WO2005024591A3 - System and method for securely authorizing and distributing stored-value card data - Google Patents

System and method for securely authorizing and distributing stored-value card data Download PDF

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Publication number
WO2005024591A3
WO2005024591A3 PCT/US2004/028932 US2004028932W WO2005024591A3 WO 2005024591 A3 WO2005024591 A3 WO 2005024591A3 US 2004028932 W US2004028932 W US 2004028932W WO 2005024591 A3 WO2005024591 A3 WO 2005024591A3
Authority
WO
WIPO (PCT)
Prior art keywords
value card
stored
trusted
communications network
card data
Prior art date
Application number
PCT/US2004/028932
Other languages
French (fr)
Other versions
WO2005024591A2 (en
Inventor
Phillip Craig Graves
Merrill Brooks Smith
Original Assignee
E2Interactive Inc
Phillip Craig Graves
Merrill Brooks Smith
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by E2Interactive Inc, Phillip Craig Graves, Merrill Brooks Smith filed Critical E2Interactive Inc
Priority to EP04783244A priority Critical patent/EP1690151A4/en
Priority to MXPA06002448A priority patent/MXPA06002448A/en
Priority to CA002537445A priority patent/CA2537445A1/en
Priority to BRPI0414135-0A priority patent/BRPI0414135A/en
Priority to JP2006525497A priority patent/JP5021306B2/en
Priority to CN200480025556.0A priority patent/CN1998019B/en
Publication of WO2005024591A2 publication Critical patent/WO2005024591A2/en
Priority to IL174065A priority patent/IL174065A/en
Publication of WO2005024591A3 publication Critical patent/WO2005024591A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3558—Preliminary personalisation for transfer to user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a plurality of records comprising stored-value card data for each stored-­value card as well as information identifying a plurality of trusted sources of stored-value card activation requests and/or a plurality of trusted communications networks for transmitting stored-­value card activation requests. A transmitting step allows for a requesting terminal to transmit over a communications network a request to change the status of a stored-value card. The central processor then determines whether the requesting terminal and/or the communications network is a trusted source. Based on whether the requesting terminal or communications network is a trusted source or trusted communications network, the request can be processed and the card can be activated. A method for establishing a list of trusted sources and trusted communications networks is also provided.
PCT/US2004/028932 2003-09-05 2004-09-03 System and method for securely authorizing and distributing stored-value card data WO2005024591A2 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
EP04783244A EP1690151A4 (en) 2003-09-05 2004-09-03 System and method for securely authorizing and distributing stored-value card data
MXPA06002448A MXPA06002448A (en) 2003-09-05 2004-09-03 System and method for securely authorizing and distributing stored-value card data.
CA002537445A CA2537445A1 (en) 2003-09-05 2004-09-03 System and method for securely authorizing and distributing stored-value card data
BRPI0414135-0A BRPI0414135A (en) 2003-09-05 2004-09-03 system and method for securely authorizing and distributing data stored on the value card
JP2006525497A JP5021306B2 (en) 2003-09-05 2004-09-03 System and method for securely authenticating and distributing stored value card data
CN200480025556.0A CN1998019B (en) 2003-09-05 2004-09-03 Be used for the system and method for mandate safely and distributing stored-value card data
IL174065A IL174065A (en) 2003-09-05 2006-03-02 System and method for securely authorizing and distributing stored-value card data

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/655,828 US8706630B2 (en) 1999-08-19 2003-09-05 System and method for securely authorizing and distributing stored-value card data
US10/655,828 2003-09-05

Publications (2)

Publication Number Publication Date
WO2005024591A2 WO2005024591A2 (en) 2005-03-17
WO2005024591A3 true WO2005024591A3 (en) 2006-10-12

Family

ID=34226208

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/028932 WO2005024591A2 (en) 2003-09-05 2004-09-03 System and method for securely authorizing and distributing stored-value card data

Country Status (9)

Country Link
US (3) US8706630B2 (en)
EP (2) EP1690151A4 (en)
JP (2) JP5021306B2 (en)
CN (1) CN1998019B (en)
BR (1) BRPI0414135A (en)
CA (2) CA2480353A1 (en)
IL (1) IL174065A (en)
MX (1) MXPA06002448A (en)
WO (1) WO2005024591A2 (en)

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JP5265602B2 (en) 2013-08-14
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BRPI0414135A (en) 2006-10-31
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