FR2776403A1 - Electronic fund-raising method and system for collection of funds by charities and humanitarian organizations - Google Patents

Abstract

Process comprises the following steps: using a first type of terminal (28) a money transfer for a total and for a certain beneficiary which are functions of the particular transaction is made; a memory (18) is updated with a new balance according to the pre-established rules. A second type of transaction is executed using a second terminal (32) allowing transfer of money and updating of the card.- DETAILED DESCRIPTION - An INDEPENDENT CLAIM is made for a system for collection of funds using the smart card donation system

Description

z

  The invention relates to a method and an electronic collection system

fund.

  This involves running with a portable object such as a micro-card.

  circuit or "smart card" a financial transaction (which will be called "summary transaction") operating this collection, from parameters based on the history of previous financial transactions, (which will be called "particular transactions") performed with this

same smart card.

  One possible application, which will be detailed, is the collection

  funds for charitable or humanitarian organizations.

  This application is however not limiting, and other applications

  may be considered, for example the collection of taxes,

  assignments, or other fees based on particular transactions

made with a smart card.

  In the case of charity campaigns, one of the factors

  less efficiency is the path that, for the sake of

  separates the will to give a concrete and final gesture.

  Several steps are essential, none of which can be ignored.

  SOE. For example, a personality, known for his charisma, makes a call on television. The call is followed by the exact and detailed title of the organization to be funded, for example on the screen in large print,

  for a few seconds.

The benefactor must then:

  - copy this address very quickly (which presupposes that it has

  pier and pencil handy), - keep it, - decide on a donation amount, - make a check payable to the charity, - get an envelope, - stamp this envelope,

  - do not forget to post it (so find a mailbox).

  If he wishes to benefit from tax advantages associated with his action, the

  benefactor must also organize the memory and the trace of his gift.

  In case of failure on only one of these steps, the gesture can not succeed,

  and generally fails more or less irreversibly (eg

  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 desire can be destroyed for

  a cause as insignificant as the absence of a pencil or an enve-

  loppe at hand. This is why automation of the process can be a significant step forward, both with respect to charities

  the community of potential donors and donors.

  One of the aims of the invention is to automate such a process, so as to ensure better collection efficiency.

of funds.

  Another object of the invention is to obtain such efficiency while preserving the confidentiality of the gift, avoiding that each donation can be identified or visualized by any of the human operators involved throughout the chain (input of check, postal tour,

  receiving donations) to avoid losses and diversions.

  For this purpose, 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: al) issuing a monetary transfer order, for a amount and for the benefit of a beneficiary that depend on the particular transaction executed, and a2) update

  in the memory of the map of an incremental parameter

  one of the particular transaction, on the basis of pre-established rules; b) execution by means of a second type of terminal of a transaction

  recapitulative, with: bl) reading in the map of the incremental parameter

  mental, b2) issuance of a money transfer order, for a

  amount depending on the value of the incremental parameter and the

  made of a predetermined collector organism, and b3) reset

  incremental parameter in the map memory.

  The incremental parameter can be a cumulative monetary value

  increased for each particular transaction by a specific increment

  in step a), for example a predetermined, constant value

  for each particular transaction, or a predetermined percentage

  completed the amount of the monetary transfer order of the transaction

special.

  Alternatively, it may also consist of a pointer addressing

  the last section of a history of specific transactions

in the map.

  Step b2) can possibly include the issue of a plural

  transfer orders to a plurality of corresponding predetermined collectors, and for respective amounts depending on the value of the incremental parameter and a key

  predetermined distribution stored in the card.

  The invention also relates to a system for carrying out this method, comprising:

  - portable objects such as microcircuit cards, with a

  of data comprising a register storing the references

  these banks of a predetermined collector, 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; - Terminals of a first type, able to cooperate with a card

  for the execution of a particular financial transaction, and

  taking means to issue a money transfer order, for an amount and for the benefit of a beneficiary that is a function of the particular transaction executed; and - terminals of a second type, able to cooperate with said card

  for the execution of a summary financial transaction, and

  taking means to read in the map the incremental parameter

  tal, issue a money transfer order, for an amount

  function of the value of the incremental parameter and in favor of a

  predetermined collector mechanism, and reset the parameter

  cremental in the memory of the map.

  Very advantageously, the card includes means for determining

  said quantum from the data of the particular transaction.

  provided by a terminal of the first type.

  Other features and advantages of the invention will become apparent

  on reading the detailed description below of an example of a bet

  implemented, with reference to the attached figure which is a representation

  synoptic representation of the various elements of the system involved in

  assigned fundraising according to the invention. o The invention is based on the use of a credit card type card, specially configured to perform the collection of

  fund in the manner taught by the invention.

  To obtain such a card from his bank, a person must fill in, typically, an application form 10, which form has been completed by two items 12, 14 intended to indicate

  respectively bank references (RIB number of Relevé d'iden-

  bank) of the recipient organization chosen by the person; the other

  This heading is intended to indicate the method for calculating the

  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, card in the-

  which the two parameters of items 12 and 14 have been programmed.

  So, if we consider the mapping of the memory of the micro-

  circuit of the map 16, there is, in addition to the usual data required

  the execution of banking transactions and contained in the

  , a register 22 memorizing the bank references RIBC of the orga-

  collector and a register 24 storing a data item C representing

  the method of calculating the elementary donation referred to above.

  For example, it is possible to provide for C a numerical item which,

  if it is less than 1, indicates that it is a percentage of

  both of the transaction and give the amount of that percentage (eg C = 0.01 indicates that the unit amount or "quantum" of the donation will be 1% of the amount of the particular transaction made with the card) and, if it is greater than or equal to 1, directly indicates the unit amount in francs of the donation for each transaction (for example C 1 indicates that the donation is 1 franc per transaction, C = 5, 5 francs

per transaction, etc.).

  The memory also contains an accumulator register 26

  morissant a data A incremented with each particular transaction

  in the way that will be described below.

  Once provided with this card, the person will be able to carry out in the usual way various purchases, each being realized by means of

  an electronic payment terminal (EPT) 28.

  When performing each of these particular transactions, Accumulator A is increased by the amount of the donation, as determined by parameter C.

  Very advantageously, the incrementation of the accumulator is

  created by the card itself, in particular programming the application software of the microcircuit processor. This operation can

  be done in a very simple way, with some lines of code sup-

  only (see below).

  The integration to the card of the calculation of the gift and the incrementation of

  the accumulator makes it possible to use for the terminals 28 conventional TPEs.

  unmodified, so that they will not need to discriminate

  nation between conventional microcircuit cards and cards according to the

  vention; in either case, the TPE 28 proceeds conventionally

  than issuing a money transfer order, transmitted to a website

remote 30 for compensation.

  At the stage just described, no transfer of funds has

  has been carried out for the benefit of the collecting body.

  For this purpose, specific terminals 32 are provided for

  the operation of the system according to the invention.

  These terminals can be advantageously arranged in

  places of traffic, waiting places, or places where

  associated with some luxury or some futility of expenses, such as duty-free shops, drugstores, shopping malls, playoffs

and lotteries.

  On his initiative, and at the moment of his decision - what

  reads the voluntary and motivated nature of the donation - the donor can go empty the accumulator of his card in one of these specific terminals 32 by carrying out the summary transaction, whose different stages are linked in the following way: - insertion of the card, - display of the amount of the totalizer (accumulator register 24), - composition of the confidential code, - execution of the transaction itself by issuing a monetary transfer order to the computer 30, for the benefit of the organization of which the RIBC bank references have been read in the register 22, the debit card, the calculation and issue of the certificate, the reset of the accumulator A. Once the transfer order has been recorded in the computer 30, the

  automatic compensation may be effected in such a way that

  same classic from the benefactor's bank to that of the charity, via existing means of processing transactions

Bank cards.

  The specific terminal 32 may consist of a standard TPE whose software has been adapted to read and process the zones 22.

  and 24 of the card, and it can be associated with a ticket printer des-

  to support the benefactor so that he can benefit from the tax benefits 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 ATM machine, or a cabin

  telephone, thus enabling various actors such as cities,

  telecommunications companies to contribute to the system by financing the upgrading of their own equipment in order to

  enable them to play the role of a specific electricity collection terminal.

tronic fund.

  As can be seen, the implementation of this system

  requires very little modification of the payment systems

tual.

  In the first place, as regards the card, it is sufficient to provide three additional registers 22, 24 and 26 containing the data RIBC, A and C, and to adapt the application software so as to calculate for each particular transaction the amount of the donate and increase the corresponding amount the accumulator. This function can be summarized by the following statements, expressed in metalanguage: 001 while operation 002 wait CMD, 003 if CMD = TS then sendA: A = 0O: end 004 execute transaction

MD = ((C <1) * T + (C≥1)) * C

006 A = A + MD

  007 wend 008 end In the first two lines, the algorithm waits for the receipt of a CMD command from the terminal while the application

unfolds.

  In line 3, if this command indicates the presence of a specific terminal (TS), i.e. a type 32 terminal intended to collect the funds, the amount of the accumulator A is sent to terminal for

treatment, then reset.

  In the opposite case (lines 4 to 6), the terminal is a standard TPE

  dard and the transaction (bank payment) is executed normally. In line 5, the donation amount MD is calculated according to the amount T

  of the transaction and the quantum of charity C (this quantum cor-

  respond to the example given above, that is to say that it gives a

  if it is less than 1, and a unit amount if it is greater

  or equal to 1), and this amount is added to the accumulator on line 6.

  On the specific terminal 32 side, this may be of a similar type

  to a standard TPE, modified by incorporation of appropriate code lines such as: 001 read RIBC 002 if RIBC = 0 then return (standard TPE basic function) 003 copy RIBC, A

004 A = 0

  005 return In line 2, the terminal examines whether the register 22 is filled,

  that is, if it contains RIBC bank references; in the affirmative

  it records these bank references and the amount of the accumu-

  to initiate the transfer of funds, and return the accumulator to

  zero. Otherwise, it is a non-specific map of the in-

  tion, or of a specific card which the wearer did not wish to

  storing donor, and the terminal then behaves like a pure and simple TPE.

  Various variants of implementations are of course envisaged.

  geable. For example, instead of calculating the amount of the donation for each particular transaction and incrementing a corresponding accumulator,

  can only store a pointer to the histori-

  than previous transactions operated by means of the card. At a given moment, the pointer points to the last transaction that made

  the subject of a fundraising by a specific terminal. It is at the moment

  the introduction of the card in the specific terminal that the latter will explore the history of previous specific transactions and will calculate, at one time, the total amount of the donation and reposition

  the pointer to the last (most recent) line in the history.

  In another variant, the memory may retain a plurality of bank references corresponding to several beneficiaries. The card then memorizes a distribution key of the donation between these different

organizations.

Claims (8)

  1. A process of electronic fund collection, in which   cute with a portable object such as a microcircuit card (16) a tran-   recapitulative financial action whose parameters are based on   the history of particular past financial transactions effected   killed with the same card, the method comprising the following steps: a) execution by means of a first type of terminal (28) of at least one particular transaction, with: al) issuing a monetary transfer order, for a the amount and for the benefit of a beneficiary which is a function of the particular transaction executed, and   a2) updating in the memory (18) of the card a parameter   cremental (A) according to the particular transaction, based on pre-established rules (C);   (b) execution by means of a second type of terminal (32) of a transmission   summarizing action, with: b1) reading in the incremental parameter map, b2) issuing a monetary transfer order, for an amount depending on the value of the incremental parameter and in favor of a predetermined collector, and b3) reset of the incremental parameter in the memory of the map.   2. The method of claim 1, wherein the incremental parameter   mental is a cumulative monetary value, increased at each   particular transaction of an increment determined in step a).   3. The method of claim 2, wherein the increment is a   predetermined value, constant for each particular transaction.   4. The method of claim 2, wherein the increment is a predetermined percentage of the amount of the cash transfer order. of the particular transaction.   5. The method of claim 1, wherein the incremental parameter   mental is a pointer to the last section of a history   particular transactions stored in the card.   6. The method of claim 1, wherein step b2) comprises transmitting a plurality of money transfer orders to a plurality of corresponding predetermined collector organisms,   and for respective amounts depending on the value of the parameter   cremental and a predetermined distribution key stored in the map.   7. An electronic fund collection system by executing a summary financial transaction whose parameters depend on the history of particular past transactions, this system comprising: - portable objects such as microcircuit cards (16), with a data memory (18) comprising: * a register (22) storing the bank references (RIBC) of a predetermined collecting organism; * a register (24) storing rules (C) for determining a quantum associated with a a particular transaction executed by means of the card, and * a register (26) storing an incremental parameter (A) updated with each particular transaction; terminals of a first type (28) capable of cooperating with a card for the execution of a particular financial transaction, and   including means for issuing a monet transfer order   for an amount and for the benefit of a beneficiary that are dependent on the particular transaction executed; and - terminals of a second type (32), able to cooperate with said card for executing a summary financial transaction,   and including means for reading in the card the parameter   a monetary transfer order, for a total amount of   as a function of the value of the incremental parameter and to the benefit   of a predetermined collector organism, and reset the parameter   incremental in the memory of the card.   The system of claim 7, wherein the card includes means for determining said quantum itself from the data of the particular transaction provided by a terminal of the first type.