Method and apparatus for performing benefit transactions using a portable intergrated circuit device

• US 20060157557A1
• Filed: 01/20/2005
• Published: 07/20/2006
• Est. Priority Date: 01/20/2005
• Status: Active Grant

• Current Assignee: Hitachi America Limited (Hitachi, Ltd.)
• Original Assignee: Hitachi America Limited (Hitachi, Ltd.)
• Inventors: Wilson, James Charles, Lee, Bradley
• Granted Patent: US 7,234,638 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• 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 20/3555 Personalisation of two or more cards
• CPC Class Codes: G06Q 20/35765 Access rights to memory zones
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• 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 portable electronic data storage/processing device, e.g., smart card maintains an account including benefit packages. Each benefit package includes multiple items with associated quantity information. A smart card includes an account benefits interface and a retailer interface, each interface using different security measures. New benefit packages are added to the smart card through the account benefit interface by a benefit provider. Benefits debit request lists including multiple items and associated quantities are submitted to the smart card through the retailer interface. The smart card is the trusted member and checks if all requested items in quantities requested can be debited. If all requests can be fulfilled, the smart card executes the debiting from the currently valid benefit package and returns a transaction success indication to the retailer. If any of the requests of the list cannot be met, the entire request list is rejected and no debiting occurs. Benefit quantity addition is not possible through the retailer interface. Transactions are performed as block transactions.

Claims

1. An apparatus for performing at least some non-financial transactions, the apparatus comprising:

a portable information storage device including;

a processor for executing routines used to control operation of said device; and

a memory coupled to said processor, said memory including;

a plurality of sets of benefit package information, each of the sets of benefit package information including;

i) benefit package selection criteria data, ii) a plurality of benefit item identifiers, each benefit item identifier identifying a non-monetary item to be supplied as a benefit and iii) quantity information including a plurality of non-monetary quantity values, each non-monetary quantity value corresponding to a different benefit item identified by a benefit item identifier included in the same set of benefit package information as the corresponding non-monetary quantity value;

an account owner interface that allows an account owner to access and modify benefit package information included in said memory, said account owner interface allowing the account owner to read benefit package information from said memory and to perform at least one of;

increasing one of the non-monetary quantity values included in one of the sets of benefit package information and storing a new set of benefit package information in said memory; and

a retailer interface, said retailer interface prohibiting a retailer from storing information on a new benefit to be provided or incrementing a stored non-momentary quantity value indicating the amount of a benefit to be provided but allowing the retailer to obtain benefit account information from said portable electronic device and to cause decrementing of non-monetary quantity values stored in said memory.

2. The apparatus of claim 1,

wherein said portable information storage device corresponds to a beneficiary account holder;

and

wherein said benefit package selection criteria data criteria includes at least some date information used to indicate a period of time in which one of the sets of benefit package information is to be used.

3. The apparatus of claim 2, wherein said non-monetary quantity values correspond to different units of measurement for at least two different benefit items, one unit of measurement being a fluid measurement and another unit of measurement being a weight measurement.

4. The apparatus of claim 2,

wherein said account owner interface provides a first level of security which must be satisfied prior to said account owner interface allowing an account owner to alter benefit information;

and

wherein said retailer interface provides a second level of security which must be satisfied prior to said retailer interface allowing a retail terminal to alter stored benefit information, the second level of security being lower than said first level of security.

5. The apparatus of claim 4, wherein said device includes:

means for disabling said account owner interface for at least one predetermined period of time.

6. The apparatus of claim 5, wherein said at least one predetermined period of time is a period of time following the updating by an account owner of benefit information stored in said memory.

7. The apparatus of claim 5, wherein said at least one period of time includes all time following the completion of a communications session between an account owner terminal used to load said memory with the plurality of sets of benefit package information.

8. The apparatus of claim 2, wherein said retailer interface includes means for approving and rejecting retail transactions on a per transaction basis.

9. The apparatus of claim 8,

wherein said means for approving and rejecting retail transactions includes:

means for checking that multiple non-monetary values to be decremented during a transaction with a retail terminal do not exceed corresponding non-monetary quantity values included in a set of benefit package information that is to be modified; and

means for rejecting the transaction when a check indicates that any one of the corresponding benefit value amounts is exceeded.

10. The apparatus of claim 9, wherein said retailer interface further includes:

means for identifying a benefit package which is valid at the time of a request for benefit package information is received from a retail terminal; and

means for transmitting valid benefit package information to a retail terminal.

11. The apparatus of claim 10, wherein said means for identifying a benefit package which is valid only identifies benefits packages as valid if the benefit package includes at least one item identifier that identifies an item that is supplied by a retailer to which the retail terminal from which the request for benefit package information was received.

12. The apparatus of claim 11, wherein said retail interface rejects request to debit values received from a retail terminal to which a valid set of benefit package information was not previously supplied from said memory.

13. The apparatus of claim 2, wherein said memory includes authentication data that comprises biometric information that can be used by a retail terminal to verify the identity of the account holder to whom benefits may be provided.

14. The apparatus of claim 1,

wherein at least one set of said benefit package information includes a number of food items that may be obtained as a granted benefit from a retailer that can access said portable storage device via a retail terminal interacting with said portable storage device via said retailer interface;

and

wherein said at least one set of said benefit package information includes at least two different benefit item identifiers corresponding to different food benefits and benefit quantity information for each of the at least two different food groups.

15. The apparatus of claim 14, wherein the benefit quantity information for each of the at least two different food groups are stored as a quantity values corresponding to different units of measurement.

16. The apparatus of claim 14, wherein the portable information storage device includes means for decrementing the benefit quantity information for each of said at least two different food groups in a single transaction.

17. The apparatus of claim 16, wherein said portable electronic storage device is a smart card.

18. The apparatus of claim 1, wherein said apparatus is part of a system, the system further comprising:

additional portable information storage devices, each one of said additional portable information storage devices corresponding to a different benefit program beneficiary;

a plurality of account owner terminals for loading benefit information onto one or more of said portable information storage device and said additional portable information storage devices by interacting with said devices through the account owner interface included in each of said portable information storage devices with which the account owner terminal interacts; and

a plurality of retailer terminals for retrieving benefit information from one or more of said portable information storage devices and requesting debiting of benefit information through the retail terminal interface included in each of said portable information storage devices with which the retailer terminal interacts; and

wherein the number of retailer terminals in said system is at least 20 times the number of account owner terminals in said system.

19. The system of claim 18,

wherein each account owner terminal in said system is located in an account owner office;

and

wherein each retailer terminal in said system is located on the premises of a retail establishment authorized to provide benefits in accordance with a government sponsored benefit program.

30. The method of claim 10, where at least some of said benefit data sets include different benefits corresponding to different food items.

20. A method of implementing a benefit program including at least some non-monetary benefits, the method comprising:

providing a plurality of portable information storage devices to beneficiaries of said benefit program;

storing on the portable information storage device provided to a particular program beneficiary benefit information indicating the types and amounts of non-monetary benefits to be provided to the particular beneficiary;

operating the portable information storage device to provide said benefit information to a retail terminal through which benefits can be provided;

operating the portable information storage device to approve or disapprove a benefit grant transactions on a per transaction basis, each benefit transaction grant requested by a retail terminal that involves modifying multiple benefit amounts corresponding to different items which are to be provided as a benefit to said particular program beneficiary being disapproved in its entirety if the amount of any one of a plurality of items to be provided exceeds the benefit amount available for the corresponding one of the items to be provided.

21. The method of claim 20, wherein said method includes restricting retail terminals from incrementing any benefit amounts stored on said portable information storage devices.

22. The method of claim 21, wherein said method includes restricting incrementing of benefit amounts or adding of new benefits to the information stored on the portable information storage device to terminals owned by a beneficiary program owner.

23. The method of claim 22,

wherein said beneficiary program owner is a government;

and

wherein the method includes limiting beneficiary program owner terminals to being located in government offices; and

wherein the number of beneficiary program owner terminals is limited to be a fraction which is less than 1/10^th of the number of retail terminals.

24. The method of claim 22, where providing a plurality of portable information storage devices includes providing each portable information storage device with:

a beneficiary program owner interface used for interacting with beneficiary owner terminals and for allowing benefit amount information to be incremented or added; and

a retail terminal interface used for interacting with retail terminals and for limiting retail terminals to benefit amount changes which decrement the amount of benefits indicated by information stored in said portable information storage devices.

25. A method of performing a non-financial transaction using a portable electronic storage device including a microprocessor, the method comprising:

storing in said portable electronic storage device at least two benefit data sets related to a benefit account owner, wherein each benefit data set comprises benefit value data;

accessing said portable electronic storage device during a single non-financial transaction at a retail location, wherein said access is controlled by said storage device'"'"'s microprocessor; and

modifying the value of said at least two benefits value data during said single non-financial transaction.

26. The method of claim 25, wherein said microprocessor approves and disapproves transactions on a per transaction basis, said modifying being performed only after approval of said transaction by said microprocessor, said microprocessor checking the amounts of benefits being provided against the authorized benefit amount indicated by said benefit value data prior to approving a transaction.

27. The method of claim 25,

where said storing step further includes storing selection criteria relating to said benefit data sets and wherein said modifying step is only performed if the requested modification can be satisfied by a benefit data set meeting the selection criteria;

and

where said selection criteria comprises permitted transaction date information.

28. The method of claim 25,

where said storing step further includes storing beneficiary authentication data relating to said benefit data sets and wherein said modifying step is only performed after an authentication check is implemented using said beneficiary information;

and

where said authentication data comprises a private key from a public—

private encryption key set.

29. The method of claim 25, wherein said modifying step is limited to reducing values indicating the amount of benefits to be provided.

31. The method of claim 25, wherein said storing step further comprises storing a plurality of benefit package information sets, wherein each of said benefit package information sets includes information indicating different non-monetary amounts of two items to be provided as a benefit.

32. A method of providing non-financial benefits, comprising:

reading benefit package information from a portable information storage device, the portable information storage device including;

a processor for executing routines used to control operation of said device; and

a memory coupled to said processor, said memory including;

a plurality of sets of benefit package information, each of the sets of benefit package information including;

i) benefit package selection criteria data, ii) a plurality of benefit item identifiers, each benefit item identifier identifying a non-monetary item to be supplied as a benefit and iii) quantity information including a plurality of non-monetary quantity values, each non-monetary quantity value corresponding to a different benefit item identified by a benefit item identifier included in the same set of benefit package information as the corresponding non-monetary quantity value;

an account owner interface that allows an account owner to access and modify benefit package information included in said memory, said account owner interface allowing the account owner to read benefit package information from said memory and to perform at least one of;

increasing one of the non-monetary quantity values included in one of the sets of benefit package information and storing a new set of benefit package information in said memory; and

a retailer interface, said retailer interface prohibiting a retailer from storing information on a new benefit to be provided or incrementing a stored non-momentary quantity value indicating the amount of a benefit to be provided but allowing the retailer to obtain benefit account information from said portable electronic device and to cause decrementing of non-monetary quantity values stored in said memory;

generating a set of benefit information representing a single transaction in which non-monetary benefits are provided to a beneficiary, said set of benefit information indicating the amount and quantity of at least two non-monetary benefits which are provided to a user of said portable information storage device;

supplying the set of benefit information representing a single transaction to said portable information storage device via said retailer interface; and

receiving a transaction acknowledgement indicating one of;

a successful transaction including debiting of the amount of benefits provided from a set of benefit information stored in said storage device and a failed transaction in which the entire transaction was rejected and no debiting of benefit information stored on said portable storage device occurs.

33. The method of claim 32, wherein said set of benefit information representing a single transaction includes information indicating quantities of at least two different types of food provided to the user of said portable information storage device.