초록 ▼

An offline code-based reload device and method for adding value to a reconfigurable memory storage means in a portable storage medium. Reload is effected using a reload device not directly connected by telephone or any other communication network to a value supplier. The system uses a "one time use

An offline code-based reload device and method for adding value to a reconfigurable memory storage means in a portable storage medium. Reload is effected using a reload device not directly connected by telephone or any other communication network to a value supplier. The system uses a "one time use number" ("OTN") generated by a computer program containing an algorithm containing information on the value to be added and a transaction sequence number ("TSN"). Upon presentation of the portable storage medium to the reload device and entry of the OTN into a numeric keypad, the reload device decodes or disassembles the OTN to verify its authenticity, validate that it was created for the specific portable storage medium presented to the reload device and to verify through the TSN that the OTN has not been previously used to add value from the receiving reload device or any other reload device. The reload device further extracts the value from the OTN, adds the value to a selected purse on the portable storage medium and loads a new TSN to the portable storage medium.

대표청구항 ▼

What is claimed is: 1. A method for a value supplier to transfer value to an electronic purse possessed by a holder without requiring direct electronic communication between said value supplier and said electronic purse, said method comprising the steps of: (i) storing in a storage medium, a Card I

What is claimed is: 1. A method for a value supplier to transfer value to an electronic purse possessed by a holder without requiring direct electronic communication between said value supplier and said electronic purse, said method comprising the steps of: (i) storing in a storage medium, a Card Identification Code, a machine readable and reconfigurable Transaction Sequence Number and at least one said purse wherein each said purse is a machine readable reconfigurable storage means and has a unique purse address for identifying each said purse; (ii) recording by a value supplier computer said Transaction Sequence Number in relation to said Card Identification Code in a reconfigurable data storage and retrieval system; (iii) receiving by said value supplier computer a request from said holder including said Card Identification Code, a purse address, a desired value and payment instructions; (iv) comparing by said value supplier computer said Transaction Sequence Number stored in said data storage and retrieval system against the Card Identification Code presented in step (iii); (v) generating by said value supplier computer, using an encryption algorithm, a unique One Time Number incorporating said Card Identification Code, said Transaction Sequence Number, said purse address and said desired value; (vi) transmitting by said value supplier computer said One Time Number to said user; (vii) updating by said value supplier computer said Transaction Sequence Number in said storage and retrieval system to vary said Transaction Sequence Number by a predetermined increment; (viii) providing a reload device having a reader for reading said Transaction Sequence Number from said portable storage medium, Card Identification Code input means for receiving said Card Identification Code from said storage medium, One Time Number input means for receiving said One Time Number from said holder, a decrypter having a decryption algorithm corresponding to said encryption algorithm in step (v) for decrypting said One Time Number into its Identification Code, Transaction Sequence Number, purse address and desired value components, a verifier for verifying that said Card Identification Code and Transaction Sequence Number on said storage medium accord with said One Time Number input by said holder and a loader for loading value into said at least one purse corresponding to said desired value; (ix) receiving said storage medium in said reload device; (x) determining by said reload device said Card Identification Code and Transaction Sequence Number on said storage medium, said desired value, said purse address and said One Time Number; (xi) decrypting by said reload device said One Time Number using said decryption algorithm; (xii) verifying by said reload device whether said Card Identification Code and Transaction Sequence Number components of said One Time Number conform to said Transaction Seauence Number and said Card Identification Code on said storage medium; (xiii) based on said verifying in step (xii) determining conformance, identifying using said purse address the corresponding purse, loading said desired value into the purse identified by said purse address and incrementally adjusting said Transaction Sequence Number on said storage medium by said predetermined increment in step (vii). 2. The method of claim 1 including the further steps of: (xv) configuring said reload device to monitor a predetermined number of retries of steps (ix) through (xii) for a given of said storage medium and, should said retries all fail to yield a determination of said conformance to enter a "disabled" indicator on said storage medium; and, (xvi) further configuring said reload device to check for a said disabled indicator and if detected, to refuse to load said purse and to display an error message to said holder upon receiving said storage medium. 3. The method of claim 2 wherein: said payment instructions received in step (iii) include payment issuer information; said payment instructions are confirmed with said issuer prior to continuing; should payment be refused by said payment issuer either refusing to continue and notifying said holder. 4. The method of claim 3 wherein said loader loads said value onto said purse according to said payment instructions in all cash increments requested by said holder that are confirmed by said payment issuer. 5. The method of claim 1 comprising operating said reload device only offline and without using cash. 6. The method of claim 1, the value supplier computer being at a location remote from said reload device, comprising running said encryption algorithm using said value supplier computer to generate said One Time Number.