WO2008064937A1 - Procédé d'établissement d'un compte de pension de retraite - Google Patents

Procédé d'établissement d'un compte de pension de retraite Download PDF

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Publication number
WO2008064937A1
WO2008064937A1 PCT/EP2007/059910 EP2007059910W WO2008064937A1 WO 2008064937 A1 WO2008064937 A1 WO 2008064937A1 EP 2007059910 W EP2007059910 W EP 2007059910W WO 2008064937 A1 WO2008064937 A1 WO 2008064937A1
Authority
WO
WIPO (PCT)
Prior art keywords
data
data carrier
code arrangement
carrier
monetary value
Prior art date
Application number
PCT/EP2007/059910
Other languages
German (de)
English (en)
Inventor
Andreas Ehrle
Peter Koenen
Original Assignee
Evonik Degussa Gmbh
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 Evonik Degussa Gmbh filed Critical Evonik Degussa Gmbh
Publication of WO2008064937A1 publication Critical patent/WO2008064937A1/fr

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models

Definitions

  • the invention relates to a method for repeatedly depositing small amounts in an insurance carrier for the gradual development of a pension account.
  • a financial services provider offers a pension plan in conjunction with a credit card.
  • a certain percentage of the credit card card transaction is credited to the selected retirement product of the holder.
  • WO 01/86450 a payment system is described in which codes corresponding to a certain monetary value can be used as means of payment. From JP 2005313530 a voucher system is also known.
  • the invention is based on the object of specifying a new method for setting up a retirement account. According to the invention, this object is solved by the features of claim 1.
  • the method according to the invention for repeatedly depositing small amounts to an insurance carrier for the step-by-step construction of a retirement account
  • Data carriers that symbolize a certain monetary value the data carriers being acquired by companies from the insurance carrier or an intermediary and sold to customers in the course of their business activities, whereby the customers read in the data of these data carriers by means of a reading device and via a communication network, in particular the Internet, to the
  • the subject of the invention is characterized by the tripartite relationship of insurance carrier, company and customer, the entrepreneur
  • the data carriers are, for example, a bonus card that you buy when you buy a product or
  • the transmitted data are checked by the insurance carrier, the associated monetary value is credited to the customer's retirement account only if the monetary value of the associated data carrier has not been credited to any retirement account. This is done according to a preferred embodiment in that each disk next to the
  • Monetary value contains a unique code, which is deposited with the insurance carrier. When checking the data then only has to be checked whether this code has already been redeemed.
  • the data carriers can be used multiple times for different pension accounts.
  • the explicit possibility of transferring the data carrier is intended to bring about a rapid and broad market introduction and the opening of many such pension accounts.
  • the volume is invalidated after the data has been read. This could be done for example by means of a current / voltage pulse.
  • the data carrier contains a code arrangement which represents the monetary value, wherein the code arrangement is preferably printed, wherein the production in particular by means of high, low or planographic printing process.
  • Particularly suitable for this purpose is a code arrangement of conductive organic polymers.
  • the code arrangement can be formed by the presence or absence of at least one storage electrode, which forms a first part of a capacitor, wherein the code arrangement is further designed such that it is capacitively readable by a reading device.
  • Fig. 2 is a schematic plan view of the data carrier with code arrangement
  • Fig. 3 is a side view of the data carrier.
  • FIG. 1 In the block diagram of FIG. 1 is denoted by the reference numeral 1 a
  • the insurance carrier 1 offers its customers the opportunity to gradually build up a retirement account 2 by repeatedly depositing small amounts.
  • data carriers 3 are offered by the insurance carrier or by the intermediary, which symbolize a certain monetary value and can be acquired by companies 4 from the insurance carrier.
  • the data carriers 3 are delivered to customers 5.
  • the customer 5 can then read in the data of these data carriers 3 by means of a reading device 6 into an Internet-capable computer 7 and transmit them via the Internet 8 to the insurance carrier 1.
  • the insurance carrier 1 checks the transmitted data and writes the associated monetary value to the pension account 2 of the customer.
  • the data carrier 3 consists for example of a flexible substrate, such as paper or foil, on which a code arrangement 30 is applied (see FIG. 2).
  • the data carrier 3 consists for example of a flexible substrate, such as paper or foil, on which a code arrangement 30 is applied (see FIG. 2).
  • Code arrangement is expediently printed, wherein the production by means of high, low or planographic printing method allows a mass and particularly cost-effective production.
  • the code arrangement 30 can be formed for example by a bar code.
  • the formation of the code arrangement by conductive organic polymers has the advantage that the code arrangement 30 can be arranged invisibly on the surface between two substrates 31, 32 (FIG. 3). In this way, the code arrangement is better protected against manipulation and the top or bottom of the disk can be used for other purposes, such as advertising.
  • the code arrangement is formed by the presence or absence of at least one storage electrode 30a, which forms a first part of a capacitor. Furthermore, the code arrangement 30 is designed such that it is capacitively readable with the reading device 6. The capacitive readout has the advantage that no ohmic contact with the code arrangement is required. The code arrangement can therefore be arranged completely protected between the two substrates 31, 32.
  • the insurance carrier 1 also takes appropriate measures to prevent the money value associated with a particular data carrier from being repeatedly credited to a retirement account.
  • One measure could be to invalidate the volume itself after the data has been read.
  • a current / voltage pulse would be conceivable, which is triggered by the reader. This voltage pulse would then lead to an appropriately prepared position of the code arrangement to an interruption of the conductive connection.
  • the code arrangement symbolizes not only the monetary value but also a unique code. In this way, the insurance carrier 1 has the opportunity to check whether this code has already been read and credited to an account. When reading such a
  • Code arrangement will therefore require the insurance carrier to label this code as consumed in its database. Although this last possibility has the disadvantage that each data carrier must have a different code arrangement, but manipulations can be detected relatively quickly.
  • Another possibility is that when the data of the data carrier is transmitted, the device identification number of the reading device is also transferred. This can prevent a card from being used multiple times in a device. This option is particularly interesting for the introductory phase already described above, in which the data carriers may be deliberately passed on, so that as many pension accounts as possible are opened.
  • the customer When the customer concludes a contract with the insurance carrier, the customer receives the reader to read the data carriers they receive from companies. When transmitting the data of a data carrier, it can also be provided that the device identification number of the reading device is transferred. If each customer is assigned a reader with a unique device identification number, a simple authentication can take place in this way.
  • the contract with the insurance carrier can be designed in many different ways.
  • the deposits only comprise flexible shares, which take place, in particular, by reading in the data carriers, or additional fixed contributions can be agreed at predetermined intervals.
  • the data carriers symbolizing a certain monetary value can be acquired by the customer in a wide variety of ways. For example, it is possible to purchase data carriers with a predetermined value at certain points of sale. Also, business owners can use data carriers as a "thank you" when purchasing a product or service to the company
  • the data carriers can also be provided with additional information, in particular about the company which issues the data carriers to the customers. Such information, such as company information or special offers, can appear on the screen especially when reading the data carriers.
  • the system described above allows a particularly attractive customer loyalty for the consumer, since the customer when buying a good or service in the good sense of having done something for his pension.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

L'invention concerne un procédé de paiement répété de petites sommes auprès d'un organisme d'assurance en vue d'établir progressivement un compte de pension de retraite en recourant à des supports de données qui symbolisent une valeur monétaire définie acquis par des entreprises auprès de l'organisme d'assurance ou d'un intermédiaire et qui sont délivrés à des clients dans le cadre des activités de ces entreprises. Les clients lisent au moyen d'un appareil de lecture les données de ces supports de données et les transmettent par un réseau de communication et en particulier par internet à l'organisme d'assurance pour les inscrire sur un compte de pension de retraite établi à leur bénéfice.
PCT/EP2007/059910 2006-11-30 2007-09-19 Procédé d'établissement d'un compte de pension de retraite WO2008064937A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE200610056561 DE102006056561A1 (de) 2006-11-30 2006-11-30 Verfahren zum Aufbau eines Rentenkontos
DE102006056561.4 2006-11-30

Publications (1)

Publication Number Publication Date
WO2008064937A1 true WO2008064937A1 (fr) 2008-06-05

Family

ID=38617268

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2007/059910 WO2008064937A1 (fr) 2006-11-30 2007-09-19 Procédé d'établissement d'un compte de pension de retraite

Country Status (2)

Country Link
DE (1) DE102006056561A1 (fr)
WO (1) WO2008064937A1 (fr)

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4949256A (en) * 1988-05-06 1990-08-14 Humble David Raymond Coupon validation network with storage of customer coupon data for credit on future purchases
DE4322794C1 (de) * 1993-07-08 1994-08-04 Karl Lemmer Verfahren und Anordnung zum Abwickeln des Vertriebs von Waren und/oder Dienstleistungen unterschiedlicher Anbieter
WO2001086450A1 (fr) * 2000-05-05 2001-11-15 Dario Marcondes Dos Santos Systeme de paiement par codes a prepaiement cow (cashonweb)
WO2002029706A1 (fr) * 2000-10-03 2002-04-11 Motorola, Inc. Code-barres electronique defini par un processus d'impression par polymere
US6384727B1 (en) * 2000-08-02 2002-05-07 Motorola, Inc. Capacitively powered radio frequency identification device
WO2005008574A1 (fr) * 2003-07-17 2005-01-27 Avantone Oy Procede de detection d'objets, et systeme pour resoudre le contenu d'un symbole
WO2005122068A1 (fr) * 2004-06-08 2005-12-22 M-Real Oyj Procede et appareil pour la detection de marquages
WO2006108913A1 (fr) * 2005-04-15 2006-10-19 M-Real Oyj Procede pour marquer des objets qui peuvent etre lus electromagnetiquement

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE10222783A1 (de) * 2002-05-13 2004-03-25 Herpa Miniaturmodelle Gmbh Miniatur-Behälter zum Aufnehmen und Verteilen eines Wertcoupons
JP4513404B2 (ja) * 2004-04-30 2010-07-28 凸版印刷株式会社 スクラッチ付き商品券の使用履歴管理方法及びシステム
US7298272B2 (en) * 2005-04-29 2007-11-20 Hewlett-Packard Development Company, L.P. Remote detection employing RFID

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4949256A (en) * 1988-05-06 1990-08-14 Humble David Raymond Coupon validation network with storage of customer coupon data for credit on future purchases
DE4322794C1 (de) * 1993-07-08 1994-08-04 Karl Lemmer Verfahren und Anordnung zum Abwickeln des Vertriebs von Waren und/oder Dienstleistungen unterschiedlicher Anbieter
WO2001086450A1 (fr) * 2000-05-05 2001-11-15 Dario Marcondes Dos Santos Systeme de paiement par codes a prepaiement cow (cashonweb)
US6384727B1 (en) * 2000-08-02 2002-05-07 Motorola, Inc. Capacitively powered radio frequency identification device
WO2002029706A1 (fr) * 2000-10-03 2002-04-11 Motorola, Inc. Code-barres electronique defini par un processus d'impression par polymere
WO2005008574A1 (fr) * 2003-07-17 2005-01-27 Avantone Oy Procede de detection d'objets, et systeme pour resoudre le contenu d'un symbole
WO2005122068A1 (fr) * 2004-06-08 2005-12-22 M-Real Oyj Procede et appareil pour la detection de marquages
WO2006108913A1 (fr) * 2005-04-15 2006-10-19 M-Real Oyj Procede pour marquer des objets qui peuvent etre lus electromagnetiquement

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Publication number Publication date
DE102006056561A1 (de) 2008-06-05

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