System and method for increasing a value of an electronic payment card including performing a restore transaction in response to interruption of a value increase transaction

• US 6,062,472 A
• Filed: 11/18/1997
• Issued: 05/16/2000
• Est. Priority Date: 12/23/1996
• Status: Expired due to Fees

• Current Assignee: Koninklijke Philips N.V.
• Original Assignee: Koninklijke Philips N.V.
• Inventors: Cheung, Wing Keung
• Primary Examiner(s): Hajec, Donald
• Assistant Examiner(s): Fureman, Jared
• Application Number:
  US08/972,627
• Time in Patent Office: 910 Days
• Field of Search: 235/379, 235/380, 235/492, 902/5, 902/26, 902/38, 902/40, 705/35, 705/39, 705/41, 705/44
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/082 Features insuring the integrity of the data on or in the card
• 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

Abstract

A system for increasing the value of an electronic payment card. The system comprises, e.g., a security module arranged for authentication of the card, and an authorizing device for authorizing a value increase transaction to the card. The system is arranged for sending a value increase message to the card, upon which the value stored in memory in the card is increased, if the card has been found to be authentic and the value increase transaction thereof has been authorized. The system also has memory, in which identification data of the card is stored and, linked thereto, data relating to the authorization of the value increase of the card. If a value increase transaction is interrupted after authorization for the transaction had been given, a restore transaction occurs. In the restore transaction, the authenticity of the card is checked and the value increase transaction occurs on the basis of the authorization information previously stored in the system memory during the value increase transaction. Hence, through the system, interrupted value increase transactions may be recovered without the need for a new authorization.

Claims

1. A system for performing a restore transaction, in response to interruption of a value increase transaction involving a particular electronic payment card, after an authorization for the transaction has been given to the card for the value increase transaction, wherein the particular card stores a balance, the system comprising:

(A) an authentication device which determines authenticity of the card and, in response thereto, generates an authentication of the card;

(B) an authorization device which checks authenticity of the card and generates an authorization to increase the balance of the card;

(C) a storage device which stores a plurality of restore records, each one of the records having identification data, which identifies a corresponding one of a plurality of electronic payment cards, and authorization data which authorizes an increase of a balance stored in the corresponding one card; and

(D) a control device coupled to the authentication device, the authorization device, and the storage device, the control device being capable of communicating with the card;

(E) wherein the control device performs the value increase transaction which, prior to the interruption, comprises the operations of;

(E1) receiving the payment card authentication for the particular card so as to define a received payment card authentication;

(E2) receiving the balance increase authorization for the particular card so as to define a received balance increase authorization;

(E3) generating a balance increase message in response to the received payment card authentication and the received balance increase authorization; and

(E4) sending the balance increase message, including the received balance increase authorization, to the storage device such that the received balance increase authorization can be stored, as authorization data, in an associated one of the restore records corresponding to the particular card; and

(F) wherein the control device performs the restore transaction which, after the interruption of the value increase transaction occurs, comprises the operations of;

(F1) determining that the value increase transaction was interrupted; and

(F2) ascertaining a last value increase transaction message sent prior to the interruption and resuming the value increase transaction at its point of the interruption, wherein the resuming operation further checks authenticity of the particular card and performs the last value increase transaction, after the interruption, in response to the authorization data stored in said associated one restore record, wherein the performing operation;

(F2a) retrieves the authorization data, for the particular card, stored in the associated one restore record, so as to define a retrieved balance increase authorization; and

(F2b) re-sends the balance increase message to the particular card in response to the retrieved balance increase authorization.

2. The apparatus recited in claim 1 wherein the apparatus compares a card profile received from the particular card and a card profile stored by the authorization device, and if the profiles are different, writes the profile stored by the authorization device into the particular card.

3. The apparatus recited in claim 1 further comprising monitoring means for monitoring the authentication device and the storage device, wherein the monitoring means generates an alarm signal upon malfunction of either the authentication device or the storage device.

4. The apparatus recited in claim 1 wherein the control device determines, by communicating with the particular card, that the value increase transaction was interrupted.

5. The apparatus recited in claim 4 wherein the control device determines, by observing a state of a flag stored in the particular card, that the value increase transaction was interrupted.

6. A method for use in conjunction with an electronic payment card, the electronic payment card capable of storing a balance, the method comprising the steps of:

(A) generating an authentication of the electronic payment card;

(B) generating an authorization to increase the balance of the electronic payment card;

(C) storing a plurality of restore records in a storage device, each one of the records having identification data, which identifies a corresponding one of a plurality of electronic payment cards, and authorization data which authorizes an increase of the balance of the corresponding one payment card;

(D) performing an increase transaction in a control device for a particular one of the plurality of payment cards, wherein the increase transaction performing step comprises;

(D1) receiving authentication of the particular one payment card so as to define a received payment card authentication;

(D2) receiving the balance increase authorization for the particular one payment card so as to define a received balance increase authorization;

(D3) generating a balance increase message in response to the received payment card authentication and received balance increase authorization; and

(D4) sending the balance increase message, including the received balance increase authorization, to the storage device such that the balance increase authorization is stored in a corresponding one of the restore records associated with the particular one payment card; and

(E) performing a restore transaction if the increase transaction for the particular one payment card was interrupted, wherein the restore transaction performing step comprises;

(E1) determining that the increase transaction was interrupted;

(E2) retrieving authorization data stored in the corresponding one restore record so as to define a retrieved balance increase authorization; and

(E3) re-sending the balance increase message to the particular one payment card in response to the retrieved balance increase authorization.

7. The method recited in claim 6 wherein the determining step comprises a step of communicating with the particular one payment card.

8. The method recited in claim 7, wherein the determining step comprises a step of observing a state of a flag stored in the particular one payment card.