Classifications

• • 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
  • G06Q30/00—Commerce
  • G06Q30/02—Marketing; Price estimation or determination; Fundraising
• • 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
  • G06Q20/08—Payment architectures
  • G06Q20/20—Point-of-sale [POS] network systems
  • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• • 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
  • G06Q30/00—Commerce
  • G06Q30/02—Marketing; Price estimation or determination; Fundraising
  • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
  • G06Q30/0215—Including financial accounts
• • 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
  • G06Q30/00—Commerce
  • G06Q30/02—Marketing; Price estimation or determination; Fundraising
  • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
  • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

Definitions

• the present invention relates to a method of managing benefits, when paying by a user by credit card, chip (contact and / or contactless) and / or track, during a transaction at the least an affiliate merchant.
• 100 points will correspond to a free coffee at A and a porcelain plate at B.
• benefits management to be understood in general, that is to say, in particular both as to the issue but also the redemption of benefits, such as being for example the origin of a coupon issued electronically and / or printed on a ticket -caisse.
• Paper coupons are usually cut from newspapers or printed at a kiosk and more recently from a personal computer.
• the system deducts the amount of the discount, the amount of the payment to be made by the consumer while updating the card.
• Paper discount coupons require heavy and expensive management to spread the offer, use the reduction at the point of sale and finally process the information.
• the accumulation of Paper discount coupons by the consumer is also a drag on their use.
• the present invention aims to overcome these disadvantages and to provide a method and a device that better than those previously known to the requirements of the practice, particularly in that that it allows the consumer to benefit easily, thanks to his own bank payment cards, from a system allowing the implementation of advantages to be promoted by traders or supermarket, in a simple, inexpensive and easy way to implement, and this for benefits generated and delivered in the same store said merchant.
• the invention allows the implementation of an extremely powerful method or system, which will notably allow the optimized management of benefits regardless of the type of bank card used at the merchant.
• the invention allows consumers to participate in the loyalty program merchants instant.
• the merchant will use the consumer's bank card to store application data such as information and behavioral data concerning the consumer (for example RFM data - initial recency-frequency-amount ”) and / or benefits gained in previous transactions, either to initiate the acquisition of this application data stored elsewhere on a remote server, to condition the consideration and / or the issuance of benefits, without having to create a support for specific storage like a loyalty card.
• application data such as information and behavioral data concerning the consumer (for example RFM data - initial recency-frequency-amount ") and / or benefits gained in previous transactions, either to initiate the acquisition of this application data stored elsewhere on a remote server, to condition the consideration and / or the issuance of benefits, without having to create a support for specific storage like a loyalty card.
• Bank cards are indeed portable objects, secure and mass-distributed, which offer many more possibilities and security than a simple loyalty card. With the invention it will be possible to produce a micro-summary of the behavioral data
• RFM data (For example RFM data or "Recency, Frequency and Monetary Value") of the customer based on his behavior at the merchant.
• the latter determines whether the application data can be obtained directly from the card.
• the terminal obtains this application data from a remote server through a request known in itself.
• the application data is then available in real time each time the customer uses his credit card at the merchant, which allows the redemption and / or the immediate issue of benefits to the funds.
• the intelligence of the system is in the payment terminal and not in a remote server. This has advantages that were not necessarily apparent to a person skilled in the art.
• the server can also be restarted quickly in case of failure.
• a merchant will be able to recognize the first time a user pays with his card at this merchant. He can then offer him a welcome gift, then follow his journey as a customer by adapting his offers as and when the subsequent use of his credit card to pay at this merchant.
• he may choose to offer preferential electronic coupons to his best customers.
• the trader may decide to give preferential promotions to less frequent customers to encourage them to return. For example, by acknowledging that the customer has not come for more than ninety days, he can encourage him through a promotional ticket to return within thirty days.
• the invention starts therefore and in particular, on the one hand from the idea of freeing itself from a card which assumes a specific physical system with a reader for receiving the offer and its use at the point of sale, and on the other hand the very strong and surprising synergistic efficiency of a closed circuit operation for a user on the premises of the store itself.
• Another advantage of the invention is to allow the trader to adapt his promotional offers to those he knows to be most effective and without requiring the intervention of specific technical personnel and / or devices other than those existing.
• the invention notably proposes a method of managing benefits, during the payment by a user by smart card and / or track card, during a transaction with at least one affiliated merchant, characterized in that user application data being stored in the chip and / or on an external remote server, and a specific promotional program being stored and / or valid at the merchant, when the user uses his credit card to pay at said merchant , the chip and / or said server are interrogated to know the application data related to this card, then the potential advantages already acquired are used and / or new advantages are generated according to said application data and said promotional program of the merchant before handing over update this application data.
• one and / or the other of the following provisions is also used: in the case where the above method is used with a smart card capable of storing the application data the promotional program processes the transaction and payment at said merchant without using an external remote server, the data used being stored in said chip; - In the case where the above method uses either a track card or a smart card not capable of storing the application data, it implements the payment authorization communication protocol by credit card or any other communication protocol for interrogating and communicating with the external remote data storage server;
• the merchant's payment terminal processes the transaction by using a remote server in which the application data of said user, then said application data is written in the chip of the new card and the following transactions are performed or not without connection to the server;
• the application data is the behavioral data of the cardholder, for example the RFM data at the merchant concerned, as well as the advantages acquired by the user during his previous transactions;
• Standard bank cards are used on the market without modification and / or specific programming, application data being stored if applicable in a register of said card;
• the application data of the user is edited in real time when the user uses his credit card at a merchant's premises, the codes of the items purchased during the transaction are analyzed and when one or more items are identified for which one or more benefits are awarded, the benefits are allocated accordingly. This may for example result in an automatic deduction of an amount of discounts on the total amount of purchases.
• the invention also proposes a system for printing and / or storing electronic coupons implementing the method described above.
• a benefits management system when payment by a user by smart card and / or track card during a transaction with at least one affiliated merchant, the system comprising: a register, said application register, belonging to the card or to an external remote server, suitable for storing the application data of the user, - a point-of-sale terminal for example of the payment terminal type or electronic cash register equipped with a specific promotional program,
• the promotional program processes the transaction and payment at said merchant without using an external remote server.
• the system comprises means making it possible to use the credit card payment authorization communication protocol to interrogate and communicate with the external remote data storage server.
• bank cards are standard cards of the market without modification and / or specific programming, the application data being stored if necessary in a register of said card.
• the system comprises means for real-time editing of the application data of the user when the user uses his card. bank at a merchant.
• the system comprises a device for reading the codes of purchased items and means arranged to generate benefits based on the promotional program and identified articles.
• Figure 1 is a schematic view of a system according to one embodiment of the invention.
• FIG. 2 gives an example of a receipt with a generated coupon, used with the method according to one embodiment of the invention.
• FIG. 3 is a flowchart schematically describing the implementation steps of one embodiment of the method according to the invention.
• FIG. 1 shows a system 1 for printing a coupon 2 on a receipt 3 when paying by a user 4 with his bank card 5 chip 6 or track 7 introduced into a reader 5 'during the purchase of an item 8 at a merchant.
• the system comprises a register 9 belonging to the card and / or a register 9 'belonging to an external remote server 10, for example connected by the Internet 11 to the part of the system located at the merchant itself via an interface 12.
• the register 9 or 9 ' is arranged to store the application data of the user, for example in the form of a file of the following type:
• the behavioral data 9 ' is stored in the remote server 10 in the form of a more complete file that will notably allow the micro-summary edition of a customer's file.
• the file format is exactly the same as that stored in the chip and includes several "Slots", each example of twenty ⁇ bytes to store the behavioral data that indicates for example and simply the amount and / or number of visits.
• the file concerning the specific merchant at which the transaction takes place is then transmitted at high speed by the server.
• the number r identity of the card is stored in a secure manner according to the required standards.
• the promotional program reference numbers and the representative value of the behavioral data are in hexadecimal format.
• An additional file is also advantageously provided which makes it possible to store administrative data concerning each known card at the date of creation of its image, as well as the date of its last update, which allows in particular to purge the base of cards too old.
• the server receives an update request, containing the representative values created, modified or deleted during the transaction.
• the file stored on the server also includes records for other merchants that the client has already visited, it is desirable to limit the data returned by the server to only data related to the merchant concerned by the current transaction.
• the file stored on the server can be in a detailed form including all the application data usually stored in a smart card, for example in the form of a series of basic objects called CARD_OBJ, ISSUER_OBJ, POOL_OBJ and COUPON OBJ below.
• CARD OBJ CARD OBJ:
• a second object ISSUER_OBJ is advantageously provided.
• the third object named LOY_OBJ contains several RFM records or "slots" containing the behavioral data of the user.
• Each record is linked to an RFM campaign for which a merchant, or a group of merchants, rewards its customers for their RFM behavior, the merchant that the customer attended.
• POOL_OBJ contains the benefits or "rewards" of cash type related to a specific campaign in which the user participates.
• the merchant will give a reward to his customers (either a fixed amount or an amount based on a percentage of the amount of the purchase).
• the reward can be a number of points as well as money.
• CPN_0BJ contains the advantages or "rewards" of type electronic coupons related to a specific campaign in which the user participates.
• the system 1 furthermore includes a point of sale terminal 13 (POS for Point of Sale in the English language), for example formed by an electronic cash register 14 equipped with a determined promotional program stored in a box. register 15 of the cash register.
• POS Point of Sale in the English language
• This promotional program makes it possible to provide consumer-specific benefits in the form of a discount voucher and / or a gift voucher printed on the credit card ticket for the purchase itself or on a future purchase.
• Several examples of operations are given below.
• the merchant can for example offer a discount voucher, worth a purchase at home.
• the trader can give 25% discount to his customers who come for the first time, and
• the shopkeeper can give a welcome gift, he can offer different samples for example every purchase, he can give a free entrance and / or a free meal with every purchase etc.
• the system 1 also includes a bar code reader 16 for entering the references of the purchased products.
• FIG. 2 An example of ticket 17 of credit card cash obtained by implementing the method according to the invention and showing 'the elements 18 concerning the transaction and the promotional offer 19.
• the data corresponding to the promotional program (s) are, for example, integrated into the bank authorization application at 26, then transmitted (step 27) via the Internet in a secure manner at 28.
• the remote server '10 returns then at 29 the application data concerning the client, which are received at 30, transferred at 31 to constitute a file 32.
• the transaction related to the application data concerning the consumer is then performed at 33, then the application data is updated at 34. to form the file 35, transferred in turn 36 in a form possibly different (diamond 37) to the server 10.
• An acknowledgment at 38 is then returned by the server which indicates that the server has processed the transaction, information for example used to trigger the printing event receipt, which terminates the transaction.

Landscapes

• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Finance (AREA)
• Strategic Management (AREA)
• Engineering & Computer Science (AREA)
• Development Economics (AREA)
• General Physics & Mathematics (AREA)
• Economics (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• Theoretical Computer Science (AREA)
• Game Theory and Decision Science (AREA)
• Marketing (AREA)
• Entrepreneurship & Innovation (AREA)
• Cash Registers Or Receiving Machines (AREA)
• Management, Administration, Business Operations System, And Electronic Commerce (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (2)

Publications (1)

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• 2005
  • 2005-05-12 FR FR0504772A patent/FR2885715A1/fr not_active Withdrawn
• 2006
  • 2006-05-11 WO PCT/FR2006/001051 patent/WO2006120350A2/fr not_active Ceased
  • 2006-05-11 US US11/920,135 patent/US20090099917A1/en not_active Abandoned
  • 2006-05-11 EP EP06764597A patent/EP1886267A2/de not_active Withdrawn
  • 2006-05-11 BR BRPI0608985-2A patent/BRPI0608985A2/pt not_active IP Right Cessation

Non-Patent Citations (1)

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