Smart Card Post-Issuance Promotional Content Delivery
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Solution Overview
Problem
Smart card systems lack a mechanism to deliver targeted promotional content and application information to chipholders during post issuance operations, limiting the ability of application providers to extend their marketing channels and engage users effectively.
Innovation Solution
A method and apparatus using Extensible Markup Language (XML) structures to transmit promotional content and application information to chipholders within the smart card system, linking the application service provider to the chipholder through a chip management system, distribution server, and security server, enabling personalized entitlement data and available options to be presented during post issuance transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If traditional smart card systems are used for transactions, then security and portability are maintained, but the ability to deliver targeted marketing content and engage users is limited
Solution Approach 1:
The smart card system is enhanced to perform multiple functions: traditional secure transactions plus targeted marketing content delivery. The card maintains its original security and transaction capabilities while adding marketing functionality through personalized content delivery based on chipholder profiles and transaction context.
Solution Approach 2:
Chipholder profiles are pre-configured with demographic information, preferences, and behavioral data before transactions occur. This preliminary preparation enables the system to immediately deliver relevant promotional content during transactions without requiring real-time data collection or processing delays.
2Reliability
If focused advertising strategies are implemented to target specific audiences, then success probability increases, but demographic access and data collection complexity increase
Solution Approach 1:
The smart card system automatically collects and utilizes chipholder demographic and behavioral information during routine transactions without requiring separate data collection mechanisms. The existing transaction infrastructure serves dual purposes: processing payments and gathering marketing-relevant data, eliminating the need for additional complex data collection systems.
Solution Approach 2:
The marketing data collection and delivery functions are merged with the existing smart card transaction system. Demographic information, transaction data, and promotional content delivery are integrated into a single unified system, reducing overall complexity while enabling targeted advertising capabilities.
3Productivity
If application providers want to extend marketing channels beyond transactions, then user engagement improves, but system complexity increases
Solution Approach 1:
The system enables continuous marketing interactions with chipholders beyond transaction moments. Personalized promotional content is delivered at multiple touchpoints including during transactions, via notifications, and through ongoing engagement channels, maintaining continuous useful action rather than isolated transactional marketing.
Solution Approach 2:
The smart card system acts as an intermediary between application providers and chipholders for marketing communications. Rather than providers directly managing complex multi-channel marketing systems, the smart card infrastructure mediates content delivery through standardized interfaces, simplifying the overall system architecture while extending marketing reach.
Data Source
AI summary
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.