HK1000454B - Method and device for processing coded information with an ic-card - Google Patents
Method and device for processing coded information with an ic-card Download PDFInfo
- Publication number
- HK1000454B HK1000454B HK97101831.5A HK97101831A HK1000454B HK 1000454 B HK1000454 B HK 1000454B HK 97101831 A HK97101831 A HK 97101831A HK 1000454 B HK1000454 B HK 1000454B
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- Prior art keywords
- file
- points
- information
- coupon
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Abstract
The present invention concerns a process and a device of processing of coded information, during of an operation of purchased or payment by an incumbent client of a chip card at a shopkeeper. The memory of the chip card comprises a first file of identification, tells Member file, identifying the incumbent client of the card, a second file of posting, tells file Positions and a third file, tells Behavior file, concerning the behavior of the holder of the card with the commercial users. A determined algorithmic processing is undertaken according to a share of the date of the operation and on the other hand of information contained in files. One writes then data in the file Positions and new information in the Behavior file, and one prints or not the coupon, from result of the algorithmic processing.
Description
The present invention relates to a process for processing coded information during a transaction of purchase or payment by a customer holding a smart card at a merchant, in which the contents of the memory of the smart card are read and a coupon is or is not printed from the information from the contents of the memory.
It also concerns a device implementing such a process.
The present invention has a particularly important, though not exclusive, application in the field of processing loyalty cards presented at the time of payment by customers at a merchant, e.g. a hypermarket or supermarket type retail store, a gas station, or a car dealership.
Thus, with the invention, it is possible to modulate a commercial offer according to the cardholder's subsequent behaviour, which allows him to receive specific benefits in a personalised and immediate manner, which can also be recorded on the card.
A method is already known for granting specific benefits based on customer behaviour, which essentially consists of sending a discount coupon by post some time after the transaction triggering the purchase or payment by the holder.
This method has disadvantages: it is time-consuming and unreliable (loss of coupons, change of address).
One of the technical problems solved by the invention is to eliminate these significant delays by granting an advantage to the customer at the time of payment by the customer or more generally of the transaction triggering the advantage.
Err1:Expecting ',' delimiter: line 1 column 110 (char 109)
The merchant will be able to identify a customer according to the frequency of his visits and the volume of his expenditure and will be able to automatically grant him a specific advantage, which will be determined instantly.
For this purpose, the invention proposes, inter alia, a method of processing coded information during a purchase or payment transaction by a customer holding a smart card at a merchant, in which the contents of the memory of the smart card are read and whether or not a coupon is printed from the information from the contents of that memory,
characterised by the fact that the memory of the smart card contains a first identification file, the Member file, identifying the customer holding the card, a second accounting file, the Points file, and a third file, the Behaviour file, concerning the cardholder's behaviour towards the merchant or merchants using the card,
algorithmic processing is carried out, determined on the basis of the date of the operation and the information contained in the said files, including the Behaviour file,
Then we write data into the Points file, we write new information into the Behavior file, and we print out or not the coupon, based on the result of that algorithmic processing.
In advantageous modes of production, one or both of the following provisions are also used:
the algorithmic processing involves a step of incrementing or decrementing the Points file by a predetermined number of points; the coupon is printed only if the number of points contained in the Points file is greater than a specified value; the coupon is printed and/or the Points file is incremented or decremented only if the Member file meets certain criteria; the Points file is incremented or decremented according to the amount of the purchase or payment transaction; the Points file is incremented or decremented according to the frequency and/or location of the first, second or eleventh character of the cardholder over a specified period of time; information is introduced into a terminal for a specific operation, and information about the storage facilities, the location of the cardholder and the location of the payment terminal is compared with the information stored in the pre-operated storage facilities;
the results of these comparisons are processed to print a coupon and/or write to the Points file;
This makes it possible to carry out promotional operations limited in time and on a group of traders belonging to the same network.
Access to the files is encrypted by a so-called triple DES (Data Encryption Standard) encryption procedure.
The invention also proposes a device for processing coded information during a purchase or payment transaction by a user holding a smart card, including means of reading data coded in the memory of the smart card, means of calculation and means of printing a coupon,
characterised by the fact that the memory of the smart card contains a first identification file, the Member file, identifying the cardholder customer, a second accounting file, the Points file, and a third file, the Behaviour file, concerning the cardholder's behaviour towards the merchant or merchants who use it,
the means of calculation include means of algorithmic data processing based on the date of the operation and on the information contained in those files, including the Behaviour file,
and the device has means for writing new information into the Points file and the Behavior file from that algorithmic processing, the means of printing a coupon being arranged to print or not to print that coupon from the information from the contents of those files and that algorithmic processing.
The advantage of this system is that it also includes:
means of entering data corresponding to that operation into an intermediate memory and of displaying data,means of storing coded information relating to one or more operations,means of comparing the data entered into that intermediate memory with the information stored in those intermediate memory,means of processing the results of those comparisons,and means arranged to automatically print or not to print the coupon from information from the contents of the memory of the chip card,commanded by those means of processing those results.
The invention will be better understood by reading the following description of a particular embodiment given as a non-limiting example.
The description refers to the accompanying drawings in which:
Figure 1 shows a general diagram of a device according to an embodiment of the invention.Figure 2 is a partial block diagram of a method of embodiment of the memory of the chip card in the device according to the invention.Figure 3 is a block diagram of the information processing process according to the embodiment of the invention more specifically described here.
Figure 1 shows a device 1 comprising a payment terminal 2 equipped with a card reader 3 with a 4 chip 5.
The payment terminal is, for example, the type marketed under the Delta 15 reference by the French company Schlumberger.
The smart cards used in the present invention are, for example, cards sold under the codes MP-COS of the French company Gemplus or ME 2000 of the French company Schlumberger.
They may be bank, credit or loyalty cards.
Terminal 2 comprises a keyboard 6, a display screen 7 and a calculator 8 programmable according to algorithms determined in a way known to itself.
The calculator 8 is connected to drive 3 via a read/write circuit and to a microcomputer 9 itself connected to mass memory 10.
The device 1 also includes means of printing 11 a coupon 12 connected to the calculator 8 and a cash register 13 and invoice printer, e.g. via a computer 9.
The calculator 8 is connected, possibly via computer 9, to means (not represented) entirely remote from the site where the device 1 is installed and arranged to ensure consistency of processing and/or information processed and collected by different devices at different sites.
The organization of a mode of realization of memory 14 of chip 5 of card 4 has been shown in Figure 2.
The card includes multiple applications, memory 14 including a main or root directory 15.
It is organized into directories 16, 17, etc.
The information concerning the cardholder or holder is contained in a file 18 called the Member file, under main directory 15.
A System 16 directory is planned, including, for example, a file 19 concerning the map itself and other types of files 20 known in themselves.
Err1:Expecting ',' delimiter: line 1 column 165 (char 164)
The following are examples of ways of implementing the Member 18 file, the Behavior 21 file and the Points 22 file according to the invention.
Code read: free
Code updated: RCode01
- What?
| Numéro de la carte | 999999999 | 9 |
| Type | Alpha | 2 |
| Version | 99 | 2 |
| Applications présentes | O / N | 9 |
| Mois/année de personnalisation (fabrication) | aamm | 4 |
| Mois/année de 1ère utilisation | aamm | 4 |
| Mois/année de péremption | aamm | 4 |
| Réservé | Alpha | 46 |
Code read: free
Code updated: RCode12
- What?
| Nombre de commerçants maxi | 99 | 2 |
| Nombre de commerçants enregistrés | 99 | 2 |
| Réservé | Alpha | 16 |
| Commerçants (jusqu'au nb commerçants enreg.) : | ||
| Code commerçant | 99999 | 5 |
| Code activité | Alpha | 1 |
| Date première visite | aammjj | 6 |
| Date dernière visite | aammjj | 6 |
| Nombre visites ce mois | 99 | 2 |
| Dépenses ce mois | 99999 | 5 |
| Nombre visites cette année | 999 | 3 |
| Dépenses cette année | 999999 | 6 |
| Nombre visites total | 999 | 3 |
| Dépenses total | 999999 | 6 |
| Clé lecture solde | Libre |
| Clé débit | RKdeb1 |
| Clé crédit | Rkcred1 |
| PIN (pour accès au débit) | Rcode13 |
An advantageous implementation is to manage the security of card information by encrypting the codes according to card numbers.
The application includes, for example, two file access codes and two keys to the Points file.
They are used to calculate various codes and keys, which are then compared to the codes and keys inscribed on the card.
This diversification is done by the triple DES (Data Encryption Standard) procedure, applied to both the mother codes (or mother keys) and the card number.
The mother codes and mother keys embedded in the terminal are for example:Code01Member file update mothercodeCode12BehaviorKauth1Mother authentication key for PointsKcred1Mother credit key for Points
The mother codes or mother keys are also diversified and for example as follows:
1. The mother codes or mother keys (16 bytes) are divided into two equal parts of 8 bytes KL (left part) and KR (right part) 2. N (the first 8 bytes of the card number) is encrypted by KL: R1 = DES (KL,N) 3. R1 of 8 bytes is decrypted by KR: R2 = DES-1 (KR,R1) 4.
R is the result over 8 bytes of the triple DES diversification of a code or a master key, and therefore represents the value entered on the card.
An example of the operation of the device in Figure 1 is now described by reference to Figure 3.
The cardholder client user inserts card 4 into reader 3 (step 30), and the Member, Behavior and Points files are read (step 32).
A validity test 34 (expiry date) is then performed by comparison with the day date.
The amount of the purchase is then entered (step 36) either via teller 13 and microcomputer 9 or via keyboard 6.
If the sum is greater than a specified value (test 38), then algorithmic processing 40 is performed based on the information contained in the Member file, the Behavior file and the Points file.
The transaction results in a step 42 in which the Points file is increased by a number of points determined, for example, by the number of transactions carried out by the cardholder in the month.
Err1:Expecting ',' delimiter: line 1 column 102 (char 101)
A test step 46 is then planned comparing the number of points in the Points file to a defined threshold volume.
If the number of points is less than this, a message is sent in 48; if it is more, a coupon for a specific amount is printed (step 50).
The invention thus enables the cardholder to obtain two types of advantage separately or simultaneously:
a credit of points on an electronic point counter in the card chip,a coupon for a discount printed at the time of purchase, to be used on the purchase itself or on a future purchase.
Several examples of how this works are given below.
The merchant may choose, for example, to give 2 points to his customers on their first visit of the month, 4 points on their second visit and 6 points on their third visit of each month.
Another merchant may choose to link the points credit to a transaction amount, so that on the first visit the customer will receive, for example, a point amount equal to 10% of his purchase.
Another retailer may choose to offer a coupon for a discount on a purchase from home, for example, the retailer may give 25% discount to first-time customers and 10% to other customers.
The coupon may be worth points, in which case the coupon is given to the customer for a percentage of points. For example, if the merchant offers a coupon for a 25% discount, for a 10 point amount, the coupon will only be printed if the card has a minimum of 10 points.
The invention also allows for targeting of precise cards.The merchant identifies card numbers in the Member file in advance, which will receive an advantage on their next visits.
This list of maps can also be downloaded from a central system via the external link described in reference to Figure 1.
Err1:Expecting ',' delimiter: line 1 column 202 (char 201)
This aspect of the invention can thus be used to identify customers who spend little at the merchant but a lot in an industry close to that of the merchant.
An example of the parameterization of the algorithm for the grant of benefits according to the invention is given below.
| Paramètres généraux | Achat minimum | Montant en centimes | Seuil en dessous duquel l'opération est trop petite pour être considérée une visite |
| Une visite par jour ? | Oui | Seule première opération dans un même jour sera considérée comme une visite | |
| Non | N opérations un même jour = N visites | ||
| Fonction multi-visite | Non activée | Appliquer les paramètres de "Visite 1" pour toute visite. Ne pas mettre à jour le fichier Comportement dans la carte | |
| même Mois | Distinguer entre 1ère, 2ème et 3ème visite dans un même mois | ||
| même Année | ... dans une même année | ||
| depuis Création Carte | ... depuis la création de la carte | ||
| Bonus Seuil | Montant | Seuil pour l'émission de points bonus | |
| Bonus points | 999 | Montant des points bonus | |
| Paramètres visite 1 | Calcul points | Non activée | Pas de crédit ou débit de points lors de la première visite |
| Crédit | |||
| Débit | |||
| Calcul Points | Fixe | Le champ "Valeur Points" est une somme fixe de points | |
| Pourcentage | Le champ "Valeur Points" est un pourcentage du montant de l'opération | ||
| Valeur Points | 999 | Valeur Points 999 en points (jusqu'à 999), ou en pourcentage (jusqu'à 99,9%) | |
| Texte coupon | Non activée | Aucun message supplémentaire à imprimer sur le ticket | |
| ASCII 2 x 20 | Impression 2 lignes de 20 caractères, en plus des infos concernant l'ancien solde, les points acquis, et le nouveau solde | ||
| Paramètres visite 2 | Fonction points | cf visite 1 | |
| Calcul Points | |||
| Valeur Points | |||
| Texte coupon | |||
| Paramètres visite 3 | Fonction Points | cf visite 1 | |
| Calcul Points | |||
| Valeur Points | |||
| Texte coupon | |||
| Paramètres visites 4 et + | Fonction Points | cf visite 1 | |
| Calcul Points | |||
| Valeur Points | |||
| Texte coupon |
As a matter of course, and as a result of the foregoing, the present invention is not limited to the particular implementation of the invention described herein. Alternatively, the algorithmic processing may be remotely programmable.
Claims (7)
- Method for processing encoded information, during a purchase or payment transaction by a customer holding a card (4) with a chip (5) (smart card) at the premises of a trader, in which the content of the memory (14) of the smart card is read and a coupon (12) is or is not printed on the basis of information from the content of said memory, characterised in that, the memory of the smart card comprising a first identification file (18), known as a Member file, identifying the customer holding the card, a second accounting file (22), known as a Points file, and a third file (21), known as a Behaviour file, concerning the behaviour of the card holder with the user trader(s),a specified algorithmic processing operation is carried out according to on the one hand the date of the transaction and on the other hand the information contained in said files, including the Behaviour file,the algorithmic processing comprising a step of incrementing or decrementing the Point file by a predetermined number of points according to the frequency and/or nature of the first, second or xth visit of the card holder over a specified period of time,the coupon is printed only if the number of points contained in the Points file is greater than a given valuethen the data are written to the Points file,new information is written to the Behaviour file,and said coupon is or is not printed, on the basis of the result of said algorithmic processing.
- Method according to Claim 1, characterised in that the coupon is only printed and/or the Points file is only incremented or decremented if the Member file corresponds to specified criteria.
- Method according to any one of Claims 1 and 2, characterised in that the Points file is incremented more or less according to the amount of the purchase or payment transaction.
- Method according to any one of the preceding claims, characterised in that information corresponding to the transaction is entered in a memory of a payment terminal (2) located in the premises of said trader,said entered information is compared with information stored in storage means (9) and concerning predetermined series of transactions, andthe results of these comparisons are processed in order to print a coupon (12) and/or write to the Points file (22).
- Method according to any one of the preceding claims characterised in that access to the files is encrypted by an encryption procedure known as triple DES.
- Device (1) for processing encoded information, during a purchase or payment transaction by a user holding a card (4) with a chip (5) (smart card) comprising means (3) for reading encoded data in the memory of the smart card, calculation means (8, 9)and means (11) for printing a coupon (12), characterised in that, the memory (14) of the smart card comprising a first identification file (18), known as a Member file, identifying the customer holding the card, a second accounting file (22), known as a Points file, and a third file (21), known as a Behaviour file, concerning the behaviour of the card holder with the user trader(s),the calculation means (8) comprise specified algorithmic processing means according to on the one hand the date of the transaction and on the other hand the information contained in said files, including the Behaviour file,and in that the device comprises means (11) for writing information to the Points file and to the Behaviour file on the basis of said specified algorithmic processing,the means for printing a coupon being arranged so as to print said coupon or not, on the basis of the information coming from said files and said algorithmic processing.
- Device according to Claim 6, characterised in that it comprises- means for entering data corresponding to said transaction in a memory for intermediate storage and for the display (7) of data,- means (9) for storing encoded information regarding one or more transactions,- means for comparison between data entered into said intermediate memory and the information stored in said information storage resources,- means for processing the results of these comparisons,- and means (11) arranged for automatically printing a coupon, controlled by said means for processing said results and on the basis of the information coming from the content of the memory of said smart card.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| FR9600678 | 1996-01-22 | ||
| FR9600678A FR2743916B1 (en) | 1996-01-22 | 1996-01-22 | METHOD AND DEVICE FOR PROCESSING ENCODED INFORMATION WITH A CHIP CARD |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| HK1000454B true HK1000454B (en) | 2000-10-27 |
| HK1000454A1 HK1000454A1 (en) | 2000-10-27 |
Family
ID=9488330
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| HK97101831A HK1000454A1 (en) | 1996-01-22 | 1997-09-24 | Method and device for processing coded information with an ic-card |
Country Status (12)
| Country | Link |
|---|---|
| US (1) | US6722573B2 (en) |
| EP (2) | EP0786746B1 (en) |
| AT (2) | ATE246828T1 (en) |
| AU (1) | AU712925B2 (en) |
| CA (1) | CA2195679C (en) |
| DE (2) | DE69724008T2 (en) |
| DK (2) | DK0978808T3 (en) |
| ES (2) | ES2145558T3 (en) |
| FR (1) | FR2743916B1 (en) |
| GR (1) | GR3033606T3 (en) |
| HK (1) | HK1000454A1 (en) |
| PT (2) | PT786746E (en) |
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-
1996
- 1996-01-22 FR FR9600678A patent/FR2743916B1/en not_active Expired - Fee Related
-
1997
- 1997-01-21 DK DK99120992T patent/DK0978808T3/en active
- 1997-01-21 PT PT97400130T patent/PT786746E/en unknown
- 1997-01-21 DE DE69724008T patent/DE69724008T2/en not_active Expired - Lifetime
- 1997-01-21 PT PT99120992T patent/PT978808E/en unknown
- 1997-01-21 EP EP97400130A patent/EP0786746B1/en not_active Expired - Lifetime
- 1997-01-21 DK DK97400130T patent/DK0786746T3/en active
- 1997-01-21 AT AT99120992T patent/ATE246828T1/en active
- 1997-01-21 AU AU12267/97A patent/AU712925B2/en not_active Ceased
- 1997-01-21 EP EP99120992A patent/EP0978808B1/en not_active Expired - Lifetime
- 1997-01-21 ES ES97400130T patent/ES2145558T3/en not_active Expired - Lifetime
- 1997-01-21 DE DE69701406T patent/DE69701406T2/en not_active Expired - Lifetime
- 1997-01-21 ES ES99120992T patent/ES2204049T3/en not_active Expired - Lifetime
- 1997-01-21 AT AT97400130T patent/ATE190744T1/en active
- 1997-01-21 CA CA002195679A patent/CA2195679C/en not_active Expired - Fee Related
- 1997-09-24 HK HK97101831A patent/HK1000454A1/en not_active IP Right Cessation
-
2000
- 2000-06-07 GR GR20000401292T patent/GR3033606T3/en unknown
-
2002
- 2002-07-15 US US10/194,999 patent/US6722573B2/en not_active Expired - Fee Related
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