System for controlling user access to a service

Patent metadata

Field	Value
Publication number	US-10552647-B2
Application number	US-201615391333-A
Country	US
Kind code	B2
Filing date	Dec 27, 2016
Priority date	Oct 31, 2008
Publication date	Feb 4, 2020
Grant date	Feb 4, 2020

Abstract

A system for controlling user access to a service includes a read device that reads a payment card of a user, and a first control block coupled an entry gate determines whether online payment authorization should be requested for the payment card. A first memory stores a hot list indicating payment cards for which the first control block denies user access to the service. If the online payment authorization is denied for the payment card, the first control block adds the payment card to the hot list. A further read device is configured to read the payment card, and a second control block coupled to the further read device controls a second gate after determining whether the payment card is on the hot list stored in a second memory coupled to the second control block, the hot list being updated with modifications via a network.

First claim

What is claimed is:

1. A system for controlling user access to a service comprising:
a read device configured to read a payment card of a user;
a remote server;
a first control block coupled to the read device and an entry gate, the first control block being configured to
request an online authorization cryptogram from the payment card prior to allowing the user access to the service, and after allowing the user access to the service, request, by transmitting the online authorization cryptogram to the remote server, an online payment authorization from the remote server based on the online authorization cryptogram, and
control the entry gate to allow the user access to the service prior to completing the online payment authorization for the payment card;

a first memory coupled to the first control block and comprising a memory portion storing a hot list indicating payment cards for which the first control block denies user access to the service, wherein the first control block is configured to add the payment card to the hot list in response to a determination that the online payment authorization is denied for that payment card;
a further read device configured to read the payment card;
a second control block coupled to the further read device and configured to control a second gate; and
a second memory coupled to the second control block and comprising a memory portion storing the hot list, wherein
the hot list is updated with modifications via a network, and
the second control block, after the further read device reads the payment card, controls the second gate after determining whether the payment card is on the hot list stored in the memory portion of the second memory.

2. The system of claim 1 , wherein the second gate is another entry gate and the second control block controls the second gate to deny the user access to the service after determining that the payment card is on the hot list.

3. The system of claim 1 , wherein the second gate is an exit gate and the second control block controls the second gate to provide a message to the user after determining that the payment card is on the hot list.

4. The system of claim 3 , wherein the second control block controls the second gate to permit the user to exit the system.

5. The system of claim 1 , wherein the first memory comprises a further memory portion storing a white list indicating payment cards for which the first control block provides user access to the service without online payment authorization, and wherein:
the white list comprises a list of identifiers each associated with payment cards;
the read device is configured to read an identifier of the payment card; and
the first control block is configured to determine that the online payment authorization should be requested if the read identifier of the payment card is not on the white list.

6. The system of claim 1 , wherein the first control block is configured to request, after allowing the user access to the service, the online payment authorization for a payment value greater than a minimum charge associated with use of the service.

7. The system of claim 1 , wherein the read device is configured to read the payment card by retrieving data from an RFID (radio frequency identification) transponder of the payment card.

8. A method of controlling user access to a service comprising:
reading by a read device electronic information from a payment card of a user;
requesting by a first control block based on the electronic information an offline authorization cryptogram from the payment card prior to allowing the user access to the service, and after allowing the user access to the service, requesting an offline payment authorization based on the offline authorization cryptogram, wherein the first control block is configured to control an entry gate to allow the user access to the service prior to completing the offline payment authorization for the payment card;
adding the payment card to a hot list in response to a determination that the offline payment authorization is denied for that payment card, the hot list indicating payment cards for which user access to the service is denied, wherein the hot list is stored in a memory portion of a first memory coupled to the first control block;
updating the hot list with modifications via a network;
storing the modifications in a memory portion of a second memory coupled to a second control block configured to control a second gate comprising a further read device for reading the payment card;
reading, by the second control block via the further read device, the payment card;
determining, by the second control block, whether the payment card is on the hot list stored in the second memory; and
controlling, by the second control block, the second gate after determining whether the payment card is on the hot list.

9. The method of claim 8 , wherein the second gate is another entry gate and further comprising controlling, by the second control block, the second gate to deny the user access to the service after determining that the payment card is on the hot list.

10. The method of claim 8 , wherein the second gate is an exit gate and further comprising controlling, by the second control block, the second gate to provide a message to the user after determining that the payment card is on the hot list.

11. The method of claim 10 , further comprising controlling, by the second control block, the second gate to permit the user to exit.

12. The method of claim 8 , further comprising requesting the offline payment authorization, and determining that an online payment authorization should be requested in response to a determination that the offline payment authorization is denied.

13. The method of claim 8 , further comprising, after allowing the user access to the service, requesting by the first control block the offline payment authorization for a payment value greater than a minimum charge associated with use of the service.

14. The method of claim 8 , further comprising:
configuring the read device to read the payment card by retrieving data from an RFID (radio frequency identification) transponder of the payment card.

15. A non-transitory computer readable medium having stored thereon machine readable instructions to control user access to a service, the machine readable instructions when executed cause a computer system to:
read by a read device electronic information from a payment card of a user;
request by a first control block based on the electronic information an offline authorization cryptogram from the payment card for performing an offline payment authorization prior to allowing the user access to the service, wherein the offline authorization cryptogram is provided based on a determination of whether a cumulative offline transaction amount count limit of the payment card is below a predetermined threshold, wherein the first control block is configured to control an entry gate to allow the user access to the service prior to completing the offline payment authorization for the payment card;
add the payment card to a hot list if the offline payment authorization is denied for that payment card, the hot list indicating payment cards for which user access to the service is denied, wherein the hot list is stored in a memory portion of a first memory coupled to the first control block;
update the hot list with modifications via a network;
store the modifications in a memory portion of a second memory coupled to a second control block configured to control a second gate comprising a further read device for reading the payment card

Assignees

• Accenture Global Services Ltd

Inventors

• Hasson Robert
• El Mokhtari Najib
• Hurley Kerry
• Kitson Charles
• Walker Chris

Classifications

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G07B15/063

  using wireless information transmission between the vehicle and a fixed station (identification of vehicles G08G) · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G07C9/27

  with central registration · CPC title