MOBILE PHONE CONTAINING CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION

• US 20090239512A1
• Filed: 03/23/2009
• Published: 09/24/2009
• Est. Priority Date: 12/04/2006
• Status: Active Grant

• Current Assignee: Ayman Hammad, Brian Triplett, Philip Dixon
• Original Assignee: Ayman Hammad, Brian Triplett, Philip Dixon
• Inventors: Dixon, Phil, Hammad, Ayman, Triplett, Brian
• Granted Patent: US 8,733,663 B2
• Time in Patent Office: Days
• US Class Current: 455/414.100
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

Claims

1-24. -24. (canceled)

25. A mobile wireless device, comprising:

an interface to enable communication over a wireless communications network;

a data storage element containing a first and a second data storage region, wherein the first data storage region is dedicated to data for a payment transaction and the second data storage region is dedicated to data for a plurality of venue or system access transactions, wherein the second data storage region further comprises

an index file containing data identifying a file corresponding to each of the venue or system access transactions, the index file including data identifying an agent or agency responsible for controlling access to each of the venue or system transactions; and

a plurality of data files containing access control data, wherein each of the plurality of data files is one of the files corresponding to each of the venue or system transactions and the file corresponding to each one of the venue or system transactions includes access control data for that venue or system.

26. The mobile wireless device of claim 25, wherein the second data storage region is dynamically configurable.

27. The mobile wireless device of claim 25, wherein the device is a mobile phone.

28. The mobile wireless device of claim 25, wherein the device is a PDA.

29. The mobile wireless device of claim 25, wherein at least one of the venue or system access transactions is a transit system access transaction.

30. A mobile wireless device, comprising:

an interface to enable communication over a wireless communications network;

a data storage element, the data storage element partitioned into two regions, wherein the two regions comprise

a first region dedicated to data for a commerce transaction; and

a second region dedicated to data for one or more venue or system access transactions wherein the second region is divided into a plurality of regions, with each of the plurality of regions containing data for a different venue or system access transaction, and further, wherein the second region includes a data file containing data identifying an agency responsible for each of the venue or system access transactions.

31. The mobile wireless device of claim 30, wherein the second region is dynamically configurable.

32. The mobile wireless device of claim 30, wherein the device is a mobile phone.

33. The mobile wireless device of claim 30, wherein the device is a PDA.

34. The mobile wireless device of claim 30, wherein at least one of the transactions for which data is contained in the second region is a transit system access transaction.

35. A mobile wireless phone, comprising:

circuitry to enable implementation of telephony functions over a wireless communications network;

an interface to a data storage element; and

a data storage element, the data storage element further comprising a first and a second data storage region, wherein the first data storage region is dedicated to data for a payment transaction and the second data storage region is dedicated to data for a plurality of venue or system access transactions, wherein the second data storage region further comprises

an index file containing data identifying a file corresponding to each of the venue or system access transactions, the index file including data identifying an agent or agency responsible for controlling access to each of the venue or system transactions; and

a plurality of data files containing access control data, wherein each of the plurality of data files is one of the files corresponding to each of the venue or system transactions and the file corresponding to each one of the venue or system transactions includes access control data for that venue or system.

36. The mobile wireless phone of claim 35, wherein the second region is dynamically configurable.

37. The mobile wireless phone of claim 35, wherein at least one of the venue or system access transactions is a transit system access transaction.

38. A mobile wireless phone, comprising:

circuitry to enable implementation of telephony functions over a wireless communications network;

an interface to a data storage element; and

a data storage element, the data storage element partitioned into two regions, wherein the two regions comprise

a first region dedicated to data for a commerce transaction; and

a second region dedicated to data for one or more venue or system access transactions, wherein the second region is divided into a plurality of regions, with each of the plurality of regions containing data for a different venue or system access transaction, and further, wherein the second region includes a data file containing data identifying an agency responsible for each of the venue or system access transactions.

39. The mobile wireless phone of claim 38, wherein the second region is dynamically configurable.

40. The mobile wireless phone of claim 38, wherein at least one of the venue or system access transactions is a transit system access transaction.