本申请是基于申请号为201280038073.9、申请日为2012年5月30日、发明名称为“用于通过电子钱包支付的系统”的专利申请的分案申请。This application is a divisional application based on the patent application with the application number 201280038073.9, the application date is May 30, 2012, and the invention title is "system for payment by electronic wallet".
相关申请的交叉引用Cross References to Related Applications
本申请要求下列申请的优先权：美国临时专利申请No.61/491,791和61/491,813，两者均提交于2011年5月31日，并且名称为“A System for Payment via ElectronicWallet(用于通过电子钱包支付的系统)”；美国临时专利申请No.61/496,397和61/496,404，两者均提交于2011年6月13日，并且名称为“System,Method,and Apparatus forCreating and Distributing a Transaction Credit(用于创建和分配交易信用的系统、方法和设备)”，其中每一份都以引用方式全文并入本文中。This application claims priority from the following applications: U.S. Provisional Patent Application Nos. 61/491,791 and 61/491,813, both filed May 31, 2011, and entitled "A System for Payment via Electronic Wallet" System, Method, and Apparatus for Creating and Distributing a Transaction Credit ( Systems, Methods, and Apparatus for Creating and Assigning Transaction Credits), each of which is incorporated herein by reference in its entirety.
本申请还以引用方式并有下列申请的公开内容、主题和概念的全部：美国专利申请No.12/538,083，该申请提交于2009年8月7日，名称为“Transaction ProcessingPlatform for Facilitating Electronic Distribution of Plural Prepaid Services(用于便利多种预付服务的电子分配的交易处理平台)”，并且是提交于2008年12月18日的美国专利申请No.12/338,854的继续申请，美国专利申请No.12/338,854是提交于2007年9月6日的美国专利申请No.11/851,337的继续申请(现在为美国专利No.7,477,731)，美国专利申请No.11/851,337是提交于2004年12月7日的美国专利申请No.11/007,662(现在为美国专利No.7,280,644)的继续申请；美国专利申请No.13/040,074，该申请提交于2011年3月3日并且名称为“System and Method for Electronic Prepaid Account Replenishment(用于电子预付帐户补充的系统和方法)”；美国专利申请No.10/821,815，该申请提交于2004年4月9日并且名称为“System and Method for Distributing PersonIdentification Numbers Over a Computer Network(用于通过计算机网络分配个人识别码的系统和方法)”；美国专利申请No.12/786,403，该申请提交于2010年5月24日并且名称为“System and Method for Distributing Person Identification Numbers Over aComputer Network(用于通过计算机网络分配个人识别码的系统和方法)”；美国专利申请No.12/711,211，该申请提交于2010年2月23日并且名称为“System and Method forDistributing Person Identification Numbers Over a Computer Network(用于通过计算机网络分配个人识别码的系统和方法)”；以及美国专利申请No.12/719,741，该申请提交于2010年3月8日并且名称为“Systems and Methods for Personal IdentificationNumber Distribution and Delivery(用于个人识别码分配和递送的系统和方法)”。This application is also incorporated by reference in its entirety for the disclosure, subject matter, and concepts of: U.S. Patent Application No. 12/538,083, filed August 7, 2009, and entitled "Transaction Processing Platform for Facilitating Electronic Distribution of Plural Prepaid Services (Transaction Processing Platform for Facilitating the Electronic Distribution of Multiple Prepaid Services), and a continuation of U.S. Patent Application No. 12/338,854, filed December 18, 2008, U.S. Patent Application No. 12 /338,854 is a continuation of U.S. Patent Application No. 11/851,337 filed September 6, 2007 (now U.S. Patent No. 7,477,731), which was filed on December 7, 2004 Continuation of U.S. Patent Application No. 11/007,662 (now U.S. Patent No. 7,280,644); U.S. Patent Application No. 13/040,074, filed March 3, 2011 and titled "System and Method for Electronic Prepaid Account Replenishment (system and method for electronic prepaid account replenishment)"; U.S. Patent Application No. 10/821,815, filed April 9, 2004 and titled "System and Method for Distributing Person Identification Numbers Over a Computer Network (system and method for distributing personal identification numbers over a computer network)"; U.S. Patent Application No. 12/786,403, filed May 24, 2010 and titled "System and Method for Distributing Person Identification Numbers Over a Computer Network (system and method for distributing personal identification numbers over a computer network); a Computer Network (system and method for assigning personal identification numbers over a computer network)"; and U.S. Patent Application No. 12/719 ,741, the application was filed on March 8, 2010 and is titled "Systems and Methods for Personal Identification Number Distribution and Delivery (systems and methods for distribution and delivery of personal identification numbers)".
背景技术Background technique
电子交易市场目前充斥着许多类型的信用卡、借记卡、储值卡和忠诚卡，所有这些卡都可以由不同的发行者、卖主和提供者提供。一些卡被定制以从零售商赎回，而另一些卡可以由金融机构赎回。其它卡具有绑定的促销，例如，忠诚卡。然而，卡的数量和复杂性不断增加使得组织和赎回越来越困难，从而潜在地阻碍市场的增长。例如，用户在特定商店购物期间可能不知道或不记得其拥有该商店的储值卡，因为该用户拥有太多储值卡。另外，用户可能不理解为使用卡的他提供的与忠诚卡结合的各种类型的促销，因此，可能不会从适用于用户的购物的促销获益。以往，卡具体化在诸如塑料的有形介质中，因此容易丢失、失窃，或者只是在需要时落在家中。随着提供给消费者的基于卡的交易出售物的不断增加，许多消费者面临组织、管理、追踪、运输和保管他们的所有信用卡、借记卡、储值卡、忠诚卡和其它类型的商家、卖主和提供者发行的卡的繁重任务。今天的消费者所需要的是获取和使用他们的与卡有关的财产的更高效、安全和有效的方式。The electronic transaction market is currently flooded with many types of credit cards, debit cards, stored value cards and loyalty cards, all of which are available from a variety of issuers, vendors and providers. Some cards are customized to be redeemed from retailers, while others can be redeemed by financial institutions. Other cards have promotions tied to them, eg loyalty cards. However, the increasing number and complexity of cards is making organization and redemption increasingly difficult, thereby potentially hampering the growth of the market. For example, a user may not know or remember that he has a stored value card for that store while shopping at a particular store because the user has too many stored value cards. In addition, the user may not understand the various types of promotions offered to him for using the card in conjunction with the loyalty card and, therefore, may not benefit from promotions applicable to the user's purchases. Traditionally, cards have been embodied in tangible media such as plastic, making them easily lost, stolen, or simply left at home when needed. With the increasing number of card-based transaction offerings offered to consumers, many consumers are faced with the challenge of organizing, managing, tracking, shipping and keeping all of their credit cards, debit cards, stored value cards, loyalty cards and other types of merchants , the onerous task of issuing cards from vendors and providers. What today's consumers want is a more efficient, secure and effective way to acquire and use their card-related assets.
发明内容Contents of the invention
本文所公开的是计算机实施的方法和系统，在一个实施例中包括用于实施电子钱包的计算机实施的方法和系统，并且包括诸如向电子钱包或其一部分(例如，子钱包)添加价值代币(value token)或从电子钱包或其一部分赎回价值代币的功能。在一个实施例中，一种方法包括接收针对电子钱包或子钱包的支付交易的全部或一部分的处理请求。该方法还包括识别钱包或子钱包中的一个或多个价值代币，其在一起使用时将满足支付交易的全部或一部分。该方法还包括将电子价值代币应用到支付交易的全部或一部分。Disclosed herein are computer-implemented methods and systems, including in one embodiment, computer-implemented methods and systems for implementing an electronic wallet, and including, for example, adding value tokens to an electronic wallet or a portion thereof (e.g., a sub-wallet) (value token) or the ability to redeem value tokens from an electronic wallet or a portion thereof. In one embodiment, a method includes receiving a request to process all or a portion of a payment transaction for an electronic wallet or sub-wallet. The method also includes identifying one or more tokens of value in the wallet or sub-wallet that, when used together, will satisfy all or a portion of the payment transaction. The method also includes applying the electronic token of value to all or a portion of the payment transaction.
在另一个实施例中，非瞬时性机器可读存储装置包括可执行指令，其在执行时造成一个或多个处理器接收针对电子子钱包、支付交易的一部分、包括子钱包的电子钱包、对钱包所处理的支付交易的处理请求。处理器还被致使识别子钱包中的一个或多个价值代币，这些价值代币在一起使用时将满足支付交易的所述部分。处理器还被致使将电子价值代币应用于支付交易的所述部分。In another embodiment, a non-transitory machine-readable storage device includes executable instructions that, when executed, cause one or more processors to receive instructions for an electronic sub-wallet, a portion of a payment transaction, an electronic wallet including a sub-wallet, an A processing request for a payment transaction processed by the wallet. The processor is also caused to identify one or more value tokens in the sub-wallet that when used together will satisfy said portion of the payment transaction. The processor is also caused to apply the electronic token of value to said portion of the payment transaction.
在另一个实施例中，一种系统包括一个或多个处理器和联接到该一个或多个处理器的存储器。存储器包括可执行指令，其在执行时造成一个或多个处理器接收针对电子子钱包、支付交易的一部分、包括子钱包的电子钱包、对钱包所处理的支付交易的处理请求。一个或多个处理器还被致使识别子钱包中的一个或多个价值代币，这些价值代币在一起使用时将满足支付交易的所述部分。一个或多个处理器还被致使将电子价值代币应用于支付交易的所述部分。In another embodiment, a system includes one or more processors and memory coupled to the one or more processors. The memory includes executable instructions that, when executed, cause the one or more processors to receive a processing request for an electronic sub-wallet, a portion of a payment transaction, an electronic wallet including a sub-wallet, a payment transaction processed by the wallet. The one or more processors are also caused to identify one or more value tokens in the sub-wallets that, when used together, will satisfy said portion of the payment transaction. The one or more processors are also caused to apply the electronic token of value to the portion of the payment transaction.
在一个实施例中，一种电子价值代币交易计算机包括销售点接口和分类单元，并且联接到储值卡交易计算机的数据存储区包括电子钱包单元。销售点接口接收请求，并且分类单元将请求中的一个识别为包括验证信息的电子钱包请求。电子价值代币交易计算机经由电子钱包单元访问与验证信息相关联的电子钱包。电子价值代币交易计算机检查与电子钱包相关联的规则并且基于该规则选择电子钱包中的价值代币，这些价值代币在一起使用时将满足电子钱包请求。电子价值代币交易计算机将电子价值代币应用于电子钱包请求。In one embodiment, an electronic value token transaction computer includes a point-of-sale interface and a sorting unit, and a data storage area coupled to the stored-value card transaction computer includes an electronic wallet unit. The point-of-sale interface receives the requests, and the classification unit identifies one of the requests as an e-wallet request including authentication information. The electronic value token transaction computer accesses the electronic wallet associated with the verification information via the electronic wallet unit. The electronic value token transaction computer examines the rules associated with the electronic wallet and based on the rules selects value tokens in the electronic wallet that, when used together, will satisfy the electronic wallet request. The electronic value token transaction computer applies the electronic value token to the electronic wallet request.
附图说明Description of drawings
图1A、图2A、图2B和图2C是根据至少一个实施例的电子价值代币交易处理系统的示意图。1A, 2A, 2B, and 2C are schematic diagrams of an electronic value token transaction processing system, according to at least one embodiment.
图1B示出电子钱包的示例性实施例。Figure IB illustrates an exemplary embodiment of an electronic wallet.
图3A、图3B和图3C是根据至少一个实施例的代表性个人代理卡的前透视图。3A, 3B, and 3C are front perspective views of representative personal proxy cards, according to at least one embodiment.
图3D是根据至少一个实施例的代表性个人数字助理的前透视图。Figure 3D is a front perspective view of a representative personal digital assistant, according to at least one embodiment.
图4A是描绘根据至少一个实施例的由电子价值代币交易计算机用来创建电子钱包或将价值代币添加到电子钱包或从电子钱包赎回价值代币的示例性过程的流程图。4A is a flowchart depicting an exemplary process used by an electronic value token transaction computer to create an electronic wallet or add value tokens to or redeem value tokens from an electronic wallet in accordance with at least one embodiment.
图4B是描绘根据至少一个实施例的由电子价值代币交易计算机用来创建电子子钱包或将价值代币添加到电子子钱包或从电子子钱包赎回价值代币的示例性过程的流程图。4B is a flowchart depicting an exemplary process used by an electronic value token transaction computer to create an electronic sub-wallet or add value tokens to or redeem value tokens from an electronic sub-wallet, in accordance with at least one embodiment. .
图5示出适合实施本公开的若干实施例的特定机器。Figure 5 illustrates a specific machine suitable for implementing several embodiments of the present disclosure.
图6A-6D示出根据至少一个实施例的一系列用户接口画面和提示。6A-6D illustrate a series of user interface screens and prompts in accordance with at least one embodiment.
具体实施方式detailed description
本文所公开的是一种用于组织、管理、运输、保管和使用与信用卡、借记卡、忠诚卡和储值卡有关的所有形式的财产的高效、安全且有效的方法，所公开的方法包括电子钱包(“e钱包”)。如图1B所示，e钱包是一种以电子方式保持的数据文件，其可包括验证信息、使用规则、子钱包(例如，用于单独地保持与信用卡有关的信息、与借记卡有关的信息和与储值卡有关的信息)、以及电子价值代币(例如，与包含在e钱包/子钱包中的与信用卡有关的信息、与借记卡有关的信息和与储值卡有关的信息相关联的货币价值和/或其它价值的电子表示)。在某些实施例中，如图6A-6D所反映的，用户可以创建e钱包，为e钱包建立规则，提供e钱包，并且访问e钱包以有利于电子交易。Disclosed herein is an efficient, secure and effective method for organizing, managing, transporting, safekeeping and using all forms of property related to credit cards, debit cards, loyalty cards and stored value cards, the disclosed method Includes electronic wallets ("e-wallets"). As shown in Figure 1B, an e-wallet is a data file held electronically that may include authentication information, usage rules, sub-wallets (e.g., for separately holding credit card-related information, debit card-related information and information related to stored-value cards), and electronic value tokens (for example, information related to credit cards, information related to debit cards and information related to stored-value cards contained in e-wallets/sub-wallets associated monetary value and/or an electronic representation of other value). In certain embodiments, as reflected in FIGS. 6A-6D , a user may create an e-wallet, establish rules for the e-wallet, provision the e-wallet, and access the e-wallet to facilitate electronic transactions.
如图1A、图2A-2B和图4A-4B所示，本文还公开了一种电子价值代币交易处理系统，其为用户、商家、卖主、发行者、提供者和其他利益相关方提供了一种用于有利于在交融交易中组织、管理、运输、保管和使用前述e钱包和电子价值代币的高效、安全且有效的系统。As shown in Figure 1A, Figure 2A-2B and Figure 4A-4B, this paper also discloses an electronic value token transaction processing system, which provides users, merchants, vendors, issuers, providers and other stakeholders with An efficient, secure and effective system for facilitating the organization, management, transportation, custody and use of the aforementioned e-wallets and electronic value tokens in fusion transactions.
如本文将更全面描述的，存在某些由e钱包和e钱包使能系统采用的基本概念和功能。这些概念包括e钱包的创建、提供e钱包(例如，将有形卡转换为电子价值代币并将电子价值代币关联到e钱包或请求将电子价值代币与e钱包相关联)、访问e钱包、以及为e钱包的使用建立规则。As will be described more fully herein, there are certain basic concepts and functions employed by e-wallets and e-wallet-enabled systems. These concepts include the creation of e-wallets, providing e-wallets (for example, converting physical cards to electronic value tokens and linking electronic value tokens to e-wallets or requesting to link electronic value tokens to e-wallets), accessing e-wallets , and establish rules for the use of e-wallets.
此外，如本文将更全面详述的，e钱包可在其中e钱包提供者管理e钱包的全部内容(例如，主e钱包、任何子钱包或副钱包、以及其中的相关的电子价值代币)的系统中使用。备选地，e钱包可在这样的系统中使用：其中，e钱包提供者仅管理e钱包的内容的一部分(例如，主e钱包和其中的电子价值代币)，而将一个或多个(或所有)子钱包或副钱包的管理委托给第三方的电子价值代币交易处理系统。Additionally, as will be detailed more fully herein, an e-wallet may be one in which an e-wallet provider manages the entire contents of an e-wallet (e.g., a master e-wallet, any sub-wallets or secondary wallets, and associated electronic value tokens therein) used in the system. Alternatively, e-wallets may be used in systems where an e-wallet provider manages only a portion of the contents of an e-wallet (e.g., a master e-wallet and the electronic value tokens therein), while one or more ( or all) the management of the sub-wallet or sub-wallet is entrusted to a third-party electronic value token transaction processing system.
如本文将进一步详述的，这两种所描述的管理系统中任一种可被配置成允许系统的用户完全管理用户的e钱包的功能；参与由发行者、卖主和/或其他电子价值代币有关方提供的增值/赠品计划；参与换卡活动(例如，其中用户将保持在其e钱包中的电子价值代币兑换成不在e钱包中的电子价值代币)；以及参与由发行者、卖主和/或其他电子价值代币有关方提供的储蓄计划。As will be detailed further herein, either of the two described management systems can be configured to allow the user of the system to fully manage the functionality of the user's e-wallet; value-added/giveaway programs offered by currency related parties; participation in card exchange programs (e.g., in which users exchange electronic value tokens held in their e-wallets for electronic value tokens not in their e-wallets); and participation in exchange programs organized by issuers, Savings schemes offered by vendors and/or other parties involved in e-value tokens.
图1A示出示例性的电子价值代币交易处理系统100。具体而言，图1A示出配置用于与销售点装置111通信的电子价值代币交易计算机150、一个或多个授权系统160(如，零售商、银行和信用卡)、以及数据存储区180。此外，图1A示出销售点装置111与代理卡200(其将在下文中显示为表示用于供用户访问e钱包的装置的实施例)通信并且数据存储区180包括e钱包单元199，e钱包单元199又包括e钱包10。FIG. 1A illustrates an exemplary electronic value token transaction processing system 100 . Specifically, FIG. 1A shows an electronic value token transaction computer 150 , one or more authorization systems 160 (eg, retailers, banks, and credit cards), and a data store 180 configured for communication with a point-of-sale device 111 . Furthermore, FIG. 1A shows that the point-of-sale device 111 is in communication with a proxy card 200 (which will hereinafter be shown to represent an embodiment of a device for a user to access an e-wallet) and that the data storage area 180 includes an e-wallet unit 199, the e-wallet unit 199 includes e-wallet 10 again.
图1B示出根据一个实施例的电子钱包10，并且应当理解，e钱包10的细节可以用于本文所公开的各种实施例中的任一个(例如，作为图1A、图2A和图2B的e钱包10)并且所述e钱包10的维护可以完全由单个e钱包系统(例如，电子价值代币交易处理系统100)执行或者可以分配到多个e钱包系统(例如，电子价值代币交易处理系统1100和1200以及E-钱包聚合器系统1000)。具体而言，图1B示出电子钱包10，其包括验证信息801、规则802、电子价值代币804、用于信用卡电子价值代币的子钱包807、子钱包(具有对应的规则817和电子价值代币827)、用于借记卡电子价值代币的子钱包808(具有对应的规则818和电子价值代币828)、以及用于储值卡电子价值代币的子钱包809(具有对应的规则819和电子价值代币829)。图1A和图1B可从下面的讨论进一步理解。Figure 1B illustrates an e-wallet 10 according to one embodiment, and it should be understood that details of the e-wallet 10 may be used in any of the various embodiments disclosed herein (e.g., as the e-wallet 10) and maintenance of said e-wallet 10 may be performed entirely by a single e-wallet system (e.g., electronic value token transaction processing system 100) or may be distributed among multiple e-wallet systems (e.g., electronic value token transaction processing system 100) systems 1100 and 1200 and E-wallet aggregator system 1000). Specifically, FIG. 1B shows an electronic wallet 10 including verification information 801, rules 802, electronic value tokens 804, sub-wallets 807 for credit card electronic value tokens, sub-wallets (with corresponding rules 817 and electronic value token 827), sub-wallet 808 for debit card electronic value tokens (with corresponding rules 818 and electronic value tokens 828), and sub-wallet 809 for stored-value card electronic value tokens (with corresponding Rule 819 and Electronic Value Tokens 829). Figures 1A and 1B can be further understood from the discussion below.
为了消除在组织、运输、安全性和赎回方面不断增加的复杂性，交易卡以电子方式存储为电子钱包中的价值代币。如本文所用，价值代币是指可用来与愿意例如作为购买的招标接受电子价值代币的一方交易业务的电子标识符。这样的价值代币的示例包括储值卡(也称为预付卡)和各种类型的价值的其它物理表示(例如，信用卡、借记卡、礼品卡、预付电话卡、忠诚卡、会员卡、票或票卡、娱乐卡、运动卡、预付卡、优惠券、入场证、预付或预购的商品或服务等)的电子表示或与之相关联。在一个实施例中，价值代币包括现金或货币。在一个实施例中，电子价值代币包括信用卡或借记卡或帐户。在一个实施例中，价值代币包括预先存在的帐户，例如商家帐户、银行帐户等。在一个实施例中，价值代币包括商家发行的和/或接受的信用、积分、优惠券或促销价值。在一个实施例中，价值代币与预付卡或帐户相关联，并且除非另外指明，应当理解，本文所述各种实施例可以在诸如商家礼品卡的预付卡或帐户的背景下实现。To remove the ever-increasing complexity of organization, shipping, security and redemption, transaction cards are stored electronically as tokens of value in electronic wallets. As used herein, a value token refers to an electronic identifier that can be used to transact business with a party willing to accept an electronic value token, eg, as a solicitation for purchase. Examples of such value tokens include stored-value cards (also known as prepaid cards) and other physical representations of value of various types (e.g., credit cards, debit cards, gift cards, prepaid phone cards, loyalty cards, membership cards, or tickets, entertainment cards, sports cards, prepaid cards, coupons, admission passes, prepaid or pre-purchased goods or services, etc.) In one embodiment, tokens of value include cash or currency. In one embodiment, the electronic token of value includes a credit or debit card or account. In one embodiment, the token of value includes a pre-existing account, such as a merchant account, bank account, or the like. In one embodiment, the value tokens include merchant-issued and/or accepted credits, points, coupons, or promotional value. In one embodiment, the value token is associated with a prepaid card or account, and unless otherwise indicated, it should be understood that the various embodiments described herein may be implemented in the context of a prepaid card or account such as a merchant gift card.
物理信用卡、借记卡、储值卡或其它价值的物理表示可转换为价值代币以添加到电子钱包。例如，物理礼品卡或其它价值的物理表示可通过销售点装置、移动电话、计算机、短消息服务(“SMS”)等转化为用户的电子钱包中的价值代币。一旦如此转化，电子价值代币可在验证之后由用户通过在购买期间访问用户的电子钱包而赎回，而不必拥有诸如礼品卡的物理表示。这样，本文所用术语价值代币是指电子表示和能转化为电子表示的物理表示。在至少一个实施例中，物理礼品卡在转化之后失效。在备选实施例中，物理礼品卡在使用电子钱包或物理礼品卡赎回电子价值代币之后失效。A physical credit card, debit card, stored-value card, or other physical representation of value can be converted into value tokens to add to an e-wallet. For example, a physical gift card or other physical representation of value can be converted into a token of value in a user's electronic wallet via a point-of-sale device, mobile phone, computer, short message service ("SMS"), or the like. Once so converted, the electronic value token can be redeemed by the user after verification by accessing the user's electronic wallet during the purchase without having to possess a physical representation such as a gift card. As such, the term token of value as used herein refers to both electronic representations and physical representations that can be converted into electronic representations. In at least one embodiment, the physical gift card expires after conversion. In an alternative embodiment, the physical gift card expires after the electronic value token is redeemed using the electronic wallet or physical gift card.
消费者使用价值代币通常涉及卖主、赎回商家或零售商、以及发行者。在各种实施例中，卖主、赎回商家和发行者可以是相同的、不同的或有关的实体。在那里购买价值代币或以其它方式提供价值代币以包括在电子钱包中的销售点可被称为卖主。因此，卖主销售电子价值代币本身，但电子价值代币可以在另一个商业场所赎回。将接受价值代币以用于商业交易(例如，作为购买的招标)的实体可被称为赎回商家或零售商。例如，杂货店可以销售服装店的电子价值代币。杂货店为卖主，而服装店为赎回商家或零售商。提供对诸如预付卡或帐户的给定价值代币的金融支持和/或支付处理的实体可被称为发行者。发行者包括诸如带商店品牌的价值代币(例如，由商家直接发行的带商店品牌的预付卡或代币，有时称为闭环预付卡)的价值代币的直接发行者，并且在一些实施例中，卖主也可以是发行者和/或赎回商家(例如，由相同商家发行、销售和赎回的预付卡或代币)。发行者还包括诸如银行、VISA、MasterCard、American Express等的金融机构，并且由此类机构发行的价值代币可以容易地被许多赎回商家接受以进行诸如购买的交易(有时称为开环预付卡或代币，因为它们可以在许多不同的商家处赎回)。发行者也可以是诸如Google、Facebook、Twitter等有品牌的电子钱包的提供者，并且在一些实施例中，此类有品牌的钱包包含与发行者相关联的价值代币(例如，Google“现金”或信用、PayPal货币、Facebook电子货币等)，并且可以包括包含与礼品卡有关的价值代币的子钱包、包含与信用卡有关的价值代币的子钱包、包含与借记卡有关的价值代币的子钱包、或它们的组合或与它们相关联。Consumer use of value tokens typically involves a seller, a redeeming merchant or retailer, and an issuer. In various embodiments, the seller, redemption merchant, and issuer may be the same, different, or related entities. Points of sale where Value Tokens are purchased or otherwise offered for inclusion in an e-Wallet may be referred to as Vendors. Thus, the seller sells the e-value token itself, but the e-value token can be redeemed at another place of commerce. Entities that will accept value tokens for commercial transactions (eg, as solicitations for purchase) may be referred to as redeeming merchants or retailers. For example, a grocery store could sell electronic value tokens for clothing stores. Grocery stores are sellers, while clothing stores are redemption merchants or retailers. Entities that provide financial backing and/or payment processing for a given value token, such as a prepaid card or account, may be referred to as issuers. Issuers include direct issuers of value tokens such as store-branded value tokens (e.g., store-branded prepaid cards or tokens issued directly by merchants, sometimes referred to as closed-loop prepaid cards), and in some embodiments In , the seller can also be the issuer and/or redeeming merchant (eg, a prepaid card or token issued, sold and redeemed by the same merchant). Issuers also include financial institutions such as banks, VISA, MasterCard, American Express, etc., and value tokens issued by such institutions can be readily accepted by many redeeming merchants for transactions such as purchases (sometimes called open-loop prepaid cards or tokens as they can be redeemed at many different merchants). The issuer may also be a provider of branded e-wallets such as Google, Facebook, Twitter, etc., and in some embodiments such branded wallets contain value tokens associated with the issuer (e.g., Google "Cash " or credit, PayPal currency, Facebook e-money, etc.), and can include sub-wallets containing value tokens associated with gift cards, sub-wallets containing value tokens associated with credit cards, sub-wallets containing value tokens associated with debit cards, Coin sub-wallets, or a combination of them or associated with them.
一般来讲，电子价值代币交易计算机150在与包含在电子钱包或子钱包内的电子价值代币相关联的帐户上记入贷方或借方(或者采取本文所述类型的其它措施)。电子价值代币交易计算机150可生成或转发消息到授权系统160，以使得授权系统160能在与电子价值代币相关联的帐户上记入贷方或借方(或者采取本文所述类型的其它措施)。确认消息返回到电子价值代币交易计算机150和POS装置111，并且电子钱包10或子钱包在必要时被更新。Generally, the electronic value token transaction computer 150 credits or debits (or takes other action of the type described herein) the account associated with the electronic value token contained within the electronic wallet or sub-wallet. Electronic value token transaction computer 150 may generate or forward a message to authorization system 160 to enable authorization system 160 to credit or debit the account associated with the electronic value token (or take other action of the type described herein) . A confirmation message is returned to the electronic value token transaction computer 150 and POS device 111, and the electronic wallet 10 or sub-wallets are updated as necessary.
在至少一个实施例中，交易信息与验证信息分开。例如，关于购买项目、购买价格、购买地点等的信息被看作交易信息并且与诸如验证令牌、PIN、帐号等的验证信息分开。除了其他方面，使信息保持分开允许单独处理和路由，以提供更高的效率和私密性。例如，在根据可配置的规则应用电子价值代币时，优先级可基于诸如下列的交易信息变量：发起电子钱包请求的零售商的物理地点；交易量；零售商的类型；当日时间；星期几；一个月中的哪个星期；一年中的哪个月份；发起电子钱包请求的零售商的部门；发起电子钱包请求的零售商的通道(lane)；检验员的标识；发起电子钱包请求的零售商的母公司；价值代币的价值；以及在各种实施例中电子钱包请求的类型。此类交易和/或验证信息可由本文所述系统结合基于规则的决策(例如，核对此类交易数据以验证并应用与交易相关联的促销)使用，以实现安全目的(例如，对照预定的简况核对此类交易数据以帮助识别欺诈)等。In at least one embodiment, transaction information is separate from verification information. For example, information on purchase items, purchase prices, purchase locations, etc. is regarded as transaction information and is separated from authentication information such as authentication tokens, PINs, account numbers, and the like. Keeping information separate allows for separate processing and routing, among other things, providing greater efficiency and privacy. For example, when applying electronic value tokens according to configurable rules, priority can be based on transaction information variables such as: physical location of retailer originating e-wallet request; transaction volume; type of retailer; time of day; day of week ; the week of the month; the month of the year; the department of the retailer that initiated the wallet request; the lane of the retailer that initiated the wallet request; the identity of the inspector; the retailer that initiated the wallet request the parent company; the value of the value token; and, in various embodiments, the type of wallet request. Such transaction and/or validation information may be used by the systems described herein in conjunction with rule-based decision-making (e.g., collating such transaction data to validate and apply promotions associated with the transaction) for security purposes (e.g., against a predetermined profile collate such transaction data to help identify fraud), etc.
在至少一个实施例中，钱包提供者代表购买者，并且电子价值代币的赎回在购买之后发生。然而，这种时间不匹配在零售商的记录中产生差异。具体而言，零售商记录在零售商和钱包提供者之间的交易。零售商记录日后通过价值代币进行的赎回，看似没有购买。在这些情况下，需要可以将赎回与交易相连的第三方管理员。In at least one embodiment, the wallet provider represents the purchaser, and the redemption of the electronic value token occurs after the purchase. However, this timing mismatch creates discrepancies in the retailer's records. Specifically, the retailer records transactions between the retailer and the wallet provider. Retailers record future redemptions via value tokens, seemingly without purchases. In these cases, a third-party administrator who can link redemptions to transactions is required.
可存在许多方式将价值代币提供或添加至电子钱包。例如，用户可以为价值代币向卖主付款，并且卖主可以将电子价值代币插入用户的钱包中。备选地，用户可以从卖主获得电子价值代币的物理表示(例如，卡、单据、打印收据等)并且可以随后将价值增加到电子钱包(例如，通过电话或接入因特网的用户接口)。用户可以选择与卖主关联的许多不同的零售商。换句话讲，给定的卖主可提供与不同的零售商相关联的多种代币。例如，零售商可以提供促销以便在购买诸如预付帐户的价值代币时争取用户的业务。There can be many ways to provide or add value tokens to an electronic wallet. For example, a user may pay a vendor for value tokens, and the vendor may insert electronic value tokens into the user's wallet. Alternatively, the user may obtain a physical representation of the electronic value token (e.g., card, slip, printed receipt, etc.) from the vendor and may then add value to the electronic wallet (e.g., via a telephone or Internet-accessed user interface). A user can choose from many different retailers associated with the vendor. In other words, a given vendor may offer multiple tokens associated with different retailers. For example, a retailer could offer a promotion to win a user's business when purchasing a value token such as a prepaid account.
每个零售商可以规定价值代币的具体格式。例如，一个零售商可以要求16位卡号加4位月份/年份到期日期。其它零售商可以要求个人识别码、访问号码、卡验证值号码、卡安全码号码等。对于不同零售商的每条信息可具有不同格式和不同名称。因此，电子钱包提供者或主人(例如，主e钱包提供者)将通过允许价值代币的电子表示的第三方管理具有诸如储值卡、信用卡、借记卡、忠诚卡和促销卡的各种格式以及由主e钱包提供者管理将更昂贵的价值代币的其它子集而受益。Each retailer can specify a specific format for value tokens. For example, a retailer may require a 16-digit card number plus a 4-digit month/year expiration date. Other retailers may require PINs, access numbers, card verification value numbers, card security code numbers, and the like. Each piece of information for a different retailer may have a different format and a different name. Thus, an e-wallet provider or host (e.g., a master e-wallet provider) will manage e-wallets with various e-wallets such as stored-value cards, credit cards, debit cards, loyalty cards, and promotional cards through third parties that allow electronic representation of value tokens. format as well as other subsets of value tokens that will be more expensive to manage by the main e-wallet provider.
在一个实施例中，与预付卡或帐户相关联的价值代币可与电子钱包内的子钱包(例如，诸如Google电子钱包的主要有品牌电子钱包的子钱包)相关联，并且第三方可以代表主要/首要电子钱包主人或提供者管理子钱包。例如，在涉及与预付卡或帐户相关联的价值代币(例如，电子或虚拟储值卡)的交易期间，电子钱包的提供者允许与此类价值代币相关联的子钱包控制交易的一部分，有时也称为子交易。在一个实施例中，子交易包括与电子预付卡或帐户相关联的交易，例如，赎回、价值增加(例如，追加)、激活、关闭、识别欺诈等。具体而言，第三方管理员可以迅速且低成本地管理交易，包括但不限于，确定和/或提供子交易的正确格式，并且独立地和/或与主电子钱包主人或提供者配合进一步执行子交易。这种格式可以涉及给定价值代币所包含或与之相关联的信息/数据的细节(例如，卡号的类型、安全码等)和/或与特定交易相关联的信息或数据的格式(例如，诸如卡类型、交易类型、安全码等的数据的特性、组织、打包等到消息字段或其它数据格式中以用于在处理交易的同时接收/传输)。例如，第三方管理可以将正确的交易格式模板传递给主钱包提供者。在至少一个实施例中，第三方管理员从请求或来自用户的请求确定与交易相关联的零售商的身份标识(identity)。优选地，第三方管理员维护与多个零售商相关联的多个交易格式的数据库。在确定与交易相关联的零售商的身份标识之后，第三方管理员使用格式数据库识别所识别的零售商的相关联的交易格式，并且所有后续处理都使用零售商特有的交易格式和词汇来进行。在一个实施例中，用户可能希望使用物理储值卡将价值代币添加到电子钱包。用户被要求例如通过位于销售点(在一个实施例中，包括与个人计算机相关联的销售点，例如通过网站在线购物)的用户接口来识别与该储值卡相关联的零售商。在另一个实施例中，用户通过基于网站的或个人数字助理接口(例如，移动电话应用)提供与储值代币相关联的信息。相应地，根据用户提供的数据，可以从数据库引用合适的格式，并且可以向用户显示物理储值卡的图形表示或其它实体模型表示，带有突出显示在实体模型上的具体输入信息。这样，用户准确地知道需要输入什么来将电子价值代币添加到电子钱包。源自实体模型的用户输入的信息将具有正确的格式和/或可以由第三方管理员进一步修改、包装等以满足另外的格式要求。虽然所述示例为简单的，但也可以是更复杂的交易。如本文将更全面描述的，与(i)对于交易的一部分使用在主钱包和/或子钱包中的价值代币有关的交易与(ii)对于其它类型的价值代币或与其他零售商相关联的价值代币兑换主钱包和/或子钱包中的价值代币被类似地操纵。例如，用户可能希望将与用户不常去的零售商相关联的价值代币换成与用户常去的零售商相关联的价值代币。此外，第三方管理员可以使用与所识别的零售商相关联的交易格式以用于交易或子交易的财务对账(例如，对预付帐户记借方和记贷方)。在这种情况下，正确的交易格式的使用不仅便利，而且常常是必要的。In one embodiment, a value token associated with a prepaid card or account may be associated with a sub-wallet within an e-Wallet (e.g., a sub-wallet of a major branded e-Wallet such as Google Wallet), and a third party may represent The primary/primary e-wallet owner or provider manages the sub-wallets. For example, during a transaction involving value tokens (e.g., electronic or virtual stored-value cards) associated with prepaid cards or accounts, providers of electronic wallets allow sub-wallets associated with such value tokens to control a portion of the transaction , sometimes called a subtransaction. In one embodiment, sub-transactions include transactions associated with the electronic prepaid card or account, eg, redemption, value increase (eg, top-up), activation, deactivation, identification of fraud, and the like. Specifically, third-party administrators can quickly and cost-effectively manage transactions, including, but not limited to, determining and/or providing the correct format for sub-transactions, and further execution independently and/or in cooperation with the main e-wallet owner or provider subtransaction. This format may relate to details of the information/data contained in or associated with a given value token (e.g., type of card number, security code, etc.) and/or the format of information or data associated with a particular transaction (e.g. , characteristics, organization, packaging, etc. of data such as card type, transaction type, security code, etc. into message fields or other data formats for reception/transmission while processing the transaction). For example, third-party management can pass the correct transaction format templates to the main wallet provider. In at least one embodiment, the third party administrator determines the identity of the retailer associated with the transaction from the request or from the user. Preferably, the third party administrator maintains a database of the plurality of transaction formats associated with the plurality of retailers. After determining the identity of the retailer associated with the transaction, the third-party administrator uses the format database to identify the associated transaction format for the identified retailer, and all subsequent processing is performed using the retailer's specific transaction format and vocabulary . In one embodiment, a user may wish to add value tokens to an electronic wallet using a physical stored-value card. The user is asked to identify the retailer associated with the stored-value card, for example through a user interface located at a point of sale (in one embodiment, including a point of sale associated with a personal computer, such as online shopping through a website). In another embodiment, a user provides information associated with a stored-value token through a website-based or personal digital assistant interface (eg, a mobile phone application). Accordingly, based on user-supplied data, an appropriate format can be referenced from the database and a graphical representation of a physical stored-value card or other mock-up representation can be displayed to the user with the specific input information highlighted on the mock-up. In this way, the user knows exactly what needs to be entered to add the electronic value token to the electronic wallet. User-entered information originating from the physical model will be in the correct format and/or can be further modified, packaged, etc. by the third-party administrator to meet additional format requirements. While the examples described are simple, more complex transactions are possible. As will be described more fully herein, transactions related to (i) value tokens used in the main wallet and/or sub-wallets for part of the transaction are related to (ii) other types of value tokens or to other retailers Exchange of linked Value Tokens for Value Tokens in the main wallet and/or sub-wallets is similarly manipulated. For example, a user may wish to exchange a value token associated with a retailer that the user does not frequent for a value token associated with a retailer that the user frequents. Additionally, the third party administrator can use the transaction format associated with the identified retailer for financial reconciliation of the transaction or sub-transaction (eg, debit and credit a prepaid account). In such cases, the use of the correct transaction format is not only convenient, but often necessary.
如上文所述，电子子钱包是位于具体的e钱包(例如，主钱包或首要钱包)内或与之相关联的e钱包的具体限定的部分。子钱包可以由主要或首要e钱包的管理员、处理器和/或提供者管理/维护，或者可由另一方、系统、处理器、子例程或服务器管理。电子子钱包的单独管理允许主e钱包提供者和用户利用规模经济。例如，所有电子价值代币可以存储在一个子钱包中，同时信用卡和借记卡存储在主e钱包或单独的电子子钱包中。因此，主e钱包的提供者可以管理/执行关于与位于主e钱包中的信用卡和借记卡相关联的价值代币的交易，同时允许第三方管理/执行关于与位于电子子钱包中的电子价值代币相关联的价值代币的交易，从而使第三方避开成本高昂的银行和信贷监管。此外，第三方管理员可以通过套利、佣金、每次交易付费等利用规模经济来接收对其服务的支付。As noted above, an electronic sub-wallet is a specifically defined portion of an e-wallet located within or associated with a specific e-wallet (eg, a master wallet or a primary wallet). A sub-wallet may be managed/maintained by the administrator, processor and/or provider of the main or primary e-wallet, or may be managed by another party, system, processor, subroutine or server. Separate management of electronic sub-wallets allows master e-wallet providers and users to take advantage of economies of scale. For example, all electronic value tokens could be stored in one sub-wallet, while credit and debit cards are stored in the main e-wallet or in separate electronic sub-wallets. Thus, the provider of the master e-wallet can manage/execute transactions regarding value tokens associated with credit and debit cards located in the master e-wallet, while allowing third parties to manage/execute transactions regarding value tokens associated with electronic sub-wallets located in the e-wallet. Transactions of value tokens linked to value tokens, thus enabling third parties to avoid costly banking and credit regulation. Additionally, third-party administrators can leverage economies of scale through arbitrage, commissions, pay-per-transaction, etc. to receive payment for their services.
通过子钱包的单独管理，第三方管理员(例如，与电子预付帐户相关联的电子子钱包的管理员)为用户和主电子钱包提供者两者提供便利。通常，第三方管理员是掌握处理财务对账或与和给定发行者关联的电子预付帐户相关联的其它交易的知识和专业技术(例如，所需交易格式的数据库)的唯一实体。例如，第三方管理员可以是能够将零售商账簿上的特定交易匹配到价值代币或电子钱包的特定使用的唯一实体。如本文更详细讨论的，在一些实施例中，第三方管理员执行、实施和/或负责结合电子价值代币交易计算机150描述的全部或一部分功能，例如，在为诸如有品牌电子钱包的电子钱包的主要主人或提供者管理一个或多个电子子钱包(例如，与诸如代表一个或多个商家发行的闭环帐户的电子预付账款相关联的电子子钱包)的背景下。Through separate management of the sub-wallets, a third-party administrator (eg, an administrator of an electronic sub-wallet associated with an electronic prepaid account) provides convenience to both the user and the primary e-wallet provider. Typically, the third-party administrator is the only entity with the knowledge and expertise (eg, a database of required transaction formats) to process financial reconciliations or other transactions associated with electronic prepaid accounts associated with a given issuer. For example, a third-party administrator may be the only entity capable of matching a particular transaction on a retailer's books to a particular use of a value token or e-wallet. As discussed in greater detail herein, in some embodiments, a third-party administrator performs, implements, and/or is responsible for all or a portion of the functions described in connection with electronic value token transaction computer 150, for example, in an electronic wallet such as a branded electronic wallet. In the context of a primary owner or provider of wallets managing one or more electronic sub-wallets (eg, electronic sub-wallets associated with electronic prepaid accounts such as closed-loop accounts issued on behalf of one or more merchants).
对电子钱包的访问可以通过验证令牌或用于安全访问电子钱包的其它手段门控或保护，其示例包括代理卡或个人数字助理或诸如智能手机的移动装置。访问电子钱包的其它实施例包括无卡式访问，例如，号码/密码组合、不带密码的号码等。生物识别信息也可用于验证和访问目的，例如指纹或虹膜纹。近场通信技术也可用来实施验证令牌。近场通信技术可以在物理销售点或结合在线交易实施。在任一种场合下，近场通信技术都可由用户通过代理卡(例如，200、201或203)、个人计算机、个人数字助理、智能手机204或其它与在线交易有关的装置实施。因此，验证令牌可以是有形的、无形的或它们的组合。在一个实施例中，验证令牌可以在电子交易开始时生成、创建和/或形成以唯一地识别电子交易。在一个实施例中，唯一地生成的验证令牌可包括电子钱包标识符、商家标识符、销售点标识符、电子价值代币标识符、电子价值代币发行者标识符、电子价值代币交易处理器标识符、或它们的组合的要素。在另一个实施例中，唯一地生成的验证令牌可以是完全独特的且不包括任何此前的标识符的任何部分。Access to the e-wallet may be gated or secured by authentication tokens or other means for secure access to the e-wallet, examples of which include proxy cards or personal digital assistants or mobile devices such as smartphones. Other examples of accessing an e-wallet include cardless access, eg, number/password combinations, numbers without a passcode, etc. Biometric information may also be used for authentication and access purposes, such as fingerprints or iris prints. Near Field Communication technology can also be used to implement authentication tokens. NFC technology can be implemented at the physical point of sale or in conjunction with online transactions. In either case, NFC technology may be implemented by the user through a proxy card (eg, 200, 201 or 203), personal computer, personal digital assistant, smartphone 204, or other device associated with an online transaction. Thus, verification tokens can be tangible, intangible, or a combination thereof. In one embodiment, a verification token may be generated, created and/or formed to uniquely identify the electronic transaction at the beginning of the electronic transaction. In one embodiment, the uniquely generated verification token may include an e-wallet identifier, a merchant identifier, a point-of-sale identifier, an e-value token identifier, an e-value token issuer identifier, an e-value token transaction An element of a processor identifier, or a combination thereof. In another embodiment, the uniquely generated verification token may be completely unique and not include any part of any previous identifier.
代理卡的示例在图3A、图3B和图3C示出。图3A描绘了代理卡200，其中验证信息211借助于能够被光学扫描仪阅读的条形码编码在卡200上。图3B描绘了代理卡201，其中验证信息211编码在位于卡201上的磁条上。图3B描绘了代理卡203，其中验证信息211编码在卡201上的近场通信芯片上。在一些实施例中，代理卡可具有磁条和条形码(或多个磁条和/或条形码)，并且它们中的一个或多个可包含验证信息211。代理卡200、201和203由合适的第一材料例如塑料、纸张、涂塑料的纸张、层合物、或它们的组合制成。代理卡200、201和203典型地制造成处于约0.005至约0.040英寸的厚度范围。代理卡200、201和203均载有验证信息211，例如，对应于e钱包的帐号、序列号、授权码、数字签名、电子钥匙或钥匙代码、RFID芯片/数据等。代理卡验证信息211对于代理卡唯一且将代理卡与电子钱包相关联，并且在一个实施例中，这种关联存储在可由e钱包的管理员访问的数据库中。验证信息211可编码在代理卡200上的如图3A所示的条形码、代理卡201上的如图3B所示的磁条、代理卡203上的如图3C所示的近场通信芯片、一系列数字、一系列字母、或它们的组合中。代理卡200、201和203也可设计有将在交易过程中输入的个人识别码或PIN，其对应于验证信息211且允许访问和/或使用电子钱包。在一个实施例中，PIN可编码在条形码、磁条、一系列数字、一系列字母、或它们的组合中。在一个实施例中，PIN可通过包装或通过诸如可刮条或剥离标签或其组合的遮挡材料遮住。在一些实施例中，代理卡可包括卡安全码(CSC)、卡检验值(CVV或CV2)、卡检验值代码(CVVC)、卡检验代码(CVC)、检验代码(V-代码或V代码)、卡代码检验(CCV)、信用卡ID(CCID)、或它们的组合，并且此类代码(与本文所述任何其它验证数据或令牌一起)可结合对购买交易的e钱包支付用于例如在销售点发起的授权或验证交易。Examples of proxy cards are shown in Figures 3A, 3B and 3C. Figure 3A depicts a proxy card 200 where authentication information 211 is encoded on the card 200 by means of a barcode which can be read by an optical scanner. FIG. 3B depicts a proxy card 201 with authentication information 211 encoded on a magnetic strip located on the card 201 . FIG. 3B depicts proxy card 203 with authentication information 211 encoded on a near field communication chip on card 201 . In some embodiments, the proxy card may have a magnetic stripe and a barcode (or multiple magnetic stripes and/or barcodes), and one or more of them may contain authentication information 211 . Proxy cards 200, 201, and 203 are made of a suitable first material such as plastic, paper, plastic-coated paper, laminate, or combinations thereof. Proxy cards 200, 201, and 203 are typically manufactured to have a thickness in the range of about 0.005 to about 0.040 inches. Proxy cards 200, 201 and 203 each carry authentication information 211, eg account number corresponding to e-wallet, serial number, authorization code, digital signature, electronic key or key code, RFID chip/data etc. The proxy card verification information 211 is unique to the proxy card and associates the proxy card with the e-wallet, and in one embodiment, this association is stored in a database accessible by the administrator of the e-wallet. The verification information 211 can be encoded on the barcode shown in FIG. 3A on the agent card 200, the magnetic stripe shown in FIG. 3B on the agent card 201, the near field communication chip shown in FIG. 3C on the agent card 203, a A series of numbers, a series of letters, or a combination thereof. Proxy cards 200, 201 and 203 may also be designed with a personal identification number or PIN to be entered during the transaction, which corresponds to authentication information 211 and allows access and/or use of the electronic wallet. In one embodiment, the PIN may be encoded in a barcode, a magnetic strip, a series of numbers, a series of letters, or a combination thereof. In one embodiment, the PIN may be concealed by the packaging or by an obscuring material such as a scratch-off strip or peel-off label or a combination thereof. In some embodiments, a proxy card may include a Card Security Code (CSC), Card Verification Value (CVV or CV2), Card Verification Value Code (CVVC), Card Verification Code (CVC), Verification Code (V-Code or V-Code ), Card Code Verification (CCV), Credit Card ID (CCID), or a combination thereof, and such codes (along with any other verification data or tokens described herein) may be used in conjunction with e-wallet payments for purchase transactions, for example An authorization or verification transaction initiated at the point of sale.
图3B描绘了代理卡201，其中验证信息211编码在位于卡201上的磁条上。磁条可制造成常规构造，例如，定位在卡201上的由浆料沉积而成的构造，使得它可以在诸如Verifone制造的Tranz终端的磁条读取设备中被扫描。为了额外的安全性，验证信息211也可在编码到磁条上之前经受加密算法。FIG. 3B depicts a proxy card 201 with authentication information 211 encoded on a magnetic strip located on the card 201 . The magnetic stripe can be manufactured in a conventional configuration, for example deposited from a paste positioned on the card 201 so that it can be scanned in a magnetic stripe reading device such as a Tranz terminal made by Verifone. For additional security, the authentication information 211 may also be subjected to an encryption algorithm before being encoded onto the magnetic strip.
在至少一个实施例中，代理卡200包括定位在代理卡201的条形码，例如UPC代码(例如，GS1-128或UCC/EAN-128)，使得它可以被熟知的条形码读取设备扫描。编码在代理卡上的条形码中的是验证信息211的表示。In at least one embodiment, proxy card 200 includes a barcode, such as a UPC code (eg, GS1-128 or UCC/EAN-128), positioned on proxy card 201 such that it can be scanned by well-known barcode reading devices. Encoded in the barcode on the proxy card is a representation of authentication information 211 .
在其它实施例中，可以将一系列数字、一系列字母、或它们的组合置于代理卡200和201上，以便由人或装置阅读或解译，所述装置即光符号识别装置，其被配置成解译对应于包装标识符的一系列形状。诸如虚拟或无卡式验证令牌、移动电话等的本文所述的任何合适的验证令牌都可以在本文所述各种实施例中使用。In other embodiments, a series of numbers, a series of letters, or a combination thereof may be placed on proxy cards 200 and 201 to be read or interpreted by a person or device, namely an optical symbol recognition device, which is Configured to interpret a series of shapes corresponding to package identifiers. Any suitable verification token described herein, such as a virtual or card-not-present verification token, a mobile phone, etc. may be used in the various embodiments described herein.
在另外的实施例中，例如，代理卡203、近场通信技术、射频识别(RFID)标签、微处理器和/或微芯片可被置于代理卡上以便由具体配置的装置解译。RFID标签、微处理器和/或微芯片可以除了或代替代理卡200上的条形码255和代理卡201上的磁条256使用，或者可以与将验证信息编码在代理卡上的这些或其它手段联合使用。备选地，此类RFID或诸如近场、蓝牙等的其它手段可由用户操作的装置(例如，诸如智能手机的个人数字助理)使用以提供电子钱包访问和/或验证功能。在一个实施例中，验证令牌与诸如智能手机204的个人数字助理相关联，如图3D所示。例如，存储在电话中和/或经由电话访问的电子钱包可包括验证令牌，或者电话本身可包含充当验证令牌的硬件和/或独特的电子数据(例如，诸如序列号、MAC地址、SIM卡、数字签名、电子钥匙、用户ID、电话号码、密码等的验证数据)。这样的电话可使用近场通信与销售点装置通信与验证令牌相关联的数据，以用于验证和交易目的。例如，电话可以在销售点装置附近经过并且使用近场通信协议将用户和/或钱包信息和验证信息传递至销售点装置。电话可以将钱包和/或验证信息的全部或一部分传递至销售点装置，而让销售点装置确定哪一部分适用于当前交易，或者电话可以仅传递信息的当前适用部分，即，将在当前交易期间使用的信息。即，关于至/来自验证令牌(例如，电话)和销售点装置的钱包和/或验证信息的传递的逻辑可以位于验证装置上、销售点装置上或两者上。在一个实施例中，电话可以提供用于验证用户的硬件和/或软件，例如，照相机或扫描仪及用于确认与用户相关联的生物识别数据的相关应用，并且在验证用户之后，电话将把成功验证传达给销售点装置。销售点装置可与钱包主人或提供者(例如，主e钱包主人)和任何子钱包主人或提供者(例如，第三方管理员)进行通信。在另一示例中，销售点装置可以仅与钱包主人或提供者(例如，主e钱包主人)通信，并且钱包主人或提供者可与第三方管理员(例如，子钱包主人或管理员)通信。虽然多种配置允许通信，但交易仍然可能实时进行，而不对顾客造成延迟，因为各方使用可伸缩架构。In further embodiments, for example, proxy card 203, near field communication technology, radio frequency identification (RFID) tags, microprocessors and/or microchips may be placed on the proxy card to be interpreted by specifically configured devices. RFID tags, microprocessors, and/or microchips can be used in addition to or in place of the barcode 255 on the proxy card 200 and the magnetic stripe 256 on the proxy card 201, or can be used in conjunction with these or other means of encoding authentication information on the proxy card use. Alternatively, such RFID or other means such as near-field, Bluetooth, etc. may be used by a user-operated device (eg, a personal digital assistant such as a smartphone) to provide e-wallet access and/or authentication functionality. In one embodiment, the verification token is associated with a personal digital assistant, such as a smartphone 204, as shown in Figure 3D. For example, an electronic wallet stored on and/or accessed via the phone may include an authentication token, or the phone itself may contain hardware and/or unique electronic data (e.g., such as a serial number, MAC address, SIM authentication data such as cards, digital signatures, electronic keys, user IDs, phone numbers, passwords, etc.). Such a phone may communicate data associated with the verification token with the point-of-sale device using near-field communication for verification and transaction purposes. For example, a phone may pass near the point-of-sale device and communicate user and/or wallet information and authentication information to the point-of-sale device using a near field communication protocol. The phone may pass all or part of the wallet and/or authentication information to the point-of-sale device and let the point-of-sale device determine which part applies to the current transaction, or the phone may pass only the currently applicable part of the information, i.e., the information used. That is, logic regarding transfer of verification tokens (eg, phone) and wallet and/or verification information to/from the point-of-sale device may be located on the verification device, on the point-of-sale device, or both. In one embodiment, the phone may provide hardware and/or software for authenticating the user, e.g., a camera or scanner and associated application for confirming biometric data associated with the user, and after authenticating the user, the phone will Successful authentication is communicated to the point-of-sale device. The point-of-sale device may communicate with a wallet owner or provider (eg, a master e-wallet owner) and any sub-wallet owners or providers (eg, a third-party administrator). In another example, the point-of-sale device may only communicate with the wallet owner or provider (e.g., a master e-wallet owner), and the wallet owner or provider may communicate with a third-party administrator (e.g., a sub-wallet owner or administrator) . While multiple configurations allow for communication, transactions are still possible in real-time without causing delays to customers because the parties use a scalable architecture.
在一个实施例中，验证装置为代理卡。虽然代理卡不是实体卡，但代理卡类似于信用卡、借记卡和/或储值卡的外观将有助于采用和访问电子钱包，因为顾客知道如何使用电子价值代币。因此，消费者可能把代理卡看作融合为一体的多个卡，或者仅仅把代理卡看作电子钱包本身，尽管是物理表示。验证令牌可以呈现诸如下列的有形或无形实施例和/或与之相关联：移动装置、个人识别码、电话号码加个人识别码、密码、用户名加密码、生物识别标识符等。验证令牌包含、提供和/或关联到验证信息(例如，电子验证数据或信息)，该信息将用户与电子钱包相关联。因此，包含在电子钱包(或其子钱包)中的多个价值代币与用户相关联。In one embodiment, the authentication device is a proxy card. Although the proxy card is not a physical card, the appearance of the proxy card similar to a credit card, debit card and/or stored-value card will facilitate the adoption and access of e-wallets because customers know how to use the electronic token of value. Thus, the consumer may see the proxy card as multiple cards fused into one, or simply see the proxy card as the e-wallet itself, albeit in a physical representation. A verification token may take on and/or be associated with a tangible or intangible embodiment such as a mobile device, pin, phone number plus pin, password, username plus code, biometric identifier, and the like. An authentication token contains, provides, and/or is associated with authentication information (eg, electronic authentication data or information) that associates a user with an electronic wallet. Thus, multiple value tokens contained in an electronic wallet (or a sub-wallet thereof) are associated with a user.
转到图1A，电子价值代币交易计算机150从数据存储区180访问电子钱包10。预付卡或储值卡电子价值代币可包括礼品卡、忠诚卡、促销等的电子表示。POS装置111经由诸如智能手机或代理卡200的验证令牌从e钱包用户获得验证信息并将验证信息(和在一些情况下规则，用于为所请求的交易分配e钱包的内容)与购买信息和/或价值代币信息一起作为交易请求的一部分发送至电子价值代币交易计算机150。电子价值代币交易计算机150使用验证信息定位数据存储区180中的正确的电子钱包10或子钱包并作用于电子价值代币(例如，将价值代币添加到主钱包或子钱包，激活价值代币，将价值代币记入借方、对价值代币追加、查询价值代币的余额等)或按照请求的信息检查规则(与请求一起接收的、由电子价值代币交易处理系统100、1100、1200与e钱包相关联的、或它们的组合)。例如，对于购买交易，电子价值代币交易计算机150根据规则(例如，与为满足购买价格而申请或赎回价值代币的次序或优先级相关联的规则)选择满足购买的电子价值代币。Turning to FIG. 1A , electronic value token transaction computer 150 accesses electronic wallet 10 from data storage area 180 . Prepaid or stored value card electronic tokens of value may include electronic representations of gift cards, loyalty cards, promotions, and the like. The POS device 111 obtains authentication information from the e-wallet user via an authentication token such as a smartphone or proxy card 200 and associates the authentication information (and in some cases rules for assigning the contents of the e-wallet for the requested transaction) with the purchase information and/or value token information is sent to electronic value token transaction computer 150 as part of the transaction request. The electronic value token transaction computer 150 uses the authentication information to locate the correct electronic wallet 10 or sub-wallet in the data storage area 180 and act on the electronic value token (e.g., add a value token to the main wallet or sub-wallet, activate the value token currency, debit value tokens, add value tokens, query the balance of value tokens, etc.) or check the rules according to the requested information (received with the request, by the electronic value token transaction processing system 100, 1100, 1200 associated with the e-wallet, or a combination thereof). For example, for a purchase transaction, the electronic value token transaction computer 150 selects electronic value tokens that qualify for the purchase according to rules (eg, rules associated with the order or priority of value tokens requested or redeemed to satisfy the purchase price).
如图2A和图2B所示，电子价值代币交易计算机150包括规则单元159。规则单元159提供由e钱包用户、e钱包提供者、e钱包接受商家、电子价值代币发行者、e钱包交易系统管理员、以及它们的组合提供、选择和/或要求的e钱包(和子钱包)规则的处理、管理、关联和实施功能。规则单元159可用来将所提供、选择和/或要求的规则与保持在数据库180和/或e钱包单元199中的e钱包和子钱包相关联。规则单元159可包括规则引擎，用于导出规则以在不存在(或代替)由任何其它规则分配实体提供或选择的任何特定规则的情况下应用于交易。规则单元159可用于经由以下方式填入e钱包/子钱包规则数据：(i)e钱包用户输入(例如，经由自助终端(kiosk)、智能手机、个人数字助理和可接入因特网的用户接口)；(ii)e钱包提供者输入；(iii)e钱包系统管理员的输入；(iv)或它们的任何组合。例如，e钱包用户可经由自助终端189接口向电子价值代币交易计算机150提供具体的定制规则，该规则详细规定包含在e钱包中的电子价值代币应以何种方式确定优先级以用于满足交易。备选地，同一e钱包用户可以从由自助终端189显示器提供的选项列表中简单地选择适用于e钱包的规则的类型。此外，可能存在这样的情况，例如在储蓄情况中，某些法律、法规和/或政策要求将e钱包限制到一段时间内给定次数的所选交易(例如，从储蓄专用e钱包转账)。As shown in FIGS. 2A and 2B , the electronic value token transaction computer 150 includes a rules unit 159 . Rule unit 159 provides the e-wallets (and sub-wallets) that are provided, selected and/or required by e-wallet users, e-wallet providers, e-wallet accepting merchants, electronic value token issuers, e-wallet transaction system administrators, and combinations thereof. ) rules processing, management, association and enforcement functions. Rules unit 159 may be used to associate provided, selected and/or required rules with e-wallets and sub-wallets maintained in database 180 and/or e-wallets unit 199 . The rules unit 159 may include a rules engine for deriving rules to apply to transactions in the absence of (or in place of) any specific rules provided or selected by any other rules assignment entity. Rules unit 159 may be used to populate e-wallet/sub-wallets rule data via: (i) e-wallet user input (e.g., via kiosks, smartphones, personal digital assistants, and Internet-accessible user interfaces) ; (ii) e-wallet provider input; (iii) e-wallet system administrator input; (iv) or any combination thereof. For example, an e-wallet user may provide, via the kiosk 189 interface, to the electronic value token transaction computer 150 specific custom rules detailing how the electronic value tokens contained in the e-wallet should be prioritized for use in Meet the deal. Alternatively, the same e-wallet user may simply select the type of rules applicable to the e-wallet from a list of options provided by the kiosk 189 display. Additionally, there may be instances, such as in savings situations, where certain laws, regulations, and/or policies require that e-wallets be limited to a given number of selected transactions (e.g., transfers from savings-only e-wallets) over a period of time.
在一个实施例中，规则可以由用户创建和配置为用于根据购买信息选择价值代币的流程图。例如，规则可包括为任何金额的商店X购买选择与闭环有关的(商店X品牌的)价值代币，任何剩余的购买余额导致选择与开环有关的(信用卡Y)价值代币以支付这样的余额。备选地，用户可调用这样的规则，其规定：与开环有关的电子价值代币不应用来满足与闭环有关的电子价值代币购买的余额，相反，位于e钱包中的与借记卡有关的电子价值代币应用来满足该余额。因此，用户可以借助于使用一个验证令牌(例如，一个代理卡或智能手机)的高效率访问和申请多个价值代币。例如，用户可以完全在仅使用一个实体卡(例如，预付卡、借记卡或信用卡)花费的时间内使用所有来自电子钱包或子钱包的两个电子信用卡，电子礼品卡，电子优惠券。用户、零售商、发行者、卖主、商家、广告商和其他各方受益于所节约的时间、对多个价值源(例如，与各种价值代币相关联的多个帐户)的便捷访问、促销机会、交易跟踪和关于顾客购买行为的数据挖掘、促销和广告效果、实时/产品点选择或购买机会、等等。In one embodiment, the rules may be created and configured by the user as a flowchart for selecting value tokens based on purchase information. For example, a rule may include selecting a value token associated with a closed loop (branded by store X) for any amount of store X purchase, any remaining purchase balance resulting in the selection of a value token associated with an open loop (credit card Y) to pay for such balance. Alternatively, the user may invoke a rule that states that electronic value tokens associated with open loops should not be used to satisfy balances for electronic value token purchases associated with closed loops, instead, debit card-related The relevant electronic tokens of value shall be used to satisfy this balance. Thus, a user can access and claim multiple value tokens with high efficiency using one verification token (eg, a proxy card or smartphone). For example, a user can use all two e-credit cards, e-gift cards, e-coupons from e-wallets or sub-wallets, all in the time spent using only one physical card (eg, prepaid, debit, or credit card). Users, retailers, issuers, vendors, merchants, advertisers, and other parties benefit from the time saved, easy access to multiple sources of value (e.g., multiple accounts associated with various value tokens), Promotional opportunities, transaction tracking and data mining about customer buying behavior, promotional and advertising effectiveness, real-time/product point selection or buying opportunities, etc.
在另一个实施例中，规则可由e钱包系统提供者(例如，主e钱包提供者或主人和/或副e钱包提供者或主人)建立。当不存在用户建立的可用规则时(或者如果按照用户的e钱包使用协议的条款，在指定的交易活动中以系统的规则为准)，e钱包系统提供者可建立关于e钱包分配的规则。例如，当交易涉及、关系到或关联到e钱包系统提供者的分支机构和/或合同相关实体时，e钱包系统可以实施这样的规则，该规则规定电子价值代币交易计算机150首先应用位于用户的e钱包中的e钱包系统提供者自有品牌的电子价值代币来满足所请求的交易。因此，这类规则可允许e钱包系统提供者及其分支机构和/或合同相关实体最大化基于e钱包系统使用的收入或其它经营目标和其它协同效应。In another embodiment, rules may be established by an e-wallet system provider (eg, a primary e-wallet provider or master and/or a secondary e-wallet provider or master). When there is no available rule established by the user (or if according to the terms of the user's e-wallet usage agreement, the system's rules shall prevail in the specified transaction activities), the e-wallet system provider may establish rules about e-wallet distribution. For example, when a transaction involves, relates to, or is connected to an affiliate and/or contractually related entity of the e-wallet system provider, the e-wallet system may enforce rules that provide that the electronic value token transaction computer 150 first applies the The e-Wallet system provides its own brand of electronic value tokens to fulfill requested transactions. Accordingly, such rules may allow e-wallet system providers and their affiliates and/or contractually related entities to maximize revenue or other business objectives and other synergies based on e-wallet system usage.
在另一个实施例中，e钱包的规则可设计成自动地指导电子价值代币兑换活动(电子价值代币兑换将在下文更详细地描述)。例如，e钱包用户可以管理e钱包(如本文例如结合图6A-6D将更详细地描述的)，以使得当用户在零售店(例如，零售商Q)处提供e钱包以满足交易并且e钱包不含零售商Q品牌的电子价值代币时，e钱包将自动且实时地开始电子价值代币兑换过程，其中e钱包将电子价值代币兑换的请求通信至电子价值代币交易计算机150。附加地或备选地，可以向用户实时提供促销以获得零售商特有的价值代币(例如，对于诸如信用帐户的商店品牌价值代币的实时报价)。在该示例中，e钱包用户可以管理e钱包，以使得与预付款服务相关联的所有电子价值代币(礼品卡类电子价值代币)位于指定的子钱包中，并且所述电子价值代币中的每一个可通过优先排序系统放置/规定/指定在子钱包中，例如，最优选的电子价值代币或代币类型(例如，#1)到最不优选的电子价值代币或代币类型(例如，#22，如果在子钱包中存在22种电子价值代币)。例如，零售商M品牌的电子价值代币可以被指定为最优选的，而零售商L品牌的电子价值代币可以被指定为最不优选的。此外，在该示例中，还由指导e钱包的用户在下列情况下为e钱包设置了规则：其中，e钱包已被提供以有利于在零售商处的交易，其中e钱包不包含任何所述零售商的电子价值代币(e钱包将在初始交易开始时基于在e钱包和零售商的通信装置之间交换的信息识别零售商)，例如上文所述零售商Q的情况，e钱包规则指导e钱包发起电子价值代币兑换请求并在所述请求中包括位于e钱包中的最不优选的电子价值代币(即，零售商L品牌的电子价值代币(#22))和必要时优选的电子价值代币#21、#20等的兑换，以用于金额足以满足初始交易额的零售商Q电子价值代币。在收到电子价值代币兑换请求之后，电子价值代币交易计算机150与电子价值代币兑换程序2000(其为整个电子价值代币交易处理系统100、1100或1200的一部分)通信以实现所请求的电子价值代币兑换。所请求的电子价值代币兑换被执行，e钱包接收所请求的零售商Q品牌的电子价值代币(碰巧在进行初始交易时被使用)，并且e钱包向电子价值代币交易计算机150交出(surrender)(或使得不可用，而仅用于修改)零售商L品牌的电子价值代币，其在这种情况下价值实际上超出所请求的零售商Q品牌的电子价值代币。因此，电子价值代币交易计算机150根据所提供的零售商Q品牌的电子价值代币来修改零售商L品牌的电子价值代币的价值(内部修改或通过与零售商L品牌的电子价值代币的发行系统进行通信来修改)以反映价值减少，提取用于将零售商Q品牌的电子价值代币兑换成零售商L品牌的电子价值代币的兑换率(如本文将更全面讨论的)，将交易信息通信至所有利益相关方，并且将修改价值后的零售商L品牌的价值代币返回(或使得再次可用)到用户的e钱包。在备选实施例中，e钱包的电子价值代币兑换规则可能已假设e钱包关于位于e钱包中的电子价值代币的最佳可用兑换率询问电子价值代币交易计算机150并且基于该最佳兑换率而不是电子价值代币的排序进行兑换。In another embodiment, the rules of the e-wallet can be designed to automatically direct electronic value token exchange activities (electronic value token exchange will be described in more detail below). For example, an e-wallet user may manage the e-wallet (as will be described in more detail herein, e.g., in connection with FIGS. Without retailer Q-branded electronic value tokens, the e-wallet will automatically and in real time begin the electronic value token exchange process, wherein the e-wallet communicates the electronic value token exchange request to the electronic value token transaction computer 150 . Additionally or alternatively, promotions may be offered to users in real-time to obtain retailer-specific value tokens (eg, real-time offers for store-branded value tokens such as credit accounts). In this example, the e-wallet user can manage the e-wallet so that all electronic value tokens (gift card type electronic value tokens) associated with the prepaid service are located in a designated sub-wallet, and the electronic value tokens Each of these can be placed/specified/specified in a sub-wallet by a prioritization system, e.g., most preferred electronic value token or token type (e.g., #1) to least preferred electronic value token or token Type (eg, #22 if 22 electronic value tokens exist in the sub-wallet). For example, retailer M brand electronic value tokens may be designated as most preferred, while retailer L brand electronic value tokens may be designated least preferred. Also in this example, rules are set for the e-wallet by the user instructing the e-wallet where the e-wallet has been offered to facilitate transactions at a retailer where the e-wallet does not contain any of said The retailer's electronic token of value (the e-wallet will identify the retailer at the start of the initial transaction based on the information exchanged between the e-wallet and the retailer's communication device), such as in the case of retailer Q as described above, e-wallet rules Instruct the e-wallet to initiate an electronic value token exchange request and include in said request the least preferred electronic value token located in the e-wallet (i.e., retailer L brand electronic value token (#22)) and, if necessary Preferred Redemption of Electronic Value Tokens #21, #20, etc. for Retailer Q Electronic Value Tokens in an amount sufficient to meet the initial transaction amount. After receiving an electronic value token exchange request, the electronic value token transaction computer 150 communicates with the electronic value token exchange program 2000 (which is part of the overall electronic value token transaction processing system 100, 1100 or 1200) to effectuate the requested exchange of electronic value tokens. The requested electronic value token exchange is performed, the e-wallet receives the requested retailer Q-branded electronic value token (which happened to be used when making the initial transaction), and the e-wallet surrenders to the electronic value token exchange computer 150 (subrender) (or make unavailable, but only for modifying) an electronic value token of retailer L brand, which in this case is actually worth more than the requested electronic value token of retailer Q brand. Accordingly, the electronic value token transaction computer 150 modifies the value of the retailer L brand electronic value token based on the provided retailer Q brand electronic value token (either internally or through a transaction with the retailer L brand electronic value token). ) to reflect the reduction in value, extracting the exchange rate used to exchange retailer Q brand electronic value tokens for retailer L brand electronic value tokens (as will be discussed more fully herein), The transaction information is communicated to all interested parties, and the value token of the retailer's L brand with modified value is returned (or made available again) to the user's e-wallet. In an alternative embodiment, the electronic value token exchange rules of the e-wallet may have assumed that the e-wallet interrogated the electronic value token transaction computer 150 about the best available exchange rate for electronic value tokens located in the e-wallet and based on the best Exchange rates rather than sorting of electronic value tokens are exchanged.
图2A示出根据一个实施例的示例性电子价值代币交易处理系统100。如图所示，电子价值代币交易处理系统包括：(a)至少一个销售点装置111；(b)电子钱包处理系统，例如，电子价值代币交易计算机150；(c)数据存储区180，其包含电子钱包单元199，电子钱包单元199存储电子价值代币(例如，804、827、828和829)，例如帐号、电子钱包帐户信息、增值奖励条件(在本文中，“增值奖励”与“增值奖金”、“增值奖金奖”、“增值奖励金”和“价值差异”同义)，以及与添加、赎回和管理电子价值代币有关的其它信息；(d)至少一个单独的发行者授权系统160；以及(e)由电子价值代币交易计算机管理员151包括在系统中的任何其它单元。在一个实施例中，电子价值代币交易计算机150包括增值确定单元153、销售点(“POS”)接口152、消息修改单元154、对账单元155、发行者系统接口156、授权单元157和分类单元198。在一个实施例中，电子价值代币交易计算机150(或其单元，例如分类单元189)还包括代币兑换接口，其可与电子价值代币兑换程序2000通信。POS接口152为电子价值代币交易计算机150提供了经由例如因特网、公共交换电话网(“PSTN”)或独立的专用网络与销售点装置111进行通信的装置。同样，电子价值代币交易计算机150可经由例如因特网、公共交换电话网(“PSTN”)或独立的专用网络通过发行者系统接口156与发行者的授权系统160进行通信。在POS接口152和销售点装置111之间的通信106、107以及在发行者系统接口156和发行者的授权系统160之间的通信109、110可被加密以增加安全性和/或可以使用虚拟专用网(“VPN”)。分类单元198可以将通信分类成各种类型以便通过各种方式路由。例如，分类单元198可以识别和分类电子钱包和/或子钱包请求(例如，在收到交易请求的授权信息之后，分类单元198可以将所请求的交易路由到由系统维护的具体电子钱包和/或与电子钱包相关联的一个或多个具体子钱包)、余额查询请求、注册请求、激活请求、赎回请求和管理请求以路由到图2A的各个单元。电子价值代币交易计算机150或分类单元198还可基于请求生成消息以进行类似的路由。Figure 2A illustrates an exemplary electronic value token transaction processing system 100 according to one embodiment. As shown, the electronic value token transaction processing system includes: (a) at least one point of sale device 111; (b) an electronic wallet processing system, such as an electronic value token transaction computer 150; (c) a data storage area 180, It includes an electronic wallet unit 199 that stores electronic value tokens (e.g., 804, 827, 828, and 829), such as account numbers, electronic wallet account information, value-added reward conditions (herein, "value-added rewards" and "value-added rewards" value-added bonus", "value-added bonus award", "value-added bonus money" and "value difference" synonymously), and other information related to adding, redeeming and managing electronic value tokens; (d) at least one separate issuer Authorization System 160; and (e) any other elements included in the system by Electronic Value Token Transaction Computer Administrator 151. In one embodiment, electronic value token transaction computer 150 includes increment determination unit 153, point-of-sale (“POS”) interface 152, message modification unit 154, reconciliation unit 155, issuer system interface 156, authorization unit 157 and classification Unit 198. In one embodiment, the electronic value token transaction computer 150 (or a unit thereof, such as the classification unit 189 ) further includes a token exchange interface, which can communicate with the electronic value token exchange program 2000 . POS interface 152 provides a means for electronic value token transaction computer 150 to communicate with point-of-sale device 111 via, for example, the Internet, the Public Switched Telephone Network ("PSTN"), or a separate private network. Likewise, the electronic value token transaction computer 150 may communicate with the issuer's authorization system 160 through the issuer system interface 156 via, for example, the Internet, the public switched telephone network ("PSTN"), or a separate private network. The communications 106, 107 between the POS interface 152 and the point-of-sale device 111 and the communications 109, 110 between the issuer's system interface 156 and the issuer's authorization system 160 can be encrypted for added security and/or can use virtual Private Network (“VPN”). Classification unit 198 may classify communications into various types for routing in various ways. For example, classification unit 198 may identify and classify e-purse and/or sub-wallet requests (e.g., upon receipt of authorization information for a transaction request, classification unit 198 may route the requested transaction to a specific e-purse and/or sub-wallet maintained by the system or one or more specific sub-wallets associated with the e-wallet), balance inquiry requests, registration requests, activation requests, redemption requests and management requests to be routed to the various units of FIG. 2A. Electronic value token transaction computer 150 or classification unit 198 may also generate messages based on the request for similar routing.
在图2A中可以看出，在销售点装置111(通常位于卖主和/或赎回商家或零售商处，但备选地位于自助终端189处或用户家中或办公室处，在那里，个人计算机被配置成充当销售点，例如在在线交易期间)处，验证令牌由销售点解译单元101(例如，读卡器)来解译。销售点解译单元101可包括人、条形码扫描仪、磁条读取器、光符号识别装置、生物识别装置、数字键盘(例如，用于输入令牌识别号)或其它装置，该装置被配置成询问、解译、捕获或输入编码在验证令牌中或验证令牌上的数据。As can be seen in FIG. 2A, at the point-of-sale device 111 (typically located at the vendor and/or redemption merchant or retailer, but alternatively at the kiosk 189 or at the user's home or office, a personal computer is Configured to act as a point of sale, such as during an online transaction), the verification token is interpreted by a point of sale interpreting unit 101 (eg, a card reader). The point-of-sale interpretation unit 101 may include a human, barcode scanner, magnetic stripe reader, optical symbol recognition device, biometric device, numeric keypad (e.g., for entering token identification numbers), or other device configured to To interrogate, interpret, capture or enter data encoded in or on a verification token.
大约与验证令牌的解译同时(或者备选地在之前或之后)，由销售点交易单元104发出电子钱包交易请求。销售点交易单元104可包括人、电子输入装置、寄存器或终端、计算机处理单元(“CPU”)、个人计算机、个人数字助理(例如，智能手机)或者对销售点解译单元101和/或销售点处理单元105解译的内容发送请求或消息的其它装置。在一些实施例中，由销售点解译单元101和销售点交易单元104执行的动作可由一个单元执行，该单元能够执行本来由诸如销售点寄存器/终端或个人计算机的单独的单元在基于网络的在线交易期间执行的两种动作。At about the same time as (or alternatively before or after) the interpretation of the verification token, an e-wallet transaction request is issued by the point-of-sale transaction unit 104 . Point of sale transaction unit 104 may include a human, electronic input device, register or terminal, computer processing unit ("CPU"), personal computer, personal digital assistant (e.g., smartphone) or Point processing unit 105 interprets the content of sending requests or other means of messages. In some embodiments, the actions performed by the point-of-sale interpretation unit 101 and the point-of-sale transaction unit 104 may be performed by a single unit capable of performing actions that would otherwise be performed by a separate unit such as a point-of-sale register/terminal or a personal computer on a network-based Two types of actions performed during an online transaction.
销售点解译单元101和销售点交易单元104与销售点处理单元105通信。销售点处理单元105可包括CPU或行业认可的其它类型的处理装置。销售点解译单元101将验证信息102通信至销售点处理单元105。销售点交易单元104将对电子钱包交易的请求103通信至销售点处理单元105。销售点处理单元105可组合该信息以与电子价值代币交易计算机150通信(例如，将请求电子钱包交易的消息与相关联的交易和/或验证数据一起发送)。在一个实施例中，销售点处理单元105存储和/或接收来自电子价值代币交易计算机150(或与之相关联的子管理员或单元，例如子钱包管理员)的交易格式，该格式与POS零售商相关联和/或与给定交易类型和/或价值代币相关联，并且这样的交易格式可用来格式化交易请求或消息，以提示用户另外的信息，或用于其它数据收集或在销售点处发送/接收特征。例如，在零售商处进行购买的用户操作读卡器。读卡器可以是具有输入装置和条形码阅读器或磁条扫描仪的显示器。读卡器可以是触敏的并可具有用于输入的各种按钮。在读卡器提示之后，用户看到“借记卡”、“信用卡”和“e钱包”的选项。用户选择“e钱包”。用户然后看到“购买”、“添加代币”和“删除代币”的选项。用户选择“购买”。在附加的提示(其在一个实施例中与针对销售点的特定零售商的交易格式有关)之后，用户输入PIN码。在一些实施例中，由销售点解译单元101、销售点交易单元104和销售点处理单元105执行的动作可以全部由一个单元(例如，诸如计算机化寄存器的集成的POS装置)来执行，该单元能够执行本来由单独的单元执行的所有动作。The point of sale interpretation unit 101 and the point of sale transaction unit 104 are in communication with the point of sale processing unit 105 . The point-of-sale processing unit 105 may include a CPU or other type of processing device recognized by the industry. The point of sale interpretation unit 101 communicates the verification information 102 to the point of sale processing unit 105 . The point-of-sale transaction unit 104 communicates a request 103 for an electronic wallet transaction to the point-of-sale processing unit 105 . Point-of-sale processing unit 105 may combine this information to communicate with electronic value token transaction computer 150 (eg, send a message requesting an electronic wallet transaction with associated transaction and/or verification data). In one embodiment, point-of-sale processing unit 105 stores and/or receives from electronic value token transaction computer 150 (or a sub-administrator or unit associated therewith, such as a sub-wallet administrator) a transaction format that is consistent with POS retailers are associated and/or associated with a given transaction type and/or value token, and such transaction formats can be used to format transaction requests or messages, to prompt users for additional information, or for other data collection or Send/receive features at the point of sale. For example, a user making a purchase at a retailer operates a card reader. The card reader can be a display with an input device and a barcode reader or magnetic stripe scanner. The card reader may be touch sensitive and may have various buttons for input. After being prompted by the card reader, the user sees options for "debit card," "credit card," and "e-wallet." The user selects "e-wallet". The user then sees options to "Buy", "Add Token" and "Delete Token". The user selects "Buy". After an additional prompt (which in one embodiment pertains to the particular retailer's transaction format for the point of sale), the user enters the PIN code. In some embodiments, the actions performed by point-of-sale interpretation unit 101, point-of-sale transaction unit 104, and point-of-sale processing unit 105 may all be performed by a single unit (e.g., an integrated POS device such as a computerized register) that A unit is capable of performing all actions that would otherwise be performed by a single unit.
销售点处理单元105可经由合适的网络(例如，因特网、公共交换电话网(PSTN)或独立的专用网络)连接到电子价值代币交易计算机150。每个销售点处理单元105具有相关的标识符(例如，终端标识符或序列号)，其可以在将销售点处理单元105连接到电子价值代币交易计算机150的过程中发送到电子价值代币交易计算机150。每个销售点处理单元105可包括对应于各个终端的多个销售点交易单元，这些终端各自具有其自己的终端标识，例如存在于给定商店地点内。The point-of-sale processing unit 105 may be connected to the electronic value token transaction computer 150 via a suitable network, such as the Internet, the public switched telephone network (PSTN), or a separate private network. Each point-of-sale processing unit 105 has an associated identifier (e.g., a terminal identifier or serial number) that can be sent to the electronic value token during connection of the point-of-sale processing unit 105 to the electronic value token transaction computer 150. Transaction computer 150 . Each point-of-sale processing unit 105 may include a plurality of point-of-sale transaction units corresponding to respective terminals, each having its own terminal identification, eg, present within a given store location.
如图2A所示，电子价值代币交易计算机150被配置成：(a)与零售商/商家和/或卖主(例如，经由销售点装置111、顾客因特网接入或自助终端189)、发行者的授权系统160和任何其它实体190形成安全连接，所述实体190被电子价值代币交易计算机管理员151授权访问电子价值代币交易计算机150；(b)与发行者的授权系统160通信以请求和接收价值代币的赎回或向电子钱包内的添加；(c)与发行者的授权系统160通信以赎回与电子钱包相关联的电子价值代币的全部或一部分；(d)生成并维护所执行的所有活动的交易日志170；(e)生成并维护未成功完成的所有活动及其原因的错误日志175；(f)向零售商/商家和/或卖主(例如，经由POS单元111)通信价值代币的赎回或向电子钱包中的添加以及与价值代币的赎回或向电子钱包中的添加相伴随的任何信息；以及(g)将交易不能完成的所有原因通信至零售商/商家和/或卖主(例如，经由POS单元111)。As shown in FIG. 2A , electronic value token transaction computer 150 is configured to: (a) communicate with retailers/merchants and/or vendors (e.g., via point-of-sale devices 111, customer Internet access, or kiosks 189), issuer (b) communicate with the issuer's authorization system 160 to request and receive redemption or addition of value tokens to an electronic wallet; (c) communicate with the issuer's authorization system 160 to redeem all or a portion of the electronic value tokens associated with the electronic wallet; (d) generate and Maintain a transaction log 170 of all activities performed; (e) generate and maintain an error log 175 of all activities that were not successfully completed and why; ) communicate the redemption or addition of the Value Token to the Wallet and any information accompanying the redemption or addition of the Value Token to the Wallet; and (g) communicate to the retailer all reasons why the transaction could not be completed Merchant/Merchant and/or Vendor (eg, via POS unit 111).
电子价值代币交易计算机150可包括单个处理单元(例如，集中的服务器)、多个处理单元(例如，其中各个单元被分散且彼此通信的分布式计算系统)、或它们的组合，其具有伴随的存储能力，每个存储能力能够或设计用于：访问数据存储区180；创建交易日志170；创建并维护错误日志175；例如在销售点处与零售商/商家和/或卖主通信，包括经由因特网以用于在线交易；与单独的发行者的授权系统160通信；处理各个价值代币和电子钱包请求；处理赎回请求；处理增值功能以增加额外的现金价值或增加对于(多个)具体产品或服务的电子赎回优惠券；处理对于针对(多个)具体产品或服务的电子赎回优惠券的赎回请求；以及与能够且被授权与电子价值代币交易计算机150通信的其它系统190通信。Electronic value token transaction computer 150 may include a single processing unit (e.g., a centralized server), multiple processing units (e.g., a distributed computing system in which the various units are dispersed and communicate with each other), or a combination thereof, with accompanying storage capabilities, each capable of or designed to: access the data store 180; create a transaction log 170; create and maintain an error log 175; Internet for online transactions; communicate with individual issuer's authorization system 160; process individual value token and e-wallet requests; process redemption requests; Electronic redemption coupons for products or services; processing redemption requests for electronic redemption coupons for specific product or service(s); and communicating with other systems capable and authorized to communicate with the electronic value token transaction computer 150 190 communications.
数据存储区180保持与每个电子钱包相关联的帐户的记录，该记录指示：(a)每个单独的价值代币是否已被添加或赎回，(b)验证令牌是否已被注册；(c)每个单独的赎回请求的记录和细节，(d)电子价值代币上剩余的数额，(e)赎回电子价值代币所需的规则，(f)电子价值代币的发行者的身份标识，(f)增值奖金奖，(g)赎回增值奖金奖的规则，以及(h)它们的任何组合。数据存储区也可保持授予电子钱包或价值代币增值奖金奖所需的规则的记录。Data store 180 maintains a record of the account associated with each e-wallet indicating: (a) whether each individual value token has been added or redeemed, (b) whether the verification token has been registered; (c) records and details of each individual redemption request, (d) amount remaining on the Electronic Value Token, (e) rules required for redemption of the Electronic Value Token, (f) issuance of the Electronic Value Token the identity of the purchaser, (f) the Add-Up Bonus Award, (g) the rules for redeeming the Add-Up Bonus Award, and (h) any combination thereof. The data store may also maintain records of the rules required to award wallet or value token accretion bonus prizes.
数据存储区180还保持与每个电子钱包和/或子钱包相关联的记录，该记录指示：(a)注册活动的时间和与之有关的其它信息；(b)管理活动的时间和与之有关的其它信息；(c)交易活动的时间和与之有关的其它信息；(e)适用的规则；(f)其中的电子价值代币的发行者的身份标识；(f)与之相关联的子钱包的身份标识；(h)发行者、商家、卖主、广告商、用户或其他利益相关方所请求的任何其它记录；以及(i)它们的任何组合。虽然示出单个数据存储区180，但是应当理解，可以采用多个数据存储区，并且相关数据以任何适当的方式分配在各数据存储区中以满足本文所述各种过程和目的。另外，各种数据可与一个或多个数据存储区相关联，所述一个或多个数据存储区紧密联接到和/或定位靠近与电子价值代币交易计算机150相关联的一个或多个子单元、子处理器、第三方处理器等，并且这样的数据存储区优选地具有由这样的子单元、子处理器和第三方处理器使用的数据。Data store 180 also maintains records associated with each e-wallet and/or sub-wallet indicating: (a) the time of registration activity and other information related thereto; (b) the time and other information related to administrative activity; Other relevant information; (c) the time of transaction activities and other information related thereto; (e) applicable rules; (f) the identity of the issuer of the electronic value token; (f) the associated (h) any other records requested by issuers, merchants, vendors, advertisers, users, or other interested parties; and (i) any combination thereof. While a single data store 180 is shown, it should be understood that multiple data stores may be employed and related data distributed among the various data stores in any suitable manner to meet the various processes and purposes described herein. Additionally, various data may be associated with one or more data storage areas closely coupled to and/or located proximate to one or more subunits associated with electronic value token transaction computer 150 , sub-processors, third-party processors, etc., and such a data storage area preferably has data used by such sub-units, sub-processors and third-party processors.
电子价值代币交易计算机150还被配置成生成并维护涉及电子价值代币交易计算机150的所有活动的交易日志170。交易日志可包括交易类型的详细概述，例如：(a)所请求的价值代币增加；(b)所请求的价值代币销售；(c)所请求的价值代币赎回；(d)所请求的价值代币兑换；(e)归结于价值代币添加的金额；(f)归结于价值代币赎回的金额；(g)归结于价值代币兑换的货币值；(h)增值量、产品或服务增加；(i)增值量、产品或服务赎回；(j)电子价值代币添加的时间；(k)电子价值代币赎回的时间；(l)为添加价值代币而与发行者进行的交易或通信；(m)为赎回价值代币而与发行者进行的交易或通信；(n)响应于添加需要输入PIN以供使用的价值代币的请求而通信至卖主的PIN；(o)e钱包注册(p)e钱包建立活动；(q)e钱包交易活动；(r)e钱包储蓄活动；(s)e钱包管理活动；(t)电子价值代币交易计算机管理员151指示电子价值代币交易计算机150作为日志项保持的任何其它信息；以及(u)它们的任何组合。The electronic value token transaction computer 150 is also configured to generate and maintain a transaction log 170 of all activities involving the electronic value token transaction computer 150 . The Transaction Log may include a detailed overview of transaction types such as: (a) requested Value Token increase; (b) requested Value Token sale; (c) requested Value Token redemption; (d) requested Value Token redemption; Requested value token exchange; (e) amount due to value token addition; (f) amount due to value token redemption; (g) monetary value due to value token exchange; (h) value added , product or service increase; (i) value added, product or service redemption; (j) time of electronic value token addition; (k) time of electronic value token redemption; (l) time for adding value token Transactions or communications with issuers; (m) transactions or communications with issuers for redemption of Value Tokens; (n) communications to sellers in response to requests to add Value Tokens requiring PIN entry for use (o) e-wallet registration (p) e-wallet establishment activity; (q) e-wallet transaction activity; (r) e-wallet savings activity; (s) e-wallet management activity; (t) electronic value token transaction computer Any other information that Administrator 151 instructs Electronic Value Token Transaction Computer 150 to maintain as log entries; and (u) any combination thereof.
交易日志170中包含的信息可用于数据挖掘目的，例如，以生成对账报告、结算报告、支付报告、审计报告、e钱包注册报告、e钱包管理报告、e钱包使用报告、e钱包储蓄报告、电子价值代币购买报告、电子价值代币赎回报告、电子价值代币兑换报告、电子价值代币销售报告、或其它形式的信息聚合，以使电子价值代币交易管理员151、数据存储区管理员181、卖主、发行者、发行者的授权系统160、赎回商家或其他利益相关方受益、由其使用或为其提供。例如，交易日志170包含关于由电子价值代币交易计算机150(及其任何子部件)执行的每个交易的信息并且当对账帐户属于各个卖主、商家、发行者和电子价值代币交易处理系统管理员时可由对账单元155使用。可以记录、分析和/或提供给利益相关方(例如，卖主、商家、发行者、广告商等)的额外的数据挖掘考虑因素包括关于下列各项的数据：(i)e钱包用户的购买习惯；(ii)电子价值代币购买、销售、赎回和兑换；(iii)特卖和/或增值活动；(iv)与忠诚性有关的活动；以及(v)与储蓄有关的活动，所有这些都可用于营销、库存和其它目的。The information contained in transaction log 170 may be used for data mining purposes, for example, to generate reconciliation reports, settlement reports, payment reports, audit reports, e-wallet registration reports, e-wallet management reports, e-wallet usage reports, e-wallet savings reports, e-value token purchase report, e-value token redemption report, e-value token exchange report, e-value token sale report, or other form of information aggregation to enable e-value token transaction administrator 151, data store Benefitted by, used by, or provided to administrators 181 , vendors, issuers, issuer's authorization system 160 , redeeming merchants, or other interested parties. For example, transaction log 170 contains information about each transaction performed by electronic value token transaction computer 150 (and any subcomponents thereof) and when reconciling accounts belong to various vendors, merchants, issuers, and electronic value token transaction processing systems It can be used by the reconciliation unit 155 as an administrator. Additional data mining considerations that may be recorded, analyzed, and/or provided to interested parties (e.g., vendors, merchants, publishers, advertisers, etc.) include data on (i) purchasing habits of eWallet users ; (ii) purchases, sales, redemptions, and exchanges of electronic value tokens; (iii) special sales and/or value-adding events; (iv) loyalty-related events; and (v) savings-related events, all of which May be used for marketing, inventory and other purposes.
电子价值代币交易计算机的监管和维护由电子价值代币交易计算机管理员151执行。虽然不要求，但在备选实施例中，电子价值代币交易计算机管理员151也可充当数据存储区管理员181。电子价值代币交易计算机150被配置成生成并维护未完成的所有交易及其原因的错误日志。在一些实施例中，错误日志由电子价值代币交易计算机管理员151管理。The supervision and maintenance of the electronic value token transaction computer is performed by the electronic value token transaction computer administrator 151 . Although not required, in an alternative embodiment, the electronic value token transaction computer administrator 151 may also serve as the data store administrator 181 . Electronic value token transaction computer 150 is configured to generate and maintain an error log of all outstanding transactions and their reasons. In some embodiments, the error log is managed by the electronic value token transaction computer administrator 151 .
电子价值代币交易计算机150还被配置成与被授权访问电子价值代币交易处理系统且具体地被授权访问电子价值代币交易计算机150的其他实体190通信。这些其他实体可包括第三方支付管理系统、第三方审计系统、发行者关联实体、卖主关联实体、赎回商家或赎回商家关联实体、诸如银行、信用卡代理商或信用合作社的金融机构、或由电子价值代币交易计算机管理员151或有权准许访问的其他实体提供访问的任何其他实体。The electronic value token transaction computer 150 is also configured to communicate with other entities 190 authorized to access the electronic value token transaction processing system, and specifically the electronic value token transaction computer 150 . These other entities may include third-party payment management systems, third-party audit systems, issuer-affiliated entities, vendor-affiliated entities, redeeming merchants or redeeming merchant-affiliated entities, financial institutions such as banks, credit card agencies, or credit unions, or Any other entity providing access to the electronic value token transaction computer administrator 151 or other entity authorized to grant access.
来自与e钱包相关联的销售点装置111或其它接入点的交易请求可包含下列各项信息中的一个或多个：(a)验证信息，(b)销售终端标识，(c)要贷记或借记的数额，(d)请求的时间，(e)请求的日期，(f)发行者的标识，(g)卖主的标识，(h)卖主的地点，(i)所购买的(多个)产品和/或(多个)服务的标识，(j)激活或禁用请求，(k)钱包管理功能，例如，价值代币的添加、价值代币的删除、价值代币的兑换、修改与一个或多个价值代币相关联的管理或处理规则、将钱包分隔成子钱包或将子钱包合并成钱包，等等，(l)和它们的任何组合。然而，包含在请求内的信息不限于枚举列表，而是可以包括除了所列举的项目之外或代替以上所列举的项目的其它项目。A transaction request from a point-of-sale device 111 or other access point associated with an e-wallet may contain one or more of the following: (a) authentication information, (b) point-of-sale identification, (c) credit amount to be credited or debited, (d) time of request, (e) date of request, (f) identification of issuer, (g) identification of seller, (h) location of seller, (i) purchased ( identification of the product(s) and/or service(s), (j) activation or deactivation requests, (k) wallet management functions, e.g., addition of Value Tokens, deletion of Value Tokens, exchange of Value Tokens, Modifying governance or processing rules associated with one or more Value Tokens, segregating wallets into sub-wallets or merging sub-wallets into wallets, etc., (l) and any combination thereof. However, the information contained within the request is not limited to the enumerated list, but may include other items in addition to or instead of the items listed above.
在收到来自销售点的电子钱包交易请求以及由分类单元198进行这样的识别和分类之后，电子价值代币交易计算机150访问数据存储区180的电子钱包单元。电子价值代币交易计算机150处理包含在数据存储区180中的信息并且与单独的发行者的授权系统160通信109、110以实现电子价值代币和对应帐户的管理。消息修改单元可以调整消息和请求，以使得多个单元、子部件/处理器或第三方管理员可以识别和正确地解译消息。例如，在电子价值代币交易计算机150确定与请求相关联的单独的发行者的授权系统160之后，消息修改单元154访问数据库180以确定每个单独的发行者的授权系统160的合适的交易消息格式，然后使用单独的发行者的授权系统160指定的/优选的交易格式和词汇格式化向所述单独的发行者的授权系统160的后续通信。电子价值代币交易计算机150与单独的发行者的授权系统160的通信可以同时发生或独立发生。电子价值代币交易计算机150可经由合适的网络(例如，PSTN、因特网或独立的专用网络)连接到单独的发行者的授权系统。电子价值代币交易计算机150被配置成发送和/或从发行者的授权系统160接收关于电子价值代币的状态的通信110。Electronic value token transaction computer 150 accesses the e-purse unit of data store 180 upon receipt of an e-purse transaction request from a point of sale and such identification and classification by classification unit 198 . The electronic value token transaction computer 150 processes the information contained in the data store 180 and communicates 109, 110 with the individual issuer's authorization system 160 to effectuate the management of the electronic value token and corresponding accounts. A message modification unit can adapt messages and requests so that multiple units, subcomponents/processors or third party administrators can recognize and correctly interpret the message. For example, after electronic value token transaction computer 150 determines the individual issuer's authorization systems 160 associated with the request, message modification unit 154 accesses database 180 to determine the appropriate transaction message for each individual issuer's authorization system 160 format, subsequent communications to the individual issuer's authorization system 160 are then formatted using the individual issuer's authorization system 160 specified/preferred transaction format and vocabulary. Communication of the electronic value token transaction computer 150 with the individual issuer's authorization systems 160 may occur concurrently or independently. Electronic value token transaction computer 150 may be connected to an individual issuer's authorization system via a suitable network (eg, PSTN, Internet, or a separate private network). The electronic value token transaction computer 150 is configured to send and/or receive communications 110 from the issuer's authorization system 160 regarding the status of the electronic value token.
对账单元155对各个发行者、销售卖主和/或赎回商家的帐户进行对账，以用各种交易的价值贷记和借记合适的商家、卖主、电子价值代币交易处理系统管理员和发行者，从而反映哪个实体从哪个其他实体接收价值。例如，如果卖主A销售由发行者B发行的指定金额的价值代币并且从用户(其将电子价值代币添加至用户的电子钱包)接收支付，销售卖主接收购买金额和/或预定金额的百分比(例如，保留百分比)，电子价值代币系统管理员接收购买金额和/或预定金额的百分比以处理交易，并且发行者接收余额。如果由发行者Y发行的价值代币在商家X处被赎回以购买项目，那么赎回的金额被借记到发行者Y且贷记到商家X，有时减去由发行者收取的交易费和/或由电子价值代币交易处理系统管理员收取的交易或手续费。The reconciliation unit 155 reconciles the accounts of the various issuers, selling vendors, and/or redeeming merchants to credit and debit the appropriate merchant, vendor, electronic value token transaction processing system administrator with the value of each transaction and Issuer, thereby reflecting which entity receives value from which other entity. For example, if Vendor A sells a specified amount of Value Tokens issued by Issuer B and receives payment from a User (who adds an electronic Value Token to the User's e-Wallet), the Selling Vendor receives a percentage of the purchase amount and/or a predetermined amount (eg, reserve percentage), the electronic value token system administrator receives a percentage of the purchase amount and/or predetermined amount to process the transaction, and the issuer receives the balance. If a value token issued by Issuer Y is redeemed at Merchant X to purchase an item, the redeemed amount is debited to Issuer Y and credited to Merchant X, sometimes less a transaction fee charged by the Issuer and/or transaction or handling fees charged by the electronic value token transaction processing system administrator.
当电子价值代币交易计算机150也是授权系统时，使用授权单元157，使得电子价值代币交易计算机150授权电子钱包请求而不是将请求发送至发行者的授权系统160以便授权。授权单元157可以执行与针对授权系统160描述的相同和/或不同的功能，反之亦然。When the electronic value token transaction computer 150 is also an authorization system, the authorization unit 157 is used such that the electronic value token transaction computer 150 authorizes the electronic wallet request instead of sending the request to the issuer's authorization system 160 for authorization. Authorization unit 157 may perform the same and/or different functions as described for authorization system 160, and vice versa.
授权单元157将验证从POS处理器105(或其它交易发起装置/部件/处理器)接收的e钱包交易请求(例如，主钱包或子钱包)的格式。换言之，授权单元157将检查请求中的数据字段以确认所述字段被填入数据并且数据具有正确格式(例如，长度、字母数字格式)。如果请求格式不正确，授权单元157将拒绝请求，或者在一些实施例中可能检索正确的格式(例如，从格式数据库中)并修改交易请求以符合正确格式。授权单元157还对请求执行各种验证检查。授权单元157基于对若干标准的分析验证与卡有关的交易信息，例如：1)确定电子价值代币交易处理系统100的数据存储区180(或其它数据库，例如发行者的数据库)中存在产品的UPC代码；2)确定所请求的交易的价值金额对应于顾客对主题交易请求的支付，例如，UPC信息是否将卡标识为$25.00卡并且对应的交易请求包括顾客的$25.00支付；3)确定UPC信息将卡标识为可由请求的商家处理的类型的卡；以及4)确定识别卡发行者的卡的银行识别号码(“BIN”)(即，卡的识别号码的前六位)对应于识别卡发行者的UPC信息。The authorization unit 157 will verify the format of the e-wallet transaction request (eg, master wallet or sub-wallet) received from the POS processor 105 (or other transaction initiation device/component/processor). In other words, the authorization unit 157 will check the data fields in the request to confirm that the fields are populated with data and that the data is in the correct format (eg, length, alphanumeric format). If the request format is incorrect, authorization unit 157 will either reject the request, or in some embodiments may retrieve the correct format (eg, from a formats database) and modify the transaction request to conform to the correct format. Authorization unit 157 also performs various validation checks on the request. Authorization unit 157 verifies card-related transaction information based on analysis of several criteria, such as: 1) determining the existence of a product in data store 180 (or other database, such as an issuer's database) of electronic value token transaction processing system 100; UPC code; 2) determine that the value amount of the requested transaction corresponds to payment by the customer for the subject transaction request, e.g., whether the UPC information identifies the card as a $25.00 card and the corresponding transaction request includes a $25.00 payment by the customer; 3) determine the UPC information identifying the card as a type of card that can be processed by the requesting merchant; and 4) determining that the Bank Identification Number ("BIN") of the card identifying the card issuer (i.e., the first six digits of the card's identification number) corresponds to identifying the card issuer The user's UPC information.
授权单元157也可基于诸如交易速度(单位时间的次数/数额)的其它标准验证交易。例如，如果卡处理器担心多个无效交易是欺诈活动的表现，那么卡处理器可以要求电子价值代币交易处理系统100监测请求的无效交易的数量并从终端拒绝超出预选的单位时间无效交易量的交易。最后，授权单元157可被配置成在由授权单元157接收的信息无法理解的情况下拒绝交易请求。The authorization unit 157 may also verify transactions based on other criteria such as transaction speed (number of times/amount per unit time). For example, if the card processor is concerned that multiple invalid transactions are indicative of fraudulent activity, the card processor may ask the electronic value token transaction processing system 100 to monitor the number of requested invalid transactions and reject invalid transactions from the terminal beyond a preselected amount per unit of time. transaction. Finally, the authorization unit 157 may be configured to reject the transaction request if the information received by the authorization unit 157 is not understandable.
如果请求具有正确的格式并且如上所述那样被验证，电子价值代币交易计算机150可以将交易的细节而不是授权请求发送至发行者的授权系统。另外，在一些实施例中，发行者、授权系统(例如，授权单元157)和交易计算机是相同实体的一部分，并且在这样的实施例中，将不存在发行者的授权系统160，或者发行者的授权系统160将处于与电子价值代币交易计算机150的其它单元(例如，共同拥有和操作的计算系统，其可以是集中的(例如，集中的数据中心的一部分)和/或分布在共同拥有或控制的系统或网络内)共同的控制之下。而且，应当指出，虽然与电子价值代币交易计算机150相关联的单元(例如，单元152-157)出于举例说明和概念性目的而示出为单个数据处理系统内的各个单元，但是单元152-157中的一个或多个可以在分布式数据处理环境中的单独的计算机、系统或服务上实施。If the request is in the correct format and validated as described above, the electronic value token transaction computer 150 may send details of the transaction instead of the authorization request to the issuer's authorization system. Additionally, in some embodiments, the issuer, authorization system (e.g., authorization unit 157), and transaction computer are part of the same entity, and in such embodiments, there will be no issuer's authorization system 160, or issuer's The authorization system 160 will reside with other elements of the electronic value token transaction computer 150 (e.g., a commonly owned and operated computing system, which may be centralized (e.g., part of a centralized data center) and/or distributed in a commonly owned or controlled systems or networks) under common control. Also, it should be noted that while the units associated with electronic value token transaction computer 150 (e.g., units 152-157) are shown as individual units within a single data processing system for illustrative and conceptual purposes, unit 152 - One or more of 157 may be implemented on separate computers, systems or services in a distributed data processing environment.
图4A描绘了根据主e钱包交易处理实施例的由电子价值代币交易计算机150使用以有利于使用电子钱包购买的示例性过程。这样的实施例可通过e钱包交易处理请求例示，该请求由电子价值代币交易处理系统100初始接收和后续执行。所描绘的动作可以所示次序或以不同次序执行，并且动作中的两个或更多个可并行执行。FIG. 4A depicts an exemplary process used by the electronic value token transaction computer 150 to facilitate purchases using the electronic wallet, according to a master e-wallet transaction processing embodiment. Such an embodiment may be exemplified by an e-wallet transaction processing request initially received and subsequently executed by the electronic value token transaction processing system 100 . The depicted actions may be performed in the order shown or in a different order, and two or more of the actions may be performed in parallel.
在框302中，电子价值代币交易计算机150从销售终端接收一个或多个请求。在至少一个实施例中，请求可包括电子钱包交易请求、余额查询请求、注册请求、激活请求、或赎回请求、钱包管理请求，并且包含下列中的一个或多个：(a)终端的身份标识(identity)，(b)验证信息，(c)购买的金额，(d)电子价值代币发行者的身份标识，(e)卖主的身份标识，(f)地点的身份标识，(g)请求的时间，(h)请求的日期，(i)将请求明确标识为e钱包交易请求的信息(例如，交易类型数据)；(j)标识主e钱包、(多个)子钱包、或它们的组合的信息；(k)本文所述的任何其它交易和/或验证数据；以及(l)它们的任何组合。在框302处的请求可包括例如本文所述类型的、除以上列举的项目之外或代替以上列举的项目的其它信息、请求或功能。在至少一个实施例中，验证信息基于选自代理卡和蜂窝电话的验证令牌。利用电子价值代币发行者的身份标识，交易可以被正确地格式化以与电子价值代币发行者通信。In block 302, the electronic value token transaction computer 150 receives one or more requests from a point of sale. In at least one embodiment, the request may include an electronic wallet transaction request, balance query request, registration request, activation request, or redemption request, wallet management request, and include one or more of the following: (a) the identity of the terminal Identity, (b) verification information, (c) purchase amount, (d) identity of electronic value token issuer, (e) identity of seller, (f) identity of location, (g) The time of the request, (h) the date of the request, (i) information that clearly identifies the request as an e-wallet transaction request (e.g., transaction type data); (j) identifies the master e-wallet, sub-wallet(s), or their (k) any other transaction and/or verification data described herein; and (l) any combination thereof. The request at block 302 may include, for example, other information, requests, or functions of the type described herein in addition to or instead of the items listed above. In at least one embodiment, the authentication information is based on an authentication token selected from a proxy card and a cell phone. Using the identity of the electronic value token issuer, transactions can be properly formatted to communicate with the electronic value token issuer.
利用从销售点装置111和/或从得自数据存储区180的信息接收的包含在电子钱包交易内的信息，在框304中，电子价值代币交易计算机150确定请求是否为包含有效验证信息的电子钱包请求以及请求是否用于(多个)价值代币的赎回、(多个)价值代币的添加、(多个)价值代币的删除或电子钱包的管理。电子钱包请求可包括作为验证信息一部分的位于代理卡上的银行识别号码(“BIN”)。分类单元可以将BIN号码解码或以其它方式验证请求是否为电子钱包请求。Using the information contained within the electronic wallet transaction received from the point-of-sale device 111 and/or from information obtained from the data store 180, in block 304 the electronic value token transaction computer 150 determines whether the request contains valid authentication information. Wallet Request and whether the request is for Redemption of Value Token(s), Addition of Value Token(s), Deletion of Value Token(s) or Management of the Wallet. The Wallet request may include the Bank Identification Number ("BIN") located on the proxy card as part of the authentication information. The classification unit may decode the BIN number or otherwise verify that the request is an e-wallet request.
利用从销售点装置111和/或从得自数据存储区180的信息接收的包含在电子钱包交易内的信息，在框324中，电子价值代币交易计算机150识别/确定主e钱包、(多个)子钱包和/或所指出的/所需的所述e钱包或(多个)子钱包的地点，以实现所接收的e钱包交易请求。如果接收的授权信息表明所请求的e钱包交易涉及由电子价值代币交易计算机150维护的主e钱包、子钱包、或它们的组合，那么电子价值代币交易计算机150可以：(i)将其自己的逻辑应用到请求；(ii)应用存储在主钱包中的规则(例如，由电子价值代币交易处理系统管理员、主e钱包用户、或它们的组合建立的规则)；(iii)应用存储在子钱包中的规则(例如，由电子价值代币交易处理系统管理员、子钱包用户、或它们的组合建立的规则)；(iv)应用通过请求从销售点111接收的规则(例如，由主e钱包/子钱包的用户随请求同时提交的规则)；(v)或它们的任何组合。Utilizing information received from the point-of-sale device 111 and/or from information received from the data store 180 contained within the electronic wallet transaction, in block 324 the electronic value token transaction computer 150 identifies/determines the master e-wallet, (multiple ) sub-wallet and/or the indicated/required location of said e-wallet or sub-wallet(s) to fulfill the received e-wallet transaction request. If the received authorization information indicates that the requested e-wallet transaction involves a master e-wallet maintained by electronic value token transaction computer 150, a sub-wallet, or a combination thereof, then electronic value token transaction computer 150 may: (i) send it to Apply its own logic to the request; (ii) apply rules stored in the master wallet (e.g., rules established by e-value token transaction processing system administrators, master e-wallet users, or a combination thereof); (iii) apply rules stored in the sub-wallet (e.g., rules established by an e-value token transaction processing system administrator, sub-wallet user, or a combination thereof); (iv) applying rules received by request from the point of sale 111 (e.g., rules submitted by the user of the main e-wallet/sub-wallet at the same time as the request); (v) or any combination thereof.
例如，一个实施例可包括确定整个请求与包含在主e钱包中的价值代币有关的电子价值代币交易计算机150。在接收请求之后，电子价值代币交易计算机150将查询其授权单元157(如本文更全面描述的)、其数据存储区180、e钱包单元199和任何其它必要的单元，以确定主e钱包是否包括能够满足主题请求的价值代币(例如，主e钱包是否包含与和所请求的交易有关的卖主、商家和/或发行者相关联的价值代币)。这种确定可通过比较电子价值代币标识、用户ID、请求的交易类型来进行。电子价值代币交易计算机150将随后评价对应于该请求的主e钱包中可用的电子价值代币将按照主e钱包的规则和/或随请求接收的规则应用的方式，并且执行或拒绝执行所请求的交易和/或多个交易。For example, one embodiment may include the electronic value token transaction computer 150 determining that the entire request relates to value tokens contained in the master e-wallet. After receiving the request, the electronic value token transaction computer 150 will query its authorization unit 157 (as described more fully herein), its data storage area 180, e-wallet unit 199, and any other necessary units to determine whether the master e-wallet Include value tokens that can satisfy the subject's request (eg, whether the master e-wallet contains value tokens associated with the vendor, merchant, and/or issuer associated with the requested transaction). This determination can be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token transaction computer 150 will then evaluate the manner in which the electronic value tokens available in the master e-wallet corresponding to the request will be applied in accordance with the rules of the master e-wallet and/or the rules received with the request, and execute or refuse to execute all e-value tokens. The requested transaction and/or transactions.
另一个实施例可包括确定整个请求与包含在子钱包中的价值代币有关的电子价值代币交易计算机150。在接收请求之后，电子价值代币交易计算机150将查询其授权单元157(如本文更全面描述的)、其数据存储区180、e钱包单元199和任何其它必要的单元，以确定子钱包是否包括能够满足主题请求的价值代币(例如，子钱包是否包含与和所请求的交易有关的卖主、商家和/或发行者相关联的价值代币)。这种确定可通过比较电子价值代币标识、用户ID、请求的交易类型来进行。电子价值代币交易计算机150将随后评价对应于该请求的子钱包中可用的电子价值代币将按照子钱包的规则和/或随请求接收的规则应用的方式，并且执行或拒绝执行所请求的交易和/或多个交易。Another embodiment may include the electronic value token transaction computer 150 determining that the entire request relates to value tokens contained in the sub-wallet. After receiving the request, the electronic value token transaction computer 150 will query its authorization unit 157 (as described more fully herein), its data storage area 180, e-wallet unit 199, and any other necessary units to determine whether the sub-wallet includes Value tokens that can satisfy the subject's request (eg, whether the sub-wallet contains value tokens associated with the vendor, merchant, and/or issuer associated with the requested transaction). This determination can be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token transaction computer 150 will then evaluate the manner in which the electronic value tokens available in the sub-wallet corresponding to the request will be applied in accordance with the sub-wallet's rules and/or rules received with the request, and execute or refuse to execute the requested transaction and/or multiple transactions.
在另一示例中，一个实施例可包括电子价值代币交易计算机150，其确定整个交易请求的一部分与位于主e钱包中的电子价值代币有关，而交易请求的一部分与位于(多个)子钱包中的电子价值代币有关。这种确定可通过评价所请求的交易类型、电子价值代币标识、或用于确定交易分配的任何其它方法来进行。电子价值代币交易计算机150将评价对应于该请求的主e钱包中可用的电子价值代币将按照主e钱包的规则(因为这些规则可以影响位于主e钱包中的将采用的支付方法)应用的方式，电子价值代币交易计算机150将评价对应于该请求的任何适用的子钱包中可用的电子价值代币将按照此类子钱包的规则和/或随请求接收的规则应用的方式，并且执行或拒绝执行所请求的交易和/或多个交易。In another example, an embodiment may include an electronic token of value transaction computer 150 that determines that a portion of the entire transaction request pertains to electronic tokens of value located in the master e-wallet and a portion of the transaction request pertains to electronic tokens of value located in the It is related to the electronic value tokens in the sub-wallet. This determination may be made by evaluating the requested transaction type, electronic value token identification, or any other method for determining transaction allocation. Electronic value token transaction computer 150 will evaluate the electronic value tokens available in the master e-wallet corresponding to the request and will apply according to the rules of the master e-wallet (because these rules can affect the payment method that will be used in the master e-wallet) electronic value token transaction computer 150 will evaluate the electronic value tokens available in any applicable sub-wallets corresponding to the request in such a manner that the rules of such sub-wallets and/or rules received with the request will be applied, and Execute or refuse to execute the requested transaction and/or transactions.
在一个示例性实施例中，在框324处，电子价值代币交易计算机150可以响应于接收的交易请求识别主e钱包中的一个或多个价值代币和子钱包中的一个或多个电子价值代币，这些价值代币在一起使用时将足以支付全部所请求的e钱包交易。此外，位于主e钱包或子钱包中的电子价值代币中的一个可以是忠诚卡的电子表示，并且位于所述忠诚卡价值代币的相同或不同地点的另一个电子价值代币可以是零售商的礼品卡的电子表示。在这样的示例中，电子价值代币交易计算机150可以实现同时使用“忠诚卡”代币和“零售商的礼品卡”代币，而不论代币在主e钱包和/或(多个)子钱包中的地点如何，以允许相比不同时将“零售商的礼品卡”代币和“忠诚卡”代币的价值应用于交易所增加的用户益处，例如，在“零售商的礼品卡”代币的价值或应用于“忠诚卡”代币以用于“零售商的礼品卡”代币的积分点奖金中5％的增加。In an exemplary embodiment, at block 324, the electronic value token transaction computer 150 may identify one or more value tokens in the master e-wallet and one or more electronic value tokens in the sub-wallet in response to the received transaction request. Tokens which, when used together, will be sufficient to cover all requested e-wallet transactions. In addition, one of the electronic value tokens located in the master e-wallet or sub-wallet may be an electronic representation of a loyalty card, and another electronic value token located in the same or a different location of the loyalty card value token may be a retail An electronic representation of the merchant's gift card. In such an example, the electronic value token transaction computer 150 can enable the simultaneous use of "loyalty card" tokens and "retailer's gift card" tokens regardless of whether the tokens are stored in the main e-wallet and/or sub(s) How is the location in the wallet to allow increased user benefits compared to not applying the value of both the "Retailer's Gift Card" token and the "Loyalty Card" token to the exchange, e.g. in the "Retailer's Gift Card" A 5% increase in the value of the token or in bonus points applied to the "loyalty card" token for the "retailer's gift card" token.
价值代币可与闭环帐户或开环帐户相关联。闭环帐户通常在帐户中的资金用完之后过期，例如礼品卡帐户。开环帐户通常不过期。相反，通常存在各个实体贷记和借记帐户的持续的义务，例如，诸如Visa或Mastercard的有品牌的信用卡帐户或借记卡帐户。闭环帐户常常直接与零售商相关联，而开环帐户常常与金融机构相关联(例如，Chase或Citi发行的Visa)。在至少一个实施例中，电子价值代币包括闭环帐号和开环帐号。闭环帐号与能够借记或贷记与该闭环帐号相关联的闭环帐户的零售商相关联。开环帐号与能够借记或贷记与该开环帐号相关联的开环帐户的金融机构相关联。电子价值代币可具有不同于任何其它价值代币的过期日期或规定的使用日期。而且，电子价值代币可以识别可以使用电子价值代币的具体商家、地点、和/或产品。Value tokens can be associated with closed loop accounts or open loop accounts. Closed-loop accounts typically expire after the funds in the account are depleted, such as gift card accounts. Open loop accounts usually do not expire. Instead, there is typically an ongoing obligation for each entity to credit and debit accounts, eg, branded credit or debit card accounts such as Visa or Mastercard. Closed loop accounts are often directly associated with retailers, while open loop accounts are often associated with financial institutions (eg, Visa issued by Chase or Citi). In at least one embodiment, the electronic value token includes a closed-loop account number and an open-loop account number. A closed loop account number is associated with a retailer that can debit or credit a closed loop account associated with the closed loop account number. An open loop account number is associated with a financial institution capable of debiting or crediting an open loop account associated with the open loop account number. An electronic value token may have an expiration date or a stated use date that is different from any other value token. Also, the electronic value token may identify a specific merchant, location, and/or product where the electronic value token may be used.
如果请求是针对价值代币添加，那么在框306中，电子钱包被创建(如果尚未创建)并且电子价值代币被添加到电子钱包。下面的表格包括e钱包交易通信中所包括并且由电子价值代币交易处理系统100使用以方便和实现e钱包交易的要素、参数和信息。If the request is for a value token addition, then in block 306 an electronic wallet is created (if not already created) and the electronic value token is added to the electronic wallet. The table below includes elements, parameters and information included in an e-wallet transaction communication and used by the electronic value token transaction processing system 100 to facilitate and effectuate an e-wallet transaction.
表1A示出在至少一个实施例中为了创建钱包而请求的请求参数。表1B示出在至少一个实施例中为了创建钱包而请求的响应参数。Table 1A shows the request parameters requested to create a wallet in at least one embodiment. Table IB shows the response parameters requested to create a wallet in at least one embodiment.
表1ATable 1A
请求参数request parameters
表1BTable 1B
响应参数response parameters
电子价值代币交易计算机150优选地为电子钱包和(多个)价值代币分配存储器并且通过将信息片段存储在数据存储区180上的数据结构中而将帐号与电子钱包和/或存储在电子钱包单元199中的验证信息相关联。表2示出在至少一个实施例中用于礼品卡价值代币的参数。The electronic value token transaction computer 150 preferably allocates memory for the electronic wallet and the value token(s) and associates the account number with the electronic wallet and/or by storing pieces of information in a data structure on the data storage area 180 and/or in the electronic wallet. The authentication information in the wallet unit 199 is associated. Table 2 shows parameters for gift card value tokens in at least one embodiment.
表2Table 2
表3示出在备选实施例中用于礼品卡电子价值代币的更详细的参数，包括相关的(多个)钱包和/或(多个)子钱包的名称。Table 3 shows more detailed parameters for gift card electronic value tokens in an alternative embodiment, including the name of the associated wallet(s) and/or sub-wallet(s).
表3table 3
然而，请求可以由于与添加代币决策无关的其它原因而被修改并且作为对账过程的一部分转发给发行者的授权系统160中合适的一个，例如，请求可能涉及赎回、删除、重新加载值、增加值、余额查询或它们的组合，其中每一个将被通信至发行者的授权系统160以进行对账。However, the request may be amended for other reasons unrelated to the add token decision and forwarded to the appropriate one of the issuer's authorization systems 160 as part of the reconciliation process, for example, the request may involve redemption, deletion, reloading of value , add value, balance inquiry, or a combination thereof, each of which will be communicated to the issuer's authorization system 160 for reconciliation.
表4示出用于验证通信的格式。Table 4 shows the format used for authentication communication.
表4Table 4
每个请求使用签名验证，用户使用用户名/密码或open id验证，会话使用用户令牌验证。顾客端可以发送client_ref_id、timestamp、nonce、encryption_type、channel、user_ip、签名、可选地usertoken，其中每个请求能够验证每个消息。Each request is authenticated using a signature, the user is authenticated using a username/password or open id, and the session is authenticated using a user token. The client can send client_ref_id, timestamp, nonce, encryption_type, channel, user_ip, signature, and optionally usertoken, where each request can authenticate each message.
表5示出用来检索用户的钱包的参数。Table 5 shows the parameters used to retrieve the user's wallet.
表5table 5
表6A示出用来从钱包中的代币赎回价值的请求参数。Table 6A shows the request parameters used to redeem value from tokens in the wallet.
表6ATable 6A
请求参数request parameters
表6B示出用来从钱包中的代币赎回价值的响应参数。Table 6B shows the response parameters used to redeem value from tokens in the wallet.
表6B响应参数Table 6B Response parameters
表7A示出用来将价值代币载入钱包中的请求参数。Table 7A shows the request parameters used to load value tokens into the wallet.
表7ATable 7A
请求参数request parameters
表7B示出用来将价值代币载入钱包中的响应参数。Table 7B shows the response parameters used to load value tokens into the wallet.
表7BTable 7B
响应参数response parameters
如果请求是用于价值代币赎回，那么在框308中，电子价值代币交易计算机150访问此前确定与验证信息相关联的电子钱包并且检查与电子钱包相关联的规则。在至少一个实施例中，检查规则包括检查可由用户配置的价值代币的优先级。例如，用户可能喜欢使用对应于发起购买请求的零售商的任何闭环价值代币。如果没有发现任何闭环价值代币或者如果代币不够支付购买，那么用户可能愿意使用开环价值代币来支付剩余部分。由于这些偏好，闭环价值代币可能均具有比开环价值代币更高的优先级。在开环价值代币中，一种可能优先于另一种。例如，用户喜欢用信用卡而不是借记卡来支付任何剩余部分。在至少一个实施例中，用户可以通过因特网或移动应用来配置这些规则并且将这种优先级保存为默认偏好。在备选实施例中，用户在POS装置(例如，在诸如收银通道、客服中心或自助终端的卖主或零售商地点)处选择电子价值代币以应用于电子钱包请求。因此，选择电子价值代币包括选择具有最高优先级的价值代币，这些价值代币在一起使用时将足够支付购买金额。在示例中可以看出，一个购买交易已被拆分成两个赎回，而不降低购买的效率。类似地，一个或多个电子钱包交易可被拆分成两个或更多个交易，而不降低效率。在一个实施例中，至少一个电子价值代币与闭环预付帐户(例如，电子预付、礼品或储值卡)相关联，并且与主钱包相关联的规则引起由与子钱包相关联的第三方管理员处理的子交易。If the request is for a value token redemption, then in block 308 the electronic value token transaction computer 150 accesses the e-purse previously determined to be associated with the authentication information and checks the rules associated with the e-purse. In at least one embodiment, checking the rules includes checking a user-configurable priority of value tokens. For example, a user may prefer to spend any closed-loop value token corresponding to the retailer that initiated the purchase request. If no closed-loop value tokens are found or if there are not enough tokens to cover the purchase, then the user may be willing to use open-loop value tokens to pay for the remainder. Because of these preferences, closed-loop value tokens may all have higher priority than open-loop value tokens. In open-loop value tokens, one may take precedence over the other. For example, users prefer to pay for any remaining portion with a credit card rather than a debit card. In at least one embodiment, a user can configure these rules via the Internet or a mobile application and save this priority as a default preference. In an alternative embodiment, a user selects an electronic value token to apply to an electronic wallet request at a POS device (eg, at a vendor or retailer location such as a checkout lane, call center, or self-service terminal). Therefore, the selection of electronic value tokens includes the selection of value tokens with the highest priority, which when used together will be sufficient to cover the purchase amount. As can be seen in the example, one purchase transaction has been split into two redemptions without reducing the efficiency of the purchase. Similarly, one or more e-wallet transactions can be split into two or more transactions without loss of efficiency. In one embodiment, at least one electronic value token is associated with a closed-loop prepaid account (e.g., an electronic prepaid, gift, or stored-value card) and the rules associated with the master wallet cause it to be managed by a third party associated with the sub-wallet. Sub-transactions processed by clerks.
在至少一个实施例中，检查规则包括检查不同的价值代币应当应用到的电子钱包请求的百分比，并且其中应用电子价值代币包括按照百分比将电子价值代币应用到电子钱包请求。在框310中，电子价值代币交易计算机150然后基于规则选择电子钱包中的价值代币，这些价值代币在一起使用时将满足电子钱包请求。例如，用户可以配置规则使得每个购买在两个信用卡之间均匀地拆分。因此，选择电子价值代币包括选择在它们之间拆分购买金额的两个开环代币。类似于上述示例，效率得以保持，因为在销售点使用单个验证令牌(例如，仅代理卡或移动装置)，而不是对应于电子价值代币的两个信用卡。可以实施其它规则，并且这些规则可以彼此以各种排列和组合使用。电子价值代币交易处理系统也可基于在电子钱包请求中发送的信息实施“如果-那么”规则。例如，在加油站的购买可导致汽油信用卡价值代币选择，等等。在这样的实施例中，电子价值代币计算机150可以查询主e钱包10和/或子钱包807(例如，对于信用卡类电子价值代币)、808(例如，对于借记卡类电子价值代币)和809(例如，对于储值卡类电子价值代币)的规则802、817、818和819并且基于包括交易类型(例如，在加油站的购买)的交易请求信息来确定为主e钱包10和/或子钱包807、808和809建立的规则要求交易类型请求首先用第一电子价值代币类型(例如，与汽油卡有关的电子价值代币829)来满足，并且在主e钱包10和/或子钱包807、808和809不包括满足整个交易请求的足够数额的第一价值代币类型的情况中，电子价值代币计算机150可以用第二电子价值代币类型(例如，与借记卡有关的电子价值代币828)来满足交易请求的剩余部分。In at least one embodiment, checking the rules includes checking a percentage of e-wallet requests to which different value tokens should be applied, and wherein applying the electronic value token includes applying the electronic value token to the e-wallet request by percentage. In block 310, the electronic value token transaction computer 150 then selects, based on the rules, the value tokens in the electronic wallet that, when used together, will satisfy the electronic wallet request. For example, a user may configure rules such that each purchase is split evenly between two credit cards. Therefore, choosing an electronic value token includes choosing two open-loop tokens that split the purchase amount between them. Similar to the above example, efficiency is maintained because a single verification token (eg, only proxy card or mobile device) is used at the point of sale, rather than two credit cards corresponding to electronic value tokens. Other rules can be implemented, and these rules can be used in various permutations and combinations with each other. The electronic value token transaction processing system may also implement "if-then" rules based on the information sent in the electronic wallet request. For example, a purchase at a gas station may result in a gasoline credit card value token selection, and so on. In such an embodiment, the electronic value token computer 150 may query the master e-wallet 10 and/or sub-wallets 807 (e.g., for credit card type electronic value tokens), 808 (e.g., for debit card type electronic value tokens) ) and 809 (e.g., for stored-value card-type electronic value tokens) and based on the transaction request information including the type of transaction (e.g., a purchase at a gas station) to determine the master e-wallet 10 and/or rules established by sub-wallets 807, 808, and 809 require transaction type requests to be first satisfied with a first electronic value token type (e.g., electronic value token 829 associated with a gasoline card), In the event/or sub-wallets 807, 808, and 809 do not include a sufficient amount of the first value token type to satisfy the entire transaction request, the electronic value token computer 150 may use the second electronic value token type (e.g., with debit Card-related electronic value token 828) to satisfy the remainder of the transaction request.
电子价值代币交易计算机150还将电子价值代币应用于电子钱包请求。在将电子价值代币应用于请求时，电子价值代币交易计算机150可生成和发送借方和贷方消息以使用合适的帐号在由零售商和金融机构管理的帐户上执行，或者当电子价值代币交易计算机具有这样的管理权限时，电子价值代币交易计算机150可以直接贷记或借记帐户。The electronic value token transaction computer 150 also applies the electronic value token to the electronic wallet request. When applying an electronic value token to a request, the electronic value token transaction computer 150 can generate and send debit and credit messages to execute on accounts managed by retailers and financial institutions using the appropriate account number, or when the electronic value token When the transaction computer has such administrative authority, the electronic value token transaction computer 150 can directly credit or debit the account.
在至少一个实施例中，电子价值代币交易计算机150修改请求(例如，应用所需的格式)并将修改的请求转发给其中一个合适的发行者的授权系统160，该系统接收修改的请求并对其进行操作，例如，授权和/或处理请求以赎回电子价值代币并且相应地更新数据存储区。在至少一个实施例中，授权系统160不在与电子钱包请求接收处相同的地点。例如，如果电子钱包请求是从零售商店接收的，那么授权系统可能由零售商拥有和操作，但可能不在零售商店处。相反，授权系统可能位于例如数据中心。因此，零售商店和零售商通常都不需要知道钱包中的一些或全部内容。在至少一个实施例中，零售商店甚至不知道存在电子钱包，因为它仅仅知道一些交易授权动作已通信至其销售点(例如，代理卡的刷卡、个人数字助理与销售点装置的交互、在销售点的小键盘上输入PIN、或者其它授权活动)。换言之，相比传统的物理支付(physical tender)，在销售点访问和使用e钱包是无缝的，并且不需要任何专门的或定制的动作，以便处理交易。发行者的授权系统160将响应消息发回到电子价值代币交易计算机150。在其中电子价值代币交易计算机150执行发行者的授权系统160的功能的备选实施例中，该方法可以直接从框306或310进行到框314。In at least one embodiment, electronic value token transaction computer 150 modifies the request (e.g., to apply a desired format) and forwards the modified request to one of the appropriate issuer's authorization systems 160, which receives the modified request and It operates on, eg, authorizes and/or processes requests to redeem electronic value tokens and updates the data store accordingly. In at least one embodiment, authorization system 160 is not at the same location as the e-Purse request is received. For example, if the e-wallet request is received from a retail store, the authorization system may be owned and operated by the retailer, but may not be at the retail store. Instead, the authorization system may be located, for example, in a data center. Therefore, neither the retail store nor the retailer typically needs to know some or all of the wallet's contents. In at least one embodiment, the retail store doesn't even know that an e-wallet exists because it only knows that some transaction authorization action has been communicated to its point of sale (e.g., swiping of a proxy card, interaction of a personal digital assistant with a point of sale device, Entering a PIN on the keypad of the point, or other authorization activities). In other words, compared to traditional physical tenders, accessing and using e-wallets at the point of sale is seamless and does not require any specialized or customized actions in order to process the transaction. The issuer's authorization system 160 sends a response message back to the electronic value token transaction computer 150 . In alternative embodiments in which the electronic value token transaction computer 150 performs the functions of the issuer's authorization system 160 , the method may proceed directly from blocks 306 or 310 to block 314 .
在框312中，电子价值代币交易计算机150从其中一个合适的发行者的授权系统160接收确认消息。在框314处，电子价值代币交易计算机150更新电子钱包单元199和数据存储区180中的电子钱包以反映电子钱包被激活，并且反映(多个)电子价值代币的任何借记、贷记、添加或删除。图6A-6D示出在至少一个实施例中的一系列用户接口画面和提示。例如，用户在通过连接到因特网的计算机和/或自助终端189管理用户的电子钱包时可以看到图示的提示。In block 312, the electronic value token transaction computer 150 receives a confirmation message from one of the appropriate issuer's authorization systems 160. At block 314, the electronic value token transaction computer 150 updates the electronic wallet in the electronic wallet unit 199 and data storage area 180 to reflect that the electronic wallet is activated, and to reflect any debits, credits of the electronic value token(s) , Add or Delete. 6A-6D illustrate a series of user interface screens and prompts in at least one embodiment. For example, a user may see the illustrated prompts when managing the user's electronic wallet through an Internet-connected computer and/or kiosk 189 .
在框316中，交易日志170可由电子价值代币交易计算机150更新以记录关于交易的细节。记录在交易日志中的细节可包括：(a)交易的类型、时间和日期，(b)电子钱包是否被激活，(c)在请求被拒绝时电子钱包未被激活的原因，(d)(多个)电子价值代币的贷记、借记、添加或删除，(e)与(多个)电子价值代币相关联的规则的变化，(f)卖主的身份标识，(g)发行者的身份标识，(h)卖主的地点，(i)添加电子价值代币的终端的身份标识，(j)授予电子价值代币的实体的身份标识，以及(k)它们的任何组合。交易日志可包括除了以上列举的项目之外或代替它们的其它信息(例如，交易和/或验证数据)。In block 316, the transaction log 170 may be updated by the electronic value token transaction computer 150 to record details about the transaction. Details recorded in the transaction log may include: (a) the type, time and date of the transaction, (b) whether the Wallet was activated, (c) the reason why the Wallet was not activated when the request was denied, (d) ( Crediting, debiting, adding, or deleting of) electronic value token(s), (e) changes in rules associated with electronic value token(s), (f) identification of seller, (g) issuer , (h) the location of the seller, (i) the identity of the terminal adding the electronic value token, (j) the identity of the entity granting the electronic value token, and (k) any combination thereof. A transaction log may include other information (eg, transaction and/or authentication data) in addition to or instead of the items listed above.
在框架318中，电子价值代币交易计算机150然后将确认消息转发至销售点装置111。在将确认消息转发至销售点装置111之前，电子价值代币交易计算机150可以例如根据需要修改确认消息，以包括可以打印在给顾客的收据上和/或为操作销售点装置111的店员呈现在显示器上的信息。在框320处，电子价值代币交易计算机150对各个卖主、商家、发行者、电子价值代币交易处理系统管理员、以及与电子价值代币的发行、销售、赎回和营销有关的其他实体的帐户进行对账，以借记和贷记合适的帐户，并且在一些实施例中引发属于各个实体的合适的银行帐户之间的资金转账。备选地，帐户的对账可以定期进行(例如，每天一次、每周一次、每月一次，等等)，而不是在交易之后。在这样的实施例中，来自交易日志170的信息可用来对各种价值代币的销售或赎回所涉及的各个实体进行对账，从而需要引发较少的资金转账。在一个实施例中，交易日志170中的信息用来匹配交易等。例如，将来自给定地点或给定商家的所有交易分组，或者对交易类型分组(例如，贷记、借记等)。在各种实施例中，事件的描绘顺序可以改变，从而可以按任何期望的次序、顺序地或同时地进行。The electronic value token transaction computer 150 then forwards the confirmation message to the point of sale device 111 in frame 318 . Before forwarding the confirmation message to the point-of-sale device 111, the electronic value token transaction computer 150 may, for example, modify the confirmation message as desired to include information that may be printed on a receipt to the customer and/or presented to the clerk operating the point-of-sale device 111 information on the display. At block 320, the electronic value token transaction computer 150 communicates with various vendors, merchants, issuers, electronic value token transaction processing system administrators, and other entities involved in the issuance, sale, redemption, and marketing of electronic value tokens. Reconciliations are performed to debit and credit appropriate accounts, and in some embodiments, initiate transfers of funds between appropriate bank accounts belonging to the respective entities. Alternatively, reconciliation of accounts may be performed periodically (eg, daily, weekly, monthly, etc.) rather than after transactions. In such an embodiment, information from transaction log 170 may be used to reconcile the various entities involved in the sale or redemption of various value tokens, thereby requiring fewer transfers of funds to be incurred. In one embodiment, the information in the transaction log 170 is used to match transactions and the like. For example, grouping all transactions from a given location or a given merchant, or grouping transaction types (eg, credit, debit, etc.). In various embodiments, the order in which events are depicted may be altered so that they may occur in any desired order, sequentially or concurrently.
图2B示出根据一个实施例的示例性的电子价值代币交易处理系统1100，其中，电子钱包处理系统包括电子价值代币交易计算机150，其充当电子子钱包交易处理器，与诸如通过E-钱包聚合器系统1000示出的主电子钱包交易处理器集成。E-钱包聚合器系统1000可以被进一步理解为具有与本文所述电子价值代币交易计算机150相同的功能、能力、数据库访问、联网连接、和操作部件，并且在一些实施例中，电子价值代币交易计算机150及其相关部件(例如，电子价值代币交易处理系统100)可充当或代替E-钱包聚合器系统1000。在一个实施例中，E-钱包聚合器系统1000可以由一个或多个公共实体控制、维护、操作、拥有和/或以其它方式管理，该实体控制、维护、操作、拥有和/或以其它方式管理电子价值代币交易计算机150，即，主电子钱包交易处理器和电子子钱包交易处理器共享公共的控制器、维护者、操作者、所有者和/或管理者。在一个实施例中，E-钱包聚合器系统1000可由一个或多个实体控制、维护、操作、拥有和/或以其它方式管理，该实体与控制、维护、操作、拥有和/或以其它方式管理电子价值代币交易计算机150的一个和/或多个实体独立、不同和/或无关，即，主电子钱包交易处理器和电子子钱包交易处理器不共享公共的控制器、维护者、操作者、所有者和/或管理者。如图所示，当以电子子钱包交易处理容量工作时，电子价值代币交易处理系统1100包括：(a)电子价值代币交易计算机150；(b)E-钱包聚合器系统接口1052；(c)数据存储区180，其包含电子钱包单元199，电子钱包单元199存储电子价值代币(例如，804、827、828和829)，例如帐号、电子钱包帐户信息、增值奖励条件(在本文中，“增值奖励”与“增值奖金”、“增值奖金奖”、“增值奖励金”和“价值差异”同义)，以及本文详细描述的与添加、赎回和管理电子价值代币有关的其它信息；(d)至少一个单独的发行者授权系统160；以及(e)由电子价值代币交易计算机管理员151包括在系统中的任何其它单元。在一个实施例中，电子价值代币交易计算机150包括增值确定单元153、E-钱包聚合器系统接口1052、消息修改单元154、对账单元155、发行者系统接口156、授权单元157和分类单元198。E-钱包聚合器系统接口1052为电子价值代币交易计算机150提供了经由例如因特网、公共交换电话网(“PSTN”)或独立的专用网络与E-钱包聚合器系统1000通信的手段。同样，电子价值代币交易计算机150可经由例如因特网、公共交换电话网(“PSTN”)或独立的专用网络通过发行者系统接口156与发行者的授权系统160进行通信。在E-钱包聚合器系统接口1052和E-钱包聚合器系统1000之间的通信116、117以及在发行者系统接口156和发行者的授权系统160之间的通信109、110可被加密以增加安全性和/或可以使用虚拟专用网(“VPN”)。分类单元198可以将通信分类成各种类型以便通过各种方式路由。例如，分类单元198可以识别和分类子钱包请求(例如，在收到交易请求的授权信息之后，分类单元198可以将所请求的交易路由到由系统维护的具体电子子钱包和/或保持在该电子子钱包内的一个或多个具体部分)、余额查询请求、注册请求、激活请求、赎回请求和管理请求以路由到图2B的各个单元。电子价值代币交易计算机150或分类单元198还可基于请求生成消息以进行类似的路由。2B illustrates an exemplary electronic value token transaction processing system 1100 according to one embodiment, wherein the electronic wallet processing system includes an electronic value token transaction computer 150 that acts as an electronic sub-wallet transaction The wallet aggregator system 1000 shows integration of the main e-wallet transaction processor. The E-wallet aggregator system 1000 can be further understood to have the same functions, capabilities, database access, networking connections, and operating components as the electronic value token transaction computer 150 described herein, and in some embodiments, the electronic value token Coin transaction computer 150 and its associated components (eg, electronic value token transaction processing system 100 ) may serve as or replace E-wallet aggregator system 1000 . In one embodiment, the E-wallet aggregator system 1000 may be controlled, maintained, operated, owned and/or otherwise managed by one or more public entities that control, maintain, operate, own and/or otherwise Mode manages the electronic value token transaction computer 150, ie, the main electronic wallet transaction processor and the electronic sub-purse transaction processor share a common controller, maintainer, operator, owner and/or administrator. In one embodiment, the E-wallet aggregator system 1000 may be controlled, maintained, operated, owned and/or otherwise administered by one or more entities that are related to controlling, maintaining, operating, owned and/or otherwise The entity and/or entities managing the Electronic Value Token Transaction Computer 150 are independent, distinct and/or unrelated, i.e., the Master Electronic Wallet Transaction Processor and the Electronic Sub-Purse Transaction Processor do not share a common controller, maintainer, operating owner, owner and/or manager. As shown, when working with electronic sub-wallet transaction processing capacity, electronic value token transaction processing system 1100 includes: (a) electronic value token transaction computer 150; (b) E-wallet aggregator system interface 1052; ( c) data storage area 180, which includes electronic wallet unit 199, electronic wallet unit 199 stores electronic value tokens (for example, 804, 827, 828 and 829), such as account numbers, electronic wallet account information, value-added reward conditions (herein , "value-added reward" is synonymous with "value-added bonus", "value-added bonus award", "value-added bonus" and "value difference"), and other details related to adding, redeeming and managing electronic value tokens described in detail herein information; (d) at least one individual issuer authorization system 160; and (e) any other elements included in the system by the electronic value token transaction computer administrator 151. In one embodiment, the electronic value token transaction computer 150 includes a value addition determination unit 153, an E-wallet aggregator system interface 1052, a message modification unit 154, a reconciliation unit 155, an issuer system interface 156, an authorization unit 157, and a classification unit 198. E-Wallet Aggregator System Interface 1052 provides a means for Electronic Value Token Transaction Computer 150 to communicate with E-Wallet Aggregator System 1000 via, for example, the Internet, the Public Switched Telephone Network ("PSTN"), or a separate private network. Likewise, the electronic value token transaction computer 150 may communicate with the issuer's authorization system 160 through the issuer system interface 156 via, for example, the Internet, the public switched telephone network ("PSTN"), or a separate private network. Communications 116, 117 between the E-wallet aggregator system interface 1052 and the E-wallet aggregator system 1000 and communications 109, 110 between the issuer system interface 156 and the issuer's authorization system 160 may be encrypted to increase security and/or access to a virtual private network (“VPN”). Classification unit 198 may classify communications into various types for routing in various ways. For example, classification unit 198 may identify and classify sub-wallet requests (e.g., upon receipt of authorization information for a transaction request, classification unit 198 may route the requested transaction to a specific electronic sub-wallet maintained by the system and/or maintained in the One or more specific sections in the electronic sub-wallet), balance inquiry requests, registration requests, activation requests, redemption requests and management requests to be routed to the various units in Figure 2B. Electronic value token transaction computer 150 or classification unit 198 may also generate messages based on the request for similar routing.
在图2B中可以看出，在销售点装置111(通常位于卖主和/或赎回商家或零售商处，但备选地位于自助终端189处或用户家中或办公室处，在那里，个人计算机被配置成充当销售点，例如在在线交易期间)处，验证令牌由销售点解译单元101(例如，读卡器)来解译。销售点解译单元101可包括人、条形码扫描仪、磁条读取器、光符号识别装置、生物识别装置、数字键盘(例如，用于输入令牌识别号)或其它装置，该装置被配置成询问、解译、捕获或输入编码在验证令牌中或上的数据。As can be seen in FIG. 2B , at the point of sale device 111 (typically located at the vendor and/or redemption merchant or retailer, but alternatively at the kiosk 189 or at the user's home or office, the personal computer is Configured to act as a point of sale, such as during an online transaction), the verification token is interpreted by a point of sale interpreting unit 101 (eg, a card reader). The point-of-sale interpretation unit 101 may include a human, barcode scanner, magnetic stripe reader, optical symbol recognition device, biometric device, numeric keypad (e.g., for entering token identification numbers), or other device configured to To interrogate, interpret, capture or enter data encoded in or on a verification token.
大约与验证令牌的解译同时(或者备选地在之前或之后)，由销售点交易单元104发出电子钱包交易请求。销售点交易单元104可包括人、电子输入装置、寄存器或终端、计算机处理单元(“CPU”)、个人计算机、个人数字助理、智能手机或者对销售点解译单元101和/或销售点处理单元105解译的内容发送请求或消息的其它装置。在一些实施例中，由销售点解译单元101和销售点交易单元104执行的动作可由一个单元执行，该单元能够执行本来由诸如销售点寄存器/终端或个人计算机的单独的单元在基于网络的在线交易期间执行的两种动作。At about the same time as (or alternatively before or after) the interpretation of the verification token, an e-wallet transaction request is issued by the point-of-sale transaction unit 104 . The point-of-sale transaction unit 104 may include a human, electronic input device, register or terminal, computer processing unit ("CPU"), personal computer, personal digital assistant, smartphone or interpret the point-of-sale unit 101 and/or point-of-sale processing unit 105 interprets the content of sending requests or messages to other means. In some embodiments, the actions performed by the point-of-sale interpretation unit 101 and the point-of-sale transaction unit 104 may be performed by a single unit capable of performing actions that would otherwise be performed by a separate unit such as a point-of-sale register/terminal or a personal computer on a network-based Two types of actions performed during an online transaction.
销售点解译单元101和销售点交易单元104与销售点处理单元105通信。销售点处理单元105可包括CPU或行业认可使用的其它类型的处理装置。销售点解译单元101将验证信息102通信至销售点处理单元105。销售点交易单元104将对电子钱包交易的请求103通信至销售点处理单元105。销售点处理单元105可组合该信息以与E-钱包聚合器系统1000通信(例如，将请求电子钱包交易的消息与相关联的交易和/或验证数据一起发送)。在一个实施例中，销售点处理单元105存储和/或接收来自E-钱包聚合器系统1000(或与之相关联的子管理员或单元，例如子钱包管理员，例如电子价值代币交易计算机150)的交易格式，该格式与POS零售商相关联和/或与给定交易类型和/或价值代币相关联，并且这样的交易格式可用来格式化交易请求或消息，以提示用户另外的信息，或用于其它数据收集或在销售点处发送/接收特征。例如，在零售商处进行购买的用户操作读卡器。读卡器可以是具有输入装置和条形码阅读器或磁条扫描仪的显示器。读卡器可以是触敏的并可具有用于输入的各种按钮。在读卡器提示之后，用户看到“借记卡”、“信用卡”和“e钱包”的选项。用户选择“e钱包”。用户然后看到“购买”、“添加代币”和“删除代币”的选项。用户选择“购买”。在附加的提示(其在一个实施例中涉及针对销售点的特定零售商的交易格式)之后，用户输入PIN码。在一些实施例中，由销售点解译单元101、销售点交易单元104和销售点处理单元105执行的动作可以全部由一个单元(例如，诸如计算机化寄存器的集成的POS装置)来执行，该单元能够执行本来由单独的单元执行的所有动作。The point of sale interpretation unit 101 and the point of sale transaction unit 104 are in communication with the point of sale processing unit 105 . The point-of-sale processing unit 105 may include a CPU or other type of processing device approved for use in the industry. The point of sale interpretation unit 101 communicates the verification information 102 to the point of sale processing unit 105 . The point-of-sale transaction unit 104 communicates a request 103 for an electronic wallet transaction to the point-of-sale processing unit 105 . The point-of-sale processing unit 105 may combine this information to communicate with the E-wallet aggregator system 1000 (eg, send a message requesting an e-wallet transaction with associated transaction and/or verification data). In one embodiment, the point-of-sale processing unit 105 stores and/or receives information from the E-wallet aggregator system 1000 (or a sub-administrator or unit associated therewith, such as a sub-wallet manager, such as an electronic value token transaction computer) 150) of a transaction format associated with a POS retailer and/or associated with a given transaction type and/or value token, and such a transaction format may be used to format a transaction request or message to prompt the user for additional information, or for other data collection or sending/receiving characteristics at the point of sale. For example, a user making a purchase at a retailer operates a card reader. The card reader can be a display with an input device and a barcode reader or magnetic stripe scanner. The card reader may be touch sensitive and may have various buttons for input. After being prompted by the card reader, the user sees options for "debit card," "credit card," and "e-wallet." The user selects "e-wallet". The user then sees options to "Buy", "Add Token" and "Delete Token". The user selects "Buy". After an additional prompt, which in one embodiment relates to the retailer-specific transaction format for the point of sale, the user enters the PIN code. In some embodiments, the actions performed by point-of-sale interpretation unit 101, point-of-sale transaction unit 104, and point-of-sale processing unit 105 may all be performed by a single unit (e.g., an integrated POS device such as a computerized register) that A unit is capable of performing all actions that would otherwise be performed by a single unit.
销售点处理单元105可经由合适的网络(例如，因特网、公共交换电话网(PSTN)或独立的专用网络)连接到E-钱包聚合器系统1000。每个销售点处理单元105具有相关的标识符(例如，终端标识符或序列号)，其可以在将销售点处理单元105连接到E-钱包聚合器系统1000的过程中发送到E-钱包聚合器系统1000。每个销售点处理单元105可包括对应于各个终端的多个销售点交易单元，这些终端各自具有其自己的终端标识，例如存在于给定商店地点内。The point-of-sale processing unit 105 may be connected to the E-wallet aggregator system 1000 via a suitable network, such as the Internet, the public switched telephone network (PSTN), or a separate private network. Each point-of-sale processing unit 105 has an associated identifier (e.g., terminal identifier or serial number), which can be sent to the E-wallet aggregator during the process of connecting the point-of-sale processing unit 105 to the E-wallet aggregator system 1000 device system 1000. Each point-of-sale processing unit 105 may include a plurality of point-of-sale transaction units corresponding to respective terminals, each having its own terminal identification, eg, present within a given store location.
如图2B所示，E-钱包聚合器系统1000被配置成：(a)与零售商/商家和/或卖主(例如，经由销售点装置111)、电子价值代币交易计算机150和发行者的授权系统160形成安全连接；(b)与发行者的授权系统160通信以请求和接收价值代币的赎回或向电子钱包内的添加；(c)与发行者的授权系统160通信以赎回与电子钱包相关联的电子价值代币的全部或一部分；(d)与电子价值代币交易计算机150通信以方便关于位于由电子价值代币交易处理系统1100维护的电子子钱包中的价值代币的交易；(e)与零售商/商家和/或卖主通信(例如，经由POS单元111)价值代币的赎回或向电子钱包中的添加以及与价值代币的赎回或向电子钱包和/或子钱包中的添加相伴随的任何信息；以及(f)将交易不能完成的所有原因通信至零售商/商家和/或卖主(例如，经由POS单元111)。As shown in FIG. 2B , the E-wallet aggregator system 1000 is configured to: (a) communicate with retailers/merchants and/or vendors (e.g., via point-of-sale devices 111 ), electronic value token transaction computers 150, and issuers; Authorization system 160 forms a secure connection; (b) communicates with issuer's authorization system 160 to request and receive redemption of value tokens or addition to an electronic wallet; (c) communicates with issuer's authorization system 160 for redemption All or a portion of an electronic value token associated with an electronic wallet; (d) communicating with the electronic value token transaction computer 150 to facilitate information regarding the value token located in the electronic sub-wallet maintained by the electronic value token transaction processing system 1100 (e) communicating (e.g., via POS unit 111 ) the redemption or addition of Value Tokens to an e-wallet and the redemption of Value Tokens or addition to an e-wallet and and/or any information accompanying the addition in the sub-wallet; and (f) communicate all reasons why the transaction could not be completed to the retailer/merchant and/or vendor (eg, via POS unit 111).
电子价值代币交易计算机150可包括单个处理单元(例如，集中的服务器)、多个处理单元(例如，具有被分散且彼此通信的各种单元的分布式计算系统)、或它们的组合，其具有伴随的存储能力，每个存储能力能够或设计用于：访问数据存储区180；创建交易日志170；创建并维护错误日志175；与E-钱包聚合器系统1000通信；与单独的发行者的授权系统160通信；处理各个价值代币和电子钱包请求；处理赎回请求；处理增值功能以增加额外的现金价值或增加对于(多个)具体产品或服务的电子赎回优惠券；处理对于针对(多个)具体产品或服务的电子赎回优惠券的赎回请求；以及与能够且被授权与电子价值代币交易计算机150通信的其它系统190通信。Electronic value token transaction computer 150 may include a single processing unit (e.g., a centralized server), multiple processing units (e.g., a distributed computing system with various units dispersed and in communication with each other), or a combination thereof, which With accompanying storage capabilities, each storage capability is capable or designed to: access the data store 180; create a transaction log 170; create and maintain an error log 175; communicate with the E-wallet aggregator system 1000; Authorization system 160 communicates; handles individual value tokens and e-wallet requests; handles redemption requests; handles value-add features to add additional cash value or add electronic redemption coupons for specific product(s) or services; Redemption requests for electronic redemption coupon(s) for specific products or services; and communicating with other systems 190 capable and authorized to communicate with the electronic value token transaction computer 150.
数据存储区180保持与每个电子子钱包相关联的帐户的记录，该记录指示：(a)每个单独的价值代币是否已被添加或赎回，(b)用于各个价值代币的验证令牌是否已被注册；(c)每个单独的赎回请求的记录和细节，(d)电子价值代币上剩余的数额，(e)赎回电子价值代币所需的规则，(f)电子价值代币的发行者的身份标识，(g)增值奖金奖，(h)赎回增值奖金奖的规则，以及(i)它们的任何组合。数据存储区也可保持授予电子钱包或价值代币增值奖金奖所需的规则的记录。Data store 180 maintains a record of the account associated with each electronic sub-wallet indicating: (a) whether each individual value token has been added or redeemed, (b) the verify that the token has been registered; (c) the records and details of each individual redemption request, (d) the amount remaining on the Electronic Value Token, (e) the rules required to redeem the Electronic Value Token, ( f) the identity of the issuer of the Electronic Value Token, (g) the Value-Add Bonus Award, (h) the rules for redeeming the Value-Add Bonus Award, and (i) any combination thereof. The data store may also maintain records of the rules required to award wallet or value token accretion bonus prizes.
数据存储区180还保持与每个电子钱包和/或子钱包相关联的记录，该记录指示：(a)注册活动的时间和与之有关的其它信息；(b)管理活动的时间和与之有关的其它信息；(c)交易活动的时间和与之有关的其它信息；(d)适用的规则；(e)其中的电子价值代币的发行者的身份标识；(f)与之相关联的子钱包的身份标识；(g)发行者、商家、卖主、广告商、用户或其他利益相关方所请求的任何其它记录；以及(h)它们的任何组合。虽然示出单个数据存储区180，但是应当理解，可以采用多个数据存储区，并且相关数据以任何适当的方式分配在各数据存储区中以满足本文所述各种过程和目的。另外，各种数据可与一个或多个数据存储区相关联，所述一个或多个数据存储区紧密联接到和/或定位靠近与电子价值代币交易计算机150相关联的一个或多个子单元、子处理器、第三方处理器等，并且这样的数据存储区优选地具有由这样的子单元、子处理器和第三方处理器使用的数据。Data store 180 also maintains records associated with each e-wallet and/or sub-wallet indicating: (a) the time of registration activity and other information related thereto; (b) the time and other information related to administrative activity; Other relevant information; (c) the time of transaction activities and other information related thereto; (d) applicable rules; (e) the identity of the issuer of the electronic value token; (f) the associated (g) any other records requested by issuers, merchants, vendors, advertisers, users or other interested parties; and (h) any combination thereof. While a single data store 180 is shown, it should be understood that multiple data stores may be employed and related data distributed among the various data stores in any suitable manner to meet the various processes and purposes described herein. Additionally, various data may be associated with one or more data storage areas closely coupled to and/or located proximate to one or more subunits associated with electronic value token transaction computer 150 , sub-processors, third-party processors, etc., and such a data storage area preferably has data used by such sub-units, sub-processors and third-party processors.
电子价值代币交易计算机150还被配置成生成并维护涉及电子价值代币交易计算机150的所有活动的交易日志170。交易日志可包括交易类型的详细概述，例如：(a)所请求的价值代币增加；(b)所请求的价值代币销售；(c)所请求的价值代币赎回；(d)所请求的价值代币兑换；(e)归结于价值代币添加的金额；(f)归结于价值代币赎回的金额；(g)归结于价值代币兑换的货币值；(h)增值量、产品或服务增加；(i)增值量、产品或服务赎回；(j)电子价值代币添加的时间；(k)电子价值代币赎回的时间；(l)为添加价值代币而与发行者进行的交易或通信；(m)为赎回价值代币而与发行者进行的交易或通信；(n)响应于添加需要输入PIN以供使用的价值代币的请求而通信至卖主的PIN；(o)e钱包注册(p)e钱包建立活动；(q)e钱包交易活动；(r)e钱包储蓄活动；(s)e钱包管理活动；(t)电子价值代币交易计算机管理员151指示电子价值代币交易计算机150作为日志项保持的任何其它信息；以及(u)它们的任何组合。The electronic value token transaction computer 150 is also configured to generate and maintain a transaction log 170 of all activities involving the electronic value token transaction computer 150 . The Transaction Log may include a detailed overview of transaction types such as: (a) requested Value Token increase; (b) requested Value Token sale; (c) requested Value Token redemption; (d) requested Value Token redemption; Requested value token exchange; (e) amount due to value token addition; (f) amount due to value token redemption; (g) monetary value due to value token exchange; (h) value added , product or service increase; (i) value added, product or service redemption; (j) time of electronic value token addition; (k) time of electronic value token redemption; (l) time for adding value token Transactions or communications with issuers; (m) transactions or communications with issuers for redemption of Value Tokens; (n) communications to sellers in response to requests to add Value Tokens requiring PIN entry for use (o) e-wallet registration (p) e-wallet establishment activity; (q) e-wallet transaction activity; (r) e-wallet savings activity; (s) e-wallet management activity; (t) electronic value token transaction computer Any other information that Administrator 151 instructs Electronic Value Token Transaction Computer 150 to maintain as log entries; and (u) any combination thereof.
交易日志170中包含的信息可用于数据挖掘目的，例如，以生成对账报告、结算报告、支付报告、审计报告、e钱包注册报告、e钱包管理报告、e钱包使用报告、e钱包储蓄报告、电子价值代币购买报告、电子价值代币赎回报告、电子价值代币兑换报告、电子价值代币销售报告、或其它形式的信息聚合，以使电子价值代币交易管理员151、数据存储区管理员181、E-钱包聚合器系统1000(例如，用于通信至卖主或其它目的)、卖主、发行者、发行者的授权系统160、赎回商家或其他利益相关方受益、由其使用或为其提供。例如，交易日志170包含关于由电子价值代币交易计算机150(及其任何子部件)执行的每个交易的信息并且当对账帐户属于与卖主、商家、发行者相关联的各个E-钱包聚合器系统1000、以及不与E-钱包聚合器系统1000相关联的卖主、商家和发行者并且还有电子价值代币交易处理系统管理员151时可由对账单元155使用。可以记录、分析和/或提供给利益相关方(例如，卖主、商家、发行者、广告商等)的额外的数据挖掘考虑因素包括关于下列各项的数据：(i)e钱包用户的购买习惯；(ii)电子价值代币购买、销售、赎回和兑换；(iii)特卖和/或增值活动；(iv)与积分有关的活动；以及(v)与储蓄有关的活动，所有这些都可用于营销、库存和其它目的。The information contained in transaction log 170 may be used for data mining purposes, for example, to generate reconciliation reports, settlement reports, payment reports, audit reports, e-wallet registration reports, e-wallet management reports, e-wallet usage reports, e-wallet savings reports, e-value token purchase report, e-value token redemption report, e-value token exchange report, e-value token sale report, or other form of information aggregation to enable e-value token transaction administrator 151, data store Administrator 181, E-Wallet Aggregator System 1000 (e.g., for communication to Vendors or other purposes), Vendors, Issuers, Issuer's Authorization System 160, Redeeming Merchants, or other interested parties benefit from, are used by, or provide it. For example, the transaction log 170 contains information about each transaction performed by the electronic value token transaction computer 150 (and any subcomponents thereof) and when the reconciliation account belongs to the respective E-wallet aggregate associated with the seller, merchant, issuer The reconciliation unit 155 may be used by the reconciliation unit 155 when the E-Wallet aggregator system 1000 , and vendors, merchants, and issuers not associated with the E-wallet aggregator system 1000 and also the electronic value token transaction processing system administrator 151 . Additional data mining considerations that may be recorded, analyzed, and/or provided to interested parties (e.g., vendors, merchants, publishers, advertisers, etc.) include data on (i) purchasing habits of eWallet users ; (ii) purchases, sales, redemptions and exchanges of electronic value tokens; (iii) special sales and/or value-added events; (iv) points-related events; and (v) savings-related events, all of which are available for marketing, inventory and other purposes.
电子价值代币交易计算机的监管和维护由电子价值代币交易计算机管理员151执行。虽然不要求，但在备选实施例中，电子价值代币交易计算机管理员151也可充当数据存储区管理员181。电子价值代币交易计算机150被配置成生成并维护未完成的所有交易及其原因的错误日志。在一些实施例中，错误日志由电子价值代币交易计算机管理员151管理。The supervision and maintenance of the electronic value token transaction computer is performed by the electronic value token transaction computer administrator 151 . Although not required, in an alternative embodiment, the electronic value token transaction computer administrator 151 may also serve as the data store administrator 181 . Electronic value token transaction computer 150 is configured to generate and maintain an error log of all outstanding transactions and their reasons. In some embodiments, the error log is managed by the electronic value token transaction computer administrator 151 .
电子价值代币交易计算机150还被配置成与被授权访问电子价值代币交易处理系统且具体地被授权访问电子价值代币交易计算机150的其他实体190通信。这些其他实体可包括E-钱包聚合器系统1000、第三方支付管理系统、第三方审计系统、发行者关联实体、卖主关联实体、赎回商家或赎回商家关联实体、诸如银行、信用卡代理商或信用合作社的金融机构、或由电子价值代币交易计算机管理员151或有权准许访问的其他实体提供访问的任何其他实体。The electronic value token transaction computer 150 is also configured to communicate with other entities 190 authorized to access the electronic value token transaction processing system, and specifically the electronic value token transaction computer 150 . These other entities may include the E-wallet aggregator system 1000, third-party payment management systems, third-party audit systems, issuer-affiliated entities, vendor-affiliated entities, redemption merchants or redemption merchant-affiliated entities, such as banks, credit card agencies or A financial institution of a credit union, or any other entity to which access is provided by the Electronic Value Token Transaction Computer Administrator 151 or other entity authorized to grant access.
在一个实施例中，来自E-钱包聚合器系统1000的交易请求可包含下列各项信息中的一个或多个：(a)验证信息，(b)销售终端标识，(c)要贷记或借记的数额，(d)请求的时间，(e)请求的日期，(f)发行者的标识，(g)卖主的标识，(h)卖主的地点，(i)所购买的(多个)产品和/或(多个)服务的标识，(j)激活或禁用请求，(k)钱包管理功能，例如，价值代币的添加、价值代币的删除、价值代币的兑换、修改与一个或多个价值代币相关联的管理或处理规则、将钱包分隔成子钱包或将子钱包合并成钱包，等等，(l)和它们的任何组合。然而，包含在请求内的信息不限于枚举列表，而是可以包括除了所列举的项目之外或代替以上所列举的项目的其它项目。In one embodiment, a transaction request from the E-wallet aggregator system 1000 may contain one or more of the following: (a) verification information, (b) point-of-sale identification, (c) to be credited or Amount debited, (d) time of request, (e) date of request, (f) identification of issuer, (g) identification of seller, (h) location of seller, (i) purchased (multiple ) identification of the product and/or service(s), (j) activation or deactivation requests, (k) wallet management functions such as addition of Value Tokens, deletion of Value Tokens, exchange of Value Tokens, modification and Governance or processing rules associated with one or more Value Tokens, segregation of wallets into sub-wallets or consolidation of sub-wallets into wallets, etc., (l) and any combination thereof. However, the information contained within the request is not limited to the enumerated list, but may include other items in addition to or instead of the items listed above.
在收到来自E-钱包聚合器系统1000的电子钱包交易请求以及由分类单元198进行这样的识别和分类之后，电子价值代币交易计算机150访问数据存储区180的电子钱包单元。电子价值代币交易计算机150处理包含在数据存储区180中的信息并且与单独的发行者的授权系统160通信109、110以实现电子价值代币和对应帐户的管理。消息修改单元可以调整消息和请求，以使得多个单元、子部件/处理器或第三方管理员可以识别和正确地解译消息。例如，在电子价值代币交易计算机150确定与请求相关联的单独的发行者的授权系统160之后，消息修改单元154访问数据库180以确定每个单独的发行者的授权系统160的合适的交易消息格式，然后使用单独的发行者的授权系统160指定的/优选的交易格式和词汇格式化向所述单独的发行者的授权系统160的后续通信。电子价值代币交易计算机150也可将合适的消息发送格式信息例如模板提供给E-钱包聚合器系统1000，以方便该系统对与请求有关的信息的处理。电子价值代币交易计算机150与单独的发行者的授权系统160的通信可以同时发生或独立发生。电子价值代币交易计算机150可经由合适的网络(例如，PSTN、因特网或独立的专用网络)连接到单独的发行者的授权系统。电子价值代币交易计算机150被配置成发送和/或从发行者的授权系统160接收关于电子价值代币的状态的通信110。Upon receipt of an e-wallet transaction request from the E-wallet aggregator system 1000 and such identification and classification by the classification unit 198 , the electronic value token transaction computer 150 accesses the e-wallet unit of the data store 180 . The electronic value token transaction computer 150 processes the information contained in the data store 180 and communicates 109, 110 with the individual issuer's authorization system 160 to effectuate the management of the electronic value token and corresponding accounts. A message modification unit can adapt messages and requests so that multiple units, subcomponents/processors or third party administrators can recognize and correctly interpret the message. For example, after electronic value token transaction computer 150 determines the individual issuer's authorization systems 160 associated with the request, message modification unit 154 accesses database 180 to determine the appropriate transaction message for each individual issuer's authorization system 160 format, subsequent communications to the individual issuer's authorization system 160 are then formatted using the individual issuer's authorization system 160 specified/preferred transaction format and vocabulary. Electronic value token transaction computer 150 may also provide appropriate messaging format information, such as templates, to E-wallet aggregator system 1000 to facilitate the system's processing of information related to the request. Communication of the electronic value token transaction computer 150 with the individual issuer's authorization systems 160 may occur concurrently or independently. Electronic value token transaction computer 150 may be connected to an individual issuer's authorization system via a suitable network (eg, PSTN, Internet, or a separate private network). The electronic value token transaction computer 150 is configured to send and/or receive communications 110 from the issuer's authorization system 160 regarding the status of the electronic value token.
对账单元155对各个发行者、销售卖主和/或赎回商家的帐户进行对账，以用各种交易的价值贷记和借记合适的商家、卖主、电子价值代币交易处理系统管理员和发行者，从而反映哪个实体从哪个其他实体接收价值。例如，如果卖主A销售由发行者B发行的指定金额的价值代币并且从用户(其将电子价值代币添加至用户的电子钱包)接收支付，销售卖主接收购买金额和/或预定金额的百分比(例如，保留百分比)，E-钱包聚合器系统1000和/或电子价值代币系统管理员接收购买金额和/或预定金额的百分比以处理交易，并且发行者接收余额。如果由发行者Y发行的价值代币在商家X处被赎回以购买项目，那么赎回的量被借记到发行者Y且贷记到商家X，有时减去由发行者收取的交易费和/或由电子价值代币交易处理系统管理员收取的交易或手续费。The reconciliation unit 155 reconciles the accounts of the various issuers, selling vendors, and/or redeeming merchants to credit and debit the appropriate merchant, vendor, electronic value token transaction processing system administrator with the value of each transaction and Issuer, thereby reflecting which entity receives value from which other entity. For example, if Vendor A sells a specified amount of Value Tokens issued by Issuer B and receives payment from a User (who adds an electronic Value Token to the User's e-Wallet), the Selling Vendor receives a percentage of the purchase amount and/or a predetermined amount (e.g., reserve percentage), the E-wallet aggregator system 1000 and/or electronic value token system administrator receives a percentage of the purchase amount and/or predetermined amount to process the transaction, and the issuer receives the balance. If a value token issued by Issuer Y is redeemed at Merchant X to purchase an item, the redeemed amount is debited to Issuer Y and credited to Merchant X, sometimes less a transaction fee charged by the Issuer and/or transaction or handling fees charged by the electronic value token transaction processing system administrator.
当电子价值代币交易计算机150也是授权系统时，使用授权单元157，使得电子价值代币交易计算机150授权电子子钱包请求而不是将请求发送至发行者的授权系统160以便授权。授权单元157可以执行与针对授权系统160描述的相同和/或不同的功能，反之亦然。When the electronic value token transaction computer 150 is also an authorization system, the authorization unit 157 is used such that the electronic value token transaction computer 150 authorizes the electronic sub-wallet request instead of sending the request to the issuer's authorization system 160 for authorization. Authorization unit 157 may perform the same and/or different functions as described for authorization system 160, and vice versa.
授权单元157将验证从E-钱包聚合器系统1000接收的钱包(例如，主钱包或子钱包)的交易请求的格式。换言之，授权单元157将检查请求中的数据字段以确认所述字段被填入数据并且数据具有正确格式(例如，长度、字母数字格式)。如果请求格式不正确，授权单元157将拒绝请求，或者在一些实施例中可能检索正确的格式(例如，从格式数据库中)并修改交易请求以符合正确格式。授权单元157还对交易请求执行各种验证检查。授权单元157基于对若干标准的分析验证与卡有关的交易信息，例如：1)确定电子价值代币交易处理系统1100的数据存储区180(或其它数据存储区，例如发行者的数据库)中存在产品的UPC代码；2)确定所请求的交易的价值量对应于顾客对主题交易请求的支付，例如，UPC信息是否将卡标识为$25.00卡并且对应的交易请求包括顾客的$25.00支付；3)确定UPC信息将卡标识为可由请求的商家处理的类型的卡；以及4)确定识别卡发行者的卡的银行识别号码(“BIN”)(即，卡的识别号码的前六位)对应于识别卡发行者的UPC信息。The authorization unit 157 will verify the format of the transaction request for the wallet (eg, master wallet or sub-wallet) received from the E-wallet aggregator system 1000 . In other words, the authorization unit 157 will check the data fields in the request to confirm that the fields are populated with data and that the data is in the correct format (eg, length, alphanumeric format). If the request format is incorrect, authorization unit 157 will either reject the request, or in some embodiments may retrieve the correct format (eg, from a formats database) and modify the transaction request to conform to the correct format. The authorization unit 157 also performs various validation checks on the transaction request. Authorization unit 157 verifies card-related transaction information based on analysis of several criteria, such as: 1) determining that the electronic value token transaction processing system 1100 has data storage area 180 (or other data storage area, such as an issuer's database). UPC code of the product; 2) determine that the value amount of the requested transaction corresponds to payment by the customer for the subject transaction request, e.g., whether the UPC information identifies the card as a $25.00 card and the corresponding transaction request includes a $25.00 payment by the customer; 3) determine the UPC information identifying the card as a type of card that can be processed by the requesting merchant; and 4) determining that the bank identification number ("BIN") of the card that identifies the issuer of the card (i.e., the first six digits of the card's identification number) corresponds to the card that identifies the issuer of the card Issuer's UPC information.
授权单元157也可基于诸如交易速度(单位时间的次数/数额)的其它标准验证交易。例如，如果卡处理器担心多个无效交易是欺诈活动的表现，那么卡处理器可以要求电子价值代币交易处理系统1100监测请求的无效交易的次数并从终端拒绝超出预选的单位时间无效交易金额的交易。最后，授权单元157可被配置成在由授权单元157接收的信息无法理解的情况下拒绝交易请求。The authorization unit 157 may also verify transactions based on other criteria such as transaction speed (number of times/amount per unit time). For example, if the card processor is concerned that multiple invalid transactions are indicative of fraudulent activity, the card processor may ask the electronic value token transaction processing system 1100 to monitor the number of invalid transactions requested and reject invalid transactions from the terminal beyond a preselected amount per unit of time. transaction. Finally, the authorization unit 157 may be configured to reject the transaction request if the information received by the authorization unit 157 is not understandable.
如果请求具有正确的格式并且如上所述那样被验证，电子价值代币交易计算机150可以将交易的细节而不是授权请求发送至发行者的授权系统。另外，在一些实施例中，发行者、授权系统(例如，授权单元157)和交易计算机是相同实体的一部分，并且在这样的实施例中，将不存在发行者的授权系统160，或者发行者的授权系统160将处于与电子价值代币交易计算机150的其它单元(例如，共同拥有和操作的计算系统，其可以是集中的(例如，集中的数据中心的一部分)和/或分布在共同拥有或控制的系统或网络内)共同的控制之下。而且，应当指出，虽然与电子价值代币交易计算机150相关联的单元(例如，单元152-157)出于举例说明和概念性目的而示出为单个数据处理系统内的各个单元，但是单元152-157中的一个或多个可以在分布式数据处理环境中的单独的计算机、系统或服务器上实施。If the request is in the correct format and validated as described above, the electronic value token transaction computer 150 may send details of the transaction instead of the authorization request to the issuer's authorization system. Additionally, in some embodiments, the issuer, authorization system (e.g., authorization unit 157), and transaction computer are part of the same entity, and in such embodiments, there will be no issuer's authorization system 160, or issuer's The authorization system 160 will reside with other elements of the electronic value token transaction computer 150 (e.g., a commonly owned and operated computing system, which may be centralized (e.g., part of a centralized data center) and/or distributed in a commonly owned or controlled systems or networks) under common control. Also, it should be noted that while the units associated with electronic value token transaction computer 150 (e.g., units 152-157) are shown as individual units within a single data processing system for illustrative and conceptual purposes, unit 152 - One or more of 157 may be implemented on separate computers, systems or servers in a distributed data processing environment.
图4B描绘了根据e钱包交易实施例的由电子价值代币交易计算机150使用以有利于使用电子钱包进行购买的示例性过程，该e钱包交易包括由第三方电子价值代币交易计算机维护的电子子钱包，该第三方电子价值代币交易计算机将子钱包作为与诸如E-钱包聚合器系统1000的主e钱包系统提供者的关系一部分进行维护。这样的实施例可由e钱包交易处理请求例示，该请求由E-钱包聚合器系统1000初始接收并且部分地由电子价值代币计算机150执行。所描绘的动作可以所示次序或以不同次序执行，并且动作中的两个或更多个可并行执行。FIG. 4B depicts an exemplary process used by the electronic value token transaction computer 150 to facilitate purchases using the electronic wallet according to an embodiment of an e-wallet transaction that includes an electronic wallet maintained by a third-party electronic value token transaction computer. A sub-wallet, the third-party electronic value token transaction computer maintains a sub-wallet as part of a relationship with a master e-wallet system provider such as the E-wallet aggregator system 1000. Such an embodiment may be exemplified by an e-wallet transaction processing request initially received by the E-wallet aggregator system 1000 and executed in part by the electronic token of value computer 150 . The depicted actions may be performed in the order shown or in a different order, and two or more of the actions may be performed in parallel.
在框301中，E-钱包聚合器系统1000从销售点111接收一个或多个请求。在至少一个实施例中，请求可包括电子钱包交易请求、余额查询请求、注册请求、激活请求、或赎回请求、钱包管理请求，并且包含下列中的一个或多个：(a)终端的身份标识，(b)验证信息，(c)购买的数额，(d)电子价值代币发行者的身份标识，(e)卖主的身份标识，(f)地点的身份标识，(g)请求的时间，(h)请求的日期，(i)将请求明确标识为e钱包交易请求的信息(例如，交易类型数据)；(j)标识主e钱包、(多个)子钱包、或它们的组合的信息；(k)本文所述的任何其它交易和/或验证数据；以及(l)它们的任何组合。在框301处的请求可包括例如本文所述类型的、除以上列举的项目之外或代替以上列举的项目的其它信息、请求或功能。在至少一个实施例中，验证信息基于选自代理卡和蜂窝电话的验证令牌。In block 301 , the E-wallet aggregator system 1000 receives one or more requests from the point of sale 111 . In at least one embodiment, the request may include an electronic wallet transaction request, balance query request, registration request, activation request, or redemption request, wallet management request, and include one or more of the following: (a) the identity of the terminal Identification, (b) authentication information, (c) amount purchased, (d) identity of e-value token issuer, (e) identity of seller, (f) identity of location, (g) time of request , (h) the date of the request, (i) information that clearly identifies the request as an e-wallet transaction request (e.g., transaction type data); (j) identification of the master e-wallet, sub-wallet(s), or a combination thereof information; (k) any other transaction and/or verification data described herein; and (l) any combination thereof. The request at block 301 may include, for example, other information, requests, or functions of the type described herein in addition to or instead of the items listed above. In at least one embodiment, the authentication information is based on an authentication token selected from a proxy card and a cell phone.
继续框301的过程，E-钱包聚合器系统1000可以确定所请求的e钱包交易的一部分可通过E-钱包聚合器系统1000处理，而所请求的e钱包交易的另一部分涉及由第三方管理员(例如，电子价值代币交易计算机150)维护的子钱包。如果由E-钱包聚合器系统1000接收的电子钱包交易请求信息表明交易请求将需要/涉及由第三方管理员的系统维护的子钱包以充分实现对交易请求的响应，并且适用于由E-钱包聚合器系统1000维护的相关的主e钱包的规则如此规定，那么E-钱包聚合器系统1000处理初始请求，生成新请求，生成子请求或修改初始请求以发送至与主电子钱包相关联地维护的子钱包，例如，主电子钱包将初始请求、新请求、子请求或修改后的初始请求发送至电子价值代币交易计算机150，电子价值代币交易计算机150维护所指示的子钱包。在处理初始请求、生成新请求、生成子请求或修改初始请求以发送至子钱包的过程中，E-钱包聚合器系统1000可以：(i)将其自己的逻辑应用到e钱包交易请求；(ii)应用存储在主钱包中的规则(例如，由主e钱包提供者、主e钱包用户、或它们的组合制定的规则)；(iii)应用通过交易请求从销售点111接收的规则(例如，由主电子钱包和/或电子子钱包的用户随请求同时提交的规则)；(iv)或它们的任何组合。Continuing with the process of block 301, the E-wallet aggregator system 1000 may determine that a portion of the requested e-wallet transactions can be processed by the E-wallet aggregator system 1000, while another portion of the requested e-wallet transactions involve processing by a third-party administrator. A sub-wallet maintained by (eg, electronic value token transaction computer 150). If the electronic wallet transaction request information received by the E-wallet aggregator system 1000 indicates that the transaction request will require/involve a sub-wallet maintained by the third-party administrator's system to The rules of the associated master e-wallet maintained by the aggregator system 1000 are so specified, then the E-wallet aggregator system 1000 processes the initial request, generates a new request, generates a sub-request or modifies the original request to send to the maintained e-wallet associated with the master e-wallet. For example, the master e-wallet sends an initial request, a new request, a sub-request, or a modified initial request to the electronic value token transaction computer 150, and the electronic value token transaction computer 150 maintains the indicated sub-wallet. In the process of processing an initial request, generating a new request, generating a sub-request, or modifying an initial request to send to a sub-wallet, the E-wallet aggregator system 1000 may: (i) apply its own logic to the e-wallet transaction request;( ii) apply rules stored in the master wallet (e.g., rules made by the master e-wallet provider, master e-wallet user, or a combination thereof); (iii) apply rules received from the point of sale 111 via the transaction request (e.g., , rules submitted by users of the main e-wallet and/or e-sub-wallets concurrently with the request); (iv) or any combination thereof.
在框303中，电子价值代币交易计算机150从E-钱包聚合器系统1000接收一个或多个请求。在至少一个实施例中，请求可包括电子子钱包请求、余额查询请求、注册请求、激活请求、或赎回请求、子钱包管理请求，并且包含下列中的一个或多个：(a)终端的身份标识，(b)验证信息，(c)购买的数额，(d)电子价值代币发行者的身份标识，(e)卖主的身份标识，(f)地点的身份标识，(g)请求的时间，(h)请求的日期，(i)将请求明确标识为e钱包交易请求的信息(例如，交易类型数据)；(j)标识主e钱包、(多个)子钱包、或它们的组合的信息；(k)本文所述的任何其它交易和/或验证数据；以及(l)它们的任何组合。在框303处的请求可包括例如本文所述类型的、除以上列举的项目之外或代替以上列举的项目的其它信息、请求或功能。在至少一个实施例中，验证信息基于选自代理卡和蜂窝电话的验证令牌。利用代理卡和/或蜂窝电话的身份标识，嵌入的交易可以被正确格式化以与主题交易请求的相关电子价值代币发行者通信。In block 303 , the electronic value token transaction computer 150 receives one or more requests from the E-wallet aggregator system 1000 . In at least one embodiment, the request may include an electronic sub-wallet request, a balance query request, a registration request, an activation request, or a redemption request, a sub-wallet management request, and include one or more of the following: (a) the terminal's Identification, (b) authentication information, (c) amount purchased, (d) identification of electronic value token issuer, (e) identification of seller, (f) identification of location, (g) requested Time, (h) the date of the request, (i) information that clearly identifies the request as an e-wallet transaction request (e.g., transaction type data); (j) identifies the master e-wallet, sub-wallet(s), or a combination thereof (k) any other transaction and/or verification data described herein; and (l) any combination thereof. The request at block 303 may include, for example, other information, requests, or functions of the type described herein in addition to or instead of the items listed above. In at least one embodiment, the authentication information is based on an authentication token selected from a proxy card and a cell phone. Utilizing the identity of the proxy card and/or cell phone, the embedded transaction can be properly formatted for communication with the associated electronic value token issuer of the subject transaction request.
利用从与交易请求相关的E-钱包聚合器系统1000和从得自数据存储区180的信息接收的信息，在框304中，电子价值代币交易计算机150确定请求是否为包含有效验证信息的电子子钱包请求以及请求是否用于(多个)价值代币的赎回、(多个)价值代币的添加、(多个)价值代币的删除或电子子钱包的其它管理。电子子钱包请求可包括作为验证信息一部分的银行识别号码(“BIN”)。分类单元可以对BIN号码解码或以其它方式确认请求为关于位于所指示的子钱包中的电子价值代币的电子子钱包请求。Using information received from the E-wallet aggregator system 1000 associated with the transaction request and from information obtained from the data store 180, in block 304, the electronic value token transaction computer 150 determines whether the request is an electronic wallet containing valid authentication information. The sub-wallet request and whether the request is for redemption of value token(s), addition of value token(s), deletion of value token(s), or other management of the electronic sub-wallet. The electronic sub-wallet request may include a Bank Identification Number ("BIN") as part of the authentication information. The classification unit may decode the BIN number or otherwise validate the request as an electronic sub-wallet request for an electronic token of value located in the indicated sub-wallet.
利用从E-钱包聚合器系统1000和/或从得自数据存储区180的信息接收的包含在电子钱包交易内的信息，在框324中，电子价值代币交易计算机150识别/确定(多个)子钱包和/或所指出的/所需的所述(多个)子钱包的地点，以实现所接收的e钱包交易请求。如果接收的授权信息表明所请求的e钱包交易涉及由电子价值代币交易计算机150维护的子钱包，那么电子价值代币交易计算机150可以：(i)将其自己的逻辑应用到请求；(ii)应用存储在子钱包中的规则(例如，由电子价值代币交易处理系统管理员、子钱包用户、或它们的组合建立的规则)；(iii)应用存储在子-子钱包中的规则(例如，由电子价值代币交易处理系统管理员、子-子钱包用户、或它们的组合建立的规则)；(iv)应用随请求从销售点111接收的规则(例如，由主e钱包/子钱包的用户随请求同时提交的规则)；(v)或它们的任何组合。Utilizing the information contained within the e-wallet transaction received from the E-wallet aggregator system 1000 and/or from information obtained from the data store 180, in block 324 the electronic value token transaction computer 150 identifies/determines (multiple ) sub-wallets and/or the indicated/required locations of the (multiple) sub-wallets to implement the received e-wallet transaction request. If the received authorization information indicates that the requested e-wallet transaction involves a sub-wallet maintained by the electronic value token transaction computer 150, then the electronic value token transaction computer 150 may: (i) apply its own logic to the request; (ii) ) applying rules stored in the sub-wallet (e.g., rules established by e-value token transaction processing system administrators, sub-wallet users, or combinations thereof); (iii) applying rules stored in sub-sub-wallets ( For example, rules established by e-value token transaction processing system administrators, sub-sub-wallet users, or a combination thereof); (iv) apply rules received with the request from the point of sale 111 (e.g., by the master e-wallet/sub-wallet rules submitted by the user of the wallet concurrently with the request); (v) or any combination thereof.
例如，一个实施例可包括确定从E-钱包聚合器系统1000接收的整个请求与包含在单个子钱包中的价值代币有关的电子价值代币交易计算机150。在接收请求之后，电子价值代币交易计算机150将查询其授权单元157(如本文更全面描述的)、其数据存储区180、e钱包单元199和任何其它必要的单元，以确定子钱包是否包括能够满足主题请求的价值代币(例如，子钱包是否包含与和所请求的交易有关的卖主、商家和/或发行者相关联的价值代币)。这种确定可通过比较电子价值代币标识、用户ID、请求的交易类型来进行。电子价值代币交易计算机150将随后评价对应于该请求的子钱包中可用的电子价值代币将按照子钱包的规则和/或随请求接收的规则应用的方式，并且执行或拒绝执行所请求的交易和/或多个交易。For example, one embodiment may include the electronic value token exchange computer 150 determining that the entire request received from the E-wallet aggregator system 1000 relates to value tokens contained in a single sub-wallet. After receiving the request, the electronic value token transaction computer 150 will query its authorization unit 157 (as described more fully herein), its data storage area 180, e-wallet unit 199, and any other necessary units to determine whether the sub-wallet includes Value tokens that can satisfy the subject's request (eg, whether the sub-wallet contains value tokens associated with the vendor, merchant, and/or issuer associated with the requested transaction). This determination can be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token transaction computer 150 will then evaluate the manner in which the electronic value tokens available in the sub-wallet corresponding to the request will be applied in accordance with the sub-wallet's rules and/or rules received with the request, and execute or refuse to execute the requested transaction and/or multiple transactions.
另一个实施例可包括确定从E-钱包聚合器系统1000接收的整个请求与包含在子-子钱包中的价值代币有关的电子价值代币交易计算机150。在接收请求之后，电子价值代币交易计算机150将查询其授权单元157(如本文更全面描述的)、其数据存储区180、e钱包单元199和任何其它必要的单元，以确定子-子钱包是否包括能够满足主题请求的价值代币(例如，子-子钱包是否包含与和所请求的交易有关的卖主、商家和/或发行者相关联的价值代币)。这种确定可通过比较电子价值代币标识、用户ID、请求的交易类型来进行。电子价值代币交易计算机150将随后评价对应于该请求的子-子钱包中可用的电子价值代币将按照子-子钱包的规则和/或随请求接收的规则应用的方式，并且执行或拒绝执行所请求的交易和/或多个交易。Another embodiment may include the electronic value token transaction computer 150 determining that the entire request received from the E-wallet aggregator system 1000 relates to value tokens contained in a sub-sub-wallet. After receiving the request, the electronic value token transaction computer 150 will query its authorization unit 157 (as described more fully herein), its data store 180, e-wallet unit 199 and any other necessary units to determine the sub-sub-wallet Whether to include value tokens that would satisfy the subject's request (eg, whether the sub-sub-wallet contains value tokens associated with the vendor, merchant, and/or issuer associated with the requested transaction). This determination can be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token transaction computer 150 will then evaluate the manner in which the electronic value tokens available in the sub-sub-wallet corresponding to the request will be applied in accordance with the rules of the sub-sub-wallet and/or rules received with the request, and either execute or reject Executes the requested transaction and/or transactions.
在另一示例中，一个实施例可包括电子价值代币交易计算机150，其确定从E-钱包聚合器系统1000接收的请求的一部分与位于子钱包中的电子价值代币有关，而请求的另一个部分与位于子-子钱包中的电子价值代币有关。这种确定可通过评价所请求的交易类型、电子价值代币标识、或用于确定交易分配的任何其它方法来进行。电子价值代币交易计算机150将评价对应于该请求的子钱包中可用的电子价值代币将按照子钱包的规则(因为这些规则可以影响位于子钱包中的将采用的支付方法)应用的方式，电子价值代币交易计算机150将评价对应于该请求的任何适用的子-子钱包中可用的电子价值代币将按照此类子-子钱包的规则和/或随请求接收的规则应用的方式，并且执行或拒绝执行所请求的交易和/或多个交易。In another example, an embodiment may include an electronic token of value transaction computer 150 that determines that a portion of requests received from the E-wallet aggregator system 1000 pertain to electronic tokens of value located in sub-wallets, while another portion of the request One section pertains to electronic tokens of value located in sub-sub-wallets. This determination may be made by evaluating the requested transaction type, electronic value token identification, or any other method for determining transaction allocation. The electronic value token transaction computer 150 will evaluate the manner in which the electronic value tokens available in the sub-wallet corresponding to the request will be applied in accordance with the rules of the sub-wallet (as these rules may affect the payment method to be employed located in the sub-wallet), Electronic Value Token Transaction Computer 150 will evaluate the manner in which Electronic Value Tokens available in any applicable sub-sub-wallet corresponding to the request will apply in accordance with the rules of such sub-sub-wallet and/or the rules received with the request, and executing or refusing to execute the requested transaction and/or transactions.
在一个示例性实施例中，在框324处，电子价值代币交易计算机150可以响应于接收的交易请求识别子钱包中的一个或多个价值代币和子-子钱包中的一个或多个电子价值代币，这些价值代币在一起使用时将足以支付全部所请求的e钱包交易。此外，位于子钱包或子钱包中的电子价值代币中的一个可以是忠诚卡的电子表示，并且位于所述忠诚卡价值代币的相同或不同地点的另一个电子价值代币可以是零售商的礼品卡的电子表示。在这样的示例中，电子价值代币交易计算机150可以实现同时使用“忠诚卡”代币和“零售商的礼品卡”代币，而不论代币在子钱包和/或(多个)子-子钱包中的地点如何，以允许相比不同时将“零售商的礼品卡”代币和“忠诚卡”代币的价值应用于交易所增加的用户益处，例如，在“零售商的礼品卡”代币的价值或应用于“忠诚卡”代币以用于“零售商的礼品卡”代币的积分点奖金中5％的增加。In an exemplary embodiment, at block 324, the electronic value token transaction computer 150 may identify one or more value tokens in the sub-wallet and one or more electronic value tokens in the sub-sub-wallet in response to the received transaction request. Tokens of value which, when used together, will be sufficient to pay for the entire requested e-wallet transaction. Additionally, one of the electronic value tokens located in or in a sub-wallet may be an electronic representation of a loyalty card, and the other electronic value token located in the same or a different location of the loyalty card value token may be a retailer Electronic representation of a gift card. In such an example, the electronic value token transaction computer 150 may enable simultaneous use of the "loyalty card" token and the "retailer's gift card" token regardless of whether the token is in the sub-wallet and/or sub- How is the location in the sub-wallet to allow increased user benefits compared to not applying the value of both the “Retailer’s Gift Card” token and the “Loyalty Card” token to the exchange, for example, in the “Retailer’s Gift Card” 5% increase in the value of the token or in bonus points applied to the “loyalty card” token for the “retailer’s gift card” token.
电子价值代币可与闭环帐户或开环帐户相关联。闭环帐户通常在帐户中的资金用完之后过期，例如礼品卡帐户。开环帐户通常不过期。相反，可能存在各个实体贷记和借记帐户的持续的义务，例如，诸如Visa或Mastercard的有品牌的信用卡帐户或借记卡帐户。闭环帐户常常直接与零售商相关联，而开环帐户常常与金融机构相关联(例如，Chase或Citi发行的Visa)。在至少一个实施例中，电子价值代币包括闭环帐号和开环帐号。闭环帐号与能够借记或贷记与该闭环帐号相关联的闭环帐户的零售商相关联。开环帐号与能够借记或贷记与该开环帐号相关联的开环帐户的金融机构相关联。电子价值代币可具有不同于任何其它价值代币的过期日期或规定的使用日期。而且，电子价值代币可以识别可以使用电子价值代币的具体商家、地点、和/或产品。Electronic value tokens can be associated with closed loop accounts or open loop accounts. Closed-loop accounts typically expire after the funds in the account are depleted, such as gift card accounts. Open loop accounts usually do not expire. Instead, there may be an ongoing obligation for each entity to credit and debit accounts, eg, branded credit or debit card accounts such as Visa or Mastercard. Closed loop accounts are often directly associated with retailers, while open loop accounts are often associated with financial institutions (eg, Visa issued by Chase or Citi). In at least one embodiment, the electronic value token includes a closed-loop account number and an open-loop account number. A closed loop account number is associated with a retailer that can debit or credit a closed loop account associated with the closed loop account number. An open loop account number is associated with a financial institution capable of debiting or crediting an open loop account associated with the open loop account number. An electronic value token may have an expiration date or a stated use date that is different from any other value token. Also, the electronic value token may identify a specific merchant, location, and/or product where the electronic value token may be used.
如果请求是针对电子价值代币添加，那么在框306中，电子子钱包被创建(如果尚未创建)并且电子价值代币被添加到电子子钱包。以下表格包括e钱包交易通信中包括的且由电子价值代币交易计算机150使用以有利于和实现作为正由主e钱包交易处理系统(例如，E-钱包聚合器系统1000)处理的一致的主e钱包交易的一部分的电子子钱包交易的要素、参数和信息。If the request is for an electronic value token addition, then in block 306 an electronic sub-wallet is created (if not already created) and the electronic value token is added to the electronic sub-wallet. The following tables include those included in the e-wallet transaction communication and are used by the electronic value token transaction computer 150 to facilitate and implement as consistent master Elements, parameters and information of an electronic sub-wallet transaction that is part of an e-wallet transaction.
表8A示出在至少一个实施例中为了创建子钱包而请求的请求参数。表8B示出在至少一个实施例中为了创建子钱包而请求的响应参数。Table 8A shows the request parameters requested to create a sub-wallet in at least one embodiment. Table 8B shows the response parameters requested to create a sub-wallet in at least one embodiment.
表8ATable 8A
请求参数request parameters
表8BTable 8B
响应参数response parameters
电子价值代币交易计算机150优选地为电子子钱包和(多个)价值代币分配存储器并且通过将信息片段存储在数据存储区180上的数据结构中而将帐号与电子子钱包和/或存储在电子钱包单元199中的验证信息相关联。表9示出在至少一个实施例中用于礼品卡价值代币的参数。The electronic value token transaction computer 150 preferably allocates memory for the electronic sub-wallet and the value token(s) and associates the account number with the electronic sub-wallet and/or store The authentication information in the electronic purse unit 199 is associated. Table 9 shows parameters for gift card value tokens in at least one embodiment.
表9Table 9
表10示出在备选实施例中用于礼品卡电子价值代币的更详细的参数，包括相关的(多个)子钱包和/或(多个)子-子钱包的名称。Table 10 shows more detailed parameters for gift card electronic value tokens in an alternative embodiment, including the name of the associated sub-wallet(s) and/or sub-sub-wallet(s).
表10Table 10
然而，请求可以由于与添加代币决策无关的其它原因而被修改并且作为对账过程的一部分转发给发行者的授权系统160中合适的一个，例如，请求可能涉及赎回、删除、重新加载值、增加值、余额查询或它们的组合，其中每一个将被通信至发行者的授权系统160以进行对账。However, the request may be amended for other reasons unrelated to the add token decision and forwarded to the appropriate one of the issuer's authorization systems 160 as part of the reconciliation process, for example, the request may involve redemption, deletion, reloading of value , add value, balance inquiry, or a combination thereof, each of which will be communicated to the issuer's authorization system 160 for reconciliation.
表11示出用于验证通信的格式。Table 11 shows the format used for authentication communication.
表11Table 11
每个请求使用签名验证，用户使用用户名/密码或open id验证，会话使用用户令牌验证。顾客端可以发送client_ref_id、timestamp、nonce、encryption_type、channel、user_ip、signature、可选地usertoken，其中每个请求能够验证每个消息。Each request is authenticated using a signature, the user is authenticated using a username/password or open id, and the session is authenticated using a user token. The client can send client_ref_id, timestamp, nonce, encryption_type, channel, user_ip, signature, and optionally usertoken, where each request can authenticate each message.
表12示出用来检索用户的钱包的参数。Table 12 shows the parameters used to retrieve the user's wallet.
表12Table 12
表13A示出用来从子钱包中的代币赎回价值的请求参数。Table 13A shows the request parameters used to redeem value from tokens in the sub-wallet.
表13ATable 13A
请求参数request parameters
表13B示出用来从子钱包中的代币赎回价值的响应参数。Table 13B shows the response parameters used to redeem value from tokens in the sub-wallet.
表13BTable 13B
响应参数response parameter
表14A示出用来将价值代币载入子钱包中的请求参数。Table 14A shows the request parameters used to load value tokens into a sub-wallet.
表14ATable 14A
请求参数request parameters
表14B示出用来将价值代币载入子钱包中的响应参数。Table 14B shows the response parameters used to load value tokens into a sub-wallet.
表14BForm 14B
响应参数response parameters
如果请求是用于电子价值代币赎回，那么在框308中，电子价值代币交易计算机150访问此前与验证信息相关联的电子子钱包并且检查与电子子钱包相关联的规则。在至少一个实施例中，检查规则包括检查可由用户配置的价值代币的优先级。例如，用户可能喜欢使用对应于发起购买请求的零售商的任何闭环价值代币。如果没有发现任何闭环价值代币或者如果代币不够支付购买，那么用户可能更愿意使用开环价值代币来支付剩余部分。由于这种偏好，闭环价值代币可能均具有比开环价值代币更高的优先级。在开环价值代币中，一种可能优先于另一种。例如，用户喜欢用信用卡而不是借记卡来支付任何剩余部分。在至少一个实施例中，用户可以通过因特网或移动应用来配置这些规则并且将这种优先级保存为默认偏好。在备选实施例中，用户在POS装置(例如，在诸如收银通道、客服中心或自助终端的卖主或零售商地点)处选择电子价值代币以应用于电子钱包请求。因此，选择电子价值代币包括选择具有最高优先级的价值代币，这些价值代币在一起使用时将足够支付购买金额。在示例中可以看出，一个购买交易已被拆分成两个赎回，而不降低购买的效率。类似地，一个或多个电子钱包交易可被拆分成两个或更多个交易，而不降低效率。If the request is for an electronic value token redemption, then in block 308 the electronic value token transaction computer 150 accesses the electronic sub-wallet previously associated with the verification information and checks the rules associated with the electronic sub-wallet. In at least one embodiment, checking the rules includes checking a user-configurable priority of value tokens. For example, a user may prefer to spend any closed-loop value token corresponding to the retailer that initiated the purchase request. If no closed-loop value tokens are found or if there are not enough tokens to cover the purchase, the user may prefer to use open-loop value tokens to pay for the remainder. Because of this preference, closed-loop value tokens may all have higher priority than open-loop value tokens. In open-loop value tokens, one may take precedence over the other. For example, users prefer to pay for any remaining portion with a credit card rather than a debit card. In at least one embodiment, a user can configure these rules via the Internet or a mobile application and save this priority as a default preference. In an alternative embodiment, a user selects an electronic value token to apply to an electronic wallet request at a POS device (eg, at a vendor or retailer location such as a checkout lane, call center, or self-service terminal). Therefore, the selection of electronic value tokens includes the selection of value tokens with the highest priority, which when used together will be sufficient to cover the purchase amount. As can be seen in the example, one purchase transaction has been split into two redemptions without reducing the efficiency of the purchase. Similarly, one or more e-wallet transactions can be split into two or more transactions without loss of efficiency.
在至少一个实施例中，检查规则包括检查不同的电子价值代币应当应用到的电子子钱包请求的百分比，并且其中应用电子价值代币包括按照百分比将电子价值代币应用到电子子钱包请求。在框310中，电子价值代币交易计算机150然后基于规则选择电子子钱包中的价值代币，这些价值代币在一起使用时将满足电子子钱包请求。例如，用户可以配置规则使得每个购买在两个信用卡之间均匀地拆分。因此，选择电子价值代币包括选择在它们之间拆分购买金额的两个开环代币。类似于上述示例，效率得以保持，因为在销售点使用单个验证令牌(例如，仅代理卡或移动装置)，而不是对应于电子价值代币的两个信用卡。可以实施其它规则，并且这些规则可以彼此以各种排列和组合使用。电子价值代币计算机150也可基于在电子子钱包请求中发送的信息实施“如果-那么”规则。例如，在加油站的购买可导致汽油信用卡价值代币选择，等等。在这样的实施例中，电子价值代币计算机150可以查询主e钱包10和/或子钱包807(例如，对于信用卡类电子价值代币)、808(例如，对于借记卡类电子价值代币)和809(例如，对于储值卡类电子价值代币)的规则802、817、818和819并且基于包括交易类型(例如，在加油站的购买)的交易请求信息来确定为主e钱包10和/或子钱包807、808和809建立的规则要求交易类型请求首先用第一电子价值代币类型(例如，与汽油卡有关的电子价值代币829)来满足，并且在主e钱包10和/或子钱包807、808和809不包括满足整个交易请求的足够数额的第一价值代币类型的情况中，电子价值代币计算机150可以用第二电子价值代币类型(例如，与借记卡有关的电子价值代币828)来满足交易请求的剩余部分。In at least one embodiment, checking the rules includes checking a percentage of electronic sub-wallet requests to which different electronic value tokens should be applied, and wherein applying the electronic value token includes applying the electronic value token to the electronic sub-wallet requests by percentage. In block 310, the electronic value token transaction computer 150 then selects, based on the rules, value tokens in the electronic sub-wallet that, when used together, will satisfy the electronic sub-wallet request. For example, a user may configure rules such that each purchase is split evenly between two credit cards. Therefore, choosing an electronic value token includes choosing two open-loop tokens that split the purchase amount between them. Similar to the above example, efficiency is maintained because a single verification token (eg, only proxy card or mobile device) is used at the point of sale, rather than two credit cards corresponding to electronic value tokens. Other rules can be implemented, and these rules can be used in various permutations and combinations with each other. Electronic value token computer 150 may also implement "if-then" rules based on the information sent in the electronic sub-wallet request. For example, a purchase at a gas station may result in a gasoline credit card value token selection, and so on. In such an embodiment, the electronic value token computer 150 may query the master e-wallet 10 and/or sub-wallets 807 (e.g., for credit card type electronic value tokens), 808 (e.g., for debit card type electronic value tokens) ) and 809 (e.g., for stored-value card-type electronic value tokens) and based on the transaction request information including the type of transaction (e.g., a purchase at a gas station) to determine the master e-wallet 10 and/or rules established by sub-wallets 807, 808, and 809 require transaction type requests to be first satisfied with a first electronic value token type (e.g., electronic value token 829 associated with a gasoline card), In the event/or sub-wallets 807, 808, and 809 do not include a sufficient amount of the first value token type to satisfy the entire transaction request, the electronic value token computer 150 may use the second electronic value token type (e.g., with debit Card-related electronic value token 828) to satisfy the remainder of the transaction request.
电子价值代币交易计算机150还将电子价值代币应用于电子子钱包请求。在将电子价值代币应用于请求时，电子价值代币交易计算机150可生成和发送借方和贷方消息以使用合适的帐号在由零售商和金融机构管理的帐户上执行，或者当电子价值代币交易计算机具有这样的管理权限时，电子价值代币交易计算机150可以直接贷记或借记帐户。The electronic value token transaction computer 150 also applies the electronic value token to the electronic sub-wallet request. When applying an electronic value token to a request, the electronic value token transaction computer 150 can generate and send debit and credit messages to execute on accounts managed by retailers and financial institutions using the appropriate account number, or when the electronic value token When the transaction computer has such administrative authority, the electronic value token transaction computer 150 can directly credit or debit the account.
在至少一个实施例中，电子价值代币交易计算机150修改请求并将修改的请求转发给其中一个合适的发行者的授权系统160，该系统接收修改的请求并对其进行操作，例如，授权和/或处理请求以赎回电子价值代币并且相应地更新数据存储区。在至少一个实施例中，授权系统160不在与电子子钱包请求接收处相同的地点。例如，如果电子子钱包请求是从零售商店接收的，那么授权系统可能由零售商拥有和操作，但可能不在零售商店处。相反，授权系统可能位于例如数据中心。因此，零售商店和零售商通常都不需要知道子钱包中的一些或全部内容。在至少一个实施例中，零售商店甚至不知道存在电子钱包，因为它仅仅知道一些交易授权动作已通信至其销售点(例如，代理卡的刷卡、个人数字助理与销售点装置的交互、在销售点的小键盘上输入PIN、或者其它授权活动)。发行者的授权系统160将响应消息发回到电子价值代币交易计算机150。在其中电子价值代币交易计算机150执行发行者的授权系统160的功能的备选实施例中，该方法可以直接从框306或310进行到框314。In at least one embodiment, the electronic value token transaction computer 150 modifies the request and forwards the modified request to one of the appropriate issuer's authorization systems 160, which receives the modified request and acts upon it, e.g., authorizes and and/or process requests to redeem electronic value tokens and update the data store accordingly. In at least one embodiment, authorization system 160 is not at the same location as the electronic sub-wallet request is received. For example, if the electronic sub-wallet request is received from a retail store, the authorization system may be owned and operated by the retailer, but may not be at the retail store. Instead, the authorization system may be located, for example, in a data center. Therefore, neither the retail store nor the retailer generally needs to know some or all of the contents of the sub-wallet. In at least one embodiment, the retail store doesn't even know that an e-wallet exists because it only knows that some transaction authorization action has been communicated to its point of sale (e.g., swiping of a proxy card, interaction of a personal digital assistant with a point of sale device, Entering a PIN on the keypad of the point, or other authorization activities). The issuer's authorization system 160 sends a response message back to the electronic value token transaction computer 150 . In alternative embodiments in which the electronic value token transaction computer 150 performs the functions of the issuer's authorization system 160 , the method may proceed directly from blocks 306 or 310 to block 314 .
在框312中，电子价值代币交易计算机150从其中一个合适的发行者的授权系统160接收确认消息。在框314处，电子价值代币交易计算机150更新电子钱包单元199和数据存储区180中的电子子钱包以反映电子子钱包被激活，并且反映(多个)电子价值代币的任何借记、贷记、添加或删除。图6A-6D示出在至少一个实施例中的一系列用户接口画面和提示。例如，用户在通过连接到因特网的计算机和/或自助终端189管理用户的电子钱包时可以看到图示的提示。In block 312, the electronic value token transaction computer 150 receives a confirmation message from one of the appropriate issuer's authorization systems 160. At block 314, the electronic value token transaction computer 150 updates the electronic wallet unit 199 and the electronic wallet in the data storage area 180 to reflect that the electronic wallet is activated, and to reflect any debits of the electronic value token(s), Credit, add or delete. 6A-6D illustrate a series of user interface screens and prompts in at least one embodiment. For example, a user may see the illustrated prompts when managing the user's electronic wallet through an Internet-connected computer and/or kiosk 189 .
在框316中，交易日志170可由电子价值代币交易计算机150更新以记录关于交易的细节。记录在交易日志中的细节可包括：(a)交易时间和日期，(b)电子子钱包是否被激活，(c)在请求被拒绝时电子子钱包未被激活的原因，(d)(多个)电子价值代币的贷记、借记、添加或删除，(e)与(多个)电子价值代币相关联的规则的变化，(f)卖主的身份标识，(g)发行者的身份标识，(h)卖主的地点，(i)添加电子价值代币的终端的身份标识，(j)授予电子价值代币的实体的身份标识，(k)从其接收子钱包请求的E-钱包聚合器系统1000的身份标识，(l)在电子价值代币交易计算机150和E-钱包聚合器系统1000之间的通信，以及(m)它们的任何组合。交易日志可包括除了以上列举的项目之外或代替它们的其它信息。In block 316, the transaction log 170 may be updated by the electronic value token transaction computer 150 to record details about the transaction. Details recorded in the transaction log may include: (a) transaction time and date, (b) whether the electronic sub-wallet was activated, (c) the reason why the electronic sub-wallet was not activated when the request was denied, (d) (multiple credit, debit, addition, or deletion of (a) Electronic Value Token(s), (e) a change in the rules associated with the Electronic Value Token(s), (f) the identity of the seller, (g) the Identity, (h) the location of the seller, (i) the identity of the terminal adding the electronic value token, (j) the identity of the entity granting the electronic value token, (k) the E- Identity of wallet aggregator system 1000, (l) communication between electronic value token transaction computer 150 and E-wallet aggregator system 1000, and (m) any combination thereof. The transaction log may include other information in addition to or instead of the items listed above.
在框319中，电子价值代币交易计算机150然后将子钱包交易结果和相关信息以确认消息的形式转发至E-钱包聚合器系统1000。在将确认消息转发至E-钱包聚合器系统1000之前，电子价值代币交易计算机150可根据需要修改确认消息，以包括可以打印在给顾客的收据上和/或为操作销售点装置111的店员呈现在显示器上的信息。在框320处，电子价值代币交易计算机150对各个卖主、商家、发行者、电子价值代币交易处理系统管理员、以及与子钱包请求中涉及的电子价值代币的发行、销售和营销有关的其他实体的帐户进行对账，以借记和贷记合适的帐户，并且在一些实施例中引发属于各个实体的合适的银行帐户之间的资金转账。备选地，帐户的对账可以定期进行(例如，每天一次、每周一次、每月一次，等等)，而不是在交易之后。在这样的实施例中，来自交易日志170的信息可用来对各种价值代币的销售或赎回所涉及的各个实体进行对账，从而需要引发较少的资金转账。在各种实施例中，事件的描绘顺序可以改变，从而可以按任何期望的次序、顺序地或同时地进行。In block 319, the electronic value token transaction computer 150 then forwards the sub-wallet transaction result and related information to the E-wallet aggregator system 1000 in the form of a confirmation message. Before forwarding the confirmation message to the E-wallet aggregator system 1000, the electronic value token transaction computer 150 may modify the confirmation message as necessary to include information that may be printed on the receipt to the customer and/or for the store clerk operating the point-of-sale device 111 information presented on the display. At block 320, the electronic value token transaction computer 150 communicates with various vendors, merchants, issuers, administrators of the electronic value token transaction processing system, and those related to the issuance, sale and marketing of the electronic value token involved in the sub-wallet request. Reconciliations between accounts of other entities of the entity to debit and credit appropriate accounts, and in some embodiments initiate transfers of funds between appropriate bank accounts belonging to the respective entities. Alternatively, reconciliation of accounts may be performed periodically (eg, daily, weekly, monthly, etc.) rather than after transactions. In such an embodiment, information from transaction log 170 may be used to reconcile the various entities involved in the sale or redemption of various value tokens, thereby requiring fewer transfers of funds to be incurred. In various embodiments, the order in which events are depicted may be altered so that they may occur in any desired order, sequentially or concurrently.
图2C示出电子价值代币交易处理系统1200的实施例，其中电子价值代币交易计算机150与销售点111和E-钱包聚合器系统1000两者通信。因此，电子价值代币交易计算机150可充当上文结合图2A和图2B详细描述的主电子钱包交易处理器和电子子钱包交易处理器两者。FIG. 2C illustrates an embodiment of an electronic value token transaction processing system 1200 in which the electronic value token transaction computer 150 is in communication with both the point of sale 111 and the E-wallet aggregator system 1000 . Accordingly, the electronic value token transaction computer 150 may act as both the master e-wallet transaction processor and the electronic sub-wallet transaction processor described in detail above in connection with FIGS. 2A and 2B .
电子钱包管理可通过各种用户接口进行，例如，智能手机应用、个人计算机应用、基于网站的应用、销售终端、在商店或其它地点的专用终端，例如自助终端。Electronic wallet management can be performed through various user interfaces, such as smartphone applications, personal computer applications, website-based applications, point-of-sale terminals, dedicated terminals at stores or other locations, such as kiosks.
在至少一个实施例中，用户可通过来自计算机或移动电话的万维网执行许多功能，例如电子钱包管理功能(例如，余额查询、管理积分和/或其它奖金类计划)；价值代币的兑换，例如(i)将e钱包中的价值代币替换成e钱包中目前不存在的价值代币，(ii)在不同钱包之间兑换(例如，将来自配置成允许赎回活动的子钱包的电子价值代币放入配置用于储蓄活动且具有有限的赎回可能性的子钱包中)，以及(iii)与另一个用户兑换；购买将放入e钱包的电子价值代币；选择接收或选择不接收靶向(targeted)促销优惠价和材料；以及支付功能，例如，在e钱包中可用的电子价值代币之间拆分付款的支付(tender of payment)。In at least one embodiment, a user can perform a number of functions via the World Wide Web from a computer or mobile phone, such as e-wallet management functions (e.g., balance inquiries, managing points and/or other bonus-like programs); exchange of value tokens, such as (i) replacing value tokens in the e-wallet with value tokens that do not currently exist in the e-wallet, (ii) exchanging between different wallets (for example, converting e-value from sub-wallets configured to allow redemption activities) Tokens placed in a sub-wallet configured for savings activities with limited redemption possibilities), and (iii) exchanged with another user; purchase of electronic value tokens that will be placed in the e-wallet; opt-in or opt-out Receive targeted promotional offers and materials; and payment functionality, eg, a tender of payment that splits payments between electronic value tokens available in the e-wallet.
关于可能的兑换可能性，用户可以将与用户不可能常去的零售商相关联的价值代币兑换成与用户可能常去的零售商相关联的价值代币。类似地，用户可以彼此调换、销售、赠送或转赠价值代币或成捆的价值代币。With regard to possible redemption possibilities, a user may exchange value tokens associated with retailers that the user is unlikely to frequent for value tokens associated with retailers that the user may frequent. Similarly, users may exchange, sell, give or transfer Value Tokens or bundles of Value Tokens to one another.
通过e钱包管理功能，用户可以：(i)确定与每个价值代币相关联的价值的数额，例如奖励点数、美元金额等；(ii)检查价值代币的到期日期，为他人购买价值代币以作为礼品，并且从具体零售商接收通知；(iii)创建、注册和删除其电子钱包或在其电子钱包中的具体价值代币；(iv)请求e钱包提供或供给用户的电子钱包中的电子价值代币的物理表示(例如，在一个实施例中，提供按需打印服务以允许用户在自助终端189或其它可访问的打印机上打印出单据、优惠券、支票或电子价值代币的其它物理表示)；以及(v)允许e钱包例如通过使用用户的移动电话中的GPS服务或通过与用户的SMS服务的集成发送用户特有的价值代币。Through the e-wallet management function, users can: (i) determine the amount of value associated with each value token, such as reward points, dollar amount, etc.; (ii) check the expiration date of value tokens, purchase value for others tokens as gifts and receive notifications from specific retailers; (iii) create, register and delete their e-wallets or specific value tokens in their e-wallets; (iv) request e-wallets to provide or supply users’ e-wallets A physical representation of an electronic value token (e.g., in one embodiment, a print-on-demand service is provided to allow users to print out receipts, coupons, checks, or electronic value tokens at a kiosk 189 or other accessible printer other physical representations); and (v) allow the e-wallet to send user-specific value tokens, for example by using GPS services in the user's mobile phone or through integration with the user's SMS service.
在至少一个实施例中，用户的电子钱包与诸如Facebook和Twitter的用户的社交网络服务集成在一起。因此，用户可以通过社交网络平台执行管理功能或通过社交网络平台接收价值代币。也可将关于用户的电子钱包的全部或部分信息提供给用户的社交网络联系人。In at least one embodiment, the user's electronic wallet is integrated with the user's social networking services such as Facebook and Twitter. Thus, users can perform administrative functions through the social networking platform or receive value tokens through the social networking platform. All or some information about the user's electronic wallet may also be provided to the user's social networking contacts.
如图6A所示，用户可以通过此类系统的交互式显示页面/画面访问e钱包系统，例如，电子价值代币交易处理系统100或E-钱包聚合器系统1000，其中交互式显示页面/画面通过用户的计算机、用户的个人数字助理或智能手机、销售终端、自助终端189或其它装置访问。如图6A所示，用户可以通过提供某些要求的信息并同意某些条款和条件来创建和/或注册e钱包或子钱包。As shown in FIG. 6A, a user may access an e-wallet system through an interactive display page/screen of such a system, for example, an electronic value token transaction processing system 100 or an E-wallet aggregator system 1000, where the interactive display page/screen Access through the user's computer, user's personal digital assistant or smartphone, point of sale, kiosk 189 or other means. As shown in Figure 6A, a user may create and/or register an e-wallet or sub-wallet by providing certain required information and agreeing to certain terms and conditions.
如图6B所示，用户可以通过将某些卡所特有的信息输入到e钱包系统交互式显示页面/画面中来管理其e钱包。在一个实施例中，用户可以通过输入礼品卡的品牌、卡号、到期日期、CVV2码和卡的别称并且在画面上选择“将礼品卡添加到我的钱包”按钮来注册礼品卡。As shown in Figure 6B, users can manage their e-wallets by entering certain card-specific information into the e-wallet system interactive display pages/screens. In one embodiment, a user can register a gift card by entering the gift card's brand, card number, expiration date, CVV2 code, and a nickname for the card and selecting the "Add Gift Card to My Wallet" button on the screen.
如图6C所示，用户被提供许多选项以管理e钱包及其内容。例如，如图所示，用户可以查看在e钱包和/或子钱包中存在的电子价值代币(在图6C中示出为礼品卡)相关联的具体细节。此外，用户可以请求将电子价值代币提供为：(i)“最后添加的”(如图6C所示)；(ii)在各个“子钱包”中所包含的(子钱包可被分类或带有别称，例如“餐饮”、“家居”、“借记卡”、“信用卡”、“忠诚卡”等)；(iii)按剩余价值从最高到最低的顺序；或者(iv)按使用偏好排序。As shown in Figure 6C, the user is provided with many options to manage the e-wallet and its contents. For example, as shown, a user may view specific details associated with an electronic token of value (shown as a gift card in FIG. 6C ) present in the e-wallet and/or sub-wallet. Additionally, users may request that electronic value tokens be provided as: (i) "last added" (as shown in Figure 6C); (ii) contained in individual "sub-wallets" (sub-wallets may be categorized or Alternatives such as "dining", "home", "debit card", "credit card", "loyalty card" etc.); (iii) in order of highest to lowest residual value; or (iv) in order of usage preference .
另外如图6C所示，用户能够“添加礼品卡”、“增加价值”、“赎回卡”和“出售卡”。Also as shown in Figure 6C, the user is able to "Add Gift Card", "Add Value", "Redeem Card" and "Sell Card".
“添加礼品卡”功能使用户能够将电子价值代币放入e钱包中。“添加礼品卡”选择至少提供了两种不同的方法，以便用户将电子价值代币添加到e钱包。首先，可以将代表用户所拥有的实体卡的电子价值代币添加到e钱包。如参照图6B所述，通过选择“添加礼品卡”和此类添加的后续方式，可以将图6B的画面呈现给用户。相应地，用户可以通过输入礼品卡的品牌、卡号、到期日期、CVV2码和卡的别称并且在画面上选择“将礼品卡添加到我的钱包”按钮来将“礼品卡”添加到e钱包。备选地，用户可以访问读卡器(例如，磁条阅读器和/或条形码阅读器)，例如附接到用户的计算机、个人数字助理或智能手机的装置，并且利用这样的装置结合用户的计算机、个人数字助理或智能手机从实体卡读取信息，以将卡的信息输入到e钱包系统中以转换成电子价值代币。其次，可以将代表用户尚未拥有的实体卡的电子价值代币添加到e钱包。在这样的实施例中，当用户选择该选项时，可以向用户呈现告知用户可用于购买的电子价值代币的所有不同类型和价值金额的显示画面。用于购买的电子价值代币的可用性可取决于e钱包系统(例如，电子价值代币交易处理系统100)与卡发行者、商家、卖主和/或处理器(例如，由BlackHawk Network提供的GiftCard Mall基于web的应用，其使用户能够从各种不同类型(和不同面额)的礼品卡中选择并且将所选卡以有形形式(通过邮件或其它快递)递送给用户(或用户指定的接收者)或以电子方式递送(例如，通过电子价值代币交易处理系统))的关系，或者可以取决于e钱包系统(例如，电子价值代币交易处理系统100)访问电子价值代币兑换程序2000的能力，如下文将更全面描述的。The "Add Gift Card" feature enables users to place electronic value tokens into the e-wallet. The "add gift card" option provides at least two different methods for a user to add an electronic token of value to an e-wallet. First, an electronic value token representing a physical card owned by the user can be added to the e-wallet. As described with reference to FIG. 6B, the screen of FIG. 6B may be presented to the user by selecting "Add Gift Card" and subsequent manner of such addition. Accordingly, the user can add a "gift card" to the e-wallet by entering the brand of the gift card, card number, expiration date, CVV2 code and card's nickname and selecting the "Add gift card to my wallet" button on the screen . Alternatively, the user may have access to a card reader (e.g., a magnetic stripe reader and/or a barcode reader), such as a device attached to the user's computer, personal digital assistant, or smartphone, and utilize such a device in conjunction with the user's Computers, personal digital assistants or smartphones read the information from the physical card to enter the card information into the e-wallet system for conversion into electronic tokens of value. Second, electronic value tokens representing physical cards that the user does not already own can be added to the e-wallet. In such an embodiment, when the user selects this option, the user may be presented with a display that informs the user of all the different types and value amounts of electronic value tokens available for purchase. The availability of electronic value tokens for purchase may depend on the e-wallet system (e.g., electronic value token transaction processing system 100) and the card issuer, merchant, vendor and/or processor (e.g., GiftCard provided by BlackHawk Network The Mall is a web-based application that enables a user to select from a variety of different types (and denominations) of gift cards and deliver the selected card in tangible form (by mail or other courier) to the user (or to a user-designated recipient) ) or delivered electronically (e.g., through an electronic value token transaction processing system)), or may depend on an e-wallet system (e.g., an electronic value token transaction processing system 100) accessing the electronic value token exchange program 2000 Capabilities, as described more fully below.
“增加价值”功能使用户能够选择电子价值代币并增加所述符合的价值。电子价值代币的这种“重新加载”、“追加”或“充值”可以像在国际申请No.PCT/US11/40055中描述的那样进行，该申请全文以引用方式并入本文中。例如，当e钱包用户希望对位于e钱包中的与电信有关的电子价值代币进行重新加载/充值/追加时，用户可以在显示画面上选择“增加价值”，这将提示系统将重新加载/充值/追加请求发送至电子价值代币计算机150。The "Add Value" feature enables users to select electronic value tokens and increase the value of said coin. Such "reloading," "appending," or "topping up" of electronic value tokens may be performed as described in International Application No. PCT/US11/40055, which is hereby incorporated by reference in its entirety. For example, when an e-wallet user wishes to reload/recharge/append telecommunications-related electronic value tokens located in the e-wallet, the user can select "add value" on the display screen, which will prompt the system to reload/add The top-up/addition request is sent to the electronic value token computer 150 .
在重新加载/充值/追加情况的第一实施例中，如果与电信有关的电子价值代币被激活且与电话号码相关联，电子价值代币计算机150将同意请求。电子价值代币计算机150确定与电话号码有关的电信帐户并且将所请求的重新加载/充值/追加数量增加至帐户。电子价值代币计算机150发送对请求的响应(例如，指出重新加载/充值/追加金额已被增加至相关联的帐户)。电子价值代币计算机150将重新加载/充值/追加交易请求发送至与电话号码相关联的电信运营商。在从电信运营商收到重新加载/充值/追加交易请求的许可之后，电子价值代币计算机150修改与电信有关的电子价值代币的价值以反映重新加载/充值/追加的数额。电子价值代币计算机150将使由用户访问的显示器反映电子价值代币的值的修改，或者在重新加载/充值/追加交易请求未获批准时，电子价值代币计算机150将使显示器告知用户该结果。虽然已结合与电信有关的电子价值代币描述了“增加价值”功能，但“增加价值”功能同样适用于且可用于重新加载/充值/追加与借记卡、预付服务卡、礼品卡等相关联的电子价值代币。In a first embodiment of the reload/top-up/append scenario, if the telecommunications-related e-token of value is activated and associated with a phone number, the e-token of value computer 150 will grant the request. The electronic value token computer 150 determines the telecommunications account associated with the phone number and adds the requested reload/recharge/append amount to the account. Electronic value token computer 150 sends a response to the request (eg, indicating that a reload/top-up/append amount has been added to the associated account). The electronic value token computer 150 sends a reload/top up/append transaction request to the telecommunications carrier associated with the phone number. After receiving approval of the reload/recharge/append transaction request from the telecom operator, the e-value token computer 150 modifies the value of the telecommunications-related e-value token to reflect the reload/recharge/append amount. The electronic value token computer 150 will cause the display accessed by the user to reflect the modification of the value of the electronic value token, or when a reload/top up/append transaction request is not approved, the electronic value token computer 150 will cause the display to inform the user of the modification. result. While the "add value" functionality has been described in connection with telecommunications-related electronic value tokens, the "add value" functionality is equally applicable and can be used to reload/recharge/append in relation to debit cards, prepaid service cards, gift cards, etc. Linked electronic tokens of value.
“赎回卡”功能使用户能够选择电子价值代币并使用该代币来满足购买或其它交易。在“赎回卡”情况中，如果在赎回交易中没有使用电子价值代币的全部价值，系统将修改/减少该代币的剩余价值并且使显示器告知用户代币的“新”减少的价值，同时也告知所有利益相关方赎回交易并且相应地记录和调整任何相关的日志。备选地，当在销售点类型的交易背景下而不是上述e钱包管理背景下使用e钱包时，“赎回卡”功能可通过从销售点传送的交易信息自动地调用并且因此可以基于预定的规则。The "redeem card" feature enables users to select an electronic token of value and use that token to fulfill a purchase or other transaction. In the case of a "redemption card", if the full value of the electronic value token is not used in the redemption transaction, the system will modify/reduce the remaining value of the token and cause the display to inform the user of the "new" reduced value of the token , while also notifying all stakeholders of the redemption transaction and recording and adjusting any related logs accordingly. Alternatively, when using the e-wallet in the context of a point-of-sale type of transaction rather than the aforementioned e-wallet management context, the "redeem card" function may be invoked automatically by transaction information transmitted from the point-of-sale and thus may be based on a predetermined rule.
“出售卡”功能使用户能够选择通过将卡出售给下列各方而货币化:(i)另一个e钱包用户、(ii)e钱包(或子钱包)系统提供者、或(iii)电子价值代币兑换程序2000(如本文更全面描述的)。在“出售卡”情况中，用户将告知e钱包系统其希望出售的电子价值代币，从可用论坛的列表中选择用于这样的出售的论坛，指示系统应如何将出售的收益汇款到e钱包(例如，以e钱包系统有品牌的电子价值代币的形式，将价值增加到其它所选电子价值代币，和/或递送用户可以为招标提供的硬/有形形式的收据(例如，单据、优惠券、支票、或它们的组合))，并且在适用时指示系统用户不愿意低于的电子价值代币的出售的阈值，例如，设置底价。系统将执行期望的销售交易，并且使显示器告知用户电子价值代币的出售的结果，同时还告知所有利益相关方销售交易并且相应地记录和调整任何相关日志。The "sell card" feature enables the user to choose to monetize the card by selling it to (i) another e-wallet user, (ii) an e-wallet (or sub-wallet) system provider, or (iii) electronic value Token Exchange Program 2000 (as described more fully herein). In the "sell card" situation, the user will inform the e-wallet system of the electronic value tokens they wish to sell, select a forum for such a sale from a list of available forums, instruct the system how the proceeds of the sale should be remitted to the e-wallet (e.g., in the form of e-wallet system branded electronic value tokens, adding value to other selected electronic value tokens, and/or delivering hard/tangible form receipts (e.g., receipts, Coupons, checks, or combinations thereof)), and where applicable, indicate a threshold for the sale of Electronic Value Tokens that users of the system are unwilling to fall below, e.g., set a reserve price. The system will execute the desired sale transaction and cause the display to inform the user of the outcome of the sale of the electronic value token, while also notifying all interested parties of the sale transaction and recording and adjusting any related logs accordingly.
如图6C中进一步所示，用户可以选择管理“我的奖励”，这将产生显示由于用户收到用于使用e钱包和/或电子价值代币的积分或其它类型的奖励而向用户提供的选项的画面。用户还可以选择“特卖”，这将产生向用户显示可通过e钱包向用户提供的促销类型的出售物的画面。用户也可以选择“兑换”，这将产生显示可用于通过e钱包进行电子价值代币兑换的用户选项的画面。As further shown in FIG. 6C, the user may choose to manage "My Rewards," which will generate a display of credits or other types of rewards provided to the user due to the user's receipt of credits or other types of rewards for using e-wallets and/or electronic value tokens. option screen. The user may also select "Sales", which will result in a screen showing the user promotional type of offers that are available to the user through the e-wallet. The user may also select "Exchange" which will result in a screen displaying the user's options available for electronic value token exchange through the e-wallet.
以参照以上提供的e钱包管理能力和功能描述的类似的方式，自助终端189在至少一个实施例中可联接到电子价值代币交易计算机150并且充当与e钱包交易系统的用户接口，以允许用户访问e钱包管理功能。In a manner similar to that described with reference to the e-wallet management capabilities and functionality provided above, the kiosk 189 may, in at least one embodiment, be coupled to the electronic value token transaction computer 150 and act as a user interface with the e-wallet transaction system to allow users to Access to e-wallet management functions.
自助终端189可置于人流量大的区域，例如购物中心，并且可以执行任何电子钱包管理功能。例如，用户可以创建、删除和更改其电子钱包或子钱包。用户还可以核对位于e钱包中的电子价值代币的余额，添加、取出、重新加载、充值、打印和兑换其电子钱包或子钱包中的价值代币。在至少一个实施例中，自助终端189可以反映电子钱包管理网站可提供的交易，或者e钱包使能的个人数字助理和/或智能手机的功能。如果特定零售商不接受电子钱包交易，用户可以采用对其价值代币的按需打印功能。例如，用户可以选择要打印的价值代币，连接到自助终端189的打印机将打印所选价值代币的物理表示，例如，具有链接到电子价值代币的可扫描条形码的收据。物理表示可以是带有磁条的礼品卡、带有条形码或二维码(例如，QR码)的纸收据或优惠券等。在一个实施例中，自助终端189可以打印实体卡，例如用于额外的打印费。用户也可以使用自助终端189提供和/或分割(例如，创建子钱包)电子钱包。例如，在验证用户和识别与用户相关联的电子钱包之后，用户可以将用户的实体储值卡插入自助终端189，例如，类似于自动柜员机的机器操作的自助终端或备选地具有合适的读卡器等的有人操纵的自助终端。自助终端189可将实体储值卡转换为用户的电子钱包中的电子价值代币。然后，实体储值卡可以被自助终端189保留或损毁或返回给用户。在一个实施例中，实体储值卡在转换之后不可由用户使用。在另一个实施例中，用户可以有使用电子价值代币或实体储值卡的选择。换言之，两者将为“激活的”且可供使用。用户还可购买价值代币以直接从自助终端189供给钱包。The self-service terminal 189 can be placed in a high traffic area, such as a shopping mall, and can perform any electronic wallet management functions. For example, users can create, delete and change their e-wallets or sub-wallets. Users can also check the balance of electronic value tokens located in e-wallets, add, withdraw, reload, top up, print and exchange value tokens in their electronic wallets or sub-wallets. In at least one embodiment, the kiosk 189 may mirror the transactions available from an e-wallet management website, or the functionality of an e-wallet-enabled personal digital assistant and/or smartphone. If a particular retailer does not accept e-wallet transactions, users can employ a print-on-demand feature for their value tokens. For example, a user may select a value token to be printed, and a printer connected to the kiosk 189 will print a physical representation of the selected value token, such as a receipt with a scannable barcode linked to the electronic value token. The physical representation could be a gift card with a magnetic strip, a paper receipt or coupon with a barcode or QR code (eg, QR code), etc. In one embodiment, kiosk 189 may print a physical card, such as for an additional printing fee. Users may also provision and/or split (eg, create sub-wallets) electronic wallets using the kiosk 189 . For example, after authenticating the user and identifying an electronic wallet associated with the user, the user may insert the user's physical stored-value card into a self-service terminal 189, e.g., a machine-operated self-service terminal similar to an automatic teller machine or alternatively with a suitable reader. Manned self-service terminals such as card dispensers. The kiosk 189 may convert the physical stored-value card into electronic tokens of value in the user's electronic wallet. The physical stored-value card can then be retained by the kiosk 189 or destroyed or returned to the user. In one embodiment, the physical stored value card is not usable by the user after conversion. In another embodiment, the user may have the option of using an electronic value token or a physical stored value card. In other words, both will be "active" and available for use. Users can also purchase value tokens to supply wallets directly from the kiosk 189.
在至少一个实施例中，用户与多个电子钱包相关联。为了从与用户相关联的多个钱包中识别一个钱包，多个钱包中的每一个与唯一的钱包标识(“ID”)相关联。例如，数据库或查找表可用来访问钱包标识。在至少一个实施例中，钱包ID可由用户定制。In at least one embodiment, a user is associated with multiple e-wallets. In order to identify a wallet from multiple wallets associated with a user, each of the multiple wallets is associated with a unique wallet identification ("ID"). For example, a database or lookup table can be used to access wallet identities. In at least one embodiment, the wallet ID is customizable by the user.
如结合上述主e钱包和子钱包实施例所引用的，所公开的e钱包和子钱包方法和系统为用户提供了将价值增加到位于e钱包和/或子钱包中的电子价值代币的能力。在一个实施例中，本文描述的电子价值代币交易处理系统100的类似的增值能力和功能在国际申请No.PCT/US11/20570中详述和说明，该申请全文以引用方式并入本文中，此类类似的增值能力和功能可从国际申请No.PCT/US11/20570中描述的语境(context)修改为适用于本发明的e钱包/电子价值代币语境。As referenced in connection with the master e-wallet and sub-wallet embodiments above, the disclosed e-wallet and sub-wallet methods and systems provide users with the ability to add value to electronic value tokens located in e-wallets and/or sub-wallets. In one embodiment, similar value-adding capabilities and functionality of the electronic value token transaction processing system 100 described herein are detailed and illustrated in International Application No. PCT/US11/20570, which is incorporated herein by reference in its entirety , such similar value-added capabilities and functions can be modified from the context described in International Application No. PCT/US11/20570 to the e-wallet/electronic value token context applicable to the present invention.
可以通过(多个)价值代币的购买价值和赎回价值之间的价值差向顾客提供对购买和/或赎回所述(多个)价值代币的奖励。The customer may be offered an incentive for purchasing and/or redeeming the value token(s) by the difference in value between the purchase value and the redemption value of the value token(s).
在一个实施例中，顾客可以用$25购买具有$25的面值的价值代币，但电子价值代币可以按$30的金额添加到电子钱包–$25的购买价加上作为购买电子价值代币的奖励而增加的额外的$5。备选地，代替将现金价值添加至电子价值代币，可以用针对具体产品或服务的赎回优惠券代码对电子价值代币编码。例如，咖啡屋的$15的价值代币可具有电子赎回优惠券代码，用于在该咖啡屋购买的任意咖啡上免费添加一小杯顾客选择的糖浆。免费的一小杯糖浆可以在赎回一部分或全部电子价值代币金额的同时赎回，或者免费的一小杯糖浆可以单独地赎回。In one embodiment, a customer may purchase a value token with a face value of $25 for $25, but an electronic value token may be added to an electronic wallet in an amount of $30—the purchase price of $25 plus a bonus for purchasing an electronic value token. Added an extra $5. Alternatively, instead of adding cash value to the electronic value token, the electronic value token may be encoded with a redemption coupon code for a specific product or service. For example, a $15 value token at a coffee house may have an electronic redemption coupon code for a free small cup of syrup of the customer's choice on top of any coffee purchased at the coffee house. The free shot of syrup may be redeemed at the same time as part or all of the e-value token amount, or the free shot of syrup may be redeemed separately.
在另一个实施例中，价值代币卖主能够通过在顾客赎回电子价值代币时在电子价值代币的价值之外增加价值而提供对赎回价值代币的顾客奖励。例如，商家可以开展促销活动，在活动中，当顾客在规定时间内在该商家的零售店之一使用价值代币购物时，商家向顾客提供额外的$5信用。In another embodiment, a value token vendor can offer customer incentives for redeeming value tokens by adding value to the value of the electronic value token when the customer redeems the electronic value token. For example, a merchant could run a promotion in which the merchant offers an additional $5 credit to customers when they shop with Value Tokens at one of the merchant's retail locations within a set time period.
如上所述，电子价值代币交易计算机150与数据存储区180和/或发行者的授权系统160通信。电子价值代币交易计算机150可以比较交易请求中包含的卡标识、终端标识、卖主标识以及激活请求的时间和日期中的一个或多个与数据存储区180中包含的数据，以确定要添加/赎回的电子价值代币是否有资格获取增值奖励。例如，卖主可以开展促销活动以鼓励顾客购买价值代币，其中在规定时间内购买的价值代币可以以小于电子价值代币说明或元数据所指定的价值的价格进行购买。因此，顾客可以以小于$25的某个金额(例如，$20)购买$25的价值代币。在上述任一个示例中，价值差(value differentiator)(例如，添加到价值代币的赎回价值的奖金和指定价值的价值代币的购买价格的减少)可以应用到绑定的价值代币包，并且价值差平均地或不成比例地分配在电子价值代币中和/或之间。类似地，零售商可以通过全部或部分地承兑其它零售商的价值代币来联合进行关联促销，或可以为具体产品或促销来联合进行关联促销。通过选择在销售点使用电子钱包，用户甚至可以接收用户不知道的促销的益处。而且，通过配置规则，用户可以确保在各个零售商处获得最佳促销，而不需要比较购物。因此，零售商可以在每日或甚至每小时的基础上以快的节奏实施和更改促销和与其他零售商的关联促销，而不浪费广告资源，以确保用户知道促销且不需要用户进行涉及诸如剪切优惠券、输入各种促销代码等的传统赎回模型的外勤。此外，零售商可以将促销微调到各个细分市场，以便通过满足细分市场的特定需求而加强关系。As noted above, the electronic value token transaction computer 150 is in communication with the data store 180 and/or the issuer's authorization system 160 . The electronic value token transaction computer 150 may compare one or more of the card identification contained in the transaction request, the terminal identification, the vendor identification, and the time and date of the activation request with the data contained in the data storage area 180 to determine to add/ Whether redeemed electronic value tokens are eligible for value-added rewards. For example, a seller may run a promotion to encourage customers to purchase value tokens, where value tokens purchased within a specified time period may be purchased for less than the value specified by the electronic value token description or metadata. Thus, a customer may purchase a $25 value token for some amount less than $25 (eg, $20). In either of the examples above, a value differentiator (e.g., a bonus added to the redemption value of a Value Token and a reduction in the purchase price of a Value Token of a specified value) may be applied to a bound Value Token package , and the difference in value is distributed equally or disproportionately among and/or among the electronic value tokens. Similarly, retailers may conduct joint promotions by accepting other retailers' value tokens in whole or in part, or may conduct joint promotions for specific products or promotions. By choosing to use the e-wallet at the point of sale, the user may even receive the benefit of promotions that the user is unaware of. And, by configuring rules, users can ensure the best promotions at various retailers without the need for comparison shopping. As a result, retailers can implement and change promotions and affiliate promotions with other retailers at a fast pace on a daily or even hourly basis without wasting inventory, ensuring users are aware of promotions and not requiring users to engage in activities such as Off the ground for the traditional redemption model of clipping coupons, entering various promo codes, etc. Additionally, retailers can fine-tune promotions to individual market segments in order to strengthen relationships by addressing segment-specific needs.
消息修改单元154修改消息106和110以将增值信息添加到消息中。例如，如果增值确定单元153确定要增加的价值代币符合增值奖金的条件，从销售点装置111接收的消息106将被消息修改单元154修改以包括所确定的增值奖金，并且然后作为消息109转发到合适的发行者的授权系统160以批准对于激活请求中指定的金额加上增值奖金的请求。作为另一示例，如果确定电子价值代币符合以折扣价购买的条件，从销售点装置111接收的消息106将被消息修改单元154修改(并作为消息109转发)以向合适的发行者的授权系统160指出电子价值代币将以一定金额添加至电子钱包，但顾客将被收取反映与电子价值代币相关联的折扣的更少的金额。Message modification unit 154 modifies messages 106 and 110 to add value-added information to the messages. For example, if the added value determination unit 153 determines that the value token to be added is eligible for an added value bonus, the message 106 received from the point of sale device 111 will be modified by the message modification unit 154 to include the determined added value bonus and then forwarded as message 109 to the appropriate issuer's authorization system 160 to approve the request for the amount specified in the activation request plus the incremental bonus. As another example, if it is determined that an electronic value token is eligible for purchase at a discounted price, message 106 received from point-of-sale device 111 will be modified by message modification unit 154 (and forwarded as message 109) to authorize the appropriate issuer. The system 160 indicates that the electronic value token will be added to the electronic wallet for an amount, but the customer will be charged a lesser amount reflecting the discount associated with the electronic value token.
在一个实施例中，消息修改单元154也修改旨在用于销售点装置111的来自发行者的授权系统160的消息110以包括可以打印在为顾客生成的收据上的关于增加到电子价值代币的价值的任何信息，以及可以在终端101或104上呈现给收银员的、收银员可通信给顾客的信息，并且此类修改后的消息作为消息107被转发至销售点装置111。In one embodiment, the message modification unit 154 also modifies the message 110 intended for the point-of-sale device 111 from the issuer's authorization system 160 to include information about adding to the electronic value token that may be printed on the receipt generated for the customer. Any information on the value of , as well as information that can be presented to the cashier on the terminal 101 or 104, the cashier can communicate to the customer, and such a modified message is forwarded to the point of sale device 111 as message 107.
如结合上述主e钱包和子钱包实施例所引用的，所公开的e钱包和子钱包方法和系统为用户提供了将位于用户的e钱包或子钱包中的电子价值代币与目前不在用户的e钱包或子钱包中但通过e钱包的或子钱包的交易系统变得可用的电子价值代币相互兑换的能力。As referenced in connection with the master e-wallet and sub-wallet embodiments above, the disclosed e-wallet and sub-wallet methods and systems provide a user with the ability to transfer electronic value tokens located in the user's e-wallet or sub-wallet to those currently not in the user's e-wallet. The ability to exchange between electronic value tokens in or sub-wallets but made available through the e-wallet's or sub-wallet's transaction system.
电子价值代币计算机150的所有者和/或操作者可通过套利类活动获取收益。即，电子价值代币计算机150所有者和/或操作者可以保持两种电子价值代币之间的现行汇率的差值，例如，第一电子价值代币被交易/兑换并且第二电子价值代币被期望/获得。在至少一个实施例中，电子价值代币交易计算机150也可以向用户收取兑换的交易费。交易费可以是固定的或者基于兑换量的大小。The owner and/or operator of the electronic value token computer 150 can obtain income through arbitrage activities. That is, electronic value token computer 150 owners and/or operators can maintain the difference in the prevailing exchange rate between two electronic value tokens, e.g., a first electronic value token is traded/converted and a second electronic value token Coins are desired/obtained. In at least one embodiment, the electronic value token transaction computer 150 may also charge the user a transaction fee for the exchange. Transaction fees can be fixed or based on the size of the exchange volume.
电子价值代币交易计算机150也可以向与兑换相关联的发行者和/或零售商中任一者或两者收取固定的交易费或基于兑换量的交易费。这些交易费可能是极少的但大量产生。所有各方可能受益，因为通过用用户将不使用的价值代币进行兑换，用户正接收用户将使用的价值代币。此外，一个发行者和/或零售商消除与兑换的价值代币相关联的负债或库存责任，从而释放资本以用作其它用途。另外，另一发行者和/或零售商可以获得顾客，保留忠诚顾客或者在顾客花费超出电子价值代币的金额时增加收入。The electronic value token transaction computer 150 may also charge either or both of the issuer and/or retailer associated with the redemption a fixed transaction fee or a transaction fee based on the amount of the redemption. These transaction fees may be minimal but are generated in large quantities. All parties may benefit because by exchanging value tokens that the user will not use, the user is receiving value tokens that the user will use. Additionally, an issuer and/or retailer eliminates liabilities or inventory obligations associated with redeemed value tokens, thereby freeing capital for other uses. In addition, another issuer and/or retailer can acquire customers, retain loyal customers, or increase revenue when customers spend more than the electronic value token.
如结合上述主e钱包和子钱包实施例所引用的，所公开的e钱包和子钱包方法和系统为用户提供了将位于e钱包和/或子钱包中的电子价值代币兑换成不位于所述e钱包或子钱包中的其它电子价值代币的能力。这样的价值代币兑换可由(1)e钱包用户(i)在销售点、(ii)在自助终端、(iii)通过用户的个人数字助理或智能手机、(iv)通过接入到用户的e钱包的网站、(v)或访问用户的e钱包的任何其它方法；或者(2)由e钱包处理系统的e钱包规则应用发起，其中该规则由(i)e钱包用户、(ii)e钱包提供者、(iii)或它们的组合建立。As referenced in conjunction with the above-described master e-wallet and sub-wallet embodiments, the disclosed e-wallet and sub-wallet methods and systems provide users with the ability to exchange electronic value tokens located in e-wallets and/or sub-wallets into The ability to hold other electronic tokens of value in wallets or sub-wallets. Such value token redemptions can be made by (1) eWallet users (i) at point-of-sale, (ii) at kiosks, (iii) via the user's personal digital assistant or smartphone, (iv) via access to the user's e-wallet wallet's website, (v) or any other method of accessing the user's e-wallet; or (2) initiated by the e-wallet rule application of the e-wallet processing system, wherein the rule is initiated by (i) the e-wallet user, (ii) the e-wallet provider, (iii) or a combination thereof.
在至少一个实施例中，将位于e钱包中的与第一零售商相关联的第一价值代币兑换成不位于e钱包中的与第二零售商相关联的第二价值代币需要应用兑换率。该兑换率可以应用到兑换中要获得的第二价值代币的价值，因此减小第二价值代币的面值与兑换第二价值代币的第一价值代币的价值有关，或者兑换率可以应用到位于e钱包中的某些其它有价值资产(如由任何相关规则或指令或规定的)。兑换率可由e钱包处理系统实现和/或与指定卖主、商家和发行者共享。In at least one embodiment, exchanging a first value token associated with a first retailer located in an e-wallet for a second value token associated with a second retailer not located in the e-wallet requires Apply the exchange rate. The conversion rate may be applied to the value of the second value token to be obtained in the exchange, so that reducing the face value of the second value token is related to the value of the first value token in exchange for the second value token, or the conversion rate may be Applied to certain other assets of value located in the e-wallet (as prescribed by any relevant rules or directives or regulations). Exchange rates can be implemented by the e-wallet processing system and/or shared with designated vendors, merchants and issuers.
兑换率可通过由e钱包处理系统或关联实体操作的持续的估值程序建立，包括跟踪电子价值代币、礼品卡(或其它类似票据)的使用和利息、此类电子价值代币、礼品卡(或其它类似票据)从其他e钱包用户或其他来源的收购、以及e钱包处理系统可用以并入电子价值代币兑换程序的所有此类电子价值代币和礼品卡类票据的动态变化的价值的建立。The conversion rate may be established through an ongoing valuation process operated by the e-wallet processing system or an associated entity, including tracking the use and interest of electronic value tokens, gift cards (or other similar instruments), such electronic value tokens, gift cards (or other similar instruments) acquisitions from other e-wallet users or other sources, and the dynamically changing value of all such electronic value tokens and gift card-like instruments that the e-wallet processing system may use to incorporate into the electronic value token exchange program of establishment.
上述电子价值代币兑换程序可通过以下讨论例示。e钱包用户可以在零售商A的店铺处理与自助终端189相关联的e钱包。e钱包用户与自助终端189交接并且向自助终端提供e钱包识别信息(例如，如本文的表1中所述的“accountid”)。识别信息的提供可通过由自助终端用户的人工输入来进行，或者可以通过e钱包用户的个人数字助理(或代理卡200)和自助终端189之间的通信自动进行。e钱包用户然后可以使用自助终端189访问e钱包的电子价值代币兑换程序并且自助终端189可以进一步用来便利化和完成任何所要求的电子价值代币兑换。在一个实施例中，e钱包用户可能希望将包含在用户的e钱包(或其子钱包)中的由零售商B发行和/或接受的电子价值代币兑换成由零售商A发行和/或接受的电子价值代币。e钱包用户与自助终端189交接可导致向e钱包用户呈现诸如图6C所示的显示画面。除了使e钱包用户能够浏览e钱包的内容之外，显示器还允许e钱包用户从可用功能中选择“兑换”选项卡。“兑换”选项卡然后将为e钱包用户呈现可用于电子价值代币兑换的选项。如图6D所示，此类选项可包括：(1)查看可用于收购的一系列电子价值代币；(2)查看目前位于e钱包中的一系列电子价值代币；(3)查看用于收购的所识别的电子价值代币的各种兑换率，其基于选择从e钱包取出(兑换)的电子价值代币而计算(兑换率可根据选择用于兑换的电子价值代币的类型/零售商而变化)；(4)查看用于满足兑换率的选项(例如，(i)被选择的用于收购的电子价值代币的价值的减少以满足兑换率或者(ii)将兑换率的数额应用于位于e钱包中的某些其它资产例如信用卡价值代币或借记卡价值代币)；(5)查看用于递送被选择用于收购的电子价值代币的一系列选项，例如(i)递送到e钱包(或子钱包)中，(ii)经由电子邮件、SMS、社交媒体或其它电子方法递送到个人数字助理或计算机，(iii)在自助终端或其它用户选择的打印装置处打印出电子价值代币的有形版本(例如，通过打印在收据类载体(capability)上，如美国专利申请No.12/719,741中所述，该申请全文以引用方式并入本文中)。用户可以响应于在每一个上述画面中提供的信息而做出期望的选择，因为每一个所述画面查看选项都包括允许选择所显示的选项的功能。在该示例中，用户选择将位于e钱包中的零售商B的$25.00电子价值代币兑换成零售商A的电子价值代币。结果，如果用户选择将兑换率应用于零售商A的电子价值代币的价值，电子价值代币兑换程序提示自助终端189显示所请求的兑换将导致用户获得金额$24.75的零售商A的电子价值代币(兑换率将因交易不同而不同，兑换率可以是任何值，例如，$0.001至$10.00，或者在该范围以下、之内或以上的任何值)。用户进行这样的选择。电子价值代币兑换程序提示自助终端189显示可用的递送方法，并且用户选择递送到e钱包中。电子价值代币兑换程序提示自助终端189显示类似于图6C的另一个画面，但指示e钱包此时包含金额$24.75的零售商A的电子价值代币。The electronic value token redemption procedure described above can be exemplified by the following discussion. The e-wallet user may dispose of the e-wallet associated with the kiosk 189 at Retailer A's store. The e-wallet user interfaces with the kiosk 189 and provides the e-wallet identification information (eg, "accountid" as described in Table 1 herein) to the kiosk. The provision of identifying information may be by manual entry by the kiosk user, or may be automated by communication between the e-wallet user's personal digital assistant (or proxy card 200 ) and the kiosk 189 . The e-wallet user may then use the kiosk 189 to access the e-wallet's electronic value token exchange program and the kiosk 189 may further be used to facilitate and complete any requested electronic value token exchange. In one embodiment, an e-wallet user may wish to exchange electronic value tokens issued and/or accepted by retailer B contained in the user's e-wallet (or a sub-wallet thereof) for electronic value tokens issued and/or accepted by retailer A Electronic value tokens accepted. Interfacing the e-wallet user with the kiosk 189 may result in the e-wallet user being presented with a display such as that shown in Figure 6C. In addition to enabling the e-wallet user to browse the contents of the e-wallet, the display also allows the e-wallet user to select the "Exchange" tab from the available functions. The "Exchange" tab will then present the e-Wallet user with options available for electronic value token exchange. As shown in Figure 6D, such options may include: (1) viewing a list of electronic value tokens available for acquisition; (2) viewing a list of electronic value tokens currently in e-wallets; (3) viewing a list of electronic value tokens for Various exchange rates for acquired identified electronic value tokens calculated based on the electronic value tokens selected to be withdrawn (converted) from the e-wallet (exchange rates may vary depending on the type/retail of electronic value tokens selected for exchange) (4) review the options for meeting the exchange rate (e.g., (i) the reduction in the value of the electronic value token selected for acquisition to meet the exchange rate or (ii) the amount by which the exchange rate will be Applies to certain other assets located in e-wallets such as credit card value tokens or debit card value tokens); (5) View a range of options for delivery of electronic value tokens selected for acquisition, such as (i ) into an e-wallet (or sub-wallet), (ii) via email, SMS, social media, or other electronic means to a personal digital assistant or computer, (iii) printed at a kiosk or other user-selected printing device A tangible version of the electronic token of value (eg, by printing on a receipt-like capability, as described in US Patent Application No. 12/719,741, which is hereby incorporated by reference in its entirety). A user can make desired selections in response to the information provided in each of the above screens, since each of the screen viewing options includes functionality that allows selection of the displayed options. In this example, the user chooses to exchange Retailer B's $25.00 electronic value token located in the e-Wallet for Retailer A's electronic value token. As a result, if the user elects to apply the exchange rate to the value of Retailer A's electronic value token, the electronic value token exchange program prompts kiosk 189 to display that the requested exchange will result in the user receiving Retailer A's electronic value token in the amount of $24.75. currency (the exchange rate will vary from transaction to transaction, and the exchange rate can be any value, eg, $0.001 to $10.00, or any value below, within, or above that range). The user makes such a selection. The electronic value token redemption program prompts the kiosk 189 to display available delivery methods, and the user selects delivery to an e-wallet. The electronic value token exchange program prompts the kiosk 189 to display another screen similar to FIG. 6C , but indicating that the e-wallet now contains Retailer A's electronic value token in the amount of $24.75.
作为上述“兑换”交易的结果，e钱包用户收到其期望的零售商A的电子价值代币，并且电子价值代币兑换程序收到零售商B的$25.00电子价值代币。作为上述交易的一部分，电子价值代币兑换程序联系零售商A的电子价值代币的电子价值代币发行实体(例如，在一个实施例中，零售商A的电子价值代币的发行实体可以是电子价值代币兑换程序2000)并且请求提供零售商A的$24.75电子价值代币以满足e钱包用户的请求；备选地，电子价值代币兑换程序修改其已经控制的零售商A的电子价值代币，例如，将零售商A的$25.00电子价值代币修改至仅值$24.75并且告知零售商A的电子价值代币的发行实体其可以将其与所述卡相关联的负债减少$0.25。此外，电子价值代币兑换程序2000将联系零售商B的电子价值代币发行者并为发行者提供合适的零售商B的$25.00电子价值代币标识，使得发行者能从其负债列表中移除零售商B的$25.00电子价值代币。因此，最为最终结果，电子价值代币兑换程序的活动导致可按照所建立的合同义务分配给各利益相关方的$0.25的价值(兑换率，即，由请求用户所获得的电子价值代币与作为兑换的一部分由请求用户所交出的电子价值代币的价值差)。As a result of the "exchange" transaction described above, the e-wallet user receives its desired electronic value token from Retailer A, and the electronic value token redemption program receives $25.00 in electronic value token from Retailer B. As part of the transaction described above, the electronic value token redemption program contacts the electronic value token issuing entity of retailer A's electronic value token (for example, in one embodiment, the issuing entity of retailer A's electronic value token may be Electronic Value Token Exchange Program 2000) and requests Retailer A's $24.75 Electronic Value Token to satisfy the e-Wallet user's request; alternatively, the Electronic Value Token Exchange Program modifies Retailer A's Electronic Value Token that it already controls For example, modify Retailer A's $25.00 electronic value token to be worth only $24.75 and inform the issuing entity of Retailer A's electronic value token that it can reduce its liability associated with the card by $0.25. In addition, the Electronic Value Token Exchange Program 2000 will contact Retailer B's Electronic Value Token issuer and provide the issuer with the appropriate Retailer B's $25.00 Electronic Value Token ID so that the Issuer can be removed from its liability list Retailer B's $25.00 electronic value token. Thus, as a final result, the activity of the e-value token redemption program results in a value of $0.25 that can be assigned to various stakeholders in accordance with established contractual obligations (the exchange rate, i.e., the ratio of e-value tokens received by requesting users to A portion of the redemption is determined by the difference in value of the electronic value token surrendered by the requesting user).
在备选情景中，如果e钱包请求用户选择由位于e钱包或子钱包中的另一种资产来满足兑换率，例如信用卡电子价值代币或借记卡电子价值代币，e钱包用户将被提供与在交易中所交出的$25.00零售商A的电子价值代币匹配的$25.00零售商A的电子价值代币，并且$0.25的兑换率将通过收取信用卡电子价值代币或借记借记卡电子价值代币来实现。此类活动将借助于电子价值代币兑换程序和信用卡电子价值代币或借记卡电子价值代币之间的通信而交易，以请求将$0.25的兑换率价值支付给电子价值代币兑换程序。因此，同样作为最终结果，电子价值代币兑换程序的活动将导致$0.25的价值(兑换率)，其可以按照已建立的合同义务分配给各利益相关方。In an alternative scenario, if the e-wallet requests the user to select another asset located in the e-wallet or sub-wallet to satisfy the exchange rate, such as a credit card electronic value token or a debit card electronic value token, the e-wallet user will be Provide a $25.00 Retailer A Electronic Value Token that matches the $25.00 Retailer A Electronic Value Token surrendered in the transaction, and the exchange rate of $0.25 will be charged by charging the Credit Card Electronic Value Token or debiting the Debit Card Electronic Value Token. value tokens. Such activity will be transacted by means of communication between the e-value token exchange program and the credit card e-value token or debit card e-value token to request payment of the exchange rate value of $0.25 to the e-value token exchange program. Therefore, also as an end result, the activity of the Electronic Value Token Exchange Program will result in a value of $0.25 (exchange rate), which can be distributed to various stakeholders in accordance with established contractual obligations.
虽然在自助终端189语境下描述，但是上述电子价值代币兑换交易(或其任何所述变型)也可以在销售点处、通过具有e钱包功能的个人数字助理、或通过接入用户的e钱包的计算机来进行。Although described in the context of a self-service terminal 189, the electronic value token exchange transactions described above (or any of the described variations thereof) can also be performed at the point of sale, through a personal digital assistant with e-wallet functionality, or through access to the user's e-wallet. wallet computer to carry.
在备选的电子价值代币兑换实施例中，如此前所讨论的，e钱包可以自动地指导电子价值代币兑换活动。例如，e钱包用户可以管理e钱包，以使得当用户在零售店(例如，零售商Q)处提供e钱包以满足交易并且e钱包不含零售商Q品牌的电子价值代币时，e钱包将自动且实时地开始电子价值代币兑换过程，其中e钱包将电子价值代币兑换的请求通信至电子价值代币交易计算机150。在该示例中，e钱包用户管理e钱包，以使得与预付款服务相关联的所有电子价值代币(礼品卡类电子价值代币)位于指定的子钱包中，并且所述电子价值代币中的每一个通过优先排序系统放置/规定/指定在子钱包中，例如，最优选的电子价值代币或代币类型(例如，#1)到最不优选的电子价值代币或代币类型(例如，#22，如果在子钱包中存在22种电子价值代币)。例如，零售商M品牌的电子价值代币可以被指定为最优选的，而零售商L品牌的电子价值代币可以被指定为最不优选的。此外，在该示例中，还由指导e钱包的用户在下列情况下为e钱包设置了规则：其中，e钱包已被提供以便于在零售商处的交易，其中e钱包不包含任何所述零售商的电子价值代币(e钱包将在初始交易开始时基于在e钱包和零售商的通信装置之间交换的信息识别零售商)，例如上文所述零售商Q的情况，e钱包规则指导e钱包发起电子价值代币兑换请求并在所述请求中包括位于e钱包中的最不优选的电子价值代币(即，零售商L品牌的电子价值代币(#22))和必要时优选的电子价值代币#21、#20等的兑换，兑换成数额足以满足初始交易的额的零售商Q电子价值代币。在收到电子价值代币兑换请求之后，电子价值代币交易计算机150与诸如电子价值代币经销商的电子价值代币兑换程序2000(其为整个电子价值代币交易处理系统100的一部分)通信以实现所请求的电子价值代币兑换。所请求的电子价值代币兑换被执行，e钱包接收所请求的零售商Q品牌的电子价值代币(碰巧在进行初始交易时被使用)，并且e钱包向电子价值代币交易计算机150交出(或使其不可用，而仅用于修改)零售商L品牌的电子价值代币，其在这种情况下价值实际上超出所请求的零售商Q品牌的电子价值代币。因此，电子价值代币交易计算机150根据所提供的零售商Q品牌的电子价值代币来修改零售商L品牌的电子价值代币的价值(内部修改或通过与零售商L品牌的电子价值代币的发行系统进行通信来修改)以反映价值减少，提取用于将零售商Q品牌的电子价值代币兑换成零售商L品牌的电子价值代币的兑换率(如本文将更全面讨论的)，将交易信息通信至所有利益相关方，并且将修改价值后的零售商L品牌的价值代币返回(或使其再次可用)到用户的e钱包。In an alternative electronic value token exchange embodiment, as previously discussed, the e-wallet may automatically direct the electronic value token exchange activity. For example, an e-wallet user may manage the e-wallet such that when the user presents the e-wallet at a retail store (e.g., retailer Q) to satisfy a transaction and the e-wallet does not contain retailer Q-branded electronic value tokens, the e-wallet will The electronic value token exchange process begins automatically and in real time, wherein the e-wallet communicates a request for electronic value token exchange to the electronic value token exchange computer 150 . In this example, the e-wallet user manages the e-wallet so that all electronic value tokens (gift card type electronic value tokens) associated with the prepaid service are located in a designated sub-wallet, and the electronic value tokens in the Each of the is placed/specified/specified in a sub-wallet by a prioritization system, e.g., most preferred electronic value token or token type (e.g., #1) to least preferred electronic value token or token type ( For example, #22, if there are 22 electronic value tokens in the sub-wallet). For example, retailer M brand electronic value tokens may be designated as most preferred, while retailer L brand electronic value tokens may be designated least preferred. Also in this example, rules are set for the e-wallet by the user instructing the e-wallet where the e-wallet has been offered to facilitate transactions at a retailer where the e-wallet does not contain any of said retailer (e-Wallet will identify the retailer at the start of the initial transaction based on the information exchanged between the e-Wallet and the retailer’s communication device), such as in the case of retailer Q as described above, the e-Wallet rules guide The e-wallet initiates an electronic value token exchange request and includes in the request the least preferred electronic value token located in the e-wallet (i.e., retailer L brand electronic value token (#22)) and the preferred if necessary Exchange of Electronic Value Tokens #21, #20, etc., of Retailer Q Electronic Value Tokens in an amount sufficient to satisfy the initial transaction. After receiving the electronic value token exchange request, the electronic value token transaction computer 150 communicates with an electronic value token exchange program 2000 (which is part of the overall electronic value token transaction processing system 100), such as an electronic value token dealer To effectuate the requested electronic value token exchange. The requested electronic value token exchange is performed, the e-wallet receives the requested retailer Q-branded electronic value token (which happened to be used when making the initial transaction), and the e-wallet surrenders to the electronic value token exchange computer 150 (or make it unavailable, but only for modifying) an electronic value token of retailer L brand whose value in this case actually exceeds that of the requested retailer Q brand electronic token of value. Accordingly, the electronic value token transaction computer 150 modifies the value of the retailer L brand electronic value token based on the provided retailer Q brand electronic value token (either internally or through a transaction with the retailer L brand electronic value token). ) to reflect the reduction in value, extracting the exchange rate used to exchange retailer Q brand electronic value tokens for retailer L brand electronic value tokens (as will be discussed more fully herein), The transaction information is communicated to all interested parties, and the value token of the retailer L brand is returned (or made usable again) with the modified value to the user's e-wallet.
在备选实施例中，e钱包的电子价值代币兑换规则可能已假设e钱包关于位于e钱包中的电子价值代币的最佳可用兑换率询问电子价值代币交易计算机150并且基于该最佳兑换率而不是电子价值代币的排序进行兑换。此外，e钱包用户可以主观判断应兑换哪些价值代币以满足交易。In an alternative embodiment, the electronic value token exchange rules of the e-wallet may have assumed that the e-wallet interrogated the electronic value token transaction computer 150 about the best available exchange rate for electronic value tokens located in the e-wallet and based on the best Exchange rates rather than sorting of electronic value tokens are exchanged. In addition, e-wallet users can subjectively judge which value tokens should be exchanged to satisfy the transaction.
在一个实施例中，价值代币兑换程序2000可以调查由电子价值代币交易计算机150维护的用户的e钱包和子钱包并且向e钱包用户提出对电子价值代币兑换的报价。例如，价值代币兑换程序2000作为调查的一部分可以基于(i)e钱包的使用记录；(ii)未使用的电子价值代币在e钱包中停留的时间长度；(iii)市场上对于某些电子价值代币的需求；(iv)电子价值代币到期的日期；(v)为获得电子价值代币的促销优惠价；以及(vi)它们的组合来确定向e钱包用户报价，以将目前位于用户的e钱包/子钱包中的(多个)电子价值代币兑换成目前不在用户的e钱包/子钱包中的(多个)电子价值代币。在一个实施例中，价值代币兑换程序2000可以在兑换报价上附加如上文所述的增值/奖金奖励。在另一个实施例中，报价可包括允许用户将兑换价值金额的一部分放入储蓄钱包的选项，如下文将更全面描述的。In one embodiment, the value token exchange program 2000 may survey the user's e-wallets and sub-wallets maintained by the electronic value token exchange computer 150 and make an offer for electronic value token exchange to the e-wallet user. For example, the value token redemption program 2000 may be based on (i) e-wallet usage records; (ii) the length of time unused electronic value tokens remain in the e-wallet; demand for electronic value tokens; (iv) the date of expiry of electronic value tokens; (v) promotional discount prices for obtaining electronic value tokens; and (vi) their combination to determine the offer to e-wallet users in order to Electronic value token(s) currently located in the user's e-wallet/sub-wallet are exchanged for electronic value token(s) not currently located in the user's e-wallet/sub-wallet. In one embodiment, the value token redemption program 2000 may attach a value-added/bonus award as described above to the redemption offer. In another embodiment, the offer may include an option to allow the user to put a portion of the redemption value amount into a savings wallet, as will be described more fully below.
如结合上述主e钱包和子钱包实施例所引用的，所公开的e钱包和子钱包方法和系统使用户能够指定位于e钱包或子钱包中的价值代币的位置以及规定所述e钱包和/或子钱包的使用和/或可用性的规则。另外如本文所述，(多个)电子价值代币可从配置成允许赎回活动的子钱包(以下称为“可完全赎回的”指定的e钱包或子钱包)被移除并且放入配置用于储蓄活动的具有有限的赎回可能性的子钱包(以下称为“储蓄”指定的e钱包或子钱包)。事实上，本发明的系统有助于在电子价值代币对e钱包或子钱包可用时将(多个)电子价值代币放入“储蓄”指定的e钱包或子钱包中。As referenced in connection with the master e-wallet and sub-wallet embodiments above, the disclosed e-wallet and sub-wallet methods and systems enable a user to specify the location of value tokens located in an e-wallet or sub-wallet and to specify Rules for the use and/or availability of sub-wallets. Also as described herein, electronic value token(s) may be removed from a sub-wallet configured to allow redemption activities (hereinafter referred to as a "fully redeemable" designated e-wallet or sub-wallet) and placed into A sub-wallet with limited redemption possibilities configured for savings activities (hereinafter referred to as a "savings" designated e-wallet or sub-wallet). In fact, the system of the present invention facilitates placing electronic value token(s) into a "savings" designated e-wallet or sub-wallet when the electronic value token is available to the e-wallet or sub-wallet.
在一个实施例中，电子价值代币可以被指定用于和/或放入某些e钱包和/或子钱包中，所述钱包具有规定e钱包或子钱包将用于储蓄活动且因此不方便一般访问或用于赎回/兑换活动的规则。在一个实施例中，本文描述的电子价值代币交易处理系统100的类似的储蓄能力、功能、要求和局限性在国际申请No.PCT/US11/49338中详述和说明，该申请全文以引用方式并入本文中，此类类似的储蓄能力、功能、要求和局限性可从国际申请No.PCT/US11/49338中描述的语境修改为适用于本发明的e钱包/电子价值代币语境。In one embodiment, electronic value tokens may be earmarked for and/or placed in certain e-wallets and/or sub-wallets with provisions that the e-wallets or sub-wallets are to be used for savings activities and are therefore not convenient General access or rules for redemption/exchange activities. In one embodiment, similar savings capabilities, functions, requirements and limitations of the electronic value token transaction processing system 100 described herein are detailed and illustrated in International Application No. PCT/US11/49338, which is incorporated by reference in its entirety. Incorporated herein, such similar savings capabilities, functions, requirements and limitations may be adapted from the context described in International Application No. PCT/US11/49338 to the e-wallet/electronic value token language of the present invention territory.
至少在一些实施例中，允许用户将电子价值代币(例如，与借记卡有关的电子价值代币)从“可完全赎回的”指定的e钱包或子钱包容易地再分配到“储蓄”指定的e钱包或子钱包，反之亦然。用户可能被法律限制到从“储蓄”指定的e钱包或子钱包向“可完全赎回的”指定的e钱包或子钱包每日历月给定次数(例如，六次)的转帐。用户可以指定通过e钱包系统的网站、IVR、个人数字助理或智能手机或利用客服代表一次性转帐。用户也可以在“可完全赎回的”指定的e钱包或子钱包和“储蓄”指定的e钱包或子钱包之间建立和自动转帐。为了鼓励储蓄，可以为用户提供从“可完全赎回的”指定的e钱包或子钱包自动投入资金到“储蓄”指定的e钱包或子钱包的选项，其可以由各种交易事件触发，包括：(a)在收到直接存款后，(b)在重新加载/充值/追加交易发生时，和/或(c)以指定时间间隔(例如，每周或每月重新发生一次)。用户可以选择可用选项中的全部、一些或全不选择。此外，上述事件可以被交易，而不论“可完全赎回的”指定的或“储蓄”指定的e钱包或子钱包的当前余额是多少。用户可以能够选择载入“可完全赎回的”指定的e钱包或子钱包的电子价值代币的数额和百分比。当用户选择自动转帐的时间间隔时，用户可能够选择优选日期。用户将有在任何时间更新、编辑或以其它方式改变自动投入资金选项的灵活性。任何负的“可完全赎回的”指定的e钱包或子钱包可能需要在发起任何自动或一次性转帐到“储蓄”指定的e钱包或子钱包之前被纠正(cured)。如果自动转帐不能被完全投入资金或者根本不能被投入资金，那么任何可用金额将被从“可完全赎回的”指定的e钱包或子钱包取出放到“储蓄”指定的e钱包或子钱包并且将向e钱包用户提供描述该交易的通知。自动转帐将随后对指定的转帐选项和金额继续。In at least some embodiments, users are allowed to easily redistribute electronic value tokens (e.g., electronic value tokens associated with debit cards) from "fully redeemable" designated e-wallets or sub-wallets to "savings "Designated e-wallet or sub-wallet, and vice versa. A user may be limited by law to a given number of transfers (eg, six) per calendar month from a "savings" designated e-wallet or sub-wallet to a "fully redeemable" designated e-wallet or sub-wallet. Users can specify a one-time transfer through the e-wallet system's website, IVR, personal digital assistant or smartphone or utilize a customer service representative. Users can also establish and automatically transfer funds between "full redeemable" designated e-wallets or sub-wallets and "savings" designated e-wallets or sub-wallets. To encourage savings, users may be offered the option to automatically invest funds from a "fully redeemable" designated e-wallet or sub-wallet into a "savings" designated e-wallet or sub-wallet, which may be triggered by various transaction events, including : (a) upon receipt of a direct deposit, (b) when a reload/top-up/append transaction occurs, and/or (c) at specified intervals (e.g., reoccurring weekly or monthly). The user can select all, some, or none of the available options. Furthermore, the above events can be transacted regardless of the current balance of the "full redeemable" designated or "savings" designated e-wallets or sub-wallets. Users may be able to select the amount and percentage of electronic value tokens loaded into a "fully redeemable" designated e-wallet or sub-wallet. When the user selects the time interval for autopay, the user may be able to select a preferred date. The user will have the flexibility to update, edit or otherwise change the auto-funding options at any time. Any negative "fully redeemable" designated e-wallets or sub-wallets may need to be cured prior to initiating any automatic or one-time transfers to the "savings" designated e-wallets or sub-wallets. If the automatic transfer cannot be fully funded or cannot be funded at all, then any available amount will be withdrawn from the "full redeemable" designated e-wallet or sub-wallet into the "savings" designated e-wallet or sub-wallet and A notification describing the transaction will be provided to the e-wallet user. Autopay will then continue for the specified transfer option and amount.
上述电子价值代币交易计算机150可以在任何特定的机器上实施，该机器具有足够的处理能力、存储资源和网络吞吐能力以处理加载到其上的必要的工作量。The electronic value token transaction computer 150 described above may be implemented on any particular machine having sufficient processing power, storage resources, and network throughput to handle the necessary workload imposed upon it.
上述系统的全部或一部分可以在任何特定的一个或多个机器上实施，这些机器具有足够的处理能力、存储资源和吞吐能力以处理加载到一个或多个计算机上的必要的工作量。图5示出适合实施本文所公开的一个或多个实施例中的全部或一部分的计算机系统580。计算机系统580包括与存储装置通信的处理器582(其可被称为中央处理单元或CPU)，存储装置包括二级存储584、只读存储器(ROM)586、随机存取存储器(RAM)588、输入/输出(I/O)装置590和网络连接装置592。处理器582可实施为一个或多个CPU芯片。All or a portion of the systems described above may be implemented on any particular machine or machines having sufficient processing power, storage resources and throughput to handle the requisite workload loaded onto the one or more computers. Figure 5 illustrates a computer system 580 suitable for implementing all or a portion of one or more embodiments disclosed herein. Computer system 580 includes a processor 582 (which may be referred to as a central processing unit or CPU) in communication with storage devices, including secondary storage 584, read only memory (ROM) 586, random access memory (RAM) 588, Input/output (I/O) devices 590 and network connection devices 592 . Processor 582 may be implemented as one or more CPU chips.
应当理解，通过将可执行指令编程和/或加载到计算机系统580上，CPU 582、RAM588和ROM 586中的至少一个被改变，从而将计算机系统580部分地转变为具有本公开所教导的新颖功能的特定机器或设备。对于电气工程和软件工程领域，基本的是可通过将可执行软件加载到计算机中实施的功能可通过熟知的设计规则转化为硬件实施。在软件还是硬件中实施某概念的决策通常取决于设计的稳定性和要产生的单元数目的考虑，而不是从软件域向硬件域转换中涉及的任何问题。一般来说，仍然经受频繁改变的设计可能优选以软件实施，因为重做硬件实施比重做软件设计更加昂贵。一般来说，将大量生产的稳定的设计可以优选地以硬件实施，例如以专用集成电路(ASIC)，因为对于大量生产，运作硬件实施可以比软件实施成本低。设计往往可以以软件形式开发和测试，随后通过熟知的设计规则转换为硬布线软件指令的专用集成电路中的等效硬件实施。新ASIC控制的机器是特定机器或设备，以与其相同的方式，已经编程和/或加载了可执行指令的计算机同样也可以被视为特定机器或设备。It should be understood that by programming and/or loading executable instructions onto computer system 580, at least one of CPU 582, RAM 588, and ROM 586 is altered, thereby converting computer system 580, in part, to the novel functionality taught by this disclosure specific machine or equipment. For the fields of electrical engineering and software engineering, it is fundamental that functions that can be implemented by loading executable software into a computer can be translated into hardware implementation by well-known design rules. The decision whether to implement a concept in software or hardware usually depends on considerations of the stability of the design and the number of units to be produced, rather than any issues involved in transitioning from the software domain to the hardware domain. In general, designs that are still subject to frequent changes may be preferred to be implemented in software, since redoing a hardware implementation is more expensive than redoing a software design. In general, a stable design that will be mass-produced may preferably be implemented in hardware, such as an application-specific integrated circuit (ASIC), because a hardware implementation may be less expensive to run than a software implementation for mass production. Designs can often be developed and tested in software, and then translated by well-known design rules into an equivalent hardware implementation in an ASIC of hard-wired software instructions. In the same way that a machine controlled by a new ASIC is a specific machine or device, a computer that has been programmed and/or loaded with executable instructions may likewise be considered a specific machine or device.
二级存储584通常由一个或多个磁盘驱动器或磁带驱动器构成，并且被用于数据的非易失性存储以及RAM 588没有大到足以保持全部工作数据时的溢出数据存储装置。二级存储584可用于存储程序，当这样的程序被选择用于执行时，它们被加载到RAM 588中。ROM 586用于存储程序执行期间被读取的指令以及可能的数据。ROM 586是非易失性存储器，相对于二次存储584的更大存储器容量，ROM 586通常具有小存储器容量。RAM 588用于存储易失性数据并且可能存储指令。对ROM 586和RAM 588两者的访问通常快于二级存储584。在一些语境下，二级存储584、RAM 588和/或ROM 586可被称为计算机可读存储介质和/或非瞬时性计算机可读介质。Secondary storage 584 typically consists of one or more disk drives or tape drives and is used for non-volatile storage of data and overflow data storage when RAM 588 is not large enough to hold all working data. Secondary storage 584 may be used to store programs that are loaded into RAM 588 when such programs are selected for execution. ROM 586 is used to store instructions and possibly data that are read during program execution. ROM 586 is non-volatile memory that typically has a small memory capacity relative to the larger memory capacity of secondary storage 584 . RAM 588 is used to store volatile data and possibly instructions. Access to both ROM 586 and RAM 588 is generally faster than secondary storage 584 . In some contexts, secondary storage 584, RAM 588, and/or ROM 586 may be referred to as computer-readable storage media and/or non-transitory computer-readable media.
I/O装置590可包括打印机、视频监视器、液晶显示器(LCD)、触摸屏显示器、键盘、小键盘、开关、标度盘、鼠标、轨迹球、语音识别器、读卡器、纸带读取器或其它熟知的输入装置。I/O devices 590 may include printers, video monitors, liquid crystal displays (LCDs), touch screen displays, keyboards, keypads, switches, dials, mice, trackballs, voice recognizers, card readers, paper tape readers input device or other well-known input devices.
网络连接装置592可采取以下形式：调制解调器、调制解调器组、以太网卡、通用串行总线(USB)接口卡、串行接口、令牌环卡、光纤分布式数据接口(FDDI)卡、无线局域网(WLAN)卡、诸如码多分址(CDMA)的无线收发卡、全球移动通信系统(GSM)、长期演进(LTE)、全球互通微波接入(WiMAX)和/或其它空中接口协议无线收发卡、以及其它熟知的网络装置。这些网络连接装置592可以使处理器582能够与因特网或者一个或多个内联网通信。利用这样的网络连接，可以预期在执行上述方法步骤过程中，处理器582可以从网络接收信息，或者可以向网络输出信息。这样的信息往往表示为使用处理器582执行的指令序列，可以从网络接收并输出到网络，例如，以嵌入载波中的计算机数据信号的形式。Network connectivity device 592 may take the form of a modem, modem group, Ethernet card, universal serial bus (USB) interface card, serial interface, token ring card, fiber distributed data interface (FDDI) card, wireless local area network (WLAN) ) cards, radio cards such as Code Multiple Division Access (CDMA), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), Worldwide Interoperability for Microwave Access (WiMAX) and/or other air interface protocol radio cards, and other Well-known network devices. These network connections 592 may enable the processor 582 to communicate with the Internet or one or more intranets. With such a network connection, it is contemplated that the processor 582 may receive information from the network, or may output information to the network, during the course of performing the method steps described above. Such information, often represented as sequences of instructions executed using processor 582, may be received from and output to the network, eg, in the form of computer data signals embedded in a carrier wave.
这样的信息可包括将使用例如处理器582执行的数据或指令，可以从网络接收并输出到网络，例如，以计算机数据基带信号或嵌入载波中的信号的形式。基带信号或嵌入载波中的信号或者目前使用或将来开发的其它类型的信号可以根据本领域技术人员熟知的若干种方法生成。在一些语境下，基带信号和/或嵌入载波中的信号可被称为瞬时信号。Such information may include data or instructions to be executed using, for example, processor 582, and may be received from and output to the network, eg, in the form of a computer data baseband signal or a signal embedded in a carrier wave. Baseband signals or signals embedded in a carrier wave or other types of signals currently used or developed in the future can be generated according to several methods well known to those skilled in the art. In some contexts, a baseband signal and/or a signal embedded in a carrier wave may be referred to as a transient signal.
处理器582执行它从硬盘、软盘、光盘(这些基于不同盘的系统都可以被视为二级存储584)、ROM 586、RAM 588或网络连接装置592存取的指令、代码、计算机程序、脚本。虽然仅示出一个处理器582，但是可以存在多个处理器。因此，虽然可以把指令讨论为由某处理器执行，但是这些指令也可以由一个或多个处理器同时地、串行地或以其它方式执行。在一些语境(context)下，可以从二级存储584例如硬盘、软盘、光盘和/或其它装置、ROM 586和/或RAM 588存取的指令、代码、计算机程序、脚本和/或数据可被称为非瞬时指令和/或非瞬时信息。Processor 582 executes instructions, codes, computer programs, scripts that it accesses from hard disk, floppy disk, optical disk (these various disk-based systems can be considered secondary storage 584), ROM 586, RAM 588, or network connection 592 . Although only one processor 582 is shown, there may be multiple processors. Thus, while instructions may be discussed as being executed by a processor, these instructions may also be executed by one or more processors concurrently, serially, or otherwise. In some contexts, instructions, code, computer programs, scripts, and/or data that may be accessed from secondary storage 584, such as a hard disk, floppy disk, optical disk, and/or other device, ROM 586, and/or RAM 588, may be Known as non-transient instructions and/or non-transient information.
在一个实施例中，计算机系统580可包括彼此通信的两个或更多个计算机，它们协同执行任务。例如但不限于，应用可被划分，方式为允许该应用的指令的并发和/或并行处理。备选地，由应用处理的数据可被划分，方式为允许由两个或更多个计算机进行数据集不同部分的并发和/或并行处理。在一个实施例中，计算机系统580可采用虚拟化软件以提供许多服务器的功能，它不受计算机系统580中计算机数目的直接约束。例如，虚拟化软件可以在四个实体计算机上提供二十个虚拟服务器。在一个实施例中，通过在云计算环境中执行一个和/或多个应用，可以提供以上公开的功能。云计算可包括使用可动态伸缩的计算资源经由网络连接提供计算服务。云计算可至少部分地由虚拟化软件支持。云计算环境可由企业建立和/或可基于需求从第三方提供者租用。一些云计算环境可包括由企业拥有并操作的云计算资源以及从第三方提供者租用和/或租赁的云计算资源。In one embodiment, computer system 580 may include two or more computers in communication with each other that cooperate to perform tasks. For example, without limitation, an application may be partitioned in a manner that allows for concurrent and/or parallel processing of the application's instructions. Alternatively, data processed by an application may be partitioned in a manner that allows concurrent and/or parallel processing of different portions of a data set by two or more computers. In one embodiment, computer system 580 may employ virtualization software to provide the functionality of many servers, which is not directly bound by the number of computers in computer system 580 . For example, virtualization software can provide twenty virtual servers on four physical computers. In one embodiment, the functionality disclosed above may be provided by executing one and/or more applications in a cloud computing environment. Cloud computing may include providing computing services over network connections using dynamically scalable computing resources. Cloud computing can be supported at least in part by virtualization software. A cloud computing environment can be established by an enterprise and/or can be rented from a third-party provider on an as-needed basis. Some cloud computing environments may include cloud computing resources owned and operated by an enterprise as well as cloud computing resources leased and/or leased from third party providers.
在一个实施例中，某些或全部以上公开的功能可以被提供为计算机程序产品。计算机程序产品可包括一个或多个计算机可读存储介质，其中具有计算机可用的程序代码，以实施以上公开的功能。计算机程序产品可包括数据结构、可执行指令和其它计算机可用的程序代码。计算机程序产品可具体化在可移动的计算机存储介质和/或不可移动的计算机存储介质。可移动的计算机可读存储介质可包括但不限于于纸带、磁带、磁盘、光盘、固态存储器芯片，例如模拟磁带、光盘只读存储器(CD-ROM)盘、软盘、闪存盘、数字卡、多媒体卡等等。计算机程序产品可以适于由计算机系统580将该计算机程序产品的至少部分内容加载到计算机系统580的二级存储584、ROM 586、RAM 588和/或其它非易失性存储器和易失性存储器。处理器582可以部分地通过直接访问计算机程序产品，例如通过从插入计算机系统580的磁盘驱动器外设的CD-ROM盘读取来处理可执行指令和/或数据结构。备选地，处理器582可以通过远程访问计算机程序产品，例如通过经由网络连接装置592从远程服务器下载可执行指令和/或数据结构来处理可执行指令和/或数据结构。计算机程序产品可包括指令，其有助于将数据、数据结构、文件和/或可执行指令加载和/或复制到计算机系统580的二级存储584、ROM 586、RAM 588和/或其它非易失性存储器和易失性存储器。In one embodiment, some or all of the functionality disclosed above may be provided as a computer program product. A computer program product may include one or more computer readable storage media having computer usable program code therein to implement the functions disclosed above. A computer program product may include data structures, executable instructions, and other computer-usable program code. A computer program product can be embodied on a removable computer storage medium and/or a non-removable computer storage medium. Removable computer readable storage media may include, but are not limited to, paper tape, magnetic tape, magnetic disk, optical disk, solid state memory chips such as analog magnetic tape, compact disk read only memory (CD-ROM) disks, floppy disks, flash drives, digital cards, Multimedia cards and more. The computer program product may be adapted to be loaded by computer system 580 at least a portion of the computer program product into secondary storage 584 , ROM 586 , RAM 588 and/or other non-volatile and volatile memory of computer system 580 . Processor 582 may process executable instructions and/or data structures, in part, by directly accessing the computer program product, for example, by reading from a CD-ROM disk inserted into a disk drive peripheral of computer system 580 . Alternatively, processor 582 may process executable instructions and/or data structures by remotely accessing the computer program product, eg, by downloading executable instructions and/or data structures from a remote server via network connection 592 . A computer program product may include instructions that facilitate loading and/or copying of data, data structures, files, and/or executable instructions to secondary storage 584, ROM 586, RAM 588, and/or other non-volatile storage of computer system 580. volatile memory and volatile memory.
在一些语境下，二级存储584、ROM 586和/或RAM 588可被称为非瞬时性计算机可读介质或计算机可读存储介质。同样，RAM 588的动态RAM实施例可被称为非瞬时性计算机可读介质，因为虽然动态RAM接收电能并且按照其设计操作，例如在计算机580开启且可操作期间的一段时间内，但是动态RAM存储写入其上的信息。类似地，处理器582可包括内部RAM、内部ROM、高速缓存存储器和/或其它内部非瞬时性存储块、部段或部件，它们在一些语境中可被称为非瞬时性计算机可读介质或计算机可读存储介质。In some contexts, secondary storage 584, ROM 586, and/or RAM 588 may be referred to as non-transitory computer-readable media or computer-readable storage media. Likewise, the dynamic RAM embodiment of RAM 588 may be referred to as a non-transitory computer-readable medium because while dynamic RAM receives power and operates as it is designed to, for example, for a period of time while computer 580 is on and operational, dynamic RAM Stores information written on it. Similarly, processor 582 may include internal RAM, internal ROM, cache memory, and/or other internal non-transitory memory blocks, sections or components, which may in some contexts be referred to as non-transitory computer readable media or computer readable storage media.
在所提供的各个过程、数据流和流程图中的步骤的排序是为了说明目的，而不一定体现各个步骤必须执行的次序。各步骤可以在不同的实施例中以不同的次序重新排列，以反映实施系统的实体的需求、期望和偏好。而且，在一些实施例中，许多步骤可与其它步骤同时执行。The ordering of steps in the various processes, data flows, and flowcharts presented is for illustrative purposes and does not necessarily imply the order in which the various steps must be performed. The steps may be rearranged in different order in different embodiments to reflect the needs, desires and preferences of the entity implementing the system. Also, in some embodiments, many steps may be performed concurrently with other steps.
另外，在不脱离本公开的范围的情况下，在各种实施例中描述和示出为离散或单独的技术、系统、子系统和方法可以与其它系统、模块、技术或方法组合或者整合。示出或讨论为彼此直接联接或通信的其它项目可以通过一些接口或装置联接，使得各项目可以不再被看作直接联接到彼此，但是仍可以彼此间接地联接和通信，而不论是以电气方式、机械方式或其它方式。在不脱离所公开的精神和范围的情况下，本领域技术人员可以发现并作出变化、替换和改变的其它示例。以下编号的条目表示本发明所公开的主题的示例性实施例的不完全集合：In addition, techniques, systems, subsystems and methods described and shown in various embodiments as discrete or separate may be combined or integrated with other systems, modules, techniques or methods without departing from the scope of the present disclosure. Other items shown or discussed as being directly coupled or communicating with each other may be coupled by some interface or means such that the items can no longer be viewed as being directly coupled to each other, but may still be indirectly coupled and communicating with each other, whether electrically by means, mechanical or otherwise. Other examples of changes, substitutions, and changes can be found and made by those skilled in the art without departing from the spirit and scope of the disclosure. The following numbered items represent a non-exhaustive collection of exemplary embodiments of the presently disclosed subject matter:
1.一种计算机实施的方法，包括：1. A computer-implemented method comprising:
接收处理针对电子钱包的支付交易的请求；receive requests to process payment transactions for electronic wallets;
识别所述请求的验证信息；Authentication information identifying the request;
识别所述电子钱包中的价值代币；以及identifying tokens of value in said e-wallet; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
2.根据1的方法，还包括：2. According to the method of 1, it also includes:
接受验证令牌以访问所述电子钱包。Accept an authentication token to access said Wallet.
3.根据2的方法，其中所述验证信息基于所述验证令牌，其中所述验证令牌包括代理卡、移动装置、密码、生物识别标识符、或它们的组合。3. The method of 2, wherein the verification information is based on the verification token, wherein the verification token comprises a proxy card, mobile device, password, biometric identifier, or a combination thereof.
4.根据1的方法，其中所述电子钱包包括主钱包和子钱包。4. The method according to 1, wherein the electronic wallet includes a main wallet and a sub-wallet.
5.根据4的方法，还包括：5. The method according to 4, further comprising:
经由所述主钱包处理所述请求的至少一部分。At least a portion of the request is processed via the master wallet.
6.根据4的方法，还包括：6. The method according to 4, further comprising:
经由所述子钱包处理所述请求的至少一部分。At least a portion of the request is processed via the sub-wallet.
7.根据4的方法，其中所述主钱包包括所述价值代币，所述方法还包括：7. The method of 4, wherein said master wallet includes said value token, said method further comprising:
确定所述请求与所述主钱包有关；以及determining that the request relates to the master wallet; and
确定所述价值代币能够满足所述请求。It is determined that the value token is capable of satisfying the request.
8.根据7的方法，其中应用所述价值代币的至少一部分包括将所述主钱包的所述价值代币的至少一部分应用到所述请求。8. The method of 7, wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the master wallet to the request.
9.根据4的方法，其中所述子钱包包括所述价值代币，所述方法还包括：9. The method according to 4, wherein said sub-wallet includes said value token, said method further comprising:
确定所述请求与所述子钱包有关；以及determining that the request relates to the sub-wallet; and
确定所述价值代币能够满足所述请求。It is determined that the value token is capable of satisfying the request.
10.根据9的方法，其中应用所述价值代币的至少一部分包括将所述子钱包的所述价值代币的至少一部分应用到所述请求。10. The method of 9, wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the sub-wallet to the request.
11.根据4的方法，其中所述电子钱包包括两个或更多个价值代币，其中所述主钱包包括所述两个或更多个价值代币中的至少一个，其中所述子钱包包括所述两个或更多个价值代币中的至少另一个。11. The method according to 4, wherein said electronic wallet includes two or more value tokens, wherein said main wallet includes at least one of said two or more value tokens, wherein said sub-wallet At least one other of the two or more value tokens is included.
12.根据11的方法，还包括：12. The method according to 11, further comprising:
确定所述请求的一部分与所述主钱包有关；以及determining that a portion of the request relates to the master wallet; and
确定所述请求的另一部分与所述子钱包有关。Another part of the request is determined to be related to the sub-wallet.
13.根据12的方法，还包括：13. The method according to 12, further comprising:
将所述主钱包的价值代币的至少一部分应用到所述请求；以及applying at least a portion of the primary wallet's value tokens to the request; and
将所述子钱包的价值代币的至少一部分应用到所述请求。Applying at least a portion of the sub-wallet's value token to the request.
14.根据8或13的方法，其中所述主钱包的所述价值代币按照所述主钱包或所述请求的规则被应用到所述请求。14. The method according to 8 or 13, wherein said value token of said master wallet is applied to said request according to the rules of said master wallet or said request.
15.根据10或13的方法，其中所述子钱包的所述价值代币按照所述子钱包或所述请求的规则被应用到所述请求。15. The method according to 10 or 13, wherein said value token of said sub-wallet is applied to said request according to the rules of said sub-wallet or said request.
16.根据4的方法，其中聚合器系统接收所述请求，所述方法还包括：16. The method according to 4, wherein the aggregator system receives the request, the method further comprising:
确定所述请求的至少一部分可以在所述子钱包中处理；以及determining that at least a portion of the request can be processed in the sub-wallet; and
将所述请求的所述部分从所述聚合器系统发送给第三方。The portion of the request is sent from the aggregator system to a third party.
17.根据1的方法，其中所述请求包括：销售终端的身份标识；验证信息；购买金额；所述价值代币发行者的身份标识；卖主的身份标识；地点的身份标识；所述请求的时间；所述请求的日期；识别主钱包、子钱包或它们的组合的信息；交易数据；验证数据；或它们的组合。17. The method according to 1, wherein the request includes: the identity of the sales terminal; verification information; purchase amount; the identity of the issuer of the value token; the identity of the seller; the identity of the place; time; date of said request; information identifying the master wallet, sub-wallet, or a combination thereof; transaction data; verification data; or a combination thereof.
18.根据1的方法，其中所述价值代币包括价值的电子表示，其中所述价值的电子表示包括信用卡、借记卡、礼品卡、预付电话卡、忠诚卡、会员卡、票或票卡、娱乐卡、运动卡、预付卡、优惠券、入场证、预付或预购的商品或服务、现金、货币、信用卡帐户、借记卡帐户、商家帐户、银行帐户、商家发行的信用、商家发行的积分、商家发行的促销价值、商家接受的信用、商家接受的积分、商家接受的促销价值、或它们的组合。18. The method according to 1, wherein said value token comprises an electronic representation of value, wherein said electronic representation of value comprises a credit card, debit card, gift card, prepaid phone card, loyalty card, membership card, ticket or ticket, Entertainment cards, sports cards, prepaid cards, coupons, admission passes, prepaid or pre-purchased goods or services, cash, currency, credit card accounts, debit card accounts, merchant accounts, bank accounts, merchant-issued credit, merchant-issued Points, merchant-issued promotional value, merchant-accepted credit, merchant-accepted points, merchant-accepted promotional value, or a combination thereof.
19.根据18的方法，其中所述价值代币还包括具有不同类型的至少两种价值的电子表示。19. The method of 18, wherein the value token further comprises electronic representations of at least two values of different types.
20.根据1的方法，其中所述价值代币包括闭环帐号，其中应用所述价值代币的至少一部分包括贷记或借记与所述闭环帐号相关联的闭环帐户。20. The method of 1, wherein the value token comprises a closed loop account number, wherein applying at least a portion of the value token comprises crediting or debiting a closed loop account associated with the closed loop account number.
21.根据1的方法，其中所述价值代币包括开环帐号，其中应用所述价值代币的至少一部分包括贷记或借记与所述开环帐号相关联的开环帐户。21. The method of 1, wherein the value token comprises an open loop account number, wherein applying at least a portion of the value token comprises crediting or debiting an open loop account associated with the open loop account number.
22.根据1的方法，其中应用所述价值代币的至少一部分包括根据指定所述价值代币的优先级的一组可配置的规则使用所述价值代币。22. The method of 1, wherein applying at least a portion of the value tokens comprises using the value tokens according to a configurable set of rules specifying priorities for the value tokens.
23.根据22的方法，其中所述优先级基于包括下列的交易信息变量：发起所述电子钱包请求的零售商的物理地点；交易量；零售商的类型；当日时间；星期几；月的哪个周；年的哪个月份；发起所述电子钱包请求的零售商的部门；发起所述电子钱包请求的零售商的通道；检验员的标识；发起所述电子钱包请求的零售商的母公司；价值代币的价值；所述电子钱包请求的类型；或它们的组合。23. The method according to 22, wherein said priority is based on transaction information variables comprising: physical location of retailer who initiated said e-wallet request; transaction volume; type of retailer; time of day; day of week; week; month of year; department of retailer originating said e-wallet request; channel of retailer originating said e-wallet request; identity of inspector; parent company of retailer initiating said e-wallet request; value The value of the token; the type of wallet request in question; or a combination thereof.
24.根据1的方法，其中应用所述价值代币的至少一部分包括根据指定价值代币可以应用到的所述电子钱包请求的百分比的一组可配置的规则使用所述价值代币。24. The method of 1, wherein applying at least a portion of the value token comprises using the value token according to a set of configurable rules specifying a percentage of the e-wallet requests to which a value token may be applied.
25.根据1的方法，还包括：25. The method according to 1, further comprising:
检查与所述电子钱包相关联的规则。Check the rules associated with the wallet.
26.根据25的方法，其中检查规则包括：26. The method according to 25, wherein the checking rules include:
检查所述价值代币的优先级。Check the priority of said value token.
27.根据25的方法，其中检查规则包括：27. The method according to 25, wherein the checking rules include:
检查所述请求的百分比；Check the percentage of said request;
其中应用所述价值代币的至少一部分包括根据所述百分比将所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token includes applying at least a portion of the value token to the request according to the percentage.
28.根据1的方法，其中所述电子钱包包括与闭环有关的价值代币和与开环有关的价值代币，所述方法还包括：28. The method according to 1, wherein said e-wallet includes value tokens associated with closed loops and value tokens associated with open loops, said method further comprising:
选择所述与闭环有关的价值代币；以及select said value tokens in relation to the closed loop; and
然后选择所述与开环有关的价值代币。Then select said value token related to the open loop.
29.根据1的方法，其中所述电子钱包包括与开环有关的价值代币，所述方法还包括：29. The method according to 1, wherein said e-wallet includes value tokens associated with an open loop, said method further comprising:
阻止将所述与开环有关的价值代币应用到所述请求。Blocking the application of the open-loop-related value token to the request.
30.根据1的方法，还包括：30. The method according to 1, further comprising:
将所述电子钱包的所述价值代币的至少一部分兑换成不位于所述电子钱包中的第二价值代币的至少一部分。exchanging at least a portion of the value tokens of the electronic wallet for at least a portion of a second value token not located in the electronic wallet.
31.根据30的方法，还包括：31. The method according to 30, further comprising:
将兑换率应用于所述第二价值代币或位于所述电子钱包中的财产。An exchange rate is applied to the second value token or property located in the electronic wallet.
32.根据30的方法，其中兑换所述价值代币的至少一部分包括：32. The method according to 30, wherein exchanging at least a portion of said value tokens comprises:
联系第二价值代币经销商；以及Contact the Second Value Token Dealer; and
请求所述第二价值代币经销商提供所述第二价值代币。The second value token dealer is requested to provide the second value token.
33.根据1的方法，其中所述电子钱包包括第一子钱包和第二子钱包，其中所述第一子钱包包括所述价值代币，所述方法还包括：33. The method according to 1, wherein said electronic wallet includes a first sub-wallet and a second sub-wallet, wherein said first sub-wallet includes said value token, said method further comprising:
将所述第一子钱包的所述价值代币放入所述第二子钱包中。Put the value token of the first sub-wallet into the second sub-wallet.
34.根据1的方法，还包括：34. The method according to 1, further comprising:
提供具有所述价值代币的所述电子钱包。The electronic wallet is provided with the value token.
35.根据34的方法，其中所述价值代币以不同于购买价格的金额提供。35. The method of 34, wherein the value token is provided at an amount different from the purchase price.
36.根据34的方法，其中提供所述电子钱包包括用优惠券代码对所述价值代币编码。36. The method of 34, wherein providing the electronic wallet includes encoding the value token with a coupon code.
37.根据34的方法，其中提供所述电子钱包包括将所述价值代币添加到所述电子钱包。37. The method of 34, wherein providing the electronic wallet includes adding the value token to the electronic wallet.
38.根据1的方法，其中所述电子钱包包括储蓄指定的子钱包，所述方法还包括：38. The method according to 1, wherein said electronic wallet includes a savings-designated sub-wallet, said method further comprising:
将所述价值代币的至少一部分放入所述储蓄指定的子钱包。placing at least a portion of said value tokens into a sub-wallet designated by said savings.
39.一种计算机实施的方法，包括：39. A computer implemented method comprising:
接收处理针对电子钱包的支付交易的请求；receive requests to process payment transactions for electronic wallets;
确定所述请求包含有效验证信息；determining that the request contains valid authentication information;
确定与所述电子钱包相关联的价值代币或价值代币的组合能够满足所述请求；以及determining that a value token or combination of value tokens associated with the electronic wallet is capable of satisfying the request; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
40.根据39的方法，还包括：40. The method according to 39, further comprising:
接受验证令牌以访问所述电子钱包。Accept an authentication token to access said Wallet.
41.根据40的方法，其中所述验证信息基于所述验证令牌，其中所述验证令牌包括代理卡、移动装置、密码、生物识别标识符、或它们的组合。41. The method of 40, wherein the verification information is based on the verification token, wherein the verification token comprises a proxy card, mobile device, password, biometric identifier, or a combination thereof.
42.根据39的方法，其中所述电子钱包包括主钱包和子钱包。42. The method according to 39, wherein said electronic wallet includes a master wallet and a sub-wallet.
43.根据42的方法，还包括：43. The method according to 42, further comprising:
经由所述主钱包处理所述请求的至少一部分。At least a portion of the request is processed via the master wallet.
44.根据43的方法，还包括：44. The method according to 43, further comprising:
经由所述子钱包处理所述请求的至少另一部分。At least another portion of the request is processed via the sub-wallet.
45.根据42的方法，其中所述主钱包包括所述价值代币，所述方法还包括：45. The method according to 42, wherein said master wallet includes said value token, said method further comprising:
确定所述请求与所述主钱包有关；determining that the request is related to the master wallet;
其中应用所述价值代币的至少一部分包括将所述主钱包的所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the master wallet to the request.
46.根据42的方法，其中所述子钱包包括所述价值代币，所述方法还包括：46. The method according to 42, wherein said sub-wallet includes said value token, said method further comprising:
确定所述请求与所述子钱包有关；determining that the request is related to the sub-wallet;
其中应用所述价值代币的至少一部分包括将所述子钱包的所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token includes applying at least a portion of the value token of the sub-wallet to the request.
47.根据42的方法，其中所述电子钱包包括两个或更多个价值代币，其中所述主钱包包括所述两个或更多个价值代币中的至少一个，其中所述子钱包包括所述两个或更多个价值代币中的至少另一个。47. The method according to 42, wherein said electronic wallet includes two or more value tokens, wherein said main wallet includes at least one of said two or more value tokens, wherein said sub-wallet At least one other of the two or more value tokens is included.
48.根据47的方法，还包括：48. The method according to 47, further comprising:
确定所述请求的一部分与所述主钱包有关；以及determining that a portion of the request relates to the master wallet; and
确定所述请求的另一部分与所述子钱包有关。Another part of the request is determined to be related to the sub-wallet.
49.根据48的方法，还包括：49. The method according to 48, further comprising:
将所述主钱包的价值代币的至少一部分应用到所述请求；以及applying at least a portion of the primary wallet's value tokens to the request; and
将所述子钱包的价值代币的至少一部分应用到所述请求。Applying at least a portion of the sub-wallet's value token to the request.
50.根据45或49的方法，其中所述主钱包的所述价值代币按照所述主钱包或所述请求的规则被应用到所述请求。50. The method according to 45 or 49, wherein said value tokens of said master wallet are applied to said request according to the rules of said master wallet or said request.
51.根据46或49的方法，其中所述子钱包的所述价值代币按照所述子钱包或所述请求的规则被应用到所述请求。51. The method according to 46 or 49, wherein said value tokens of said sub-wallet are applied to said request according to the rules of said sub-wallet or said request.
52.根据42的方法，其中聚合器系统接收所述请求，所述方法还包括：52. The method according to 42, wherein the aggregator system receives the request, the method further comprising:
确定所述请求的至少一部分可以在所述子钱包中处理；以及determining that at least a portion of the request can be processed in the sub-wallet; and
将所述请求的所述部分从所述聚合器系统发送给第三方。The portion of the request is sent from the aggregator system to a third party.
53.一种用于电子钱包系统中的子钱包的方法，所述方法包括：53. A method for a sub-wallet in an electronic wallet system, the method comprising:
从主钱包的提供者接收处理针对电子钱包的支付交易的请求；receiving a request from the provider of the master wallet to process a payment transaction for the electronic wallet;
确定价值代币能够满足所述请求；以及determine that value tokens are capable of satisfying said request; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
54.根据53的方法，还包括：54. The method according to 53, further comprising:
确定所述请求与所述子钱包有关；determining that the request is related to the sub-wallet;
其中应用所述价值代币的至少一部分包括将所述子钱包的所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token includes applying at least a portion of the value token of the sub-wallet to the request.
55.根据53的方法，其中所述子钱包包括子-子钱包。55. The method according to 53, wherein said sub-wallets comprise sub-sub-wallets.
56.根据55的方法，还包括：56. The method according to 55, further comprising:
确定所述请求与所述子-子钱包有关；以及determining that the request relates to the sub-sub-wallet; and
其中应用所述价值代币的至少一部分包括将所述子-子钱包的所述价值代币应用到所述请求。Wherein applying at least a portion of the value token includes applying the value token of the sub-sub-wallet to the request.
57.根据55的方法，还包括：57. The method according to 55, further comprising:
确定所述请求的一部分与所述子钱包有关；以及determining that a portion of the request relates to the sub-wallet; and
确定所述请求的另一部分与所述子-子钱包有关。Another portion of the request is determined to be related to the sub-sub-wallet.
58.根据55的方法，其中所述子钱包包括两个或更多个价值代币，其中所述子钱包包括所述两个或更多个价值代币中的至少一个，其中所述子-子钱包包括所述两个或更多个价值代币中的至少另一个。58. The method according to 55, wherein said sub-wallet includes two or more value tokens, wherein said sub-wallet includes at least one of said two or more value tokens, wherein said sub- A sub-wallet includes at least one other of the two or more value tokens.
59.根据58的方法，还包括：59. The method according to 58, further comprising:
将所述子钱包的价值代币的至少一部分应用到所述请求；以及applying at least a portion of the sub-wallet's value token to the request; and
将所述子-子钱包的价值代币的至少一部分应用到所述请求。Applying at least a portion of the value token of the sub-sub-wallet to the request.
60.根据54或59的方法，其中所述子钱包的所述价值代币按照所述子钱包或所述请求的规则被应用到所述请求。60. The method according to 54 or 59, wherein said value tokens of said sub-wallet are applied to said request according to the rules of said sub-wallet or said request.
61.根据56或59的方法，其中所述子-子钱包的所述价值代币按照所述子-子钱包或所述请求的规则被应用到所述请求。61. The method according to 56 or 59, wherein said value token of said sub-sub-wallet is applied to said request according to the rules of said sub-sub-wallet or said request.
62.一种用于管理电子钱包的内容的方法，包括：62. A method for managing the contents of an electronic wallet, comprising:
接收与电子钱包有关的请求，其中所述请求包括电子钱包请求、余额查询请求、注册请求、激活请求、赎回请求、或它们的组合；以及receiving a request related to an e-wallet, wherein the request includes an e-wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
根据所述请求管理所述电子钱包的所述内容。The content of the electronic wallet is managed according to the request.
63.根据62的方法，其中管理所述内容包括：63. The method according to 62, wherein managing said content comprises:
将所述电子钱包的价值代币的至少一部分兑换成不位于所述电子钱包中的第二价值代币的至少一部分。exchanging at least a portion of the value tokens of the electronic wallet for at least a portion of a second value token not located in the electronic wallet.
64.根据63的方法，还包括：64. The method according to 63, further comprising:
将兑换率应用于所述第二价值代币或位于所述电子钱包中的财产。An exchange rate is applied to the second value token or property located in the electronic wallet.
65.根据63的方法，其中兑换所述价值代币的至少一部分包括：65. The method according to 63, wherein exchanging at least a portion of said value tokens comprises:
联系所述第二价值代币的第二价值代币经销商；以及contact a second value token dealer for said second value token; and
请求所述第二价值代币经销商提供所述第二价值代币。The second value token dealer is requested to provide the second value token.
66.根据62的方法，其中所述电子钱包包括第一子钱包和第二子钱包，其中所述第一子钱包包括价值代币，所述方法还包括：66. The method according to 62, wherein said electronic wallet includes a first sub-wallet and a second sub-wallet, wherein said first sub-wallet includes value tokens, said method further comprising:
将所述第一子钱包的所述价值代币放入所述第二子钱包中。Put the value token of the first sub-wallet into the second sub-wallet.
67.根据62的方法，还包括：67. The method according to 62, further comprising:
提供具有所述价值代币的所述电子钱包。The electronic wallet is provided with the value token.
68.根据67的方法，其中提供所述电子钱包包括将所述价值代币添加到所述电子钱包。68. The method of 67, wherein providing the electronic wallet includes adding the value token to the electronic wallet.
69.根据67的方法，其中所述价值代币以不同于购买价格的金额提供。69. The method according to 67, wherein the value token is provided at an amount different from the purchase price.
70.根据67的方法，其中提供所述电子钱包包括用优惠券代码对所述价值代币编码。70. The method of 67, wherein providing the electronic wallet includes encoding the value token with a coupon code.
71.根据62的方法，其中所述电子钱包包括储蓄指定的子钱包，所述方法还包括：71. The method according to 62, wherein said electronic wallet includes a savings-designated sub-wallet, said method further comprising:
将价值代币的至少一部分放入所述储蓄指定的子钱包。Putting at least a portion of the value tokens into a sub-wallet designated by said savings.
72.一种包括可执行指令的非瞬时性机器可读存储介质，所述可执行指令在被执行时造成一个或多个处理器：72. A non-transitory machine-readable storage medium comprising executable instructions that, when executed, cause one or more processors to:
接收处理针对电子钱包的支付交易的请求；receive requests to process payment transactions for electronic wallets;
识别所述请求的验证信息；Authentication information identifying the request;
识别所述电子钱包中的价值代币；以及identifying tokens of value in said e-wallet; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
73.一种包括可执行指令的非瞬时性机器可读存储介质，所述可执行指令在被执行时造成一个或多个处理器：73. A non-transitory machine-readable storage medium comprising executable instructions that, when executed, cause one or more processors to:
接收处理针对电子钱包的支付交易的请求；receive requests to process payment transactions for electronic wallets;
确定所述请求包含有效验证信息；determining that the request contains valid authentication information;
确定与所述电子钱包相关联的价值代币或价值代币的组合能够满足所述请求；以及determining that a value token or combination of value tokens associated with the electronic wallet is capable of satisfying the request; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
74.一种包括可执行指令的非瞬时性机器可读存储介质，所述可执行指令在被执行时造成一个或多个处理器：74. A non-transitory machine-readable storage medium comprising executable instructions that, when executed, cause one or more processors to:
从主钱包的提供者接收处理针对电子钱包的支付交易的请求；receiving a request from the provider of the master wallet to process a payment transaction for the electronic wallet;
确定价值代币能够满足所述请求；以及determine that value tokens are capable of satisfying said request; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
75.一种包括可执行指令的非瞬时性机器可读存储介质，所述可执行指令在被执行时造成一个或多个处理器：75. A non-transitory machine-readable storage medium comprising executable instructions that, when executed, cause one or more processors to:
接收与电子钱包有关的请求，其中所述请求包括电子钱包请求、余额查询请求、注册请求、激活请求、赎回请求、或它们的组合；以及receiving a request related to an e-wallet, wherein the request includes an e-wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
根据所述请求管理所述电子钱包的所述内容。The content of the electronic wallet is managed according to the request.
76.一种系统，包括：76. A system comprising:
一个或多个处理器；one or more processors;
存储器，其联接到所述一个或多个处理器中的至少一个；a memory coupled to at least one of the one or more processors;
所述存储器包括可执行指令，所述可执行指令在被执行时造成所述一个或多个处理器：The memory includes executable instructions that, when executed, cause the one or more processors to:
接收处理针对电子钱包的支付交易的请求；receive requests to process payment transactions for electronic wallets;
识别所述请求的验证信息；Authentication information identifying the request;
识别所述电子钱包中的价值代币；以及identifying tokens of value in said e-wallet; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
77.根据76的系统，其中还使得一个或多个处理器接受验证令牌以访问所述电子钱包。77. The system of 76, wherein one or more processors are further caused to accept an authentication token to access the electronic wallet.
78.根据77的系统，其中所述验证信息基于所述验证令牌，其中所述验证令牌包括代理卡、移动装置、密码、生物识别标识符、或它们的组合。78. The system of 77, wherein the verification information is based on the verification token, wherein the verification token comprises a proxy card, mobile device, password, biometric identifier, or a combination thereof.
79.根据76的系统，其中所述电子钱包包括主钱包和子钱包。79. The system according to 76, wherein said electronic wallet includes a master wallet and a sub-wallet.
80.根据79的系统，其中所述一个或多个处理器还被致使经由所述主钱包处理所述请求的至少一部分。80. The system of 79, wherein the one or more processors are further caused to process at least a portion of the request via the master wallet.
81.根据79的系统，其中所述一个或多个处理器还被致使经由所述子钱包处理所述请求的至少一部分。81. The system of 79, wherein the one or more processors are further caused to process at least a portion of the request via the sub-wallet.
82.根据79的系统，其中所述主钱包包括所述价值代币，其中所述一个或多个处理器还被导致：82. The system according to 79, wherein said master wallet includes said value token, wherein said one or more processors are further caused to:
确定所述请求与所述主钱包有关；并且determining that the request relates to the master wallet; and
确定所述价值代币能够满足所述请求。It is determined that the value token is capable of satisfying the request.
83.根据82的系统，其中应用所述价值代币的至少一部分包括将所述主钱包的所述价值代币的至少一部分应用到所述请求。83. The system of 82, wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the master wallet to the request.
84.根据79的系统，其中所述子钱包包括所述价值代币，其中所述一个或多个处理器还被致使：84. The system according to 79, wherein said sub-wallet includes said value token, wherein said one or more processors are further caused to:
确定所述请求与所述子钱包有关；并且determining that the request relates to the sub-wallet; and
确定所述价值代币能够满足所述请求。It is determined that the value token is capable of satisfying the request.
85.根据84的系统，其中应用所述价值代币的至少一部分包括将所述子钱包的所述价值代币的至少一部分应用到所述请求。85. The system of 84, wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the sub-wallet to the request.
86.根据79的系统，其中所述电子钱包包括两个或更多个价值代币，其中所述主钱包包括所述两个或更多个价值代币中的至少一个，其中所述子钱包包括所述两个或更多个价值代币中的至少另一个。86. The system according to 79, wherein said electronic wallet includes two or more value tokens, wherein said main wallet includes at least one of said two or more value tokens, wherein said sub-wallet At least one other of the two or more value tokens is included.
87.根据86的系统，其中所述一个或多个处理器还被致使：87. The system according to 86, wherein the one or more processors are further caused to:
确定所述请求的一部分与所述主钱包有关；并且determining that a portion of the request relates to the master wallet; and
确定所述请求的另一部分与所述子钱包有关。Another part of the request is determined to be related to the sub-wallet.
88.根据87的系统，还包括：88. The system according to 87, further comprising:
将所述主钱包的价值代币的至少一部分应用到所述请求；以及applying at least a portion of the primary wallet's value tokens to the request; and
将所述子钱包的价值代币的至少一部分应用到所述请求。Applying at least a portion of the sub-wallet's value token to the request.
89.根据83或88的系统，其中所述主钱包的所述价值代币按照所述主钱包或所述请求的规则被应用到所述请求。89. The system according to 83 or 88, wherein said value tokens of said master wallet are applied to said request according to the rules of said master wallet or said request.
90.根据85或88的系统，其中所述子钱包的所述价值代币按照所述子钱包或所述请求的规则被应用到所述请求。90. The system according to 85 or 88, wherein said value tokens of said sub-wallet are applied to said request according to the rules of said sub-wallet or said request.
91.根据79的系统，其中聚合器系统接收所述请求，其中所述一个或多个处理器还被致使：91. The system according to 79, wherein the aggregator system receives the request, wherein the one or more processors are further caused to:
确定所述请求的至少一部分可以在所述子钱包中处理；并且determining that at least a portion of the request can be processed in the sub-wallet; and
将所述请求的所述部分从所述聚合器系统发送给第三方。The portion of the request is sent from the aggregator system to a third party.
92.根据76的系统，其中所述请求包括：销售终端的身份标识；验证信息；购买数额；所述价值代币发行者的身份标识；卖主的身份标识；地点的身份标识；所述请求的时间；所述请求的日期；识别主钱包、子钱包或它们的组合的信息；交易数据；验证数据；或它们的组合。92. The system according to 76, wherein said request includes: the identity of the sales terminal; verification information; purchase amount; the identity of the value token issuer; the identity of the seller; the identity of the location; time; date of said request; information identifying the master wallet, sub-wallet, or a combination thereof; transaction data; verification data; or a combination thereof.
93.根据76的系统，其中所述价值代币包括价值的电子表示，其中所述价值的电子表示包括信用卡、借记卡、礼品卡、预付电话卡、忠诚卡、会员卡、票或票卡、娱乐卡、运动卡、预付卡、优惠券、入场证、预付或预购的商品或服务、现金、货币、信用卡帐户、借记卡帐户、商家帐户、银行帐户、商家发行的信用、商家发行的积分、商家发行的促销价值、商家接受的信用、商家接受的积分、商家接受的促销价值、或它们的组合。93. The system according to 76, wherein said value token comprises an electronic representation of value, wherein said electronic representation of value comprises a credit card, debit card, gift card, prepaid phone card, loyalty card, membership card, ticket or ticket, Entertainment cards, sports cards, prepaid cards, coupons, admission passes, prepaid or pre-purchased goods or services, cash, currency, credit card accounts, debit card accounts, merchant accounts, bank accounts, merchant-issued credit, merchant-issued Points, merchant-issued promotional value, merchant-accepted credit, merchant-accepted points, merchant-accepted promotional value, or a combination thereof.
94.根据93的系统，其中所述价值代币还包括具有不同类型的至少两种价值的电子表示。94. The system according to 93, wherein said token of value further comprises electronic representations of at least two values of different types.
95.根据76的系统，其中所述价值代币包括闭环帐号，其中应用所述价值代币的至少一部分包括贷记或借记与所述闭环帐号相关联的闭环帐户。95. The system of 76, wherein the value token comprises a closed loop account number, wherein applying at least a portion of the value token comprises crediting or debiting a closed loop account associated with the closed loop account number.
96.根据76的系统，其中所述价值代币包括开环帐号，其中应用所述价值代币的至少一部分包括贷记或借记与所述开环帐号相关联的开环帐户。96. The system of 76, wherein the value token comprises an open loop account number, wherein applying at least a portion of the value token comprises crediting or debiting an open loop account associated with the open loop account number.
97.根据76的系统，其中应用所述价值代币的至少一部分包括根据指定所述价值代币的优先级的一组可配置的规则使用所述价值代币。97. The system of 76, wherein applying at least a portion of the value tokens includes using the value tokens according to a configurable set of rules specifying priorities for the value tokens.
98.根据97的系统，其中所述优先级基于包括下列的交易信息变量：发起所述电子钱包请求的零售商的物理地点；交易金额；零售商的类型；当日时间；星期几；一个月的哪个周；一年的哪个月份；发起所述电子钱包请求的零售商的部门；发起所述电子钱包请求的零售商的通道(lane)；检验员的标识；发起所述电子钱包请求的零售商的母公司；价值代币的价值；所述电子钱包请求的类型；或它们的组合。98. The system according to 97, wherein said priority is based on transaction information variables comprising: physical location of retailer who initiated said e-wallet request; transaction amount; type of retailer; time of day; The week; the month of the year; the department of the retailer who initiated the e-purse request; the lane of the retailer who initiated the e-purse request; the identity of the inspector; the retailer who initiated the e-purse request the parent company; the value of the value token; the type of wallet request in question; or a combination thereof.
99.根据76的系统，其中应用所述价值代币的至少一部分包括根据指定价值代币可以应用到的所述电子钱包请求的百分比的一组可配置的规则使用所述价值代币。99. The system of 76, wherein applying at least a portion of the value token comprises using the value token according to a set of configurable rules specifying a percentage of the e-wallet requests to which a value token may be applied.
100.根据76的系统，其中所述一个或多个处理器还被致使：100. The system according to 76, wherein the one or more processors are further caused to:
检查与所述电子钱包相关联的规则。Check the rules associated with the wallet.
101.根据100的系统，其中检查规则包括：101. The system according to 100, wherein the checking rules include:
检查所述价值代币的优先级。Check the priority of said value token.
102.根据100的系统，其中检查规则包括：102. The system according to 100, wherein the checking rules include:
检查所述请求的百分比；Check the percentage of said request;
其中应用所述价值代币的至少一部分包括根据所述百分比将所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token includes applying at least a portion of the value token to the request according to the percentage.
103.根据76的系统，其中所述电子钱包包括与闭环有关的价值代币和与开环有关的价值代币，其中所述一个或多个处理器还被致使：103. The system according to 76, wherein said electronic wallet includes value tokens associated with closed loops and value tokens associated with open loops, wherein said one or more processors are further caused to:
选择所述与闭环有关的价值代币；并且select said value tokens in relation to the closed loop; and
然后选择所述与开环有关的价值代币。Then select said value token related to the open loop.
104.根据76的系统，其中所述电子钱包包括与开环有关的价值代币，其中所述一个或多个处理器还被致使：104. The system according to 76, wherein said electronic wallet includes value tokens related to an open loop, wherein said one or more processors are further caused to:
阻止将所述与开环有关的价值代币应用到所述请求。Blocking the application of the open-loop-related value token to the request.
105.根据76的系统，其中所述一个或多个处理器还被致使：105. The system according to 76, wherein the one or more processors are further caused to:
将所述电子钱包的所述价值代币的至少一部分兑换成不位于所述电子钱包中的第二价值代币的至少一部分。exchanging at least a portion of the value tokens of the electronic wallet for at least a portion of a second value token not located in the electronic wallet.
106.根据105的系统，其中所述一个或多个处理器还被致使：106. The system according to 105, wherein the one or more processors are further caused to:
将兑换率应用于所述第二价值代币或位于所述电子钱包中的财产。An exchange rate is applied to the second value token or property located in the electronic wallet.
107.根据105的系统，其中兑换所述价值代币的至少一部分包括：107. The system according to 105, wherein exchanging at least a portion of said value tokens comprises:
联系第二价值代币经销商；以及Contact the Second Value Token Dealer; and
请求所述第二价值代币经销商提供所述第二价值代币。The second value token dealer is requested to provide the second value token.
108.根据76的系统，其中电子钱包包括第一子钱包和第二子钱包，其中所述第一子钱包包括所述价值代币，其中所述一个或多个处理器还被致使：108. The system according to 76, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, wherein the first sub-wallet includes the value token, wherein the one or more processors are further caused to:
将所述第一子钱包的所述价值代币放入所述第二子钱包中。Put the value token of the first sub-wallet into the second sub-wallet.
109.根据76的系统，其中所述一个或多个处理器还被致使：109. The system according to 76, wherein the one or more processors are further caused to:
提供具有所述价值代币的所述电子钱包。The electronic wallet is provided with the value token.
110.根据109的系统，其中所述价值代币以不同于购买价格的金额提供。110. The system according to 109, wherein the value token is provided at an amount different from the purchase price.
111.根据109的系统，其中提供所述电子钱包包括用优惠券代码对所述价值代币编码。111. The system of 109, wherein providing the electronic wallet includes encoding the value token with a coupon code.
112.根据109的系统，其中提供所述电子钱包包括将所述价值代币添加到所述电子钱包。112. The system of 109, wherein providing the electronic wallet comprises adding the value token to the electronic wallet.
113.根据76的系统，其中所述电子钱包包括储蓄指定的子钱包，其中一个或多个处理器还被致使：113. The system according to 76, wherein said electronic wallet includes a savings-designated sub-wallet, wherein one or more processors are further caused to:
将所述价值代币的至少一部分放入所述储蓄指定的子钱包。placing at least a portion of said value tokens into a sub-wallet designated by said savings.
114.一种系统，包括：114. A system comprising:
一个或多个处理器；one or more processors;
存储器，其联接到所述一个或多个处理器中的至少一个；a memory coupled to at least one of the one or more processors;
所述存储器包括可执行指令，所述可执行指令在被执行时造成所述一个或多个处理器：The memory includes executable instructions that, when executed, cause the one or more processors to:
接收处理针对电子钱包的支付交易的请求；receive requests to process payment transactions for electronic wallets;
确定所述请求包含有效验证信息；determining that the request contains valid authentication information;
确定与所述电子钱包相关联的价值代币或价值代币的组合能够满足所述请求；以及determining that a value token or combination of value tokens associated with the electronic wallet is capable of satisfying the request; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
115.根据114的系统，其中所述一个或多个处理器还被致使：115. The system according to 114, wherein the one or more processors are further caused to:
接受验证令牌以访问所述电子钱包。Accept an authentication token to access said Wallet.
116.根据115的系统，其中所述验证信息基于所述验证令牌，其中所述验证令牌包括代理卡、移动装置、密码、生物识别标识符、或它们的组合。116. The system of 115, wherein the verification information is based on the verification token, wherein the verification token comprises a proxy card, mobile device, password, biometric identifier, or a combination thereof.
117.根据114的系统，其中所述电子钱包包括主钱包和子钱包。117. The system according to 114, wherein the electronic wallet includes a master wallet and a sub-wallet.
118.根据117的系统，其中所述一个或多个处理器还被致使：118. The system according to 117, wherein the one or more processors are further caused to:
经由所述主钱包处理所述请求的至少一部分。At least a portion of the request is processed via the master wallet.
119.根据118的系统，其中所述一个或多个处理器还被致使：119. The system according to 118, wherein the one or more processors are further caused to:
经由所述子钱包处理所述请求的至少另一部分。At least another portion of the request is processed via the sub-wallet.
120.根据117的系统，其中所述主钱包包括所述价值代币，其中所述一个或多个处理器还被致使：120. The system according to 117, wherein said master wallet includes said value token, wherein said one or more processors are further caused to:
确定所述请求与所述主钱包有关；determining that the request is related to the master wallet;
其中应用所述价值代币的至少一部分包括将所述主钱包的所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the master wallet to the request.
121.根据117的系统，其中所述子钱包包括所述价值代币，其中所述一个或多个处理器还被致使：121. The system according to 117, wherein said sub-wallet includes said value token, wherein said one or more processors are further caused to:
确定所述请求与所述子钱包有关；determining that the request is related to the sub-wallet;
其中应用所述价值代币的至少一部分包括将所述子钱包的所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token includes applying at least a portion of the value token of the sub-wallet to the request.
122.根据117的系统，其中所述电子钱包包括两个或更多个价值代币，其中所述主钱包包括所述两个或更多个价值代币中的至少一个，其中所述子钱包包括所述两个或更多个价值代币中的至少另一个。122. The system according to 117, wherein said electronic wallet includes two or more value tokens, wherein said main wallet includes at least one of said two or more value tokens, wherein said sub-wallet At least one other of the two or more value tokens is included.
123.根据122的系统，其中所述一个或多个处理器还被致使：123. The system according to 122, wherein the one or more processors are further caused to:
确定所述请求的一部分与所述主钱包有关；并且determining that a portion of the request relates to the master wallet; and
确定所述请求的另一部分与所述子钱包有关。Another part of the request is determined to be related to the sub-wallet.
124.根据123的系统，还包括：124. The system according to 123, further comprising:
将所述主钱包的价值代币的至少一部分应用到所述请求；以及applying at least a portion of the primary wallet's value tokens to the request; and
将所述子钱包的价值代币的至少一部分应用到所述请求。Applying at least a portion of the sub-wallet's value token to the request.
125.根据120或124的系统，其中所述主钱包的所述价值代币按照所述主钱包或所述请求的规则被应用到所述请求。125. The system according to 120 or 124, wherein said value tokens of said master wallet are applied to said request according to the rules of said master wallet or said request.
126.根据121或124的系统，其中所述子钱包的所述价值代币按照所述子钱包或所述请求的规则被应用到所述请求。126. The system according to 121 or 124, wherein said value tokens of said sub-wallet are applied to said request according to the rules of said sub-wallet or said request.
127.根据117的系统，其中聚合器系统接收所述请求，其中所述一个或多个处理器还被致使：127. The system according to 117, wherein an aggregator system receives the request, wherein the one or more processors are further caused to:
确定所述请求的至少一部分可以在所述子钱包中处理；并且determining that at least a portion of the request can be processed in the sub-wallet; and
将所述请求的所述部分从所述聚合器系统发送给第三方。The portion of the request is sent from the aggregator system to a third party.
128.一种系统，包括：128. A system comprising:
一个或多个处理器；one or more processors;
存储器，其联接到所述一个或多个处理器中的至少一个；a memory coupled to at least one of the one or more processors;
所述存储器包括可执行指令，所述可执行指令在被执行时造成所述一个或多个处理器：The memory includes executable instructions that, when executed, cause the one or more processors to:
从主钱包的提供者接收处理针对电子钱包的支付交易的请求；receiving a request from the provider of the master wallet to process a payment transaction for the electronic wallet;
确定价值代币能够满足所述请求；以及determine that value tokens are capable of satisfying said request; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
129.根据128的系统，其中所述一个或多个处理器还被致使：129. The system according to 128, wherein the one or more processors are further caused to:
确定所述请求与所述子钱包有关；determining that the request is related to the sub-wallet;
其中应用所述价值代币的至少一部分包括将所述子钱包的所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token includes applying at least a portion of the value token of the sub-wallet to the request.
130.根据128的系统，其中所述子钱包包括子-子钱包。130. The system according to 128, wherein said sub-wallets comprise sub-sub-wallets.
131.根据130的系统，其中所述一个或多个处理器还被致使：131. The system according to 130, wherein the one or more processors are further caused to:
确定所述请求与所述子-子钱包有关；determining that the request relates to the sub-sub-wallet;
其中应用所述价值代币的至少一部分包括将所述子-子钱包的所述价值代币应用到所述请求。Wherein applying at least a portion of the value token includes applying the value token of the sub-sub-wallet to the request.
132.根据130的系统，其中所述一个或多个处理器还被致使：132. The system according to 130, wherein the one or more processors are further caused to:
确定所述请求的一部分与所述子钱包有关；并且determining that a portion of the request relates to the sub-wallet; and
确定所述请求的另一部分与所述子-子钱包有关。Another portion of the request is determined to be related to the sub-sub-wallet.
133.根据130的系统，其中所述电子钱包包括两个或更多个价值代币，其中所述子钱包包括所述两个或更多个价值代币中的至少一个，其中所述子-子钱包包括所述两个或更多个价值代币中的至少另一个。133. The system according to 130, wherein said electronic wallet includes two or more value tokens, wherein said sub-wallet includes at least one of said two or more value tokens, wherein said sub- A sub-wallet includes at least one other of the two or more value tokens.
134.根据133的系统，还包括：134. The system according to 133, further comprising:
将所述子钱包的价值代币的至少一部分应用到所述请求；以及applying at least a portion of the sub-wallet's value token to the request; and
将所述子-子钱包的价值代币的至少一部分应用到所述请求。Applying at least a portion of the value token of the sub-sub-wallet to the request.
135.根据129或134的系统，其中所述子钱包的所述价值代币按照所述子钱包或所述请求的规则被应用到所述请求。135. The system according to 129 or 134, wherein said value tokens of said sub-wallet are applied to said request according to the rules of said sub-wallet or said request.
136.根据131或134的系统，其中所述子-子钱包的所述价值代币按照所述子-子钱包或所述请求的规则被应用到所述请求。136. The system according to 131 or 134, wherein said value token of said sub-sub-wallet is applied to said request according to the rules of said sub-sub-wallet or said request.
137.一种系统，包括：137. A system comprising:
一个或多个处理器；one or more processors;
存储器，其联接到所述一个或多个处理器中的至少一个；a memory coupled to at least one of the one or more processors;
所述存储器包括可执行指令，所述可执行指令在被执行时造成所述一个或多个处理器：The memory includes executable instructions that, when executed, cause the one or more processors to:
接收与电子钱包有关的请求，其中所述请求包括电子钱包请求、余额查询请求、注册请求、激活请求、赎回请求、或它们的组合；以及receiving a request related to an e-wallet, wherein the request includes an e-wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
根据所述请求管理所述电子钱包的所述内容。The content of the electronic wallet is managed according to the request.
138.根据137的系统，其中管理所述内容包括：138. The system according to 137, wherein managing said content comprises:
将所述电子钱包的价值代币的至少一部分兑换成不位于所述电子钱包中的第二价值代币的至少一部分。exchanging at least a portion of the value tokens of the electronic wallet for at least a portion of a second value token not located in the electronic wallet.
139.根据138的系统，其中所述一个或多个处理器还被致使：139. The system according to 138, wherein the one or more processors are further caused to:
将兑换率应用于所述第二价值代币或位于所述电子钱包中的财产。An exchange rate is applied to the second value token or property located in the electronic wallet.
140.根据138的系统，其中兑换所述价值代币的至少一部分包括：140. The system according to 138, wherein exchanging at least a portion of said value tokens comprises:
联系所述第二价值代币的第二价值代币经销商；以及contact a second value token dealer for said second value token; and
请求所述第二价值代币经销商提供所述第二价值代币。The second value token dealer is requested to provide the second value token.
141.根据137的系统，其中电子钱包包括第一子钱包和第二子钱包，其中所述第一子钱包包括价值代币，其中所述一个或多个处理器还被致使：141. The system according to 137, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, wherein the first sub-wallet includes value tokens, wherein the one or more processors are further caused to:
将所述第一子钱包的所述价值代币放入所述第二子钱包中。Put the value token of the first sub-wallet into the second sub-wallet.
142.根据137的系统，其中所述一个或多个处理器还被致使：142. The system according to 137, wherein the one or more processors are further caused to:
提供具有所述价值代币的所述电子钱包。The electronic wallet is provided with the value token.
143.根据142的系统，其中所述价值代币以不同于购买价格的数额提供。143. The system according to 142, wherein the value token is provided in an amount different from the purchase price.
144.根据142的系统，其中提供所述电子钱包包括用优惠券代码对所述价值代币编码。144. The system of 142, wherein providing the electronic wallet includes encoding the value token with a coupon code.
145.根据142的系统，其中提供所述电子钱包包括将所述价值代币添加到所述电子钱包。145. The system of 142, wherein providing the electronic wallet includes adding the value token to the electronic wallet.
146.根据137的系统，其中所述电子钱包包括储蓄指定的子钱包，其中一个或多个处理器还被致使：146. The system according to 137, wherein the electronic wallet includes a savings-designated sub-wallet, wherein the one or more processors are further caused to:
将价值代币的至少一部分放入所述储蓄指定的子钱包。Putting at least a portion of the value tokens into a sub-wallet designated by said savings.
147.一种系统，包括：147. A system comprising:
一个或多个处理器；one or more processors;
存储器，其联接到所述一个或多个处理器中的至少一个；a memory coupled to at least one of the one or more processors;
所述存储器包括可执行指令，所述可执行指令在被执行时造成所述一个或多个处理器：The memory includes executable instructions that, when executed, cause the one or more processors to:
接收处理针对电子钱包的支付交易的请求；receive requests to process payment transactions for electronic wallets;
识别所述请求的验证信息；Authentication information identifying the request;
识别所述电子钱包中的价值代币；以及identifying tokens of value in said e-wallet; and
将所述价值代币的至少一部分应用到所述请求的至少一部分。Applying at least a portion of the value token to at least a portion of the request.
148.根据147的系统，其中一个或多个处理器还被致使接受验证令牌以访问所述电子钱包。148. The system according to 147, wherein one or more processors are further caused to accept an authentication token to access the electronic wallet.
149.根据148的系统，其中所述验证信息基于所述验证令牌，其中所述验证令牌包括代理卡、移动装置、密码、生物识别标识符、或它们的组合。149. The system of 148, wherein the verification information is based on the verification token, wherein the verification token comprises a proxy card, mobile device, password, biometric identifier, or a combination thereof.
150.根据149的系统，其中所述电子钱包包括主钱包和子钱包。150. The system according to 149, wherein said electronic wallet includes a master wallet and a sub-wallet.
151.根据150的系统，其中所述一个或多个处理器还被致使经由所述主钱包处理所述请求的至少一部分。151. The system of 150, wherein the one or more processors are further caused to process at least a portion of the request via the master wallet.
152.根据151的系统，其中所述一个或多个处理器还被致使经由所述子钱包处理所述请求的至少一部分。152. The system of 151, wherein the one or more processors are further caused to process at least a portion of the request via the sub-wallet.
153.根据152的系统，其中所述主钱包包括所述价值代币，其中所述一个或多个处理器还被致使：153. The system according to 152, wherein said master wallet includes said value token, wherein said one or more processors are further caused to:
确定所述请求与所述主钱包有关；并且determining that the request relates to the master wallet; and
确定所述价值代币能够满足所述请求。It is determined that the value token is capable of satisfying the request.
154.根据153的系统，其中应用所述价值代币的至少一部分包括将所述主钱包的所述价值代币的至少一部分应用到所述请求。154. The system of 153, wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the master wallet to the request.
155.根据154的系统，其中所述子钱包包括所述价值代币，其中所述一个或多个处理器还被致使：155. The system according to 154, wherein said sub-wallet includes said value token, wherein said one or more processors are further caused to:
确定所述请求与所述子钱包有关；并且determining that the request relates to the sub-wallet; and
确定所述价值代币能够满足所述请求。It is determined that the value token is capable of satisfying the request.
156.根据155的系统，其中应用所述价值代币的至少一部分包括将所述子钱包的所述价值代币的至少一部分应用到所述请求。156. The system of 155, wherein applying at least a portion of the value token comprises applying at least a portion of the value token of the sub-wallet to the request.
157.根据156的系统，其中所述电子钱包包括两个或更多个价值代币，其中所述主钱包包括所述两个或更多个价值代币中的至少一个，其中所述子钱包包括所述两个或更多个价值代币中的至少另一个。157. The system according to 156, wherein said electronic wallet includes two or more value tokens, wherein said main wallet includes at least one of said two or more value tokens, wherein said sub-wallet At least one other of the two or more value tokens is included.
158.根据157的系统，其中所述一个或多个处理器还被致使：158. The system according to 157, wherein the one or more processors are further caused to:
确定所述请求的一部分与所述主钱包有关；并且determining that a portion of the request relates to the master wallet; and
确定所述请求的另一部分与所述子钱包有关。Another part of the request is determined to be related to the sub-wallet.
159.根据158的系统，其中所述一个或多个处理器还被致使：159. The system according to 158, wherein the one or more processors are further caused to:
将所述主钱包的价值代币的至少一部分应用到所述请求；并且applying at least a portion of the master wallet's value tokens to the request; and
将所述子钱包的价值代币的至少一部分应用到所述请求。Applying at least a portion of the sub-wallet's value token to the request.
160.根据159的系统，其中所述主钱包的所述价值代币按照所述主钱包的规则被应用到所述请求。160. The system according to 159, wherein said value token of said master wallet is applied to said request according to rules of said master wallet.
161.根据159的系统，其中所述主钱包的所述价值代币按照所述请求的规则被应用到所述请求。161. The system according to 159, wherein said value tokens of said master wallet are applied to said request according to the request's rules.
162.根据159的系统，其中所述子钱包的所述价值代币按照所述子钱包的规则被应用到所述请求。162. The system according to 159, wherein said value tokens of said sub-wallet are applied to said request according to rules of said sub-wallet.
163.根据159的系统，其中所述子钱包的所述价值代币按照所述请求的规则被应用到所述请求。163. The system according to 159, wherein said value tokens of said sub-wallet are applied to said request according to the request's rules.
164.根据159的系统，其中聚合器系统接收所述请求，其中所述一个或多个处理器还被致使：164. The system according to 159, wherein an aggregator system receives the request, wherein the one or more processors are further caused to:
确定所述请求的至少一部分可以在所述子钱包中处理；并且determining that at least a portion of the request can be processed in the sub-wallet; and
将所述请求的所述部分从所述聚合器系统发送给第三方。The portion of the request is sent from the aggregator system to a third party.
165.根据164的系统，其中所述请求包括：销售终端的身份标识；验证信息；购买金额；所述价值代币发行者的身份标识；卖主的身份标识；地点的身份标识；所述请求的时间；所述请求的日期；识别主钱包、子钱包或它们的组合的信息；交易数据；验证数据；或它们的组合。165. The system according to 164, wherein said request includes: an identification of a sales terminal; verification information; a purchase amount; an identification of said value token issuer; an identification of a seller; an identification of a location; time; date of said request; information identifying the master wallet, sub-wallet, or a combination thereof; transaction data; verification data; or a combination thereof.
166.根据165的系统，其中所述价值代币包括价值的电子表示，其中所述价值的电子表示包括信用卡、借记卡、礼品卡、预付电话卡、忠诚卡、会员卡、票或票卡、娱乐卡、运动卡、预付卡、优惠券、入场证、预付或预购的商品或服务、现金、货币、信用卡帐户、借记卡帐户、商家帐户、银行帐户、商家发行的信用、商家发行的积分、商家发行的促销价值、商家接受的信用、商家接受的积分、商家接受的促销价值、或它们的组合。166. The system according to 165, wherein said value token comprises an electronic representation of value, wherein said electronic representation of value comprises a credit card, debit card, gift card, prepaid phone card, loyalty card, membership card, ticket or ticket, Entertainment cards, sports cards, prepaid cards, coupons, admission passes, prepaid or pre-purchased goods or services, cash, currency, credit card accounts, debit card accounts, merchant accounts, bank accounts, merchant-issued credit, merchant-issued Points, merchant-issued promotional value, merchant-accepted credit, merchant-accepted points, merchant-accepted promotional value, or a combination thereof.
167.根据166的系统，其中所述价值代币还包括具有不同类型的至少两种价值的电子表示。167. The system according to 166, wherein said token of value further comprises electronic representations of at least two values of different types.
168.根据167的系统，其中所述价值代币包括闭环帐号，其中应用所述价值代币的至少一部分包括贷记或借记与所述闭环帐号相关联的闭环帐户。168. The system of 167, wherein the value token comprises a closed loop account number, wherein applying at least a portion of the value token comprises crediting or debiting a closed loop account associated with the closed loop account number.
169.根据168的系统，其中所述价值代币包括开环帐号，其中应用所述价值代币的至少一部分包括贷记或借记与所述开环帐号相关联的开环帐户。169. The system of 168, wherein the value token comprises an open loop account number, wherein applying at least a portion of the value token comprises crediting or debiting an open loop account associated with the open loop account number.
170.根据169的系统，其中应用所述价值代币的至少一部分包括根据指定所述价值代币的优先级的一组可配置的规则使用所述价值代币。170. The system of 169, wherein applying at least a portion of the value tokens comprises using the value tokens according to a configurable set of rules specifying priorities for the value tokens.
171.根据170的系统，其中所述优先级基于包括下列的交易信息变量：发起所述电子钱包请求的零售商的物理地点；交易量；零售商的类型；当日时间；星期几；一个月中的哪一周；一年中的哪个月份；发起所述电子钱包请求的零售商的部门；发起所述电子钱包请求的零售商的通道；检验员的标识；发起所述电子钱包请求的零售商的母公司；价值代币的价值；所述电子钱包请求的类型；或它们的组合。171. The system according to 170, wherein said priority is based on transaction information variables comprising: physical location of retailer who initiated said e-wallet request; transaction volume; type of retailer; time of day; day of week; time of month the month of the year; the department of the retailer who initiated the e-purse request; the channel of the retailer who initiated the e-purse request; the identity of the inspector; the parent company; the value of the Value Token; the type of Wallet request in question; or a combination thereof.
172.根据171的系统，其中应用所述价值代币的至少一部分包括根据指定价值代币可以应用到的所述电子钱包请求的百分比的一组可配置的规则使用所述价值代币。172. The system of 171, wherein applying at least a portion of the value token comprises using the value token according to a set of configurable rules specifying a percentage of the e-wallet requests to which a value token may be applied.
173.根据172的系统，其中所述一个或多个处理器还被致使：173. The system according to 172, wherein the one or more processors are further caused to:
检查与所述电子钱包相关联的规则。Check the rules associated with the wallet.
174.根据173的系统，其中检查规则包括：174. The system according to 173, wherein the checking rules include:
检查所述价值代币的优先级。Check the priority of said value token.
175.根据174的系统，其中检查规则包括：175. The system according to 174, wherein the checking rules include:
检查所述请求的百分比；Check the percentage of said request;
其中应用所述价值代币的至少一部分包括根据所述百分比将所述价值代币的至少一部分应用到所述请求。Wherein applying at least a portion of the value token includes applying at least a portion of the value token to the request according to the percentage.
176.根据175的系统，其中所述电子钱包包括与闭环有关的价值代币和与开环有关的价值代币，其中所述一个或多个处理器还被致使：176. The system according to 175, wherein the electronic wallet includes value tokens associated with closed loops and value tokens associated with open loops, wherein the one or more processors are further caused to:
选择所述与闭环有关的价值代币；并且select said value tokens in relation to the closed loop; and
然后选择所述与开环有关的价值代币。Then select said value token related to the open loop.
177.根据176的系统，其中所述电子钱包包括与开环有关的价值代币，其中所述一个或多个处理器还被致使：177. The system according to 176, wherein said electronic wallet includes value tokens related to an open loop, wherein said one or more processors are further caused to:
阻止将所述与开环有关的价值代币应用到所述请求。Blocking the application of the open-loop-related value token to the request.
178.根据177的系统，其中所述一个或多个处理器还被致使：178. The system according to 177, wherein the one or more processors are further caused to:
将所述电子钱包的所述价值代币的至少一部分兑换成不位于所述电子钱包中的第二价值代币的至少一部分。exchanging at least a portion of the value tokens of the electronic wallet for at least a portion of a second value token not located in the electronic wallet.
179.根据178的系统，其中所述一个或多个处理器还被致使：179. The system according to 178, wherein the one or more processors are further caused to:
将兑换率应用于所述第二价值代币或位于所述电子钱包中的财产。An exchange rate is applied to the second value token or property located in the electronic wallet.
180.根据179的系统，其中兑换所述价值代币的至少一部分包括：180. The system according to 179, wherein exchanging at least a portion of said value tokens comprises:
联系第二价值代币经销商；以及Contact the Second Value Token Dealer; and
请求所述第二价值代币经销商提供所述第二价值代币。The second value token dealer is requested to provide the second value token.
181.根据180的系统，其中电子钱包包括第一子钱包和第二子钱包，其中所述第一子钱包包括所述价值代币，其中所述一个或多个处理器还被致使：181. The system according to 180, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, wherein the first sub-wallet includes the value token, wherein the one or more processors are further caused to:
将所述第一子钱包的所述价值代币放入所述第二子钱包中。Put the value token of the first sub-wallet into the second sub-wallet.
182.根据181的系统，其中所述一个或多个处理器还被致使：182. The system according to 181, wherein the one or more processors are further caused to:
给所述电子钱包提供所述价值代币。The value token is provided to the electronic wallet.
183.根据182的系统，其中所述价值代币以不同于购买价格的金额提供。183. The system according to 182, wherein said value tokens are provided at an amount different from the purchase price.
184.根据183的系统，其中提供所述电子钱包包括用优惠券代码对所述价值代币编码。184. The system of 183, wherein providing the electronic wallet includes encoding the value token with a coupon code.
185.根据184的系统，其中提供所述电子钱包包括将所述价值代币添加到所述电子钱包。185. The system according to 184, wherein providing the electronic wallet comprises adding the value token to the electronic wallet.
186.根据185的系统，其中所述电子钱包包括储蓄指定的子钱包，其中一个或多个处理器还被致使：186. The system according to 185, wherein the electronic wallet includes a savings-designated sub-wallet, wherein the one or more processors are further caused to:
将所述价值代币的至少一部分放入所述储蓄指定的子钱包。placing at least a portion of said value tokens into a sub-wallet designated by said savings.
本文已描述了允许用户购买、赎回和/或兑换位于电子钱包中的电子价值代币的电子价值代币交易处理系统。本领域的技术人员将显而易见，可以在不脱离本公开的精神和范围的情况下进行各种修改。所描述的实施例仅仅是代表性的，而并不意图为限制性的。本文所公开的申请的许多变型、组合和修改是可能的且在本公开的范围内。因此，保护范围不受以上阐述的说明书的限制，而是由所附的权利要求限定，该范围包括权利要求的主题的所有等同物。An electronic value token transaction processing system has been described herein that allows users to purchase, redeem and/or exchange electronic value tokens located in an electronic wallet. It will be apparent to those skilled in the art that various modifications can be made without departing from the spirit and scope of the present disclosure. The described embodiments are representative only, and are not intended to be limiting. Many variations, combinations and modifications of the applications disclosed herein are possible and within the scope of the disclosure. Accordingly, the scope of protection is not limited by the description set out above but is defined by the claims that follow, that scope including all equivalents of the subject matter of the claims.
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