EP0949595A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Method and system for managing applications for a multi-function smartcard
Assignee: Citicorp Development Center Inc
•
Filing: 1999-03-26
•
Granted: —
•
Expires: 2019-03-26
Abstract
Abstract A method and system for managing applications for a multi-function smartcard makes use of a resident master application and one or more monitor applications installed on the smartcard microcomputer to authorize downloading of new applications to the smartcard and to manage applications on the smartcard. New applications are installed on the smartcard using a security mechanism of the monitor application. When a new application is installed, it is provided, for example, with an operation key, cardholder information, and a digital certificate. The new application is registered in a software registry of the smartcard according to an object-oriented classifications, a copy of the registry is stored in an electronic deposit box, and the electronic deposit box is updated with operational data for the new application. The new application selectively shares one or more objects with objects of other applications on the smartcard on a restricted or unrestricted basis.
Inventors
- 👤 Jack C. Pan
- 👤 Marc A. Guzman
- 👤 Nik Boyd
- 👤 Yosif Smushkovich
- 👤 Fred Pinn
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-10-25 08:46
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/355; G06Q20/3552; G06Q20/357; G06Q20/3576
Claims Analysis
Total Claims: 55
Claim 1
Independent Claim
61 words
A method of managing addition of at least one new application to a
multi-function smartcard for a cardholder, comprising: installing a monitor application for the new application on a
microcomputer of the smartcard; authorizing download of the new application by the monitor
application and by a master application resident on the smartcard; and downloading the new application to the smartcard microcomputer.
Claim 2
Dependent Claim
19 words
The method of claim 1, wherein installing the monitor application
further comprises downloading the monitor application from a server.
Claim 3
Dependent Claim
14 words
The method of claim 2, wherein the server further comprises an
electronic customization depot.
Claim 4
Dependent Claim
26 words
The method of claim 3, wherein the electronic customization depot
further comprises functionalities of at least one of an applet server and a monitor
application server.
Claim 5
Dependent Claim
19 words
The method of claim 1, wherein installing the monitor application
further comprises downloading the monitor application at a terminal.
Claim 6
Dependent Claim
67 words
The method of claim 5, wherein the terminal further comprises a
smartcard access device selected from a group consisting of an automated teller
machine, a merchant terminal, a personal computer, a personal digital assistant, a
TV set-top box, land phone, a cell phone, a digital phone, a cable TV box, a
satellite TV box, a contact reader, a contactless reader, and a combination contact
and contactless reader.
Claim 7
Dependent Claim
64 words
The method of claim 6, wherein downloading the new application
further comprises downloading an application consisting of at least a portion of a
plurality of functionalities for an electronic wallet from a server connected to the
terminal, while allowing other portions of the functionalities for the electronic
wallet to remain on at least one of the terminal and the server in a migratory
fashion.
Claim 8
Dependent Claim
19 words
The method of claim 1, wherein installing the monitor application
further comprises downloading the monitor application over a network.
Claim 9
Dependent Claim
21 words
The method of claim 8, wherein the network further comprises at
least one of a public network and a proprietary network.
Claim 10
Dependent Claim
15 words
The method of claim 1, wherein authorizing the download further
comprises initializing the monitor application.
Claim 11
Dependent Claim
23 words
The method of claim 10, wherein initializing the monitor
application further comprises initializing the monitor application with a key
provided by a server.
Claim 12
Dependent Claim
23 words
The method of claim 1, wherein authorizing the download further
comprises registering an application identifier for the new application with the
monitor application.
Claim 13
Dependent Claim
17 words
The method of claim 1, wherein downloading the new application
further comprises verifying identification of the cardholder.
Claim 14
Dependent Claim
21 words
The method of claim 13, wherein verifying the identification
further comprises verifying the identification by an applications on the smartcard
microcomputer.
Claim 15
Dependent Claim
20 words
The method of claim 14, wherein verifying the identification
further comprises verifying the identification with a PIN of the cardholder.
Claim 16
Dependent Claim
20 words
The method of claim 14, wherein verifying the identification
further comprises verifying the identification with biometric data of the
cardholder.
Claim 17
Dependent Claim
22 words
The method of claim 16, wherein verifying with the identification
further comprises verifying the biometric data with a scanner at a terminal.
Claim 18
Dependent Claim
24 words
The method of claim 17, wherein verifying the biometric data
further comprises comparing the biometric data with a reference template on the
smartcard microcomputer.
Claim 19
Dependent Claim
16 words
The method of claim 18, wherein the biometric data further
comprises fingerprint data for the cardholder.
Claim 20
Dependent Claim
15 words
The method of claim 1, wherein downloading the new application
further comprises authenticating the smartcard.
Claim 21
Dependent Claim
17 words
The method of claim 20, wherein authenticating the smartcard
further comprises authenticating the smartcard by a server.
Claim 22
Dependent Claim
21 words
The method of claim 1, wherein downloading the new application
further comprises offering a selection of service options to the cardholder.
Claim 23
Dependent Claim
24 words
The method of claim 22, wherein downloading the new applicalion
further comprises selecting a service option to download a new application by the
cardholder.
Claim 24
Dependent Claim
22 words
The method of claim 1, wherein downloading the new application
further comprises offering a list of qualified new applications to the cardholder.
Claim 25
Dependent Claim
23 words
The method of claim 24, wherein the list of qualified new
applications further comprises a plurality of new applications according to pre-defined
parameters.
Claim 26
Dependent Claim
40 words
The method of claim 25, wherein the pre-defined parameters
comprise at least one of a new application supported by business based on a
relationship with the cardholder and a new application that fits in space available
on the smartcard microcomputer.
Claim 27
Dependent Claim
37 words
The method of claim 26, wherein the pre-defined parameters
further comprises the new application which, together with any other applications
on which the applicalion depends, fits as a dependency cluster in space available
on the smartcard microcomputer.
Claim 28
Dependent Claim
24 words
The method of claim 24, wherein downloading the new application
further comprises selecting the new application from the list of applications by the
cardholder.
Claim 29
Dependent Claim
19 words
The method of claim 1, wherein downloading the new application
further comprises downloading the new application from a server.
Claim 30
Dependent Claim
14 words
The method of claim 29, wherein the server further comprises an
electronic customization depot.
Claim 31
Dependent Claim
26 words
The method of claim 30, wherein the electronic customization
depot further comprises functionalities of at least one of an applet server and a
monitor application server.
Claim 32
Dependent Claim
19 words
The method of claim 1, wherein downloading the new application
further comprises downloading the new application at a terminal.
Claim 33
Dependent Claim
68 words
The method of claim 32, wherein the terminal further comprises a
smartcard access device selected from a group consisting of an automated teller
machine, a merchant terminal, a personal computer, a personal digital assistant, a
TV set-top box, a land phone, a cell phone, a digital phone, a cable TV box, a
satellite TV box, a contact reader, a contactless reader, and a combination contact
and contactless reader.
Claim 34
Dependent Claim
19 words
The method of claim 1, wherein downloading the new application
further comprises downloading the new application over a network.
Claim 35
Dependent Claim
21 words
The method of claim 34, wherein the network further comprises at
least one of a public network and a proprietary network.
Claim 36
Dependent Claim
20 words
The method of claim 1, wherein downloading the new application
further comprises installing the new application on the smartcard microcomputer.
Claim 37
Dependent Claim
24 words
The method of claim 36, wherein installing the new application
further comprises installing the new applicalion using a security mechanism of
the monitor application.
Claim 38
Dependent Claim
20 words
The method of claim 36, wherein installing the new application
further comprises supplying the new application with an operation key.
Claim 39
Dependent Claim
19 words
The method of claim 36, wherein installing the new application
further comprises supplying the new application with cardholder information.
Claim 40
Dependent Claim
19 words
The method of claim 36, wherein installing the new application
further comprises supplying the new application with digital certificate.
Claim 41
Dependent Claim
23 words
The method of claim 36, wherein installing the new application
further comprises registering the new application in a software registry of the
smartcard.
Claim 42
Dependent Claim
25 words
The method of claim 41, wherein registering the new application
further comprises registering the new application according to an object-oriented
classification of the software registry.
Claim 43
Dependent Claim
25 words
The method of claim 41, wherein registering the new application
further comprises furnishing a copy of the smartcard software registry to an
electronic deposit box.
Claim 44
Dependent Claim
26 words
The method of claim 43, wherein furnishing a copy further
comprises updating the electronic deposit box with a copy of operational data for
the new application.
Claim 45
Dependent Claim
33 words
The method of claim 36, wherein installing the new application
further comprises selectively sharing at least one object of the new application
with at least one object of another application on the smartcard.
Claim 46
Dependent Claim
30 words
The method of claim 45, wherein selectively sharing further
comprises at least one of restricted sharing of the object by the new application
and unrestricted sharing by the new application.
Claim 47
Independent Claim
77 words
A system for securely adding at least one new application to a
multi-function smartcard for a cardholder, comprising: means for installing a monitor application for the new application
on a microcomputer of the smartcard; means for associated with the installing means for authorizing
download of the new application by the monitor application and by a master
application resident on the smartcard; and means associated with the authorizing means for downloading the
new application to the smartcard microcomputer.
Claim 48
Dependent Claim
20 words
The system of claim 47, wherein the installing means further
comprises means for downloading the monitor application from a server.
Claim 49
Dependent Claim
14 words
The system of claim 48, wherein the server further comprises an
electronic customization depot.
Claim 50
Dependent Claim
26 words
The system of claim 49, wherein the electronic customization depot
further comprises functionalities of at least one of an applet server and a monitor
application server.
Claim 51
Dependent Claim
23 words
The system of claim 48, the means for downloading the monitor
application further comprises a terminal communicating with the server over a
network.
Claim 52
Dependent Claim
17 words
The system of claim 47, wherein the means for downloading the
new application further comprises a server.
Claim 53
Dependent Claim
15 words
The system of claim 52, wherein the server further comprises a an
electronic customization depot.
Claim 54
Dependent Claim
26 words
The system of claim 53, wherein the electronic customization depot
further comprises functionalities of at least one of an applet server and a monitor
application server.
Claim 55
Dependent Claim
24 words
The system of claim 52, wherein the means for downloading the
new application further comprises a terminal communicating with the server over
a network
References Cited (Backward Citations)
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