WO1999013438A1 - Systeme client pour reseau ip - Google Patents

Systeme client pour reseau ip Download PDF

Info

Publication number
WO1999013438A1
WO1999013438A1 PCT/EP1998/005724 EP9805724W WO9913438A1 WO 1999013438 A1 WO1999013438 A1 WO 1999013438A1 EP 9805724 W EP9805724 W EP 9805724W WO 9913438 A1 WO9913438 A1 WO 9913438A1
Authority
WO
WIPO (PCT)
Prior art keywords
client
client system
value units
internet
server
Prior art date
Application number
PCT/EP1998/005724
Other languages
English (en)
Inventor
Marc Peter Dieben
Original Assignee
Koninklijke Kpn N.V.
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 Koninklijke Kpn N.V. filed Critical Koninklijke Kpn N.V.
Priority to AU96239/98A priority Critical patent/AU9623998A/en
Publication of WO1999013438A1 publication Critical patent/WO1999013438A1/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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures

Definitions

  • the invention relates to a client system, especially for an IP (Internet Protocol) network.
  • a client network comprises a network terminal, e.g. a PC or NC, which is connected to the network.
  • the network terminal is loaded with client software, often called browser.
  • client software often called browser.
  • client software often called browser.
  • the address can be entered of a document (page) available at such a host or server.
  • the document received via the browser usually coded in HTML code, may contain references (links) to other addresses.
  • a cluster of such pages is usually called an internet site.
  • the pages may comprise links to other pages within or outside the site.
  • the pages may contain non-text objects, such as figures, moving images, sound and also (small) programmes, such as JAVA or ACTIVE-X applets.
  • the browser functions as an agent , which on the one hand represents the user with the server (or host) , and on the other hand the server with the user, especially for transmitting commands (server input) to the server and transmitting response generated by the server (server output) thereupon to the user.
  • the processing of the output generated by the server usually takes place "manually" by the user, i.e. the user chooses, by means of his mouse or keyboard, further actions, e.g. from a number of options from the last page offered by the server (back to the homepage, downloading software, opening a linked URL, etc.).
  • the invention provides a client system with advanced capabilities, particularly to support (commercial) loyalty programmes.
  • the client system comprises processing modules or agents, which take care for automatic processing of output received via the browser from servers.
  • it relates to the processing of "bonus points" or other modern forms of credit transfer money or value units.
  • retrieving certain services or pages is rewarded by sending the user a number of bonus points , while in turn requesting certain other services or pages costs bonus points.
  • a loyalty programme for internet services can be realised. It is important that the settlement, also with the user, takes places automatically, but is not liable to fraud.
  • the client system can be lodged in a user terminal, such as a PC, or at least partially can be lodged in the network environment, either in an access server, or in a special server for carrying out loyalty programmes etc.
  • a user terminal such as a PC
  • the network environment either in an access server, or in a special server for carrying out loyalty programmes etc.
  • Figure 1 shows a number of client terminals 1, which can make a connection to host servers 4, through a communications network 2, such as the public telephone or ISDN network, and an internet access server 3, and the ""world wide web", the internet 5.
  • a communications network 2 such as the public telephone or ISDN network
  • an internet access server 3 such as the public telephone or ISDN network
  • the number of terminals 1 and host servers 4, which can communicate with each other in this way is very large.
  • Users make use of their terminal (PC) 1 to exchange information with the servers 4.
  • Organisations or companies, which use the servers 4 to communicate with "the public” can stimulate the users to consume or supply information by rewarding the desired actions with sending "bonus points" to the users.
  • organisations or companies may also require payment for services or information to be supplied. In both cases, this can be done by exchanging electronic value units via the net.
  • Terminal 1 which comprises a CPU, including memory modules etc., as well as a monitor, keyboard and modem, is loaded with IP communication software (Winsock) and client software (browser).
  • IP communication software Winsock
  • client software browser
  • an Accounting Module according to the invention is loaded, which is functionally connected to the browser, e.g. as so-called plug- in.
  • the accounting module is activated.
  • the accounting module will ask the user whether value elements to be received can be added or the value elements to be paid subtracted.
  • the medium in which the value elements are stored is formed by a smart card, indicated as "Chipper " .
  • Such a medium is unsusceptible to fraud, so that the users can not commit fraud with the value elements.
  • commercial activities via the internet e.g. a promotional action, can be very well combined with promotional actions through non- internet channels, such as shops, fuel stations, transport companies, government, etc.
  • the balance of value elements can be read out by the accounting module and is displayed on the monitor. Different organisations etc.
  • value elements each of which are stored separately in the smart card, viz. in different memory locations, each destined for storage of value elements ("saving points") of a certain loyalty programme, e.g. SHELL points, bonus points for using Microsoft products or multi-vendor loyalty points such as "Airmiles” etc. Also amounts of money can be exchanged via the memory location in which in the smart card normal currencies are registered.

Landscapes

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

Abstract

L'invention concerne un système client destiné à servir de support à des programmes (commerciaux) de fidélisation via Internet. Un module de comptabilité permet de recevoir ou d'envoyer, via une fonction de survol, le traitement de 'points de bonus' ou d'autres formes modernes d'unités de valeur ou de virements de fonds de crédit. En débitant ou en créditant des services, on peut réaliser un programme de fidélisation pour des services Internet. Afin de prévenir toute fraude, on utilise des cartes à puce qui peuvent être reliées au PC client au moyen d'un terminal de cartes. L'utilisation d'une carte à puce comme support de stockage pour des unités de valeur électroniques, empêche toute fraude et permet en outre une intégration des trafics de paiement par Internet et des trafics de paiement classiques: dans les deux domaines, on utilise la même carte à puce. Ainsi, on peut, si on le désire, dépenser les unités de valeur économisées via des actions par Internet dans des magasins ordinaires et inversement.
PCT/EP1998/005724 1997-09-05 1998-09-04 Systeme client pour reseau ip WO1999013438A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU96239/98A AU9623998A (en) 1997-09-05 1998-09-04 Client system for ip network

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL1006951A NL1006951C2 (nl) 1997-09-05 1997-09-05 Clientsysteem voor IP-netwerk.
NL1006951 1997-09-05

Publications (1)

Publication Number Publication Date
WO1999013438A1 true WO1999013438A1 (fr) 1999-03-18

Family

ID=19765620

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP1998/005724 WO1999013438A1 (fr) 1997-09-05 1998-09-04 Systeme client pour reseau ip

Country Status (3)

Country Link
AU (1) AU9623998A (fr)
NL (1) NL1006951C2 (fr)
WO (1) WO1999013438A1 (fr)

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001006423A1 (fr) 1999-07-17 2001-01-25 Orga Kartensysteme Gmbh Terminal de payement
GB2356963A (en) * 1999-11-30 2001-06-06 Gareth Poulter Electronic payment device
NL1015197C2 (nl) * 2000-05-13 2001-11-15 Ficaro N V Telecommunicatiesysteem en telecommunicatie-inrichting voor toepassing daarin.
FR2819130A1 (fr) * 2000-12-29 2002-07-05 Euro 3 Wssa Procede pour restreintre au profit d'utilisateurs autorises, l'acces a des ressources appartenant a des services interactifs d'au moins un bouquet de services
SG97867A1 (en) * 1999-03-19 2003-08-20 Citicorp Dev Ct Inc System and method for point of ue reward determination
WO2005013167A1 (fr) * 2003-08-05 2005-02-10 Carmela Spata Procede de gestion de cartes de paiement pouvant etre utilisees dans des services de ventes, et dispositif utilisant ce procede
GB2422045A (en) * 2004-11-05 2006-07-12 Mindhouse Ltd A loyalty reward system, adding points to a card in reponse to the viewing of specific content
US8595055B2 (en) 2001-03-27 2013-11-26 Points.Com Apparatus and method of facilitating the exchange of points between selected entities

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995021428A1 (fr) * 1994-02-04 1995-08-10 Card One Development Company Procede et systeme d'affectation et de remboursement de credits promotionnels
WO1996017466A2 (fr) * 1994-12-02 1996-06-06 British Telecommunications Public Limited Company Systeme de communications pour terminaux multiservices
WO1996031848A2 (fr) * 1995-04-05 1996-10-10 Douglas Burdon Procede pour effectuer des ristournes dans le domaine des telecommunications
WO1996041286A1 (fr) * 1995-06-07 1996-12-19 Mastercard International, Inc. Systeme et procede pour effectuer des transactions electroniques sur un reseau d'ordinateurs
US5602905A (en) * 1995-01-23 1997-02-11 Mettke; Richard P. On-line communication terminal/apparatus
WO1997014118A2 (fr) * 1995-10-10 1997-04-17 Suntek Software Corporation Reseau informatique permettant a des utilisateurs individuels d'acceder au reseau internet
EP0775990A2 (fr) * 1995-11-21 1997-05-28 Hitachi, Ltd. Terminal pour transactions automatisées avec carte à circuit intégré et carte utilisée dans ce terminal
EP0785534A1 (fr) * 1996-01-17 1997-07-23 Koninklijke KPN N.V. Méthode et système pour effectuer des transactions financières à l'aide de postes mobiles de téléphone

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995021428A1 (fr) * 1994-02-04 1995-08-10 Card One Development Company Procede et systeme d'affectation et de remboursement de credits promotionnels
WO1996017466A2 (fr) * 1994-12-02 1996-06-06 British Telecommunications Public Limited Company Systeme de communications pour terminaux multiservices
US5602905A (en) * 1995-01-23 1997-02-11 Mettke; Richard P. On-line communication terminal/apparatus
WO1996031848A2 (fr) * 1995-04-05 1996-10-10 Douglas Burdon Procede pour effectuer des ristournes dans le domaine des telecommunications
WO1996041286A1 (fr) * 1995-06-07 1996-12-19 Mastercard International, Inc. Systeme et procede pour effectuer des transactions electroniques sur un reseau d'ordinateurs
WO1997014118A2 (fr) * 1995-10-10 1997-04-17 Suntek Software Corporation Reseau informatique permettant a des utilisateurs individuels d'acceder au reseau internet
EP0775990A2 (fr) * 1995-11-21 1997-05-28 Hitachi, Ltd. Terminal pour transactions automatisées avec carte à circuit intégré et carte utilisée dans ce terminal
EP0785534A1 (fr) * 1996-01-17 1997-07-23 Koninklijke KPN N.V. Méthode et système pour effectuer des transactions financières à l'aide de postes mobiles de téléphone

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
MORI R ET AL: "SUPERDISTRIBUTION: THE CONCEPT AND THE ARCHITECTURE", TRANSACTIONS OF THE INSTITUTE OF ELECTRONICS, INFORMATION AND COMMUNICATION ENGINEERS OF JAPAN, vol. E73, no. 7, July 1990 (1990-07-01), pages 1133 - 1146, XP002010383 *

Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SG97867A1 (en) * 1999-03-19 2003-08-20 Citicorp Dev Ct Inc System and method for point of ue reward determination
US8498898B1 (en) 1999-03-19 2013-07-30 Citicorp Development Center, Inc. System and method for point of use reward determination
WO2001006423A1 (fr) 1999-07-17 2001-01-25 Orga Kartensysteme Gmbh Terminal de payement
DE19933694B4 (de) 1999-07-17 2019-08-22 Morpho Cards Gmbh Bezahlterminal
GB2356963A (en) * 1999-11-30 2001-06-06 Gareth Poulter Electronic payment device
NL1015197C2 (nl) * 2000-05-13 2001-11-15 Ficaro N V Telecommunicatiesysteem en telecommunicatie-inrichting voor toepassing daarin.
FR2819130A1 (fr) * 2000-12-29 2002-07-05 Euro 3 Wssa Procede pour restreintre au profit d'utilisateurs autorises, l'acces a des ressources appartenant a des services interactifs d'au moins un bouquet de services
US7275264B2 (en) 2000-12-29 2007-09-25 Sas Validy Method of restricting access, for the benefit of authorized users, to resources belonging to interactive services with at least one package of services
CN100353732C (zh) * 2000-12-29 2007-12-05 瓦利迪公司 被授权用户限制性地访问至少一个服务集群的交互式服务资源的方法
WO2002054703A3 (fr) * 2000-12-29 2002-10-03 Validy Procede pour restreindre l'acces a des ressources appartenant a des services interactifs d'au moins un bouquet
WO2002054703A2 (fr) * 2000-12-29 2002-07-11 Validy Procede pour restreindre l'acces a des ressources appartenant a des services interactifs d'au moins un bouquet
US8595055B2 (en) 2001-03-27 2013-11-26 Points.Com Apparatus and method of facilitating the exchange of points between selected entities
WO2005013167A1 (fr) * 2003-08-05 2005-02-10 Carmela Spata Procede de gestion de cartes de paiement pouvant etre utilisees dans des services de ventes, et dispositif utilisant ce procede
GB2422045A (en) * 2004-11-05 2006-07-12 Mindhouse Ltd A loyalty reward system, adding points to a card in reponse to the viewing of specific content
GB2422045B (en) * 2004-11-05 2009-06-17 Mindhouse Ltd Loyalty reward systems and methods

Also Published As

Publication number Publication date
NL1006951C2 (nl) 1999-03-08
AU9623998A (en) 1999-03-29

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