Method of making recoverable smart card transactions, a method of recovering such a transaction, as well as a smart card allowing recoverable transactions

• US 6,070,795 A
• Filed: 09/23/1997
• Issued: 06/06/2000
• Est. Priority Date: 09/24/1996
• Status: Expired due to Fees

• Current Assignee: Koninklijke KPN NV
• Original Assignee: Koninklijke KPN NV
• Inventors: Feiken, Albertus
• Primary Examiner(s): Le, Thien M.
• Assistant Examiner(s): Felten, Daniel S
• Application Number:
  US08/935,914
• Time in Patent Office: 987 Days
• Field of Search: 235/492, 235/380, 235/379, 235/382, 235/375, 235/384, 235/383, 902/1, 902/13, 902/21, 902/22, 902/26
• US Class Current: 235/380
• 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: 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 method of recovering and thus possibly completing interrupted smart card transactions includes providing a smart card that stores a first and a second pointer, the second pointer being used to indicate an update of the first pointer. In the case of an interruption of a smart card transaction, these pointers are be used to indicate whether a change of a card balance has taken place by the equality of the values of these pointers.

Claims

1. A method of recovering and completing an interrupted smart card transaction including an exchange of data between a terminal and a smart card, wherein said interrupted smart card transaction takes place before said exchange of data is completed, said method comprising the steps of:

retrieving an old balance from a memory location of the smart card, said memory location being indicated by a value of a first pointer;

adding an offset value to a value of a second pointer that is initially equal to the value of the first pointer to form a value indicating a memory location of the smart card for storing a new balance;

storing the card balance in the location of said memory indicated by the sum of the value of the first pointer and the offset;

adding the offset to the value of the first pointer;

be found;

comparing, in the smart card, the values of the first and second pointers and concluding from an equality of the values of the first and second pointers that the new balance has been stored in the memory of the smart card and concluding from an inequality of the values of the first and second pointers that the new balance has not been stored in the memory of the smart card; and

wherein said completing an interrupted smart card transaction occurs after an interruption of an exchange of data between a terminal and a smart card and comprises the additional steps of,

sending a restore command from said terminal to said smart card,

checking whether the value of the first pointer and the value of the second pointer are equal, and

when the checking step determines that the value of the first pointer and the value of the second pointer are equal, sending an acknowledgement from the smart card to the terminal.

2. The method as claimed in claim 1, wherein the transaction is a decrease transaction in which the balance of the smart card is decreased.

3. The method as claimed in claim 1, further comprising selecting the offset to have value of one.

4. The method as claimed in claim 1, further comprising the step of storing in the smart card a random number received from the terminal.

5. The method as claimed in claim 4, further comprising the step of invalidating the random number stored in the smart card when the smart card receives a new balance influencing command.

6. The method as claimed in claim 1, further comprising the step of producing in the smart card a response message after the step of adding the offset to the value of the first pointer and adding a message authentication code to the response message.

7. The method as claimed in claim 6, further comprising,

storing in the smart card a random number received from the terminal,

receiving a restore command,

responding to the received restore command to retrieve the random number,

generating a message authentication code in the smart card using the retrieved random number,

adding said authentication code to the acknowledgment,

checking, in the terminal, the authentication code, and

discarding the acknowledgment if the authentication code is not correct.