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Publication numberCA2315656 C
Publication typeGrant
Application numberCA 2315656
PCT numberPCT/US1998/027073
Publication date29 Apr 2008
Filing date18 Dec 1998
Priority date19 Dec 1997
Also published asCA2315656A1, DE69826318D1, DE69826318T2, EP1040456A2, EP1040456B1, US6298336, WO1999033033A2, WO1999033033A3, WO1999033033A8
Publication numberCA 2315656, CA 2315656 C, CA 2315656C, CA-C-2315656, CA2315656 C, CA2315656C, PCT/1998/27073, PCT/US/1998/027073, PCT/US/1998/27073, PCT/US/98/027073, PCT/US/98/27073, PCT/US1998/027073, PCT/US1998/27073, PCT/US1998027073, PCT/US199827073, PCT/US98/027073, PCT/US98/27073, PCT/US98027073, PCT/US9827073
InventorsVirgil M. Davis, Janet R. Roth
ApplicantVisa International Service Association, Virgil M. Davis, Janet R. Roth
Export CitationBiBTeX, EndNote, RefMan
External Links: CIPO, Espacenet
Card activation at point of distribution
CA 2315656 C
Abstract
Secure activation of stored value cards (30) at a point of distribution uses a portable activation secure application module (ASAM) (208) within the card dispensing machine (24) to activate each card. Each card has a standard user mode and a security user mode. In the standard user mode the card is activated and ready for use. In the security user mode the card is not active and cannot be used to make a purchase. An issuer (20) supplies an issuer activation key (40) to a card supplier (22) who produces a security code (72) which is stored on a stored value card (30). Cards are supplied to the issuer (20) in security user mode, and stored in a dispensing machine (24).
The issuer activation key (40) is also relayed to the dispensing machine and stored on the ASAM (208). Upon purchase by a customer (26), the issuer activation key (40) is used within the machine (24) by the ASAM (208) to reproduce the security code (72) and to activate a card. An activation control counter (ACC) is stored within the ASAM and is decremented for every attempt at activation of a card. ASAMs are maintained in the field using a dial-up connection to a central computer (202) with a control secure application module (CSAM) (206), or using a field secure application module (FSAM) (502) that is created at a central location using the CSAM (206). Each FSAM is able to update a limited number of ASAMs. A hierarchy of keys (600) is used by the CSAM, the FSAMs and ASAMs to ensure security.
Description  available in
Claims(9)
1. A system for securely activating a stored value card at a point of distribution, said system comprising:
a card dispensing machine that holds stored value cards from an issuer;
a stored value card contained within said card dispensing machine, said stored value card including a stored value, and a card security code arranged to prevent access to said stored value on said card, said card security code being derived from an issuer key;
a secure application module that includes said issuer key, and an encryption module used to derive said card security code from said issuer key;

whereby said card dispensing machine is arranged to retrieve said card security code from said secure application module for presentation to said stored value card, said stored value card then being activated.
2. A system as recited in claim 1 wherein said stored value card further includes unique information to said stored value card, and wherein said encryption module of said secure application module is arranged to derive said card security code from said issuer key and said unique information.
3. A method for securely activating a stored value card contained within a card holding device, said method comprising:

determining whether said stored value card is in a security mode, said stored value card including a card security code;

deriving said card security code using a secure application module and an issuer key;

presenting said derived card security code to said stored value card;
activating said stored value card such that value on said stored value card is available for use; and dispensing said stored value card from said card holding device.
4. A method as recited in claim 3 further comprising:
reading unique information from said stored value card; and deriving said card security code using said unique information and said issuer key.
5. A method as recited in claim 3 further comprising:
determining whether an activation control counter of said secure application module has reached a limit; and wherein when it is determined that said activation control counter has reached said limit, aborting said method to activate said stored value card.
6. A system for securely activating stored value cards at a point of distribution, said system comprising:
an issuer of stored value cards, said issuer producing a secret activation key;
a card supplier that receives said secret activation key from said issuer, said card supplier deriving a plurality of card security codes based upon said secret activation key;
a batch of stored value cards produced by said card supplier, each stored value card of said batch having written upon it one of said card security codes derived from said secret activation key, each stored value card further being placed in a security mode such that a value of each card is unavailable for use; and a secure application module that includes said secret activation key from said issuer, said secure application module being arranged to derive said card security codes using said secret activation key; and a card dispensing machine that stores said batch of stored value cards and includes said secure application module, said card dispensing machine being arranged to query said secure application module for one of said card security codes and to present said card security code to one of said stored value cards, whereby said stored value card is taken out of said security mode and is available for use.
7. A system as recited in claim 6 wherein each stored value card further includes unique information, and wherein each card security code on each card is derived from said secret activation key and said unique information from each card.
8. A method for producing a stored value card that may be activated at a point of distribution, said method comprising:
producing a stored value card having a value stored thereon;
receiving an activation key from an issuing entity;
generating a security code for said stored value card using said received activation key;

installing said generated security code on said stored value card;
placing said stored value card into a security mode such that said value is unavailable for use; and delivering said stored value card to said issuing entity, whereby said stored value card is delivered in a secure fashion as said value is unavailable for use.
9. A method as recited in claim 8 wherein said element of generating further includes:

reading unique information from said stored value card; and deriving said security code using said unique information and said received activation key.
Classifications
International ClassificationG07F7/10, G07F7/02, G07F17/42
Cooperative ClassificationG06Q20/342, G07F17/42, G07F7/10, G06Q20/3558, G07F7/025, G07F7/0826, G06Q20/105, G07F7/1008, G06Q20/355, G06Q20/354, G06Q20/341
European ClassificationG06Q20/355, G06Q20/3558, G07F7/08A2D, G06Q20/341, G06Q20/354, G06Q20/342, G06Q20/105, G07F7/10, G07F7/02E, G07F17/42, G07F7/10D
Legal Events
DateCodeEventDescription
8 Dec 2003EEERExamination request
30 Jan 2016MKLALapsed
Effective date: 20151218