System for controlling user access to a service

Patent metadata

Field	Value
Publication number	US-9607183-B2
Application number	US-201213692630-A
Country	US
Kind code	B2
Filing date	Dec 3, 2012
Priority date	Oct 31, 2008
Publication date	Mar 28, 2017
Grant date	Mar 28, 2017

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 first control block coupled to the read device and an entry gate, the first control block being configured to
determine whether online payment authorization should be requested for said payment card, wherein in response to a determination that the online payment authorization should be requested, the first control block is further configured to request an offline payment authorization, and determine that the online payment authorization should be requested in response to denial of the offline payment authorization, and wherein for the online payment authorization the first control block is further configured to make an online payment authorization request and to control the entry gate to allow said user access to the service prior to completing said online payment authorization for said payment card;

a first memory coupled to said 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 said first control block is configured to add said payment card to said 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 said 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 wherein 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 memory.

2. The system of claim 1 , wherein said second gate is another entry gate and said 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 said second gate is an exit gate and said 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 said second control block controls the second gate to permit the user to exit the system.

5. The system of claim 1 , wherein said 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:
said white list comprises a list of identifiers each associated with payment cards;
said read device is configured to read an identifier of said payment card; and
said first control block is configured to determine that the online payment authorization should be requested if said read identifier of said payment card is not on said white list.

6. The system of claim 5 , wherein said first control block is configured to determine that the online payment authorization should be requested in response to a determination that said payment card is not on said white list and in response to the determination that the request for offline payment authorization of said payment card is denied.

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

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;
determining by a first control block based on said electronic information whether or not online payment authorization should be requested for said payment card;
in response to a determination that online payment authorization should be requested for said payment card, determining whether said payment card is not on a white list and whether a request for offline payment authorization for said payment card is denied, and in response to a determination that said payment card is not on the white list and the request for offline payment authorization for said payment card is denied, making an online payment authorization request and controlling an entry gate by said first control block to allow the user access to the service prior to completing said online payment authorization for said payment card, wherein the white list indicates payment cards for which the first control block provides user access to the service without online payment authorization;
adding said payment card to a hot list in response to a determination that the online payment authorization is denied for that payment card, the hot list indicating payment cards for which user access to the service is denied, wherein said hot list is stored in a memory portion of a first memory coupled to said first control block;
updating said hot list with modifications via a network;
storing said 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 said 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 said second gate is another entry gate and further comprising controlling, by said 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 said second gate is an exit gate and further comprising controlling, by said 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 said 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 said online payment authorization should be requested min response to the determination that said offline payment authorization is denied.

13. The method of claim 8 , further comprising, prior to allowing the user access to the service, requesting an online authorization cryptogram from said payment card and after allowing the user access to the service, requesting an online payment authorization from a remote server based on said online authorization cryptogram.

14. The method of claim 10 , further comprising, after allowing said user access to the service, requesting by said first control block said online payment authorization for a payment value greater than a minimum charge associated with the use of the service.

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

16. A non-transitory computer readable medium comprising instructions which, when executed by one or more hardware processors, causes performance of operations comprising:
reading by a read device electronic information from a payment card of a user;
determining by a first control block based

Assignees

• Accenture Global Services Ltd

Inventors

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

Classifications

• G07C9/10

  Movable barriers with registering means · CPC title

• G07C9/28

  the pass enabling tracking or indicating presence · CPC title

• G07C9/27

  with central registration · CPC title

• G07B15/063

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

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title