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WO2006120350A3 - Procede et systeme de gestion d'avantages pour tout type de carte bancaire - Google Patents

Procede et systeme de gestion d'avantages pour tout type de carte bancaire Download PDF

Info

Publication number
WO2006120350A3
WO2006120350A3 PCT/FR2006/001051 FR2006001051W WO2006120350A3 WO 2006120350 A3 WO2006120350 A3 WO 2006120350A3 FR 2006001051 W FR2006001051 W FR 2006001051W WO 2006120350 A3 WO2006120350 A3 WO 2006120350A3
Authority
WO
WIPO (PCT)
Prior art keywords
application data
chip
management method
merchant
benefit management
Prior art date
Application number
PCT/FR2006/001051
Other languages
English (en)
Other versions
WO2006120350A2 (fr
Inventor
Aneace Haddad
Frederic Mayance
Original Assignee
Welcome Real Time S A
Aneace Haddad
Frederic Mayance
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 Welcome Real Time S A, Aneace Haddad, Frederic Mayance filed Critical Welcome Real Time S A
Priority to BRPI0608985-2A priority Critical patent/BRPI0608985A2/pt
Priority to EP06764597A priority patent/EP1886267A2/fr
Priority to US11/920,135 priority patent/US20090099917A1/en
Publication of WO2006120350A2 publication Critical patent/WO2006120350A2/fr
Publication of WO2006120350A3 publication Critical patent/WO2006120350A3/fr

Links

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
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q30/0215—Including financial accounts
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé de gestion d' avantages lors du paiement par un utilisateur par carte bancaire à puce et/ou à piste au cours d'une transaction chez au moins un commerçant affilié. Les données applicatives de l'utilisateur sont stockées dans la puce et/ou sur un serveur à distance externe, et un programme promotionnel déterminé est stocké et/ou valable chez le commerçant, lorsque l'utilisateur utilise sa carte bancaire pour payer chez le commerçant. On interroge la puce et/ou le serveur pour connaître les données applicatives liées à cette carte, puis on utilise les éventuels avantages déjà acquis et/ou on génère de nouveaux avantages en fonction des données applicatives et du programme promotionnel déterminé du commerçant avant de remettre à jour ces données applicatives de l'utilisateur.
PCT/FR2006/001051 2005-05-12 2006-05-11 Procede et systeme de gestion d'avantages pour tout type de carte bancaire WO2006120350A2 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
BRPI0608985-2A BRPI0608985A2 (pt) 2005-05-12 2006-05-11 processo e sistema de gestão de vantagens para qualquer tipo de cartão bancário
EP06764597A EP1886267A2 (fr) 2005-05-12 2006-05-11 Procede et systeme de gestion d'avantages pour tout type de carte bancaire
US11/920,135 US20090099917A1 (en) 2005-05-12 2006-05-11 Benefit management method and system for any type of bank card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR0504772A FR2885715A1 (fr) 2005-05-12 2005-05-12 Procede et systeme de gestion d'avantages pour tout type de carte bancaire
FR0504772 2005-05-12

Publications (2)

Publication Number Publication Date
WO2006120350A2 WO2006120350A2 (fr) 2006-11-16
WO2006120350A3 true WO2006120350A3 (fr) 2007-03-08

Family

ID=35744667

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2006/001051 WO2006120350A2 (fr) 2005-05-12 2006-05-11 Procede et systeme de gestion d'avantages pour tout type de carte bancaire

Country Status (5)

Country Link
US (1) US20090099917A1 (fr)
EP (1) EP1886267A2 (fr)
BR (1) BRPI0608985A2 (fr)
FR (1) FR2885715A1 (fr)
WO (1) WO2006120350A2 (fr)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2012113870A (ru) * 2009-09-10 2013-10-20 Виза Интернэшнл Сервис Ассосиэйшн Независимая сеть начисления и погашения поощрений, финансируемая торговым предприятием
EP2847721A1 (fr) 2012-05-08 2015-03-18 Smart Engine GmbH Procédé permettant de fournir des informations à un client au niveau d'un point de vente
EP2690590A1 (fr) 2012-07-26 2014-01-29 Welcome Real Time Consentement anonyme à un programme de fidélité
US9760900B2 (en) * 2013-08-08 2017-09-12 International Business Machines Corporation Trend-factored RFM scores to improve campaign performance

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1276082A2 (fr) * 2001-07-13 2003-01-15 Yves De Myttenaere Dispositif de paiement

Family Cites Families (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5256863A (en) * 1991-11-05 1993-10-26 Comark Technologies, Inc. In-store universal control system
AU5899300A (en) * 1999-06-29 2001-01-31 Awardtrack, Inc. Building frequent shopper programs for web merchants
CN1288593C (zh) * 2001-07-13 2006-12-06 迈卡公司Sprl 支付装置
US20080033793A1 (en) * 2002-07-12 2008-02-07 Roberts Larry Lemaitre Method of capturing customer transaction data by routine declining of authorization requests
AU2003268394A1 (en) * 2002-09-03 2004-03-29 Cheryl B. Barken-Schleicher Points-based rewards automation system and method
US20040122736A1 (en) * 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
US20040181453A1 (en) * 2002-11-06 2004-09-16 Ray James Thomas Configurable stored value platform
US8239323B2 (en) * 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US8407083B2 (en) * 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
TWI368177B (en) * 2004-03-26 2012-07-11 Citicorp Credit Services Inc Methods and systems for integration of multiple rewards programs
US20060004629A1 (en) * 2004-07-01 2006-01-05 American Express Travel Related Services Company, Inc. Deferred loyalty points redemption method
US7506812B2 (en) * 2004-09-07 2009-03-24 Semtek Innovative Solutions Corporation Transparently securing data for transmission on financial networks
US8473334B2 (en) * 2005-03-10 2013-06-25 Sony Corporation System and method for issuing and redeeming incentives on electronic data cards
US20090234742A1 (en) * 2005-06-10 2009-09-17 Breakaway Incentives Llc System and method for rewards program for credit card issuer
US7784682B2 (en) * 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US20070203792A1 (en) * 2006-02-28 2007-08-30 Bindu Rama Rao Electronic device capable of delivering coupons to a POS system and to a sales server
US10262303B2 (en) * 2007-12-28 2019-04-16 Mastercard International Incorporated Methods and systems for applying a rewards program promotion to payment transactions
US8615428B2 (en) * 2009-01-14 2013-12-24 Signature Systems, LLC. Point of sale device for online reward point exchange method and system

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1276082A2 (fr) * 2001-07-13 2003-01-15 Yves De Myttenaere Dispositif de paiement

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
WELCOME REAL TIME: "Welcome to next generation payment, now! A guide to XLS(R)", 5 March 2005 (2005-03-05), pages 1 - 22, XP002367447, Retrieved from the Internet <URL:http://web.archive.org/web/20050305191332/www.welcome-rt.com/pdf/EV_XLS_Guide_January05.pdf> [retrieved on 20060213] *

Also Published As

Publication number Publication date
FR2885715A1 (fr) 2006-11-17
BRPI0608985A2 (pt) 2010-01-12
US20090099917A1 (en) 2009-04-16
WO2006120350A2 (fr) 2006-11-16
EP1886267A2 (fr) 2008-02-13

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