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
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
• • 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
  • G06Q30/0201—Market modelling; Market analysis; Collecting market data
  • G06Q30/0203—Market surveys; Market polls

Definitions

• the present invention relates to a method of acquiring data from a user during a card payment with a payment terminal and a computer program product for implementing the method.
• the latter can send an e-mail to the merchant. buyer some time after purchase to encourage him to complete an online questionnaire on his satisfaction with the purchase.
• Another way is to encourage buyers to leave ratings on specialized sites, assessments that will be freely available to other users of the site. For example, there are sites that list the restaurants in a city or region and that offer in addition to a fact sheet restaurants and, possibly comments by site managers, a forum area where consumers can leave comments related to the restaurant (s) listed.
• This type of comment may be accompanied by a sort of consolidated classification composed of the average of a rating given by the different users.
• a method of acquiring data from a user during a payment by card with a payment terminal comprises:
• This method advantageously allows to collect a reliable opinion of customers in that it is acquired in a systematic and fast and without the merchant can easily intervene to change the vote.
• the payment transaction is a smart card payment transaction, it includes a validation step based on the presence of the card.
• the acquisition request and its presentation on the screen of the payment terminal are personalized by the consolidation server and then transmitted by the consolidation server to the payment terminal.
• the transmission of the data from the terminal to the consolidation server is deemed completed by the terminal upon receipt of a response message sent by the consolidation server, said message being sent by the server before validation by the server of the data. .
• the customization takes into account non-identifying parameters associated with the user from the consolidation server or the user's card.
• the acquisition request is adapted to collect a plurality of data consecutively.
• the payment terminal comprising an interpreter of a sequence of instructions for displaying the acquisition request or a plurality of acquisition requests on the terminal and collecting the data or the plurality of data, said interpreter blocks the Jump back instructions and limit the execution time so that no sequence of instructions can lead to an unfinished execution over time.
• the interpreter forbids the entry of more NP data, with P greater than or equal to 1, so as to prevent a sequence of instructions maliciously loaded into the terminal may lead the user to enter the secret code of the bank card.
• the consolidation server associates the acquired data with non-identifying data and qualifying the user via the acquisition time of the acquired data.
• a computer program product includes program code instructions recorded on a medium readable by a payment terminal type mobile device calculator for implementing the steps of a method. previous.
• a statistical information collection system comprises a consolidation server.
• the consolidation server is connected to one or more payment terminals performing a plurality of payment transactions, and comprises:
• a calculator of an interrogation plan for the plurality of payment terminals the said plan defining for each payment transaction a subset of the list of questions;
• Communication interfaces with each payment terminal for transmitting to each terminal the subsets of questions in the form of acquisition requests and for collecting data corresponding to the questions assigned to this terminal, the terminal or terminals being adapted to implement implement the acquisition method described above;
• FIG. 1 is a schematic view of an acquisition system according to one embodiment of the invention.
• FIGS. 2 and 3 are a flow diagram of an acquisition method according to one embodiment of the invention.
• FIG. 4 is a flow diagram of a variant of the method of FIG. 2;
• FIG. 5 is a flow diagram of a consolidation method according to one embodiment of the invention.
• FIG. 6 is a partial illustration of the operation of instructions of a virtual machine on a payment terminal according to one embodiment of the invention.
• FIG. 7 is a schematic view of certain aspects of a communication protocol according to one embodiment of the invention.
• a payment terminal 1 comprises a connection support 3 of a smart card 5, a screen 7 and a keyboard 9 as well as means 11 of communication to a data network 13. All these elements can be linked in a one-piece terminal, or can be separated or duplicated; for example there may be several keyboards and several screens.
• the payment terminal 1 is connected to a payment server 15, to a consolidation server 17 and to a remote maintenance server 19.
• the smart card 5, the payment terminal 1 and the payment server 15 are preferably in accordance with the latest standard in force, for example standard EMV (Eurocard / Mastercard / Visa) 4.2 available for download on the site .
• the payment server is, for example, a secure server managed by a banking or financial institution.
• the maintenance server and the consolidation server are server-type computer machines.
• a maintenance server is managed by an IT service company in charge of terminal maintenance.
• the consolidation server allows the preparation of the question campaigns, the collection and the statistical consolidation of the answers. It is used, for example, by a marketing service company, a specialist in satisfaction analysis campaigns or by a merchant wishing to constantly know the satisfaction of his customers on the service rendered.
• step 2 The questions to be asked following one or more survey campaigns are defined and stored in step 2 in the consolidation server 17, this server has a calculator which defines in step 4, for each terminal and each client, the question or subset of questions that will be asked to the customer based on parameters such as date, time, client's order number.
• This question plan is transmitted to step 8, through the interface 6 to the network 13, then to step 10 to the payment terminals concerned.
• the terminals return the responses in step 12 to the network 13. In step 14 these responses are returned to the consolidation server 17.
• This server has a statistical calculator which establishes in step 16 the results of the all surveys based on responses received from payment terminals, and presents the full results of the investigations at Step 18.
• FIG. 2 is a flow chart of an embodiment of an acquisition method using the means described with reference to FIG. 1.
• each means performing a step is indicated on a line at the top. of the figure, the steps performed by a given means being located vertically thereto, the system comprising in particular the different servers of FIG. 1.
• the data acquisition method comprises:
• step 20 of payment following the agreement given by the card 5, step 22.
• This corresponds, for example, to the step "10.1 1 Completion" of the EMV 4.2 standard; this is often translated by a "Payment accepted” message on the display screen of the terminal; in other cases, for example in the case of a track map, the agreement can be given by the system; • start of the acquisition transaction, step 24;
• step 26 of a request for the acquisition of personalized data on the screen 7 of the payment terminal
• step 32 the data
• step 34 of the data by the payment terminal to the consolidation server 17 and 3. presentation, step 36, to the user of an end-of-validation message, which may be the authorization removal of the card on the screen 7 of the terminal in the case of a smart card;
• step 38 4. recording, step 38, of the failure; 5. transmission, step 40, of the failure by the payment terminal to the consolidation server 17 and
• step 42 to the user an authorization message to remove the card on the screen 7 of the terminal in the case of a smart card;
• the acquisition step 28 includes a maximum duration for entering the data. Beyond this duration, the data is considered invalid and the terminal will be able to end the session. This is particularly advantageous in the context of a payment. Indeed, at this moment, both the customer and the merchant want the whole transaction to proceed quickly. However, not giving maximum duration to the entry could block the terminal in input waiting mode. In addition, this can also leave an opportunity to give a false answer by allowing for example the trader to recover the terminal and respond himself to the the question.
• a maximum duration of a few seconds, for example between 5 and 10 seconds is a good compromise to allow the reading time and assimilation of the question and then entering the response almost spontaneously.
• the duration of entry can be limited by the mandatory presence of the card in the payment terminal. Indeed, as long as the card is present in the terminal, it is reasonable to make the assumption that the customer is still in possession or near the terminal.
• all acquisition steps is advantageously carried out between these two messages.
• the described method may advantageously be implemented in the form of a computer program product, for example a script, formed of instructions.
• This computer program product is then installed in the control means of the payment terminal to control the various means of the payment terminal in the execution of the described method.
• the consolidation server also comprises a computer program product for firstly preparing and sending the questions to the payment terminals, and secondly collecting the information sent by the terminals, transmitting them or summarizing them. This summary can then be presented to consumers in the form of a merchant rating and comparison website.
• the data acquisition request may take the form of a custom question.
• the customization is done through the consolidation server according to the requests received by this server.
• the question itself can thus vary according to the time, the place, the trade itself, or other parameters.
• Other messages that appear on the screen as well as the display can also be customized and are a customization of the acquisition request.
• the acquisition request can advantageously take into account the purchases made by the client, and known to the consolidation server, to customize the question to ask.
• the validation of the data makes it possible to ensure with a sufficient degree of confidence that the data has been entered by the client, in order to have sufficiently reliable data.
• This limitation could also prevent several inquiries at the same time from different people or companies.
• To eliminate this limitation and to obtain results having statistically the same qualities as the "classic" campaigns it is proposed to use the statistical law of large numbers thus making it possible to obtain statistically valid results to know the evolution of the opinion users, or compare the opinion of these users, for example on the services provided by different businesses but the comparable activity, or the opinion of users on the service rendered at different periods of time, for example in the morning and in the afternoon, or during the week and during the weekend.
• a T1 terminal asks a question 30 times to its customers for a day, gets an average score of 5 for this question, and also asks 470 customers more questions in the same day. So the average 30 marks are representative of 500 users;
• a T2 terminal asks customers 30 times the same question for one day, gets an average rating of 3, and otherwise has no other customer;
• the average 5 obtained by a sample of 30 questions on the terminal T1 is then representative of the opinion of 500 clients;
• the average 3 obtained by a sample of 30 questions on the terminal T2 is then representative of the opinion of 30 customers.
• the average representative of the opinion of the 530 customers can not be calculated by averaging 3 and 5, even if the representative samples are of the same size.
• the said average must be calculated by weighting according to the population represented by each separate average. In this case, (5 * 500 + 3 * 30) / 530, or about 4.89.
• the method comprises:
• the method makes it possible to collect the client's opinion on a sequence of questions, rather than on a single question, in the same context of the payment terminal.
• certain contexts of use of the payment terminals make it possible to request the user's opinion not only on a question, but on such a sequence of questions. These contexts include cases where the context allows, elicits, or requires prolonged interaction with the client.
• the person who orders such an inquiry usually seeks to ask different questions to the client, not only external criteria such as date, time, language, but also according to its answers to previous questions.
• this data can be obtained from the data present in the payment card of the user.
• the language in which a question is presented is usually the usual language of the country where the terminal is operated.
• non-identifying data include: language (to adjust the language in which the question is expressed), sex (for grammar chords), etc.
• the method comprises:
• FIG. 4 is a flowchart of an embodiment of the above acquisition method using the means described with reference to FIG. 1. It is therefore a variant of the method described in connection with FIG.
• each means performing a step is indicated on a line at the top of the figure, the steps performed by a given means being vertical to it.
• Steps 24, 26, 28, 30, 36, and A are identical to those of FIG. 2.
• Step 20 is replaced by step 21.
• Step 32 is replaced by steps 31, 33 and 35.
• Step 34 is renumbered in step 37.
• step 21 • End of transaction and transfer of anonymous information on the bearer, step 21; • Selection of the question to be asked, step 25, according to the programming desired by the person requesting the survey, and, according to this programming, taking into account external parameters (date, time, client rank, language spoken by the client ), and, if it is not the first question, taking into account internal parameters (such as the history of the list of questions, the time spent answering this list, the previous votes in the list of questions);
• step 33 according to the programming desired by the person requesting the investigation, of the existence of another question to ask;
• Vote feedback to the consolidation server.
• the answers are time stamped, it also allows to reconcile the answers of other information, anonymous as purchases made, or not anonymous as the buyer's details.
• FIG. 5 is a flowchart of an embodiment of a data reconciliation method that can remain anonymous and allow for further investigation. To allow a visualization of the different flows, each means performing a step is indicated on a line at the top of the figure, the steps performed by a given means being vertical to it, the system comprising in particular the various servers of the Figure 1.
• the data reconciliation process includes:
• step 46 Extracting, step 46, the timestamped voting data from the feedback of votes after step 34 in Figure 2 or step 37 in Figure 4;
• step 52 Sorting the data to be reconciled by increasing date, step 52; • Check the concordance of the hours, and adjustment of the hours if necessary according to the differences of setting of the clocks of the different computers, step 54; and
• step 56 Pairing of data having the same timestamp after adjustment, step 56.
• servers conventionally the terminal maintenance servers, are adapted to that they proceed to the installation of the corresponding program on the payment terminal. These operations can be done in some cases during remote maintenance and upgrade of the payment terminal software.
• the technical computer processes suitable for ensuring the communication between the consolidation server and the terminals to enable operation for the method described above on the terminal must take into account the following parameters;
• the terminals are geographically dispersed.
• Terminals must remain available given the essential nature of the payment for a business; • The security of data and programs used for the payment transaction must not be compromised;
• the number of terminals to be served by a consolidation server is greater than the number of terminals served by a payment system, since the voting application can be installed on all terminals, regardless of the electronic payment system.
• the state of the art for carrying out the portion of software residing on the terminal and in charge of executing the sequence of questions consists of the realization of an interpreter of a scripting language, or of a virtual machine executing a sequence of instructions obtained by pre-compilation. These two approaches, in their generality, do not guarantee the termination of execution, nor the absence of "phishing". In fact, if a terminal incorporates a general script interpreter, or a virtual machine interpreting a general programming language, it is possible:
• the number of terminals to be served by a consolidation server for voting may be greater than the number of terminals served by a payment system, since the voting application can be installed on all terminals, regardless of the associated electronic payment system; • The statistical and purely informational nature of the votes does not require a total reliability of the transmission; and
• the payment terminal advantageously comprises:
• a virtual machine capable of interpreting a sequence of instructions, each instruction being characterized by For example, by a tag and containing, for example, a test and an operation: o
• the test is limited to simple tests, for example, the verification of Boolean values or the comparison of two values; these values can be constants, or taken from a limited list of external data such as time, date, language; if the test fails, the operation is not executed, the next operation is considered; o Operations are limited to: o A screen display operation specified in the instruction and data collection ,; o A jump operation, allowing you to skip a positive number of instructions. This number can only be positive, forbidding to go back in the sequence; o Various operations of manipulation of values: increment, change of value of boolean, copy.
• a separate module of the virtual machine, and invoked by the display and collection instruction of this virtual machine performs the screen display operation and collection of a single data instructions.
• the ability of the consolidation server to configure the execution of this module is constrained by its separation from the virtual machine: o
• the module can only collect data where this data has only one number or character;
• a variant of this approach is to allow the execution of dynamic sequences of questions to collect a plurality of data, only after the withdrawal of the card, so as to clearly indicate to the user that the context is no longer a context of payment and use of the card.
• Figure 6 illustrates some selected steps of an instruction sequence.
• the test if successful, leads the interpreter to directly consider the third step, ignoring step 62. If the test of step 61 fails, then the operation of step 62 is executed. This operation includes a separate module call for screen display and data capture. The display of the screen and the capture of the vote are not allowed directly from the interpreter, making it possible not to accept sequences of instructions realizing displays and uncontrolled captures.
• An instruction hop such as that possibly performed from step 61 to step 63, is only allowed "forward" thus guaranteeing the termination of any finite sequence of instructions.
• the data transmission protocol has the following characteristics:
• a standard exchange between a terminal and the consolidation server is limited to the following exchanges ( Figure 7a): o A request for connection establishment by the terminal and acceptance by the consolidation server. This exchange is limited to establishing exchange parameters. o A request message by the terminal, message that includes the transmission of voting results to the server. o A response message by the server, message that includes a new programming of the terminal, if necessary. o A request to release the connection by the terminal, followed by an acceptance by the server. • In case of failure during a call, the terminal simply repeats its attempt, for example at regular intervals as indicated by the parameter "Duration Between Tests" in Figure 7c, or until the call succeeds. up to a predefined number of calls (parameter “Number of Tests" in Figure 7c).
• the standard exchanges are repeated, for example at regular intervals determined by a number of days between two standard exchanges ("CallList" in FIG. 7b) and the scheduled time for such an exchange ("CallTime” in FIG. 7b). ).
• the consolidation server continues to guarantee the statistical validity of the results, compensating for the possible loss of results as follows: o Votes are not taken into account in the calculation of means, standard deviation, or other statistical values; o Voting transactions are not counted in the number of transactions used to calculate averages, standard deviations, or other statistical values.
• the protocol described above therefore optimizes the processing time of each request to increase the number of terminals served efficiently by the consolidation server. This optimization is done at the risk of data loss. However, this loss of data does not result in the statistical invalidation of the results that take into account all the data.
• the invention has been illustrated and described in detail in the drawings and the foregoing description. This must be considered as illustrative and given by way of example and not as limiting the invention to this description alone. Many alternative embodiments are possible.
• the payment server, the consolidation server and the terminal maintenance server can be grouped into two or even the same machine, unlike the different functions of the payment terminal, data processing, display, keyboard, interface , can be dissociated in separate devices, as well as the different functions of the consolidation server. Many other embodiments are possible.

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• 2009
  • 2009-06-05 FR FR0902715A patent/FR2946445B1/fr active Active
• 2010
  • 2010-06-07 BR BRPI1011078A patent/BRPI1011078A2/pt not_active IP Right Cessation
  • 2010-06-07 EP EP10737956A patent/EP2438564A1/de not_active Withdrawn
  • 2010-06-07 US US13/322,770 patent/US8510193B2/en not_active Expired - Fee Related
  • 2010-06-07 CN CN2010800249391A patent/CN102460492A/zh active Pending
  • 2010-06-07 WO PCT/FR2010/051122 patent/WO2010139915A1/fr active Application Filing
  • 2010-06-07 AU AU2010255590A patent/AU2010255590A1/en not_active Abandoned
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