Patent ID: 6557759
Filing Date: 2003-05-06
Classification: G06Q,G07F

Abstract:
A method for a cardholder to request fulfillment of an obligation associated with a card and for an issuer to acknowledge this obligation, comprising issue of cards each having an identifier and with each an obligation of the issuer being associated, reading the identifier from the card by the cardholder, the cardholder's presenting to the issuer the identifier read from the card and directions specifying fulfillment of the obligation associated with the card, the issuer's verifying the validity of the card using the identifier and directions presented by the cardholder, and the issuer's acknowledgment of the obligation corresponding to the obligation associated with the card and the cardholder's directions, characterized in that one issues cards each additionally having the verifier corresponding to the identifier and concealed, at least partly, by a masking device, the issuer, when verifying the validity of the card using the identifier and directions presented by the cardholder, checks that the issuer has not presented previously a signed reply binding the identifier presented by the cardholder and directions different from the directions presented by the cardholder, forms a reply to the cardholder, which reply binds the identifier and directions presented, signs the formed reply, and presents the signed reply to the cardholder, the cardholder, having received the signed reply presented by the issuer, verifies the signature on the reply and checks that the signed reply binds the identifier and directions presented by the cardholder to the issuer, after which the cardholder reads the verifier from the card and presents the verifier to the issuer, who, having received the verifier, checks that the verifier presented by the cardholder corresponds to the identifier presented by the cardholder, thus completing the verification of validity of the card.