FR2896065A1 - Secured discount coupons managing method for e.g. merchant, involves attributing benefit to coupon bearer when encrypted information printing zone is unmasked, and to donee organization relative to identifier when another zone is unmasked - Google Patents

Secured discount coupons managing method for e.g. merchant, involves attributing benefit to coupon bearer when encrypted information printing zone is unmasked, and to donee organization relative to identifier when another zone is unmasked Download PDF

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Publication number
FR2896065A1
FR2896065A1 FR0600146A FR0600146A FR2896065A1 FR 2896065 A1 FR2896065 A1 FR 2896065A1 FR 0600146 A FR0600146 A FR 0600146A FR 0600146 A FR0600146 A FR 0600146A FR 2896065 A1 FR2896065 A1 FR 2896065A1
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France
Prior art keywords
identifier
unmasked
zone
code
coupon
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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.)
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FR0600146A
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French (fr)
Inventor
Christophe Magnon
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AKATOA SOC PAR ACTIONS SIMPLIF
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AKATOA SOC PAR ACTIONS SIMPLIF
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Priority to FR0600146A priority Critical patent/FR2896065A1/en
Publication of FR2896065A1 publication Critical patent/FR2896065A1/en
Withdrawn legal-status Critical Current

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    • 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
    • G06Q20/387—Payment using discounts or coupons
    • 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q30/0279—Fundraising management
    • 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
    • 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
    • G07F7/025—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 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

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

Abstract

The method involves fabricating coupons constituted by a physical medium with encrypted information printing zones (2, 3) by printing information specific to cards and covering the zones by an opaque cover. A benefit e.g. discount, is attributed to a bearer during presentation of the coupon after removing cover of one zone, and printing on another zone is controlled with a code calculated from an identifier of a donee organization e.g. aid. The benefit is attributed to the bearer if the latter zone is unmasked, and to the organization relative to the identifier if the former zone is unmasked. An independent claim is also included for a discount card for implementing a method for managing discount coupons.

Description

1 PROCEDE DE GESTION DE COUPONS DE REMISE1 METHOD OF MANAGING DISCOUNT COUPONS

La présente invention concerne le domaine des coupons 5 de remise.  The present invention relates to the field of discount coupons.

Il est connu dans l'état de la technique d'éditer des coupons de remise sécurisés, présentant une zone démasquable, par exemple par grattage d'une substance 10 opaque.  It is known in the state of the art to publish secure discount coupons having an unmeasurable area, for example by scraping an opaque substance.

Le coupon comporte sous la zone masquée une information sécurisée qui, lors de la présentation à l'émetteur du coupon, donne droit au porteur du coupon à un 15 avantage, par exemple une remise sur un achat.  The coupon includes under the masked area secure information which, upon presentation to the coupon issuer, entitles the coupon holder to a benefit, such as a discount on a purchase.

Les coupons selon l'état de la technique sont destinés à l'exploitation par un émetteur ou par un groupe d'émetteurs, chaque émetteur étant un marchand octroyant un 20 avantage promotionnel.  The coupons according to the state of the art are intended for exploitation by an issuer or group of issuers, each issuer being a merchant with a promotional advantage.

Les solutions de gestion de coupons selon l'état de la technique ne permettent pas de faire bénéficier d'un avantage des tiers, autres que le détenteur du coupon et 25 l'émetteur.  Prior art coupon management solutions do not provide a benefit to third parties other than the coupon holder and the issuer.

Le but de l'invention est de remédier à cet inconvénient en proposant une solution technique de gestion de coupons de remise, permettant, au choix du détenteur du 30 coupon, de faire bénéficier un tiers bénéficiaire de l'avantage, ou au contraire de s'en réserver le bénéfice personnel. 2 À cet effet, l'invention concerne selon son acception la plus générale un procédé de gestion de coupons de remise comportant : - une étape de fabrication de coupons sécurisés constitués par un support physique présentant deux zones d'impression d'une information codée comportant une étape d'impression desdites informations dont l'une au moins est unique et spécifique à chaque carte et une étape de recouvrement des zones ainsi imprimées par un moyen de masquage pouvant être retiré de manière destructive, et une étape de remise consistant à attribuer un avantage lors de la présentation d'un coupon de remise après retrait du masquage de l'une desdites zones imprimées caractérisé en ce que l'on commande l'impression de l'une des zones au moins avec un code calculé à partir d'un identifiant d'un organisme bénéficiaire et en ce que l'on attribue l'avantage au détenteur du coupon lorsque l'une desdites zones est démasquée, et audit organisme bénéficiaire correspondant audit identifiant.  The object of the invention is to remedy this drawback by proposing a technical solution for the management of discount coupons, allowing, at the option of the holder of the coupon, to benefit a third party beneficiary of the advantage, or on the contrary of 'to reserve the personal benefit. To this end, the invention relates, in its most general sense, to a method of managing delivery coupons comprising: a step of manufacturing secure coupons constituted by a physical medium having two printing zones of coded information comprising a step of printing said information of which at least one is unique and specific to each card and a step of covering the areas thus printed by masking means that can be removed in a destructive manner, and a reset step of assigning a advantage when presenting a remittance voucher after removal of the masking of one of said printed areas, characterized in that one controls the printing of one of the zones at least with a code calculated from a identifier of a beneficiary organization and in that the benefit is attributed to the holder of the coupon when one of the said zones is unmasked, and to the said beneficiary organization c corresponding to said identifier.

Avantageusement, le code imprimé sur la première zone comprend un identifiant de l'opération concernée, un identifiant de l'émetteur, d'un code aléatoire et d'un code de sécurité calculé en fonction desdits codes.  Advantageously, the code printed on the first zone comprises an identifier of the operation concerned, an identifier of the transmitter, a random code and a security code calculated according to said codes.

Selon une variante préférée, le code imprimé sur la deuxième zone comprend un identifiant de l'opération concernée, un identifiant de l'organisme bénéficiaire, d'un code aléatoire et d'un code de sécurité calculé en fonction desdits codes.  According to a preferred variant, the code printed on the second zone comprises an identifier of the operation concerned, an identifier of the beneficiary organization, a random code and a security code calculated according to said codes.

Selon un premier mode de réalisation, lesdits codes sont des codes à barres. 3 Selon un deuxième mode de réalisation, lesdits codes sont des codes matriciels. L'invention concerne également une carte de remise constituée par un support physique présentant au moins deux zones revêtues par un moyen de masquage pouvant être retiré de manière destructive, l'une des zones comportant un code incluant un identifiant de l'émetteur de l'avantage offert au porteur du coupon, et l'autre comportant un code incluant un identifiant d'un organisme bénéficiaire.  According to a first embodiment, said codes are bar codes. According to a second embodiment, said codes are matrix codes. The invention also relates to a discount card constituted by a physical medium having at least two zones coated by a masking means that can be removed in a destructive manner, one of the zones comprising a code including an identifier of the transmitter of the transmitter. advantage offered to the holder of the coupon, and the other containing a code including an identifier of a beneficiary organization.

La présente invention sera mieux comprise à la lecture de la description qui suit, se référant au dessin annexé concernant un exemple non limitatif de réalisation de l'invention. La figure annexée représente une vue de dessus d'un coupon selon l'invention.  The present invention will be better understood on reading the description which follows, with reference to the accompanying drawing relating to a non-limiting embodiment of the invention. The attached figure shows a top view of a coupon according to the invention.

Le coupon est constitué par une carte imprimée 1 présentant des informations textuelles et graphiques spécifiques à l'enseigne émettant le coupon, à l'organisme bénéficiaire de l'avantage et de l'opération en cause.  The coupon consists of a printed card 1 presenting textual and graphical information specific to the brand issuing the coupon to the organization benefiting from the advantage and the transaction in question.

L'enseigne est par exemple une chaîne de parfumerie, de librairie ou de supermarchés ou encore un partenaire industriel. L'organisme bénéficiaire est par exemple une organisation humanitaire ou un fond d'assistance ou d'entraide.  The brand is for example a perfume chain, bookstore or supermarket or an industrial partner. The beneficiary organization is for example a humanitarian organization or a fund of assistance or mutual aid.

30 L'opération en cause est par exemple un appel à la générosité pour une cause humanitaire ou sociale.  30 The operation in question is, for example, a call for generosity for a humanitarian or social cause.

Le coupon présente des zones techniques 2, 3 masquées par un opercule opaque qui peut être retirée de manière 35 destructive, c'est-à-dire sans possibilité de réutiliser le25 moyen de masquage. Il peut s'agir d'un lien fragmentable pigmenté, utiliser pour les cartes à gratter , ou encore un opercule collant multicouche dont les strates opaques peuvent être retirées par dégradation.  The coupon has technical areas 2, 3 masked by an opaque cover which can be destructively removed, i.e. without the possibility of reusing the masking means. It can be a pigmented fragmentable link, use for scratch cards, or a multilayer sticky opaque whose opaque layers can be removed by degradation.

Le code de l'émetteur est formé par un code à barre ou par un code matriciel codé pour contenir au moins une partie des informations suivantes : identifiant de l'émetteur, formé par un identifiant unique fourni par un serveur de gestion des coupons de remise identifiant d'une opération, formé par un identifiant unique pris isolément ou pris en association avec l'identifiant de l'émetteur. L'identifiant de l'opération est également fourni par le serveur de gestion de coupon, garantissant que le code opération ou la combinaison émetteur û opération est unique pour une opération donnée. Lorsque l'émetteur gère une seule opération, ce code est vide. - identifiant du coupon. Cette identifiant est unique, pour un code émetteur-opération donné. Il sert à l'inhibition sur le serveur d'un coupon utilisé, ayant donné lieu à un avantage. - Code de contrôle, calculé en fonction des codes précédents et d'une clé privée. Ce code permet de vérifier localement si le code est un code conforme ou s'il s'agit au contraire d'un coupon falsifié.  The issuer's code is formed by a bar code or coded code to contain at least part of the following information: identifier of the issuer, formed by a unique identifier provided by a remittance management server identifier of an operation, formed by a unique identifier taken alone or taken in association with the identifier of the issuer. The transaction identifier is also provided by the coupon management server, ensuring that the transaction code or issuer-transaction combination is unique for a given transaction. When the transmitter manages a single operation, this code is empty. - Coupon ID. This identifier is unique, for a given issuer-operation code. It is used for the inhibition on the server of a used coupon, giving rise to a benefit. - Control code, calculated according to the previous codes and a private key. This code makes it possible to verify locally whether the code is a compliant code or if it is on the contrary a falsified coupon.

Le détenteur du coupon choisit, lorsqu'il veut l'utiliser, de démasquer l'une des deux zones, selon qu'il souhaite bénéficier d'un avantage personnel, par exemple une remise sur un achat, ou de faire bénéficier l'organisme désigné d'un avantage, par exemple le versement par l'émetteur du coupon d'un don correspondant au montant de l'avantage habituellement accordé au porteur du coupon.  The coupon holder chooses, when he wants to use it, to unmask one of the two zones, according to whether he wishes to benefit from a personal advantage, for example a discount on a purchase, or to benefit the organization designated advantage, for example the payment by the issuer of the coupon of a gift corresponding to the amount of the benefit usually granted to the holder of the coupon.

L'avantage peut être constitué par une remise immédiate ou différée. Elle peut être d'un montant différent pour chacune des deux zones.  The advantage may be an immediate or deferred surrender. It can be of a different amount for each of the two zones.

5 L'information codée de la zone démasquée est lue par exemple par un scanner et transmise au serveur de gestion des coupons.  The coded information of the unmasked zone is read for example by a scanner and sent to the coupon management server.

Ce serveur vérifie la conformité du code et en cas de vérification positive transmet une instruction d'octroi de l'avantage lorsque le code correspond à la première zone. Dans le cas où le code correspond à la deuxième zone, le serveur transmet une instruction d'incrémenter le compte de l'organisme bénéficiaire correspondant au code transmis.  This server checks the code for compliance and in the case of a positive verification, it transmits a grant instruction when the code matches the first field. In the case where the code corresponds to the second zone, the server transmits an instruction to increment the account of the beneficiary organization corresponding to the transmitted code.

Le coupon peut comporter plusieurs zones correspondant à des organismes bénéficiaires distincts. Dans ce cas, chaque zone portera un marquage avec un code-opération distinct. Dans ce qui précède, l'invention est décrite pour une réalisation particulière, avec deux zones masquées. Bien entendu, elle le support peut comporter plus de deux zones, avec des organismes bénéficiaires distincts. 25  The coupon may have multiple areas corresponding to different beneficiary organizations. In this case, each zone will be marked with a separate operation code. In the foregoing, the invention is described for a particular embodiment, with two masked areas. Of course, the support can have more than two areas, with separate beneficiary organizations. 25

Claims (4)

REVENDICATIONS 1 - Procédé de gestion de coupons de remise 5 caractérisé en ce qu'il comporte : une étape de fabrication de coupons sécurisés constitués par un support physique présentant au moins des première et deuxième zones d'impression d'une information codée comportant une étape d'impression desdites 10 informations dont l'une au moins est unique et spécifique à chaque carte et une étape de recouvrement des zones ainsi imprimées par un moyen de masquage pouvant être retiré de manière destructive, - et une étape de remise consistant à attribuer un 15 avantage lors de la présentation d'un coupon de remise après retrait du masquage de l'une desdites zones imprimées, - et en ce que l'on commande l'impression de la deuxième zone au moins avec un code calculé à partir d'un identifiant d'un organisme bénéficiaire 20 - et l'on attribue l'avantage au détenteur du coupon lorsque la première zone est démasquée, et audit organisme bénéficiaire correspondant audit identifiant lorsque la deuxième zone est démasquée. 25  1 - Delivery coupon management method 5 characterized in that it comprises: a step of manufacturing secure coupons constituted by a physical medium having at least first and second printing areas of a coded information comprising a step of printing said information at least one of which is unique and specific to each card and a step of overlapping the printed areas by destructively removable masking means; and a resetting step of advantage when presenting a remittance voucher after removal of the masking of one of said printed areas, and in that the printing of the second zone is ordered at least with a code calculated from a identifier of a beneficiary organization 20 - and the benefit is attributed to the holder of the coupon when the first zone is unmasked, and to the recipient organization corresponding to said identifier when the second zone is unmasked. 25 2 - Procédé de gestion de coupons de remise selon la revendication 1, caractérisé en ce que le code imprimé sur la première zone comprend un identifiant de l'opération concernée, un identifiant de l'émetteur, d'un code aléatoire et d'un code de sécurité calculé en fonction desdits codes. 30  2 - method for managing discount coupons according to claim 1, characterized in that the code printed on the first zone comprises an identifier of the operation concerned, an identifier of the transmitter, a random code and a security code calculated according to said codes. 30 3 - Procédé de gestion de coupons de remise selon la revendication 1, caractérisé en ce que le code imprimé sur la deuxième zone comprend un identifiant de l'opération concernée, un identifiant de l'organisme bénéficiaire, d'uncode aléatoire et d'un code de sécurité calculé en fonction desdits codes.  3 - method for managing discount coupons according to claim 1, characterized in that the code printed on the second zone comprises an identifier of the operation concerned, an identifier of the beneficiary organization, random code and a security code calculated according to said codes. 4 - Procédé de gestion de coupons de remise selon 5 l'une au moins des revendications précédentes caractérisé en ce que lesdits codes sont des codes à barres. - Procédé de gestion de coupons de remise selon l'une au moins des revendications précédentes caractérisé en 10 ce que lesdits codes sont des codes matriciels. 6 - Carte de remise pour la mise en œuvre du procédé selon l'une au moins des revendications précédentes caractérisé en ce qu'elle est constituée par un support 15 physique présentant au moins deux zones revêtues par un moyen de masquage pouvant être retiré de manière destructive, l'une des zones comportant un code incluant un identifiant de l'émetteur de l'avantage offert au porteur du coupon, et l'autre comportant un code incluant un 20 identifiant d'un organisme bénéficiaire.  4 - Management method of discount coupons according to at least one of the preceding claims characterized in that said codes are bar codes. Delivery coupon management method according to at least one of the preceding claims, characterized in that said codes are matrix codes. 6 - Discount card for the implementation of the method according to at least one of the preceding claims, characterized in that it consists of a physical support 15 having at least two zones coated by a masking means that can be removed in a controlled manner. destructive, one of the fields having a code including an identifier of the issuer of the benefit offered to the coupon holder, and the other containing a code including an identifier of a beneficiary organization.
FR0600146A 2006-01-06 2006-01-06 Secured discount coupons managing method for e.g. merchant, involves attributing benefit to coupon bearer when encrypted information printing zone is unmasked, and to donee organization relative to identifier when another zone is unmasked Withdrawn FR2896065A1 (en)

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FR0600146A FR2896065A1 (en) 2006-01-06 2006-01-06 Secured discount coupons managing method for e.g. merchant, involves attributing benefit to coupon bearer when encrypted information printing zone is unmasked, and to donee organization relative to identifier when another zone is unmasked

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FR0600146A FR2896065A1 (en) 2006-01-06 2006-01-06 Secured discount coupons managing method for e.g. merchant, involves attributing benefit to coupon bearer when encrypted information printing zone is unmasked, and to donee organization relative to identifier when another zone is unmasked

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993014476A1 (en) * 1992-01-15 1993-07-22 Stephen Industries Inc. Oy A method for making and collecting donations
FR2806190A1 (en) * 2000-03-13 2001-09-14 Guy Favreau Trustee instrument of gift-voucher type for use as a conventional gift voucher or for paying for goods over the Internet has an identifying zone that can be uncovered by scratching and then used to authenticate the voucher
US20020008146A1 (en) * 1998-11-20 2002-01-24 Tara C. Singhal Universal charity card system
US20020130511A1 (en) * 2001-03-19 2002-09-19 Kenneth Thompson Promotional two-piece in one postcard housing an integral coupon card

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1993014476A1 (en) * 1992-01-15 1993-07-22 Stephen Industries Inc. Oy A method for making and collecting donations
US20020008146A1 (en) * 1998-11-20 2002-01-24 Tara C. Singhal Universal charity card system
FR2806190A1 (en) * 2000-03-13 2001-09-14 Guy Favreau Trustee instrument of gift-voucher type for use as a conventional gift voucher or for paying for goods over the Internet has an identifying zone that can be uncovered by scratching and then used to authenticate the voucher
US20020130511A1 (en) * 2001-03-19 2002-09-19 Kenneth Thompson Promotional two-piece in one postcard housing an integral coupon card

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