EP1854060A2 - System for using the frequency of use of charge cards, preferably of credit, payment, bonus and customer cards - Google Patents
System for using the frequency of use of charge cards, preferably of credit, payment, bonus and customer cardsInfo
- Publication number
- EP1854060A2 EP1854060A2 EP05815973A EP05815973A EP1854060A2 EP 1854060 A2 EP1854060 A2 EP 1854060A2 EP 05815973 A EP05815973 A EP 05815973A EP 05815973 A EP05815973 A EP 05815973A EP 1854060 A2 EP1854060 A2 EP 1854060A2
- Authority
- EP
- European Patent Office
- Prior art keywords
- computer
- card
- raffle
- transmitted
- information
- 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.)
- Withdrawn
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/32—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
- G07F17/3286—Type of games
- G07F17/329—Regular and instant lottery, e.g. electronic scratch cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
Definitions
- the present invention relates to a system for the use of prepaid cards, in particular credit, payment, bonus and customer cards, according to the preamble of claim 1.
- credit cards are billed electronically.
- z. B a customer when shopping in a department store to pay his credit card at the checkout.
- the card is read in a reader, for example, scanned in a scanner, and it is an authorization request to the computer of a bank started.
- the scanner transmits the required information, e.g. As the card number, the amount to be deducted from the account of the customer, etc., to the bank.
- the computer of the bank checks this data and determines, based on the information available to him about the customer's account, whether the account is covered for the payment of the desired amount or whether the credit card was stolen. If the response is positive, the computer sends the bank a corresponding authorization confirmation in the form of a
- Approval number to the department store scanner and the customer will print out a corresponding credit card receipt for the customer, which includes the amount debited from the customer's account, the credit card number and the approval number, among others.
- Credit cards such as Mastercard or VISA, are offered by the various banks and savings banks or by their own companies, such as American Express.
- the object of the present invention is now to design a system for the use of prepaid cards, such as credit, payment, bonus and loyalty cards, in such a way that the frequency of use of the cards is increased.
- the essential advantage of the present invention is that the frequency of use of prepaid cards, preferably credit, payment, bonus and loyalty cards, is substantially increased because an owner of a particular card is actively involved in the system each time this card is used, and one receives certain information, which particularly advantageously includes a winning number, which entitles the customer to participate in a raffle.
- the interest of individuals to acquire such a particular card in order to participate in the raffle results in a significant increase in the frequency of use of these particular cards.
- prepaid cards preferably credit, payment, loyalty and loyalty cards
- Figure 1 shows an embodiment of the system according to the invention, in which a customer is given an approval number, which may designate a profit or a rivet;
- FIG. 2 shows an embodiment of the system according to the invention in which a customer is informed of a number indicating a profit
- the reference numeral 1 designates an application area, for example, a department store, a restaurant, an online store, or the like, in which the credit card 10 of a customer is used as a prepaid card.
- the application area 1 for example, in a payment process, the credit card 10 in a reader 11, which is, for example, is a scanner, entered, as shown by the arrow Pl.
- Information read from the credit card 10 is transmitted via a data line 12 to the computer 21 of a bank 2 or a subcontractor or the like, this information being part an authorization request and may concern, among other things, the card number of the credit card 10, the amount to be paid, the date, the scope, the associated bank and so on.
- the computer 21 of the bank 2 or the subcontractor checks this information of the authorization request and sends back to the reader 11 an authorization confirmation, which after checking the identity and creditworthiness of the customer by the computer 21 an approval number "987654", which is printed on a reader 11
- the credit card receipt 13 usually contains further information 22, for example the amount debited from the customer's account, the card number, the area of application 1 (department store, etc.), the date, etc ., includes.
- the approval number "987654" issued individually for each payment process and printed on the credit card receipt 13 entitles the customer to participate in a raffle in accordance with the present invention.
- the customer enters the approval number "987654" in his private area (customer area 3) for interrogation at a terminal 31.
- This terminal may in particular be a telephone, eg a mobile phone, a PC or the like , so that via a corresponding data line 22, for example by SMS or Internet, the approval number "987654" to another computer 41 of the present system operating institution, ie the operator 4, is transmitted.
- the computer 41 compares the approval number "987654" transmitted to it with the winning numbers stored in its memory or generated at this time and sends via the data line 22 a notification to the terminal 31 of the customer, for example to the mobile phone or by email to the PC, etc., where this notification indicates whether the approval number "987654" has been assigned to a winning number and a win or is a failure. If necessary, the customer can then assert his profit entitlements with the operator 4.
- one or more winning numbers "987654”, for example with a random number generator, are determined and stored in the memory of the computer 41 for comparison with the approval numbers "987654".
- the bank 2 is connected via a data line 42 to the computer 41 of the operator 4 in connection.
- an authorization request is sent via the data line 12 to the computer 21 of the bank 2.
- the computer 21 gives way At the same time, the computer 21 communicates with the computer 41 via the data line 42 in order to obtain a currently valid number "876543.”
- the computer 41 draws its memory straight from the memory valid number "876543” and sends it via the data line 42 to the computer 21. This transmits the number "876543” via the data line 12 to the reader 11, in which it is printed on the credit card slip 21.
- the customer can then send the number "876543" via the data line 22 to the computer 41 and learn more about the nature of the profit that may be made.
- the corresponding information on the profit is then transmitted via the data line 22 to the terminal 31 transferred by the customer.
- the systems of FIGS. 1 and 2 differ in particular in that the system of FIG. 1 informs the customer of the approval number as a possible winning number, while in the system of FIG. 2 a number generated by the operator is transmitted as a possible profit number.
- the payment or credit card 10 is input to a reading and printing device 11 during a payment process (arrow P1).
- Information of the credit card 10 is transmitted via the data line 12 to the computer 21 of a bank 2 or the like, this information being part of an authorization request and including the card number of the credit card 10, the amount to be paid, the date, the scope, the associated bank etc .. concern.
- the computer 21 of the bank 2 checks the information of the authorization request and sends, as explained above, an authorization confirmation via the line 12 to the reader 11, which allows the execution of the payment process.
- the computer 21 sends the height of the amount to be paid correspondingly randomly generated lottery numbers to the reader 11, which prints these lottery numbers on the credit card receipt 13. For example, in a purchase in the amount of EUR 50, - a field 50 is printed and played with six lottery numbers. Accordingly, in a purchase process in the amount of EUR 100, - two fields 50 are printed and played with six lottery numbers, etc.
- the computer 21 is brought into contact with a server or a computer 51 of the system operator prior to issuing the authorization confirmation (request via line 52) in which the corresponding lottery numbers or game fields 50 are individually generated for the payment transaction.
- the authorization confirmation (request via line 52) in which the corresponding lottery numbers or game fields 50 are individually generated for the payment transaction.
- information is given to the computer 51, which relate to the subscriber, the payment amount and the time.
- the computer 51 then generates the corresponding number of random Lotto numbers according to the payment amount and sends them back via the line 52 to the computer 21, which sends the Lotto numbers information together with the authorization confirmation via the line 12 for printing on the credit card receipt 13.
- Corresponding printouts are designated by 50 in FIG.
- the customer can select in the customer area 3 himself desired by him Lotto numbers and send via a line 54, for example via the Internet, to the computer 51 of the • system operator.
- the computer 51 is connected via a line 55 to the computer 56 of a lottery organization which plays the lottery numbers generated in the computer 51 or the lotto numbers individually determined by the customer and transmits for this purpose via the line 57 to the lottery company. Depending on the time of receipt, these lottery numbers will be considered in the next draw.
- the lottery company transmits a corresponding profit notification via the line 57 to the arithmetic unit 56 of the lottery organization, which transmits a corresponding profit notification via a line 59 to the computer unit 60 of the customer.
- the lottery numbers are not printed on the credit card receipt 13, but that they are transmitted to the customer via a line 61 from the computer 51 to his mobile phone 62 (secondary message).
- the generated lottery numbers as a binding primary message via the line 54 from the computer 51 to the computer 60 of Be transferred to customers. This results in the necessary backup for a profit claim.
- the lottery numbers generated by the computer 51 can also be transmitted directly via the line 100 to the lottery company 58 determining the lottery numbers.
- the winning message can also be sent directly to the computer 51 of the system operator via the line 101 shown by a broken line. In this case, the computer 51 informs the customer 60 of the interrupted line 102.
- a further alternative is that upon reaching and determining a predetermined payment amount on the line 100, a release message is sent from the computer 51 directly to the lottery company 58.
- the lottery society 58 then generates random lottery numbers and sends them via the line 101 to the computer 51 of the system operator who then informs the customer in the manner already described.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Description
Claims
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE102004054613 | 2004-11-11 | ||
DE102005022109A DE102005022109A1 (en) | 2004-11-11 | 2005-05-12 | System for applying and increasing the frequency of use of credit and debit cards |
PCT/DE2005/002029 WO2006050712A2 (en) | 2004-11-11 | 2005-11-11 | System for using and increasing the frequency of use of charge cards, preferably of credit, payment, bonus and customer cards |
Publications (1)
Publication Number | Publication Date |
---|---|
EP1854060A2 true EP1854060A2 (en) | 2007-11-14 |
Family
ID=36143320
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP05815973A Withdrawn EP1854060A2 (en) | 2004-11-11 | 2005-11-11 | System for using the frequency of use of charge cards, preferably of credit, payment, bonus and customer cards |
Country Status (3)
Country | Link |
---|---|
EP (1) | EP1854060A2 (en) |
DE (1) | DE102005022109A1 (en) |
WO (1) | WO2006050712A2 (en) |
Family Cites Families (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5559312A (en) * | 1989-12-19 | 1996-09-24 | Scotch Twist, Inc. | Gaming machine system operable with general purpose charge cards |
US6694300B1 (en) * | 1997-03-21 | 2004-02-17 | Walker Digital, Llc | Method and apparatus for providing supplementary product sales to a customer at a customer terminal |
US6222914B1 (en) * | 1998-09-02 | 2001-04-24 | Mcmullin John L. | System and method for administration of an incentive award system having a delayed award payment using a credit instrument |
US20030018523A1 (en) * | 2001-07-20 | 2003-01-23 | Ethan Rappaport | Rewards program using electronically encoded instruments |
AU2002359901A1 (en) * | 2001-12-04 | 2003-06-17 | Great Star (Pty) Limited | Trading cards |
KR100473767B1 (en) * | 2003-06-02 | 2005-03-14 | 박기용 | Method for providing lotto lottery ticket using plastic card's receipt |
-
2005
- 2005-05-12 DE DE102005022109A patent/DE102005022109A1/en not_active Withdrawn
- 2005-11-11 EP EP05815973A patent/EP1854060A2/en not_active Withdrawn
- 2005-11-11 WO PCT/DE2005/002029 patent/WO2006050712A2/en active Application Filing
Non-Patent Citations (1)
Title |
---|
See references of WO2006050712A3 * |
Also Published As
Publication number | Publication date |
---|---|
WO2006050712A3 (en) | 2006-07-20 |
WO2006050712A2 (en) | 2006-05-18 |
DE102005022109A1 (en) | 2006-05-18 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
17P | Request for examination filed |
Effective date: 20070920 |
|
AK | Designated contracting states |
Kind code of ref document: A2 Designated state(s): AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LI LT LU LV MC NL PL PT RO SE SI SK TR |
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RIN1 | Information on inventor provided before grant (corrected) |
Inventor name: RAEDER, NIELS Inventor name: BERGER, OLIVER |
|
17Q | First examination report despatched |
Effective date: 20071221 |
|
DAX | Request for extension of the european patent (deleted) | ||
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN |
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18D | Application deemed to be withdrawn |
Effective date: 20080701 |