WO2003046848A2 - Interoperabilite de porte-monnaie - Google Patents

Interoperabilite de porte-monnaie Download PDF

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Publication number
WO2003046848A2
WO2003046848A2 PCT/GB2002/005313 GB0205313W WO03046848A2 WO 2003046848 A2 WO2003046848 A2 WO 2003046848A2 GB 0205313 W GB0205313 W GB 0205313W WO 03046848 A2 WO03046848 A2 WO 03046848A2
Authority
WO
WIPO (PCT)
Prior art keywords
card
data item
value data
purse
application
Prior art date
Application number
PCT/GB2002/005313
Other languages
English (en)
Other versions
WO2003046848A3 (fr
Inventor
Barry Sim Hochfield
William Stephen Mcspadden
Original Assignee
Ecebs Limited
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 Ecebs Limited filed Critical Ecebs Limited
Priority to AU2002343091A priority Critical patent/AU2002343091A1/en
Publication of WO2003046848A2 publication Critical patent/WO2003046848A2/fr
Publication of WO2003046848A3 publication Critical patent/WO2003046848A3/fr

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
    • G07F7/08—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

Definitions

  • the invention relates to electronic purse applications.
  • Such applications are not new technology; they allow consumers who do not have, or cannot obtain, bank accounts, a means of carrying 'cash' with reduced risk. These same consumers are, of course, excluded from paying by credit card by the very fact that they do not hold a bank account.
  • the card application allows them to pay merchants or vendors involved in the scheme using the card.
  • EMV Europay/Mastercard ⁇ isa
  • EMV Europay/Mastercard ⁇
  • ICC Visa Integrated Circuit Card
  • the application allows a card to determine whether a user should be allowed to complete off-line transactions according to in-built card risk management rules. These rules are based on limits specified by the card issuer. Under the Visa scheme, the card is also allowed to force a transaction to go on-line to the issuer if certain limits are exceeded. The card can also decline a transaction instantly if additional limits are reached. All of these limits are configurable by the card issuer and are set according to the issuer's requirements for the application. They also incorporate the cardholder's credit history and requirements.
  • a smartcard and a smartcard system comprising a card bearing an electronic purse application including a current purse value data item and an interface device by means of which the current purse value data item can be input to the electronic purse application; the card also carrying a card risk management application requiring at least one limit value data item; the system being characterised in that the card risk management application utilises the said current purse value data item as the required limit value data item.
  • the current purse value data item and the limit value data item may be stored on the card using different formats; the card is, in a preferred embodiment provided with means for converting the current purse value data item to the format used for storing the limit value data item.
  • such a scheme has the advantage the card can be accepted and will perform the 'normal' transaction irrespective of the terminal used, secure in the knowledge that settlement will occur in the usual way.
  • GenerateAC Generate Application Cryptogram
  • a second GenerateAC command is usually executed so that the card is informed of the issuer's response and/or whether the terminal was actually able to communicate with the issuer.
  • the card then employs further risk management rules to determine how it should react to the different possible responses, that is, either accept or decline transaction.
  • the Visa application specification utilises three data items which are of particular interest. These are described in Table 1 below and are explained in detail in Appendix A of the Visa specification referred to above.
  • these data items are used at a point in the card risk management where the amount of the transaction (Amount Authorised - 'AA') is combined with the COT and then compared to the Cumulative total Transaction Amount limit ('CTTAL'). If the combined total exceeds the CTTAL, the transaction is generally forced to go online. It is only at this point in the transaction flow that the actual amount of the transaction plays any part in the decision process. In effect, all three data items are counters and can be regarded as such. In a similarly simplistic view, the balance held on an electronic purse is also a counter. All of these 'counters' have application-specific rules as to when and how they are updated.
  • the balance can only be updated via a dedicated terminal which accepts cash, performs suitable mutual authentication with the card and then credits the card's cash balance with the received cash value. If this data item is then also referenced as the CTTAL within the Visa application, it is clear that, as cash is spent, the COT will be incremented with each AA received in each offline transaction (as per the normal Visa application flow) until a point is reached where the offline amount stored plus the amount of the desired transaction exceeds the CTTAL (the purse balance) and an online transaction is required to reload the purse.
  • the Visa application allows for 15 bytes of Issuer Discretionary Data, which terminals (in national markets only) pass back to the issuer for interpretation.
  • the purse vendor is the issuer, the opportunity to place status, balance and any other information the issuer desires is provided for via this mechanism.
  • the merchant terminal has the means to accept cash from the cardholder at that point, it may be possible to perform a reload of the purse balance at the merchant terminal.
  • the COT and CTTAL can either be reset as part of the proprietary purse LOAD command or via a zero amount transaction followed by the secure messaging commands detailed below. If the merchant terminal cannot accept cash, visiting the purse issuer's dedicated terminal will allow the purse balance (limit) to be configured under the complete control of the issuer. A dummy EMV transaction, for a zero amount, can then be performed by that terminal to reset the COT value so that the cardholder can immediately use the card in an offline environment.
  • script processing can then be used to update the CTTAL value via a PUT DATA command.
  • the additional benefit of using this value as the 'hook' between the two applications is that there are no limitations as to when the PUT DATA command is executed. If this value were stored in a record within a file, for instance, then the UPDATE RECORD command with secure messaging would need to be invoked.
  • the issue here is that with the current Visa application, only non-critical script processing is supported. Thus, no script processing can occur between GenerateAC commands. Any updates can only be performed after the transaction has been concluded under the currently supported Visa application.
  • the purse issuer is the Visa card issuer
  • the purse balance can be controlled precisely by the issuer using standard Visa functionality.
  • the transaction is simply declined and a standard reload of the purse (with whatever security mechanisms for authentication and data integrity that that scheme provides) is used to add value to the purse.
  • the balance repository if the purse is updated as per normal and the next time the Visa application is called on to perform a transaction, the current purse balance will be extracted and used.
  • the main difficulty which arises is the possibility of a discrepancy between the format used to store the purse balance and, specifically in the case of the Visa application, the CTTAL, which, in the case of Visa V 1.3.2 is a BCD encoded 12-digit value. If the purse application uses a different mechanism, then one of the two applications will require additional functionality to convert the value to the correct format.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Input From Keyboards Or The Like (AREA)

Abstract

Dans un système de carte à puce, une carte comprend une application de porte-monnaie électronique comportant une donnée de valeur de porte-monnaie courante. Ledit système comprend un dispositif d'interface permettant d'introduire la donnée de valeur de porte-monnaie courante dans l'application de porte-monnaie électronique. Ladite carte comprend également une application de gestion des risques de carte exigeant au moins une donnée de valeur limite. Selon l'invention, l'application de gestion des risques de carte utilise ladite donnée de valeur de porte-monnaie courante comme donnée de valeur limite. Ladite donnée de valeur de porte-monnaie courante et la donnée de valeur limite peuvent être stockés sur la carte sous différents formats et la carte peut contenir des moyens de conversion de la donnée de valeur de porte-monnaie courant dans le format utilisé pour stocker la donnée de valeur limite ; cela permet d'utiliser la carte avec une variété de dispositifs d'interface compatibles avec différentes applications de porte-monnaie électronique.
PCT/GB2002/005313 2001-11-26 2002-11-26 Interoperabilite de porte-monnaie WO2003046848A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002343091A AU2002343091A1 (en) 2001-11-26 2002-11-26 Purse interoperability

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0128292.0 2001-11-26
GB0128292A GB0128292D0 (en) 2001-11-26 2001-11-26 Purse interoperability

Publications (2)

Publication Number Publication Date
WO2003046848A2 true WO2003046848A2 (fr) 2003-06-05
WO2003046848A3 WO2003046848A3 (fr) 2003-10-16

Family

ID=9926462

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2002/005313 WO2003046848A2 (fr) 2001-11-26 2002-11-26 Interoperabilite de porte-monnaie

Country Status (3)

Country Link
AU (1) AU2002343091A1 (fr)
GB (1) GB0128292D0 (fr)
WO (1) WO2003046848A2 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5590038A (en) * 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
WO1998014916A2 (fr) * 1996-10-01 1998-04-09 Michael Coveley Carte de credit universelle
US6016963A (en) * 1998-01-23 2000-01-25 Mondex International Limited Integrated circuit card with means for performing risk management

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5590038A (en) * 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
WO1998014916A2 (fr) * 1996-10-01 1998-04-09 Michael Coveley Carte de credit universelle
US6016963A (en) * 1998-01-23 2000-01-25 Mondex International Limited Integrated circuit card with means for performing risk management

Also Published As

Publication number Publication date
GB0128292D0 (en) 2002-01-16
AU2002343091A1 (en) 2003-06-10
WO2003046848A3 (fr) 2003-10-16

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