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Method and system for off-line loading of stored value cards using a batch-load terminal

  • US 6,422,459 B1
  • Filed: 10/13/1998
  • Issued: 07/23/2002
  • Est. Priority Date: 10/15/1997
  • Status: Expired due to Term
First Claim
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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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