GB2324186A - Card charging systems - Google Patents

Card charging systems Download PDF

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Publication number
GB2324186A
GB2324186A GB9807886A GB9807886A GB2324186A GB 2324186 A GB2324186 A GB 2324186A GB 9807886 A GB9807886 A GB 9807886A GB 9807886 A GB9807886 A GB 9807886A GB 2324186 A GB2324186 A GB 2324186A
Authority
GB
United Kingdom
Prior art keywords
card
charging system
security
transaction
clearing centre
Prior art date
Legal status (The legal status 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 status listed.)
Granted
Application number
GB9807886A
Other versions
GB9807886D0 (en
GB2324186B (en
Inventor
Christopher John Stanford
Jong Eduard Karel De
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Transmo Ltd
Original Assignee
Transmo Ltd
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 Transmo Ltd filed Critical Transmo Ltd
Publication of GB9807886D0 publication Critical patent/GB9807886D0/en
Publication of GB2324186A publication Critical patent/GB2324186A/en
Application granted granted Critical
Publication of GB2324186B publication Critical patent/GB2324186B/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • G07B15/02—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A card charging system wherein a security and transaction device is located between a smart card reader, more especially a contactless card reader, and a host facility to enable a purchase to be made in return for a credit debited from the card, and wherein the security and transaction device stores each individual use of a card and transmits information relating to the time and amount debited, and downloads such information to a clearing centre to enable the latter to keep a log of individual card usage and thereby enable fraud detection.

Description

1 Title I=roved Card Charcinq Systems
Field of the invention
2324186 This invention concerns card charging systems of the type in which a pre- programmed card is read and validated by a suitable card reader and data stored on the card is decremented according to the cost of a purchase and made available to the user after the transaction. The system includes a security device to be installed to ensure correct control between the card read/write unit and a transaction recording - payment collection system so as to form an integral part of the revenue allocation process.
Backcround to the Invention It is known to provide coin, token or card operated mechanisms for the collection of payment for goods or services such as bus fare collection systems, pay and display parking devices, prepared food delivery systems and the like. Such devices may be capable of debiting prepaid or credit cards such as the systems currently in use for the provision of telecommunication services and the concept of a prepayment credit card for obtaining bus journeys and tickets for train 3ourneys has already been tried.
According to the invention of our pending U.K. Patent Application No. 2287565, there is provided a security and transaction device for use in connection with a card read/write device comprising: signal transmission means for delivering signals to a host facility to enable a purchase to be made in return for an amount of credit debited from a card after the latter has been read by a card reader, which signals comprise unique identification number together with signals defining public key-based security system; a record keeping subsystem 2 adapted to certify a credit debited from the card and identify which one of a plurality of accounts is to receive the debited credit; and signal processing and output means for generating signals indicative of a successful transaction and of an appropriate f orm and value so that in use the generated signal indicates to the host facility the nature of the transaction completed and the purchase which is now to be made available.
The host facility may be a service providing facility where the purchase involves provision of a service such as transportation, seating in an auditorium or the like.
Alternatively the host facility may be a product providing facility where the purchase involves supply of a product such as foodstuffs, clothing, medication and the like.
Optionally the device includes a smart card reader and further signal processing means, whereby a smart card open payment system may be employed in lieu of a prepayment credit card system, for payment for a service or commodity.
An aim of the present invention is to provide an improved card charging system, more especially but not exclusively the system subject of the aforesaid patent application.
The Invention According to the invention, there is provided a card charging system comprising a security and transaction device located between a smart card reading device and a host facility to which signals are delivered from the security and transaction device to enable a purchase to be made in return for an amount of credit debited from the card, wherein the security and transaction device records the individual use in respect of time and amount debited, which information is transmitted to a clearing centre having a record of the location of the or each security and transaction module, whereby the clearing 3 centre is enabled to keep up to date a log of individual card usage.
Thus, whilst a stored value card is eminently suitable as a payment device, there exists a demand to offer a service that ensures the correct allocation of revenue in a subsidised payment scheme, such as a subsidised travel scheme. To this end, many urban transit developments plan to use a contactless ',smart card" (CICC) for season tickets/concessionary fares.
The present invention is more especially concerned with card tracking and fraud detection in the case of such smart cards.
Further details of the invention will be apparent from the following description.
For the purposes of monitoring the operation of the card scheme a number of gas meters (which are non-volatile storage devices) are reserved in the security and transaction device for carrying performance data back to the control system (clearing centre). One or more such gas meters may store data relating to both credit card readers and smart card contactless card readers.
The present invention is especially concerned with card tracking and fraud detetion.
It is inevitable that systems using cards that have potentially global acceptance will come under attack from fraudulently created/ simulated cards. As part of the potential fraud detection mechanism, the system may be able, where relevant, to adopt transaction tracking. Each card has a unique serial number which will be stored along with its remaining value in the security and transaction (TSM) module. This information is transmitted to the clearing centre (TCC) via the same channel as currently used for the gas meter data (an additional record type is envisaged). The TSM module may be capable, for example, of holding in non- volatile memory details of the last 4 1, 000 transactions carried out through that TSM. It is possible to select whether the latest 100, or 200, etc. in steps of 100 up to the full 1,000 transactions are sent via the host equipment to the clearing centre along with the totals.
The tracking information can then be forwarded to the issuer or agent acting on behalf of the issuer to maintain a data base of card usage. By this means either the operator (host facility) or the issuer will be able to keep a data base of the approximate value remaining on any pre-paid card used in the system. This data base will allow the operator or the issuer the ability to:
Refund value on failed cards (assuming the user returns the card and its serial number is visibly printed on the card as is the case for many telephone cards) Spot the use of cloned cards where either values are reported out of chronological order or appear in multiple geographic locations at the same time.
Transaction tracking also compensates for the loss of visual marking of the remaining balance on the card and previous transaction data recovery, both of which are only economically possible with the current magnetic cards.
more generally, therefore, because the TSM records each individual use of each smart card, and because the clearing centre has a record of the location of each TSM, the exact time and location of each smart card transaction are recorded, as well as any remaining value on the smart card. This enables a log of card use to be maintained which will identify any inconsistencies in the transaction record relating to the card value, location of transaction and time of transaction, which would flag up possible copied cards in the system, which can then be regarded as "hot cards" (i.e. stolen) and therefore rendered invalid.
Reference is made to co-pending application filed herewith under our reference C557/T, and in particular to Figure 4 of the drawings and related description, for further information relating to card charging systems in which this invention can be incorporated.
6

Claims (8)

Claims
1. A card charging system comprising a security and transaction device located between a smart card reading device and a host facility to which signals are delivered from the security and transaction device to enable a purchase to be made in return for an amount of credit debited from the card, wherein the security and transaction device records the individual use in respect of time and amount debited, which information is transmitted to a clearing centre having a record of the location of the or each security and transaction module, whereby the clearing centre is enabled to keep up to date a log of individual card usage.
2. A card charging system according to claim 1, wherein the clearing centre log includes the exact time and location of each smart card transaction, as well as any remaining credit on the card.
3. A card charging system according to claim 2, wherein the clearing centre incorporates means for identifying any inconsistencies in the log with respect to the smart card value and the locations and times of transactions.
4. A card charging system according to claim 2 or claim 3, wherein the clearing centre has means for flagging cards giving rise to inconsistencies in the log.
5. A card charging system according to any of claims 1 to 4, wherein the clearing centre stores the remaining credit on the smart card in association with a serial number allotted to the card.
6. A card charging system according to any of claims 1 to 5, wherein the security and transaction device is able to store data relating to a large plurality of smart cards and selectively simultaneously transmit some or all the data to the 7 clearing centre.
7. A card charging system according to any of claims 1 to 6, wherein the card reader is a smart card contactless card reader.
8. A card charging system substantially as hereinbefore described
GB9807886A 1997-04-12 1998-04-09 Improved card charging systems Expired - Fee Related GB2324186B (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GBGB9707451.2A GB9707451D0 (en) 1997-04-12 1997-04-12 Improved card charging systems

Publications (3)

Publication Number Publication Date
GB9807886D0 GB9807886D0 (en) 1998-06-10
GB2324186A true GB2324186A (en) 1998-10-14
GB2324186B GB2324186B (en) 2001-06-06

Family

ID=10810706

Family Applications (5)

Application Number Title Priority Date Filing Date
GBGB9707451.2A Pending GB9707451D0 (en) 1997-04-12 1997-04-12 Improved card charging systems
GB9807886A Expired - Fee Related GB2324186B (en) 1997-04-12 1998-04-09 Improved card charging systems
GB9807884A Expired - Fee Related GB2324184B (en) 1997-04-12 1998-04-09 Improved card charging systems
GB9807885A Expired - Fee Related GB2324185B (en) 1997-04-12 1998-04-09 Improved card charging systems
GB9807887A Expired - Fee Related GB2324187B (en) 1997-04-12 1998-04-09 Improved card charging systems

Family Applications Before (1)

Application Number Title Priority Date Filing Date
GBGB9707451.2A Pending GB9707451D0 (en) 1997-04-12 1997-04-12 Improved card charging systems

Family Applications After (3)

Application Number Title Priority Date Filing Date
GB9807884A Expired - Fee Related GB2324184B (en) 1997-04-12 1998-04-09 Improved card charging systems
GB9807885A Expired - Fee Related GB2324185B (en) 1997-04-12 1998-04-09 Improved card charging systems
GB9807887A Expired - Fee Related GB2324187B (en) 1997-04-12 1998-04-09 Improved card charging systems

Country Status (1)

Country Link
GB (5) GB9707451D0 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6473500B1 (en) * 1998-10-28 2002-10-29 Mastercard International Incorporated System and method for using a prepaid card
WO2003006299A2 (en) * 2001-07-12 2003-01-23 Ivo Van Ginderachter Transportation system for passengers and goods or containers

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5144115A (en) * 1990-01-29 1992-09-01 Hi Tachi, Ltd. Transaction inquiring method and apparatus
WO1995012856A1 (en) * 1993-11-03 1995-05-11 Smart Payment Systems Limited A hotel management system
US5577121A (en) * 1994-06-09 1996-11-19 Electronic Payment Services, Inc. Transaction system for integrated circuit cards

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPS5972572A (en) * 1982-10-19 1984-04-24 Omron Tateisi Electronics Co Terminal device for settlement of credit transaction
FR2642202B1 (en) * 1989-01-25 1994-02-18 Urba 2000 ELECTRONIC PAYMENT SYSTEM FOR TRANSPORT AND PUBLIC SERVICES BY MICROCIRCUIT CARDS
GB9405362D0 (en) * 1994-03-18 1994-05-04 Transmo Limited Improved card charging system
DE19548581C2 (en) * 1995-12-28 2003-02-27 Deutsche Telekom Ag Process for billing electronic wallet systems on chip cards

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5144115A (en) * 1990-01-29 1992-09-01 Hi Tachi, Ltd. Transaction inquiring method and apparatus
WO1995012856A1 (en) * 1993-11-03 1995-05-11 Smart Payment Systems Limited A hotel management system
US5577121A (en) * 1994-06-09 1996-11-19 Electronic Payment Services, Inc. Transaction system for integrated circuit cards

Also Published As

Publication number Publication date
GB2324184B (en) 2001-06-06
GB2324185A (en) 1998-10-14
GB9807886D0 (en) 1998-06-10
GB2324184A (en) 1998-10-14
GB9807884D0 (en) 1998-06-10
GB2324187B (en) 2001-06-06
GB2324186B (en) 2001-06-06
GB2324187A (en) 1998-10-14
GB9707451D0 (en) 1997-05-28
GB9807887D0 (en) 1998-06-10
GB2324185B (en) 2001-06-06
GB9807885D0 (en) 1998-06-10

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Legal Events

Date Code Title Description
PCNP Patent ceased through non-payment of renewal fee

Effective date: 20030409