Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number

• US 5,991,413 A
• Filed: 06/12/1997
• Issued: 11/23/1999
• Est. Priority Date: 06/21/1996
• Status: Expired due to Fees

• Current Assignee: Orange S.A.
• Original Assignee: Orange S.A.
• Inventors: Milano, Sophie, Boulot, Olivier, Arditti, David, Campana, Mireille
• Primary Examiner(s): Gregory, Bernarr E.
• Application Number:
  US08/873,653
• Time in Patent Office: 894 Days
• Field of Search: 705/1, 705/14, 235/379, 235/380, 235/487, 235/493, 235/494, 235/492, 235/381, 235/382, 235/382.5, 379/111, 379/114, 379/143, 379/144, 379/154, 379/155, 379/112, 379/113, 380/4, 380/23, 380/24, 380/25, 380/49, 380/50, 380/59
• US Class Current: 705/77
• CPC Class Codes: G06Q 20/0652 e-cash with decreasing value according to a parameter, e.g. time
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/3437 the counter having non-monetary units, e.g. trips
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07F 17/0028 Use of a wired telephone or public communication device charging and metering the use of the telecommunication network H04M17/02

Abstract

The present invention relates to a process for accepting a request for use of a virtual prepaid card involving the following stages:

a user of a virtual prepaid card is connected to a server containing a data base, particularly version numbers, which are incremented when the corresponding cards are empty or obsolete,

said user is authenticated with the server by communicating thereto an authentication sequence and a version number,

said server supplies these numbers to a security processor having the capacity to recalculate the authentication sequence and check the validity thereof,

in the case of the validity thereof, the processor transmits to the server a consumption authorization,

after receiving said authorization the server gives agreement to the use request, within the limits of the credit remaining on the card and the validity date of the latter.

Claims

1. Process for the acceptance of a use request of a virtual prepaid card permitting reuse of serial numbers, involving the following stages:

a user of a virtual prepaid card is connected to a server containing a data base of serial numbers used for identifying prepaid cards, remaining credits to be consumed and validity dates of said cards,

said user obtains authentication from the server by communicating thereto an authentication sequence,

said server supplies said sequence to a security processor that checks the validity thereof,

in the case of the validity thereof, the processor transmits a consumption authorization to the server,

after receiving said authorization, the server gives its agreement to the use request, within the credit limits remaining on the card and the validity date thereof,

wherein during a use request, the server supplies the security processor with, besides the authentication sequence, a version number associated with each card, which is incremented when the card is empty or obsolete and which is stored in the server data base and wherein said processor recalculates the authentication sequence, which is dependent on the version number, prior to checking its validity.

2. Process according to claim 1, wherein the authentication sequence is fixed and constituted by a serial number and a certificate.

3. Process according to claim 2, wherein the certificate is calculated by applying a cryptographic algorithm to the serial number, to the version number and to a secret mother key.

4. Process according to claim 2, wherein the version number stored in the server data base is initially zero and further comprising the steps of:

a) creating a virtual prepaid card, wherein the certificate is calculated during said creation of the card so as to form the fixed authentication sequence to be introduced into a material, virtual prepaid card,

b) for each use of the card, communicating to the security processor the version number of the virtual prepaid card stored in the server data base and the security processor checking the certificate, and

c) after the virtual card is empty or obsolete, repeating step a) to create a new virtual card having a same serial number by incrementing the version number and repeating step b) for the new card.

5. Process according to claim 1, wherein the authentication sequence is variable and constituted by a serial number and an authenticator.

6. Process according to claim 5, wherein a secret daughter key, which makes it possible to calculate the authenticator, is calculated by applying a cryptographic algorithm to the serial number, to the version number and to a secret mother key.

7. Process according to claim 6, wherein the version number stored in the server data base is initially zero and further comprising the steps of:

a) creating a virtual prepaid card, wherein the secret daughter key is calculated during said creation of the card so as to form the secret daughter key to be introduced into a material, virtual prepaid card,

b) for each use of the card, communicating to the security processor the version number of the virtual prepaid card stored in the server data base and the security processor calculating the secret daughter key and then checking the authenticator, and

c) after the virtual card is empty or obsolete, repeating step a) to create a new virtual card having a same serial number by incrementing the version number and repeating step b) for the new card.

8. Process according to claim 1, wherein the prepaid card is a prepaid phone card and wherein the use request is that of a phone connection.