SI20491A - Procedure and device for providing voluntary exchange of data stored on the card for electronic points, writeable on the same card - Google Patents

Abstract

As far as voluntary exchange of data stored on the card (1) for electronic points, writeable on the same card (1) is concerned, the exchange between databases (A) and (B) for fields (11 and 12) on card (1) and database (C) for field (13) on the same card (1) is anticipated. The data in the transaction database (A) of field (11) on card (1) is protected and accessible only to the card owner, its modification or updating with the exception of deleting is disabled. Even data in the proprietary database (B) of field (12) on card (1) is protected and accessible only to the card owner (1), while its modification or updating is enabled only with the consent or confirmation of the card (1) owner as well as the DAC centre (4) for data analysis via a read-writeable unit (3). The data in the bonus database (C) in field (13) on card (1) can be written based on reading or assigning data from data groups (A) and (B) from fields (11 and 12). The exchange of data from data groups (A) and (B) of fields (11 and 12) for data from data group (C) field (13) is according to the invention only possible in such a way that while reading at least part of the data from data groups (A) and (B) fields (11 and 12), a simultaneous entry of corresponding data is made to data group (C) field (13) of card (1).

Description

Procedure and device for enabling voluntary exchange on the card of stored data for electronic points written on the same card

The invention deals with the voluntary exchange on the card of stored data for electronic points recorded on the same card, whereby the term card in the case of the present application means the so-called chip card or. other types of memory card, on which it is possible to write data in electronic form, and on the other hand to read it. The invention envisages both a voluntary data exchange process and an enabling device. performing data exchange.

The invention deals with the problem of realizing a process and an exchange device in terms of collecting data on transactions performed with the help of a card, namely solely legal data collection, ie, data collection with the knowledge and consent of the data owner, namely the person who may legally dispose of the data and which must, as a prerequisite, collect and exchange data by electronic signature or an authorized code (eg, a so-called PIN code) at all to enable data to be exchanged, in the context of the exchange of data by the cardholder who withdraws his data for this purpose to stimulate or respectively. to reward.

The term transaction can be understood as e.g. buying goods at a store, prescribing or dispensing medicines, activities related to the operation of certain devices, e.g. TV and the like. In doing so, it is possible and desirable for the cardholder to motivate e.g. with credit points that should be entered in a special database on the same card and which should subsequently be can be used in a variety of rating schemes, especially in terms of using discounts as one of the possible forms of rewarding consumers or users for loyalty and the like.

The applicant will not be aware of any solution that would be reasonable to refer to as known in the art.

The invention will be described below with reference to the accompanying drawings, where they appear

- fig. 1 is a schematic diagram of a device for facilitating voluntary data exchange or for carrying out the data exchange process according to the invention,

- fig. 2 a schematic diagram of the card as part of a device for facilitating voluntary exchange on the card of recorded and writable information,

- fig. 3 is a sequence of steps in performing the data recording process. card transactions, and

- fig. 4 is a sequence of steps of performing a preferred version of a voluntary exchange process on a card of contained information, namely performing a voluntary exchange of data on transactions performed with the card for the so-called. loyalty points or loyalty (to a merchant or other establishment).

In the following, the VDECA abbreviation (voluntary data exchange card applicatiori) will also be used to designate cards suitable for use in the field of voluntary data exchange. For a unit that provides analysis and / or other processing of the data obtained from the said VDECA card, the abbreviation DAC will be used · which may also be equipped with appropriate software (software) if necessary. , which enables the above features.

This solution is based on the idea that the cardholder would, for a fee, pay for personal data that are not generally used by third parties. however, in return for electronic items (which may represent a certain value in cash or other benefits of a certain financial value), however, make it available to interested parties. It is meant that e.g. card holders, in return for appropriate compensation, rescind transactions (such as purchased products, prescribed medications, TV shows, etc.) that may be useful in market research or for example. health service users made available information on prescribed medicines and the like. This would certainly ensure the protection of personal data, as long as the individual wishes.

As can be seen in FIG. 1, the device for facilitating voluntary data exchange comprises a VDECA card 1, which can be inserted into the terminal 2, further a read-write unit 3, a DAC center 4 for data processing and a unit 5 for data capture.

The data capture unit 5 is e.g. located in a store (for example when it comes to exchanging purchase information), in a TV remote control (when it comes to exchanging viewership information for television programs, for example), or e.g. at the pharmacy (when it comes to exchanging information on prescribed or dispensed pharmaceuticals).

The Data Processing Center (DAC) represents the appropriate assembly or data processing device in each appropriate manner, providing the acquirer of the data from card 1 with the information desired at each time.

The read-write unit 3 is represented by either a PC connected to the Internet, or e.g. an information terminal or similar device enabling data to be written to card 1 and / or to read data from said card 1.

In this context, it is intended that the data client, e.g. the merchant interested in exchanging information with the cardholder 1 shall provide a sufficient quantity of properly located terminals 2.

VDECA card 1 is shown separately in FIG. 2. This is card 1, by which, in combination with the aforementioned devices 2, 3, 4, 5, the idea mentioned above can be realized for recording, reading, analyzing and similar operations. Card 1, in addition to box 10 for storing miscellaneous data on similar data cards (eg those for health insurance or electronic wallet or similar purposes), includes at least three boxes 11, 12, 13 with data groups or data. databases or files, namely

- Transaction database box 11 (A)

box 12 with proprietary data base (B) of cardholder (cardholder) information, and

- Box 13 with a credit rating database (C), that is, in the preferred version, indicating the electronic points obtained.

In doing so, it is crucial that the data exchange, the flow of which is in Figs. 1, marked with arrows, is performed in such a way that - as soon as the data from boxes 11 and 12 and therefore from databases (A) and (B) are read - the data is written to box 13 with database (C).

Box 11 of the database (A) contains all the necessary data related to the transactions performed with the help of card 1, but the transaction data is recorded depending on the purpose of the card 1. Access to this data is secured and is possible exclusively with the consent of the holder or. cardholder 1. Security is practicable either by using an authorized code (eg PIN 1), biometrically, or by any other method known in the art. The data in box 11 can be deleted, e.g. the Cardholder 1 can use it with a different code (PIN 2), but they cannot be updated, upgraded and the like. In particular, it is advantageous if the data in box 11 are automatically deleted immediately after being read by the read-write unit 3 and forwarded to the DAC center 4 for data analysis.

Further box 12 on card 1, namely box 12 with the proprietary database (B) contains all necessary information for the cardholder / cardholder for each purpose 1. The data is entered in this box 12 with said database (B) depending on the purpose of use Cards 1. Data is protected (eg by PIN code or biometric again or otherwise) and can only be accessed with the consent of the cardholder 1, namely if or not. when the latter agrees to the exchange of information.

In general, cardholder 1 may allow access to only some of the information in this box 12 or. their respective databases (B), in particular e.g. if he wants to remain anonymous and similar when conducting surveys of purchased products or consumed medicines. The data in this box 12 or. from the database (B) it is possible to replace or. to correct or update them. to upgrade, but only with the knowledge and with the consent or. confirmation from both sides, namely by the cardholder 1 or. in box 12 of stored data as well as by DAC center 4 or. authorized user in box 12 of stored data.

The further box 13 on card 1 comprises the so-called data. credit rating databases (C). In particular, the data on compensation for exchanged and ceded data, which may be expressed either in monetary value or in other prudential forms, e.g. in electronic points, e.g. can be redeemed pn further purchases of goods or services. In the database (C) in box 13, data is always entered whenever a reading of data from the data groups (A) or. (B) from boxes 11 and respectively. 12.

Box 11 may e.g. in the case of divergence of information on prescribed medicines in exchange for credit points, it contains a database (A) formed by eg information on prescriptions for medicines prescribed by the doctor to the healthcare provider in electronic form. Thus, all the necessary data from the individual recipes are entered in the database (A) in box 11 on card 1.

In the practical case referred to in the preceding paragraph, the database (B) in box 12 on card 1 may, in the practical case, consist of personal data such as age, gender, nationality or other desired information which is dictated by the purpose of using card 1.

The data base (C) of box 13 on card 1, in the specific case, from the two preceding paragraphs is made up of electronic points that can be valued in cash, payable in any appropriate way. Points can be assigned to the cardholder 1, for example, in exchange for the personal data being transferred. a pharmaceutical company that needs information e.g. for market research, for further drug development, and the like. In general, the data in box 13 or. groups (C) may also be loyalty points for regular customers or points for transmitting TV program viewing data and similar data which provide the cardholder 1 with appropriate incentive to deviate from at least certain personal data in general third parties of inaccessible data.

As can be seen in FIG. 3, the data exchange process is performed in the following steps:

- In the first step, insert card 1 according to FIG. 2 into a reading and recording device 3 connected to the DAC-center 4 (whether it is the so-called EFTPOSD terminal, a personal computer with inetmet, a GSM telephone apparatus and the like);

- in the second step, a check is made if the data on the transactions completed are already available in database 11 (A),

- in the third step, on the basis of the verification from the previous step, on a non-displayed screen or in another suitable way, it shall be displayed, or prints or otherwise issues the information that is to be entered in box 13 or. to the database (C), e.g. the amount or quantity of electronic points as a substitute for the use of the data in Box 11 and / or Box 12, respectively. from databases (A and / or B);

- a further step is followed by verification by the cardholder 1, who, by typing the PIN or otherwise, agrees to the data exchange or issues consent for the use of data from box 11 or. databases (A);

- a further step is to read the data from the databases (A and / or B) of the fields and / or 12 on card 1, but at the same time entering the relevant data in the field or. the database (C) on the card (1), then

- completes the transaction, after which the data obtained in the database (C) of box 13 on card 1 can be used in any appropriate way, eg as loyalty points or in the form of an electronic wallet and the like.

In FIG. 4 is a schematic illustration of a sequence of steps of performing a preferred version of a voluntary exchange process on a card of contained information, namely performing a voluntary exchange of transaction data performed on the card for the so-called. loyalty points or loyalty (to a merchant or other establishment). Here, in the first step, the card is inserted into the appropriate terminal, that is, into the read-write unit 3, after which the main transaction (eg calculation of the value of purchased goods and the like) is executed. In the case of the so-called VDECA card 1, which enables the exchange of data according to the invention, the corresponding data intended for later exchange by means of the device described above according to the invention shall be entered in box 11 or in the database (A) on card 1. the previously explained process for exchanging data according to the invention.

Claims (8)

PATENT APPLICATIONS A device for facilitating the voluntary exchange on a card (1) of stored data for electronic points writable to the same card (1), characterized in that it comprises, with the help of a data center, an associated reading and writing unit (3) readable oz. a writable magnetic card (1) which provides at least three data fields (11, 12, 13), viz. - field (11) with transaction database (A); field (12) with proprietary database (B) of cardholder (cardholder) information, and - field (13) with rating database (C), providing for the exchange of data from at least two data groups (A) and (B) of the first-mentioned fields (11, 12) for data from at least one data group (C) of the latter fields (13). Device according to claim 1, characterized in that the exchange of data from at least one transaction data group (A) of the field (11) on the card (1) and at least one proprietary data group (B) of the field (12) on the card (1) for data from at least one rating data group (C) of field (13) on the card (1) by means of a read-write unit (3), in such a way that when reading at least the data from data groups (A) of field and (B) fields (11, 12) also simultaneously enter the respective data in at least one rating data group (C) of field (13) on the card (1). Device according to claims 1 and 2, characterized in that the data in the respective transaction data group (A) of the field (11) on the card (1), the correspondence of which is respectively. updating other than deletion is disabled, secure and accessible only to the owner or user. cardholder (1). Device according to claims 1 and 2, characterized in that the data in the respective proprietary data group (B) of the field (12) on the card (1) is generally protected and accessible only to the cardholder (1), supplementing, correspondence or. updating enabled only on the basis of consent or. confirmation by the holder or cardholder (1) as well as through the read-write unit (3) by the data center (4). Device according to Claims 1 and 2, characterized in that the data in the respective rating data group (C) of the field (13) on the card (1) is writable on the basis of a reading or a reading unit (3). deviation of data from data groups (A) and (B) of fields (11, 12) on card (1). Device according to any one of the preceding claims, characterized in. that the data from the data groups (A) and (B) of the boxes (11, 12) on the card (1) are legible solely on the basis of writing or recording. entering data into the respective rating data group (C) of the field (13) on the card (1) by means of a reading and writing unit (3). 7. A method of facilitating the voluntary exchange on the card (1) of stored data for electronic points writable to the same card (1), characterized in that it comprises at least a step of exchanging data, namely reading at least some data from at least two data groups (A) and (B) the fields (11, 12) on card (1), while simultaneously recording the corresponding data, in particular electronic points, in at least one data group (C) of the field (13) on card (1). A method according to claim 7, characterized in that - in the first step, a card (1) is inserted into a reading and writing device (3) connected to the DAC center (4) for data analysis; - in the second step, to check whether the data on the transactions completed are already available in fields (11) in the database (A), - in the third step, on the basis of the verification referred to in the previous step, be appropriately removed or prints or otherwise issues the information to be entered in box (13) or. to the database (C), - that a further step is followed by verification by the cardholder (1) who agrees to the data exchange or issues consent for the use of data from box (11) or. databases (A); - in a further step, based on the consent of the cardholder (1) from the previous step, the data from the databases (A and / or B) of the fields (11 and / or 12) on the card (1) should be read, but only at the same time the relevant data in box (13) or. database (C) on card (1).