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    METHODS AND SYSTEMS FOR DISPLAYING Loyalty Program Information on a Credit Card PAYMENT.The present invention relates to a method for displaying the loyalty program information on a payment card that uses a computer attached to a database. The payment card includes a processing device attached to a display screen. The method includes receiving, on the computer, a request message from the loyalty program that includes payment card identification data. The payment card identification data is associated with the payment "card. The method also includes determining that the payment card is registered in a loyalty program based on the payment card identification data and data of the cardholder account stored in the database. The method also includes electronically generating a loyalty program response message that includes loyalty program update data. The method additionally includes transmitting the loyalty program update data computer to the payment card for display as loyalty program information on the display screen.
    公开号:BR112012006643A2
    申请号:R112012006643-9
    申请日:2010-09-23
    公开日:2020-11-03
    发明作者:Garret Delos Lehman
    申请人:Mastercard International Incorporated；
    IPC主号:
    专利说明:

    7 Invention Patent Descriptive Report for "METHODS AND SYSTEMS FOR DISPLAYING LOYALTY PROGRAM INFORMATION ON A PAYMENT CARD".
    BACKGROUND OF THE INVENTION The field of the present invention generally relates to the use of payment cards by consumers or cardholders in the payment industry, and more particularly, to a payment card configured to receive and display payment information. payment card loyalty program as part of an electronic payment transaction Ú At least some well-known merchants accept electronic payment transactions as an alternative to discount payment for products and services. In such electronic payment transactions, a payment card can be used. Examples of payment cards include credit cards, debit cards, full invoice payment cards, accumulated value cards, gift cards, and prepaid cards, as well as other types of cards. Payment cards are only linked to a consumer or cardholder account that is backed by a card-issuing bank or loan institution. These lending institutions may have loyalty programs that provide incentives to consumers or cardholders. These incentives are designed to improve revenue and profitability for lending institutions by giving their customers a reason to use their payment cards more often. With more transactions being processed, there is a greater chance of increased revenue for the issuer.
    Loyalty programs typically consist of paying a percentage of a qualified sale back to the consumer or cardholder in the form of monetary or non-monetary units that are accumulated in each consumer or cardholder account. Consumers or cardholders can eventually redeem these TT — incentives vu can-automatically-receive-a-program reward- | a loyalty program, for example, as a credit to your cardholder account or through the issue of a separate prepaid card to the cardholder. Examples of incentives include cash, points, airline miles, gift cards, coupons, etc. that accumulate in the consumer's or cardholder account. Although the loyalty programs themselves are designed to attract consumers to a specific payment card program, due to the wide variety of loyalty programs designed to attract consumers to a specific payment card program, incentives and / or additional resources are desired in order to attract consumers to a payment card program and to maintain their use of the payment card. IS The ability to track and use these incentives is beneficial to x the cardholder. For example, it is beneficial for a cardholder to be able to track and use the points he has accumulated as part of using his payment card. It would be beneficial for the cardholder to have a payment card configured to display points, or other incentives, on one side of the payment card so that the cardholder knows how many points they have for use with a card. payment transaction.
    BRIEF DESCRIPTION OF THE INVENTION In one aspect, a method for displaying loyalty program information on a payment card that uses a computer coupled to a database is provided. The payment card includes a processing device attached to a display screen. The method includes receiving a loyalty program request message on your computer that includes payment card identification data. The payment card identification data is associated with the payment card. The method also includes determining that the payment card is registered in a loyalty program based on the payment card identification data and the cardholder account data stored in the database. The method also includes generating electroni- |
    . loyalty program update data. The method additionally includes transmitting the update data from the computer's loyalty program to the payment card to display as loyalty program information on the display screen.
    In another aspect, a network-based system is provided for displaying loyalty program information on a payment card. The system includes a computer system, a point of interaction device (POI) communicatively coupled to the computer system, and a payment card. The payment card is configured to transmit data to the computer system and to receive data from the computer system via the POI device. The payment card Ú includes a display screen and a payment card communication device each coupled to a processing device. The display screen is configured to display loyalty program information. In another aspect, a payment card is provided for use in an electronic payment transaction. The payment card includes a display screen, a processing device attached to the display screen, and a wireless communication device attached to the processing device. The wireless communication device is configured to transmit identification data from the payment card and to receive update data from the loyalty program. The update data of the loyalty program is sent from the processing device to the display on the display screen. In yet another aspect, a method is provided to display the reward information from the loyalty program on a payment card issued to a cardholder. The method is performed using a computer coupled to a database and in communication with a point of service (POS) terminal. The payment card includes a display and stores the payment card identification data. The method comprises displaying an option to request an update to the loyalty program on the POS terminal, and receiving the data on the computer |
    . loyalty program from the POS terminal, selecting the option to request the loyalty program update. The method further includes determining, via the computer, an amount of reward points accumulated by the cardholder based on the identification data received from the payment card, and transmitting the reward point data to the cardholder to the POS terminal to display the amount of reward points accumulated by the cardholder on the payment card display.
    BRIEF DESCRIPTION OF THE DRAWINGS Figures 1 to 9 show the exemplary modalities of the methods and systems described herein.
    'Figure 1 is a schematic diagram illustrating an exemplary payment card authorization system that includes a point of interaction controlled by a merchant, an issuing bank or issuing card, and a transaction processor that interconnects the point of interest. - feed and the card issuer; Figure 2 is a schematic diagram illustrating an exemplary multi-part payment card industry system to enable ordinary card payment transactions in which co-merchants and card issuers do not necessarily have a direct relationship; Figure 3 is a simplified block diagram of an exemplary computer system for processing card payment transactions in accordance with an embodiment of the present invention; Figure 4 is an expanded block diagram of an exemplary modality of a server architecture of a computer system for processing card payment transactions in accordance with an embodiment of the present invention; Figure 5 illustrates an exemplary configuration of a client system shown in figures 3 and 4; Figure 6 illustrates an exemplary system configuration |
    7 Figure 7 is an illustration of an example payment card configured to display the loyalty program data that can be used as part of the system illustrated in Figure 3; Figure 8 is a data flow diagram illustrating data communication between the payment card shown in figure 7 and the point of sale terminal shown in figures 1 and 2; and Figure 9 is a flow diagram illustrating an exemplary method for displaying loyalty program information on your payment card.
    DETAILED DESCRIPTION OF THE INVENTION The following detailed description illustrates the modalities of the invention by way of example and not by way of limitation. It is contemplated that a. invention has general application for financial transaction data by a third party in industrial, commercial and residential applications.
    As used in the present, an element or step recited in the singular and proceeded with the word "one" or "one" should be understood as elements or steps in the plural that do not exclude, unless such an exclusion is explicitly recited. Furthermore, references to the “a modality” of the present invention are not intended to be interpreted as excluding the existence of additional modalities that also incorporate the recited resources.
    Figure 1 is a schematic diagram of an exemplary payment card authorization system 10 that includes an interaction point (POI) 20 controlled by a merchant 22, a card issuer or issuing bank 30, and a transaction processor 40 that interconnects the POI 20 and the card issuer 30. The merchant's POI 20 generally includes one or more of a point of sale (POS) terminal 44, a telephone 46, and / or a website of the merchant 48, via the which electronic payment authorization requests are initiated. In the exemplary mode, the issuing bank 30 includes a database (not shown in figure 1) for storing account information. As described above, each card |
    - Cardholder account data is stored in the database and accessed when a cardholder presents a payment card in order to complete a transaction.
    More specifically, in an exemplary embodiment, a merchant authorization request message 50 is generated at the merchant's POI 20 which is sent to transaction processor 40 and sent to card issuer 30 as an authorization request message. 52. Upon verification of a cardholder account situation, card issuer 30 responds to transaction processor 40 with an authorization response message 54 that is received by transaction processor 40 and forwarded to merchant POI 20: as an authorization reply message 56 to merchant 22. ç With respect to payment card authorization system 10, a cardholder account number is entered in the merchant environment with which the cardholder is doing business through the POI of the merchant 20 in order to obtain the authorization reply message 56. As described above, this conventionally includes one or more of the ports cardholders who give their payment card to a merchant to pass or type at the merchant's POS terminal 44, the cardholder or the merchant who initiates a phone call from the phone 46 to enter a card account number, the cardholder cardholder swipes his card at the merchant's POS terminal 44, or the merchant or cardholder who inserts the account number associated with the financial transaction card on the merchant's website 48. Payments for approved transactions are managed with the card issuer or merchant acquirer (not shown in figure 1) based on the card payment network or other specific closed environment.
    In the exemplary modality, the payment card authorization system 10 generally includes the POI 20, the card issuer 30, and the transaction processor 30 on a closed communication network, such that the authorization request message 50 and 52 remains in the authorization system |
    7 and 56 also remain in the payment card authorization system 10.
    In the example, the payment card authorization system 10 can also use a configured payment card to supply the payment card data to the POS 44 terminal through the use of a wireless system. the wireless system may include, but is not limited to, a radio frequency identification (RFID) system, a cellular communication system, a Bluetooth communication system, a near field communication system, or any other system suitable wireless communication that allows the payment card authorization system 10 to function as described herein. (Bluetooth is a trademark of Bluetooth SIG, Inc. of Bellevue, Wa- + shington, USA). For example, the RFID system can include an RFID device on the payment card and an RFID reader positioned at the POS terminal
    44. In this modality, the payment card wirelessly transmits the payment card data to the POS 44 terminal in order to initiate the payment transaction. The payment card authorization system 10 can use a variety of different types of payment cards offered as payment by the customer. Payment cards, also referred to herein as financial transaction cards, can refer, for example, to credit cards, debit cards, and prepaid cards. These cards can all be used as a payment method to perform a transaction. As described herein, the term “financial transaction card” or “payment card” includes cards, such as credit cards, debit cards, and prepaid cards, but it also includes any other devices that may retain payment account information, such as cell phones, personal digital assistants (PDAS), and remote control keys. For example, when a customer is offering a prepaid card (for example, a store gift card) as payment for products, the card identification information |
    7 authorization request message 50 for transaction processor 40. Transaction processor 40 can access a company] database (not shown in figure 1) to determine a remaining balance on the prepaid card, and returns the authorization reply message
    56. In some instances, no bank and / or financial institution is involved in authorizing the electronic payment transaction. In another example, when a customer is offering a credit card or debit card as payment for products, the transaction processor 40 may be in communication with one or more banks and / or financial institutions (for example, card issuer 30 ) to obtain authorization reply message 54, of which authorization reply message 56 is generated.
    - Figure 2 is a schematic diagram 60 illustrating an exemplary multipart payment card industry system 62 to enable ordinary card payment transactions, in which a merchant 70 and a card issuer 72 do not necessarily have a direct relationship. The methods and systems described herein described refer to a payment card system, such as a credit card payment system that uses the MasterCardO exchange. MasterCardO's exchange is a registered communications standard promulgated by MasterCard International Incorporated & for the exchange of financial transaction data between financial institutions that are members of MasterCard International IncorporatedO. (MasterCard is a registered trademark of MasterCard International Incorporated located in Purchase, New York, USA).
    In a typical multi-party payment card system, a financial institution called an “issuer” 72 issues a payment card, such as a credit card, to a cardholder 74, who uses the payment card to offer payment by a merchant payment 70. In order to accept payment with a payment card, Merchant 70 normally has to establish an account with |
    ] This financial institution is usually called the “merchant bank” 76 or the “acquisition bank” or “acquiring bank”. When cardholder 74 presents payment for a purchase with the payment card, Merchant 70 requests authorization from merchant bank 76 for the amount of the purchase.
    This request can be performed by telephone 46 (shown in figure 1), but it is usually performed through the use of the POS 44 terminal (shown in figure 1). The pos 44 terminal reads the payment card identification information, for example, from a magnetic stripe on the payment card or a wireless device on the payment card, and communicates electronically with the merchant bank's transaction processing computers 76. Alternatively, the merchant's bank 76 may authorize a third party (not shown in Figure 2) to perform the processing of the transaction on your behalf.
    In this case, the POS 44 terminal will be configured to communicate with the third party.
    Talterceiro is usually called a "merchant processor" or a
    “Acquisition processor.”
    Using an exchange network 78, the computers of the merchant bank 76 or the merchant processor will communicate with the computers of the issuing bank 72 to determine whether the cardholder's account is in a good position and whether the purchase is covered credit line available to the cardholder.
    Based on these determinations, the application for authorization will be denied or accepted.
    If the request for authorization is accepted, an authorization code is issued to merchant 70 via an authorization reply message.
    dog
    In the case of a credit card, when an authorization request is accepted, the available credit line of the cardholder account 80 is decreased.
    Usually, a charge is not posted immediately to the cardholder's account because bank card associations, such as MasterCard International IncorporatedO, have published rules that do not allow the merchant 70 to upload, or “capture”, an
    |
    7 gues. When merchant 70 sends or delivers the products or services, merchant 70 captures the transaction by, for example, appropriate data entry procedures at the POS 44 terminal. If the cardholder cancels a transaction before being captured, a “ empty ”is generated. If the cardholder returns the products after the transaction has been captured, a “credit” is generated.
    In the case of a prepaid card, when an authorization request is accepted, an available remaining balance on the prepaid card can be immediately reduced by the authorized purchase quantity.
    For debit card transactions, when a request for a personal identification number (PIN) authorization is proven by issuer 72, the balance of the cardholder's account is decreased. Typically, a charge is posted immediately to a cardholder account. The association of the bank card then transmits the approval to the acquisition processor for the distribution of products / services, or the information or money in the case of an automatic teller machine (ATM).
    After an electronic payment transaction is captured, the transaction is established between merchant 70, merchant bank76, and issuer 72. The merchant refers to the transfer of financial data or funds between a transaction account merchant 70, merchant bank 76, and issuer 72 related to the transaction. Usually, transactions are captured and accumulated in a "batch", which are established as a group.
    As described above, a payment card can be associated with a loyalty program that offers cardholder 74 an incentive to use this payment card. In some examples of loyalty programs, the loyalty program may be offered and implemented by merchant 70. For example, merchant 70 can issue a payment card from the store to cardholder 74 and agree that when the cardholder 74 load a thousand dollars on the payment card |
    7 merchant 70. These loyalty points can then be used for rewards or discounts on other purchases. In other examples, issuer 72 'can issue a payment card to cardholder 74 and agree that cardholder 74 will receive a payment reward equal to a percentage of the amount of each purchase that cardholder 74 payment card in exchange for using the payment card. More specifically, issuer 72 monitors the total cost of purchases that cardholder 74 pays to use the payment card, and determines the amount of money that cardholder 74 will have credited as the payment reward. Typically, loyalty program information, for example, a total amount of loyalty points and / or a loyalty program balance, is provided to cardholder 74 as part of a monthly statement or invoice. The loyalty program information can also be accessed by the 74 cardholder through a merchant and / or issuer website.
    Figure 3 is a simplified block diagram of an exemplary method of a payment card system 100 for processing card payment transactions. The payment card system 100 can be used by account holders as part of a process to initiate an authorization request and transaction, as well as a request to update the loyalty program, as described below.
    More specifically, in the example embodiment, system 100 includes a server system 112, and a plurality of client subsystems, also referred to as client systems 114, connected to server system 112. In one embodiment, the client 114 systems are computers that include a web browser, such that server system 112 is accessible to client 114 systems using the Internet. Client 114 systems can be interconnected to the Internet through a variety of interfaces that include a network, such as a local area network (LAN) or a wide area network (WAN), dial-up connections, modems |
    ] 114 could be any device capable of interconnecting to the Internet that includes a network-based telephone, personal digital assistant (PDA), or] other connectable equipment based on the network. System 100 also includes a point of sale (POS) terminal 115, which is connected to client systems 114 and can be connected to server system 112. POS terminal 115 can be interconnected to the Internet via a variety of interfaces that include a network, such as a local area network (LAN) or a wide area network (WAN), dial-up connections, cable modems, wireless modems, cell communications, and high-speed ISDN lines special. The POS 115 terminal can be any device capable of interconnecting to the Internet and reading the information on a consumer financial transaction card. Although - illustrated as including a POS terminal 115, system 100 can include any number of POS terminals and operate as described in the present.
    A database server 116 is connected to database 120, which contains information on a variety of subjects, as described in more detail below. In one embodiment, centralized database 120 is stored on server system 112 and can be accessed by potential users on one of client systems 114 by connecting to server system 112 through one of client systems 114. In an alternative modality, database 120 is stored remotely to server system 112 and can be non-centralized. Database 120 can store the transaction data generated as part of the sales activities conducted by the payment card system 100 that include data related to merchants, account holders or customers, and purchases. Database 120 can also store data related to a list of merchants, for example, merchant 70 (shown in figure 2), and corresponding merchant identifiers from merchants who participate in brand association programs with a network of exchange, for example, Fr network—— - —— interchange 78 - (shown-in-figure-2) -The database120-can also —————— |
    'store a list of product codes, and various information describing the object of a transaction, such as object identification characteristics, the financing terms for the object, an object size, and a price per unit of the object .
    In the exemplary embodiment, one of customer 114's systems can be associated with a buyer, for example, merchant's bank 76 (shown in figure 2), while another of customer 114's systems can be associated with a issuer, for example, issuer 72 (shown in figure 2). In addition, the POS 115 terminal can be associated with the merchant 70, and the server system 112 can be associated with the interchange network 78. Figure 4 is an expanded block diagram of an exemplary mode of a server architecture. a card system. payment method 122 to process card payment transactions. The components in system 122, identical to the components of system 100 (shown in figure 3), are identified in figure 4 using the same numerical references as those used in figure 3. System 122 includes server system 112, systems client 114, and POS terminal 115. Server system 112 additionally includes database server 116, application server 124, network server 126, fax server 128, directory server 130, and a mail server 132. A disk storage unit 134 (that is, a storage device) is coupled to database server 116 and directory server 130. Disk storage unit 134 can be configured to store a database, for example, database 120 (shown in figure 3). Servers 116, 124, 126, 128, 130, and 132 are coupled to a local area network (LAN)
    136. In addition, a system administrator workstation 138, a user workstation 140, and a supervisor workstation 142 are attached to LAN 136. Alternatively, workstations 138, 140, and 142 are connected to LAN 136, for example, using an Internet link 144 or are connected via an Intranet. |
    7 staff equipped with a web browser.
    Although the functions performed on the workstations are typically illustrated as being performed on the respective workstations 138, 140, and 142, such functions can be performed on one of several personal computers attached to LAN 136. Workstations 138 , 140, and 142 are illustrated as being associated with separate functions just to facilitate an understanding of the different types of functions that can be performed by individuals who have access to LAN 136. Server system 112 is configured to be coupled in a communicative way to the various individuals, including employees 146 and third parties, for example, account holders, customers, auditors, etc., 148] who use an ISP 150 Internet connection. Communication in the modality. example is illustrated as being performed using the Internet 144, however, any other communication of the wide area network (WAN) type can be used in other modalities, that is, the systems and processes are not limited to be practiced using Internet 144. In addition, instead of WAN 152, local area network 136 could be used in place of WAN 152. In the exemplary mode, any authorized individual who owns workstation 154 can access the system 122. At least one of the customer's systems includes a manager workstation 156 located in a remote location.
    In the exemplary mode, workstations 154 and 156 are personal computers equipped with a web browser.
    Also, workstations 154 and 156 are configured to communicate with server system 112. In addition, fax server 128 communicates with remotely located client systems, which includes client system 114 that uses a phone link.
    The fax server 128 is configured to communicate with other workstations 138, 140, and 142 as well.
    As used herein, the terms “software” and “firmware” are interchangeable, and include any computer program stored in memory for a run by personal computers; —Õ—— stations |
    7 work, clients and servers, which includes RAM, ROM, EPROM, EEPROM, and non-volatile RAM (N-VRAM). The types of memory above are only exemplary, and are therefore not limiting as to the types of memory usable for storing a computer program.
    Figure 5 illustrates an exemplary configuration of a user computing device 160 operated by a user 162. User computing device 160 can include, but is not limited to, client systems 114, 138, 140 , and 142, terminal POS 115, workstation154, and manager workstation 156 (shown in figure 4).
    User computing device 160 includes a processor 164 for executing instructions. In some embodiments, executable instructions are stored in a memory area 166. Processor 164 can include one or more processing units (for example, in a multi-core configuration). The memory area 166 is any device that allows information, such as executable instructions and / or written tasks, to be stored and retrieved. The memory area 166 may include one or more computer-readable media.
    User computing device 160 also includes at least one media output component 168 to present information to user 162. Media output component 168 is any component capable of delivering information to user 162. In some modalities Also, the media output component 168 includes an output adapter, such as a video adapter and / or an audio adapter. An output adapter is operatively coupled to the 164 processor and operably coupled to an output device, such as a display device (for example, a liquid crystal display (LCD), organic LED display ( OLED), or “electronic ink” display), or an audio output device (for example, a speaker or headset).
    In some embodiments, the user's computing device |
    - river 162. Input device 170 may include, for example, a keyboard, a scoring device, a mouse, a pen, a touch panel (for example, a touch pad or a touch screen) , a gyroscope, an accelerometer, a position detector, or an audio input device.
    A single component, such as a touchscreen, can function both as an output device for the media output component 168 and an input device 170. User computing device 160 can also include a communication interface 172, which can be communicated to a remote device, such as server system 112 (shown in figure 4). The communication interface 172 may include, for example, a wired or wireless network adapter or a wireless data transceiver. for use with a mobile phone network (for example, the global system for mobile communications (GSM), 3G) or another mobile data network (for example, worldwide interoperability for microwave access (WIMAX)). Stored in the memory area 166 are, for example, computer-readable instructions for providing a user interface to the user 162 via the media output component 168 and, optionally, receiving and processing input from input device 170. A user interface can include, among other possibilities, a web browser and client application.
    Network browsers make it possible for users, such as user 162, to view and interact with media and other information typically embedded on a network page or website on the 112 server system. A client application allows user 162 to interact with a server application from the server system 112. Figure 6 illustrates an exemplary configuration of a server computing device 180, such as the server system 112 (shown in figure 4). The computing device of server 180 may include, but is not limited to, database server 116, application server 124, network server 126, fax server 128, directory server 130, and the mail server 132. |
    7 processor 182 to execute the instructions. Instructions can be stored in an area of memory 184, for example. Processor 182 may include one or more processing units (for example, in a multi-core configuration). Processor 182 is operably coupled to a communication interface 186 such that the computing device of server 180 is capable of communicating with a remote device, such as user computing device 160 (shown in figure 5) or another device compute from server 180. For example, communication interface 186 can receive requests from client system 114 via the Internet, as shown in figure 4. 'Processor 182 can also be operatively coupled - to storage device 134 Storage device 134 is any computer-operated hardware suitable for storing and / or retrieving data. In some embodiments, storage device 134 is integrated into server computing device 180. For example, server computing device 180 may include one more hard drive as storage device 134. In other embodiments , storage device 134 is external to server computing device 180 and can be accessed by a plurality of server 180 computing devices. For example, storage device 134 may include multiple storage units. grandchildren, such as hard disks or solid state disks in a redundant array configuration for economical disks (RAID). Storage device 134 may include a storage area network (SAN) and / or a networked storage system (NAS).
    In some embodiments, processor 182 is operably coupled to storage device 134 via a storage interface 188. Storage interface 188 is any component capable of providing processor 182 with access to storage device 134. The interface 188 may include, |
    7 Serial ATA (SATA) adapter, a Small Computer System Interface (SCSI) adapter, a RAID controller, a SAN adapter, a network adapter, and / or any component that provides processor 182 access to the storage device 134.
    Figure 7 is an illustration of an example payment card 200 for use by a customer as part of an electronic payment transaction. For example, payment card 200 can be used as part of the closed payment card authorization system 10 (shown in figure 1) and / or as part of the multi-part payment card system 62 (shown in figure 2) , as well as other variations of payment card transaction systems. In the exemplary mode, payment card 200 includes a flexible body 210. Typically, flexible body 210 is dimensioned according to a standard, for example, standards promulgated by the International Organization for Standardization (ISO) and the International Electrotechnical Commission (IEC). More specifically, ISO / IEC 7810: 2003 ID-1 specifies a size for payment cards of 85.60 mm by 53.98 mm. In addition, ISO / IEC 7813 specifies that a payment card compatible with ID-1 has a thickness of 0.76 mm and rounded corners with a radius of 3.18 mm. Although ISO / IEC defines a standardized size for payment cards, it must be understood that the methods and systems described herein can be performed with a payment card of any shape or size that allows the payment card 200 interact with the POS 115 terminal (shown in figure 3) as described in the present. The flexible body 210 may include indications, for example, but not limited to, of a payment card account number 212, a customer account name 214, and an expiration date 216, displayed on flexible body 210 and / or embossed on flexible body 210. In the exemplary embodiment, the payment card 200 includes a wireless communication device 220, a digital display screen 230, and a processing device 240. In the exemplary embodiment, the |
    The processing device 240 is at least partially sealed in the flexible body 210. In the exemplary embodiment, the processing device 240 is coupled to the wireless communication device 220. In an alternative embodiment, the wireless communication device 220 is included in processing device 240. In addition, processing device 240 can also include a memory unit 242, or alternatively, can be coupled to memory unit 242. The term processing device or processor, as used at present, refers to central processing units, microprocessors, microcontrollers, reduced instruction set circuits (RISC), application specific integrated circuits (ASIC), logic circuits, and any-: any other circuit or processor capable of performing the described functions. in the present.
    In the exemplary mode, the digital display screen 230 is coupled to the processing device 240. In the exemplary mode, the digital display screen 230 is a light-emitting diode (LED) screen, a diode display screen organic light emitter (OLED), or any other suitable type of display screen that enables payment card 200 to function as described herein.
    In exemplary fashion, processing device 240 provides digital display screen 230 with a signal, which is converted into a visual display by digital display screen 230. Payment card 200 may also include a power source 250 included in flexible body 210. Power source 250 can be coupled with wireless communication device 220, digital display screen 230, and / or processing device 240. In an exemplary mode, the power source 250 force is a battery.
    In an alternative embodiment, power source 250 is a capacitive storage device, although power source 250 can be any suitable power source that is capable of supplying power to payment card 200 so that the payment card 200 can operate as described herein.
    In some alternative modalities, the card |
    'example, first digital display screen 230 and second digital display screen 244. The multiple display screens 230 and 244 can make it easier to display more data than a single display screen.
    As described above, payment card data can be supplied to a POS terminal, for example, POS 44 terminal, through the use of a wireless system. the wireless communication device 220 can be included in a radio frequency identification (RFID) communication system, a cellular communication system, a Bluetooth & communication system, or any other suitable communication system that allows payment card 200 to function as described herein. In the exemplary embodiment, the wireless communication device 220 of the payment card 200 is an RFID device. The RFID 220 device can be included as part of an RFID communication system (not shown in figure 7). At least some known RFID communication systems include a transponder (ie, RFID 220 device) and a transceiver with a decoder, or a reader (described below with reference to figure 8). The transponder typically includes a radio frequency integrated circuit (RF), and an antenna positioned on a substrate, for example, flexible body 210. The antenna wirelessly receives the RF energy from the reader and transmits the data encoded in the received RF energy to the circuit integrated RF. RF readers use an antenna as well as a transceiver and decoder. In certain embodiments, when the RFID 220 device passes through an electromagnetic zone of a reader, the RFID 220 device is activated by the antenna signal. The reader decodes the data at the transponder and this decoded information is sent to a host computer for processing. In an exemplary embodiment, a reader, also referred to as an interrogator, is included in the POS 115 terminal (shown in figure 3). Several different types of transponders are used in RFID systems, which include passive, semi-passive and active transponders |
    ' read write.
    Passive transponders obtain the operating strength of the RF signal from the reader that interrogates the transponder.
    Semi-passive and active transponders are powered by a battery, which generally results in a longer reading range.
    Semi-passive transponders can operate a timer and periodically transmit the information to the reader.
    Transponders can also be activated when they are read or interrogated by a reader.
    Active transponders can initiate communication, while passive and semi-passive transponders are activated only when they are read by another private device.
    first.
    Figure 8 is a data flow diagram 300 that illustrates the data communication between payment card 200 (shown in figure 7) and the POS 115 terminal (shown in figure 3). More specifically, the data flow diagram 300 illustrates the data flow between the merchant's POS terminal 115 and a payment card, for example, payment card 200 from a cardholder, such as one discussed in Figure 1, or card holder 74 (shown in figure 2). In the exemplary embodiment, the POS 115 terminal includes a reader 310, for example, an RFID reader. although described herein as an RFID reader, reader 310 may include a cellular receiver, a magnetic stripe reader, or any other type of device that allows payment card information to be inserted into the POS 115 terminal. In the exemplary mode, when payment card 200 is positioned a predetermined distance from the POS 115 terminal, the strength of reader 310 energizes the RFID220 device. In response, the RFID 220 device transmits 320 a signal to reader 310 which includes the payment card identification information.
    Payment card identification information may include, but is not limited to, a customer account number, a unique identifier, cardholder identification data, and issuing bank identification data .
    The POS 115 terminal works as described above and requests an authorization for a purchase inserted at the end!
    TT POS +15; for example; by-trader70- (shown-in-figure-2) -Alén ——— | In addition, the POS 115 terminal transmits 324 the loyalty program data: to the payment card 200, which is supplied 326 to the digital display screen 230 for display.
    In an alternative mode, the POS 115 terminal also transmits 324 an account identifier to the payment card 200. The account identifier uniquely identifies the cardholder's account.
    Processing device 240 compares the account identifier to the stored data to prevent loyalty program data associated with another account from being displayed on the display screen.
    230. digital data: Loyalty program data includes data that may be of interest to a cardholder.
    Several scenarios exist in the card payment industry today, where the card issuer has a special or personalized relationship with a specific merchant or group of merchants.
    These special or personalized relationships can, for example, include private label program programs, brand association programs, private card brands, reward programs, and others.
    These special or personalized relationships can also be referred to as loyalty programs that typically involve rewarding loyalty points to a cardholder based on certain incentive actions taken by the cardholder, such as the purchase of a certain amount of money. products or services of a particular merchant.
    Loyalty points can be referred to by a particular loyalty program as “reward points”, “reward dollars”, “reward miles” or other descriptive names.
    The cardholder then has the option to redeem his or her accumulated loyalty points according to the rules of the loyalty program to obtain better terms for a transaction later on.
    The costs of providing such cardholder loyalty program incentives may be borne only by the issuer, together with the issuer and a merchant or third party, or only by a merchant or third party, depending on the type and sponsorship of the loyalty program. .
    Methods and
    |
    'other payment cards and payment card systems by immediately supplying the loyalty program information during and / or after the purchase via a digital display screen, for example, digital display screen 230. One Since many cardholders have several payment cards in their wallets or purses, the methods and systems described herein can attract the attention of the cardholder and provide the cardholder with a reason to use the payment card.
    200 instead of another payment card.
    In one mode, loyalty points are updated and displayed on payment card 200 after a purchase is authorized.
    For example, the card issuer 30 (shown in figure 1) may include data for updating the loyalty points in the reply message from - authorization 54, which is then provided for display on the payment card 200. Loyalty points can be displayed on the digital display screen 230 for a predetermined length of time, or until the next time the loyalty points are updated.
    In another way, loyalty points are displayed on the digital display screen 230 before a payment transaction, upon a request to update loyalty points.
    Updating the loyalty points displayed on the digital display screen 230 can influence the use of the payment card by a cardholder, for example, by providing a visual incentive to use the payment card and also by facilitating the use of the loyalty points accumulated by the cardholder.
    Fig. 9 is a flow diagram 400 illustrating an exemplary method 402 for displaying loyalty program information on a payment card, for example, payment card 200 (shown in figure 7). In the exemplary embodiment, method 402 includes storing 404 cardholder account information in a database, for example, database 120 (shown in figure 3). The information of the cardholder may include, but is not limited to, an issuing bank, a current balance, an available balance, registration data in the - ficteti - r-balance-do-proarama-de-fidalidade-associated. The
    |
    'each payment card issued.
    That of the cardholder's account is as-. associated with at least one payment card, for example, payment card 200. Cardholder account information may include information related to pending transactions, as well as transactions made
    In the exemplary embodiment, method 402 also includes presenting a 406 payment card for use in an electronic payment card transaction (for example, an electronic payment for products or services and / or a request for program information of loyalty). For example, cardholder 74 (shown in figure 2) can present payment card 200 to merchant 70 406 and request an update to their loyalty program balance, Method 402. also includes reading 408 the payment card identification information from the payment card 200. For example, merchant 70 can manually enter the payment card identification information, or automatically read the payment card identification information from the payment card. payment 200 using, for example, the POS 115 terminal (shown
    shown in figure 3). In the exemplary embodiment, method 402 includes receiving 410 a request message from the loyalty program.
    For example, the loyalty program request message can be sent from the POS 115 terminal to the 112 server. In an exemplary embodiment, the loyalty program request message includes the payment card identification data associated with the payment card. 200, For example, server 112 (shown in figure 3) can receive the payment card identification data read from the payment card 200. As described above, the payment card identification data connects the card of payment to cardholder account information stored in database 120. Payment card identification data may include, for example, an account number, a unique identifier, cardholder identification data, and / or one
    | í In the example mode, in addition to the identification data. payment card details, electronic payment transaction data is also received 412 at server 112 after being sent from POS 115 terminal. For example, after deciding to make a purchase at merchant 70, cardholder 74 can present 406 payment card 200 to the merchant 70 as payment for the purchase. Electronic payment transaction data may include merchant identification data, a payment amount for the requested transaction, and / or descriptive data for the merchandise that is purchased. in other words, the POS 115 terminal can transmit the payment card identification data and the electronic payment transaction data to the server] 112. the combination of the payment card identification data and - the data Electronic payment transaction information can also be referred to as an electronic payment authorization request message, for example, the authorization request message 50 (shown in figure 1).
    In the exemplary mode, method 402 also includes processing 414 the electronic payment authorization request message 50. In the exemplary mode, server 112 processes 414 the authorization request message 50 received from the merchant 70 and from - ends an authorization response. The authorization response includes one of an acceptance of payment and a denial of payment, which is included in an authorization response message, for example, authorization response message 54 (shown in figure 1). for example, when a credit card is offered as payment for a product or service, server 112 determines whether the cardholder account associated with the credit card has a credit limit available high enough to cover the requested electronic payment. when a debit card or prepaid card is offered as a payment for a product or service, server 112 determines whether the cardholder account associated with the payment card has a remaining balance high enough to pa- |
    of authorization 54 in accordance with those provisions.
    : As an example, method 402 also includes determining 416 if the payment card offered is associated with a loyalty program. As described above, the cardholder can be enrolled in a loyalty program in which incentives are provided to the cardholder for using payment card 200. In the example, the loyalty program that the cardholder is installing crito rewards loyalty points. In the exemplary mode, the loyalty program enrollment data is a type of account information that is stored in the 120 database. In the example mode, the loyalty program request message includes an indicator, for example. example, a marker and / or indicator data in a particular field. The presence of the indicator informs the server 112 that payment card 200 may be registered in a loyalty program. Server 112 accesses cardholder account information stored in database 120 to determine 416 enrollment in the loyalty program. In the exemplary mode, method 402 also includes determining 418 data for updating the loyalty program. The loyalty program update data may include a current loyalty program balance stored in database 120. Alternatively, the loyalty program update data may also be based at least partially on the payment transaction data. electronic equipment. For example, server 112 can determine 418 whether the electronic payment transaction qualifies the loyalty program benefits based at least partially on the electronic payment transaction data.
    As described above, loyalty programs often reward cardholders for making qualifying purchases using a specific payment card. The definition of a qualified purchase may include, for example, a purchase from a specific dealer and / or a purchase of a specific type of product. For example, a |
    , that the cardholder makes a purchase from Merchant A using the corresponding payment card.
    The cardholder is able to use the payment card from merchants other than Merchant A, but the cardholder will not receive loyalty points based on those purchases.
    In this example, server 112 can determine whether the purchase included in the authorization request message qualifies for loyalty points. More specifically, server 112 determines that loyalty points will be awarded if the request message for au-
    authorization is received from Merchant A.
    In an alternative modality, a loyalty program can reward a cardholder based on what is being purchased.
    For example, loyalty points can be rewarded. when a cardholder uses the payment card to purchase medical supplies.
    The cardholder is able to use the payment card to purchase products and services other than medical supplies, however, the cardholder will only receive loyalty points based on purchases of medical supplies.
    By authorizing an electronic payment transaction, the loyalty points for the cardholder can be increased and updated based on the approved quantity of eligible electronic purchases.
    More specifically, if the authorization request message is approved, and the purchase qualifies for the loyalty program associated with payment card 200, server 112 determines 418 the loyalty program update data.
    For example, server 112 can determine 418 a number of available loyalty points, an available loyalty program balance, a loyalty program balance before the instant electronic payment transaction, and / or a loyalty program balance subsequent to the instant electronic payment transaction.
    In the exemplary mode, the card issuer 72 (shown in figure 2) determines418 the update data for the loyalty program.
    In alternative modalities, depending on which entity maintains the
    |
    "exchange 78 can determine 418 the loyalty program update data.
    In the exemplary mode, method 402 also includes generating 420 a response message from the loyalty program. The loyalty program response message includes the loyalty program update data. The loyalty program response message can be included in an electronic payment authorization response message, for example, authorization response message 54 (shown in figure 1). The electronic payment authorization reply message 54 also includes either a payment authorization or a denial of payment. Method 402 may also include transmitting 422 loyalty program update data to payment card 200 to display as loyalty program information in a payment card display, for example, the payment card display screen. payment card 230 (shown in figure 7). In the exemplary mode, the loyalty program update data is transmitted from server 112 to terminal POS 115, and from terminal 115 to payment card 200 to display as the program update information. payment card display screen 230. In an exemplary mode, the POS 115 terminal indicates to the cardholder that the loyalty program update data is available, and requests that the cardholder present the payment card. payment in order to receive the loyalty program update data. As described above, data can be transmitted between the POS terminal 115 € 0 200 payment card using a wireless system. once the loyalty program update data is received by payment card 200, the loyalty program update information is displayed on the display screen 230. In the exemplary mode described above, server 112 is described as performing many steps of method 402. In the exemplary mode, server 112 is associated with emitter 72 (shown in |
    7 exchange 78, to the merchant's bank 76, or to any other party en-. developed in the multi-part payment card industry system 62 (shown in figure 2). In addition, several steps of method 402 can be performed by different parts. For example, sender 72 can process414 an electronic payment authorization request message and transmit an electronic payment authorization response message to interchange network 78. Interchange network 78 can then determine 418 the loyalty program update data based at least partially on the electronic payment authorization reply message. in other alternative modalities, server 112 is associated with transaction processor 40 (shown in figure 1), or] any other party involved in a closed payment card authorization system, such as the payment card authorization system payment 10 (shown in figure 1).
    In the example, the loyalty program update information displayed on the digital payment card display screen 230 includes a total balance of the loyalty points accumulated by the cardholder. In an alternative mode, the display screen 230 is capable of displaying more than one value that corresponds to the loyalty program update information. Alternatively, payment card 200 may include more than one display screen, for example, display screens 230 and 244 (shown in figure 7). In the alternative mode, display screen 230 is configured to display a total of loyalty points previously removed and display screen 244 is configured to display a number of loyalty points earned after completing the current transaction. When displaying more than one value, more information can be presented to the cardholder. In an alternative embodiment, method 402 may include providing 424 an option to request an update to the loyalty program for the cardholder through of the POS 115 terminal. For example, the POS 115 terminal may display a message instructing the cardholder |
    7 cardholder would like to receive an update on the loyalty program.
    Method 402 also includes receiving 426, from POS 115 terminal, payment card identification data and a loyalty program update request signal on server 112. In selecting the loyalty program update request option, the POS 115 terminal generates the loyalty program request message and transmits the payment card identification data and the loyalty program request message to server 112. For example, it can be beneficial for a cardholder to know a current number of loyalty points associated with his payment card to make a purchase.
    The methods and systems described in this section make it easy to provide data: updating the loyalty program to a payment card pa-. to display on the payment card upon request by the cardholder.
    In an exemplary form, the cardholder presents 4060 payment card for use in an electronic payment transaction (for example, a request for loyalty program information). The payment card identification data is read 408 by the POS 115 terminal and the cardholder selects an option to request the loyalty program update provided 424 by the POS115 terminal. The payment card identification data and the message 426 requests are received, for example, at server 112. As described above, server 112 then determines 416 whether the payment card is associated with a loyalty program and determines 418 program update data of loyalty.
    The loyalty program update data is transmitted 422 to the payment card for display as the loyalty program update data on the digital payment card display screen.
    In another alternative modality, periodically or upon request, server 112 facilitates the transmission of update data from the loyalty program through long-range communication, for example, but not limited to, cellular communications and
    |
    'payment 200.
    . In an alternative modality, method 402 may also include receiving 428 a signal to use the loyalty balance. For example, an option to use the loyalty balance can be presented to the cardholder via the POS 115 terminal. Upon selection by the cardholder and / or the merchant, a sign of use of the loyalty balance can be generated by the POS terminal 115 and transmitted, for example, to server 112. The option to use the loyalty balance allows the cardholder to immediately use the stored reward from the loyalty programs, for example, to reduce the cost of the instant transaction. Server 112 can also determine 418 loyalty program update data based on the loyalty points used. More specifically, the. server 112 can reduce a cardholder loyalty program balance after the cardholder chooses to use some or all of the loyalty program balance. Server 112 can also generate 420 a loyalty response message that includes the new and lower loyalty program balance.
    In addition, data transmitted wirelessly using the methods and systems described herein are encrypted and in accordance with a protocol that is consistent with the capabilities of the payment card and the POS terminal. encryption facilitates preventing communication between the payment card and a POS terminal that is either unknown to the cardholder or not approved by the cardholder. As will be seen from the previous descriptive report, the above described modalities of the invention can be implemented using computer programming or engineering techniques that include software, firmware, computer hardware or any combination or subset of them, in which the The technical effect of the systems and processes described herein is achieved by creating a network-based system to display loyalty program information on a payment card. The effect of the technique is also achieved with a method for displaying the information |
    'the resulting program, which has computer-readable code means, can be incorporated or provided in one or more computer-readable means, thereby making a computer program product, that is, a manufacturing article, according to the discussed modalities of the invention. Computer-readable media can be, for example, but are not limited to, a fixed (hard) drive, floppy disk, optical disc, magnetic tape, semiconductor memory, such as read-only memory (ROM), and / or any means of transmission / reception, such as the Internet or other communication or link network. The article of manufacture containing the computer code can be made and / or used when executing the code directly from a medium, when copying the code from one medium to another medium, or 'when transmitting the code over a network.
    . The above-described modalities of the methods and system for displaying loyalty program update information on a payment card provide a cost-effective and reliable means of providing loyalty program update information to a cardholder. More specifically, the methods and systems described in the present provide a cardholder with an updated total of prepaid card balances and / or loyalty program information. In addition, the methods and systems described herein can facilitate increasing the use of the payment card by providing an attractive differentiation from other payment cards. This written description uses examples to reveal the invention, which includes the best mode, and also allows anyone versed in the art to practice the invention, including making and using any devices or systems and performing any built-in methods. The patentable scope of the invention is defined by the claims, and may include other examples that occur to those skilled in the art. Such other examples are intended to be within the scope of the claims if they have structural elements that do not differ from the literal language of the claims, or if they include equivalent structural elements |
    权利要求:
    Claims (29)
    [1]
    | CLAIMS. 1. Method for displaying loyalty program information on a payment card using a computer attached to a database], the payment card having a processing device attached to a display screen, the method comprising the steps of: receiving, on the computer, an electronic payment authorization message that includes payment card identification data and electronic payment transaction data, the payment card identification data being associated with the payment card ; determine that the payment card is registered in a loyalty program based on the payment card identification data and the cardholder account data stored in the database; generate electronically an electronic payment authorization response message that includes the update data for the loyalty program; and transmit the loyalty program update data from the computer to the payment card to display as loyalty program information on the display screen.
    [2]
    2. Method, according to claim 1, in which the step of electronically generating the response message from the loyalty program comprises generating an electronic response message that includes the update data of the loyalty program and at least one among a payment authorization and a denial of payment.
    [3]
    3. Method according to claim 1, in which the step of receiving payment card identification data comprises the step of receiving at least one of an account number, a unique identifier, bearer identification data card, and issue bank identification data.
    [4]
    4. Method, according to claim 1, in which the step of receiving the electronic payment transaction data comprises receiving
    [5]
    i ber at least one of the merchant's identification data, one. payment amount of the requested transaction, and descriptive data for a type of purchase. '5. Method according to claim 1, in which the step of - 5 electronically generating the electronic payment authorization response message that includes update data for the loyalty program comprises determining the update data for the loyalty program based at least partially on the electronic payment transaction data.
    [6]
    6. Method according to claim 5, wherein the step of determining the loyalty program update data comprises determining whether the underlying purchase paid through the electronic payment transaction qualifies for participation in the loyalty program.
    [7]
    7. Method according to claim 5, wherein the step of determining the loyalty program update data comprises determining a loyalty program reward balance, wherein the loyalty program reward balance comprises at least one of a number of available loyalty points, an available loyalty program balance, a loyalty program balance before the instant electronic payment transaction, and a loyalty program balance subsequent to the instant electronic payment transaction.
    [8]
    8. Method, according to claim 7, still comprising the step of receiving, on the computer, a sign of use of the reward of the loyalty program that requests that the reward of the loyalty program be applied in the electronic payment transaction.
    [9]
    9. Method, according to claim 1, still comprising the steps of: transmitting payment card identification data, using wireless communication, from the payment card to a service point terminal ( POS) associated with a merchant; and generate, using the service point terminal (POS), the electronic payment authorization request message from
    i Payment card identification data and transaction data. electronic payment.
    [10]
    10. The method of claim 9, wherein the step of 'transmitting the update data from the loyalty program to the payment card 25 comprises transmitting the update data from the loyalty program to the payment card via the POS terminal for display as loyalty program information on the display screen.
    [11]
    11. Network-based system for displaying loyalty program information on a payment card, the system comprising a computer system configured to process electronic payment transactions associated with a payment card and to manage a loyalty program through which a cardholder accumulates a reward for purchasing qualified products using the payment card; an interaction point device (POI) communicatively coupled to the computer system configured to: generate an electronic payment authorization request message that includes payment card identification data and electronic payment transaction data, and receive a electronic payment authorization response message that includes loyalty program update data; and a payment card configured to transmit identification data from the payment card to the computer system and to receive loyalty program update data from the computer system via the POI device, the payment card comprising a screen display and a payment card communication device, each coupled to a processing device, the display screen being configured to display the loyalty program information.
    [12]
    12. Network-based system, according to claim
    [13]
    11, in which the computer system is associated with at least one of a - merchant, a merchant's bank, an exchange network and a payment card issuer. 13. Network-based system according to claim: 5 12, in which the POI device is configured to: receive payment card identification data from the payment card; receiving transaction data from the merchant's electronic payment; and transmit the payment card identification data and the electronic payment transaction data to the computer system for processing.
    [14]
    A network-based system according to claim 11, wherein the computer system comprises a processing device coupled to a payment card account data database, the processing device being configured to: access the payment card account data that corresponds to the payment card identification data received from the POI device; and determine that the payment card is associated with a loyalty program.
    [15]
    15. A network-based system according to claim 14, wherein the computer system is configured to: determine loyalty program update data; and transmit the loyalty program update data to the payment card via the POI device.
    [16]
    A network-based system according to claim 11, wherein the POIl device comprises a service point terminal (POS).
    [17]
    17. A network-based system according to claim 11, wherein the POl device comprises: a wireless POI communication device for communicating
    [18]
    with the payment card communication device; and . an input device for receiving customer input data. '18. Network-based system according to claim - 5 17, in which the input device is configured to receive at least one of a personal identification number (PIN), a security code and a balance use signal from the Fidelity program.
    [19]
    19. Network-based system according to claim 17, wherein the wireless POI communication device and the payment card communication device are included in a radio frequency identification (RFID) system configured for bi-communication - directional between the POI device and the payment card.
    [20]
    20. Network-based system according to claim 11, further comprising a network that communicates the POI device and the computer system in a communicative manner.
    [21]
    21. Network-based system according to claim 11, wherein the display screen comprises at least one light-emitting diode (LED) display and one organic light-emitting diode (OLED) display.
    [22]
    22. Network-based system according to claim 14, where the computer system is configured to determine the loyalty program update data based on at least one of a transaction amount included in the payment transaction data - electronic, a merchant identifier included in the electronic payment transaction data, and item identifiers included in the electronic payment transaction data.
    [23]
    23. Payment card for use in an electronic payment transaction, comprising: a display screen; a processing device coupled to the display screen; and a wireless communication device coupled to the processing device, the wireless communication device being configured to transmit identification data from the payment card and to receive
    | to obtain update data for the loyalty program and an identifier for. account associated with the payment card, the processing device configured to compare the account identifier to the stored data, 'and if the account identifier matches the stored data, the processing device is configured to provide the results of the update data from the loyalty program from the processing device to the display screen to display on the display screen.
    [24]
    24. Payment card according to claim 23, wherein the display screen comprises at least one of a light-emitting diode (LED) and an organic light-emitting diode (OLED).
    [25]
    25. Payment card, according to claim 23, in which the display screen is configured to: receive a signal for display; receive an operating force while positioned less than a maximum distance from a service point terminal (POS); display an image that corresponds to the received signal; and maintain the displayed image without applying the operating force.
    [26]
    26. Payment card according to claim 24, further comprising an energy storage device configured to provide operating power to the processing device and wireless communication device, and to provide power to the screen display to keep the display image on the display screen.
    [27]
    27. Payment card according to claim 24, wherein the wireless communication device comprises a radio frequency identification (RFID) device configured for bi-directional communication between the POS terminal and the payment card.
    [28]
    28. Method for displaying loyalty program reward information on a payment card issued to a cardholder, the method performed using a computer attached to a database and communicating with a service point terminal ( POS), the payment card including a display and stores payment card identification data, the method comprising the steps
    | in: . display an option to request a loyalty program update at the POS terminal; ] receive, on the computer, the identification data of the payment card - 5 and a request to update the loyalty program of the POS terminal, in the selection of the option to request the update of the loyalty program; determine, through the computer, an amount of reward points accumulated by the cardholder based on the payment card identification data received; and transmitting data from the reward points for the cardholder to the POS terminal to display the amount of reward points accumulated by the cardholder on the payment card display.
    [29]
    29. Network-based system for displaying loyalty program information on a payment card, the payment card having a processing device coupled to a display screen, the system comprising: a memory device for storing data; and a computing device communicating with the memory device, the computing device programmed to: receive an electronic payment authorization message that includes payment card identification data and electronic payment transaction data, payment data. identification of the payment card associated with the payment card; determine that the payment card is registered in a loyalty program based on the payment card identification data and the cardholder account data stored on the memory device; electronically generate an electronic payment authorization response message that includes the update data for the loyalty program; and transmit the update data of the loyalty program for
    to display as loyalty program information on the. payment card.
    : 1/9 'o MN 8 (ES / oO o = & $ N $ ã 7 Ss 8 2 S Ss Ô < ' FA
    EEA CE, 8 to 3 ã Fi Ss 8 |: 8 8) é) 8 À to 3) é e Es çT so | S o E e. Ss 2 E - À 2 S nº E 7/8 Lo o A 7 Õ E7 / e gB RR oo o oo — oóo, —O »O, DO»
    T
    . 2/9 74 60 Cardholder o Transaction starts 62 o - Merchant - Authentication - q From SS) 16 Merchant bank Transaction SS) sent 8 Fm payment network At EEEA merchant AA HEHE NU transaction sent
    PA Issuer Payment from merchant 0 Cardholder account Payment from
    : 3/9 120 Computer database 114: 116 i 1 - | . I server i database i! i 12 N N Computer 114 q Se] “. : çC i 100 xs | + |! <i NX. 1 . 1st
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    WO2011038087A1|2011-03-31|
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    法律状态:
    2020-11-10| B15I| Others concerning applications: loss of priority|Free format text: PERDA DA PRIORIDADE 23/09/2009 US 12/565,558 REIVINDICADA POR NAO ENVIO DE DOCUMENTO COMPROBATORIO CORRETO DE CESSAO DA PRIORIDADE (MESMO APOS EXIGENCIA FORMULADA) CONFORME AS DISPOSICOES LEGAIS PREVISTAS NO ART. 16, 6O DA LEI 9.279 DE 4/05/1996 (LPI), ITEM 27 DO ATO NORMATIVO 128/1997, ART. 28 DA RESOLUCAO INPI-PR 77/2013 E ART. 3O DA IN 179/2017, UMA VEZ QUE O DEPOSITANTE CONSTANTE DA PETICAO DE REQUERIMENTO DO PEDIDO PCT E DISTINTO DAQUELE QUE DEPOSITOU A PRIORIDADE. |
    2020-11-17| B06U| Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]|
    2020-11-24| B08F| Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]|Free format text: ARQUIVADO O PEDIDO DE PATENTE, NOS TERMOS DO ARTIGO 86, DA LPI, E ARTIGO 10 DA RESOLUCAO 113/2013, REFERENTE AO NAO RECOLHIMENTO DA 9A E 10A RETRIBUICAO ANUAL, PARA FINS DE RESTAURACAO CONFORME ARTIGO 87 DA LPI 9.279, SOB PENA DA MANUTENCAO DO ARQUIVAMENTO CASO NAO SEJA RESTAURADO DENTRO DO PRAZO LEGAL, CONFORME O DISPOSTO NO ARTIGO 12 DA RESOLUCAO 113/2013. |
    2021-03-02| B11B| Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements|
    2021-12-07| B350| Update of information on the portal [chapter 15.35 patent gazette]|
    优先权:
    申请号 | 申请日 | 专利标题
    US12/565,558|US8317094B2|2009-09-23|2009-09-23|Methods and systems for displaying loyalty program information on a payment card|
    PCT/US2010/049955|WO2011038087A1|2009-09-23|2010-09-23|Methods and systems for displaying loyalty program information on a payment card|
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