System for safe collection of payment including electronic...

Details System for safe collection of payment including electronic... System for safe collection of payment including electronic...

1997-10-22

2003-08-19

Dixon, Thomas A. (Department: 3629)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Reexamination Certificate

active

06609114

ABSTRACT:

SUMMARY OF THE INVENTION
A portion of the disclosure of this patent document contains material which is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent document or the patent disclosure, as it appears in the Patent and Trademark Office patent file or records, but otherwise reserves all copyright rights whatsoever.
In the present specification and claims, the following terminology is employed:
An entity is considered to have “a credit of X dollars for cash receivables”, also termed herein AMT, or “X$ of CCRs”, if he has been granted the right to accept X dollars in cash.
The term “cash” or “$CASH” refers to physical money as opposed to other vehicles by which payment can be made such as electronic money, credit cards, cheques, bank transfers and the like.
A client of a system which provides services in return for payment is an entity which pays the system and, in return, receives a service. For example, the passengers of a transportation system are the transportation system's clients.
The term “purse” is used to denote a payment manipulating element. A “client's purse” is a purse belonging to a client which holds a certain amount of value, either cash or virtual value, which the client may use to pay the system. A “system element's purse” is a purse belonging to an element of the system, such as one of elements
20
,
60
,
70
,
80
, etc., which holds a credit for cash receivables, i.e. an entitlement to receive physical cash.
The following abbreviations and notations are employed in the present specification. The definitions provided herein refer only to a preferred embodiment of the present invention and are not intended to be limiting.
$CASH—Bills and coins (physical cash), normally used as legal tender.
Acquirer—Bank or other Issuer who clears transactions.
a Alpha—the first letter of the Greek alphabet.
A (a)
AAC Application Authentication Cryptogram—A response sent by the SAM/SC indicating a rejection of a transaction.
AAR Application Authorization Referral—A response sent by the SAM/SC indicating a request for a referral.
AC Application Cryptogram—A cryptogram sent by the SAM/SC indicating the state of a transaction.
ACC Application Currency Code—Identifies what currency is used in a transaction
ACN Account Number—A unique number identifying smart card's account with an issuer. See PAN.
ACK Acknowledgment—Confirmation of acceptance of transmission. Application Default Action—A data element indicating the action a card should take for certain exceptional conditions.
ADF Application Definition File—A file that contains data which defines application properties.
AED Application Expiration Date—A closure date after which application may cease to be valid.
AEF Application Elementary File—A basic file that contains data which can be used by the SAM/SC.
Application Elementary File Data Template—Attributes of a file stored in the FCI.
Application Effective Date—Starting Date from which the application may be used.
AFL Application File Locator—A string divided into fields of typically four bytes, pointing to file and record numbers, containing relevant application information.
AID Application Identifier—Identifies the application as described in ISO 7816-5, comprises the RID and the PIX.
ISO7816—The set of standards for manufacturing ICCs. Serves as basis for most other
Parts 1+5 standards.
AIP Application Interchange Profile—Indicates capabilities of the card.
AMD Application Management Data—
AMT Amount of Transaction—A Binary Coded Decimal, exact to 1/100, in the present example.
[AMT
XY
] Subscript DP signifies the amount to be collected by a parking meter for parking until the end of the regulated parking day, e.g., parking may be free from 7:00 PM.
Else, subscript XY signifies AMT transferred from X to Y.
an Alphanumeric—A data sequence which may represent letters, punctuation marks, and numbers (characters). ASCII is for alphanumerics.
ans Alphanumeric Special—
APC Automatic Passenger Counting system—an electronic system which audits the number of passengers in an autobus.
APDU Application Protocol Data Unit—A command response, data template or data structure
AR Account Receivables—an archive of completed transactions, preferably with PK proof, typically with identification and time of transaction. The account receivable archive is external to the SAM; as opposed to the CAR, the credit for accounts receivable, which may only be a PK protected re Archive File (Cryptographically Linked)—A working file which is composed of data fields which are linked together in a fashion such that removal of or alteration of data in any Archive File field can be detected.
Asymmetric (PKC)—Public Key Cryposystems where all subscribers have unique (not shared) secret keys and unique, universally available public identifiers.
ARPC Authorization Response Cryptogram—A response, sent by the issuer, upon receipt of an ARQC, which proves its authenticity.
ARQC Authorization Request Cryptogram—A response, sent by the card, indicating a request to go on-line.
ATC Application Transaction Counter—The transaction numerator which is incremented at every transaction performed by a SAM/SC.
ATM Automated Teller Machine—A remote banking machine for distributing money and performing other functions generally performed by a human bank teller. (Banking)
ATM Automatic Ticketing Machine—see TIM
ATR Answer to Reset—A data string emitted by a smart card ICC at reset, to supply information, e.g., the type of circuit, operating system ID, communication parameters, etc.
Auth. Authentication—proving the validity and acceptance of liability to a string of data (certificate), usually to prove identity of a device, either as a preamble to a transaction or as a control to access.
b Binary—An Integer number system where all numbers are represented by strings of modulo 2 digits (bits), e.g., each digit is either a one or a zero. The string
1011
is equal to 2
3
+2
1
+2
0
=11.
BAL Balance in a purse
BCD Binary Coded Decimals—A binary code where each decimal digit is represented by a nibble (4 bits). bit—a binary digit, i.e. a bit can be equal to a one or a zero.
BER-TLV Basic Encoding Rules Tag Length Value
BGT Block Guard Time—see T=1 timing.
BIN Base Identification Number—Blind transfer. Sending an electronic transaction over an open channel, without first establishing a formal link with a second party, e.g., depositing an electronic cheque in a mailbox, without explicitly communicating with the recipient, while enabling the recipient of the transfer to credit his internal purse without performing a clearance via a trusted third party, e.g., a bank, Visa, etc.
See CCCR and RCCCR.
bus (Motorola often prints buss)—an internal data channel which connects a
CPU with its peripherals.
BUI Bus (Autobus) Interface Unit—Connects the TIM's bus peripherals, power supply, network interface, etc. to the TIM's motherboard.
BWI Block Waiting time Integer—see T=1 timing.
BWT Block Waiting Time—see T=1 timing.
C-APDU Command APDU—for T=0 timing—Command+Data sent from an application to the TTL.
CAR Credit for Accounts Receivables—The mechanism, (very similar to the CCR), meant to control account value (generally electronic) received and transferred by SAM/SCs. Generally, such value will be handled by a central clearance organization (see acquirer). When electronic value is accepted by a SAM/SC, e.g., a vending machine, a TIM, a parking meter, following rules established by the SC issuer, the SAM/SC's CAR is decremented. Means and methodology in this document with relation to transfers of CCRs may be applicable with CARs. However, the motivation for full authentication of the terminal to the SAM/SC is diminished by the inherent delay in debiting and crediting ECASH, and the decreased value of ECASH to a rogue or a rogue organization, owing to the traceability of an ECASH transaction, and the efficient clearance abilities of the acquirer.
For example a cash advance pub

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