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
  • G06Q20/04—Payment circuits
  • G06Q20/045—Payment circuits using payment protocols involving tickets
• • 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
• • 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
  • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
  • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
  • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
• • 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
  • G06Q20/38—Payment protocols; Details thereof
  • G06Q20/387—Payment using discounts or coupons
• • 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
  • 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
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
  • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
  • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Definitions

• the present invention relates to a data storage and processing system making it possible to store, process and consult data during a purchase operation by a user equipped with a mobile phone or a digital assistant, and this in order to obtain advantages for example after a certain number of visits to one or more merchants, or after the purchase of a certain number of articles or a minimum amount of expenditure accumulated in a given period.
• It also relates to a method of storing and processing data with a mobile phone or digital assistant.
• Loyalty systems are already known which make it possible to obtain a discount, a coupon or a gift after x visits, y items purchased or z francs spent.
• Incentives can, for example, be made through a paper or cardboard card which must be stamped or punched with each transaction.
• the present invention will make it possible to overcome these drawbacks by proposing a system for storing, processing and consulting data within the framework of a loyalty program, responding better than those previously known to the requirements of practice in particular in that it sets up an infrastructure to optimally manage the behavioral data that conditions obtaining a coupon. Thanks to the invention, the consumer will benefit with his mobile phone or digital assistant, loyalty programs from merchants. He can thus receive advantages in the form of reduction coupons or promotional offers in his telephone or his digital assistant himself.
• a portable tool (mobile phone or digital assistant), an instrument for the general public, allows consumers to participate in the merchant loyalty program.
• the merchant will use the consumer's portable tool himself to store information and behavioral data concerning him, which will condition the issuance of benefits, without having to create a specific storage medium such as a loyalty card.
• the mobile phone or digital assistant are indeed portable, secure and mass-distributed objects, which offer many more possibilities than a simple card.
• the mobile phone and the digital assistant are also connected instruments, equipped with a keyboard and a screen, which will be able to be used to allow the consumer to access the information concerning its purchase history and its rights.
• the invention notably proposes a system for storing and processing data during a purchase operation by a consumer, characterized in that it comprises at least one mobile tool (mobile phone or digital assistant) provided with 'a keyboard, associated with said consumer and at least one point of sale terminal, in that the mobile tool and the terminal include means for exchanging data between them during said purchase operation, in that the mobile tool comprises means for storing behavioral data and consumer loyalty, means for updating this behavioral data and loyalty as a function of data coming from the terminal and means for transmitting to said terminal, data corresponding to this update, in that the terminal includes means for issuing advantages in the case of compliance with certain predetermined conditions on the data corresponding to this update, and in that the mobile tool comprises means of navigation and display of behavioral data and consumer loyalty from the keyboard of said mobile tool.
• the mobile tool comprises means for navigation and display of behavioral data and consumer loyalty from the keyboard of said mobile tool.
• the system comprises a network of remote servers and the mobile tool and / or the point of sale terminal sales include transmission means for communicating with said network and for displaying on the screen of the mobile tool and / or of the terminal, data linked to the consumer's purchase history and / or his reduction rights, gifts and other bonuses;
• the means of transmission between the mobile tool and the terminal are at least partly means transmitting and receiving radio waves, or infrared;
• the means of transmission include, integrated into the mobile tool, means for receiving voice or digital messages, means for transmitting voice or digital messages to the network of servers, said network of servers comprising means for converting voice messages in digital data and processing of said digital data messages; - the means of transmitting voice or digital messages are sent to an internet address and include means allowing direct dialing of said address from the keyboard of the mobile tool;
• the system includes means for automatically calling the mobile tool by the network of servers in case of connection of the mobile tool with the point of sale terminal.
• the invention also provides a method of storing and processing data during a purchase transaction by a consumer provided with a mobile tool comprising a keyboard, in the presence of a point of sale terminal, characterized in that : behavioral data and consumer loyalty data are stored in a memory of the mobile tool, the amount of the purchase and the information necessary for updating the data are transferred to the mobile tool from the terminal behavioral and loyalty, we update said data according to a determined algorithm, we transfer the updated data to the terminal, from the mobile tool, and we issue an advantage from the terminal in favor of the consumer .
• the consumer visualizes the behavioral and loyalty data relating to him by navigating from the keyboard of said mobile tool.
• the data is transmitted between the mobile tool and the terminal by radio or infrared waves.
• the algorithm for updating data is transmitted to the terminal via a network of centralized information servers.
• the advantage is emitted by display on a screen belonging to the terminal and / or in the form of paper coupons.
• the advantage is sent and stored in the memory of the mobile tool for later use.
• data linked to the consumer's purchase history and / or their benefit rights is sent from the network of servers, and displayed on the screen of the mobile tool and / or of the terminal.
• a voice or digital message is transmitted to an internet email address by connection to the internet network by directly dialing said email address from the keyboard of said mobile tool or automatically via the terminal or not.
• the terminal which enters into communication with the telephone or equivalent, is arranged to verify that the latter is indeed provided with the loyalty program of the sign.
• Figure 1 is a schematic view of the system according to an embodiment of the invention.
• FIGS. 2A to 2C give examples of consultation screens of a mobile telephone used in the context of an embodiment of the invention.
• FIG. 1 shows a system 1 comprising a mobile tool 2, for example a mobile telephone, provided with a data memory 3 (SIM card and / or its own memory) and a point of sale terminal 4 constituted here by a payment terminal.
• a mobile tool 2 for example a mobile telephone
• a data memory 3 SIM card and / or its own memory
• a point of sale terminal 4 constituted here by a payment terminal.
• the point of sale terminal can also be different, for example a kiosk, a vending machine, etc.
• the system 1 also includes one or more remote servers 5, of PC type, ensuring the functions of: transmission of the loyalty parameters to the payment terminal (double arrow 6), collection of relative data loyalty transactions (double arrow 6), transmission to the mobile tool 1 (double arrow 7) of the data necessary for viewing on a screen or display 8 of the mobile tool 2, information relating to the obtaining of the advantages
• the mobile tool 1 comprises electronic modules 9 and 10 for communication (double arrows 6 and 11) with the information server (s) 5 on the one hand and with the payment terminal 3 on the other go.
• These modules are known in themselves and allow communication by infrared waves (diodes, etc.) and / or radio waves (transmitter / receiver etc.).
• the tool comprises interface means 12 comprising one or more communication protocols between the mobile tool 1, the payment terminal 4 and / or the servers 5, for example one or more of the following transmission protocols:
• SMS Short Message Service
• GSM Global System for Mobile communications
• Bluetooth (radio frequency exchange),” Bluetooth "is a short-range wireless transmission standard known to those skilled in the art. Recall that today equipment implementing this standard can communicate with each other in a radius of the order of ten meters with flow rates of IMbits / s.
• the mobile tool also includes a main module 13, comprising a processor implementing the necessary software, ensuring in particular the following functions:
• a navigation tool 15 comprising a keyboard for example formed by a digital liquid crystal screen.
• the objective is to increase the amount of purchases in the brand of the merchant (s) concerned.
• Electronic coupons are issued in the mobile tool in real time at the payment terminal, when the consumer has reached the desired reward threshold.
• the program consists of four scenarios which correspond to increasing reward thresholds.
• the emission rules and the content of the program are as follows: A drink offered from $ 15 of purchases.
• FIGS. 2A to 2C give examples of screens that can be displayed on a mobile tool (for example a mobile phone) allowing the consultation of the status (behavioral data) of the consumer (purchase and legal history) in different programs established by traders , and implementing the invention.
• the conditions for obtaining coupons are explicitly displayed on the screen of the mobile phone.
• Figure 2A gives an example of a program based on a frequency of monthly visits.
• Screens 20, 22 and 24 successively show the selection of the Burger program "(screen 20) by the consumer using conventional means of navigation, the current status with the period of validity (screen 22) and the display of the benefit received or to be received by the consumer (screen 24) on a scale.
• Figure 2B gives an example of a program based on the cumulative amount of purchases.
• FIG. 2C shows an example of a program based on the number of products bought in the month (here pizzas).
• Screens 32, 34 and 36 show the selection of the free pizza program (screen 32), the current status (screen 34) and the visualization of the benefit on a scale (screen 36).
• FIG. 1 An example of operation of the system according to the embodiment of the invention more particularly envisaged here, with a mobile telephone 2, at a merchant provided with a payment terminal 4.
• the terminal 4 When a consumer comes to a point of sale and makes a purchase, the amount of the transaction and the information necessary to update the data in the mobile phone 1 are transmitted by the terminal 4.
• the initialization of the communication (arrow 11) between the mobile telephone 1 and the terminal 4 is carried out for example by simple pointing
• communication by short message requires the composition of a telephone number to establish the connection and the exchange of information (for example the consumer dials his telephone number on the keypad of the merchant's payment terminal. ).
• the communication between the terminal 4 and the mobile telephone 1 takes place thanks to the communication module 10 via the protocol interface 12.
• the Main Module 13 recovers the information transmitted by the terminal 4 and updates the behavioral data in the Memory 3. Then the Main Module 13 returns the accumulated data which conditions the issue of the benefit to the payment terminal 4.
• the terminal 4 transmits the advantage by simple display on the screen or by printing it.
• the transmission of the loyalty parameters to the terminal 4 and the remote collection of the transactions from the terminal is done here thanks to one or more centralized information servers 5, via the link 6 for example via the Internet, or by satellite.
• the Main Module 13 accesses the information contained in the Memory 3 of the telephone 2. When the information contained in the memory is exhaustive, the latter distributes this data to the Display and Navigation Module 14.
• the Main Module 13 obtains the missing information by means of a remote interrogation of the Information Server 5 via the Communication Module 9 and the Protocol Interface 12. The Main Module 13 then reconciles the information from Memory 3 with those from Server 5, then distributes them to the Display and Navigation Module 14.
• the Display and Navigation Module 14 After receiving this data, the Display and Navigation Module 14 performs their formatting and transmits them to the Display 8 for viewing. These data can then be consulted by the wearer by means of the Navigation Tool 15, for example a keyboard.
• the operator's name (or an identifier allowing it to be retrieved),
• a carrier identification number (such as a subscription number)
• Demographic information such as date of birth, address, ...
• Biometric information such as the size of the wearer, ...
• the file called RFM Recency Frequency Amount: It stores the history of purchasing behavior for each of the merchants frequented by the holder of the mobile phone. It is structured in records, each record containing information specific to a merchant's loyalty program (s) (or several when the loyalty program is common to several merchants). Each record contains: - An identification number for the loyalty program,
• the cumulative number of items purchased from this merchant (eg # pizzas).
• the present invention is not limited to the embodiment more particularly described. On the contrary, it embraces all of the following ones, in particular those in which the advantages presented to the consumer in the form of electronic coupons are downloaded to their portable or digital assistant by the decoder of a television when viewing television programs.

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Engineering & Computer Science (AREA)
• Finance (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• General Business, Economics & Management (AREA)
• Development Economics (AREA)
• Marketing (AREA)
• Game Theory and Decision Science (AREA)
• Economics (AREA)
• Entrepreneurship & Innovation (AREA)
• Computer Networks & Wireless Communication (AREA)
• Management, Administration, Business Operations System, And Electronic Commerce (AREA)
• Cash Registers Or Receiving Machines (AREA)
• Telephonic Communication Services (AREA)
• Mobile Radio Communication Systems (AREA)
• Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (3)

Publications (1)

Family

ID=8856770

Family Applications (1)

Country Status (17)

Cited By (1)

Families Citing this family (9)

Family Cites Families (15)

• 2000
  • 2000-11-22 FR FR0015094A patent/FR2817101B1/fr not_active Expired - Lifetime
• 2001
  • 2001-11-21 RU RU2002122750/09A patent/RU2303814C2/ru not_active IP Right Cessation
  • 2001-11-21 EP EP01997762A patent/EP1337954A1/de not_active Withdrawn
  • 2001-11-21 JP JP2002545414A patent/JP2004514989A/ja active Pending
  • 2001-11-21 BR BR0108026-1A patent/BR0108026A/pt not_active Application Discontinuation
  • 2001-11-21 US US10/181,720 patent/US20030018488A1/en not_active Abandoned
  • 2001-11-21 WO PCT/FR2001/003664 patent/WO2002042961A1/fr active IP Right Grant
  • 2001-11-21 NZ NZ520550A patent/NZ520550A/en not_active IP Right Cessation
  • 2001-11-21 KR KR1020027009371A patent/KR100842593B1/ko not_active IP Right Cessation
  • 2001-11-21 CN CN01803927A patent/CN1395710A/zh active Pending
  • 2001-11-21 MX MXPA02007093A patent/MXPA02007093A/es active IP Right Grant
  • 2001-11-21 PL PL01356660A patent/PL356660A1/xx not_active Application Discontinuation
  • 2001-11-21 CZ CZ20022551A patent/CZ20022551A3/cs unknown
  • 2001-11-21 CA CA002397888A patent/CA2397888A1/fr not_active Abandoned
  • 2001-11-21 AU AU22000/02A patent/AU785251B2/en not_active Ceased
• 2002
  • 2002-07-19 NO NO20023466A patent/NO323313B1/no not_active IP Right Cessation
• 2003
  • 2003-07-09 HK HK03104922.2A patent/HK1052572A1/zh unknown

Non-Patent Citations (1)

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