Classifications

• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/04—Payment circuits
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
  • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Definitions

• a method and system for electronic fundraising are provided. It is a question of executing with a portable object such as a microcircuit card or "smart card” a financial transaction (which one will call “summary transaction") operating this collection, starting from parameters function of the history of previous financial transactions, (which we will call “special transactions") carried out with this same smart card.
• a portable object such as a microcircuit card or "smart card”
• a financial transaction which one will call “summary transaction”
• special transactions carried out with this same smart card.
• One possible application which will be explained in detail, is fundraising for charitable or humanitarian organizations. This application is not, however, limiting, and other applications can be envisaged, for example the collection of taxes, commissions, or other fees based on particular transactions carried out with a smart card.
• the benefactor must also organize the memory and the trace of his donation. In the event of failure on only one of these stages, the gesture cannot succeed, and generally fails more or less irreversibly (for example loss of account number or address of the charity). The most precious part of the gesture of charity being the initial motivation, it is regrettable that this will can be wiped out for a cause as insignificant as the absence of a pencil or an envelope at hand.
• automating the process can be a significant step forward, both for charitable organizations and the donor and potential donor community.
• One of the aims of the invention is to automate such a process, so as to ensure greater efficiency in fundraising.
• Another object of the invention is to obtain such efficiency while preserving the confidentiality of the donation, by avoiding that each donation can be identified or visualized by any of the human operators intervening throughout the chain (entry of the check, postal circuit, receipt of donations) to avoid loss and misappropriation.
• the method of the invention comprises the following steps: a) execution by means of a first type of terminal of at least one particular transaction, with: ai) issuance of a money transfer order, for a amount and for the benefit of a beneficiary which are a function of the particular transaction executed, and a2) updating in the memory of the card of an incremental parameter as a function of the particular transaction, on the basis of pre-established rules; b) execution by means of a second type of terminal of a summary transaction, with: b1) reading in the card of the incremental parameter, b2) issuance of a money transfer order, for an amount depending on the value of the parameter incremental and for the benefit of a predetermined collecting body, and b3) reinitialization of the incremental parameter in the memory of the card.
• the incremental parameter can be a cumulative monetary value increased with each particular transaction by an increment determined in step a), for example by a predetermined value, constant for each particular transaction, or by a predetermined percentage of the both of the money transfer order of the particular transaction.
• it can also consist of a pointer addressing the last section of a history of the particular transactions stored in the card.
• Step b2) may optionally include the issuance of a plurality of money transfer orders for the benefit of a plurality of corresponding predetermined collecting bodies, and for respective amounts depending on the value of the incremental parameter and d '' a predetermined distribution key stored in the card.
• the invention also relates to a system for the implementation of this method, comprising: portable objects such as microcircuit cards, with a data memory comprising a register memorizing the bank references of a predetermined collecting body, a register storing rules for determining a quantum associated with a particular transaction executed by means of the card, and a register storing an incremental parameter updated with each particular transaction; first type terminals, capable of cooperating with a card for the execution of a particular financial transaction, and comprising means for issuing a money transfer order, for an amount and for the benefit of a beneficiary who are dependent on the particular transaction executed; and terminals of a second type, capable of cooperating with said card for the execution of a summary financial transaction, and comprising means for reading in the card the incremental parameter, issuing a money transfer order, for a amount as a function of the value of the incremental parameter and for the benefit of a predetermined collecting body, and reset the incremental parameter in the card memory.
• the card includes means for determining said quantum itself from the data of the particular transaction supplied by
• the invention is based on the use of a smart card of the bank card type, specially configured to carry out fundraising in the manner taught by the invention.
• an application form 10 a form which will have been completed by two sections 12, 14 intended to indicate respectively the bank references (RIB number of Bank Identity Statement ) the beneficiary organization chosen by the person; the other section is intended to indicate the method of calculating the elementary donation which will be taken into account for each particular transaction, for example a fixed donation of 1 F (or any other amount) per transaction, or a proportional donation of 1% (or any other percentage) of the transaction amount.
• the bank then issues a card 16 to the person, a card in which the two parameters of items 12 and 14 have been programmed.
• a register 22 memorizing the bank references RIBC of the collecting body and a register 24 storing a datum C representative of the method of calculating the elementary donation referred to above.
• C a numerical heading which.
• the memory also contains an accumulator register 26 storing a data item A incremented for each particular transaction in the manner which will be described below.
• EPT electronic payment terminal
• the incrementation of the accumulator is carried out by the card itself, by programming in particular the application software of the microcircuit processor. This can be done very simply, with just a few additional lines of code (see below).
• terminals can advantageously be placed in places with high traffic, waiting places, or places associated with a certain luxury or a certain futility of expenditure, such as duty-free shops, drugstores, shopping malls, game counters and lotteries.
• the donor can go and empty the accumulator of his card in one of these specific terminals 32 by carrying out the summary transaction , whose different stages are link as follows: insertion of the card, display of the totalizer amount (accumulator register 24), composition of the confidential code, - execution of the transaction itself by issuing a money transfer order to the computer 30, at profit of the organization whose bank references RIBC have been read in register 22, debit of the card, calculation and issuance of the certificate, - reset to zero of accumulator A.
• the automatic compensation may be carried out in a conventional manner from the benefactor's bank to that of the charity, via the existing means of processing card transactions bankers.
• the specific terminal 32 can be formed from a standard TPE whose software will have been adapted to read and process the zones 22 and 24 of the card, and it can be associated with a ticket printer intended to serve as supporting document to the benefactor so that he can benefit from the tax advantages associated with the donation he has just made.
• the terminal 32 can be juxtaposed, or even integrated, with a standard terminal such as an interactive terminal, a parking meter, a bank terminal or automatic teller machine, or even a telephone booth, thus allowing various actors such as cities, banks or telecommunications companies to contribute to the system by financing the upgrading of their own equipment so that they can play the role of a specific electronic fundraising terminal.
• a standard terminal such as an interactive terminal, a parking meter, a bank terminal or automatic teller machine, or even a telephone booth
• various actors such as cities, banks or telecommunications companies to contribute to the system by financing the upgrading of their own equipment so that they can play the role of a specific electronic fundraising terminal.
• the implementation of this system requires very few modifications to current payment systems. Firstly, with regard to the card, it suffices to provide three additional registers 22, 24 and 26 containing the RIBC data, A and C, and to adapt the application software so as to calculate the amount of each transaction. donate and increase the accumulator corresponding amount.
• This function can be summarized by
• the algorithm waits for the reception of a CMD command from the terminal while the application is running.
• TS specific terminal
• the amount of accumulator A is sent to terminal for processing, then reset. Otherwise (lines 4 to 6), the terminal is a standard TPE and the transaction (bank payment) is executed normally.
• the amount of the MD gift is calculated based on the amount T of the transaction and the charitable quantum C (this quantum corresponds to the example indicated above, that is to say, it gives a percentage if it is less than 1, and a unit amount if it is greater than or equal to 1), and this amount is added to the accumulator on line 6.
• this can be of a type similar to a standard TPE, modified by incorporating lines of appropriate codes such as:
• the terminal examines whether the register 22 is completed, that is to say whether it contains RIBC bank references; if so, it records these bank references and the amount of the accumulator to trigger the transfer of funds, and resets the accumulator to zero. Otherwise, it is a non-specific card of the invention, or a specific card which the bearer did not want to be a donor, and the terminal then behaves like a TPE pure and simple .
• RIBC bank references a non-specific card of the invention, or a specific card which the bearer did not want to be a donor
• the terminal then behaves like a TPE pure and simple .
• Various variants of implementation are of course conceivable. For example, instead of calculating for each particular transaction the amount of the donation and incrementing a corresponding accumulator, one can be satisfied with storing only a pointer addressing the history of the previous transactions operated by means of the card.
• the pointer points to the last transaction for which a specific terminal had raised funds. It is at the time of the introduction of the card in the specific terminal that the latter will explore the history of previous specific transactions and calculate, in one go, the total amount of the donation and reposition the pointer on the last line (the history).
• the donation quantum can be a predefined quantum, which no longer has to be entered in the card; the quantum is then the same for everyone, for example one franc (or 1%) per credit card payment transaction, ten cents per telephone call, etc.
• the memory can keep a plurality of bank references corresponding to several beneficiaries, the card memorizing a key for distributing the donation between these different organizations; the allocation can also be made at the request of the terminal before the transfer. Other variants are also possible.
• a sub-variant consists in authorizing a "modulation" of the amount of the gift at the time of transfer, according to a rule of the type "instead of giving the whole amount to A, I only give them half and I keep the other half in reserve ", or” I split the amount, I give 50% to A and 50% to B ".
• the zone 22 containing the RIBC bank references of the beneficiary is left blank, or is even omitted.
• the recipient of the donation will not be determined in advance from information entered on the card; it is the terminal, at the time of transfer, which will propose a list of possible beneficiaries to the card holder who will then choose from the list offered.
• the method of the invention can give rise to various other forms of implementation.
• the donation quantum can be a predefined quantum, which no longer has to be entered in the card; the quantum is then the same for everyone, for example one franc (or 1%) per credit card payment transaction, ten cents per telephone call, etc.
• the invention can be implemented from a very wide variety of cards such as a toll card for urban transport, card for public telephone, card for GSM cell phone, card type "electronic purse", card for television decoder, etc.
• the functionalities of the invention can be easily incorporated into various devices, for example (and in particular) the digital television decoders used for viewing channels on the Internet.
• decoders are indeed often connected to the telephone network, in particular in applications of the "pay-per-session” type, and have functions making it possible to display various commands on the screen, accessible and selectable by the user from a remote control.
• R (Receiver): transfer recipient (customer of bank BR),
• M Amount of amount paid (wire transfer) by E to R,
• Meaning -1: debit from a RIB account (account x),
• the implementation of the invention can simply be obtained by software adaptation of the decoder (or other terminal) by simple incorporation of an additional module.
• this function can be implemented by a simple software update, it can be added a posteriori to pre-existing terminals, for example by downloading a new version of the terminal control software, without it either need to disassemble it or return it to its manufacturer.

Landscapes

• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Engineering & Computer Science (AREA)
• Physics & Mathematics (AREA)
• General Physics & Mathematics (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Theoretical Computer Science (AREA)
• Finance (AREA)
• Computer Networks & Wireless Communication (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
• Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Applications Claiming Priority (3)

Publications (1)

Family

ID=9524269

Family Applications (1)

Country Status (4)

Families Citing this family (6)

Family Cites Families (4)

• 1998
  • 1998-03-20 FR FR9803424A patent/FR2776403B1/fr not_active Expired - Fee Related
• 1999
  • 1999-03-17 AU AU28419/99A patent/AU2841999A/en not_active Abandoned
  • 1999-03-17 WO PCT/FR1999/000610 patent/WO1999049385A1/fr not_active Ceased
  • 1999-03-17 EP EP99909026A patent/EP1064596A1/de not_active Withdrawn

Non-Patent Citations (1)

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