DE102011016821A1 - Electronic debit card e.g. discount card, for e.g. electronic authentication of customers, is virtualized in form of chip card, represented on mobile terminal, read and verified by mobile terminal of dealer and/or service provider - Google Patents

Electronic debit card e.g. discount card, for e.g. electronic authentication of customers, is virtualized in form of chip card, represented on mobile terminal, read and verified by mobile terminal of dealer and/or service provider Download PDF

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Publication number
DE102011016821A1
DE102011016821A1 DE201110016821 DE102011016821A DE102011016821A1 DE 102011016821 A1 DE102011016821 A1 DE 102011016821A1 DE 201110016821 DE201110016821 DE 201110016821 DE 102011016821 A DE102011016821 A DE 102011016821A DE 102011016821 A1 DE102011016821 A1 DE 102011016821A1
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Germany
Prior art keywords
card
mobile terminal
customer
electronic
dealer
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DE201110016821
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German (de)
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wird später genannt werden Erfinder
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Individual
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Individual
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Priority to DE201110016821 priority Critical patent/DE102011016821A1/en
Publication of DE102011016821A1 publication Critical patent/DE102011016821A1/en
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Classifications

    • 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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0233—Method of redeeming a frequent usage reward
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0229—Multi-merchant loyalty card systems
    • 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
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0236—Incentive or reward received by requiring registration or ID from user

Abstract

The card is virtualized in form of a chip card by using a two dimensional (2D)-code i.e. quick response (QR)-code. The card is represented on a mobile terminal e.g. smart phone and mobile phone, of a customer. The card is read and verified by the mobile terminal of a dealer and/or a service provider. The 2D code is downloaded via an Internet connection available in the mobile terminal and sent via a multimedia messaging service (MMS). The 2D-code is photographed and evaluated by the mobile terminal.

Description

Kundenkarten, insb. in der Form von Rabattkarten oder Clubkarten, erfahren zunehmende Anwendung als Instrument der Kundenbindung. Kundenkarten werden hierbei üblicherweise realisiert als Chip-Karten. Das Verifizieren der Kundenkarte erfolgt üblicherweise über spezielle Lesegeräte, beispielsweise sog. Charge-Couple-Devices (CCD). Das Kundenkartensystem erfasst alle Kaufvorgänge des Kunden und gewährt allgemeine sowie vom Kaufverhalten des Kunden abhängige Vergünstigungen (Rabattkarte) oder Zugang zu nicht öffentlich zugänglichen Leistungen (Clubkarte)1

1
Canadi, M., Höpken, W., Fuchs, M. (2011). Virtualisation of Customer Cards with 2D Codes. In: Law, R., Fuchs, M., Ricci, F. (eds.): Information and Communication Technologies in Tourism. Springer, Wien, pp. 215–227.
.Customer cards, especially in the form of discount cards or club cards, are increasingly being used as an instrument of customer loyalty. Customer cards are usually realized as chip cards. The customer card is usually verified by means of special readers, for example so-called charge-couple devices (CCD). The loyalty card system covers all purchase transactions of the customer and grants general as well as the purchase behavior of the customer dependent advantages (discount card) or access to not publicly accessible achievements (club card) 1
1
Canadi, M., Höpken, W., Fuchs, M. (2011). Virtualization of Customer Cards with 2D Codes. In: Law, R., Fuchs, M., Ricci, F. (eds.): Information and Communication Technologies in Tourism. Springer, Vienna, pp. 215-227.
,

Wesentliche Probleme herkömmlicher Kundenkartensysteme bestehen einerseits in dem hohen finanziellen und technischen Aufwand zur Ausrüstung aller Verkaufsstellen mit geeigneten Lesegeräten zur Authentifizierung der Kundenkarten und andererseits in der Koexistenz einer Vielzahl von Kundenkartensystemen mit unterschiedlichen physikalischen Kundenkarten, die vom Kunden mitgeführt werden müssen.Significant problems of conventional loyalty card systems exist on the one hand in the high financial and technical effort to equip all outlets with suitable readers for authentication of loyalty cards and on the other hand in the coexistence of a variety of loyalty card systems with different physical loyalty cards, which must be carried by the customer.

Diese Probleme werden durch die im Patentanspruch aufgeführten Merkmale, d. h. die Virtualisierung der Kundenkarte auf Basis von 2D-Codes2

2
Lenk, B. (2003). Handbuch der automatischen Identifikation: ID-Techniken, 3D Codes, 2D Codes, 3D Codes. Vol. 1, Monika-Lenk Fachbuchverlag, Kirchheim unter Teck.
(bzw. QR-Codes3
3
Soon, T. J. (2008). The Synthesis Journal: Section three – the QR Code. iTSC Information Thechnology Standard Comitee, Singapore, pp. 59–78.
) dargestellt auf dem mobilen Endgerät des Kunden und eingelesen und authentifiziert durch das mobile Endgerät des Händlers bzw. Dienstleisters, gelöst.These problems are due to the features listed in the claim, ie the virtualization of the customer card based on 2D codes 2
2
Lenk, B. (2003). Manual of automatic identification: ID techniques, 3D codes, 2D codes, 3D codes. Vol. 1, Monika-Lenk Fachbuchverlag, Kirchheim unter Teck.
(or QR codes 3
3
Soon, TJ (2008). The Synthesis Journal: Section Three - The QR Code. iTSC Information Thechnology Standard Committee, Singapore, pp. 59-78.
) displayed on the mobile terminal of the customer and read and authenticated by the mobile terminal of the dealer or service provider, solved.

Die virtuelle Kundenkarte wird in Form eines 2D-Codes dem Kunden auf seinem mobilen Endgerät bereitgestellt (mittels Download des 2D-Codes über eine Internetverbindung oder Versandt des 2D-Codes via MMS) und mit dem mobilen Endgerät des Händlers bzw. Dienstleisters erfasst (fotografiert) und ausgewertet. Der Einsatz üblicherweise bereits vorhandener mobiler Endgeräte in Form von Mobiltelefonen oder Smart Phones macht jegliche Hardware-Investitionen sowohl für die Kundenkarte als auch zugehörige Lesegeräte überflüssig. Die Mitführung der Kundenkarte durch den Kunden erfolgt über das ohnehin üblicherweise überall und jederzeit mitgeführte Mobiltelefon oder Smart Phone. Existierende Barrieren sowohl aus Kunden- als auch aus Händlersicht entfallen somit durch die Erfindung der virtuellen Kundenkarte auf Basis von 2D-Codes. Die heute üblicherweise auf Mobiltelefonen und Smart-Phones verfügbare Internetverbindung ermöglich darüber hinaus die Umsetzung eines flexiblen und dynamischen Kundenkartensystems in Form sich dynamisch adaptierender Vergünstigungen und Nutzungsbedingungen. Der Einsatz mobiler Endgeräte zur Authentifizierung der Kundenkarten ermöglicht darüber hinaus naturbedingt auch die Einbindung mobiler Verkaufsstellen in ein Kundenkartensystem.The virtual customer card is provided in the form of a 2D code to the customer on his mobile device (by downloading the 2D code via an Internet connection or sending the 2D code via MMS) and recorded (photographed) with the mobile device of the merchant or service provider. and evaluated. The use of usually existing mobile terminals in the form of mobile phones or smart phones makes any hardware investments for both the customer card and associated readers superfluous. The customer card is carried along by the customer via the mobile phone or smart phone, which in any case is usually carried anywhere and at any time. Existing barriers from both the customer and the merchant perspective are therefore eliminated by the invention of the virtual customer card based on 2D codes. The Internet connection commonly available today on mobile phones and smartphones also enables the implementation of a flexible and dynamic loyalty card system in the form of dynamically adapting benefits and conditions of use. In addition, the use of mobile devices to authenticate customer cards also makes it possible, by nature, to integrate mobile outlets into a loyalty card system.

Claims (2)

Elektronische Kundenkarte als Instrument der Kundenbindung zur elektronischen Authentifizierung des Kunden, Registrierung von Kaufvorgängen und Gewährung von finanziellen Vergünstigungen oder nicht frei zugänglichen Leistungen, dadurch gekennzeichnet, dass Kundenkarten, herkömmlicherweise bereitgestellt in Form einer Chip-Karte, virtualisiert werden durch die Verwendung von 2D-Codes dargestellt auf dem mobilen Endgerät des Kunden (Smart Phone oder Mobiltelefon) sowie eingelesen und verifiziert durch das mobile Endgerät des Händlers bzw. Dienstleisters.Electronic loyalty card as a means of customer loyalty for electronic authentication of the customer, registration of purchase transactions and granting financial benefits or not freely available services, characterized in that customer cards, conventionally provided in the form of a chip card, virtualized by the use of 2D codes shown on the mobile terminal of the customer (smart phone or mobile phone) and read and verified by the mobile terminal of the dealer or service provider. Elektronische Kundenkarte nach Patentanspruch 1, dadurch gekennzeichnet, dass die „virtuelle Kundenkarte” durch die Verwendung von QR-Codes als spezielle Form von 2D-Codes realisiert wird.Electronic customer card according to claim 1, characterized in that the "virtual customer card" is realized by the use of QR codes as a special form of 2D codes.
DE201110016821 2011-04-12 2011-04-12 Electronic debit card e.g. discount card, for e.g. electronic authentication of customers, is virtualized in form of chip card, represented on mobile terminal, read and verified by mobile terminal of dealer and/or service provider Withdrawn DE102011016821A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
DE201110016821 DE102011016821A1 (en) 2011-04-12 2011-04-12 Electronic debit card e.g. discount card, for e.g. electronic authentication of customers, is virtualized in form of chip card, represented on mobile terminal, read and verified by mobile terminal of dealer and/or service provider

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Application Number Priority Date Filing Date Title
DE201110016821 DE102011016821A1 (en) 2011-04-12 2011-04-12 Electronic debit card e.g. discount card, for e.g. electronic authentication of customers, is virtualized in form of chip card, represented on mobile terminal, read and verified by mobile terminal of dealer and/or service provider

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DE102011016821A1 true DE102011016821A1 (en) 2012-10-18

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2814231A1 (en) * 2013-06-13 2014-12-17 BlackBerry Limited Mobile wireless communications device having digital wallet with multi-mode user card and related methods
US11037137B2 (en) 2013-06-13 2021-06-15 Blackberry Limited Mobile wireless communications device having digital wallet with multi-mode user card and related methods
US11562343B2 (en) 2013-06-13 2023-01-24 Blackberry Limited Communication system with digital wallet having blank user card and related methods

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2814231A1 (en) * 2013-06-13 2014-12-17 BlackBerry Limited Mobile wireless communications device having digital wallet with multi-mode user card and related methods
US11037137B2 (en) 2013-06-13 2021-06-15 Blackberry Limited Mobile wireless communications device having digital wallet with multi-mode user card and related methods
US11562343B2 (en) 2013-06-13 2023-01-24 Blackberry Limited Communication system with digital wallet having blank user card and related methods

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