System for smart card funds refill

• US 5,884,292 A
• Filed: 05/06/1993
• Issued: 03/16/1999
• Est. Priority Date: 05/06/1993
• Status: Expired due to Term

• Current Assignee: Pitney Bowes Incorporated (Böwe Systec AG)
• Original Assignee: Pitney Bowes Incorporated (Böwe Systec AG)
• Inventors: Heiden, Richard W., Baker, Walter J., Gargiulo, Joseph L.
• Primary Examiner(s): Tkacs, Stephen R.
• Application Number:
  US08/057,381
• Time in Patent Office: 2,140 Days
• Field of Search: 364/401, 364/408, 235/375, 235/380, 235/437
• US Class Current: 705/403
• 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 20/4093 Monitoring of device authentication
• CPC Class Codes: G07B 17/0008 Communication details outside or between apparatus coin-freed apparatus for franking per se G07F17/26
• CPC Class Codes: G07B 17/00193 Constructional details of apparatus in a franking system
• CPC Class Codes: G07B 17/00733 Cryptography or similar special procedures in a franking system
• CPC Class Codes: G07B 2017/00096 via phone lines
• CPC Class Codes: G07B 2017/00161 from a central, non-user location, e.g. for updating rates or software, or for refilling funds
• CPC Class Codes: G07B 2017/00177 from a portable device, e.g. a card or a PCMCIA
• CPC Class Codes: G07B 2017/00282 Touch screen
• CPC Class Codes: G07B 2017/00306 Acoustic, e.g. voice control or speech prompting
• CPC Class Codes: G07B 2017/00701 Measuring the weight of mailpieces
• CPC Class Codes: G07B 2017/00758 Asymmetric, public-key algorithms, e.g. RSA, Elgamal
• CPC Class Codes: G07F 17/26 for printing, stamping, franking, typing or teleprinting apparatus ticket printing or the like apparatus G07F17/42
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

A system for providing items of value, charging the items to a smart card, and for recharging the smart card. The system includes a station for providing the items of value, which may be postal services, and debiting the cost of the items to a smart card; the smart card being charged with funds equivalent data. The station also communicates with a Data Center for recharging the smart card. Users of the system communicate with the data center to request recharge of a particular smart card and in response to an authorized request the data center generates an encrypted authorization message which includes an identification number, the amount of recharge requested, and control data which preferably includes a control sum formed by adding the amounts stored in a descending register, which stores the amount available on the smart card, and an ascending register which stores the total of the amounts by which the card has been charged since initialization. Thus, the authorization message may be used only once. From time-to-time the Data Center transmits authorization messages to each station on the system. When a particular smart card for which an authorization message has been received is connected to a station, the smart card compares the control data with the control data stored on the smart card and if there is a match updates the funds equivalent data in the descending register of the smart card. To provide security against transmission of false authorization messages to a station, the authorization messages are encrypted, preferably using a public key encryption system.

Claims

1. A system for providing items of value, comprising:

a) a station for providing said items of value and debiting the cost of said items of value to a smart card, said smart card being charged with funds equivalent data, and for recharging said smart card, said station further comprising;

a1) a controller

a2) a smart card reader operatively connected to said controller;

a3) input means for input of control signals to said controller controlling provision of said items of value; and

a4) providing means, responsive to said controller, for dispensing said items of value;

b) data processing means for generating an authorization signal unique to a particular smart card

c) communication means for connecting said station and said data processing means responsive to said data processing means for transmitting said unique authorization signal to said station;

wherein

d) said station is responsive to reception of said authorization signals and connection of said particular smart card to said card reader to recharge said smart card, wherein, from time to time, said data processing means transmits a plurality of said authorization signals to each of said stations, through said communications means, and, wherein said authorization signals are one-time signals which can only be used to recharge said particular smart card a single time.

2. A system as described in claim 1, wherein said items of value comprise franking of mail pieces.

3. A system as described in claim 1, wherein said authorization signal comprises an encrypted message.

4. A system as describe in claim 3, wherein said encrypted message comprises control data relating to said particular smart card for identifying said particular smart card.

5. A system as described in claim 4, wherein said control data comprises a control sum.

6. A system as described in claim 3, wherein said message is encrypted using the private key of a public key encryption system and decrypted by said smart card using the public key of said encryption system, whereby compromise of said smart card will not comprise the capability to generate said encrypted message.

7. A system as describe in claim 1, further comprising a plurality of said stations, wherein, from time-to-time, said processing means transmits a plurality of said authorization signals to each of said stations through said communications means;

each of said stations storing said plurality of authorization signals and, upon connection of one of said particular smart card corresponding to one of said stored authorization signals recharging said corresponding particular smart card and deleting the corresponding one of said stored authorization signal.

8. A system as described in claim 7, further comprising means for purging said stored authorization signals.

9. A system as described in claim 1, wherein users communicate with said data processing means to request recharge of particular smart cards over a telephone or similar public access network.

10. A system as described in claim 9 wherein said user receives a bill for use of said telephone or similar public access network;

said bill including a surcharge for recharge of said particular smart cards.

11. A station for providing items of value for franking mail pieces and debiting the cost of said items of value to a smart card, said smart card being charged with fudns equivalent data, and for recharging said smart card, comprising:

a) a controller;

b) a smart card reader operative connected to said controller;

c) input means for input of contorl signals for contolling provision of said items of value to said controller;

d) providing means, responsive to said controller for dispensing said items of value;

e) receiving means for receiving encrypted authorization signals unique to particular smart cards, wherein said encrypted message comprises a control sum relating to said particular smart card for identifying said particular smart card;

wherein,

f) said station is responsive to reception of an authorization signal and connection of a corresponding smart card to said card reader to recharge said corresponding smart card.

12. A station as described in claim 11, wherein said encrypted message comprises control data relating to said particular smart card for identifying said particular smart card and wherin said control data comprises a control sum.

13. A station as described in claim 11, wherein said message is encrypted using the private key of a public key encryption system and decrypted by said smart card using the public key of said encryption system, whereby compromise of said smart card will not comprise the capability to generate said encrypted message.

14. A method of recharging smart cards, with funds equivalent data comprising the steps of:

a) receiving a request to recharge a particular smart card;

b) generating an encrypted authorization signal unique to said particular smart card, wherein said encrypted signal comprises control sum relating to said particular smart card for identifying said particular smart card,

c) transmitting said authorization signal to a station for providing items of value to users of said smart cards and debiting the cost of said items of value to said smart cards;

said station then,

d) responding to receipt of said authorization signal and connection of said particular smart card to said station to recharge said particular smart card with funds equivalent data.

15. A method as described in claim 14, wherein said items of value comprise franking of mail pieces.

16. A method as described in claim 14, wherein said encrypted message comprises control data relating to said particular smart card for identifying said particular smart card.

17. A method as described in claim 16, wherein said control data comprises a control sum.

18. A method as described in claim 14, wherein said message is encrypted using the private key of a public key encryption system and decrypted by said smart card using the public key of said encryption system, whereby compromise of said smart card will not comprise the capability to generate said encrypted message.

19. A method as described in claim 14, wherein a user inputs said request over a telephone or similar public access network and said user receives a bill for use of said network said bill including a surcharge for recharging of said particular smart card.