducting an access transaction, comprising:

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.

17. The method of claim 16, wherein the second data storage region is dynamically configurable.

18. The method of claim 16, wherein the access transaction is a transit system fare payment transaction.

19. The method of claim 16, wherein the portable consumer device is a contactless smart card.

20. A method of conducting an access transaction, comprising;

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.

21. The method of claim 20, wherein the payment device is a contactless smart card.

22. The method of claim 20, wherein the payment device further comprises:

a first data storage region dedicated to data for conducting a payment transaction using the payment account, 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 the access transaction and not containing the data for authenticating the payment transaction, wherein the second data storage region is dynamically configurable.

23. The method of claim 20, wherein the agent for the access transaction is a transit system agent.

24. The method of claim 20, wherein the agent for the access transaction is an entertainment venue agent.

25. A method of programming a portable consumer device configured for use in conducting a payment transaction and an access transaction, comprising:

accessing a data storage element contained in the portable consumer device, the data storage element containing a first region dedicated to data for use in conducting the payment transaction and a second region dedicated to data for use in conducting the access transaction;

accessing the second region dedicated to data for use in conducting the access transaction;

programming data into the second region to include data for use in conducting a second access transaction for permitting access to a venue or system, wherein the programming further comprises

programming data identifying an agent or agency responsible for controlling access to the venue or system into a first file contained in the second region; and

programming data for use in accessing the venue or system into a second file linked to the first file.

26. The method of claim 25, further comprising erasing data for use in conducting the access transaction prior to programming data into the second region, the programmed data including data for use in conducting the second access transaction.

27. The method of claim 26, further comprising erasing a file structure used to contain data for use in conducting the access transaction prior to programming data into the second region, the programmed data including data for use in conducting the second access transaction.

28. The method of claim 26, wherein the data for use in conducting the second access transaction is stored in whole or in part in an area of the second region that was previously occupied by data for use in conducting the access transaction.

29. The method of claim 25, wherein the agent or agency responsible for controlling access to the venue or system is a transit agency.

30. The method of claim 25, wherein the portable consumer device is a contactless smart card.

31. The method of claim 25, wherein the second region is dynamically configurable.

32. A method of providing a user with access to a venue or system, comprising:

accessing a data storage element contained in a portable consumer device, the data storage element including a first region containing data for use in conducting a payment transaction and a second region containing data for use in conducting an access transaction for access to a location other than the venue or system;

accessing the second region containing data for use in conducting the access transaction;

reconfiguring the second region to include a new file structure for storage of data for access to the venue or system;

programming data into the new file structure, the data including data for use in providing the user with access to the venue or system wherein the programming further comprises

programming data identifying an agent or agency responsible for controlling access to the venue or system into a first file contained in the second region; and

programming data for use in accessing the venue or system into a second file linked to the first file.

33. The method of claim 32, further comprising erasing the data for use in conducting the access transaction prior to programming data into the new file structure.

34. The method of claim 32, wherein the data for use in conducting the access transaction is contained in a first file structure, and wherein the method further comprises erasing the first file structure prior to reconfiguring the second region to include the new file structure for storage of data for access to the venue or system.

35. The method of claim 32, wherein the agent or agency responsible for controlling access to the venue or system is a transit agency.

36. The method of claim 32, wherein the portable consumer device is a contactless smart card.

37. The method of claim 32, wherein the second region is dynamically configurable.

38. A portable consumer device configured for use in conducting a payment transaction and a plurality of venue access or system access transactions, comprising:

a first data storage region dedicated to data for the payment transaction; and

a second dynamically configurable data storage region dedicated to data for the venue access or system access transactions, wherein the second region further comprises

an index file containing data identifying a file corresponding to each of the venue access or system access transactions, the index file including data identifying an agent or agency responsible for controlling access to each of the venues or systems; and

a plurality of data files containing access control data, wherein each of the plurality of data files is one of the files corresponding to each of the venue access or system access transactions and the file corresponding to each one of the venue access or system access transactions includes access control data for that venue or system.

39. The portable consumer device of claim 38, wherein the device includes a smart card.

40. The portable consumer device of claim 38, wherein the first data storage region includes payment transaction authentication data.

41. The portable consumer device of claim 38, wherein the agent or agency responsible for controlling access to at least one of the venues or systems is a transit agency.