07121456 is referenced by 38 patents and cites 375 patents.

A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.

Title
Method and system for managing token image replacement
Application Number
10/661228
Publication Number
7121456 (B2)
Application Date
September 12, 2003
Publication Date
October 17, 2006
Inventor
Michael Salters
Plymouth
MN, US
James Mazour
St. Louis Park
MN, US
Marc Black
St. Paul
MN, US
Kim Madore
Markham
CA
James G Gordon
Eastwood
AU
Bryan Shimko
Scottsdale
AZ, US
Douglas Jones
San Francisco
CA, US
Paul Spaeth
Half Moon Bay
CA, US
Agent
Townsend and Townsend and Crew
Assignee
Visa U
CA, US
IPC
G06F 17/00
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