WO1993008546A1 - Electronic system for automatically transferring a percentage of a sum, spent on purchases in shops involved in the scheme, to an insurance policy in the purchaser's name - Google Patents

Electronic system for automatically transferring a percentage of a sum, spent on purchases in shops involved in the scheme, to an insurance policy in the purchaser's name Download PDF

Info

Publication number
WO1993008546A1
WO1993008546A1 PCT/IT1991/000103 IT9100103W WO9308546A1 WO 1993008546 A1 WO1993008546 A1 WO 1993008546A1 IT 9100103 W IT9100103 W IT 9100103W WO 9308546 A1 WO9308546 A1 WO 9308546A1
Authority
WO
WIPO (PCT)
Prior art keywords
electronic
purchases
customer
electronic card
insurance policy
Prior art date
Application number
PCT/IT1991/000103
Other languages
French (fr)
Inventor
Lino Bonavitacola
Original Assignee
Lino Bonavitacola
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Lino Bonavitacola filed Critical Lino Bonavitacola
Publication of WO1993008546A1 publication Critical patent/WO1993008546A1/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Definitions

  • the invention concerns tele-informatic equipment specially connected for automatic operation of insurance methods.
  • cash registers for calculating the total sum a purchaser spends and issuing printed slips for fiscal use.
  • Payment may be made by means of an electronic card and for this purpose the cash registers are connected to a reader device.
  • Purpose of the above invention is to provide a means for creating insurance coverage to the advantage of both th e policy holders and the insurance companies.
  • Subject of the invention is an electronic system for automatically transferring a percentage of purchases made in shops partaking in the scheme, to an insurance policy held by the purchaser.
  • the system comprises the following:
  • - a set of equipment consisting of an. electronic cash register, a reader-writer of electronic cards and an electronic operating and control unit situated in the shop;
  • the card is issued by the above organization to each customer of the shops concerned who has applied for one, and includes a memory to contain all the customer's personal and statistical details as well as the number of the insurance policy drawn up in said customer's name.
  • This policy is taken out with an insurance company through the organization that operates the system.
  • the cash register After insertion of a customer's electronic card in the reader-writer device and when the amount of the purchases the customer has made has been recorded, the cash register calculates the sum corresponding to the percentage of said amount to be transferred to the insurance policy in said customer's name. The whole is then stored in a memory and a fiscal receipt is issued showing the list of purchases, the amount of the above percentage and the number of the customer's insurance policy.
  • the electronic control unit simultaneously sends all data concerning the above operation, and especially the sum to be transferred to the policy of the customer who has made the purchases, to the computer connected to said control unit and situated in the office of the organization that runs the service.
  • the cash register comprises logic circuits, memory units, a printer head, a keyboard, a display and an interface, unit for connection to the electronic card reader-writer device, to the scanner unit of purchased items and to the electronic control unit.
  • the electronic card reader-writer device comprises logic control units, memory units, the reader-writer device itself and an interface for connection to the cash register's interface.
  • the electronic control unit comprises a switching section for the interfaces of two sets of logic control units connected to memory units for connection to the cash register and for the computer installed at the organization that runs the service.
  • the electronic card may be either of the type with built-in chip or else magnetic.
  • the invention has obvious advantages.
  • Payment of the premium is automatic and is related to the frequent and necessary actions commonly made such as purchasing goods.
  • the sum to disburse is no longer fixed but is proportional to that spent on purchases and payment is not obligatory.
  • the whole is realized by simple means using apparatus of a well-known kind and electronic circuits associated in an original manner, and original electronic equipment of great simplicity and effectiveness.
  • Fig.1 Diagram of the electronic system subject of the
  • Fig.4 Facsimile of the receipt issued by the cash register
  • Fig.5 Diagram of how the invented electronic system works.
  • Figs. 6A, 6B, 6C Logic control units
  • Figs. 9A 9B Electronic card reader-writer device.
  • Figs. 10A 10B 10C 10D Exchange diagram of the operating and control unit.
  • an electronic complex 9 is installed, consisting of an electronic cash register 10, a reader-writer of electronic cards 11, a purchase selection unit 13 and a control unit 12.
  • the electronic circuit of the cash register 10 comprises two logic control units 20 and 21. The first of these is connected to the memory unit 22. The second is connected to the printer head 23, to the keyboard 24, to the display 25 and to the interface 26 for connection to the rest of the units.
  • the electronic card reader-writer 11 comprises the interface 30 connected to the logic control unit 31, to the memory logic unit 32 and to the electronic card reader-writer head 33.
  • the operation and control unit 12 comprises the switch section AB 40 connected to interfaces A 41 and B 42.
  • the interface A 41 is connected to the logic control unit 43, in turn connected to memory units B 44 and 45.
  • the interface B 42 is connected to the logic control unit B46, in turn connected to memory units B 47 and 48.
  • the electronic complex 9 is connected by the switch section 40 to the computer 50 situated at the offices of the organization that runs the service, in turn served by the printer 51 and by the monitor 52.
  • the electronic card 14 is of the type with built-in chip; it contains in its memory the customer's personal and statistical data and the indications as shown in Figs. 3A and 3B.
  • the name 60 of the organization that operates the system On the front side may be seen the name 60 of the organization that operates the system, the name 61 of the electronic card, its progressive number 62, the progressive number 63 of the insurance policy made out to the owner of the electronic card, and said owner's name 64.
  • the name 65 of the shop taking part in the scheme On the back may be seen the name 65 of the shop taking part in the scheme, the brand name 66 of the card, the space 67 for the holder's signature and the magnetic strip 68.
  • the organization that operates the services issues said electronic card to the customers of a supermarket or any kind of shop taking part in the scheme and at the same time draws up a special insurance policy in the name of each one.
  • the customer 80 who has chosen the products to be b ough t in one of the above shops, goes to the cash desk 81 and pays for the goods with the electronic card 14.
  • the cashier puts said card in the reader device 11 and after its acceptance is notified, taps out the prices of the goods.
  • the cash register 10 records the purchases and calculates the total 83, issues the receipt 70 for the customer showing the percentage 73 of the total amount of purchases to be transferred to said customer's insurance policy. All this is stored in the memory unit 22.
  • the receipt bears a declaration 71 of this transfer and the number 72 of the policy and percentage amount 73.
  • the cash register 10 ceases recording on the inserted electronic card 14 and assumes the position for reading the next of said cards.
  • the recorded data are transmitted by a tele-informatic process, through the operating and control unit 12 to the computer 50 at the organization running the system.
  • Each month said organization sends to each customer a statement 86 of what has been bought in the month and recorded with the electronic card and, to the shop where the purchases were made, the statement 87 of what was bought there with said electronic card and the sum to be paid over to the above organization for the customer's insurance policy. Every six months said organization will send to each customer a progressive Statement 88 of the sum transferred to the insurance policy of that customer and will pay over to the insurance company the sums 89 received from the shop.

Abstract

Electronic system for automatically transferring a percentage on purchases, made in shops taking part in the scheme to an insurance policy taken out in the name of the purchaser, comprising an electronic complex (9) consisting of an electronic cash register (10), of an electronic card reader-writer (11) and of an electronic control unit (12) to be installed in the shops concerned, a computer (50) to be situated at the office of an organization that runs the system, connected by a tele-informatic system with the above electronic complex (9), and a special kind of electronic card (14), suitably programmed that is issued to the customers of said shops.

Description

ELECTRONIC SYSTEM FOR AUTOMATICALLY TRANSFERRING A
PERCENTAGE OF A SUM, SPENT ON PURCHASES IN SHOPS INVOLVED IN THE SCHEME, TO AN INSURANCE POLICY IN THE
PURCHASER'S NAME
The invention concerns tele-informatic equipment specially connected for automatic operation of insurance methods. In all shops today there are cash registers for calculating the total sum a purchaser spends and issuing printed slips for fiscal use.
Payment may be made by means of an electronic card and for this purpose the cash registers are connected to a reader device.
Also well known are the various insurance systems whereby the insured person pays a premium and receives compensation for harm suffered due to an accident or to some event, or receives payment of a lump sum or of an income following injuries that affect his life.
Many people who might be willing to sign an insurance contract fail to do it for lack of time or opportunity, or because they are unaware, of the relative benefits or do not know how to go about it, or because they are under no pressure to do so, thus depriving themselves of all the advantages that an insurance policy offers.
Insurance companies also suffer because they conclude fewer contracts. Another reason that discourages people from signing such contracts is that they are reluctant to undertake periodical disbursement of sums which they are obliged to continue paying for years unless they want to forfeit all the rights acquired up to that time.
Pressure to save by the well-known methods of advertising and promotion obviously have certain insurmountable limits. Purpose of the above invention is to provide a means for creating insurance coverage to the advantage of both th e policy holders and the insurance companies.
Subject of the invention is an electronic system for automatically transferring a percentage of purchases made in shops partaking in the scheme, to an insurance policy held by the purchaser.
The system comprises the following:
- a set of equipment consisting of an. electronic cash register, a reader-writer of electronic cards and an electronic operating and control unit situated in the shop;
- a computer in the office of an organization running the tele-informat ic system connected to the above equipment;
- a special kind of electronic card.
The card is issued by the above organization to each customer of the shops concerned who has applied for one, and includes a memory to contain all the customer's personal and statistical details as well as the number of the insurance policy drawn up in said customer's name.
This policy is taken out with an insurance company through the organization that operates the system.
After insertion of a customer's electronic card in the reader-writer device and when the amount of the purchases the customer has made has been recorded, the cash register calculates the sum corresponding to the percentage of said amount to be transferred to the insurance policy in said customer's name. The whole is then stored in a memory and a fiscal receipt is issued showing the list of purchases, the amount of the above percentage and the number of the customer's insurance policy.
By means of a system of tele-informatics, the electronic control unit simultaneously sends all data concerning the above operation, and especially the sum to be transferred to the policy of the customer who has made the purchases, to the computer connected to said control unit and situated in the office of the organization that runs the service. The cash register comprises logic circuits, memory units, a printer head, a keyboard, a display and an interface, unit for connection to the electronic card reader-writer device, to the scanner unit of purchased items and to the electronic control unit.
The electronic card reader-writer device comprises logic control units, memory units, the reader-writer device itself and an interface for connection to the cash register's interface.
The electronic control unit comprises a switching section for the interfaces of two sets of logic control units connected to memory units for connection to the cash register and for the computer installed at the organization that runs the service.
The electronic card may be either of the type with built-in chip or else magnetic.
The invention has obvious advantages.
Payment of the premium is automatic and is related to the frequent and necessary actions commonly made such as purchasing goods. The sum to disburse is no longer fixed but is proportional to that spent on purchases and payment is not obligatory. The whole is realized by simple means using apparatus of a well-known kind and electronic circuits associated in an original manner, and original electronic equipment of great simplicity and effectiveness.
Characteristics and purposes of the invention will be made still clearer by the following example of its execution illustrated by diagrammatic figures.
Example of execution
Fig.1 Diagram of the electronic system subject of the
invention.
Fig.2 Layout of the electronic complex installed in shops
Including a cash register.
Figs. 3A and 3B Front and back views of the electronic
card used In the system.
Fig.4 Facsimile of the receipt issued by the cash register Fig.5 Diagram of how the invented electronic system works. Figs. 6A, 6B, 6C Logic control units
Figs. 7A 7B 7C 7D Memory units RAM (A)
Figs. 8A 8B 8C 8D " "
Figs. 9A 9B Electronic card reader-writer device.
Figs. 10A 10B 10C 10D Exchange diagram of the operating and control unit.
In a shop that has agreed to work in conjunction with an organization operating this service, an electronic complex 9 is installed, consisting of an electronic cash register 10, a reader-writer of electronic cards 11, a purchase selection unit 13 and a control unit 12.
The electronic circuit of the cash register 10 comprises two logic control units 20 and 21. The first of these is connected to the memory unit 22. The second is connected to the printer head 23, to the keyboard 24, to the display 25 and to the interface 26 for connection to the rest of the units.
The electronic card reader-writer 11 comprises the interface 30 connected to the logic control unit 31, to the memory logic unit 32 and to the electronic card reader-writer head 33.
The operation and control unit 12 comprises the switch section AB 40 connected to interfaces A 41 and B 42.
The interface A 41 is connected to the logic control unit 43, in turn connected to memory units B 44 and 45. The interface B 42 is connected to the logic control unit B46, in turn connected to memory units B 47 and 48. The electronic complex 9 is connected by the switch section 40 to the computer 50 situated at the offices of the organization that runs the service, in turn served by the printer 51 and by the monitor 52.
The electronic card 14 is of the type with built-in chip; it contains in its memory the customer's personal and statistical data and the indications as shown in Figs. 3A and 3B.
On the front side may be seen the name 60 of the organization that operates the system, the name 61 of the electronic card, its progressive number 62, the progressive number 63 of the insurance policy made out to the owner of the electronic card, and said owner's name 64.
On the back may be seen the name 65 of the shop taking part in the scheme, the brand name 66 of the card, the space 67 for the holder's signature and the magnetic strip 68. The organization that operates the services issues said electronic card to the customers of a supermarket or any kind of shop taking part in the scheme and at the same time draws up a special insurance policy in the name of each one.
The system works as shown by the diagram in Fig. 5.
The customer 80 who has chosen the products to be b ough t in one of the above shops, goes to the cash desk 81 and pays for the goods with the electronic card 14.
The cashier puts said card in the reader device 11 and after its acceptance is notified, taps out the prices of the goods.
The cash register 10 records the purchases and calculates the total 83, issues the receipt 70 for the customer showing the percentage 73 of the total amount of purchases to be transferred to said customer's insurance policy. All this is stored in the memory unit 22.
The receipt bears a declaration 71 of this transfer and the number 72 of the policy and percentage amount 73.
After the total has been printed, the cash register 10 ceases recording on the inserted electronic card 14 and assumes the position for reading the next of said cards. The recorded data are transmitted by a tele-informatic process, through the operating and control unit 12 to the computer 50 at the organization running the system. Each month said organization sends to each customer a statement 86 of what has been bought in the month and recorded with the electronic card and, to the shop where the purchases were made, the statement 87 of what was bought there with said electronic card and the sum to be paid over to the above organization for the customer's insurance policy. Every six months said organization will send to each customer a progressive Statement 88 of the sum transferred to the insurance policy of that customer and will pay over to the insurance company the sums 89 received from the shop.

Claims

1. Electronic system for automatically transferring a percentage of a sum, spent on purchases in shops taking part in the scheme, to an insurance policy in the purchaser's name
characterized in that it comprises an electronic complex (9) , situated in said shops, composed of an electronic cash register (10), of an electronic card reader-writer (11) and of an electronic unit (13) for operation and control, and comprises a computer (50) situated at the office of an organization that runs the system connected by tele-informatics to the above electronic complex (9) and further comprises a special kind of electronic card (14) issued by the above organization to each customer of the shops concerned who has requested it, containing a memory for storing all the customer's personal and statistical data as well as indicat ion(63) of the number of the insurance policy taken out in said client's name by an insurance company, said cash register (10), having inserted a customer's electronic card (14) in the electronic card reader-writer (11) and recorded the amounts of said customer's purchases, then calculating the corresponding percentage on said purchases to be transferred to said customer's insurance policy, storing the whole in its memory and issuing a receipt (70) which, as well as listing the purchases, also indicates the amount (73) of said percentage and the number (72) of said insurance policy, the electronic control unit (12) simultaneously sending, by means of a system of telematics, all data concerning the above operation and especially the amount to be transferred to the policy of the customer who has made the purchases to the computer (50) situated in the office of the organization running the system, enabling said organization to send periodically a statement to the shopkeeper showing the purchases made and the amount he has to pay over to the insurance policy, and to send a statement to the customer showing how much was purchased in a certain period and the sums transferred to the insurance company.
2. System as in claim 1,
characterized in that the cash register (10) comprises logic circuits (20) (21), a memory unit (22), a printer head (23), a keyboard (24), a display (25) and an interface electronic card (26) for connection to the electronic card reader-writer (11), to the scanner of purchased items and to the electronic control unit (12).
3. System as in claim 1,
characterized in that the electronic card reader-writer (11) comprises logic control units (31), a memory unit (32), the actual reader-writer device (33) and an interface (30) for connection to the interface (26) in the cash register (10).
4. System as in claim 1,
characterized in that the electronic control unit (12) comprises a switching, section (40) for the interfaces (41) (42) of two sets (43) (46) of logic control units respectively connected to memory units (44-45) (47-48) for linking up with the cash register (10) and with the computer (50) at the organization running the system.
5. System as in claim 1,
characterized in that the electronic card(14) is of the type having a built-in chip.
6. System as in claim 1,
characterized in that the electronic card (14) is of the magnetic type.
PCT/IT1991/000103 1991-10-23 1991-11-26 Electronic system for automatically transferring a percentage of a sum, spent on purchases in shops involved in the scheme, to an insurance policy in the purchaser's name WO1993008546A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ITMI91A/002805 1991-10-23
ITMI912805A IT1251621B (en) 1991-10-23 1991-10-23 ELECTRONIC SYSTEM FOR AUTOMATIC TRANSFER OF A PERCENTAGE ON PURCHASES MADE IN CONVENTIONAL STORES, ON AN INSURANCE POLICY INTENDED TO THE PURCHASER

Publications (1)

Publication Number Publication Date
WO1993008546A1 true WO1993008546A1 (en) 1993-04-29

Family

ID=11360929

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IT1991/000103 WO1993008546A1 (en) 1991-10-23 1991-11-26 Electronic system for automatically transferring a percentage of a sum, spent on purchases in shops involved in the scheme, to an insurance policy in the purchaser's name

Country Status (2)

Country Link
IT (1) IT1251621B (en)
WO (1) WO1993008546A1 (en)

Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1994004979A1 (en) * 1992-08-11 1994-03-03 S.T.A.R.T., Inc. Transaction processing system
GB2274349A (en) * 1993-01-15 1994-07-20 Htec Ltd Retailing system
WO1996024103A1 (en) * 1995-02-02 1996-08-08 Peter Carroll Pty. Limited Claim processing system
WO1996031848A2 (en) * 1995-04-05 1996-10-10 Douglas Burdon Telecommunications reward method
FR2760549A1 (en) * 1997-03-07 1998-09-11 E & A Epargne & Achats FINANCIAL TRANSACTION METHOD AND SYSTEM
FR2805631A1 (en) * 2000-02-28 2001-08-31 France Telecom PAYMENT TO GOOD WORKS BY PREPAID CARD
US6419161B1 (en) 1996-01-22 2002-07-16 Welcome Real-Time Apparatus and method for processing coded information stored on an integrated circuit card
WO2002057876A2 (en) * 2001-01-18 2002-07-25 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
WO2003052709A1 (en) * 2001-12-14 2003-06-26 Pohl Angus Computer automated electronic small change harvesting method
US6722573B2 (en) 1996-01-22 2004-04-20 Welcome Real-Time Apparatus and method for processing coded information stored in an integrated circuit card
US7424441B2 (en) 2002-02-19 2008-09-09 First Data Corporation Systems and methods for integrating loyalty and stored-value programs
US7620567B2 (en) 2002-02-19 2009-11-17 First Data Corporation Systems and methods for operating loyalty programs
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9984415B2 (en) 2009-09-24 2018-05-29 Guidewire Software, Inc. Method and apparatus for pricing insurance policies
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2496932A1 (en) * 1980-12-19 1982-06-25 Maury Gilles Consumer association for circulation of capital - circulates capital between consumers with gains going to bank for investment in production
EP0189691A1 (en) * 1984-12-13 1986-08-06 Societe Generale Des Cooperatives De Consommation Method for the registration of the purchases of individual clients, magnetic card and reader/encoder for caryying out this method
EP0253240A1 (en) * 1986-07-03 1988-01-20 OMRON Corporation POS Terminal device
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
EP0308224A2 (en) * 1987-09-17 1989-03-22 Meridian Enterprises, Inc. Incentive award system
US4839804A (en) * 1986-12-30 1989-06-13 College Savings Bank Method and apparatus for insuring the funding of a future liability of uncertain cost
EP0425347A1 (en) * 1989-10-24 1991-05-02 Adventure Portable electronic device for making a public loyal to a media or similar

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2496932A1 (en) * 1980-12-19 1982-06-25 Maury Gilles Consumer association for circulation of capital - circulates capital between consumers with gains going to bank for investment in production
EP0189691A1 (en) * 1984-12-13 1986-08-06 Societe Generale Des Cooperatives De Consommation Method for the registration of the purchases of individual clients, magnetic card and reader/encoder for caryying out this method
EP0253240A1 (en) * 1986-07-03 1988-01-20 OMRON Corporation POS Terminal device
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US4839804A (en) * 1986-12-30 1989-06-13 College Savings Bank Method and apparatus for insuring the funding of a future liability of uncertain cost
EP0308224A2 (en) * 1987-09-17 1989-03-22 Meridian Enterprises, Inc. Incentive award system
EP0425347A1 (en) * 1989-10-24 1991-05-02 Adventure Portable electronic device for making a public loyal to a media or similar

Cited By (25)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1994004979A1 (en) * 1992-08-11 1994-03-03 S.T.A.R.T., Inc. Transaction processing system
GB2274349A (en) * 1993-01-15 1994-07-20 Htec Ltd Retailing system
WO1996024103A1 (en) * 1995-02-02 1996-08-08 Peter Carroll Pty. Limited Claim processing system
WO1996031848A2 (en) * 1995-04-05 1996-10-10 Douglas Burdon Telecommunications reward method
WO1996031848A3 (en) * 1995-04-05 1996-11-07 Douglas Burdon Telecommunications reward method
US6419161B1 (en) 1996-01-22 2002-07-16 Welcome Real-Time Apparatus and method for processing coded information stored on an integrated circuit card
US6722573B2 (en) 1996-01-22 2004-04-20 Welcome Real-Time Apparatus and method for processing coded information stored in an integrated circuit card
WO1998040834A1 (en) * 1997-03-07 1998-09-17 E & A (Epargne & Achats) Method and system for consumption-related financial transaction
FR2760549A1 (en) * 1997-03-07 1998-09-11 E & A Epargne & Achats FINANCIAL TRANSACTION METHOD AND SYSTEM
FR2805631A1 (en) * 2000-02-28 2001-08-31 France Telecom PAYMENT TO GOOD WORKS BY PREPAID CARD
WO2001065430A1 (en) * 2000-02-28 2001-09-07 France Telecom Payment to charities with prepaid card
US7050554B2 (en) 2000-02-28 2006-05-23 France Telecom, Sa Payment to charities with prepaid card
WO2002057876A2 (en) * 2001-01-18 2002-07-25 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
WO2002057876A3 (en) * 2001-01-18 2002-11-07 First Usa Bank Na System and method for administering a brokerage rebate card program
US6985873B2 (en) 2001-01-18 2006-01-10 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
WO2003052709A1 (en) * 2001-12-14 2003-06-26 Pohl Angus Computer automated electronic small change harvesting method
US7424441B2 (en) 2002-02-19 2008-09-09 First Data Corporation Systems and methods for integrating loyalty and stored-value programs
US7620567B2 (en) 2002-02-19 2009-11-17 First Data Corporation Systems and methods for operating loyalty programs
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9123044B2 (en) 2007-01-17 2015-09-01 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system
US9984415B2 (en) 2009-09-24 2018-05-29 Guidewire Software, Inc. Method and apparatus for pricing insurance policies
US11080790B2 (en) 2009-09-24 2021-08-03 Guidewire Software, Inc. Method and apparatus for managing revisions and tracking of insurance policy elements
US11900472B2 (en) 2009-09-24 2024-02-13 Guidewire Software, Inc. Method and apparatus for managing revisions and tracking of insurance policy elements

Also Published As

Publication number Publication date
ITMI912805A1 (en) 1993-04-23
ITMI912805A0 (en) 1991-10-23
IT1251621B (en) 1995-05-17

Similar Documents

Publication Publication Date Title
US5287268A (en) Centralized consumer cash value accumulation system for multiple merchants
US5117355A (en) Centralized consumer cash valve accumulation system for multiple merchants
US4941090A (en) Centralized consumer cash value accumulation system for multiple merchants
US6592030B1 (en) Financial transaction system with retirement saving benefit
US6105001A (en) Non-cash transaction incentive and commission distribution system
WO1993008546A1 (en) Electronic system for automatically transferring a percentage of a sum, spent on purchases in shops involved in the scheme, to an insurance policy in the purchaser's name
US5753899A (en) Cash alternative transaction system
US20050131792A1 (en) Financial transaction system with integrated, automatic reward detection
US20050246234A1 (en) Automatic purchase categorization system
US20040024703A1 (en) Smart payment instrument selection
US20050171849A1 (en) System and method for making charitable donations
JPH06203274A (en) Sale managing device
WO1994004979A1 (en) Transaction processing system
GB2151061A (en) Credit and charge card processing systems
JP3272525B2 (en) POS system
JP2639854B2 (en) Card system
JPH10307951A (en) Electronic money and its system
JP3559800B2 (en) Customer management system
JPH0470992A (en) Card system
JP4771477B2 (en) Consignment sales method for fresh products
JP3331057B2 (en) Point purchase processing method and point service system
JPH07271866A (en) Purchase point service system consisting of card and card storing body
JP4137022B2 (en) Card payment system
JP2001022854A (en) Information management device
JP2793659B2 (en) Payment processor

Legal Events

Date Code Title Description
AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): AT BE CH DE DK ES FR GB GR IT LU NL SE

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: CA