# US 11,443,298 B2 · System, method and apparatus for updating a stored value card

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- Number: US 11,443,298 B2
- Document ID: US11443298B2
- Status: Granted
- Kind: B2
- Application number: 15/512,040
- Filed: 2015-09-14
- Published: 2017-08-24
- Granted: 2022-09-13
- Earliest claimed: 2014-09-16
- Assignees: Einnovations Holdings Pte. Ltd.
- Applicants: Einnovations Holdings Pte. Ltd.
- Inventors: Rodrigo S. Salvador
- Web page: https://patentgrep.com/patent/US11443298B2

## CPC

- G06Q 20/342: {Cards defining paid or billed services or quantities}
- G06F 21/445: {by mutual authentication, e.g. between devices or programs}
- G06Q 20/023: {the neutral party being a clearing house}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/3829: {involving key management}
- G06Q 20/4097: {using mutual authentication between devices and transaction partners}
- H04L 63/0869: {for achieving mutual authentication (cryptographic mechanisms or cryptographic arrangements for mutual authentication H04L9/3273)}
- G06Q 2220/00: Business processing using cryptography
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A system for updating a stored value card comprising a transaction device for receiving a request to update the stored value card; a transaction manager arranged in data communication with the transaction device; the transaction manager operable to process the request to update the stored value card; a clearing house arranged to receive processed request from the transaction manager and create a pending transaction status; and a stored value updater network operable to receive the stored value card and thereafter retrieve an identifier of the stored value card; the stored value updater network further operable to retrieve the pending transaction status from the clearing house; wherein upon successful verification of the pending transaction status and the stored value card, the stored value updater network updates the stored value card.

## Claims

### Claim 1

A system for updating a stored value card comprising:
(a) a stored value updater (SVU) network including:
(i) an access network;
(ii) a plurality of SVU devices, each SVU device including a microcontroller board, a subscriber identity module (SIM) card, a contactless card reader, and a network module,
(1) wherein each SVU device is configured for encrypted data communication with the access network,
(2) wherein each SVU device is configured to receive a plurality of stored value update requests via contactless communication from a plurality of stored value cards (SVC);
(3) wherein each SVC is associated with an SVC identifier; and
(4) wherein each stored value update request includes one of the SVC identifiers and a requested reload amount;
(iii) an SVU manager comprising one or more servers and at least one first database,
(1) wherein the SVU manager is configured for data communication with the plurality of SVU devices through the access network,
(2) wherein the one or more servers are configured for data communication with the least one first database;
(3) wherein the at least one first database includes a plurality of first records;
(4) wherein each first record is associated with one of the SVU devices and each first record includes a status for the SVU device associated with the first record; and
(iv) a first hardware security module;
(b) a plurality of card issuer networks, each card issuer network including an issuer host and a stored value card account database; and
(c) a central clearing house network including a stored-value card reload database, a telco gateway, and a second hardware security module,
(i) wherein the central clearing house network is configured for data communication with the plurality of card issuer networks;
(ii) wherein the central clearing house network is configured for data communication with the SVU network via the telco gateway; and
(iii) wherein the central clearing house network is configured to:
(1) receive each stored value update request from the SVU manager of the SVU network via the telco gateway;
(2) direct each stored value update request to the issuer host of at least one card issuer network;
(3) create a pending transaction status and an approved reload amount for each stored value update request; and
(4) direct the pending transaction status to the SVU network for settlement of the stored value update request with the SVC associated with the stored value update request via the telco gateway.

### Claim 2 (depends on 1)

The system according to claim 1,
(a) wherein the first hardware security module is configured to, for each stored value update request, generate an encrypted authentication request based on at least the SVC identifier of the stored value update request, wherein the encrypted authentication request is encrypted based on at least a terminal session key; and
(b) wherein the second hardware security module is configured to, for each stored value update request, decrypt the encrypted authentication request based on the terminal session key and authenticate the encrypted authentication request using at least a card master key.