Method and system for off-line loading of stored value cards using a batch-load terminal
First Claim
1. A method of off-line batch loading value to a stored value card application, comprising:
- initializing the stored value application of a stored value card with a load key at a centrally located remote location;
allowing the stored value card to be transported in bulk from the remote location to a local batch-load terminal;
allowing secret load key information to be supplied off-line to the local batch-load terminal;
storing the secret load key information in a security module on the local batch-load terminal;
initiating communication at the local batch-load terminal via a card reader device of the local batch-load terminal between the stored value card application and an off-line batch-load application residing on the local batch-load terminal;
automatically transmitting a request for the stored value card application via the card reader device to the off-line batch-load application for a load transaction representing monetary value for the stored value card application using the load key of the stored value card and the secret load key information stored in the security module;
automatically sending a message authorizing the load transaction by the off-line batch-load application residing on the local batch-load terminal to the stored value card application via the card reader device using the load key of the stored value card and the secret load key information securely stored in the security module at the local batch-load terminal, the authorizing message comprising data representing the monetary value;
automatically sending a message confirming completion of the load transaction for the stored value card application via the card reader device to the off-line batch-load application residing on the local batch-load terminal using the load key of the stored value card and the secret load key information stored in the security module; and
automatically storing the load transaction completion message by the off-line batch-load application at the local batch-load terminal.
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Accused Products
Abstract
A method and system for batch loading a stored value application of a microprocessor based stored value card includes a stored value card reader/writer connected to a local computer device and a batch-load application running on the same computer device which securely stores load key information and emulates the remote functions of an on-line load transaction. The computer also has a security module for storing load key information and an encryption device. Communication is initiated on the card reader at the local computer device between the stored value application and the batch-load application, and an off-line batch-load transaction is performed in which the load key information is validated and a funding source is also validated. An authorizing message is sent by the batch-load application to the stored value application with data representing a pre-selected monetary value.
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Citations
37 Claims
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1. A method of off-line batch loading value to a stored value card application, comprising:
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initializing the stored value application of a stored value card with a load key at a centrally located remote location;
allowing the stored value card to be transported in bulk from the remote location to a local batch-load terminal;
allowing secret load key information to be supplied off-line to the local batch-load terminal;
storing the secret load key information in a security module on the local batch-load terminal;
initiating communication at the local batch-load terminal via a card reader device of the local batch-load terminal between the stored value card application and an off-line batch-load application residing on the local batch-load terminal;
automatically transmitting a request for the stored value card application via the card reader device to the off-line batch-load application for a load transaction representing monetary value for the stored value card application using the load key of the stored value card and the secret load key information stored in the security module;
automatically sending a message authorizing the load transaction by the off-line batch-load application residing on the local batch-load terminal to the stored value card application via the card reader device using the load key of the stored value card and the secret load key information securely stored in the security module at the local batch-load terminal, the authorizing message comprising data representing the monetary value;
automatically sending a message confirming completion of the load transaction for the stored value card application via the card reader device to the off-line batch-load application residing on the local batch-load terminal using the load key of the stored value card and the secret load key information stored in the security module; and
automatically storing the load transaction completion message by the off-line batch-load application at the local batch-load terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A system for off-line batch loading value to a stored value card application, comprising:
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means for initializing the stored value application of a stored value card with a load key at a centrally located remote location;
a batch-load terminal having a security module for securely storing load key information supplied off-line to the local batch-load terminal;
means for initiating communication at a local batch-load terminal via a card reader device of the local batch-load terminal between the stored value card application on the stored value card transported in bulk from the remote location to the local batch-load terminal and an off-line batch-load application residing on the local batch-load terminal;
means associated with the local batch-load terminal for automatically transmitting a request for the stored value card application via the card reader device to the off-line batch-load application for a load transaction representing monetary value for the stored value card application to the off-line batch-load application using the load key of the stored value card and the secret load key information stored in the security module;
means associated with the off-line batch-load application residing on the local batch-load terminal for automatically sending a message to the stored value card application via the card reader device authorizing the load transaction using the load key of the stored value card and the securely stored load key information;
means for automatically sending a message confirming completion of the load transaction for the stored value card application via the card reader device to the off-line batch-load application residing on the local batch-load terminal using the load key of the stored value card and the secret load key information stored in the security module; and
means for automatically storing the load transaction completion message by the off-line batch-load application at the local batch-load terminal. - View Dependent Claims (32, 33, 34, 35)
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36. A method of off-line batch loading value to a stored value card application, comprising:
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initializing the stored value application of a stored value card with a load key at a centrally located remote location;
allowing the stored value card to be transported in bulk from the remote location to a local batch-load terminal;
receiving secret load key information at the local batch-load terminal supplied off-line to the local batch-load terminal;
storing the secret load key information in a security module on the local batch-load terminal;
receiving a request from the stored value card application via a card reader device at the local batch-load terminal for a load transaction representing monetary value by an off-line batch-load application residing on the local batch-load terminal using the load key of the stored value card and the secret load key information stored in the security module;
automatically sending a message authorizing the load transaction by the batch-load application residing on the local batch-load terminal to the stored value card application via the card reader device using the load key of the stored value card and the load key information securely stored in the security module at the local batch-load terminal;
receiving a message by the off-line batch-load application residing on the local batch-load terminal from the stored value card application via the card reader device confirming completion of the load transaction using the load key of the stored value card and the secret load key information stored in the security module; and
storing the load transaction completion message by the off-line batch-load application at the local batch-load terminal.
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37. A system for off-line batch loading value to a stored value card application, comprising:
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means for initializing the stored value application of a stored value card with a load key at a centrally located remote location;
a local batch-load terminal having a security module for securely storing load key information supplied off-line to the local batch-load terminal;
means for receiving a request from the stored value card application on the stored value card transported in bulk from the remote location to the local batch-load terminal via a card reader device at a local batch-load terminal for a load transaction representing monetary value by an off-line batch load-application residing on the local terminal using the load key of the stored value card and the secret load key information stored in the security module;
means for automatically sending a message authorizing the load transaction by the off-line batch-load application residing on the local batch-load terminal to the stored value card application via the card reader device using the stored value card application and the securely stored load key information;
means for receiving a message by the off-line batch-load application residing on the local batch-load terminal from the stored value application via the card reader device confirming completion of the load transaction using the load key of the stored value card and the secret load key information stored in the security module; and
means for storing the load transaction completion message by the off-line batch-load application at the local batch-load terminal.
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Specification