System and method for dynamic fob synchronization and personalization

• US 7,762,457 B2
• Filed: 07/21/2004
• Issued: 07/27/2010
• Est. Priority Date: 07/10/2001
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Saunders, Peter D., Bonalle, David S., Larkin, Carl
• Primary Examiner(s): RUDY, ANDREW J
• Application Number:
  US10/710,570
• Publication Number:
  US 20050033689A1
• Time in Patent Office: 2,197 Days
• Field of Search: 705/16, 705/15, 706/16, 455/414.1, 340/5.61, 340/5.65, 340/10.31, 340/10.34, 235/376, 235/380, 235/382, 235/383
• US Class Current: 235/383
• CPC Class Codes: G06F 16/95 Retrieval from the web
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 2209/06 Involving synchronization or resynchronization between transmitter and receiver; reordering of codes
• CPC Class Codes: G07C 9/28 the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• 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: G07G 1/14 Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00

Abstract

A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. An exemplary dynamic synchronization system (DSS) may comprise various fob POS devices, a secure support client server, a fob object database update system (FODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more fob POS devices configured to interoperably accept and interface with fobs. In an exemplary embodiment, DSS may comprise a personalization system and an account maintenance system configured to communicate with FODUS. Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.

Claims

1. A system for facilitating synchronizing transponder information associated with a transponder, said system comprising:

a first enterprise data collection unit of a first enterprise that stores update transactions and pending transactions associated with said transponder and said first enterprise;

a second enterprise data collection unit of a second enterprise that stores update transactions and pending transactions associated with said transponder and said second enterprise;

at least one point-of-sale device including a transponder-reader communicatively coupled with said transponder and said first and second enterprise data collection units;

an object database system that stores said transponder information based, at least in part, on at least one of said update transactions and said pending transactions, wherein said transponder information includes a data object having at least one application, and wherein said object database system is communicatively coupled to said first and second enterprise data collection units; and

an update logic system that routes said transponder information from said first and second enterprise data collection units to at least one of said point-of-sale device in order to effect synchronization of said transponder information associated with said transponder and said object database system.

2. A system according to claim 1, further comprising an update logic system coupled to at least one enterprise data synchronization interface, said update logic system configured to securely route transponder information between said enterprise data synchronization interface and said enterprise data collection units, said enterprise data synchronization interface coupled to an enterprise network configured to communicate with said point-of-sale device.

3. The system according to claim 2, further comprising a secure support client server configured to communicate with said point-of-sale device, said secure support client server further configured to adaptively provide communication functionality in accordance with the communication functionality available at said point-of-sale device.

4. The system of claim 1, further including a personalization system comprising:

a security server;

at least one key system associated with said at least one application, said key system configured to communicate with said security server and to supply a key in response to a request from said security server;

a personalization utility configured to receive said data object and to communicate with said security server;

said personalization utility further configured to add said key to said data object;

a transponder management system,

said transponder management system configured to accept a transponder request and communicate said transponder request to said personalization utility; and

a gather application module configured to communicate with said transponder management system and gather application information from a first database and a second database in accordance with said transponder request,

wherein said first database is associated with said first enterprise, and said second database is associated with said second enterprise.