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WO2001015098A1 - Smart card database - Google Patents

Smart card database Download PDF

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Publication number
WO2001015098A1
WO2001015098A1 PCT/US2000/023455 US0023455W WO0115098A1 WO 2001015098 A1 WO2001015098 A1 WO 2001015098A1 US 0023455 W US0023455 W US 0023455W WO 0115098 A1 WO0115098 A1 WO 0115098A1
Authority
WO
WIPO (PCT)
Prior art keywords
record
file
file structure
bytes
coupon
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2000/023455
Other languages
French (fr)
Inventor
Carl Lehfeldt
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
GAMUT INTERACTIVE
Original Assignee
GAMUT INTERACTIVE
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by GAMUT INTERACTIVE filed Critical GAMUT INTERACTIVE
Priority to AU68016/00A priority Critical patent/AU6801600A/en
Publication of WO2001015098A1 publication Critical patent/WO2001015098A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • 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
    • 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
    • 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
    • G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures

Definitions

  • This invention relates to the field of smart cards.
  • the invention relates to a file structure employed in smart cards for facilitating commercial transactions.
  • Smart cards have been proposed as a medium for facilitating promotions such as coupons and loyalty programs.
  • the ubiquity of handheld wireless appliances allows the smart cards to include promotional data transmitted to the wireless unit. This creates an unprecedented opportunity for one-to-one marketing. As such, there is a need for a file structure on such smart cards to facilitate promotions received from wireless units.
  • the invention comprises a file structure for a smart card used to conduct promotions, such as coupons and loyalty programs.
  • the smart card can be read from or written to by a wireless device, which may receive data for the promotion through a wireless medium.
  • the promotion is conducted by a consumer who presents the smart card at point of sale.
  • Fig. 1 illustrates a file architecture for a smart card supporting promotions according to an embodiment of the invention.
  • the present invention comprises a file structure that enables smart cards to support commercial promotions, including but not limited to coupons and loyalty programs.
  • the smart card may be redeemed at a point of sale, such as in a supermarket, to redeem coupons or loyalty points.
  • the smart card may also be accessed by a portable device which may read from or write to the card.
  • a portable device which may read from or write to the card.
  • Such a device may also be referred to as an electronic "wallet.”
  • the wallet may also receive data via a wireless connection, such as a wireless phone transmission, or a wireless optical signal from a monitor, as described in U.S. Patents 5,594,493, 5,767,896, 5,880,769, 5,907,350, all of which are herein incorporated by reference in their entirety
  • the file structure may include the following files:
  • Header File 100 This file contains information pertaining to the card as a whole. It is a transparent (i.e., binary) file and comprises one record.
  • Coupon File 102 This file contains coupon records. It is transparent. The number of records in the file depends on the amount of memory available on the card.
  • Punchcard File 104 This file contains punchcard (loyalty program) records. Like the coupon file, it is transparent and its size depends on available memory.
  • Frequent Shopper Alias (FSA) File 106 This file contains frequent-shopper alias records. It is a transparent file. Its size also depends on available memory.
  • Text File 108 This file contains display text records for those manufacturers not represented in the Wallet's Flash-based manufacturers profiles database. It is transparent and its size depends on the amount of memory available on the card.
  • All files described are elementary (data) files that reside within the same dedicated (directory) file. This dedicated file lies just beneath a master file.
  • the other files are all fixed-length and are created during the manufacture process.
  • the files may have identifiers. As an example, these identifiers may be:
  • the header file 100 includes a single record comprising the following fields:
  • Total file size 100 bytes.
  • the coupon file 102 includes records with the following format:
  • the punchcard file 104 includes records with the following format:
  • the FSA file 106 contains records with the following format:
  • each text record 108 has the following format:
  • the size of this file is controlled by the card manufacturer.
  • the size of this file is 64 bytes containing 4 double length keys.
  • This file comprises a single 8 byte serial number.
  • files are accessed via secret codes (sometimes called PINs) as opposed to secret keys.
  • Other embodiments utilize secret keys, and include a Secret Key file.
  • codes presented to the card will be transmitted in the clear (not encrypted). This avoids the placement of cryptographic software in the wallet.
  • codes are presented to the card in encrypted format, and wallets include DES or other cryptographic software.
  • the code for read-access is the same for all files, while the code for update-access is the same for all files, but different than the read-access code.
  • the secret codes are based upon diversification of a code derived from a scrambling of the card's serial number. Other embodiments for generating such codes will be apparent to one skilled in the art.
  • Each serial number is unique and is created during the manufacture process. This serial number is generally distinct from the serial number assigned by the microprocessor manufacturer. The serial number can always be read in the clear.
  • the size of the Secret Code File and the Header File 100 are fixed. All other files may grow or shrink, depending on the amount of smartcard memory available.
  • Non-limiting scenarios include:
  • Coupon File 102 30 records for a total size of 660 bytes.
  • Punchcard File 104 10 records for a total size of 160 bytes
  • FSA File 106 4 records for a total size of 48 bytes.
  • Text File 108 3 records for a total size of 126 bytes.
  • Coupon File 102 60 records for a total size of 1320 bytes.
  • Punchcard File 104 20 records for a total size of 320 bytes
  • FSA File 106 8 records for a total size of 96 bytes
  • Text File 108 6 records for a total size of 252 bytes.
  • Coupon File 102 90 records for a total size of 1980 bytes
  • Punchcard File 104 30 records for a total size of 480 bytes.
  • FSA File 106 12 records for a total size of 144 bytes
  • Text File 108 9 records for a total size of 378 bytes.
  • Coupon File 102 120 records for a total size of
  • Punchcard File 104 40 records for a total size of 640 bytes
  • FSA File 106 16 records for a total size of 192 bytes
  • Text File 108 12 records for a total size of 504 bytes.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The invention comprises a file structure for a smart card used to conduct promotions, such as coupons and loyalty programs. In particular, the smart card can be read from or written to by a wireless device, which may receive data for the promotion through a wireless medium. The promotion is conducted by a consumer who presents the smart card at point of sale.

Description

SMART CARD DATABASE
BACKGROUND OF THE INVENTION
Field of the Invention
This invention relates to the field of smart cards. In particular, the invention relates to a file structure employed in smart cards for facilitating commercial transactions. Description of the Related Art
Traditionally, coupons are represented and redeemed by printed matter, which may appear in newspapers or other publications. Likewise, consumer loyalty programs are administered by use of physical punchcards. There are inherent limitations in the use of printed materials for coupons or loyalty programs which render them inadequate for the age of digital transactions. For instance, printed coupons do not allow for one-to-one marketing, as they demand substantial time and cost to print and deliver to the potential user. Moreover, printed coupons and loyalty punch cards are cumbersome to handle.
Smart cards have been proposed as a medium for facilitating promotions such as coupons and loyalty programs. The ubiquity of handheld wireless appliances allows the smart cards to include promotional data transmitted to the wireless unit. This creates an unprecedented opportunity for one-to-one marketing. As such, there is a need for a file structure on such smart cards to facilitate promotions received from wireless units.
SUMMARY OF THE INVENTION
The invention comprises a file structure for a smart card used to conduct promotions, such as coupons and loyalty programs. In particular, the smart card can be read from or written to by a wireless device, which may receive data for the promotion through a wireless medium. The promotion is conducted by a consumer who presents the smart card at point of sale. BRIEF DESCRIPTION OF THE FIGURES
Fig. 1 illustrates a file architecture for a smart card supporting promotions according to an embodiment of the invention.
A. System Overview
The present invention comprises a file structure that enables smart cards to support commercial promotions, including but not limited to coupons and loyalty programs. The smart card may be redeemed at a point of sale, such as in a supermarket, to redeem coupons or loyalty points. In embodiments of the invention, the smart card may also be accessed by a portable device which may read from or write to the card. Such a device may also be referred to as an electronic "wallet." The wallet may also receive data via a wireless connection, such as a wireless phone transmission, or a wireless optical signal from a monitor, as described in U.S. Patents 5,594,493, 5,767,896, 5,880,769, 5,907,350, all of which are herein incorporated by reference in their entirety
In embodiments of the invention, the file structure may include the following files:
• Header File 100. This file contains information pertaining to the card as a whole. It is a transparent (i.e., binary) file and comprises one record.
• Coupon File 102. This file contains coupon records. It is transparent. The number of records in the file depends on the amount of memory available on the card.
• Punchcard File 104. This file contains punchcard (loyalty program) records. Like the coupon file, it is transparent and its size depends on available memory.
• Frequent Shopper Alias (FSA) File 106. This file contains frequent-shopper alias records. It is a transparent file. Its size also depends on available memory. • Text File 108. This file contains display text records for those manufacturers not represented in the Wallet's Flash-based manufacturers profiles database. It is transparent and its size depends on the amount of memory available on the card.
• Secret Key File. This file contains 4 double length secret keys. These keys are not currently assigned to a specific file access regimen.
• Serial Number File. This file contains an 8 byte serial number. These files shall be described in greater detail infra.
B. File Organization
All files described are elementary (data) files that reside within the same dedicated (directory) file. This dedicated file lies just beneath a master file. In embodiments of the invention, the other files are all fixed-length and are created during the manufacture process. In a non-limiting embodiment of the invention, the files may have identifiers. As an example, these identifiers may be:
2B00 Directory 2080 Secret Key File 2B02 Header File 2B03 Coupon File 2B04 Punchcard File 2B05 FSA File 2B06 Text File 2B08 Serial Number File.
C. File Contents
The contents of the individual files are described herein.
Header File
In an embodiment of the invention, the header file 100 includes a single record comprising the following fields:
Wallet ID. 4 bytes.
Household ID. 8 bytes.
Serial Number. 8 bytes.
Database Version. 1 byte.
Last Update Source. 2 bytes.
Last Update Time. 3 bytes.
Maximum Coupon Count. 2 bytes.
Maximum Punchcard Count. 2 bytes.
Maximum FSA record Count. 2 bytes.
Maximum Text record Count. 2 bytes. Current Coupon Count. 2 bytes. Current Punchcard Count. 2 bytes. Current FSA record Count. 2 bytes. Card Usage Count. 2 bytes. Total Coupons Redeemed. 2 bytes. Total Savings Accumulator. 4 bytes. Monthly Savings Accumulator. 4 bytes. Temporary Savings Accumulator. 4 bytes. Reference Month. 1 byte. Timezone. 1 byte. Internal Error Counter. 2 bytes. Flags. 1 byte Spare Bytes 39 bytes. • Checksum. 2 bytes.
Total file size = 100 bytes.
Coupon File
In an embodiment of the invention, the coupon file 102 includes records with the following format:
• UPC Manufacturer Code. 5 bed digits.
• UPC Family Code. 3 bed digits.
• UPC Value Code. 2 bed digits.
• UPC Offer Code. 5 bed digits.
• Expiration Time. 3 bytes.
• Start Time. 3 bytes.
• Capture Time. 3 bytes.
• Text File Index. 1 byte.
• Reuse Counter. 1 byte.
• Flags. 1 byte.
• Checksum. 2 bytes.
Total record size = 22 bytes.
Punchcard File
In embodiments of the invention, the punchcard file 104 includes records with the following format:
• RFM ID. 8 bed digits.
• Expiration Date. 2 bytes
• Release Number. 1 byte.
• Reset Period. 1 byte.
• Days Since Last Visit. 1 byte.
• Purchases Accumulator. 2 bytes.
• Visits Accumulator. 1 byte.
• Spare/Filler. 4 bytes Total record size = 16 bytes.
FSA File
In embodiments of the invention, the FSA file 106 contains records with the following format:
• Retailer ID. 2 bytes.
• Customer ID. 8 bytes.
• Checksum. 2 bytes.
Total record size = 12 bytes.
Text File
In embodiments of the invention, each text record 108 has the following format:
• Text Line #1. 20 bytes.
• Text Line #2. 20 bytes.
• Checksum. 2 bytes.
Total record size = 42 bytes.
Secret Code File
The size of this file is controlled by the card manufacturer.
Secret Key File
The size of this file is 64 bytes containing 4 double length keys.
Serial Number File
This file comprises a single 8 byte serial number. D. Access Methods
In preferred embodiments of the invention, files are accessed via secret codes (sometimes called PINs) as opposed to secret keys. Other embodiments utilize secret keys, and include a Secret Key file. In embodiments of the invention, codes presented to the card will be transmitted in the clear (not encrypted). This avoids the placement of cryptographic software in the wallet. In alternative embodiments, codes are presented to the card in encrypted format, and wallets include DES or other cryptographic software.
In some embodiments, the code for read-access is the same for all files, while the code for update-access is the same for all files, but different than the read-access code. There is no need for a code for write-access, as it is not needed for file creation. In embodiments of the invention, the secret codes are based upon diversification of a code derived from a scrambling of the card's serial number. Other embodiments for generating such codes will be apparent to one skilled in the art. Each serial number is unique and is created during the manufacture process. This serial number is generally distinct from the serial number assigned by the microprocessor manufacturer. The serial number can always be read in the clear.
E. File Sizes
In embodiments of the invention, the size of the Secret Code File and the Header File 100 are fixed. All other files may grow or shrink, depending on the amount of smartcard memory available. Non-limiting scenarios include:
• 1 Kbyte available, excluding Header and Secret Code, Secret Key, and Serial Number Files.
• Coupon File 102: 30 records for a total size of 660 bytes.
• Punchcard File 104 : 10 records for a total size of 160 bytes • FSA File 106: 4 records for a total size of 48 bytes.
• Text File 108: 3 records for a total size of 126 bytes.
A total of 994 bytes for these 4 files.
• 2 Kbytes available, excluding Header and Secret Code, Secret Key, and Serial Number Files.
Coupon File 102" : 60 records for a total size of 1320 bytes.
Punchcard File 104: 20 records for a total size of 320 bytes,
FSA File 106: 8 records for a total size of 96 bytes,
Text File 108: 6 records for a total size of 252 bytes.
A total of 1988 bytes for these 4 files.
3 Kbytes available, excluding Header and Secret Code, Secret Key, and Serial Number Files.
Coupon File 102 : 90 records for a total size of 1980 bytes,
Punchcard File 104: 30 records for a total size of 480 bytes.
FSA File 106: 12 records for a total size of 144 bytes,
Text File 108: 9 records for a total size of 378 bytes.
A total of 2982 bytes for these 4 files.
4 Kbytes available, excluding Header and Secret Code, Secret Key, and Serial Number Files. Coupon File 102: 120 records for a total size of
2640 bytes,
Punchcard File 104: 40 records for a total size of 640 bytes,
FSA File 106: 16 records for a total size of 192 bytes,
Text File 108: 12 records for a total size of 504 bytes.
A total of 3976 bytes for these 4 files.
F. Conclusion
The foregoing description of various embodiments of the invention has been presented for purposes of illustration and description. It is not intended to limit the invention to the precise forms disclosed. Many modifications and equivalent arrangements will be apparent.

Claims

CLAIMSWhat is claimed is:
1. A file structure for a smart card, wherein the smart card is associated with an electronic wallet, the electronic wallet including a wireless handheld device adapted to read from and write to the smart card, the file structure comprising: a header file, the header file including an a first record, the first record identifying the electronic wallet.
2. The file structure of claim 1, wherein the first record has a size of four bytes.
3. The file structure of claim 1 , wherein the header file further includes a second record, the second record identifying a household corresponding to the electronic wallet.
4. The file structure of claim 3, wherein the second record has a size of eight bytes.
5. The file structure of claim 3, wherein the header file includes a third record, wherein the third record contains a serial number.
6. The file structure of claim 5, wherein the third record has a size of eight bytes.
7. The file structure of claim 6, wherein the header file includes a fourth record, wherein the fourth record indicates a current coupon count for the smart card.
8. The file structure of claim 7, wherein the fourth record has a size of two bytes.
9. The file structure of claim 7, wherein the header file includes a fifth record, wherein the fifth record indicates a number of the total coupons redeemed by use of the smart card.
10. The file structure of claim 9, wherein the fifth record has a size of two bytes.
11. The file structure of claim 10, wherein the file structure includes a sixth record, such that the sixth record indicates a total monetary amount saved by use of the card.
12. The file structure of claim 11, wherein the sixth record has a size of four bytes.
13. The file structure of claim 11, wherein the file structure includes a seventh record, such that the seventh record indicates a time zone.
14. The file structure of claim 13, wherein the seventh record has a length of 1 byte.
15. The file structure of claim 13, wherein the file structure includes an eight record, such that the eight record has a checksum.
16. The file structure of claim 15, wherein the eight record has a size of two bytes.
17. A file structure for a smart card, wherein the smart card is associated with an electronic wallet, the electronic wallet including a wireless handheld device adapted to read coupon data from the smart card and may write coupon data to the smart card, the file structure comprising: a coupon file, the coupon file including a first record containing a UPC Manufacturer code for a coupon on the wallet. a second record containing a UPC Family code for a coupon
18. The file structure of claim 17, wherein the coupon file further includes a third record containing a UPC Value code for a coupon.
19. The file structure of claim 18, wherein the coupon file further includes a fourth record containing a UPC Offer code for a coupon.
20. The file structure of claim 19, wherein the coupon file further includes a fifth record containing an expiration time for a coupon.
PCT/US2000/023455 1999-08-26 2000-08-25 Smart card database Ceased WO2001015098A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU68016/00A AU6801600A (en) 1999-08-26 2000-08-25 Smart card database

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US15092799P 1999-08-26 1999-08-26
US60/150,927 1999-08-26

Publications (1)

Publication Number Publication Date
WO2001015098A1 true WO2001015098A1 (en) 2001-03-01

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Application Number Title Priority Date Filing Date
PCT/US2000/023455 Ceased WO2001015098A1 (en) 1999-08-26 2000-08-25 Smart card database

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WO (1) WO2001015098A1 (en)

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