Method and apparatus for targeted marketing in embedded chip post issuance transactions

Abstract

A method and apparatus for linking an application service provider to a chipholder during a post issuance operation involving the chipholder. The method and apparatus is implemented by a set of extensible markup language structures for transmitting promotional content and application content information to a chipholder in a smart card system. The smart card system comprises a chip management system (CMS), a distribution server, a security server, an application provider (AP), and a computer system connected by a network. Extensible markup language (SML) is used for post issuance data transactions. Specific XML structures are used to transmit application promotional data (APD) and application content data (ACD) to a CMS for packaging to chipholder during post issuance transactions. The APD and ACD are prepared by the application provider and stored in a marketing file. Responsive to receipt of a request transaction from the CMS by the AP, a determination is made whether an application identifier matches an APD and / or an ACD in the marketing file. If a match is made the APD and / or ACD is included in a response message to the CMS. Upon receipt of the response message, the CMS packages the data for transmittal to the chipholder through the distribution server.

Description

Technical field [0001] The present invention generally relates to smart cards, and more specifically, to a system that introduces targeted marketing into smart card transaction processing. Background technique [0002] Most smart cards currently in use are flat rectangular plastic credit cards with electronic circuits embedded in them. A typical smart card includes a microprocessor coupled to a memory, and the microprocessor executes instructions and operates on data of at least one application software stored in the memory. Smart cards provide a small and portable computing resource to complete transactions in areas such as banking, sales, or security. Smart cards usually come in the form of credit cards, key-shaped tokens, and subscriber identification modules (SIMs) used in certain types of cellular phones. [0003] Many smart cards have a set of conductive contacts arranged on the upper surface. The smart card reader / writer that communicates with this smart card has a set of ...

AI Technical Summary

Problems solved by technology

[0014] When the person to whom the smart card is issued (the cardholder) performs a transaction with the smart card (post-issuance data transaction) in the smart card system involving instructions and data to add, modify or delete data stored in the chip (post-issuance data transaction), the cardholder the operator cannot obtain additional information about the specific application being passed from the server-originated secure session

As a result, Application Providers (AP) cannot extend their marketing channels through the chip management system

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