Chip card based payment system having an on-card flag for specif

Details Chip card based payment system having an on-card flag for specif Chip card based payment system having an on-card flag for specif

1995-08-25

1997-06-03

Hajec, Donald T.

Registers

Systems controlled by data bearing records

Credit or identification card systems

235382, 235436, G06K 500

Patent

active

056356951

ABSTRACT:
Improved integrity of a payment system for paying for services or goods, for example, telephone facilities, through use of electronic payment cards. In any session to increase a card balance, a "flag" is placed ("1") on the payment card which indicates that the session must not be interrupted. After completion, the flag is removed again ("0"). A session to pay for the product or the service or to increase the balance can only be established if the flag is absent ("0") indicating that the last session to increase the balance was correctly completed. If, on the other hand, the flag is still "1" at the start of a session, a correction routine is first performed in which the previous session to increase the balance is then correctly concluded to prevent the flag being removed by fraud, the flag can only be removed by a central system (PSTN/ABS) through issurance of an authorized instruction.

REFERENCES:
patent: 4845351 (1989-07-01), Hara et al.
patent: 4877945 (1989-10-01), Fujisaki
patent: 5155342 (1992-10-01), Urano
patent: 5175416 (1992-12-01), Mansvelt et al.
patent: 5401950 (1995-03-01), Yoshida
patent: 5504701 (1996-04-01), Takahashi et al.

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