Benefit management method and system for any type of bank card
First Claim
1. A method for managing rewards at the time of payment by a user (4) with a bank card (5) with a chip (6) and/or a stripe (7) during a transaction at least one affiliated merchant'"'"'s, characterized in that, application data of the user being stored (9, 9′
- ) in the chip and/or on an external remote server, and a determined promotional program being stored and/or valid at the merchant'"'"'s, when the user uses his bank card to pay at said merchant'"'"'s, the chip and/or said server is interrogated to ascertain the application data relating to this card, then any rewards already acquired are used and/or new rewards are generated as a function of said application data and of said determined promotional program of the merchant before these user application data are updated.
1 Assignment
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Accused Products
Abstract
The invention relates to a benefit management method for a user when he pays for a transaction carried out with at least one affiliated merchant by means of a bank chip and/or magnetic card. The users application data items are stored in a chip and/or in a remote external server and a determined promotional program is stored and/or available at the merchant. The inventive method consists in questioning the chip and/or the server on the application data assigned to said card, in using eventual already obtained benefits and/or in generating new benefits according to the application data and the determined promotional program of the merchant prior to updating said application data of the user.
22 Citations
16 Claims
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1. A method for managing rewards at the time of payment by a user (4) with a bank card (5) with a chip (6) and/or a stripe (7) during a transaction at least one affiliated merchant'"'"'s, characterized in that, application data of the user being stored (9, 9′
- ) in the chip and/or on an external remote server, and a determined promotional program being stored and/or valid at the merchant'"'"'s, when the user uses his bank card to pay at said merchant'"'"'s, the chip and/or said server is interrogated to ascertain the application data relating to this card, then any rewards already acquired are used and/or new rewards are generated as a function of said application data and of said determined promotional program of the merchant before these user application data are updated.
- View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system (1) for generating rewards during the payment by a user (4) with a bank card (5) with a chip (6) and/or a stripe (7) during a transaction at least one affiliated merchant'"'"'s, characterized in that it comprises a register (9, 9′
- ), called the application register, belonging to the card or to an external remote server (10) capable of storing the user application data, and in that it also comprises at said affiliated merchant'"'"'s;
a point-of-sale terminal (13) furnished with a determined promotional program, a card reader device (5′
) for paying,means (14) for interrogating the content of the application register of the chip and/or of said server in order to ascertain the application data of said user, computing means, registering means and means for generating said rewards according to said application data and said determined promotional program stored at the merchant'"'"'s, and means for erasing and/or writing in said application register new user application data according to the transaction. - View Dependent Claims (11, 12, 13, 14, 15, 16)
- ), called the application register, belonging to the card or to an external remote server (10) capable of storing the user application data, and in that it also comprises at said affiliated merchant'"'"'s;
Specification