Payment device

• US 7,021,531 B2
• Filed: 07/10/2002
• Issued: 04/04/2006
• Est. Priority Date: 07/13/2001
• Status: Expired due to Fees

• Current Assignee: Maxcard Company SPRL, Yves D.E. Myttenaere
• Original Assignee: Maxcard Company SPRL, Yves D.E. Myttenaere
• Inventors: Myttenaere, Yves De
• Primary Examiner(s): Fureman, Jared J.
• Assistant Examiner(s): Trail, Allyson N
• Application Number:
  US10/483,337
• Publication Number:
  US 20040188516A1
• Time in Patent Office: 1,364 Days
• Field of Search: 235/380, 235/379, 705/14, 705/41, 705/65, 705/1, 705/16, 705/53
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment device including an input unit arranged to receive first data taken from a medium and identifying a user who will proceed with a payment for a purchase which he has made, the input unit being arranged to be connected to a first terminal intended to be placed at a point of sale, the first terminal having a data input intended to receive second data concerning the purchase, the first terminal arranged to communicate the first and second data to a second terminal intended to be placed with a financial body which will be responsible for making the payment on behalf of the user, the device also comprising a third terminal placed at a payment management center, the third terminal arranged to manage the communication between the first and second terminals, the third terminal having a first calculation unit arranged to process payments in cash and a second calculation unit arranged to process payments in compensatory value from a non-financial credit accumulated by the user, the input unit (2) provided with selection means for indicating either a payment mode in cash or a payment mode in compensatory value and to produce a first control signal if the payment mode in cash is selected and a second control signal if the compensatory value mode is chosen, the third terminal also being arranged to receive the first and second control signals and to execute the payment under the control of the second control signal and to transmit the first and second data to the second terminal under the control of the first control signal.

Claims

1. A payment device comprising an input unit for receiving first data taken from a medium and identifying a user who will proceed with a payment for a purchase, said input unit arranged for connection to a first terminal to be located at a point of sale, said first terminal having a data input for receiving second data concerning said purchase, said first terminal communicating the first and second data to a second terminal placed with a financial body which is responsible for making payment on behalf of the user, a third terminal placed at a payment management center, said third terminal managing communication between the first and second terminals, said third terminal having a first calculation unit for processing payments in cash and a second calculation unit for processing payments in compensatory value from a non-financial credit accumulated by the user, said input unit being provided with a selector to indicate either a payment mode in cash or a payment mode in compensatory value and to produce a first control signal if the payment mode in cash is selected and a second control signal if the compensatory value mode is chosen, said third terminal also receiving the first and second control signals and executing payment under control of the second control signal and to transmit the first and second data to the second terminal under the control of the first control signal.

2. The payment device of claim 1, wherein said third terminal comprises an input for receiving third data relating to management of the payments in compensatory value and a memory linked to said input and arranged to store the third data, said memory connected to said second calculation unit performs said processing on the basis of the third data.

3. The payment device of claim 1 or 2, wherein said second calculation unit comprises a generator for units of compensatory value arranged to produce on a basis of the first and second data a non-financial credit amount and to account for the non-financial credit, said generator of compensatory value being neutralized under a control of said second control signal.

4. The payment device of claim 1 or 2, wherein said first data comprise a first field arranged so as to enter therein a first identification identifying an owner of the medium and a second field arranged to enter therein a second identification identifying a body with which the owner is associated, said selector reading said first data and present to said user a choice between the first and second identification and to produce a third control signal indicating the choice for which the user has opted.

5. The payment device of claim 1 or 2, wherein said second calculation unit comprises a generator for units of compensatory value arranged to produce on a basis of the first and second data a non-financial credit amount and to account for the non-financial credit, said generator of compensatory value being neutralized under a control of said second control signal and wherein said first data comprise a first field to enter therein a first identification identifying an owner of the medium and a second field to enter therein a second identification identifying a body with which the owner is associated, said selector reading said first data and present to said user a choice between the first and second identification and to produce a third control signal indicating the choice for which the user has opted and wherein said compensatory value generator receives said third control signal and produces said non-financial credit amount also on the basis of said third control signal.

6. The payment device of claim 1 or 2, wherein said first data comprise a third field arranged to enter therein a third identification identifying at least one financial body, said selector reading said third identification and presenting to said user a choice between financial bodies included in said third identification and communicating the choice of the financial body to said third terminal.

7. The payment device of claim 1 or 2, wherein said first terminal comprises a display unit and an interrogation device connected together, said interrogation device interrogating said second calculation unit on said non-financial credit associated with the first data and transmitting the non-financial credit to the display unit to display said non-financial credit.