Method and system for managing token image replacement

US7121456B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Paul Spaeth · Rue de l'Église, US
• Douglas Jones · San Francisco, US
• Bryan Shimko · Scottsdale, US
• James G. Gordon · Parramatta, AU
• Kim Madore · Markham, CA
• Marc Black · Midland, US
• James Mazour · St. Louis Park, US
• Michael Salters · Plymouth, US

Key dates

• Filing date: Sep 12, 2003
• Grant date: Oct 17, 2006
• Expiry date: Mar 27, 2024

Classification

• Technology area (CPC Y): Emerging Cross-Sectional Technologies
• CPC primary: Y10S707/99953
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.