Electronic purse card value system terminal programming system and method

• US 6,032,135 A
• Filed: 04/27/1998
• Issued: 02/29/2000
• Est. Priority Date: 04/29/1997
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Spice-Kopischke, Joel, Gill, Robert Bradley, Symonds, Robert D., Goulet, Alan, Kurtek, Ed, Biwer, William, Welsh, Julie, Walsh, Mike, Molano, Rafael, Gianfagna, Lawrence, Gebhard, Richard, Roth, Douglas E.
• Primary Examiner(s): MacDonald, Allen R.
• Assistant Examiner(s): Jeanty, Romain
• Application Number:
  US09/067,838
• Time in Patent Office: 673 Days
• Field of Search: 705/41, 705/39, 705/35, 705/43, 705/42, 380/23, 380/24, 235/379, 235/380, 235/381, 235/457, 379/91.01, 379/91.02, 379/144, 379/455.01, 379/114
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

An electronic purse card value system (10) includes terminal devices (12). Each terminal device includes a processor (26) which is in operative connection with a memory (28) and a modem (36). The terminal devices operate in response to configuration data which is stored in the terminal memory. The configuration data is enabled to be programmed into the terminal device by transferring the configuration data from the memory of a smart card (24) which is read by a card reader (22) of the terminal device. The configuration data stored in the terminal may also be transferred to a smart card through the card reader. The smart card may then be taken to other terminals and used to program those terminals with similar configuration data.

Claims

1. A method comprising the steps of:

storing configuration data for a financial transaction terminal in a card memory supported on a card;

inserting the card into a card reader on the financial transaction terminal, the card reader being in operative connection with a terminal memory in the terminal;

reading the configuration data from the card memory with the card reader; and

storing the configuration data in the terminal memory.

2. The method according to claim 1 and further comprising the steps of:

removing the card from the card reader; and

operating the terminal responsive to the configuration data in the terminal memory.

3. The method according to claim 1 wherein the configuration data includes a number for communication with a transaction host, and wherein the terminal is in operative connection with a communications device, and further comprising the step of communicating with the transaction host corresponding to the number through the communications device.

4. The method according to claim 3 wherein the number includes a phone number and the communications device includes a modem, and wherein in the communicating step the terminal communicates through the modem with the transaction host accessed at the phone number.

5. The method according to claim 1 wherein the configuration data includes a number for communicating with a settlement host, and wherein the terminal is in operative connection with a communications device, and further comprising the step of communicating with the settlement host corresponding to the number through the communications device.

6. The method according to claim 5 wherein the configuration data further includes a settlement time, and wherein the communicating step is carried out at a time responsive to the settlement time included in the configuration data.

7. The method according to claim 1 wherein the configuration data further includes data representative of indicia to be printed on a form, and further comprising the step of printing a form including the indicia with a printer device on the terminal.

8. The method according to claim 7 wherein the indicia corresponds to text on a receipt form, and wherein in the printing step the form printed is a receipt form.

9. The method according to claim 1 and further comprising the step of printing with a printing device of the terminal the configuration data read from the card memory.

10. The method according to claim 1 and further comprising the steps of:

modifying the configuration data stored in the terminal memory to produce a modified configuration data;

inserting another card having another card memory thereon into the card reader on the terminal; and

storing the modified configuration data in the card memory.

11. The method according to claim 10 and further comprising the steps of:

inserting the another card into a further card reader on a further transaction terminal, the further card reader being in operative connection with a further terminal memory in the further terminal;

reading the modified configuration data from the another card memory with the further card reader; and

storing the modified configuration data in the further terminal memory.

12. A method comprising the steps of:

placing a card having a card memory supported thereon into a first card reader of a first financial transaction terminal, the first financial transaction terminal including a first terminal memory in operative connection with the first card reader, the first terminal memory including configuration data;

transferring the configuration data from the first terminal memory to the card memory through the first card reader;

removing the card from the first card reader;

inserting the card into a second card reader on a second financial transaction terminal, the second transaction terminal including a second terminal memory in operative connection with the second card reader;

further transferring the configuration data from the card memory to the second terminal memory through the second card reader.

13. The method according to claim 12 and further comprising the steps of:

removing the card from the second card reader; and

operating the second transaction terminal responsive to the configuration data in the second terminal memory.

14. The method according to claim 13 wherein the operating step includes transmitting a message from the second financial transaction terminal to a remote host computer.

15. Apparatus comprising:

a financial transaction terminal, the terminal including a card reader and a terminal memory, wherein the terminal memory is in operative connection with the card reader, and wherein the terminal memory is enabled to hold configuration data, wherein the terminal operates responsive to the configuration data;

a smart card, the smart card including a card memory thereon, wherein the card memory includes terminal configuration data; and

wherein when the smart card is inserted in the card reader the configuration data is copied from the card memory to the terminal memory, whereby the terminal is enabled to operate in accordance with the configuration data.

16. The apparatus according to claim 15 wherein the configuration data includes data representative of a number, whereby the number corresponds to an access number to access a host computer, and wherein the terminal is in operative connection with a communications device, and wherein the terminal is operative responsive to the configuration data to operate the communications device to communicate using the access number, whereby the terminal is enabled to communicate with the host.

17. The apparatus according to claim 15 wherein the configuration data includes data representative of a settlement time, and wherein the terminal is in operative connection with a communications device, and wherein the terminal is operative responsive to the configuration data to communicate through the communications device at a time corresponding to the settlement time.

18. A method comprising the steps of:

storing configuration data for a financial transaction terminal in a card memory supported on a card;

inserting the card into a card reader on the financial transaction terminal, the card reader being in operative connection with a terminal memory in the terminal;

reading the configuration data from the card memory with the card reader;

storing the configuration data in the terminal memory; and

carrying out a plurality of transactions for a plurality of users with the terminal responsive to the configuration data stored in terminal memory.

19. Apparatus comprising:

a financial transaction terminal, the terminal including a card reader and a terminal memory, wherein the terminal memory is in operative connection with the card reader, and wherein the terminal memory is enabled to hold configuration data, wherein the terminal operates to carry out a plurality of transactions for a plurality of users responsive to the configuration data stored in terminal memory;

a card including a card memory thereon, wherein the card memory includes terminal configuration data; and

wherein when the card is inserted in the card reader, terminal configuration data is read from the card memory, and wherein the terminal is operative to copy the terminal configuration data from the card memory to the terminal memory.