US4656342A — Method and apparatus for authorizing the holder o…

Claim 1

Independent Claim 195 words

A method of authorizing the holder of a portable card to gain access with the card to services provided by different authorizing entities, each authorizing entity providing a different service, and the card having data storing means, the method comprising preliminarily defining the different authorizing entities to which the holder of the card can gain access to obtain services; chaining the different authorizing entities in a predetermined order of dependency beginning with a first one of the authorizing entities such that each authorizing entity, except said first one, depends in said predetermined order from at least one other authorizing entity; identifying each authorizing entity by an authorizing datum of a predetermined format which includes at least a first datum identifying such authorizing entity and a second datum which identifies the authorizing entity from which such authorizing entity depends in the chained order of dependency; and verifying, upon the holder requesting access to services provided by one of said authorizing entities which were previously unauthorized to the holder, that the authorizing datum of the authorizing entity from which the one requested authorizing entity depends has previously been written in the data storing means of the card.

Claim 2

Independent Claim 195 words

A method of authorizing the holder of a portable card to gain access with the card to services provided by different authorizing entities, each authorizing entity providing a different service, and the card having data storing means, the method comprising preliminarily defining the different authorizing entities to which the holder of the card can gain access to obtain services; chaining the different authorizing entities in a predetermined order of dependency beginning with a first one of the authorizing entities such that each authorizing entity, except said first one, depends in said predetermined order from at least one other authorizing entity; identifying each authorizing entity by an authorizing datum of a predetermined format which includes at least a first datum identifying such authorizing entity and a second datum which identifies the authorizing entity from which such authorizing entity depends in the chained order of dependency; and verifying, upon the holder requesting access to services provided by one of said authorizing entities which were previously unauthorized to the holder, that the authorizing datum of the authorizing entity from which the one requested authorizing entity depends has previously been written in the data storing means of the card.

Claim 3

Dependent Claim 130 words

A method as defined by claim 1, wherein the card includes calculating means, and the method further comprises: connecting the card to an authorizing system of said one requested authorizing entity; writing by this system, at the order of the card holder, of the authorizing datum of said one requested authorizing entity in the data storing means of the card; calculating by the card and by the system of a result (R) proceeding from the execution by both of the same program, taking into account at least one secret datum (S) prerecorded in both the card and the system; comparing in the card the results (R) calculated by the card and by the system; and validating by the card of the authorizing datum if the comparison satisfies a predetermined condition.

Claim 4

Dependent Claim 61 words

A method as defined by claim 1, comprising writing the authorizing datum of the first authorizing entity in the data storing means upon the issuance of the card to its holder, and writing the authorizing datum of the other authorizing entities in the card upon the order of the holder of this card and under the sole control of the card.

Claim 5

Dependent Claim 43 words

A method as defined in claim 2, wherein said writing comprises writing the authorizing datum of the authorizing entities other than the first authorizing entity in the card at a distance and with the card coupled to the system by a communication line.

Claim 6

Dependent Claim 32 words

A method as defined by claim 2 comprising taking into account, in the calculation of the result (R), the authorizing datum of the authorizing entity from which the requested authorizing entity depends.

Claim 7

Dependent Claim 29 words

A method as defined by claim 2, comprising taking into account, in calculating the result (R), an address in the data storing means where the authorizing datum is written.

Claim 8

Dependent Claim 27 words

A method as defined by claim 6, comprising taking into account, in calculating the result (R), the above-mentioned address combined with a datum specific to the card.

Claim 9

Dependent Claim 36 words

A method as defined by claim 2, wherein said validating comprises validating the writing of an authorizing datum if identity exists between the results (R) calculated by the card and those calculated by the authorizing system.

Claim 10

Dependent Claim 101 words

A method as defined by claim 2 comprising: associating with each authorizing datum specific to one authorizing entity at least one opening word containing at least the first datum identifying the authorizing entity and another datum specific to the service provided by this authorizing entity; writing a new opening word upon the order of the card holder and via the authorizing system which is specific to the authorizing entity; determining whether the authorizing entity identified in the opening word has its authorizing datum already written in the card, and initiating, in response to said determining, the calculation of the results (R).

Claim 11

Dependent Claim 36 words

A method as defined in claim 1, comprising writing the authorizing datum of the authorizing entities other than the first authorizing entity in the card while the card is at the home of the card holder.

Claim 12

Dependent Claim 39 words

A method as defined in claim 3, comprising writing the authorizing data of the authorizing entities other than the first authorizing entity in the card at a distance with the card coupled to the system by a communication line.

Claim 13

Dependent Claim 49 words

A method as defined by claim 1, wherein the card includes calculating means, and the method comprises calculating a result (R) in the card while taking into account, in the calculation of the result (R), the authorizing datum of the authorizing entity from which the requested authorizing entity depends.

Claim 14

Dependent Claim 32 words

A method as defined by claim 3, comprising taking into account, in the calculation of the result (R), the authorizing datum of the authorizing entity from which the requested authorizing entity depends.

Claim 15

Dependent Claim 29 words

A method as defined by claim 3, comprising taking into account, in calculating the result (R), an address in the data storing means where the authorizing datum is written.

Claim 16

Independent Claim 253 words

A system for authorizing the holder of a portable card access with the card to services provided by different authorizing entities, the different authorizing entities being chained together in a predetermined order of dependency beginning with a first one of the authorizing entities such that to gain access to the services of any particular authorizing entity it is necessary to have access to the services of the authorizing entity from which said particular authorizing entity depends in said predetermined order, the card including first memory means in which are recorded a secret code (S), a program (P) defining a predetermined algorithm, and authorizing data identifying the authorizing entities to which the holder of the card has access to obtain services provided by such authorizing entities; an authorizing system specific to a desired one of said authorizing entities to which the card holder desires access, the authorizing system including second memory means in which are recorded said secret code and said program; means for connecting the card to the authorizing system; means for calculating in both the card and the authorizing system a result (R) by execution of said program and taking into account said secret code and said authorizing data; comparison means in the card for comparing the results calculated by the card and by the authorizing system; and means responsive to the comparing means for writing in the first memory means an authorizing datum which authorizes access to the requested authorizing entity upon the comparison of the results satisfying a predetermined condition.

Claim 17

Independent Claim 253 words

A system for authorizing the holder of a portable card access with the card to services provided by different authorizing entities, the different authorizing entities being chained together in a predetermined order of dependency beginning with a first one of the authorizing entities such that to gain access to the services of any particular authorizing entity it is necessary to have access to the services of the authorizing entity from which said particular authorizing entity depends in said predetermined order, the card including first memory means in which are recorded a secret code (S), a program (P) defining a predetermined algorithm, and authorizing data identifying the authorizing entities to which the holder of the card has access to obtain services provided by such authorizing entities; an authorizing system specific to a desired one of said authorizing entities to which the card holder desires access, the authorizing system including second memory means in which are recorded said secret code and said program; means for connecting the card to the authorizing system; means for calculating in both the card and the authorizing system a result (R) by execution of said program and taking into account said secret code and said authorizing data; comparison means in the card for comparing the results calculated by the card and by the authorizing system; and means responsive to the comparing means for writing in the first memory means an authorizing datum which authorizes access to the requested authorizing entity upon the comparison of the results satisfying a predetermined condition.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	1990-04-06	1990-10-06	1991-04-07	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	1994-04-06	1994-10-06	1995-04-07	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	1998-04-06	1998-10-06	1999-04-07	$7700.00	Window Closed / Lapsed

Method and apparatus for authorizing the holder of a portable object such as a card to gain access to at least one service provided by at least one authorizing entity

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