Card charging system

• US 6,402,038 B1
• Filed: 10/14/1999
• Issued: 06/11/2002
• Est. Priority Date: 03/29/1999
• Status: Expired due to Fees

• Current Assignee: Transmo Limited
• Original Assignee: Transmo Limited
• Inventors: De Jong, Eduard Karel, Stanford, Christopher John
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US09/417,806
• Time in Patent Office: 971 Days
• Field of Search: 235/384, 235/492
• US Class Current: 235/492
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• 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 20/3437 the counter having non-monetary units, e.g. trips
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G07F 7/02 by keys or other credit registering devices
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00

Abstract

In a card charging system, especially for public transport services, a host ticket facility is operable by both credit cards usable at a card read/write device and concessionary payment cards usable at a contactless card reader, and a security and transaction device located between the card readers and the host facility stores in separate storage devices full fares and concessionary fares which the host facility is able to calculate. A card charging system, especially but not exclusively for payment of public transport fares is described, having one or more card readers and a security and transaction device connected between the card reader(s) and a host facility and for transmitting information back to a clearing centre, wherein the security and transaction device includes a number of non-volatile storage devices for error counting and transmitting related performance data back to the clearing centre. A card charging system can include a security and transaction (TSM) device located between a smart card reader, such as a contactless card reader, and a host facility to enable a purchase to be made in return for a credit debited from the card, wherein the TSM device stores each individual use of a card and transmits information relating to the time and amount debited, and downloads such information to a clearing centre to enable the latter to keep a log of individual card usage and thereby enable fraud detection.

Claims

1. A card charging system comprising:

(a) a card read/write unit for prepaid or credit cards;

(b) a transaction recording-payment facility; and

(c) a security module located between the card read/write unit and the transaction recording-payment facility, the security module operable to communicate with the transaction recording-payment facility to enable a purchase to be made in return for an amount of credit debited from the card, the system further including a clearing centre to which debited amounts are signalled by the security module wherein said security module, in addition to one or more storage devices for amounts debited, includes one or more additional non-violatile storage devices for counting errors occurring at one or more of the transaction recording-payment facility and the card read/write unit and for transmitting related performance data to the clearing centre.

2. A card charging system according to claim 1, including a contactless card reader associated with the security module.

3. A card charging system according to claim 1, wherein differing types of card cause different incremental counts at the one or more additional storage devices.

4. A card charging system according to claim 1, wherein an additional storage device is provided for counting card read errors.

5. A card charging system according to claim 4, wherein contact cards and contactless cards increment the card read error storage device by differing amounts.

6. A card charging system according to claim 3, wherein, the differing incremental counts are 1 and 100.

7. A card charging system according to claim 3, wherein a smaller increment is applied for error events most likely to occur.

8. A card charging system according to claim 1, including an additional storage device for recording transmission failures between the card reader or readers or the host facility and the security module, including failures due to power loss.

9. A card charging system according to claim 1, including an additional storage device for recording card ejection failures and premature removal errors.

10. A card charging system according to claim 1, wherein data transmitted to the clearing centre from the security module incorporates a digital signature.

11. A card charging system according to claim 1, wherein the clearing centre apportions revenue based on the difference between previous and current values held in the security module.

12. A card charging system according to claim 1, wherein the clearing centre incorporates means for determining if any one or more kinds of error stored in the additional storage device are increasing or decreasing in frequency.

13. A card charging system according to claim 1, wherein if value from any one or more additional storage devices is lost it is recovered the next time data is transmitted.