WO1993008546A1 - Systeme electronique de transfert automatique d'un pourcentage d'une somme depensee dans un commerce agree, a une police d'assurance etablie au nom de l'acheteur - Google Patents

Systeme electronique de transfert automatique d'un pourcentage d'une somme depensee dans un commerce agree, a une police d'assurance etablie au nom de l'acheteur Download PDF

Info

Publication number
WO1993008546A1
WO1993008546A1 PCT/IT1991/000103 IT9100103W WO9308546A1 WO 1993008546 A1 WO1993008546 A1 WO 1993008546A1 IT 9100103 W IT9100103 W IT 9100103W WO 9308546 A1 WO9308546 A1 WO 9308546A1
Authority
WO
WIPO (PCT)
Prior art keywords
electronic
purchases
customer
electronic card
insurance policy
Prior art date
Application number
PCT/IT1991/000103
Other languages
English (en)
Inventor
Lino Bonavitacola
Original Assignee
Lino Bonavitacola
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 Lino Bonavitacola filed Critical Lino Bonavitacola
Publication of WO1993008546A1 publication Critical patent/WO1993008546A1/fr

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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • 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
    • G06Q20/30—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
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Definitions

  • the invention concerns tele-informatic equipment specially connected for automatic operation of insurance methods.
  • cash registers for calculating the total sum a purchaser spends and issuing printed slips for fiscal use.
  • Payment may be made by means of an electronic card and for this purpose the cash registers are connected to a reader device.
  • Purpose of the above invention is to provide a means for creating insurance coverage to the advantage of both th e policy holders and the insurance companies.
  • Subject of the invention is an electronic system for automatically transferring a percentage of purchases made in shops partaking in the scheme, to an insurance policy held by the purchaser.
  • the system comprises the following:
  • - a set of equipment consisting of an. electronic cash register, a reader-writer of electronic cards and an electronic operating and control unit situated in the shop;
  • the card is issued by the above organization to each customer of the shops concerned who has applied for one, and includes a memory to contain all the customer's personal and statistical details as well as the number of the insurance policy drawn up in said customer's name.
  • This policy is taken out with an insurance company through the organization that operates the system.
  • the cash register After insertion of a customer's electronic card in the reader-writer device and when the amount of the purchases the customer has made has been recorded, the cash register calculates the sum corresponding to the percentage of said amount to be transferred to the insurance policy in said customer's name. The whole is then stored in a memory and a fiscal receipt is issued showing the list of purchases, the amount of the above percentage and the number of the customer's insurance policy.
  • the electronic control unit simultaneously sends all data concerning the above operation, and especially the sum to be transferred to the policy of the customer who has made the purchases, to the computer connected to said control unit and situated in the office of the organization that runs the service.
  • the cash register comprises logic circuits, memory units, a printer head, a keyboard, a display and an interface, unit for connection to the electronic card reader-writer device, to the scanner unit of purchased items and to the electronic control unit.
  • the electronic card reader-writer device comprises logic control units, memory units, the reader-writer device itself and an interface for connection to the cash register's interface.
  • the electronic control unit comprises a switching section for the interfaces of two sets of logic control units connected to memory units for connection to the cash register and for the computer installed at the organization that runs the service.
  • the electronic card may be either of the type with built-in chip or else magnetic.
  • the invention has obvious advantages.
  • Payment of the premium is automatic and is related to the frequent and necessary actions commonly made such as purchasing goods.
  • the sum to disburse is no longer fixed but is proportional to that spent on purchases and payment is not obligatory.
  • the whole is realized by simple means using apparatus of a well-known kind and electronic circuits associated in an original manner, and original electronic equipment of great simplicity and effectiveness.
  • Fig.1 Diagram of the electronic system subject of the
  • Fig.4 Facsimile of the receipt issued by the cash register
  • Fig.5 Diagram of how the invented electronic system works.
  • Figs. 6A, 6B, 6C Logic control units
  • Figs. 9A 9B Electronic card reader-writer device.
  • Figs. 10A 10B 10C 10D Exchange diagram of the operating and control unit.
  • an electronic complex 9 is installed, consisting of an electronic cash register 10, a reader-writer of electronic cards 11, a purchase selection unit 13 and a control unit 12.
  • the electronic circuit of the cash register 10 comprises two logic control units 20 and 21. The first of these is connected to the memory unit 22. The second is connected to the printer head 23, to the keyboard 24, to the display 25 and to the interface 26 for connection to the rest of the units.
  • the electronic card reader-writer 11 comprises the interface 30 connected to the logic control unit 31, to the memory logic unit 32 and to the electronic card reader-writer head 33.
  • the operation and control unit 12 comprises the switch section AB 40 connected to interfaces A 41 and B 42.
  • the interface A 41 is connected to the logic control unit 43, in turn connected to memory units B 44 and 45.
  • the interface B 42 is connected to the logic control unit B46, in turn connected to memory units B 47 and 48.
  • the electronic complex 9 is connected by the switch section 40 to the computer 50 situated at the offices of the organization that runs the service, in turn served by the printer 51 and by the monitor 52.
  • the electronic card 14 is of the type with built-in chip; it contains in its memory the customer's personal and statistical data and the indications as shown in Figs. 3A and 3B.
  • the name 60 of the organization that operates the system On the front side may be seen the name 60 of the organization that operates the system, the name 61 of the electronic card, its progressive number 62, the progressive number 63 of the insurance policy made out to the owner of the electronic card, and said owner's name 64.
  • the name 65 of the shop taking part in the scheme On the back may be seen the name 65 of the shop taking part in the scheme, the brand name 66 of the card, the space 67 for the holder's signature and the magnetic strip 68.
  • the organization that operates the services issues said electronic card to the customers of a supermarket or any kind of shop taking part in the scheme and at the same time draws up a special insurance policy in the name of each one.
  • the customer 80 who has chosen the products to be b ough t in one of the above shops, goes to the cash desk 81 and pays for the goods with the electronic card 14.
  • the cashier puts said card in the reader device 11 and after its acceptance is notified, taps out the prices of the goods.
  • the cash register 10 records the purchases and calculates the total 83, issues the receipt 70 for the customer showing the percentage 73 of the total amount of purchases to be transferred to said customer's insurance policy. All this is stored in the memory unit 22.
  • the receipt bears a declaration 71 of this transfer and the number 72 of the policy and percentage amount 73.
  • the cash register 10 ceases recording on the inserted electronic card 14 and assumes the position for reading the next of said cards.
  • the recorded data are transmitted by a tele-informatic process, through the operating and control unit 12 to the computer 50 at the organization running the system.
  • Each month said organization sends to each customer a statement 86 of what has been bought in the month and recorded with the electronic card and, to the shop where the purchases were made, the statement 87 of what was bought there with said electronic card and the sum to be paid over to the above organization for the customer's insurance policy. Every six months said organization will send to each customer a progressive Statement 88 of the sum transferred to the insurance policy of that customer and will pay over to the insurance company the sums 89 received from the shop.

Landscapes

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

Abstract

Système électronique de transfert automatique d'un pourcentage d'une somme dépensée dans un commerce agréé, à une police d'assurance établie au nom de l'acheteur. Il comporte un ensemble électronique (9) constitué d'une caisse enregistreuse électronique (10), d'un dispositif (11) de lecture/écriture à cartes électroniques, et d'une unité de commande électronique (12) devant être installée dans les commerces agréés, un ordinateur (50) devant être installé dans le local de l'organisme gestionnaire du système, et relié audit ensemble électronique (9) par l'intermédiaire d'un système télé-informatique, ainsi qu'une carte électronique spécialisée (14) programmée de manière appropriée et attribuée aux clients desdits commerces.
PCT/IT1991/000103 1991-10-23 1991-11-26 Systeme electronique de transfert automatique d'un pourcentage d'une somme depensee dans un commerce agree, a une police d'assurance etablie au nom de l'acheteur WO1993008546A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ITMI91A/002805 1991-10-23
ITMI912805A IT1251621B (it) 1991-10-23 1991-10-23 Sistema elettronico per l'automatico trasferimento d'una percentuale sugli acquisti effettuati in negozi convenzionati, su una polizza d'assicurazioni intestata all'acquirente

Publications (1)

Publication Number Publication Date
WO1993008546A1 true WO1993008546A1 (fr) 1993-04-29

Family

ID=11360929

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IT1991/000103 WO1993008546A1 (fr) 1991-10-23 1991-11-26 Systeme electronique de transfert automatique d'un pourcentage d'une somme depensee dans un commerce agree, a une police d'assurance etablie au nom de l'acheteur

Country Status (2)

Country Link
IT (1) IT1251621B (fr)
WO (1) WO1993008546A1 (fr)

Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1994004979A1 (fr) * 1992-08-11 1994-03-03 S.T.A.R.T., Inc. Systeme de traitement de transaction
GB2274349A (en) * 1993-01-15 1994-07-20 Htec Ltd Retailing system
WO1996024103A1 (fr) * 1995-02-02 1996-08-08 Peter Carroll Pty. Limited Systeme de traitement de declaration de sinistre
WO1996031848A2 (fr) * 1995-04-05 1996-10-10 Douglas Burdon Procede pour effectuer des ristournes dans le domaine des telecommunications
FR2760549A1 (fr) * 1997-03-07 1998-09-11 E & A Epargne & Achats Procede et systeme de transaction financiere
FR2805631A1 (fr) * 2000-02-28 2001-08-31 France Telecom Versement aux bonnes oeuvres par carte prepayee
US6419161B1 (en) 1996-01-22 2002-07-16 Welcome Real-Time Apparatus and method for processing coded information stored on an integrated circuit card
WO2002057876A2 (fr) * 2001-01-18 2002-07-25 First Usa Bank, N.A. Systeme et procede d'application d'un programme de carte de remise de courtage
WO2003052709A1 (fr) * 2001-12-14 2003-06-26 Pohl Angus Procede informatique automatise de collecte de petite monnaie
US6722573B2 (en) 1996-01-22 2004-04-20 Welcome Real-Time Apparatus and method for processing coded information stored in an integrated circuit card
US7424441B2 (en) 2002-02-19 2008-09-09 First Data Corporation Systems and methods for integrating loyalty and stored-value programs
US7620567B2 (en) 2002-02-19 2009-11-17 First Data Corporation Systems and methods for operating loyalty programs
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9984415B2 (en) 2009-09-24 2018-05-29 Guidewire Software, Inc. Method and apparatus for pricing insurance policies
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2496932A1 (fr) * 1980-12-19 1982-06-25 Maury Gilles Methode et utilisation de conventions entre consommateurs pour la circulation du capital
EP0189691A1 (fr) * 1984-12-13 1986-08-06 Societe Generale Des Cooperatives De Consommation Procédé pour enregistrer les achats effectués par ces clients individuels, carte magnétique et lecteur encodeur pour la mise en oeuvre du procédé
EP0253240A1 (fr) * 1986-07-03 1988-01-20 OMRON Corporation Terminal pour point de vente
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
EP0308224A2 (fr) * 1987-09-17 1989-03-22 Meridian Enterprises, Inc. Système de récompense au rendement
US4839804A (en) * 1986-12-30 1989-06-13 College Savings Bank Method and apparatus for insuring the funding of a future liability of uncertain cost
EP0425347A1 (fr) * 1989-10-24 1991-05-02 Adventure Dispositif portable électronique pour fidéliser un public à un média ou similaire

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2496932A1 (fr) * 1980-12-19 1982-06-25 Maury Gilles Methode et utilisation de conventions entre consommateurs pour la circulation du capital
EP0189691A1 (fr) * 1984-12-13 1986-08-06 Societe Generale Des Cooperatives De Consommation Procédé pour enregistrer les achats effectués par ces clients individuels, carte magnétique et lecteur encodeur pour la mise en oeuvre du procédé
EP0253240A1 (fr) * 1986-07-03 1988-01-20 OMRON Corporation Terminal pour point de vente
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US4839804A (en) * 1986-12-30 1989-06-13 College Savings Bank Method and apparatus for insuring the funding of a future liability of uncertain cost
EP0308224A2 (fr) * 1987-09-17 1989-03-22 Meridian Enterprises, Inc. Système de récompense au rendement
EP0425347A1 (fr) * 1989-10-24 1991-05-02 Adventure Dispositif portable électronique pour fidéliser un public à un média ou similaire

Cited By (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1994004979A1 (fr) * 1992-08-11 1994-03-03 S.T.A.R.T., Inc. Systeme de traitement de transaction
GB2274349A (en) * 1993-01-15 1994-07-20 Htec Ltd Retailing system
WO1996024103A1 (fr) * 1995-02-02 1996-08-08 Peter Carroll Pty. Limited Systeme de traitement de declaration de sinistre
WO1996031848A2 (fr) * 1995-04-05 1996-10-10 Douglas Burdon Procede pour effectuer des ristournes dans le domaine des telecommunications
WO1996031848A3 (fr) * 1995-04-05 1996-11-07 Douglas Burdon Procede pour effectuer des ristournes dans le domaine des telecommunications
US6419161B1 (en) 1996-01-22 2002-07-16 Welcome Real-Time Apparatus and method for processing coded information stored on an integrated circuit card
US6722573B2 (en) 1996-01-22 2004-04-20 Welcome Real-Time Apparatus and method for processing coded information stored in an integrated circuit card
WO1998040834A1 (fr) * 1997-03-07 1998-09-17 E & A (Epargne & Achats) Procede et systeme de transaction financiere liee a la consommation
FR2760549A1 (fr) * 1997-03-07 1998-09-11 E & A Epargne & Achats Procede et systeme de transaction financiere
FR2805631A1 (fr) * 2000-02-28 2001-08-31 France Telecom Versement aux bonnes oeuvres par carte prepayee
WO2001065430A1 (fr) * 2000-02-28 2001-09-07 France Telecom Versement aux bonnes oeuvres par carte prepayee
US7050554B2 (en) 2000-02-28 2006-05-23 France Telecom, Sa Payment to charities with prepaid card
WO2002057876A2 (fr) * 2001-01-18 2002-07-25 First Usa Bank, N.A. Systeme et procede d'application d'un programme de carte de remise de courtage
WO2002057876A3 (fr) * 2001-01-18 2002-11-07 First Usa Bank Na Systeme et procede d'application d'un programme de carte de remise de courtage
US6985873B2 (en) 2001-01-18 2006-01-10 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
WO2003052709A1 (fr) * 2001-12-14 2003-06-26 Pohl Angus Procede informatique automatise de collecte de petite monnaie
US7424441B2 (en) 2002-02-19 2008-09-09 First Data Corporation Systems and methods for integrating loyalty and stored-value programs
US7620567B2 (en) 2002-02-19 2009-11-17 First Data Corporation Systems and methods for operating loyalty programs
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9123044B2 (en) 2007-01-17 2015-09-01 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system
US9984415B2 (en) 2009-09-24 2018-05-29 Guidewire Software, Inc. Method and apparatus for pricing insurance policies
US11080790B2 (en) 2009-09-24 2021-08-03 Guidewire Software, Inc. Method and apparatus for managing revisions and tracking of insurance policy elements
US11900472B2 (en) 2009-09-24 2024-02-13 Guidewire Software, Inc. Method and apparatus for managing revisions and tracking of insurance policy elements

Also Published As

Publication number Publication date
ITMI912805A0 (it) 1991-10-23
IT1251621B (it) 1995-05-17
ITMI912805A1 (it) 1993-04-23

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