Data carrying device and systems for use therewith

• US 6,532,518 B2
• Filed: 02/04/2002
• Issued: 03/11/2003
• Est. Priority Date: 04/01/1998
• Status: Expired due to Fees

• Current Assignee: Catuity, Inc.
• Original Assignee: Catuity, Inc.
• Inventors: Mac.Smith, David L., Garton, Ben
• Primary Examiner(s): NGUYEN, THAN VINH
• Application Number:
  US10/066,917
• Publication Number:
  US 20020073293A1
• Time in Patent Office: 400 Days
• Field of Search: 235/61, 235/380, 235/492, 200/200, 711/4, 711/5, 711/101-104, 711/115
• US Class Current: 711/115
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• 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 data carrying device having a memory space for storing data at a plurality of locations. The memory space includes a static area residing at a fixed location; an index area residing at a first dynamically allocatable location; and an application area residing at a second dynamically allocatable location. The static area is configured to hold data pointing to the location of the index area and the index area is configured to hold data indicative of applications or programs residing within the application area.

Claims

1. A data carrying device having a memory space for storing data at a plurality of locations, said memory space including:

a static area residing at a fixed location;

an index area residing at a first dynamically allocatable location;

an application area residing at a second dynamically allocatable location, said static area being configured to hold data pointing to the location of said index area and said index area being configured to hold data indicative of applications or programs residing within said application area;

said static area being dynamically variably configurable as either random access memory or read-only memory in accordance with a variable setting of an access control block.

2. A data carrying device according to claim 1 wherein said static area is configured to include data indicative of any of the following:

an entity responsible for issuing the data carrying device;

an issuing country;

a device type;

a unique device identification number;

whether the device is personalized;

a date and time at which the device was initialized;

the location of said application area;

a size of said application area;

a device model;

allowed terminals with which the data carrying device may validly interact;

allowed transaction types in which the data carrying device may participate; and

/or an entity responsible for initializing the data carrying device.

3. A data carrying device according to claim 1 wherein said static area is configured as random access memory prior to an initialization process whereby data is written to said static area.

4. A data carrying device according to claim 3 wherein said static area is configured as read only memory after said initialization process.

5. A data carrying device according to claim 1 wherein said index area is configured to hold a plurality of index entries representing numbers, each of which uniquely correlate with programs residing within said application area according to a predetermined correlation scheme.

6. A data carrying device according to claim 5 wherein an order of location of said numbers corresponds with an order of location of said programs.

7. A data carrying device according to claim 5 wherein each index entry is initially set to zero during an initialization process so as to indicate that no programs have yet been stored in said application area.

8. A data carrying device according to claim 1 wherein said applications area is divided into a plurality of units, each being configurable to store data associate with part or all of a program, the location of any unit, or units corresponding to any program being dynamically allocatable.

9. A data carrying device according to claim 8 wherein said index area is configured to hold a plurality of index entries representing numbers, each of which uniquely correlate with programs written onto each unit according to a predetermined correlation scheme.

10. A data carrying device according to claim 9 wherein an order of location of said numbers corresponds with an order of location of said units.

11. A data carrying device according to claim 8 wherein at least one of the programs expires once predetermined expiry criteria are fulfilled.

12. A data carrying device according to claim 11 whereby the units occupied by an expired program are available for the writing of a replacement program.

13. A data carrying device according to claim 12 whereby the index entries corresponding to said expired units are available for the writing of replacement index entries corresponding to said replacement program.

14. A data carrying device according to claim 9 wherein said units occupied by an expired program are only available for the writing of the replacement program if all index entries indicative of the programs in the units are non-zero.

15. A data carrying device according to claim 8 wherein a program includes data indicative of any of the following:

a data carrying device status;

a transaction counter;

a block list copied from a block list of a terminal at which a last transaction was attempted;

an issue date;

a data carrying device expiry date;

a data carrying device usage counter;

the most recent date and time at which a change of any of the data was attempted;

a terminal type at which a last change to any of the data was attempted; and

/or

a result of the last declined transaction attempt.

16. A data carrying device according to claim 1 wherein a program includes data indicative of any of the following:

a person to whom the data carrying device was issued;

a password;

a number of consecutive password failures; and

/or

a last date and time that the password was correctly entered.

18. A system according to claim 17 wherein said data carrying devices are in accordance with claim 1.

17. A system for manipulating data on a plurality of data carrying devices, each device having a memory space for storing data at a plurality of locations, said memory space including a static area residing at a fixed location, an index area residing at a first dynamically allocatable location, an application area residing at a second dynamically allocatable location, said static area being configured to hold data pointing to the location of said index area and said index area being configured to hold data indicative of applications or programs residing within said application area, said static area being dynamically variably configurable as either random access memory or read-only memory in accordance with a variable setting of an access control block,

said system including a host and a plurality of terminals, each terminal being adapted to interact with said data carrying devices, the terminals and the host being adapted to communicate parameter files therebetween, each of said terminals further including functionally identical software being activatable and configurable in response to said parameter files so as to initiate and/or update data on said data carrying devices.

19. A system according to claim 17 wherein said software in each of said terminals includes at least one of a plurality of possible operating systems, an application module common to all terminals in the system and a hardware abstraction layer being adapted to integrate said operating system and said application module.

20. A system according to claim 19 wherein said application module includes a plurality of applications.

21. A system according to claim 17 wherein at least some of said terminals include an on-line connection to said host.

22. A system according to claim 17 wherein each of said terminals is assigned a unique terminal number.

23. A system according to claim 17 wherein each of said terminals includes data storage means adapted to record details of interactions with data carrying devices.

24. A system according to claim 17 wherein said terminals include means for batch communication of data stored in said data storage means to said host.

25. A system for manipulating data on a plurality of data carrying devices, each device having a memory space for storing data at a plurality of locations, said memory space including a static area residing at a fixed location, an index area residing at a first dynamically allocatable location, an application area residing at a second dynamically allocatable location, said static area being configured to hold data pointing to the location of said index area and said index area being configured to hold data indicative of applications or programs residing within said application area, said static area being dynamically variably configurable as either random access memory or read-only memory in accordance with a variable setting of an access control block;

said system including a host and a plurality of terminals, each terminal being adapted to interact with said data carrying devices, the terminals and the host being adapted to communicate parameter files therebetween, each of said terminals further including functionally identical software being activatable and configurable in response to said parameter files so as to initiate and/or update data on said data carrying devices;

said software in each of said terminals including at least one of a plurality of possible operating systems, an application module including a plurality of applications common to all terminals in the system and a hardware abstraction layer being adapted to integrate said at least one operating system and said application module; and

wherein said plurality of applications includes at least one of the following;

electronic payment;

loyalty programs;

electronic tickets;

memberships;

access control and authentication.

26. A system for manipulating data on a plurality of data carrying devices, each device having a memory space for storing data at a plurality of locations, said memory space including a static area residing at a fixed location, an index area residing at a first dynamically allocatable location, an application area residing at a second dynamically allocatable location, said static area being configured to hold data pointing to the location of said index area and said index area being configured to hold data indicative of applications or programs residing within said application area, said static area being dynamically variably configurable as either random access memory or read-only memory in accordance with a variable setting of an access control block;

said system including a host and a plurality of terminals, each terminal being adapted to interact with said data carrying devices, the terminals and the host being adapted to communicate parameter files therebetween, each of said terminals further including functionally identical software being activatable and configurable in response to said parameter files so as to initiate and/or update data on said data carrying devices;

said software in each of said terminals including at least one of a plurality of possible operating systems, an application module including a plurality of applications common to all terminals in the system and a hardware abstraction layer being adapted to integrate said at least one operating system and said application module; and

wherein said plurality of applications includes at least three of the following;

terminal management;

card management;

electronic payment;

loyalty programs;

electronic tickets;

memberships;

access control and authentication.