Loyalty file structure for smart card

• US 6,549,912 B1
• Filed: 09/23/1998
• Issued: 04/15/2003
• Est. Priority Date: 09/23/1998
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Chen, Ann-Pin
• Primary Examiner(s): Corrielus, Jean M.
• Assistant Examiner(s): FLEURANTIN, JEAN B
• Application Number:
  US09/159,266
• Time in Patent Office: 1,665 Days
• Field of Search: 707/100-104, 707/1, 707/9-10, 705/40-44, 705/26, 705/10-14, 714/12, 235/375, 235/380, 235/383
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/35765 Access rights to memory zones
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: Y10S 707/99945 Object-oriented database structure processing
• CPC Class Codes: Y10S 707/99948 Application of database or data structure, e.g. distributed, multimedia, or image

Abstract

A loyalty file structure for a smart card includes any number of loyalty files preinstalled by a card manufacturer. Each loyalty file has a password, a file number, a label, an indicator of whether or not the file is currently being rented by a merchant, a length indicator, a data format indicator, and a data region. An issuer creates a unique password for each loyalty file on a card and then issues cards to customers. For customer enrollment at a point-of-sale, a merchant determines if a loyalty file is available. The merchant password is sent to the issuer on-line in real time and is returned along with authorization from the issuer to replace the password of the loyalty file with the merchant password. The file label is changed to a merchant identifier and the file is indicated as being rented. The merchant sends payment or a credit transaction to the issuer for use of the loyalty file. For use with a loyalty program, a merchant terminal finds the loyalty file of a customer'"'"'s card for that merchant and reads or updates information within that file. The loyalty file on a card is also used with electronic ticketing to store information pertaining to a purchased ticket. Upon later presentation of the card at an airline boarding gate, stored information in the loyalty file is compared with the same information downloaded from the airline host computer. A match indicates a valid purchase and a boarding pass is issued.

Claims

1. A system that facilitates implementation of a loyalty program by a merchant, said system comprising:

a smart card including a data file and an associated file password necessary to access said data file, said data file not accessible by said merchant without authorization from an issuer, said smart card being issued to a customer by said issuer;

a card reader device that reads from and writes to said smart card and is associated with said merchant;

a communications network connecting to said card reader device; and

an issuer computer under control of said issuer connected to said communications network, said issuer computer being arranged to accept a request from said merchant for access to said data file, and being further arranged to transmit an authorization to said card reader device to allow said merchant to access said data file of said smart card with the permission of said customer, said authorization operating to allow the replacement of said file password with a merchant password known to said merchant, whereby said merchant may use said data file for implementation of said loyalty program for the benefit of said customer.

2. A system as recited in claim 1 wherein said request from said merchant is sent in real time to said issuer computer and wherein said issuer computer transmits said authorization in real time back to said card reader device while said customer associated with said smart card is waiting.

3. A system as recited in claim 1 wherein said merchant transmits to said issuer a credit transaction using an existing settlement system in exchange for said authorization from said issuer.

4. A system as recited in claim 1 wherein said card reader device is a merchant terminal that includes loyalty application software for implementing said loyalty program, said merchant terminal being arranged to transmit said request to said issuer and to receive said authorization from said issuer in real time.

5. A system as recited in claim 1 wherein said data file of said smart card includes:

a file password, knowledge of which is necessary to access said data file; and

a rental indicator indicating whether or not said data file is being used by a merchant.

6. A method of enrolling a customer of a merchant in a loyalty program, said method comprising:

accepting at a card reader device associated with said merchant a smart card of said customer that has been issued by an issuer, said smart card including a data file and an associated file password necessary to access said data file, said data file not being accessible by said card reader device;

transmitting to an issuer of said smart card via a communications network a first message indicating the desire by said merchant to gain access to said data file of said smart card; and

receiving from said issuer a second message including data that allows said card reader device to gain access to said data file of said smart card with the permission of said customer, said data of said second message operating to allow the replacement of said file password with a merchant password known to said merchant, whereby said merchant may use said data file for implementation of said loyalty program for the benefit of said customer.

7. A method as recited in claim 6 wherein said elements of transmitting and receiving occur in real time while said customer is waiting.

8. A method as recited in claim 6 further comprising:

transmitting from said merchant to said issuer a credit transaction using an existing settlement system in exchange for access to said data file.

9. A method as recited in claim 6 wherein said card reader device is a merchant terminal that includes loyalty application software for implementing said loyalty program, said merchant terminal performing said elements of transmitting and receiving in real time while said customer is waiting.

10. A method as recited in claim 6 wherein said data file of said smart card includes a file password and a rental indicator, said method further comprising:

reading said rental indicator of said data file to determine that said data file is not accessible by said card reader device; and

replacing said file password of said data file with a merchant password received in said second message from said issuer, said merchant password being known to said merchant, whereby said merchant gains access to said data file.

11. A method as recited in claim 6 wherein said smart card includes a plurality of data files that have been preinstalled, said method further comprising:

searching through said data files to find said data file, said data file being available for use by said merchant; and

replacing a file password associated with said data file with a password known to said merchant, whereby said merchant gains access to said data file.

12. A method as recited in claim 6 further comprising:

accessing said first data file using said merchant password; and

updating data within said data file of said smart card with information relevant to a transaction between said customer and said merchant, whereby said merchant password allows said merchant to implement said loyalty program using said first data file.