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Method for the secure handling of monetary or value units using prepaid data carriers

  • US 6,745,940 B1
  • Filed: 06/25/2001
  • Issued: 06/08/2004
  • Est. Priority Date: 12/24/1998
  • Status: Expired due to Fees
First Claim
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1. A method for at least one of securely handling and securely manipulating at least one of monetary units and value units using a prepaid data carrier, which is prepaid by at least one of a customer and a user and which is personalized by a card issuer, the prepaid data carrier being for uniquely identifying itself to at least one of a terminal and a background system, and the at least one of the monetary units and the value units being for use in assigning an amount, depending on at least one of a sold service and a purchased service, to the prepaid data carrier, the amount being subsequently automatically reduceable and administerable in the at least one of the terminal and the background system, the at least one of the terminal and the background system communicating in a particular network node, the method comprising:

  • providing the prepaid data carrier with a single and unique one of at least one of an identification pattern and an identification feature;

    assigning a value to the at least one of the identification pattern and the identification feature that are made available to the at least one of the terminal and the background system via a communication path for transmitting personalization data;

    storing the at least one of the identification pattern and the identification feature in the at least one of the terminal and the background system for only one specific data carrier for use by the at least one of terminal and the background system for controlling access by decrypting response data of a response; and

    classifying the prepaid data carrier as authentic when challenge data matches associated response data.

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