CN1226042A - 追踪智能卡购买记分的方法与系统 - Google Patents

追踪智能卡购买记分的方法与系统 Download PDF

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CN1226042A
CN1226042A CN99101834.6A CN99101834A CN1226042A CN 1226042 A CN1226042 A CN 1226042A CN 99101834 A CN99101834 A CN 99101834A CN 1226042 A CN1226042 A CN 1226042A
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约瑟夫·C·卡万
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Citicorp Development Center Inc
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Abstract

一个追踪和赎回智能卡购买记分的方法和系统,它将有关至少与一个零售商交易的记分程序信息存入智能卡微处理机的记分寄存器中,而将交易信息存入其购买日志中。比较交易信息与记分程序信息,并自动识别购买日志中但被记分寄存器忽略的交易信息。用被忽略的交易信息自动更新记分程序信息。交易信息包括以升序排列的多个唯一的交易号。识别步骤包括识别那些所存交易信息中大于记分程序信息之交易号的一个或多个交易号。

Description

追踪智能卡购买记分的方法与系统
本应用得益于1998年元月30日提交的美国临时申请No.60/073,093。
本发明一般是涉及智能卡领域，尤其是涉及追踪智能卡记分程序(loyaltyprogram)中零售购买记分(loyalty points)的方法及系统。
智能卡典型的是一张如信用卡那样大小的塑料卡。卡中嵌入微处理机使其成为“智能”。微处理机储存信息，并防止对信息的非法存取。嵌有微处理机的智能处理微处理机上的信息，能增加、删除和以其他方式处理卡上的信息。智能卡有广泛的应用，如储存钱额，消费者能可用此钱额与商家交易。
消费交易使用智能卡引起了对与此交易相关的记分程序的需求，向消费者回报购买记分。例如，一个使用智能卡作为储存货币卡的消费者用零售终端与商家交易。借助于修改零售终端可以完成将购买的购买记分放在卡上的功能。必须有一个中间系统，收集购买记分并将其送到主处理机或中央计算机中。着手搞这样的系统要付出巨大的努力和花费，因为它与其他终端相互作用，并需改变到其他终端软件。
对终端软件的增加和修改也需要在测试和验证方面作出很大的努力。因为此类型的购买记分系统不仅在设备上，而且在时间和集中管理上都需要很大的投入以使监督整个过程。运行修改零售终端的记分程序的另一个缺点是(因为运行时间增加)减少了流通量。在修改的零售终端上分配和赎回购买记分增加了处理时间，使付款的队伍更长，需要更多的人手。因此需要一个脱机的记分程序，或一个如下所述的记分程序，它能在零售终端上按智能卡本身的自动功能完成记分的更新，包括追踪和偿还智能卡的购买记分，这些功能可以廉价地综合并由当地的零售点来控制。
本发明的目的和优点是提供一种方法和系统，用于追踪和更新智能卡的购买记分，它允许廉价地实现一个零售记分程序。
本发明的进一步的目的和优点是使得诸如市场有限，资本有限或远程的并且过去认为要建立记分程序十分昂贵的零售商，现在能很快、很容易地建立零售记分程序。
本发明的另一个目的与优点是对过去不存在的那样零售点建立新市场，并允许如出售食品杂货的零售点和出售汽油的零售点联合起来，以便它们的购买记分在相互业务中可交易。
本发明的一个附加目的和优点是提供一种安排，可以引诱消费者频繁光顾每个那样的零售点，以确定那些可以交换购买记分的特殊商品，，而不仅仅回报当前的顾客。
本发明还有一个目标和优点是提供一个安排，它积累对每个那些零售点的新客户，使每个零售点得益。
为达到本发明的所述和另外特点，优点和目的，本发明的一个较佳实施例提供一种追踪智能卡记分程序信息的方法和系统，该方法和系统为客户将有关至少与一个零售商交易的记分程序信息储存在智能卡微处理机上智能卡记分程序应用的记分寄存器中，例如在智能卡微处理机的交易日志中。储存在智能卡购买日志中的交易信息与存储在智能卡记分寄存器中的记分程序信息进行比较。自动识别存入购买日志中，但有关交易的相应记分程序信息未被存入记分寄存器中(即被存入记分程序信息所忽略)的关于至少一次购买的购买信息。储存的记分程序信息用被忽略的交易信息自动更新，自动更新或者在零售终端上借助于智能卡微处理机应用程序的运行，或者在独立的终端上进行。
在本发明的一实施例中，在诸如零售终端或包括微处理机的独立终端上为用户将智能卡记分应用程序装在智能卡微处理机的可编程存储器中。智能卡插入终端中，客户根据终端上智能卡的记分程序加载应用程序的提示输入客户信息。智能卡的记分程序加载应用程序将智能卡记分应用程序加载到智能卡微处理机中，如智能卡微处理机的可编程存储器中。为客户储存在记分应用程序之记分寄存器中的智能卡记分程序信息例如包括与零售商有关的零售商识别号。
在本发明的一个实施例中，当客户在零售终端之类的终端上完成一次零售交易时，为该客户存储交易信息。智能卡被插入终端，在智能卡微处理机上储存值应用程序与零售应用程序之间为客户传输对应钱值的信息或数据。被传输的信息表示在智能卡微处理机上储存值的增加钱值或扣除的值值。传输信息被自动地为客户登录到智能卡的购买日志中，智能卡然后从零售终端上退出。交易信息包括如对客户的与零售交易相关的交易识别符，如唯一的交易号；还包括如与零售商有关的零售号。交易信息也包括零售交易的金额和日期。
在本发明的一个实施例中，为客户储存在智能卡微处理机上的交易信息在零售终端上进行零售时储存在智能卡微处理机上交易日志的购买日志中。零售包括在智能卡微处理机上储存钱值的应用程序与零售终端上零售应用程序之间为用户传输表示钱值的信息。为用户自动将交易信息登录到智能卡微处理机上的购买日志中。交易信息包括与交易相关的交易识别符，如唯一的交易和与零售商有关的零售商识别号。交易信息还包括交易金额和交易日期等特殊项。
在本发明的一个实施例中，用智能卡在零售终端上交易(或作为交易工作的一部分)以后，在使用智能卡微处理机的零售终端或独立的终端上，自动将储存在智能卡微处理机上购买日志中的交易信息与储存在智能卡微处理机上记分寄存器中的记分程序信息进行比较。如果零售的交易识别符出现在被忽略的交易信息中，而对此信息有一个相应的零售识别符存在记分程序信息中，则被忽略的交易信息自动识别，在零售终端或在独立的终端上，自动用被忽略的信息更新储存的记分程序信息。在连接终端的打印机上，为零售商自动打出更新记分程序信息的综合报表。更新的记分程序信息还能自动地立即在终端上从智能卡上载到后台办公室的记分程序服务器，或以后成批上载。
在本发明的一个实施例中，一般将许多唯一的交易号以升序储存在智能卡微处理机的购买日志中，每一个与一次特定零售交易相关。相似地，储存的记分程序信息包括许多唯一的交易号，它们与一个或多个参与的零售交易相联系。因此，自动识别被忽略的交易信息包括例如识别与交易信息一起储存的一个或多个交易号，这些号大于储存在记分程序信息中的任何交易号。此外，被储存的记分程序信息也包括例如与每次零售交易相关的购买记分以及累计购买记分的余额。客户能在诸如零售终端、独立终端或个人手持式阅读设备等终端上访问储存在智能卡微处理机上的累计购买记分信息，并在与终端/阅读设备相连的屏幕上显示余额信息。客户还能在终端上访问和显示有关赎回某些或所有累计购买记分的信息。此外，客户还能在与终端相关的输入设备上输入赎回某些或全部累计购买记分的请求。相似的，兑取的奖券可以在与终端相关的打印机为客户打印，终端能使用兑取信息自动更新余额信息。
发明的其他目的、优点和新颖特点将部分地在下面叙述中展开，本领域的技术人员通过阅读以下内容将更清楚部分特点，并借助于对该发明的实践而掌握之。
图1表示了本发明一实施例脱机智能卡记分程序中独立终端的关键部件。
图2是一张表，说明了本发明一实施例的智能卡交易日志的关键元素。
图3是一张表，说明了本发明一实施例的智能卡购买日志交易信息的关键元素。
图4是一张流程图，说明按本发明一实施例在独立终端上启动智能卡记分程序过程中关键部件之间的信息流程。
图5是一张表，说明了按本发明一实施例智能卡零售记分寄存器的关键单元。
图6是一张流程图，说明了按本发明一实施例用智能卡在零售终端进行购买的过程中关键部件之间的信息流程。
图7是一张流程图，说明按本发明一实施例在独立终端上更新智能卡记分寄存器过程中关键部件之间的信息流程。
图8是一张流程图，说明了按本发明一实施例在客户咨询智能卡购买记分余额和赎回智能卡购买记分过程中关键部件之间的信息流程。
图9是一张示意图，描述了按本发明一实施例与独立终端相连的菜单式小键盘。
图10是一张流程图，说明了按本发明一实施例在零售终端上自动更新智能卡记分寄存器过程中的信息流程。
现详细参照本发明的一个实施例(其一个例子在附图中解释)，图1表示了按本发明的一个实施例在脱机智能卡记分程序中使用的独立终端2的关键部件。参照图1，本发明脱机记分程序的实施例由嵌有微处理机6的智能卡4和用于追踪和赎取零售购买记分的独立终端2组成。智能卡4由嵌有微处理机6的信用卡大小的塑料卡组成，微处理机具有存储器，设置和安全地储存至少一个零售记分寄存器。独立终端2包括微处理机8，显示器10，一个如键盘12那样的输入装置12，一个打印机14和一个智能卡阅读器16。显示器10使用LCD(液晶显示器)之类的屏幕显示信息。此外，独立终端2是交互式的，消费者能使用字符数字键盘12输入信息或作出选择。另外，例如键盘12可以是菜单驱动式的或如触摸屏那样的虚拟键盘。
在本发明的一个实施例中，如VISA Cash Smart CARD(现金智能卡)的智能卡4在卡的存储器中存有交易日志和钱值。图2是一张表，说明了按本发明一实施例的智能卡交易日志的关键元素。参照图2，交易日志20有2个部分。第一部分22用于在例如零售终端上对卡4加载和取出钱值，第二部分24是实际上的购买日志26(图例中存有10条)和记分程序应用28。图3是一张表，说明了按本发明一实施例的智能卡购买日志交易信息。参照图3，交易日志20按升序为每次交易建立一个唯一的交易号30。在购买日志26中与交易号30相关的其他交易信息有诸如零售商识别号32、交易日期34和交易金额36。
在本发明的一个实施例中，独立终端2通过第一次使用或其他终端初始化手段在卡4的微处理机6上建立被选的记分应用程序28，从而激活智能卡的记分能力。然后，终端2能在例如LCD屏幕上显示当前的余额记分，更新记分程序28的记分寄存器，并赎取购买记分。智能记分卡系统在本发明的一实施例中由当地零售点控制而不与现有的记分系统交互作用。这样，频繁的买方型记分程序能容易地建立，不必与现有的系统结合，也就没有复杂性和花费了。
在本发明的一个实施例中，智能卡记分程序28是借助于将智能卡4插入独立终端2而启动的。另一种方法是，记分程序28由卡的发行者加入的，也可通过其他手段，如主计算机，如自动取款机(ATM)那样的公用存取终端或因特网。智能卡4可由银行及当地零售商共同发行，或者可以是能用记分程序更新的独立的现金卡。图4是一张流程图，它说明了按本发明一实施例在独立终端2上启动智能卡记分程序之过程中的信息流程。当在S1插入智能卡4时，独立终端2用专门的客户信息提示消费者，以便在S2上触发加载记分程序。在S3，客户输入客户信息，包括如人口统计和生物统计信息，分别为市场和安全的目的。人口统计信息，如姓名、地址、电话号码、出生日期，社会安全码和其他类似信息，在S3被输入。另外，用于安全目的信息，如个人识别码(PIN)和如指纹或眼扫描那样的生物信息可在S3输入。在S4，终端2在智能卡4的存储区载加一个或更多的零售记分寄存器。
图5是一个表，说明了按本发明一实施例和智能卡记分程序零售记分寄存器的关键元素。参照图5，在本发明的一实施例中，每个零售记分寄存器40由诸如零售商识别号42识别，使与特定零售商的交易与该特定零售的记分寄存器40相匹配。并且，每个安装的记分程序28的识别标记被放置在卡4的外面。识别标记可以借助于使用染料升华过程打印到卡上，或者在卡上放置标签以识别程序。另外，在加载记分寄存器40或在独立终端上未来使用智能卡时，其他动机的程序能安装在有关每次零售的智能卡上。例如与记分寄存器40一起可以插入lotto型(美国的奖券)的号码。每当一个消费者使用智能卡购物时，lotto型号码被读出，与得奖的号码比较，认定消费者是否得各种奖，如额外的购买记分，或免费或减价商品。这样，可有益地将额外的鼓励程序加入到记分程序中。
在本发明的一个实施例中，一旦零售记分程序被设置，智能卡4被用于追踪购买记分。图6是一张流程图，说明按本发明一实施例的用智能卡4在零售终端进行购买的过程中的信息流程。在S10，消费者将智能卡插入零售终端，用智能卡4购买。在S11，智能卡4和零售终端之间交互作用，零售终端鉴别卡4是否能用于特定消费者交易。在S12，零售终端从卡4上加载或取出值，并在S13将关于交易的信息写到智能卡4之存储器内的购买日志24中。
图7是一张流程图，说明按本发明一实施例在独立终端2上更新智能卡记分寄存器40的过程中的信息流程。参照图7，在本发明的一实施例中，在零售终端完成零售交易以后，消费者在S20将智能卡4插入独立终端2。在S21进行鉴别以后，独立终端2在S22将购买日志24中的信息(如零售商识别号32和交易号30)与记分寄存器40中的信息(如与特定零售商相关的零售商识别号42)，进行比较。在S23，独立终端2调节零售记分寄存器40，考虑任何未被记录的零售交易。于是，在记分寄存器40中零售的购买记分被追踪并累计。
在本发明的一个实施例中，将智能卡4插入独立终端2后，使用购买日志24中的信息。如图7所示，在S22，将图3所示的购买日志26中的信息与图5所示的零售记分寄存器40中的信息进行比较。将与交易号30相关的零售商识别号32与记分寄存器40的零售商识别号42相比较。如果两者匹配，将购买日志24中的其他信息与已经在零售记分寄存器40中信息相比较。例如，在特定零售商的店或在有关的连锁店进行智能卡购买，仅对特定零售商记入记分寄存器40。如图7所示，仅当与那个零售相关的交易号30在购买日志24中找到，它大于零售记分寄存器40中的任何交易号44，此时在S23更新零售记分寄存器40。这就保证每次交易在零售记分寄存器40中只记录一次。
在本发明的一实施例中，比较和更新零售记分寄存器40到购买日志24的另一种方法是，将零售记分寄存器40中的所有交易号44与购买日志中的所有交易号相比较。这样，在购买日志中的所有交易被分析，在确定设置在智能卡的每个零售记分寄存器40是否有潜在的更新。于是，每个零售记分寄存器40用以前从购买日志24中未曾计及的交易来更新。
在本发明的一实施例中，因为零售记分寄存器40具有价值，本发明的具体实施例最好对写入零售记分寄存器提供安全存取方法。类似于零售交易，写入零售记分寄存器40需要智能卡4与独立终端2之间的交互作用。独立终端如图7所示在S21鉴别两边，所以它能安全地写一个数值到零售记分寄存器40中。此数值可以直接是购买的钱数，或者可以按某种算法改成高些或低些，来确定购买记分的值。另外，读取专门零售记分寄存器40中的余额是卡4的公开读。
在本发明的最佳实施例中，除了更新一个或多个零售记分寄存器，独立终端2能用于咨询专门零售记分寄存器或赎回购买记分。图8是一张流程图，说明对本发明的一个具体实施在客户咨询有关智能卡购买记分余额和赎回购买记分过程中的信息流。参照图8，在S30，智能卡被插入独立终端2，在S31鉴别此卡。消费者在S32选择选项，在S33显示专门的记分寄存器。消费者在S32能选择另外的选项，在S34显示为得到专门的零售商品或零售贷款需要的购买记分数。消费还可以选择在S35用购买记分兑换专门的商品或信贷。独立终端2然后在S36考虑兑换而更新专门的零售记分寄存器，并且在S37打印出用户可使用的奖券。奖券可以标准化以适应当前零售的奖券程序，例如在奖券上印上UPC码(条码)。零售商还能使用独立终端2输入一个码，为了完全的目的它可以经常改变并打印在奖券上。
在本发明一实施例中，作为一种变化，独立终端2可以仅有菜单选择能力，而不能输入数值，图9是说明本发明的最佳实施例独立终端2的菜单选择小键盘的示意图。参照图9，独立终端2可以具有上/下键50,52和Yes/No键54,56，类似市场上买得到的VERIFONE制造的终端。在此类变形中终端2的显示10能显示记分寄存器40的余额和赎回的选择。消费者利用上/下键50,52和Yes/No键54,56来挑选选项。
在本发明的一实施例中，另一种变型是独立终端2有能力在打印机14上为当地零售商打印出摘要信息。零售商利用记分程序和其他程序信息打印出日/周/月报表。这些报表在决算给客户的总记分点，赎回的总记分和类似的信息是十分有用的。作为另一种变型，记分程序28将记分寄存器40的更新报给独立终端2，独立终端2再将此更新上载到后台办公室的记分服务器中。
使用卡4上交易文件20的本发明的一个最佳实施例有一个限止，它不能从外面改变。因此，对所完成的交易必须列入卡4上的交易文件。交易信息的格式包括零售商识别符32，交易价值36和交易号30，这是关键特征之一。如VISA现金卡那样，卡4可以设置，如它可以完成32000笔交易，这是交易寄存器20的限止。此特殊的特性如对VISA现金卡是唯一的，所以若记分程序与特定的交易价值36，交易号30和零售商识别号32相关系，则就象VISA现金卡那样，记分程序的限止在卡4内部的内容。
在本发明的一实施例中，一个具有自己的寄存器的记分程序也能在拥有相应寄存器的卡4上运行，所以能具有多个零售商。卡4能插入如独立终端2那样的终端中，终端查阅交易记录26。终端2还查阅记分寄存器40，确定，是否与一个零售商或多个零售商对得起来，以便找出相应的零售商，并得在交易记录26中的交易号与该交易商的记录寄存器40中的交易号44进行比较。若交易记录26中的交易号30高于零售商记分寄存器40中任何一个交易号44，则确认完成新的交易，并将购买记分更新。若号是相同的，则认为没有新的交易，购买记分不更新。
在本发明的一实施例中，为了那样的记分程序与已存在的卡，如VISA现金卡的规则相一致，必须使用一个如独立终端那样的外部终端，分别存取VISA现金卡交易记录26和记分记录40，主要为了在外面完成比较并更新到卡4中。在这样的过程中，因为记分更新在卡4外进行，必须有一个安全机制，包括在终端2上的称为记分键的特殊键，为了在S21进行鉴别，如图7所示。记分键驻留在终端2上允许记分寄存器40的安全更新。没有这样的终端2上的记分键，任何人可以将卡4插入终端，或插入模拟终端的设备，任意地在卡上增加购买记分。
在本发明的另一个实施例中，作为在独立终端2记分的替代方法，记分的更新作为卡4本身的功能来完成。换言之，更新在内部实现，而不在独立终端2上完成，并能自动完成或用类似零售终端触发完成。零售终端也能要求卡4在动作以后发出一个应答，使零售终端能打印出完成的工作，或将数据用于中央处理系统。零售终端联机地或周期地将数据送回中央处理系统。在这样情况下，不需要独立终端2。这样更安全，因为记分更新在卡4上完成而不在外部独立的终端2上就消除了第3方截取终端与卡4之间交易信息的传输，从而消除了第3方窜改传输信息的机会。
图10是一张流程图，说明了按本发明另一种最佳实施例在类似零售终端那样的终端上自动更新智能卡记分寄存器过程中的信息流。因此，如图6的S10智能卡S13所示，当购买或存入交易信息在零售终端终端上完成，在卡4上另外的应用程序或记分程序自动地如图10所示在S40读取卡上交易日志26的信息；在S41自动地读取卡4上记分寄存器40的信息；在S42自动地将交易日志信息与记分寄存器信息比较。若在交易日志26中的交易号30大于记分寄存器40中的交易号44，卡4上的记分应用程序在S43对每次交易更新记分寄存器40。
在本发明的另一个实施例中，修改后卡的规则，如修改后VISA现金卡的规则，允许卡4上其他应用程序在只读的基础上内部存取卡的交易日志26，使得记分更新要完全地完成。在那样的修改规则下，记分应用程序与具有自动方式的零售商识别号驻留在卡4上，在每次卡交易结束时卡4作一次内部扫描审视交易记录26，然后扫描记分寄存器40，检查零售商识别号42的匹配。若认定匹配，新的交易被交易计数器识别，就发生记分更新。在此过程可以完全自动地进行，或者终端触用类似“完成记分更新并返回结果”的信息触发此过程。此过程是非常简单的操作，终端不外手接受命令，允许记分交易的更新返回到终端，并可选择地打印到发票上。那样的系统可以是先进的后台办公室系统的一部分。在这种情况，记分更新由终端捕促，并其后送到中央处理机。
在本发明的一个实施例中，无论用户使用VISA现金卡或信号用卡或任何其他种类的卡，只要有一个交易，并至少最近一次交易(如信用卡交易或借方交易)用卡4完成，就有一个寄存器永远保存最近一个用卡交易的痕迹。卡4储存最近一次交易或者它能储存多次交易，但本发明的最佳实施例为任何信用卡提供记分程序。无论消费者用消费者的信用卡的哪里购物，记分程序也适用，因为它能在独立的终端2上做，也能在卡4上用其他应用程或记分应用程序做。无论是信用卡或借方交易或使用如VISA现金卡那样储存价值卡的专门的卡，或者任何其他交易卡，可以使用同样的机构。
在本发明的另一个实施例中，零售终端的或家中PC终端用联机的主机完成付费交易的鉴别与交易，使得主机自动地计算购买记分，并在付费交易的过程中通过下无线装到智能卡上。在这种情况，记分程序实时驱动且/或从主机端控制，来维护数据库以及智能卡的同步工作。其他的最佳实施例从终端和/或智能卡驱动和/或控制，它们实时或批处理的提供数据库及智能卡同步工作。不必更新终端反智能卡的程序就能为更复杂的动态记分程序提供实时联线方法。
在本发明的一个实施例中，购买记分的赎回需要一类安全模式，类似于正常的购买交易。在那种交易中在与记分程序相关的卡4上以及在终端设备上有一个购买键值，使得卡能完全地和扣除货款。在产生购买记分的安全机构使用在终端上的通常命令作出购买记分的回报，或者卡上一个程序在每次交易后自动回报购买记分。
在本发明的一个实施例中，一个零售商可能希望运行特殊程序，例如若消费者在一于的某段时间(如2:00-4:00)使用卡4，在一星期的某一天回报消费者双份购买记分。为了实现此功能，因为终端记录零售商识别码42,2个字节的零售商识别码用于规定特定的更新类型。例如，无论是中央处理系统或零售商将零售商识别码的2个字节的变化远程或本地的送到终端上。当终端运行且发命令“做记分更新”，或当容易发生并且交易储存在卡4的交易记录26中，当卡上的记分应用程序审视零售商识别码42比较零售商识别码，利用该信息来调整如何把购买记分到卡上去，或者照实加，或者乘某个数，或者用其他方法来回报购买记录。
在本发明的一个实施例中，程序可以按单个零售商水平来运行，或者每个零售商作为一群零售商之一个来运行。为提高程序的市场可用性，作为一个可见的手段，单个零售记分程序使用预先印刷的卡4，卡上留有空间用于印刷零售商字样，出版者(如银行)的字样，或其他金融机构的字样。另外，印刷在卡4上的也包括所有使用卡必需的恰当的数据，如客户服务号，甚至照片。卡4也包括一个非印刷区，由卡的持有者或零售商标记个人信息。例如，零售商除了字样以外还能印刷附加的源识别标记。卡4出版后的印刷可用象染料凝华的标准印刷技术。出版后的印刷是相当廉价的，可使邻近的零售商参与记分程序。
在实现本发明的各种目标方面，已经描述了本发明的各种实施例。应该认识到，这些实施例仅仅是本发明本质的解释。在不离开本发明的精神和范围的基础上，对那些熟悉该行业的人来说，许多修改和适应性改变是容易明白的。因而，发明是由下面的专利范围所限制。

Claims (75)

1．一种对客户追踪智能卡零售记分程序信息的方法，其特征在于，包括以下步骤：
在智能卡微处理机上为客户储存至少与一零售商交易的记分程序信息；
在智能卡微处理机上为客户储存与所述零售商交易的交易信息；
将储存的交易信息与储存的记分程序信息进行比较；
自动识别储存的至少与零售商一次交易的交易信息，该信息在被储存的记分程序信息中被忽略。
用所述忽略的交易信息自动更新储存的记分程序信息。
2．如权利要求1所述的方法，其特征在于，储存记分程序信息的步骤进一步包括在终端上将记分程序应用加载到智能卡微机上的可编程储存器中。
3．如权利要求2所述的方法，其特征在于，加载记分程序应用的步骤进一步包括在终端上将客户信息输入到记分程序加载应用中。
4．如权利要求3所述的方法，其特征在于，终端包括一个零售终端。
5．如权利要求3所述的方法，其特征在于，终端包括一个独立终端。
6．如权利要求1所述的方法，其特征在于，存储记分程序信息的步骤进一步包括将信息存入智能卡微处理机的一个记分寄存器中。
7．如权利要求6所述的方法，其特征在于，储存信息的步骤进一步包括将信息储存到智能卡微处理机记分程序应用的记分寄存器中。
8．如权利要求7所述的方法，其特征在于，储存信息的步骤进一步包括将信息存储在加载到智能卡微处理机可编程存储器中的记分程序应用的记分寄存器中的信息。
9．如权利要求1所述的方法，其特征在于，记分程序信息包括与零售商有关的零售商识别号。
10．如权利要求1所述的方法，其特征在于，储存交易信息的步骤进一步包括将对客户的信息存入智能卡微处理机的交易日志中。
11．如权利要求10所述的方法，其特征在于，储存信息的步骤进一步包括储存交易日志的购买日志中的信息。
12．如权利要求1所述的方法，其特征在于，储存交易信息的步骤进一步包括对持有智能卡的客户在终端上完成零售交易。
13．如权利要求12所述的方法，其特征在于，完成零售交易的步骤进一步包括在智能卡微处理机上储存钱值应用程序和一个终端应用程序之间为客户传输代表钱值的信息。
14．如权利要求13所述的方法，其特征在于，传输信息的步骤进一步包括自动将为客户的传输登录到智能卡微处理机上的购买日志中。
15．如权利要求14所述的方法，其特征在于，终端包括一个零售终端。
16．如权利要求1所述的方法，其特征在于，交易信息包括对客户的零售交易相关的交易识别符。
17．如权利要求16所述的方法，其特征在于，交易识别符包括一个与零售交易相关的唯一的交易号。
18．如权利要求17所述的方法，其特征在于，交易识别符进一步包括与零售商相关的零售商识别号。
19．如权利要求17所述的方法，其特征在于，交易信息进一步包括零售交易的交易余额和交易日期。
20．如权利要求1所述的方法，其特征在于，比较步骤进一步包括借助于智能卡微处理机上的应用程序自动地将储存在智能卡微处理机的购买日志中的交易信息与储存在智能卡微处理机的记分寄存器的记分程序信息相比较。
21．如权利要求1所述的方法，其特征在于，比较步骤进一步包括自动地在终端上将储存在智能卡微处理机上购买日志中的交易信息与储存在智能卡微处理机上记分寄存器中的记分程序信息相比较。
22．如权利要求21所述的方法，其特征在于，终端包括一个零售终端。
23．如权利要求21所述的方法，其特征在于，终端包括一个独立终端。
24．如权利要求1所述的方法，其特征在于，自动识别步骤进一步包括借助在智能卡微处理机上的应用程序自动识别与交易信息相关的交易识别符，与所述交易信息相应的零售商识别符储存在记分程序信息中。
25．如权利要求1所述的方法，其特征在于，自动识别步骤进一步包括识别与交易信息相关的交易识别符，与所述交易信息相应的零售商识别符存储在记分程序信息中。
26．如权利要求25所述的方法，其特征在于，交易识别符包括一个唯一的与零售交易相关的交易号。
27．如权利要求26所述的方法，其特征在于，交易识别符进一步包括与零售商相关的零售商识别号。
28．如权利要求25所述的方法，其特征在于，自动识别步骤进一步包括在终端上自动地识别交易识别符。
29．如权利要求28所述的方法，其特征在于，所述终端包括一个零售终端。
30．如权利要求28所述的方法，其特征在于，所述终端包括一个独立终端。
31．如权利要求1所述的方法，其特征在于，自动更新步骤进一步包括借助于智能卡微处理机上的应用程序为客户储存在记分程序信息中忽略的交易信息。
32．如权利要求1所述的方法，其特征在于，自动更新步骤进一步包括为客户储存记分程序信息中忽略的交易信息。
33．如权利要求32所述的方法，其特征在于，被忽略的交易信息包括一个与零售交易相关的唯一交易号。
34．如权利要求33所述的方法，其特征在于，被忽略的交易信息进一步包括一个与零售商相关的零售商识别号。
35．如权利要求34所述的方法，其特征在于，储存被忽略的交易信息的步骤进一步包括在终端上为用户将被忽略的信息存入智能卡微处理机上的记分寄存器中。
36．如权利要求35所述的方法，其特征在于，所述终端包括一个零售终端。
37．如权利要求35所述的方法，其特征在于，所述终端包括一个独立终端。
38．如权利要求35所述的方法，其特征在于，进一步包括在与终端相连的打印机上为零售商自动打印更新的记分程序信息的摘要报表。
39．如权利要求35所述的方法，其特征在于，进一步包括自动由终端将更新的记分程序信息上载到后台办公室的记分服务器中。
40．如权利要求1所述的方法，其特征在于，储存交易信息的步骤进一步包括为客户储存以升序排列的多个唯一的交易号，其中每一个交易号与多个零售交易中的一个相联系。
41．如权利要求40所述的方法，其特征在于，储存多个交易号的步骤进一步包括在终端上将此号储存在智能卡的购买日志中。
42．如权利要求41所述的方法，其特征在于，终端包括一个零售终端。
43．如权利要求42所述的方法，其特征在于，储存的记分程序信息至少包括一个唯一的交易号。
44．如权利要求43所述的方法，识别步骤进一步包括至少识别一个与交易信息存在一起的交易号，它在数值上大于与记分程序信息存在一起的交易号。
45．如权利要求44所述的方法，其特征在于，识别至少一个交易号的步骤进一步包括在终端上识别所述交易号。
46．如权利要求45所述的方法，其特征在于，所述终端包括一个零售终端。
47．如权利要求45所述的方法，其特征在于，所述终端包括一个独立终端。
48．如权利要求1所述的方法。其特征在于，储存的记分程序信息包括存在智能卡微处理机上记分程序寄存器中的代表累计购买记分之余额的信息。
49．如权利要求48所述的方法，其特征在于，进一步包括在终端上由客户访问智能卡记分寄存器上的余额信息。
50．如权利要求49所述的方法，其特征在于，终端包括一个零售终端。
51．如权利要求49所述的方法，其特征在于，终端包括一个独立终端。
52．如权利要求49所述的方法，其特征在于，访问余额信息的步骤进一步包括在与终端相联的显示屏上为客户显示余额信息。
53．如权利要求52所述的方法，其特征在于，进一步包括在屏幕上为客户显示赎回至少一些积累的购买记分的信息。
54．如权利要求53所述的方法，其特征在于，进一步包括在与终端相联的输入设备上客户输入赎回一些积累的购买记分的请求。
55．如权利要求54所述的方法，其特征在于，进一步包括为客户自动地用赎回购买记分的信息更新余额信息。
56．如权利要求55所述的方法，其特征在于，进一步包括在与终端相联的打印机上为客户自动打印出表示赎回购买记分之赎回值的赎回奖券。
57．一种为客户追踪智能卡零售记分程序信息的系统，其特征在于，包括：
在智能卡微处理机上为客户储存至少与一个零售商的交易相关的记分程序信息的装置；
在智能卡微处理机上为客户储存与所述零售商的交易有关的交易信息的装置；
与交易信息存储装置及记分程序信息存储装置相联系的装置，用于将储存的交易信息与储存的记分程序信息相比较；
与比较装置相关联的装置，用于自动地识别储存的至少一次与零售商交易的交易信息，其中与交易相关的记分程序信息从储存的记分程序信息中被忽略；
与识别装置及记分程序信息储存装置相关联的装置，用于自动用被忽略的交易信息更新储存的记分程序信息。
58．如权利要求57所述的系统，其特征在于，交易信息储存装置包括在智能卡微处理机上的一个交易日志。
59．如权利要求58所述的系统，其特征在于，交易日志包括一个在智能卡微处理机上的购买日志。
60．如权利要求57所述的系统，其特征在于，交易储存装置进一步包括在终端上与交易日志通信的零售应用程序。
61．如权利要求60所述的系统，其特征在于，终端包括一个零售终端。
62．如权利要求57所述的系统，其特征在于，记分程序信息储存装置包括在智能卡微处理机上的记分寄存器。
63．如权利要求62所述的系统，其特征在于，记分程序信息储存装置进一步包括一个在智能卡微处理机上的零售记分程序应用。
64．如权利要求63所述的系统，其特征在于，零售记分程序应用驻留在智能卡微处理机上的交易日志上。
65．如权利要求64所述的系统，其特征在于，零售记分程序信息储存装置进一步包括一个终端。
66．如权利要求65所述的系统，其特征在于，终端包括一个零售终端。
67．如权利要求65所述的系统，其特征在于，终端包括一个独立的终端。
68．如权利要求57所述的系统，其特征在于，比较装置包括一个在智能卡微处理机上的应用程序。
69．如权利要求57所述的系统，其特征在于，比较装置包括一个终端。
70．如权利要求69所述的系统，其特征在于，终端包括一个零售终端。
71．如权利要求69所述的系统，其特征在于，终端包括一个独立终端。
72．如权利要求57所述的系统，其特征在于，更新装置包括在智能卡微处理机上的应用程序。
73．如权利要求57所述的系统，其特征在于，更新装置包括一个终端。
74．如权利要求73所述的系统，其特征在于，终端包括一个零售终端。
75．如权利要求73所述的系统，其特征在于，终端包括一个独立终端。
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