Methods and systems for user media interoperability
First Claim
1. A system for implementing smart cards, comprising:
- a network of card readers and processing equipment that are configured to execute different card access operating applications implemented by different originators to benefit cardholders in response to interaction with smart cards;
a plurality of memory smart cards each carrying memory that contains a plurality of data elements selected for use in a card application from a standard list of data elements configured specifically for originators of one type of application to implement card applications of that type differently, wherein the memory further contains an index identifying which data elements from the standard list are included for use in that applicationwherein the card access operating applications of the card readers of the different originators processing that type of application are configured to process data elements from the standard list in the same way, and are further configured to read the index, to map the index to the standard list to locate a particular data element of interest to a current card access operating application, to read a current value of that data element based on the mapping, and to perform an operation that uses the current value.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are provided for multi-application user media such as smart cards that can be used by users to obtain related benefits. Multiple applications of one type such as transportation may be implemented on user media from a standard or reference of that application type. Hierarchical networks and data structures may be provided in implementing user media. User media may include application identifiers, associated data groups, and data structures that are associated with the data groups. An application may be configured by different originators differently based on sets of defined data groups and/or data structures from which the originator may select in implementing the application. Multiple applications of different types such as financial, health, transportation, etc. may be configured on user media to provide related services.
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Citations
30 Claims
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1. A system for implementing smart cards, comprising:
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a network of card readers and processing equipment that are configured to execute different card access operating applications implemented by different originators to benefit cardholders in response to interaction with smart cards; a plurality of memory smart cards each carrying memory that contains a plurality of data elements selected for use in a card application from a standard list of data elements configured specifically for originators of one type of application to implement card applications of that type differently, wherein the memory further contains an index identifying which data elements from the standard list are included for use in that application wherein the card access operating applications of the card readers of the different originators processing that type of application are configured to process data elements from the standard list in the same way, and are further configured to read the index, to map the index to the standard list to locate a particular data element of interest to a current card access operating application, to read a current value of that data element based on the mapping, and to perform an operation that uses the current value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for providing multiple card-based applications, comprising:
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a plurality of user cards each containing memory that is configured to include a plurality of application identifiers that are associated with a corresponding one of a plurality of applications, a plurality of data group directories that are each associated with a corresponding application identifier, a plurality of data groups associated with each group directory, with each data group having an associated data structure containing at least one data element, wherein the data structures identify which data elements a corresponding application provider selected to include on the system in connection with their application, wherein on different cards, a memory location of a current value of same data elements in same data structures associated with different originator applications is variable from application to application as a function of data elements implemented to be used in that application; and computer equipment including card readers that are dispersed over a geographic region that interact with the user cards to support the applications by reading and writing to the user cards based on the configuration of the memory of the user cards, wherein card access operation application of the card readers is configured to operate to read data structures, to identify which data elements have been implemented for a particular card application based on reading a data structure associated with that card application, to locate a position of a current value of a data element in the data structure based on the identified data elements, to read the current value of that data element based on the position located for that data element, and to use the current value of that data element in the computer equipment. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A method for implementing smart cards, comprising:
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configuring a network of card readers and processing equipment to execute different card access operating applications implemented by different originators to benefit cardholders in response to interaction with smart cards; interacting with the network using a plurality of memory smart cards that each carries memory that contains a plurality of data elements selected for use in a card application from a standard list of data elements configured specifically for originators of one type of application to implement card applications of that type differently, wherein the memory further contains an index identifying which data elements from the standard list are included for use in that application wherein the card access operating applications of the card readers of the different originators processing that type of application are configured to process data elements from the standard list in the same way, and are further configured to read the index, to map the index to the standard list to locate a particular data element of interest to the card access operating application, to read a current value of that data element based on the mapping, and to perform an operation that uses the current value. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24)
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25. A method for providing multiple card-based applications, comprising:
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providing a plurality of user cards that each contain memory that is configured to include a plurality of application identifiers that are associated with a corresponding one of a plurality of applications, a plurality of data group directories that are each associated with a corresponding application identifier, a plurality of data groups associated with each group directory, with each data group having an associated data structure containing at least one data element, wherein the data structures identify which data elements a corresponding application provider selected to include on the system in connection with their application, wherein on different cards, a memory location of a current value of same data elements in same data structures associated with different originator applications is variable from application to application as a function of data elements implemented to be used in that application; and dispersing computer equipment including card readers over a geographic region that are configured to interact with the user cards to support the applications by reading and writing to the user cards based on the configuration of the memory of the user cards, wherein card access operating application of the card readers is configured to operate to read data structures, to identify which data elements have been implemented for a particular application based on reading a data structure associated with that card application, to locate a position of a data element in the data structure based on the identified data elements, to read the current value of that data element based on the position located for that data element, and to use the current value of that data element in the computer equipment. - View Dependent Claims (26, 27, 28, 29, 30)
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Specification