Electronic purse card value system card security method

• US 6,330,978 B1
• Filed: 04/27/1998
• Issued: 12/18/2001
• Est. Priority Date: 04/29/1997
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Goulet, Alan, Kurtek, Ed, Biwer, William, Welsh, Julie, Walsh, Mike, Molano, Rafael, Gianfagna, Lawrence, Gebhard, Richard, Roth, Douglas E., Spice-Kopischke, Joel, Gill, Robert Bradley, Symonds, Robert D.
• Primary Examiner(s): Frech, Karl D.
• Assistant Examiner(s): St. Cyr, Daniel
• Application Number:
  US09/067,775
• Time in Patent Office: 1,331 Days
• Field of Search: 235/492, 235/375, 235/382, 235/380, 235/482, 235/487, 902/4, 902/24
• US Class Current: 235/492
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof

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 processor is further in operative connection with components of the terminal device including a customer interface (14) through which inputs are accepted and outputs are delivered, a card reader (22) and a printing device (30,34). The terminal devices are operative to communicate with host computers (42,44,46) through a communication system (38). The system is operative to carry out transactions in which data representative of value is loaded and unloaded from integrated circuit chips on customer cards (24). Data representative of value is stored in the memories of the cards such that certain value amounts are stored in one memory area while other value amounts are stored in a second memory area. A third amount is calculated which is a function of both the value amounts in the first and second memory areas and the third value is stored in memory on the card.

Claims

1. A method comprising the steps of:

storing a first value in a first area of a card memory of a smart card, the first value representative of a first type of data;

storing a second value in a second area of the card memory, the second value representative of a second type of data;

calculating a third value, the third value being a function of both the first value and the second value; and

storing the third value in the card memory of the smart card as an integrity check.

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

reading the first, second and third values from the card memory with a terminal device;

enabling further operation of the terminal device responsive to the third value read from the smart card corresponding to both the first and second values read.

3. The method according to claim 1 wherein the first type of data is representative of a whole currency amount, and the second type of data is representative of a partial currency amount, and wherein in the calculating step the third value is a function of both the whole currency amount and the partial currency amount.

4. The method according to claim 3 and further comprising the steps of:

reading the first, second and third values from the card memory with a terminal device;

determining with the terminal device that the third value read from the card corresponds to the first and second values read from the card;

receiving a first unload instruction input at the terminal device;

receiving a first unload value input at the terminal device, the first unload value input including a first whole currency amount; and

changing the first memory area of the card with the terminal device to include a new first value, the new first value corresponding to the first value increased by the first whole currency amount.

5. The method according to claim 4 further comprising the steps of:

calculating a new third value with the terminal device, the new third value being a function of both the new first value and the second value; and

storing the new third value in the card memory of the smart card.

6. The method according to claim 3 and further comprising the steps of:

reading the first, second and third values from the card memory with a terminal device;

determining with the terminal device that the third value read corresponds to the first and second values read;

receiving a first load instruction input at the terminal device;

receiving a first load value input at the terminal device, the first load value input including a first whole currency amount; and

changing the first memory area of the card with the terminal device to include a new first value, the new first value corresponding to the first value increased by the first whole currency amount.

7. The method according to claim 6 further comprising the steps of:

calculating a new third value with the terminal device, the new third value being a function of both the new first value and the second value; and

storing the new third value in the card memory of the smart card.

8. The method according to claim 1 wherein the first area of the card memory includes a first plurality of first bits, and wherein each of the first bits represents a first monetary unit value, and wherein the first value comprises a first number of first monetary units, and wherein the step of storing the first value includes changing the first bits to correspond to the first number of first monetary units comprising the first value.

9. The method according to claim 8 wherein the second area of the card memory includes a second plurality of second bits, and wherein each of the second bits represents a second monetary unit value, and wherein the second value comprises a second number of second monetary units, and wherein the step of storing the second value includes changing the second bits to correspond to the second number of second monetary units comprising the second value.

10. The method according to claim 9 wherein the first monetary unit value corresponds to dollars and the second monetary unit value corresponds to cents, wherein in the calculating step the third value is a function of both dollars and cents represented in the smart card memory.

11. The method according to claim 1 wherein the first type data is representative of a first currency amount and the second type data is representative of a second currency amount, and further comprising the steps of:

reading the first, second and third values from the card memory with the terminal device;

determining with the terminal device that the third value corresponds to both the first and the second values;

receiving an unload all instruction at the terminal device; and

changing both the first memory area and the second memory area of the card to correspond to a zero value.

12. The method according to claim 11 and further comprising the step of generating an unload message with the terminal device, the unload message including an unload value representative of the sum of the first and second currency amounts.

13. The method according to claim 1 wherein the first type data is representative of a first currency amount and the second type data is representative of a second currency amount, and further comprising the steps of:

storing a maximum permissible total card value in a terminal memory of a terminal device;

reading the first, second and third values from the card memory with the terminal device;

determining with the terminal device that the third value corresponds to both the first and second values read from the card;

receiving a maximum load instruction at the terminal device; and

changing both the first memory area and the second memory area of the card to data representative of a new first currency amount and a new second currency amount respectively, wherein a sum of the new first currency amount and the new second currency amount is equal to the maximum permissible total card value.

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

calculating a new third value with the terminal device from both the new first value and the now second value; and

storing the new third value in the card memory of the smart card.

15. The method according to claim 13 and further comprising the step of generating a load message with the terminal device, the load message including a load value representative of a difference between the maximum permissible total card value and a further sum, wherein the further sum corresponds to the first currency amount plus the second currency amount.