WO1988008172A1 - Financial or computerized card - Google Patents

Financial or computerized card Download PDF

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Publication number
WO1988008172A1
WO1988008172A1 PCT/BE1988/000010 BE8800010W WO8808172A1 WO 1988008172 A1 WO1988008172 A1 WO 1988008172A1 BE 8800010 W BE8800010 W BE 8800010W WO 8808172 A1 WO8808172 A1 WO 8808172A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
logo
financial
identification
computer
Prior art date
Application number
PCT/BE1988/000010
Other languages
French (fr)
Inventor
Robert Leleu
Original Assignee
Robert Leleu
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 Robert Leleu filed Critical Robert Leleu
Publication of WO1988008172A1 publication Critical patent/WO1988008172A1/en

Links

Classifications

    • G—PHYSICS
    • G09—EDUCATION; CRYPTOGRAPHY; DISPLAY; ADVERTISING; SEALS
    • G09F—DISPLAYING; ADVERTISING; SIGNS; LABELS OR NAME-PLATES; SEALS
    • G09F23/00—Advertising on or in specific articles, e.g. ashtrays, letter-boxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/08—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
    • G06K19/10—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards

Definitions

  • bank cards or credit cards
  • These cards allow their user to have more and more services and advantages, in particular to pay for purchases of goods or services, to obtain money from automatic cash dispensers or from chets from banking establishments and the like.
  • cards all carry the identification of the network of cards in question (in Belgium for example MISTER CASH or BANCONTACT, in France CARTE BLEUE), the identification of the issuer, bank or similar, an account number of customer, his identity and various security elements intended to make it difficult to draw up copies or false cards.
  • the card is designed so that it can be read, either by imprint (embossing of the number and identity of the customer and the validity period), or by a magnetic strip or more recently, by "chips "or” chips "recognizable and legible by cash registers, cash dispensers or other machines such as automatic petrol pumps. They are generally called computer cards in the latter case.
  • a credit card is provided with the logo of a 2c fuel distributor, that of a chain of department stores, a chain of restaurants, a network of sellers. audio-visual equipment and a network of photo development services.
  • the individual points of sale of the said chain or of the said network can be completely independent and that the owners manage their business on a personal basis under the guise of a franchise system.
  • Such situations exist for example in fast food restaurants, certain services such as copying keys, repairing heels, etc.
  • the franchisor, holder of the logo by showing his logo on the card in question will favor in this way sales of the product or service to all franchisees without favoring one over the other, while other forms of advertising (billboards, advertising in local newspapers) could be considered to favor a franchisee at the expense of others, for example if the display is close to the premises of a particular franchisee.
  • the advantage of the solution of the invention is also to address a certain type of clientele (that having access to a card of the type described because it offers satisfactory financial guarantees) which allows better targeting.
  • the advertisement is also to address a certain type of clientele (that having access to a card of the type described because it offers satisfactory financial guarantees) which allows better targeting.
  • the production according to the invention of a card carrying a series of usual printed indications and, where appropriate, computerized data (magnetic strip or chip) with the printing of the logo of the merchant (s) also has the advantage of being more wide variety of colors, making it more difficult to make false cards.
  • the higher production cost is easily compensated for by asking these advertising merchants to share in the costs.
  • Use of the card with the merchant holding the logo or with a establishment approved by this merchant (in particular in the case of a franchise) can interact with this identification. In the absence of a display, reading will give statistical, accounting or other information of the type: the card bearing the logo of a fuel distributor is more often used at this particular distributor than a card bearing no no logo.
  • the display also makes it possible to appeal to the consumer, for example to thank him for his loyalty. This can be done during idle times. For example, alternating with the message: "One moment please, I am consulting your account", a display could indicate: "Thank you for your trust in channel X”.
  • the type of card of the invention allows the issuer, thanks to the financial participation of the owner of the logo, to finance cards which are more expensive in cost price, because they are more technologically advanced (substitution of the magnetic stripe by a chip in particular ).

Abstract

Financial or computerized card comprising particularly the identification of the card network, the identification of the emitter, a customer account number and the customer identity as well as various security elements to avoid falsification and machine reproducible or machine readable data, the card being characterized in that it additionally carries the logo of one or a plurality of retailers other than the card emitter or the card network. In the case where the financial card comprises a portion for recording computer data, said data recorded comprise also an identification of the quality of the retailer whose logo shows on the card, particularly in order to enable an interaction with said identification.

Description

CARTE FINANCIERE OU INFORMATIQUE FINANCIAL OR COMPUTER CARD
Arrière-plan technologiqueTechnological background
L'utilisation des cartes financières dites car¬ tes de banque ou cartes de crédit s'est développée de a- nière importante ces dernières années. Ces cartes permet¬ tent à leur utilisateur de disposer de services et d'avan¬ tages de plus en plus nombreux notamment pour régler des achats de biens ou de services, obtenir de l'argent dans des distributeurs automatiques de billets ou à des gui- chets d'établissements bancaires et similaires.The use of financial cards known as bank cards or credit cards has grown significantly in recent years. These cards allow their user to have more and more services and advantages, in particular to pay for purchases of goods or services, to obtain money from automatic cash dispensers or from chets from banking establishments and the like.
Ces cartes portent toutes l'identification du réseau de cartes en cause (en Belgique par exemple MISTER CASH ou BANCONTACT, en France CARTE BLEUE), l'identifica¬ tion de l'émetteur, banque ou similaire, un numéro de com- pte de client, son identité et différents éléments de sé¬ curité destinés à rendre difficile l'établissement de co¬ pies ou de fausses cartes. La carte est conçue de manière à permettre sa lecture, soit par empreinte (embossage du numéro et de l'identité du client et du délai de validi- té), soit par une piste magnétique ou depuis plus récem¬ ment, par des "puces" ou "chips" reconnaissables et lisi¬ bles par des caisses enregistreuses, des distributeurs de billets ou d'autres machines telles que des pompes à essence automatiques. Elles sont généralement appelées cartes informatiques dans ce dernier cas.These cards all carry the identification of the network of cards in question (in Belgium for example MISTER CASH or BANCONTACT, in France CARTE BLEUE), the identification of the issuer, bank or similar, an account number of customer, his identity and various security elements intended to make it difficult to draw up copies or false cards. The card is designed so that it can be read, either by imprint (embossing of the number and identity of the customer and the validity period), or by a magnetic strip or more recently, by "chips "or" chips "recognizable and legible by cash registers, cash dispensers or other machines such as automatic petrol pumps. They are generally called computer cards in the latter case.
Certaines de ces cartes comportent un numéro de code secret enregistré et connu de l'utilisateur, des¬ tiné à éviter une utilisation abusive de la carte en cas de perte ou de vol. Parallèlement au développement des cartes, des commerçants de plus en plus nombreux de la grande distri¬ bution ou du commerce classique se sont équipés de caisses reliées à un ordinateur central. En effet, les modèles _ les plus évolués d'équipements offrent une garantie quasi¬ ment absolue d'être payé et de plus, le virement au compte du commerçant est pratiquement immédiat. Objet de l'inventionSome of these cards have a secret code number registered and known to the user, intended to avoid improper use of the card in the event of loss or theft. At the same time as the development of cards, more and more merchants from the large distribution and traditional trade have equipped themselves with cash registers linked to a central computer. Indeed, the most advanced models of equipment offer an almost absolute guarantee of being paid and, moreover, the transfer to the merchant's account is practically immediate. Subject of the invention
L'invention concerne des modifications apportées -, 0 aux cartes du type décrit afin de les rendre plus attrayantes, sans grands frais supplémentaires.The invention of the changes -, 0 the type described cards to make them more attractive, without great additional cost.
Actuellement en effet, en dépit du nombre élevé de commerçants qui acceptent les cartes de 1'un ou 1'autre réseau, l'utilisateur n'est pas systématiquement certain , que sa car.te sera honorée. Pour des achats qui s'opèrent à cadence régulière, par exemple achats de carburant, achats dans de grandes surfaces etc..., il serait intéres¬ sant pour les commerçants en cause de susciter le réflexe d'achat par exemple d'une marque particulière de carburant 20 ou le déplacement vers une chaîne particulière de grandes surfaces.Currently, in fact, despite the large number of merchants who accept cards from one or the other network, the user is not systematically certain that his card will be honored. For purchases that take place at a regular rate, for example fuel purchases, purchases in supermarkets etc., it would be interesting for the merchants in question to arouse the reflex of purchasing, for example, a brand particular fuel 20 or moving to a particular chain of large areas.
On sait d'ailleurs que la publicité répétitive vise à créer ce "réflexe" et à l'entretenir en fidélisant la clientèle. 95 Solution proposée par l'invention.We also know that repetitive advertising aims to create this "reflex" and to maintain it by building customer loyalty. 9 5 Solution proposed by the invention.
Afin de provoquer et d'entretenir la réaction précitée, il est proposé selon l'invention de pourvoir les cartes du type prémentionné du logo d'un ou de plu¬ sieurs commerçants, autres que l'émetteur de la carte ou 2 du réseau de cartes, ce qui garantit à l'utilisateur que ladite carte de crédit sera acceptée dans le ou les ré¬ seaux de vente desdits commerçants.In order to cause and maintain the aforementioned reaction, it is proposed according to the invention to provide cards of the type mentioned with the logo of one or more merchants, other than the issuer of the card or 2 of the network of cards, which guarantees the user that said credit card will be accepted in the sales network (s) of said merchants.
On peut donc imaginer à titre d'exemple qu'une carte de crédit soit pourvue du logo d'un distributeur 2c de carburant, de celui d'une chaîne de grands magasins, d'une chaîne de restaurants, d'un réseau de vendeurs de matériel audio-visuel et d'un réseau de service de déve¬ loppement de photos. Il convient de noter que les points de vente individuels de ladite chaîne ou dudit réseau peuvent être totalement indépendants et que les propriétaires gèrent leur affaire à titre personnel sous le couvert d'un sys¬ tème de franchise. De telles situations existent par exem- pie dans la restauration rapide, certains services tels que copies de clés, réparation de talons etc.. Dans un tel cas, le franchiseur, titulaire du logo, en faisant apparaître son logo sur la carte en question favorisera de cette manière les ventes du produit ou du service en faveur de tous les franchisés sans favoriser l'un par rap¬ port à l'autre, alors' que d'autres formes de publicité (affichage, publicité dans les journaux locaux) pourraient être considérées comme favorisant un franchisé au détri¬ ment des autres, par exemple si l'affichage est proche du local d'un franchisé particulier.We can therefore imagine, for example, that a credit card is provided with the logo of a 2c fuel distributor, that of a chain of department stores, a chain of restaurants, a network of sellers. audio-visual equipment and a network of photo development services. It should be noted that the individual points of sale of the said chain or of the said network can be completely independent and that the owners manage their business on a personal basis under the guise of a franchise system. Such situations exist for example in fast food restaurants, certain services such as copying keys, repairing heels, etc. In such a case, the franchisor, holder of the logo, by showing his logo on the card in question will favor in this way sales of the product or service to all franchisees without favoring one over the other, while other forms of advertising (billboards, advertising in local newspapers) could be considered to favor a franchisee at the expense of others, for example if the display is close to the premises of a particular franchisee.
L'intérêt de la solution de l'invention est éga¬ lement de s'adresser à un certain type de clientèle (celle ayant accès à une carte du type décrit parce qu'elle offre des garanties financières satisfaisante) ce qui permet de mieux cibler la publicité.The advantage of the solution of the invention is also to address a certain type of clientele (that having access to a card of the type described because it offers satisfactory financial guarantees) which allows better targeting. The advertisement.
La réalisation selon l'invention d'une carte portant une série d'indications imprimées habituelles et le cas échéant de données informatisées (piste magnétique ou puce) avec l'impression du logo du ou des commerçants présente également l'intérêt d'une plus grande diversité de couleurs rendant ainsi plus difficile la réalisation de fausses cartes. Le coût de réalisation plus élevé est facilement compensé en demandant à ces commerçants annon¬ ceurs une participation aux frais. Selon une forme d'exécution particulièrement intéressante de l'invention, il est possible d'inclure dans la partie comportant des données informatisées de la carte (piste magnétique ou puce) une identification de la qualité du commerçant titulaire du logo. Cette in- formation peut être lue par un lecteur pour être affichée ou non par le dispositif lecteur. L'utilisation de la car¬ te auprès du commerçant titulaire du logo ou auprès d'un établissement agréé par ce commerçant (en particulier dans le cas d'une franchise) peut interagir avec cette identi¬ fication. En l'absence d'affichage, la lecture donnera des informations statistiques, comptables ou autres du type: la carte portant le logo d'un distributeur de carbu- rant est plus souvent utilisée chez ce distributeur parti¬ culier qu'une carte ne portant pas de logo.The production according to the invention of a card carrying a series of usual printed indications and, where appropriate, computerized data (magnetic strip or chip) with the printing of the logo of the merchant (s) also has the advantage of being more wide variety of colors, making it more difficult to make false cards. The higher production cost is easily compensated for by asking these advertising merchants to share in the costs. According to a particularly advantageous embodiment of the invention, it is possible to include in the part comprising computerized data of the card (magnetic strip or chip) an identification of the quality of the merchant holding the logo. This information can be read by a reader to be displayed or not by the reader device. Use of the card with the merchant holding the logo or with a establishment approved by this merchant (in particular in the case of a franchise) can interact with this identification. In the absence of a display, reading will give statistical, accounting or other information of the type: the card bearing the logo of a fuel distributor is more often used at this particular distributor than a card bearing no no logo.
L'affichage permet de plus d'interpeller le con¬ sommateur, par exemple pour le remercier de sa fidélité. Ceci peut se faire pendant les temps morts. Par exemple, en alternance avec le message: "Un instant svp, je consul¬ te votre compte", un affichage pourrait indiquer: "Merci de votre confiance à la chaîne X".The display also makes it possible to appeal to the consumer, for example to thank him for his loyalty. This can be done during idle times. For example, alternating with the message: "One moment please, I am consulting your account", a display could indicate: "Thank you for your trust in channel X".
Il est également possible de favoriser des clients particuliers en associant l'utilisation de la car- te portant un logo spécifique, par le biais d'une inter¬ vention au niveau des données informatisées. Ceci peut se traduire par exemple par un service particulier (dé¬ compte de la consommation de carburant de marque X, dé¬ compte des produits achetés dans un type particulier" de commerce) ou encore par une ristourne ou la participation à un événement sportif ou un spectacle etc... , en fonction du chiffre d'affaires réalisé par l'utilisateur de la car¬ te portant le logo spécifique.It is also possible to favor particular customers by associating the use of the card bearing a specific logo, by means of an intervention at the level of computerized data. This can take the form, for example, of a particular service (accounting for brand X fuel consumption, accounting for products purchased in a particular type of " trade") or even a discount or participation in a sporting event or a show etc ..., depending on the turnover made by the user of the card carrying the specific logo.
Le type de carte de 1' invention permet à 1'émet- teur, grâce à la participation financière du propriétaire du logo de financer des cartes plus onéreuses en prix de revient, car plus avancées technologiquement (substitution de la piste magnétique par une puce notamment).The type of card of the invention allows the issuer, thanks to the financial participation of the owner of the logo, to finance cards which are more expensive in cost price, because they are more technologically advanced (substitution of the magnetic stripe by a chip in particular ).
Il doit être bien entendu que de nombreuses va- riantes d'exécution sont possibles dans le cadre de l'in¬ vention. Celle-ci n'est en particulier pas limitée à une disposition particulière des logos sur la carte, ni à des types particuliers de logos et bien entendu pas à un type particulier d'activité liée à un titulaire spécifique d'un logo. Il est clair que des liens contractuels doivent être établis entre les émetteurs de carte et les titulaires dont les logos sont repris sur la carte. Il serait en particulier nécessaire de veiller à ce que l'utilisateur soit assuré d'une garantie de pouvoir utiliser largement sa carte auprès des commerçants affichant le logo particulier. It should be understood that many variants of execution are possible within the framework of the invention. This is in particular not limited to a particular arrangement of the logos on the card, nor to particular types of logos and of course not to a particular type of activity linked to a specific holder of a logo. It is clear that contractual links must be established between the card issuers and the holders whose logos are reproduced on the card. He would be in In particular, it is necessary to ensure that the user is assured of a guarantee of being able to use their card widely with merchants displaying the particular logo.

Claims

REVENDICATIONS
1. Carte financière ou informatique comportant notamment l'identification du réseau de carte, l'identifi¬ cation de l'émetteur, un numéro de compte de client et son identité ainsi que différents éléments de sécurité pour éviter la falsification et des informations lisibles ou reproductibles par machine, caractérisée en ce qu'elle porte de plus le logo d'un ou plusieurs commerçants, autres que l'émetteur de la carte ou le réseau de carte.1. Financial or computer card comprising in particular the identification of the card network, the identifi¬ cation of the issuer, a customer account number and his identity as well as various security elements to prevent falsification and legible information or machine reproducible, characterized in that it also carries the logo of one or more merchants, other than the card issuer or the card network.
-]_Q . 2. Carte financière ou informatique selon la revendication 1 comportant une partie permettant d'enre¬ gistrer des données informatiques, caractérisée en ce que les données informatiques enregistrées comportent une identification de la qualité du commerçant titulaire du-] _ Q. 2. Financial or computer card according to claim 1 comprising a part making it possible to record computer data, characterized in that the recorded computer data include an identification of the quality of the merchant holding the
*L5 logo.* L5 logo.
3. Carte financière ou informatique selon la revendication 2 caractérisée en ce que l'utilisation de la carte auprès du commerçant titulaire du logo ou auprès d'un établissement agréé par ce commerçant interagit avec3. Financial or computer card according to claim 2 characterized in that the use of the card with the merchant holding the logo or with an establishment approved by this merchant interacts with
20 ladite identification.20 said identification.
4. Carte financière ou informatique selon la revendication 3 caractérisée en ce que l'utilisation de la carte provoque un affichage dans un appareil de lecture à l'intention de l'utilisateur ou un enregistrement sta-4. Financial or computer card according to claim 3 characterized in that the use of the card causes a display in a reading device for the user or a static recording.
25 tistique, comptable ou autre, destiné au commerçant titu¬ laire du logo.25 tistics, accounting or other, intended for the merchant holding the logo.
3030
35 35
PCT/BE1988/000010 1987-04-13 1988-04-11 Financial or computerized card WO1988008172A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
LU86843A LU86843A1 (en) 1987-04-13 1987-04-13 FINANCIAL OR COMPUTER CARD
LU86843 1987-04-13

Publications (1)

Publication Number Publication Date
WO1988008172A1 true WO1988008172A1 (en) 1988-10-20

Family

ID=19730906

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BE1988/000010 WO1988008172A1 (en) 1987-04-13 1988-04-11 Financial or computerized card

Country Status (2)

Country Link
LU (1) LU86843A1 (en)
WO (1) WO1988008172A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0545580A2 (en) * 1991-12-05 1993-06-09 Mitsubishi Denki Kabushiki Kaisha Portable storage and portable storage verifying device and method

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB806134A (en) * 1956-12-07 1958-12-17 Addressograph Multigraph Imprinting device for imprinting identification data on credit transactions
US4443027A (en) * 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
US4597814A (en) * 1983-11-22 1986-07-01 U.S. Banknote Corporation Method for manufacturing card with three-dimensional label incorporated therein

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB806134A (en) * 1956-12-07 1958-12-17 Addressograph Multigraph Imprinting device for imprinting identification data on credit transactions
US4443027A (en) * 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
US4597814A (en) * 1983-11-22 1986-07-01 U.S. Banknote Corporation Method for manufacturing card with three-dimensional label incorporated therein

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0545580A2 (en) * 1991-12-05 1993-06-09 Mitsubishi Denki Kabushiki Kaisha Portable storage and portable storage verifying device and method
EP0545580A3 (en) * 1991-12-05 1993-07-07 Mitsubishi Denki Kabushiki Kaisha Portable storage and portable storage verifying device and method

Also Published As

Publication number Publication date
LU86843A1 (en) 1988-12-13

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