US 7,762,457 B2Granted

System and method for dynamic fob synchronization and personalization

AssigneeAmerican Express Travel Related Services Company, Inc.

InventorsDavid S. Bonalle, Carl Larkin, Peter D. Saunders

Life of this patent

Estimating the term…

Loading patent…

Abstract

A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. An exemplary dynamic synchronization system (DSS) may comprise various fob POS devices, a secure support client server, a fob object database update system (FODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more fob POS devices configured to interoperably accept and interface with fobs. In an exemplary embodiment, DSS may comprise a personalization system and an account maintenance system configured to communicate with FODUS. Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.

Claims4

Dependent claims

A system for facilitating synchronizing transponder information associated with a transponder, said system comprising:

a first enterprise data collection unit of a first enterprise that stores update transactions and pending transactions associated with said transponder and said first enterprise;
a second enterprise data collection unit of a second enterprise that stores update transactions and pending transactions associated with said transponder and said second enterprise;
at least one point-of-sale device including a transponder-reader communicatively coupled with said transponder and said first and second enterprise data collection units;
an object database system that stores said transponder information based, at least in part, on at least one of said update transactions and said pending transactions, wherein said transponder information includes a data object having at least one application, and wherein said object database system is communicatively coupled to said first and second enterprise data collection units;
and
an update logic system that routes said transponder information from said first and second enterprise data collection units to at least one of said point-of-sale device in order to effect synchronization of said transponder information associated with said transponder and said object database system.

3 more elements

Dependencies are inferred from the claim text.

Facts

Application: 10/710,570Filed 21 Jul 2004 · continuation
Priority: 10 Jul 2001
Published: US 2005/0033689 A110 Feb 2005
Granted: 27 Jul 2010
Term ends: Not estimatedThe source records don’t support an estimate.

Classification25 codes

G06Q 20/3829
Insuring higher security of transaction: involving key management
G06Q 20/00
Payment architectures, schemes or protocols
G06Q 20/04
Payment architectures, schemes or protocols: payment circuits
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments

Family

Application60/304,216Us provisional application · filed 10 Jul 2001
Application10/192,488Parent of this continuation · filed 9 Jul 2002
Application60/396,577Us provisional application · filed 16 Jul 2002
Application10/318,432Parent of this continuation · filed 13 Dec 2002
Application10/318,480Parent of this continuation · filed 13 Dec 2002
Application10/340,352Parent of this continuation · filed 10 Jan 2003
US 2005/0033689 A1Pre-grant publication · published 10 Feb 2005
US 7,239,226 B2Parent of this continuation
US 7,249,112 B2Parent of this continuation
US 2003/0167207 A1Published application
US 2004/0010449 A1Published application
US 2004/0049451 A1Published application
US 2005/0165695 A1Published application
US 7,889,052 B2Related patent
US 9,454,752 B2Related patent
US 7,762,457 B2This patent

From the US filing history. Foreign family members aren’t listed.