WO2001006423A1 - Pay terminal - Google Patents

Pay terminal Download PDF

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Publication number
WO2001006423A1
WO2001006423A1 PCT/DE2000/002343 DE0002343W WO0106423A1 WO 2001006423 A1 WO2001006423 A1 WO 2001006423A1 DE 0002343 W DE0002343 W DE 0002343W WO 0106423 A1 WO0106423 A1 WO 0106423A1
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WO
WIPO (PCT)
Prior art keywords
decision
payment
bonus
terminal according
payment terminal
Prior art date
Application number
PCT/DE2000/002343
Other languages
German (de)
French (fr)
Inventor
Andreas Schwier
Original Assignee
Orga Kartensysteme Gmbh
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 Orga Kartensysteme Gmbh filed Critical Orga Kartensysteme Gmbh
Priority to AU64261/00A priority Critical patent/AU6426100A/en
Priority to EP00951265A priority patent/EP1196878A1/en
Publication of WO2001006423A1 publication Critical patent/WO2001006423A1/en

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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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs

Definitions

  • the invention relates to a payment terminal according to the preamble of patent claim 1.
  • the payment cards can be designed as credit cards, to which a credit line of value units on a customer account is assigned, or as money cards that can be recharged with value units.
  • the payment card can also be designed as a combination of credit card and cash card.
  • the payment terminal can be designed as a point of sale (POS), which controls the payment process at the point of purchase and the transfer or reduction of the value units representing the purchase price in the payment card or on a customer account arranged in a background terminal and the increase in the corresponding value units on one merchant account.
  • POS point of sale
  • the merchant account can be managed directly at the POS or on a background terminal.
  • the purchase of objects can be provided with a discount, which leads to a price reduction or the collection of bonus data for the purchase under more favorable conditions of other purchased objects.
  • This bonus data will be used during the Payment process generated as part of a bonus program and then stored on the payment card and / or in the background terminal, see WO 99/13438 AI.
  • a disadvantage of the known bonus program stored in the payment terminal is that it has a rigid structure which makes it difficult to expand to additional bonus modalities. In this regard, a complex reconfiguration or adjustment is required.
  • the object of the present invention is therefore to develop a payment terminal for payment processes integrated with a bonus system in such a way that the structure of the payment process can be carried out more flexibly and easily.
  • the invention has the features of claim 1.
  • the advantage of the invention consists in particular in that a simple and easily modifiable bonus system can be generated by the provision of a decision network consisting of a plurality of decision nodes with respectively assigned conditions and branching rules dependent thereon.
  • the condition assigned to a decision node is coupled to a branch which allows two subsequent decisions, in particular a yes branch and a no branch, so that a clear path is given within the decision network, which can be expanded as desired by further decision nodes ,
  • the decision network can be expanded in a tree-like manner in a simple and inexpensive manner by adding a further branch.
  • the decision-making network is prepared as TextScript and thus enables the content to be entered or changed easily.
  • the decision network can be called up from the background terminal connected to the POS and can be run in the POS.
  • Figure 1 is a block diagram of a payment system with a payment terminal
  • Figure 2 a schematic representation of the structure of a decision network implemented in the payment terminal.
  • a payment system essentially consists of a background system (background terminal 1) and a plurality of payment terminals 2 connected to the same, which can communicate with a payment card 3.
  • the payment terminal 2 which can be designed, for example, as a point of sale (POS), has means that control the process of a payment process and therefore ensure that a specified unit of value is debited from the payment card and credited to a merchant account maintained in the background terminal 1.
  • the dealer terminal itself can preferably have a dealer card on which the corresponding value unit transmitted by the payment card 3 is stored in order to be forwarded to the background terminal 1 after collecting several value units.
  • the payment card 3 is designed as a chip card with a microprocessor and a memory and has means so that secure and reliable communication with the payment terminal 3 is ensured.
  • the payment terminal 2 has a control unit (microprocessor and memory) and a communication unit (card reader).
  • a bonus program 4 is provided in a memory of the payment terminal 2, which is activated during a payment process and determines whether the holder of the payment card is granted bonus points or not. After the bonus program 4 has expired, the bonus points granted are transferred as bonus data to the payment card 3 and stored there.
  • the bonus program 4 has one or more decision-making networks 5, each of which is assigned to a bonus application or bonus exchange 6.
  • the bonus application can, for example, be assigned to a dealer for value-added cards. Due to its tree structure and the programming in a structural programming language, the decision network 5 enables an efficient and easily expandable bonus program 4.
  • the decision network 5 consists of a plurality of decision nodes N, which A condition C can be assigned.
  • a condition C can be assigned.
  • a decision C3 is assigned to the decision node N1, which states whether there is a purchase of food?
  • a branch V takes place via a yes branch J and a no branch K to further decision nodes N2 or N3.
  • a decision rule R2 is carried out in the decision node N1, according to which twenty bonus points are credited to the holder of the payment card, and the yes branch J branches to the decision node N2.
  • a decision rule R3 is carried out, according to which a bonus point is credited per liter of gasoline, and a branch is made via the no branch K to the decision node N3.
  • the other decision nodes N2, N3 are each assigned the same conditions C5, which query whether this is the tenth visit of the cardholder?
  • the decision node N2 has a branch V with a yes branch J and a no branch K, both of which lead to a decision node N4, while no branch V follows the decision node N3.
  • a decision rule R2 is carried out in the decision node N2, according to which twenty bonus points are credited to the holder of the payment card, and the yes branch J branches to the decision node N4.
  • no decision rule R is carried out and the no branch is branched to the same decision node N4.
  • REPLACEMENT BUTT (RULE 26)
  • a decision rule R5 is carried out in the decision node N3, after which a counter is set to zero.
  • a decision rule R4 is carried out, after which the counter is incremented by one.
  • the decision nodes N2 and N3 ensure that, on the one hand, bonus points are awarded if condition C5 is present and, on the other hand, a clear determination of the presence or absence of condition C5 is made possible.
  • the decision network 5 thus enables a variable connection of decision nodes N, to which conditions C on the one hand and a branch V and / or one or two decision rules R on the other hand are assigned.
  • decision rules R any number of conditions C can be linked to decision rules R, the tree structure providing a good graphical overview that simplifies programming.

Abstract

The invention relates to a pay terminal that can be coupled to a pay card having at least one value unit and to a background terminal. The terminal comprises a control unit having means for changing the value units disposed on the pay card and a communication unit having means for bidirectional transmission of information between the pay card and the background terminal, whereby the value units to be transmitted to the pay card (3) can be determined by running a treed decision-making network (5), whereby the decision-making network (5) consists of a plurality of decision-making nodes (N) that are linked to one another and to which a given condition (C) and one or two decision-making rules (R) are assigned. Depending on the existence or absence of condition (C), another decision-making node (N) can be activated.

Description

Beschreibung:Description:
Bezahlterminalpayment terminal
Die Erfindung betrifft ein Bezahlterminal nach dem Oberbegriff des Patentanspruchs 1.The invention relates to a payment terminal according to the preamble of patent claim 1.
Zum Bezahlen von Kaufgegenständen ist es in dem Handelsbereich bekannt, Bezahlkarten vorzusehen, die mit einem Bezahl - terminal gekoppelt sind. Die Bezahlkarten können als Kreditkarten, denen ein Kreditrahmen von Werteinheiten auf einem Kundenkonto zugewiesen sind, oder als mit Werteinheiten wie- deraufladbare Geldkarten ausgebildet sein. Wie aus der US 5 744 787 bekannt ist, kann die Bezahlkarte auch als eine Kombination aus Kreditkarte und Geldkarte ausgebildet sein. Das Bezahlterminal kann als Point of sale (POS) ausgebildet sein, das den Bezahlvorgang am Kaufort steuert und die Übertragung bzw. die Verringerung der den Kaufpreis repräsentierenden Werteinheiten in der Bezahlkarte oder auf einem in einem Hintergrundterminal angeordneten Kundenkonto und die Erhöhung der entsprechenden Werteinheiten auf einem Händlerkonto. Das Händlerkonto kann unmittelbar am POS oder auf einem Hintergrundterminal geführt sein.To pay for purchase items, it is known in the retail sector to provide payment cards which are coupled to a payment terminal. The payment cards can be designed as credit cards, to which a credit line of value units on a customer account is assigned, or as money cards that can be recharged with value units. As is known from US Pat. No. 5,744,787, the payment card can also be designed as a combination of credit card and cash card. The payment terminal can be designed as a point of sale (POS), which controls the payment process at the point of purchase and the transfer or reduction of the value units representing the purchase price in the payment card or on a customer account arranged in a background terminal and the increase in the corresponding value units on one merchant account. The merchant account can be managed directly at the POS or on a background terminal.
Soweit die gesetzlichen Rahmenbedingungen es zulassen, kann der Kauf von Gegenständen mit einem Rabatt versehen sein, der zu einer Preisreduktion führt oder die Sammlung von Bonusdaten für den Kauf zu günstigeren Bedingungen von anderen Kauf- gegenständen ermöglicht. Diese Bonusdaten werden während des Bezahlvorgangs im Rahmen eines Bonusprogramms erzeugt und dann auf der Bezahlkarte und/oder in dem Hintergrundterminal gespeichert, siehe WO 99/13438 AI. Nachteilig an dem bekannten, in dem Bezahlterminal abgespeicherten Bonusprogramm ist jedoch, daß es eine starre Struktur aufweist, die die Erweiterung auf zusätzliche Bonusmodalitäten erschwert. Diesbezüglich ist eine aufwendige Neukonfiguration bzw. Anpassung erforderlich.As far as the legal framework allows, the purchase of objects can be provided with a discount, which leads to a price reduction or the collection of bonus data for the purchase under more favorable conditions of other purchased objects. This bonus data will be used during the Payment process generated as part of a bonus program and then stored on the payment card and / or in the background terminal, see WO 99/13438 AI. A disadvantage of the known bonus program stored in the payment terminal, however, is that it has a rigid structure which makes it difficult to expand to additional bonus modalities. In this regard, a complex reconfiguration or adjustment is required.
Aufgabe der vorliegenden Erfindung ist es daher, ein Bezahl - terminal für mit einem Bonussystem integrierte Bezahl orgänge derart weiterzubilden, daß der Aufbau des Bezahlvorgang flexibler und einfacher durchgeführt werden kann.The object of the present invention is therefore to develop a payment terminal for payment processes integrated with a bonus system in such a way that the structure of the payment process can be carried out more flexibly and easily.
Zur Lösung dieser Aufgabe weist die Erfindung die Merkmale des Patentanspruchs 1 auf .To achieve this object, the invention has the features of claim 1.
Der Vorteil der Erfindung besteht insbesondere darin, daß durch das Vorsehen eines Entscheidungsnetzwerkes bestehend aus einer Mehrzahl von Entscheidungsknoten mit jeweils zugeordneten Bedingungen und von diesen abhängigen Verzweigungs- regeln ein einfaches und leicht modifizierbares Bonussystem generierbar ist.The advantage of the invention consists in particular in that a simple and easily modifiable bonus system can be generated by the provision of a decision network consisting of a plurality of decision nodes with respectively assigned conditions and branching rules dependent thereon.
Nach einer Ausführungsform der Erfindung ist die jeweils einem Entscheidungsknoten zugeordnete Bedingung mit einer zwei Folgeentscheidungen zulassenden Verzweigung, insbesondere einem Ja-Zweig und einem Nein-Zweig, gekoppelt, so daß ein eindeutiger Weg innerhalb des Entscheidungsnetzwerkes vorgegeben ist, der durch weitere Entscheidungsknoten beliebig erweiterbar ist . Durch Vorsehen von Entscheidungsknoten, die im Ausgangszustand nur einen einzigen Zweig vorsehen, kann durch Hinzufügen eines weiteren Zweigs das Entscheidungsnetzwerk baumartig einfach und zeitgünstig erweitert werden.According to one embodiment of the invention, the condition assigned to a decision node is coupled to a branch which allows two subsequent decisions, in particular a yes branch and a no branch, so that a clear path is given within the decision network, which can be expanded as desired by further decision nodes , By providing decision nodes that only provide a single branch in the initial state, the decision network can be expanded in a tree-like manner in a simple and inexpensive manner by adding a further branch.
Nach einer Weiterbildung der Erfindung ist das Entscheidungs- netzwerk als TextScript aufbereitet und ermöglicht somit eine einfache Eingabe bzw. Änderung des Inhalts.According to a development of the invention, the decision-making network is prepared as TextScript and thus enables the content to be entered or changed easily.
Nach einer Ausgestaltung der Erfindung ist das Entscheidungs- netzwerk von dem mit dem POS in Verbindung stehenden Hintergrundterminal abrufbar und in dem POS ablaufbar.According to one embodiment of the invention, the decision network can be called up from the background terminal connected to the POS and can be run in the POS.
Ein Ausfuhrungsbeispiel der Erfindung wird nachfolgend anhand der Zeichnungen näher beschrieben.An exemplary embodiment of the invention is described below with reference to the drawings.
Es zeigen:Show it:
Figur 1 : ein Blockschaltbild eines Bezahlsystems mit einem Bezahlterminal undFigure 1 is a block diagram of a payment system with a payment terminal and
Figur 2 : eine schematische Darstellung der Struktur eines in dem Bezahlterminal implementierten Entscheidungs- netzwerkes .Figure 2: a schematic representation of the structure of a decision network implemented in the payment terminal.
Ein Bezahlsystem besteht im wesentlichen aus einem Hintergrundsystem (Hintergrundterminal 1) und einer Mehrzahl mit demselben verbundenen Bezahlterminals 2, die mit einer Bezahlkarte 3 in Kommunikation treten kann.A payment system essentially consists of a background system (background terminal 1) and a plurality of payment terminals 2 connected to the same, which can communicate with a payment card 3.
Das Bezahlterminal 2, das beispielsweise als Händlerterminal (Point of sale (POS) ) ausgebildet sein kann, weist Mittel auf, die den Ablauf eines Bezahlvorgangs steuern und dafür sorgen, daß eine vorgegebene Werteinheit von der Bezahlkarte abgebucht und einem in dem Hintergrundterminal 1 geführten Händlerkonto gutgeschrieben wird. Vorzugsweise kann das Händlerterminal selbst eine Händlerkarte aufweisen, auf die die entsprechende von der Bezahlkarte 3 übertragene Werteinheit gespeichert wird, um nach Sammlung mehrerer Werteinheiten an das Hintergrundterminal 1 weitergeleitet zu werden.The payment terminal 2, which can be designed, for example, as a point of sale (POS), has means that control the process of a payment process and therefore ensure that a specified unit of value is debited from the payment card and credited to a merchant account maintained in the background terminal 1. The dealer terminal itself can preferably have a dealer card on which the corresponding value unit transmitted by the payment card 3 is stored in order to be forwarded to the background terminal 1 after collecting several value units.
Die Bezahlkarte 3 ist als Chipkarte ausgebildet mit einem Mikroprozessor und einem Speicher und weist Mittel auf, so daß eine sichere und zuverlässige Kommunikation mit dem Bezahlterminal 3 gewährleistet ist.The payment card 3 is designed as a chip card with a microprocessor and a memory and has means so that secure and reliable communication with the payment terminal 3 is ensured.
Das Bezahlterminal 2 weist eine Steuereinheit (Mikroprozessor und Speicher) und eine Kommunikationseinheit (Kartenlesegerät) auf. In einem Speicher des Bezahlterminals 2 ist ein Bonusprogramm 4 vorgesehen, das während eines BezahlVorgangs aktiviert ist und feststellt, ob dem Inhaber der Bezahlkarte Bonuspunkte gewährt werden oder nicht. Nach Ablauf des Bonus- Programms 4 werden die gewährten Bonuspunkte als Bonusdaten zur Bezahlkarte 3 hin übertragen und dort abgespeichert.The payment terminal 2 has a control unit (microprocessor and memory) and a communication unit (card reader). A bonus program 4 is provided in a memory of the payment terminal 2, which is activated during a payment process and determines whether the holder of the payment card is granted bonus points or not. After the bonus program 4 has expired, the bonus points granted are transferred as bonus data to the payment card 3 and stored there.
Das Bonusprogramm 4 weist ein oder mehrere Entscheidungsnetzwerke 5 auf, die jeweils einer Bonusapplikation oder Bonusbörse 6 zugeordnet sind. Die Bonusapplikation kann beispielsweise bei Mehrwertkarten einem Händler zugeordnet sein. Das Entscheidungsnetzwerk 5 ermöglicht aufgrund seiner Baumstruktur und der Programmierung in einer strukturellen Programmiersprache ein effizientes und einfach erweiterbares Bonusprogramm 4.The bonus program 4 has one or more decision-making networks 5, each of which is assigned to a bonus application or bonus exchange 6. The bonus application can, for example, be assigned to a dealer for value-added cards. Due to its tree structure and the programming in a structural programming language, the decision network 5 enables an efficient and easily expandable bonus program 4.
Wie aus Figur 2 ersichtlich ist, besteht das Entscheidungs- netzwerk 5 aus einer Mehrzahl von Entscheidungsknoten N, de- nen jeweis eine Bedingung C zuordenbar ist. Beispielsweise ist dem Entscheidungsknoten Nl eine Bedingung C3 zugeordnet, die besagt, ob der Kaufen von Lebensmitteln vorliegt?As can be seen from FIG. 2, the decision network 5 consists of a plurality of decision nodes N, which A condition C can be assigned. For example, a decision C3 is assigned to the decision node N1, which states whether there is a purchase of food?
In Abhängigkeit von dem Ergebnis erfolgt eine Verzweigung V über einen Ja-Zweig J und einen Nein-Zweig K zu weiteren Entscheidungsknoten N2 oder N3.Depending on the result, a branch V takes place via a yes branch J and a no branch K to further decision nodes N2 or N3.
In dem Entscheidungsknoten Nl wird für den Fall eines positiven Ergebnisses eine Entscheidungsregel R2 ausgeführt, nach der dem Inhaber der Bezahlkarte zwanzig Bonuspunkte gutgeschrieben werden, und über den Ja-Zweig J zu dem Entscheidungsknoten N2 verzweigt. Für den Fall eines negativen Ergebnisses wird eine Entscheidungsregel R3 ausgeführt, nach der ein Bonuspunkt pro Liter Benzin gutgeschrieben wird, und über den Nein-Zweig K zu dem Entscheidungsknoten N3 verzweigt.In the case of a positive result, a decision rule R2 is carried out in the decision node N1, according to which twenty bonus points are credited to the holder of the payment card, and the yes branch J branches to the decision node N2. In the event of a negative result, a decision rule R3 is carried out, according to which a bonus point is credited per liter of gasoline, and a branch is made via the no branch K to the decision node N3.
Den weiteren Entscheidungsknoten N2 , N3 sind jeweils gleiche Bedingungen C5 zugeordnet, die abfragen, ob dies der zehnte Besuch des Karteninhabers ist? Der Entscheidungsknoten N2 weist eine Verzweigung V mit einem Ja-Zweig J und einem Nein- Zweig K auf, die beide zu einem Entscheidungsknoten N4 führen, während sich an den Entscheidungsknoten N3 keine Verzweigung V anschließt.The other decision nodes N2, N3 are each assigned the same conditions C5, which query whether this is the tenth visit of the cardholder? The decision node N2 has a branch V with a yes branch J and a no branch K, both of which lead to a decision node N4, while no branch V follows the decision node N3.
Im Entscheidungsknoten N2 wird für den Fall eines positiven Ergebnisses eine Entscheidungsregel R2 ausgeführt, nach der dem Inhaber der Bezahlkarte zwanzig Bonuspunkte gutgeschrieben werden, und über den Ja-Zweig J zu dem Entscheidungsknoten N4 verzweigt. Für den Fall eines negativen Ergebnisses wird keine Entscheidungsregel R ausgeführt und über den Nein- Zweig zu demselben Entscheidungsknoten N4 verzweigt.In the event of a positive result, a decision rule R2 is carried out in the decision node N2, according to which twenty bonus points are credited to the holder of the payment card, and the yes branch J branches to the decision node N4. In the event of a negative result, no decision rule R is carried out and the no branch is branched to the same decision node N4.
ERSATZBUTT (REGEL 26) Im Entscheidungsknoten N3 wird für den Fall eines positiven Ergebnisses eine Entscheidungsregel R5 ausgeführt, wonach der ein Zähler auf Null gesetzt wird. Für den Fall eines negativen Ergebnisses wird eine Entscheidungsregel R4 ausgeführt, wonach der Zähler um eins inkrementiert wird.REPLACEMENT BUTT (RULE 26) In the case of a positive result, a decision rule R5 is carried out in the decision node N3, after which a counter is set to zero. In the event of a negative result, a decision rule R4 is carried out, after which the counter is incremented by one.
Die Entscheidungsknoten N2 und N3 stellen sicher, daß zum einen Bonuspunkte bei Vorliegen der Bedingung C5 vergeben werden und zum anderen eine eindeutige Feststellung des Vorliegen bzw. Nichtvorliegens der Bedingung C5 ermöglicht wird.The decision nodes N2 and N3 ensure that, on the one hand, bonus points are awarded if condition C5 is present and, on the other hand, a clear determination of the presence or absence of condition C5 is made possible.
Das Entscheidungsnetzwerk 5 ermöglicht somit eine variable Verknüpfung von Entscheidungsknoten N, denen jeweils Bedingungen C einerseits und eine Verzweigung V und/oder ein oder zwei Entscheidungsregeln R anderseits zugeordnet sind. Hierdurch lassen sich beliebig viele Bedingungen C mit Entscheidungsregeln R verknüpfen, wobei die Baumstruktur eine gute grafische Übersicht ermöglicht, die sich programmiervereinfachend auswirkt. Dadurch, daß die Verzweigung V als Ja-/Nein- Verzweigung mit einem Ja-Zweig und einem Nein-Zweig ausgebildet ist, wird eine einfache Baumstruktur gewährleistet. The decision network 5 thus enables a variable connection of decision nodes N, to which conditions C on the one hand and a branch V and / or one or two decision rules R on the other hand are assigned. As a result, any number of conditions C can be linked to decision rules R, the tree structure providing a good graphical overview that simplifies programming. The fact that the branch V is designed as a yes / no branch with a yes branch and a no branch ensures a simple tree structure.

Claims

Patentansprüche claims
1. Bezahlterminal, das mit einer mindestens eine Werteinheit aufweisenden Bezahlkarte einerseits und mit einem Hintergrundterminal andererseits koppelbar ist,1. Payment terminal, which can be coupled with a payment card having at least one value unit on the one hand and with a background terminal on the other,
- mit einer Steuereinheit, die Mittel zum Verändern der auf der Bezahlkarte angeordneten Werteinheiten aufweist,with a control unit which has means for changing the value units arranged on the payment card,
- mit einer Kommunikationseinheit, die Mittel zum bidirektionalen Übertragen von Informationen zwischen der Bezahlkarte und dem Hintergrundterminal aufweist, dadurch gekennzeichnet, daß die auf die Bezahlkarte (3) zu übertragenen Werteinheiten mittels Durchlauf eines verzweigten Entscheidungsnetzwerkes (5) bestimmbar sind, wobei das Entscheidungsnetzwerk (5) besteht aus:- With a communication unit which has means for bidirectional transmission of information between the payment card and the background terminal, characterized in that the value units to be transmitted to the payment card (3) can be determined by running through a branched decision-making network (5), the decision-making network (5 ) consists:
- einer Mehrzahl von miteinander verknüpften Entscheidungsknoten (N) , denen jeweils zum einen eine vorgegebene Bedingung (C) und zum anderen ein oder zwei Entscheidungsregeln (R) zugeordnet sind, und daß in Abhängigkeit von dem Vorliegen oder Nichtvorüegen der Bedingung (C) ein weiterer Entscheidungsknoten (N) aktivierbar ist.- A plurality of interconnected decision nodes (N), each of which a predetermined condition (C) and the other one or two decision rules (R) are assigned, and that depending on the presence or absence of condition (C) another Decision node (N) can be activated.
2. Bezahlterminal nach Anspruch 1, dadurch gekennzeichnet, daß dem Entscheidungsknoten (N) eine Verzweigung (V) mit einer Anzahl von Zweigen (J, K) zugeordnet ist, mittels derer der Entscheidungsknoten (N) zu mindestens einem weiteren Entscheidungsknoten (N) verknüpfbar ist. 2. Payment terminal according to claim 1, characterized in that the decision node (N) is assigned a branch (V) with a number of branches (J, K), by means of which the decision node (N) can be linked to at least one further decision node (N) is.
3. Bezahlterminal nach Anspruch 1 oder 2, dadurch gekennzeichnet, daß die Verzweigung (V) aus zwei Zweigen (J, K) gebildet ist, denen jeweils eine einzige Entscheidungsregel (R) zugeordnet sind.3. Payment terminal according to claim 1 or 2, characterized in that the branch (V) is formed from two branches (J, K), each of which a single decision rule (R) are assigned.
4. Bezahlterminal nach Anspruch 3, dadurch gekennzeichnet, daß die Zweige als Ja-Zweig (J) und Nein-Zweig (K) ausgebildet sind, die jeweils eine Antwort auf die entsprechende Bedingung (C) des betreffenden Entscheidungsknoten (N) bilden.4. Payment terminal according to claim 3, characterized in that the branches are designed as a yes branch (J) and a no branch (K), each of which form a response to the corresponding condition (C) of the relevant decision node (N).
5. Bezahlterminal nach einem der Ansprüche 1 bis 4, dadurch gekennzeichnet, daß das Entscheidungsnetzwerk (5) Bestandteil eines Bonusprogramms (4) ist und daß die Bedingung (C) der Entseheidungszustände (N) in Abhängigkeit von bonusrelevanten Informationen abfragbar sind.5. Payment terminal according to one of claims 1 to 4, characterized in that the decision network (5) is part of a bonus program (4) and that the condition (C) of the decision on decision (N) can be queried as a function of bonus-relevant information.
6. Bezahlterminal nach einem der Ansprüche 1 bis 5, dadurch gekennzeichnet, daß die Verzweigungsregel (R) ein Bonus- datum erzeugt, daß auf der Bezahlkarte (3) abspeicherbar ist.6. Payment terminal according to one of claims 1 to 5, characterized in that the branching rule (R) generates a bonus date that can be stored on the payment card (3).
7. Bezahlterminal nach einem der Ansprüche 1 bis 6, dadurch gekennzeichnet, daß die Bonusdaten in einer anbieterspezifischen Bonusbörse der Bezahlkarte (3) abspeicherbar sind.7. Payment terminal according to one of claims 1 to 6, characterized in that the bonus data can be stored in a provider-specific bonus exchange of the payment card (3).
8. Bezahlterminal nach einem der Ansprüche 1 bis 7, dadurch gekennzeichnet, daß die Bonusdaten in dem Hintergrundter- minal (1) abspeicherbar sind.8. Payment terminal according to one of claims 1 to 7, characterized in that the bonus data can be stored in the background terminal (1).
9. Bezahlterminal nach einem der Ansprüche 1 bis 8, dadurch gekennzeichnet, daß das Bonusprogramm (4) in dem Bezahl - terminal (2) implementiert ist und daß Änderungen an dem Entscheidungsnetzwerk (5) selbsttätig von dem zentralen Hintergrundterminal (1) her erfolgen. 9. Payment terminal according to one of claims 1 to 8, characterized in that the bonus program (4) is implemented in the payment terminal (2) and that changes to the decision network (5) take place automatically from the central background terminal (1).
0. Bezahlterminal nach einem der Ansprüche 1 bis 9, dadurch gekennzeichnet, daß das Bonusprogramm (4) an einen Bezahlvorgang gekoppelt ist. 0. Payment terminal according to one of claims 1 to 9, characterized in that the bonus program (4) is coupled to a payment process.
PCT/DE2000/002343 1999-07-17 2000-07-17 Pay terminal WO2001006423A1 (en)

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DE19933694B4 (en) 2019-08-22
AU6426100A (en) 2001-02-05
DE19933694A1 (en) 2001-01-18

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