Process as safety concept against unauthorized use of a payment instrument in cashless payment at payment sites
First Claim
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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Accused Products
Abstract
The process provides a staggered degree of security as a safety concept against unauthorized use of a transaction card for purchasing of items. The card has four memories memorizing an amount of money, a money installment and its limiting value, a number of usable transactions and its limiting value, further data for doing an identity check of the ownership of the cardholder and also an authenticity check. The card is usable at three different types of payment instruments with or without an identity check and/or an authenticity check.
87 Citations
9 Claims
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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, comprising
memorizing 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, and subtracting 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, and setting free the said chosen items, if exceeding, rejecting said card (1) without setting free said items.
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5. A system for cashless payment with a staggered degree of security as a safety concept against unauthorized use of a transaction card (1) for purchasing of items, comprising
said card (1) having a first memory (11) with an amount of money entered therein, a second memory (9) on said card with a money installment value and a limiting installment value entered therein, a third memory (7) on said card with an integral value indicating the number of possible purchasing events and a limiting integral value entered therein, a fourth memory (5) on said card with first information data for identifying the card owner, said system having a first payment site (14) with memory means (23) for a payment amount of purchased items, first read/write means (17) for reading said installment value in said second memory (9), a first comparator (22), and a first data processing unit (21) for processing said installment value from said read/write means with said payment amount from said memory means for obtaining a new amount and changing the integral value by one for obtaining a new integral value, and storing said new amount and said new integral value into said second and said third memories (9, 7) respectively, on said card if calculated by said comparator (22) they do not surpass said limiting installment value or said limiting money integral value, said system having a second payment site (25) with second read/write means (30) for reading the data of the first to fourth memories (11, 9, 7, 5) and writing in new data, with a second data processing unit (29, 33-36), and with second input means (27) for the card owner to enter in second information data, said second data processing unit (29, 33-36) processing off-line said first and said second information data for identifying the cardholder as card owner only by obtaining confirmation, then transferring a predetermined money installment value from said first memory (11) to said second memory (9) and setting said integral value of said third memory (7) to an initial value.
Specification