Method and system for managing token image replacement

• US 7,121,456 B2
• Filed: 09/12/2003
• Issued: 10/17/2006
• Est. Priority Date: 09/13/2002
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Gordon, James G., Black, Marc, Salters, Michael, Spaeth, Paul, Mazour, James, Madore, Kim, Shimko, Bryan, Jones, Douglas
• Primary Examiner(s): Stcyr, Daniel
• Assistant Examiner(s): Labaze, Edwyn
• Application Number:
  US10/661,228
• Publication Number:
  US 20040153715A1
• Time in Patent Office: 1,131 Days
• Field of Search: 235/375, 235/382, 235485-487, 707/8, 707/104, 707200-204, 707/1, 705/204, 705/202, 705/1, 705/17
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07C 9/253 visually
• CPC Class Codes: G07F 7/082 Features insuring the integrity of the data on or in the card
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: Y10S 707/99953 Recoverability

Abstract

A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.

Claims

1. A system for managing token image replacement in a portable token, comprising:

a token acceptance device configured to receive the portable token, the portable token including a current token image and an update indicator, wherein the portable token is configured to be used in financial transactions; and

a server configured to communicate with the portable token via the token acceptance device;

wherein insertion of the portable token into the token acceptance device causes the server to check the update indicator to determine whether the portable token is to be updated, and upon receiving an indication that the current token image on the portable token is to be updated, the server retrieves a backup token image for the portable token and uploads the backup token image to the portable token via the token acceptance device to replace the current token image on the portable token, the backup token image comprising any one of updated financial and loyalty transaction information for the portable token, and

wherein the current token image includes loyalty program information.

2. The system of claim 1, further comprising:

a token image server configured to store a plurality of backup token images;

wherein the retrieved backup token image is selected from the plurality of backup token images based on at least one predetermined criteria.

3. The system of claim 1, wherein upon updating the current token image with the backup token image on the token, the update indicator in the portable token is set to ensure that no further update is automatically performed.

4. The system of claim 1, wherein the token acceptance device is one of a point-of-sale device, a cellular phone, a personal digital assistant, a personal computer (PC), a tablet PC, a handheld specialized reader, a set-top box, an electronic cash register, a virtual cash register, a kiosk, a security system, and an access system.

5. The system of claim 1, wherein the retrieved backup token image is selected from a plurality of backup token images based on at least one predetermined criteria.

6. A system for managing token image replacement in a portable token, comprising:

a token acceptance device configured to receive the portable token, the portable token including a current token image and an update indicator; and

a server configured to communicate with the portable token via the token acceptance device;

wherein insertion of the portable token into the token acceptance device causes the server to check the update indicator to determine whether the current token image is to be updated, and upon receiving an indication that the current token image on the portable token is to be updated, the server retrieves a backup token image for the portable token and uploads the backup token image to the portable token via the token acceptance device to replace the current token image on the portable token, wherein the portable token is one of a smartcard, a cellular phone, a personal digital assistant, a pager, a payment card, a security card, an access card, smart media, and a transponder, and

wherein the current token image includes loyalty program information.

7. The system of claim 6, wherein upon replacing the current token image with the backup token image on the portable token, the update indicator in the portable token is set to ensure that no further update is to be performed.

8. A method for managing token image replacement, comprising:

examining an update indicator on a portable token to determine whether a current token image on the portable token is to be updated, wherein the portable token is configured to be used in financial transactions; and

if it is determined that the token image on the portable token is to be updated, retrieving a backup token image and uploading the backup token image to the portable token to replace the current token image on the portable token, the backup token image comprising any one of financial and loyalty transaction information for the portable token, and

wherein the current token image includes loyalty program information.

9. The method of claim 8, further comprising:

storing a plurality of backup token images; and

retrieving the backup token image from the plurality of backup token images based on at least one predetermined criteria.

10. The method of claim 8, further comprising:

upon replacing the current token image with the backup token image on the portable token, setting the update indicator in the portable token to indicate that no further update is automatically performed.

11. The method of claim 8, wherein the portable token is one of a smartcard, a cellular phone, a personal digital assistant, a pager, a payment card, a security card, an access card, smart media, and a transponder.