US6588673B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and system providing in-line pre-production data preparation and personalization solutions for smart cards
Assignee: Mist Inc Canada
•
Filing: 2000-02-08
•
Granted: 2003-07-08
•
Expires: 2020-02-08
Abstract
Abstract An integrated card personalization system is provided using an “in-line” approach for seamless card personalization directly from cardholder data files to avoid duplication of hardware and eliminate the need for an overnight batch process to prepare cardholder data for card personalization. Such integrated card personalization system allows for the personalization of transaction cards such as smart cards on more flexible, low cost, low maintenance and smaller personalization systems so as to save the personalization bureau time and money, particularly on small volume production runs, and eliminate the need to hire and maintain internal software development staff with high attendant cost.
Inventors
- 👤 Victor Chan
- 👤 Francis Ho
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 08:56
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06K; G06K19/00; G06K19/06; G06K19/067; G06K19/07; G06K19/077; G06K19/07716; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/355; G06Q20/3552
Claims Analysis
Total Claims: 34
Claim 1
Independent Claim
69 words
A host card personalization system, comprising: an operating system; and a smart card issuance application module executed by said operating system to enable the host card personalization system to receive a data file of cardholder data, to perform a pre-production data preparation process of said cardholder data for generating personalization data, and to perform card personalization of a transaction card using said personalization data for issuing a personalized card.
Claim 2
Dependent Claim
69 words
A host card personalization system, comprising: an operating system; and a smart card issuance application module executed by said operating system to enable the host card personalization system to receive a data file of cardholder data, to perform a pre-production data preparation process of said cardholder data for generating personalization data, and to perform card personalization of a transaction card using said personalization data for issuing a personalized card.
Claim 3
Dependent Claim
30 words
The host card personalization system as claimed in claim 1 , further comprising a security card installed therein for providing cryptographic functions needed to implement data security on the system.
Claim 4
Dependent Claim
57 words
The host card personalization system as claimed in claim 1 , wherein said pre-production data preparation process is performed by: generating application security keys; generating Issuer Certificates using secret and public key pairs via a remote Certification Authority; and preparing said data file of cardholder data as said personalization data in a format ready for card personalization.
Claim 5
Dependent Claim
54 words
The host card personalization system as claimed in claim 1 , further comprising a personalization equipment arranged to perform said card personalization by: printing or embossing data on a surface of the transaction card; encoding a magnetic strip on the transaction card; and programming cardholder data into a micro-controller chip of the transaction card.
Claim 6
Dependent Claim
47 words
The host card personalization system as claimed in claim 1 , wherein said data file of cardholder data is obtained from a card issuer via an on-line connection such as a general switched telephone network, a packet-switched network, a dedicated line, or a cable/satellite a television signal.
Claim 7
Dependent Claim
39 words
The host card personalization system as claimed in claim 1 , wherein said data file of cardholder data is obtained from a card issuer via computer media, such as magnetic tape, floppy disk, or compact disk read-only-memory (CD ROM).
Claim 8
Dependent Claim
32 words
The host card personalization system as claimed in claim 1 , wherein said cardholder data contains information about each individual cardholder, such as name, account number, card expiration date, and applicable services.
Claim 9
Dependent Claim
45 words
The host card personalization system as claimed in claim 1 , wherein said smart card issuance application module contains smart card issuance application programs which are dynamic link libraries (DLLs) including executable control files compiled to perform in-line pre-production data preparation (P3) and card personalization.
Claim 10
Dependent Claim
44 words
The host card personalization system as claimed in claim 1 , wherein said smart card issuance application module includes a smart card application programming interface (API) which provide API commands to a personalization equipment for card personalization, via a smart card coupler installed therein.
Claim 11
Dependent Claim
29 words
The host card personalization system as claimed in claim 9 , wherein said personalization equipment corresponds to any system which performs printing and embossing functions on the transaction card.
Claim 12
Dependent Claim
37 words
The host card personalization system as claimed in claim 9 , wherein said personalization equipment corresponds to any one add-on smart card interface devices installed on existing non-smart card personalization equipments for performing printing and embossing functions.
Claim 13
Dependent Claim
48 words
The host card personalization system as claimed in claim 9 , wherein said personalization equipment corresponds to one of devices such as large volume card printer/embossers, small volume card printer/embossers, automatic teller machines (ATMs), point of sale terminals, unattended kiosks, personal computers, network computers, and on-line telecommunication devices.
Claim 14
Independent Claim
68 words
A method for providing in-line pre-production data preparation and personalization in a card production system comprising: obtaining a data file of cardholder data from a card issuer; performing a pre-production data preparation process of said cardholder data to obtain personalization data; and performing a card personalization process of a transaction card using said personalization data obtained directly from the pre-production data preparation process to issue a personalized card.
Claim 15
Independent Claim
68 words
A method for providing in-line pre-production data preparation and personalization in a card production system comprising: obtaining a data file of cardholder data from a card issuer; performing a pre-production data preparation process of said cardholder data to obtain personalization data; and performing a card personalization process of a transaction card using said personalization data obtained directly from the pre-production data preparation process to issue a personalized card.
Claim 16
Dependent Claim
52 words
The method as claimed in claim 13 , wherein said pre-production data preparation process comprises: generating application security keys; generating Issuer Certificates using secret and public key pairs via a remote Certification Authority; and preparing said data file of cardholder data as said personalization data in a format ready for card personalization.
Claim 17
Dependent Claim
45 words
The method as claimed in claim 13 , wherein said card personalization process comprises: printing or embossing data on a surface of the transaction card; encoding a magnetic strip on the transaction card; and programming cardholder data into a micro-controller chip of the transaction card.
Claim 18
Dependent Claim
43 words
The method as claimed in claim 13 , wherein said data file of cardholder data is obtained from a card issuer via an on-line connection such as a general switched telephone network, a packet-switched network, a dedicated line, or a cable/satellite television signal.
Claim 19
Dependent Claim
36 words
The method as claimed in claim 13 , wherein said data file of cardholder data is obtained from a card issuer via computer media, such as magnetic tape, floppy disk, or compact disk read-only-memory (CD ROM).
Claim 20
Dependent Claim
29 words
The method as claimed in claim 13 , wherein said cardholder data contains information about each individual cardholder, such as name, account number, card expiration date, and applicable services.
Claim 21
Dependent Claim
72 words
A computer readable medium having stored thereon a plurality of instructions which, when executed by a processor of a computer system, cause the processor to perform the steps of: obtaining a data file of cardholder data; performing a pre-production data preparation process of said cardholder data to produce a personalization file of said cardholder data; and enabling card personalization of a transaction card using said personalization file to issue a personalized card.
Claim 22
Dependent Claim
72 words
A computer readable medium having stored thereon a plurality of instructions which, when executed by a processor of a computer system, cause the processor to perform the steps of: obtaining a data file of cardholder data; performing a pre-production data preparation process of said cardholder data to produce a personalization file of said cardholder data; and enabling card personalization of a transaction card using said personalization file to issue a personalized card.
Claim 23
Dependent Claim
54 words
The computer readable medium as claimed in claim 19 , wherein said pre-production data preparation process comprises: generating application security keys; generating Issuer Certificates using secret and public key pairs via a remote Certification Authority; and preparing said data file of cardholder data as a personalization file in a format ready for card personalization.
Claim 24
Dependent Claim
46 words
The computer readable medium as claimed in claim 19 , wherein said card personalization comprises: printing or embossing data on a surface of the transaction card; encoding a magnetic strip on the transaction card; and programming cardholder data into a micro-controller chip of the transaction card.
Claim 25
Dependent Claim
45 words
The computer readable medium as claimed in claim 19 , wherein said data file of cardholder data is obtained from a card issuer via an on-line connection such as a general switched telephone network, a packet-switched network, a dedicated line, or a cable/satellite television signal.
Claim 26
Dependent Claim
38 words
The computer readable medium as claimed in claim 19 , wherein said data file of cardholder data is obtained from a card issuer via computer media, such as magnetic tape, floppy disk, or compact disk read-only-memory (CD ROM).
Claim 27
Dependent Claim
31 words
The computer readable medium as claimed in claim 19 , wherein said cardholder data contains information about each individual cardholder, such as name, account number, card expiration date, and applicable services.
Claim 28
Dependent Claim
75 words
A computer system, comprising: a host processor; and a computer readable medium having stored thereon a plurality of instructions which, when executed by the host processor, cause the host processor to: obtain a data file of cardholder data; prepare the data file of said cardholder data in accordance with a pre-production data preparation process to produce personalization data; and prepare card personalization of a transaction card using said personalization data to produce a personalized card.
Claim 29
Dependent Claim
75 words
A computer system, comprising: a host processor; and a computer readable medium having stored thereon a plurality of instructions which, when executed by the host processor, cause the host processor to: obtain a data file of cardholder data; prepare the data file of said cardholder data in accordance with a pre-production data preparation process to produce personalization data; and prepare card personalization of a transaction card using said personalization data to produce a personalized card.
Claim 30
Dependent Claim
52 words
The computer system as claimed in claim 25 , wherein the pre-production data preparation process comprises: generating application security keys; generating Issuer Certificates using secret and public key pairs via a remote Certification Authority; and preparing said data file of cardholder data as personalization data in a format ready for card personalization.
Claim 31
Dependent Claim
49 words
The computer system as claimed in claim 25 , wherein the host processor performs the card personalization by: printing or embossing data on the surface of the transaction card; encoding a magnetic strip on the transaction card; and programming cardholder data into a micro-controller chip of the transaction card.
Claim 32
Dependent Claim
44 words
The computer system as claimed in claim 25 , wherein said data file of cardholder data is obtained from a card issuer via an on-line connection such as a general switched telephone network, a packet-switched network, a dedicated line, or a cable/satellite television signal.
Claim 33
Dependent Claim
27 words
The computer system as claimed in claim 25 , wherein said data file of cardholder data is obtained from a card issuer via the computer readable medium.
Claim 34
Dependent Claim
30 words
The computer system as claimed in claim 25 , wherein said cardholder data contains information about each individual cardholder, such as name, account number, card expiration date, and applicable services.
References Cited (Backward Citations)
US4969760A
Cited
US5503514A
Cited
US5266781A
Cited
US5378884A
Cited
US5460089A
Cited
US5684742A
Cited
US5949046A
Cited
US5920055A
Cited
US5837991A
Cited
US6014748A
Cited
US5889941A
Cited
US6202155B1
Cited
JP2000099649A
Cited
US6018717A
Cited
WO1999019846A2
Cited
WO1999057675A1
Cited
US6199762B1
Cited
WO1999059109A1
Cited
US6196459B1
Cited
WO2000007154A1
Cited
US6402028B1
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2006-07-07 | 2007-01-06 | 2007-07-08 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2010-07-07 | 2011-01-06 | 2011-07-08 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2014-07-07 | 2015-01-06 | 2015-07-08 | $7700.00 | Window Closed / Lapsed |