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Process as safety concept against unauthorized use of a payment instrument in cashless payment at payment sites

  • US 5,478,993 A
  • Filed: 01/18/1994
  • Issued: 12/26/1995
  • Est. Priority Date: 01/18/1993
  • Status: Expired due to Fees
First Claim
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1. A process with a staggered degree of security as a safety concept against unauthorized use of a transaction card (1) for purchasing of items, comprisingmemorizing an amount of money with a first memory (11) on the card,memorizing in a second memory (9) on the card a second value of an amount of a money installment and a limiting amount of said money installment,memorizing in a third memory (7) on the card a third value referring to the number of transactions done using said second memory (9) or a predetermined initial value and a limiting value of said number of transactions,memorizing in a fourth memory (5) on the card first information data of the card owner,using the transaction card at a first and a second payment site (14, 25),processing in a first processing step by reading said first information data from said transaction card (1) at said second payment site (25),the cardholder inserting second information data into said second payment site (25),processing said first and second information data off-line in said second payment site (25) for an identity check of the ownership of said cardholder,on receiving a positive result, transferring a predetermined value of said money installment from said amount in said first memory (11) as a second value to said second memory (9) and a predetermined initial value is set as a third value in said third memory (7), and said card (1) being rejected,on receiving a negative result, rejecting said card without transferring said money installment and without said pre-determined initial value,processing in a second processing step items being chosen,processing in a third processing step, at the first payment site (14) said card (1) without any identity check and without any authenticity check,calculating the payment amount of said items, andsubtracting the calculated payment amount from said second value in said second memory (9), receiving a new second amount, and the value of the third memory (7) being changed by one giving a new third value,checking in a fourth processing step said new third value and said new second amount if exceeding said limiting amount of said money installment or said limiting value of said number of transaction,if not exceeding, memorizing said new second amount in said second memory (9) and said new third value in said third memory (7) in the place of the former second amount and the former second value, andsetting free the said chosen items,if exceeding, rejecting said card (1) without setting free said items.

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