CA2424037C

CA2424037C - System and method for purchasing goods and services through financial data network access points

Info

Publication number: CA2424037C
Application number: CA2424037A
Authority: CA
Inventors: Kenneth J. Varna; Haitham Shami; Jeffrey S. Clary; Matthew L. Lanford; Michel Thierry; John Chamberlin; William Benko; Preston Faykus, Jr.
Original assignee: Euronet Worldwide Inc
Current assignee: Euronet Worldwide Inc
Priority date: 2000-09-28
Filing date: 2001-02-06
Publication date: 2015-11-24
Anticipated expiration: 2021-02-06
Also published as: AU4795301A; EP1327211A1; EP1327211A4; NZ546571A; CA2424037A1; CN1476578A; RS49969B; CN1476578B; YU23703A; CZ20031053A3; HRP20030325A2; HUP0302552A2; WO2002027629A1; AU2001247953B2; WO2002027629A9; HUP0302552A3; PL366045A1

Abstract

A system and method for purchasing pre-paid vouchers and recharching pre-pay accounts (183) for goods and services. The system includes a data source containing data descriptive of a voucher (120) or account. The data source is accessible by a transaction system (100) for responding to user service transactions and may be accessible by a fulfillment service provider for providing the goods or services based upon the voucher or account data. The system may be accessed through a variety of service end points, including conventional automatic teller machines (ATMs)(110), point of sale (POS) systems, and personal communication devices.

Description

SYSTEM AND METHOD FOR PURCHASING GOODS AND SERVICES
THROUGH FINANCIAL DATA NETWORK ACCESS POINTS
Field of the Invention This invention relates to the field of purchasing goods and services using publicly available access points connected to financial data networks.
Background of the Invention Communication services, including mobile phone service, public phone service, residential phone service, Internet service, and other services, are delivered through a large number of public communication systems. Many of these systems require pre-payment in order to utilize the system's services. For example, public phones may require currency, a phone card number, or the access code from a pre-paid phone card. Similarly, many mobile phone customers must prepay for their phone time. This is particularly prevalent in Europe. Access to public electronic mail, video phones, and Internet terminals may also require prepayment. For many of these systems it may be difficult or inconvenient to build in the hardware and transaction protocols for accepting electronic payment. For example, magnetic card readers and secure connections to an electronic funds transfer network, or other financial data network, may impose undesirable technical requirements for some public and mobile communication systems.
Presently, many users of such public and mobile communication systems purchase cards in varying currency denominations (e.g., $30 of long distance) or quantities of communication time (e.g., 30 minutes of mobile air time). These cards provide an access number which is presented to the communications system (e.g., by dialing the access number prior to dialing the destination telephone number) to access the prepaid quantity of communication services. The access number is linked through the communication system to an account database which tracks the amount of time or money remaining in the prepaid account. Presently, such prepaid phone cards are sold primarily through retail convenience locations, such as drug stores, gas stations, and grocery stores, and, in some locations, vending machines. This method of distribution

- 2 -entails extra costs for the production, distribution, and retail mark up of the cards.
Further, only set denominations of cards are available; not all retailers are available 24 hours a day, seven days a week; and, few vending machines accept credit or debit card payments.
These and other drawbacks of prior art systems are overcome by the various embodiments of the invention.
Summary of the Invention It is therefore an object of the invention to overcome the above-mentioned drawbacks of prior systems.
It is an additional object of the invention to provide a system and method for purchasing goods and services through secure financial data networks using available public access points and/or personal communication devices.
Additional objects and advantages of the invention will be set forth in part in the description which follows and in part will be obvious from the description, or may be learned by practice of the invention.
These and other objects of the preferred embodiments are particularly achieved by a system and method for providing a voucher including an access code to a user through a terminal device, such as an Automated Teller Machine (ATM), connected to a financial data network. The user accesses the ATM using a credit or debit card, selects an account from which to deduct money to prepay for the voucher, and executes a purchase transaction for the voucher. The ATM verifies payment and returns a voucher access code from a voucher database accessible by the service provider accepting the voucher. The access code from the voucher may then be redeemed for a product or service, such as access to a predetermined quantity of communication services.
These and other objectives may also be particularly achieved by an alternate embodiment in which the user has an account with a service provider and the ATM
may be used to execute a transaction to add prepaid services directly to the user's account, without using a voucher or access code.

- 3 -The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate an embodiment of the invention and, together with the description, serve to explain the principles of the invention.
Brief Description of the Drawings Figure 1 is a schematic view of a system for purchasing goods and services through an ATM according to one embodiment of the invention.
Figure 2a is a schematic view of a system for purchasing goods and services through a financial data network using one or more of a variety of terminal devices according to an embodiment of the invention.
Figure 2b is a schematic view of a modular application system for use in an embodiment of the invention, such as the system of Figure 2a.
Figure 3 is a schematic view of a transaction system for purchasing goods and services through a financial data network using one or more of a variety of service end points according to an embodiment of the invention.
Figure 4 is a flow chart illustrating steps in a method of using a transaction system for voucher based purchase of goods and services through a financial data network according to an embodiment of the invention.
Figure 5 is a flow chart illustrating steps in a method of providing vouchers redeemable for goods and services through a transaction system connected to a financial data network according to an embodiment of the invention.
Figure 6 is a flow chart illustrating steps in a method of redeeming vouchers for goods and services issued through a transaction system connected to a fmancial data network according to an embodiment of the invention.
Figure 7 is a flow chart illustrating steps in a method of using a transaction system for account based purchase of goods and services through a financial data network according to an embodiment of the invention.
Figure 8 is a flow chart illustrating steps in a method of recharging an account value redeemable for goods and services through a transaction system connected to a financial data network according to an embodiment of the invention.

- 4 -Figure 9 is a flow chart illustrating steps in a method of providing goods and services through an account recharged through a transaction system connected to a financial data network according to an embodiment of the invention.
Detailed Description of the Preferred Embodiments Reference will now be made in detail to the present preferred embodiment of the invention, an example of which is illustrated in the accompanying drawings in which like reference characters refer to corresponding elements.
With reference to the drawing figures generally, and particularly to Figure 1, a system 100 for purchasing goods and services through an ATM 110 according to one embodiment of the invention is shown. System 100 allows a user to access ATM
110, for example, using a credit card, bank card, or ATM card, and to select a product or service for purchase, such as prepaid communication services. Payment for the product or service is handled like a balance transfer or account withdrawal through a financial data network 150 to which ATM 110 is connected. ATM 110 retrieves or generates an appropriate Voucher 120 for the product or service, including an access code 121 for validating the voucher with the service provider providing the product or service. ATM 110 prints or displays Voucher 120 for the user. In one embodiment, the user enters the access code 121 into a communication device 130 to access communication services through Communication System 140. Communication System 140 validates access code 121 and may adjust the remaining value of Voucher 120 in response to the communication services delivered.
ATM 110 provides a publicly accessible terminal device for accessing one or more functions that are at least in part provided through financial data network 150.
ATM 110 may be one of a variety of terminal devices for providing consumer access to products and services provided through financial data network 150. In one embodiment, ATM 110 includes an Input Device 111, an Output Device 112, and a Communication Module 113. Input Device 111 provides the user with a way to enter information into ATM 110. For example, Input Device 111 may include a magnetic card reader, a number pad, a biometric sensor (e.g., thumbprint or retinal scanner), or other input devices, such as a keyboard, a digital camera, etc. Output Device

- 5 -provides the user with a way of receiving information from ATM 110. For example, Output Device 112 may include a display screen, one or more speakers, a printer, a cash dispenser, or other output devices. Communication Module 113 provides a way for ATM 110 to communicate with financial data network 150 and any other external transaction systems, networks, servers, data sources, or other systems enabling ATM
110's functions. ATM 110 may include one or more resident data processors, memory systems, and/or logic systems (e.g. software) for enabling local storage and processing of information for some functions. In one embodiment, ATM 110 includes thin client software, such as a specialized web browser, and utilizes the data processing, memory, and software applications of one or more remote servers for its functions. In an alternate embodiment, ATM 110 may include the majority of the data processing, storage, and functional logic for performing its functions and communicate with external systems only for limited data exchanges with external data sources and transaction systems. The use of an ATM as an access point and terminal device for purchasing goods and services allows a service provider to utilize an existing network of input/output terminals stationed in convenient locations and providing 24 hour, 7 day a week access for many consumers. Additionally, the added data processing and storage capabilities by advances in computer technology and the efficiencies offered by ubiquitous and higher bandwidth communication networks offered banks and other supporters of the existing ATM networks with the ability to add more diverse functions to their ATMs. These features and functions may be added without decreasing the ATM's functionality for the financial transactions for which they were designed and put in place. ATM 110 may be just one of a variety of access points capable of accessing the transactional systems of financial data network 150, as described below.
In one embodiment, customer access points may include point of sale terminals, integrated voice response systems, mobile telephones or other handheld wireless devices, or the Internet. Each of these access points includes an input device, by which the user may enter information, an output device or channel, by which the user may receive information concerning the transaction and a communication module permitting communication with fmancial data network 150.

- 6 -In one embodiment, the access point is accessed by a merchant or through an access point available at a merchant site (e.g., a POS system). In this embodiment, the merchant may receive a cash payment from the user and provides payment verification to the financial data network. The merchant may use one of the customer access devices described above to input information concerning the transaction and confirm the purchase. For example, a mobile phone vendor may use the system to offer customers instant transactions for the purchase of prepaid time on a mobile phone network, through the vendor's PUS system. The transaction is settled by a cash payment between the merchant and the seller of the product or service. The merchant may use the system to provide recharge of an existing service account or may provide a voucher to the user, as described below.
Voucher 120 is a credit with one or more service providers which represents payment received for a product or service yet to be rendered, in whole or in part.
Voucher 120 need not be tangible, it may be embodied solely in electronic information conveyed to the user. For example, Voucher 120 may be information displayed upon a display screen or may be an audible message conveyed through a speaker. In some embodiments, however, Voucher 120 may be embodied in a physical form, such as printed on an ATM receipt. In one embodiment, Voucher may correspond to an entry in a database of service provider information for tracking such credits. Voucher 120 may include an access code, such as access code 121.
Access code 121 may be any unique identifier that can be used to validate Voucher 120 for the purpose of being redeemed by a service provider. Access code 121 may be a number, such as a conventional PIN or account number, an arbitrary alphanumeric code, a password, or, in some embodiments, a machine-readable code (e.g., a bar code) or an auditory code (e.g., a tonal code). In one embodiment, where the access code is intended to be entered through a conventional communication device, such as a telephone or mobile phone, the access code may be limited to a relatively short alphanumeric code within the data entry parameters of a telephone number pad. In some embodiments, the access code 121 may be only a portion of a string of numbers or other protocol for redeeming the services. For example, ATM

-7-110 may provide both a telephone number to be dialed and an access number 121, both of which may be required to access the purchased communication services.
Communication device 130 allows a user to redeem Voucher 120 for the communication services, or other products or services, transacted for through ATM
110. Communication device 130 is connected to Communication System 140 for providing communication services to the user of communication device 130.
Communication device 130 may include any type of communication device, such as a mobile phone, public telephone, two-way radio, video phone, electronic mail terminal, or other communication device. In one embodiment, communication device 130 includes an input device, such as a number pad, for entering access code 121.
In one embodiment, communication device 130 and/or Communication System 140 may include voice recognition or other audible signal processing (e.g., tone processing) for receiving access code 121.
Communication System 140 may be any public or proprietary communication system and may or may not be interconnected to the worldwide communication network. Communication System 140 receives access code 121 and/or a request for redemption of Voucher 120 through communication device 130 and provides the requested communication services to the user. For example, Communication System 140 may allow a user to place a long distance phone call, send an electronic mail message, send an instant message to a particular terminal device, send a query to a data system, or similar functions. Voucher 120 may provide access to a predetermined quantity of the communication services, such as a set period of time, a set number of messages, a period of unlimited use, one or more rates debited against an account value, or any other quantity of usage rights, including combinations of those listed here. In order to provide access to communication services in accordance with Voucher 120 and to keep track of use of Voucher 120, where usage is limited, Communication System 140 validates access code 121 and uses access code 121 to access a description of Voucher 120, such as Voucher Data 181. In one embodiment, access code 121 provides access to a user Account Data 183 through a Billing System 182. Voucher Data 181, Billing System 182, and Account Data 183 may be maintained as part of Communication System 140 or financial data network 150.

- 8 -Voucher Data 181, Billing System 182, and/or Account Data 183 may be provided by a third party or as an independent system connected to Communication System and financial data network 150.
Financial data network 150 may include a variety of interconnected systems for providing financial services to consumers, service providers, and financial institutions. In one embodiment, Financial data network 150 includes a Transaction System 160 including a Routing System 161 and a Processing System 162.
Financial data network 150 may include one or more payment systems, such as Payment System 170. Payment System 170 may include a clearinghouse for financial transactions, such as a bank providing electronic account access or a credit card company.
Financial data network 150 may include one or more data processing servers, such as Processing Server 180, for providing financial and service data and data processing in response to queries and service requests. Processing servers may communicate with one or more data repositories or data processing systems, such as Voucher Data 181, Billing System 182, and Account Data 183. Financial data network 150 may include an isolated data network, such as an intranet, business-to-business network, or other proprietary network, or may use security and access limiting protocols within a general use wide area network, such as the Internet.
Transaction System 160 may include one or more systems for directing data between networked resources included within or connected to financial data network 150 and may also include functional logic for providing additional processing.

Transaction System 160 may also include or be connected to a data source, such as Transaction Data 163, for recording and tracking transaction details for transactions nassing through Transaction System 160_ Routing System 161 may include switchina

9 may receive communication data and distribute it according to addressing and/or communication protocols contained in the data (e.g., the information on the location of the user's bank account contained in the magnetically encoded information read by ATM 110). Routing system 161 may receive requests for a communication channel and provide protocols for securing and timing communications through the communication channel. In one embodiment, Routing System 161 may communicate with one or more worldwide communication networks. Routing System 161 may rout data using to International Electronic Funds Transfer security and communication protocols. Routing System 161 may rout data using Internet protocols.
Processing System 162 may provide the logic for providing consumer services through Transaction System 160. Processing System 162 may include a system for evaluating service requests and directing service requests to an appropriate service provider. In one embodiment, Processing System 162 may evaluate a service request and provide at least a portion of the data processing required for fulfilling the request.
For example, Processing System 162 may receive a request for a voucher from a particular communication service provider of a particular dollar value with payment to be withdrawn from the user's debit account with a particular bank. Processing System 162 may evaluate the request and determine the various functional components to be executed, package the necessary data for each communication with another system, and coordinate the returned data to verify that the entire transaction is successfully completed. For example, Processing System 162 may send an inquiry to a processing server for voucher information for the particular communication service provider and value, may initiate a payment transaction between payment system 170 (e.g., the user's bank) and the communication service provider, may record the transaction in Transaction Data 163, and may await successful completion of each external transaction before reporting back to the requesting system (e.g., ATM 110) that the transaction is complete. One embodiment of Transaction System 160 is further described below with reference to Figure 3.
Processing Server 180 may include a database server for= providing voucher data in response to requests from Transaction System 160. Processing Server may include or be connected to one or more data sources, such as Voucher Data

- 10 -and Account Data 183. In one embodiment, Processing Server 180 may access data included in Account Data 183 through Billing System 182. Voucher Data 181 may include one or more database entries for one or more vouchers. Each voucher database entry may include an access code, a voucher value, and a flag to determine whether the voucher has been sold or not. Account Data 183 may include one or more database entries for one or more user accounts. Each user account may include user information, such as name, billing address, type of service, and other information, or may correspond only to a reusable account number or similar identifier not tied to the identity of the account user. Each account may include a value to determine the communication services available to the user through the account. This value may be adjusted by transactions initiated through Transaction System 160 in response to pre-payment of additional services. This value may be adjusted by Communication System 140 in response to communication services used through Billing System 182.
Figure 2a shows a system for purchasing goods and services through a financial data network using one or more of a variety of terminal devices according to an embodiment of the invention. The system 200 includes a Routing System 210 and an Application Server 220 which act as intermediaries between one or more service provider systems, issuer systems, and terminal devices, such as ATMs and POS
systems. Routing System 210 directs data transfer among financial data networks (e.g., EFT connection to an Issuer 260), service provider systems, the Application Server 220, and some terminal devices (e.g., ATM 241 and POS system 243).
Application Server 220 provides at least some logic, communication protocols, data storage, and/or transaction management for enabling various financial and banking related services utilizing fmancial data and other information directed through Routing System 210. In addition to one or more applications for purchasing products or services, Application Server 220 may include a variety of modular applications for providing a plurality of banking services, such as provision of a savings account, checking account, credit card, brokerage account access and management, automatic transaction management, event messaging, and other similar services. The system 200 may include a plurality of interface servers 230, such as ATM Server 231, POS
Server 232, SMS Server 233, and Web Server 234, for enabling access to the functions of

- 11 -Application Server 220 through a plurality of terminal devices, including ATMs.
Each type of interface server 230 allows users to access the Application Server 220's services through a variety of end points, such as personal digital assistants (PDAs), cellular phones, personal computers, portable computers, telephones, facsimile machines, POS systems and other devices, as well as ATMs. Each of the example servers 230 shown supports a different communications protocol and interface standard for enabling one or more types of end points or terminal devices to communicate with the plurality of financial institutions. In one embodiment, the system 200 may include a Cryptography System 221 to enable access to financial data networks requiring DES encrypted PIN blocks from terminal devices not equipped with DES encryption. In one embodiment, the system 200 may include a Card Registry data source 222 to enable access to financial data networks requiring magnetic card information from terminal devices not equipped with magnetic card readers. Service provider systems 250 may be connected to Application Server through Routing System 210. Service provider systems 250 may provide fulfillment and voucher and account maintenance for products or services purchased through system 200. Service provider systems 250 may include one or more service providers, such as Service Providers 251 and 252, one or more processing servers, such as Processing Server 253, and one or more data repositories, such as Voucher Data source 254 and Account Data source 255'. Issuer 260 (i.e., financial institutions issuing ATM, debit, and credit cards) may provide electronic payment for products or services purchased through system 200.
In order to route communications, as referenced above, Routing System 210 includes switching and monitoring hardware and software for directing communications containing electronic financial data traffic to a predetermined destination (financial institution) according to the communications protocols appropriate to that financial institution. Routing System 210 further includes a hub for directing traffic in electronic financial data among a variety of otherwise =
incompatible communications networks and financial data systems. Routing System 210 may also include a number of communication channels and network connections for communicating the electronic financial data using EFT standards, Internet-based

- 12 -standards, proprietary standards, and other standards for secure data transfer. The communication channels of Routing System 210 may also serve to interconnect a variety of specialized and/or standalone financial end points, such as ATM 241 and POS system 243.
In order to perform the above-described functions, Routing System 210 preferably includes an AS/400 platform using an OS/400 operating system and ITM
2.2 software for account access and associated settlement. Alternate platforms may include Windows NT, Linux, Unix, and similar platforms.
Application Server 220 includes one or more servers for hosting a plurality of financial and banking service applications, as well as service and product purchasing services. Such financial and banking service applications may include any service relating to personalized banking, finance, money management, payment transactions or investments. Application Server 220 further includes a platform for running the plurality of financing and banking applications. Application Server 220 utilizes a modular application design supporting standard interface objects to provide a flexible, readily expandable, and largely hardware-independent system for providing financial service applications. For example, Application Server 220 may be an enterprise application server running a plurality of applications composed of a plurality of interchangeable application modules (e.g., Enterprise JavaBeans). One such interchangeable application module may be used to enable Application Server 220 to offer financial and banking services through and respond to service inquiries from interface server 230. Another may enable Application Server 220 to initiate transactions (e.g., transfers and queries) with external financial network systems or service provider systems.
Application Server 220 may be connected to, and communicate with, Cryptography System 221 in order to enable the encryption of data in DES-encrypted PIN blocks compatible with ATM network data encryption standards. For example, the Cryptography System 221 may be comprised of hardware for accepting a PIN
from the Application Server 220, encrypting it using DES-encryption, and returning the DES-encrypted PIN block to the Application Server 220. The cryptography system may include a tamper proof casing which disables the cryptography system if it

- 13 -is breached. Hardware encryption conversion prevents the decrypted PIN from ever being available in an electronic or visible form in which it could be misappropriated.
The provision of DES encryption may allow a user to access ATM-like functions, such as the purchase system and method described herein, utilizing an ATM
fmancial data network from a device not equipped with DES encryption.
Application Server 220 may be connected to, and communicate with, the Card Registry data source 222 in order to provide magnetic card based access to financial services, without a magnetic card reader. In one embodiment, Card Registry data source 222 includes a repository of magnetic card data, such as Track II data, for one or more users. The data may be accessed using an account number, PIN, password, or other method of identifying the user. The card data may then be submitted, along with a transaction request, to an issuer requiring magnetic card data to enable card based transactions. The Card Registry data source 222 allows a user to access ATM-like functions, such as the purchase system and method described herein, utilizing an ATM financial data network from a device not equipped with a magnetic card reader.
In one embodiment, a user's card data may be associated with the user's identification in such a way as to provide automated transactions utilizing the card data.
For example, a user's account data for his/her credit card may be associated with a user's mobile telephone (e.g., by telephone number, subscriber number, or telephone identifier). An application may be defined that accepts a signal from the mobile telephone indicating the desire for a purchase transaction. The Application Server 220 may then execute a transaction for the purchase by identifying the mobile telephone, accessing the card data contained in the Card Registry data source 222, and routing appropriate transactions to the service provider providing the purchased goods or services and the issuer of the credit card. In one embodiment, such a transaction may be initiated through a single entry from the mobile telephone, such as a one touch dialing function, a dedicated hardware button, a menu option, or another method. In one embodiment, Card Registry data source 222 may include a variety of other information specific to a user, such that it functions as a personal wallet for the user.
This additional user information may include other bank account information, utility account information, preferred merchant account information, telephone numbers and

- 14 -other contact information, and other personal information (e.g., health care provider and account number, auto club provider and account number, frequent flyer program providers and account numbers, etc.) Interface Server 230, connected to the Application Server 220, provides a plurality of user interfaces for accessing one or more financial and banking service applications hosted on the Application Server 220. The Interface Server 230 may include a plurality of servers hosting a plurality of interfaces for one or more communication protocols and intended end points. For example, Interface Server may include a short messaging service (SMS) server, a wireless application protocol (WAP) server, a Web server, an ATM server, a POS system server, an automated telephone server, etc. The SMS server provides one or more short text messages for interactively exchanging information with the user and may be accessed by the user using any SMS-enabled device, such as a cellular phone, an alphanumeric pager, or another wireless device with limited display capabilities. The WAP server may provide one or more interface pages, such as pages written in Wireless Markup Language (WML, an extensible markup language (XML) application), for interactively exchanging information with the user and is accessible to the user using any device supporting WAP, such as a mobile phone, a pager, a two-way radio, a smart phone, a communicator, and another handheld wireless device. At least a portion of the content available through the Interface Server 230 may be provided by one or more applications from the Application Server 220. Security protocols used through Interface Server 230 and associated access points may include SSL, WSL, SET, PKI, or any other encryption, digital signature, or security scheme.
Service provider systems 250 may include one or more computer systems maintained by or for one or more service providers, such as Service Providers 251 and 252. Service Providers 251 and 252 may include any business, financial institution, or other entity which maintains a system for dispensing products or services, such as a telecommunication company maintaining a communication network for vending communication services. Data repositories 254 and 255 may include any number of data repositories containing voucher data, account data, or information related to tracking voucher and account use. Data repositories 254 and 255 may be a localized

- 15 -data resource, such as a database or group of databases, or they may be a distributed resource, such as a batch of locatable files distributed across a network.
Voucher Data repository 254 may include voucher information, including access codes, usage rights, usage tracking information, and other information for validating and monitoring voucher use. Account Data repository 255 may include account information including access codes, usage rights, usage tracking information, account or user identification (e.g., account number), and other information for validating and monitoring account use. Processing Server 253 provides an interface for communications, transactions, and data requests routed through Routing System 210 to data repositories 254 and 255. Processing Server 253 may include security verification, query protocols, and transaction maintenance for voucher and/or account data. Service Providers 251 and 252 may include similar protocols for interacting with the data stored in data repositories 254 and 255 in response to user redemption of products or services or other administrative functions. Alternatively, service provider communications may also be routed through Processing Server 253 or Routing System 210 (alternate configurations not shown). In another embodiment (also not shown), Voucher Data repository 254 and/or Account Data repository 255 may be maintained directly by the Application Server 220 and service providers may direct communications, transactions, and queries through Routing System 210 to access the data. In still another embodiment (also not shown), a Voucher Data repository 254 may be maintained within the Application Server 220 containing the voucher numbers and values for issuing vouchers to customers. The Service Provider 251 maintains a separate Voucher Data repository 254 containing voucher validation and use data.
The Service Provider 251 provides batches of active vouchers to Application Server 220 by download or other data transfer, but requires no further access to the delivered voucher data. Application Server 220 maintains and sells the voucher batch without further need for communication with the Service Provider 251. However, this method of maintaining a batch of active vouchers presents increased security risks and may require prepayment for the vouchers by the maintainer of the Application Server 220 or some other settlement process.

- 16 -System 200 may include end points or terminal devices, such as ATMs 241 and 242 and POS systems 243 and 244. ATM 241 may be a standalone ATM which includes its own application and interface software and which is capable of exchanging data with one or more financial data networks through Routing System 210. ATM 242 may be a thin-client ATM which utilizes, at least in part, the application software of Application Server 220 and the interface software of ATM
Server 231. POS system 243 may be a POS system integrated with a retail business, including its own application and interface software and capable of exchanging data with one or more financial networks through Routing System 210. POS System 244 may be a thin-client POS system which utilizes, at least in part, the application software of Application Server 220 and the interface software of POS Server 232.
Other specialized thin-client terminal devices, such as a Web and wireless Web devices, are also possible in conjunction with a compatible interface server.
In Figure 2b, a modular system 260 for processing user service requests according to an embodiment of the invention shown. Modular system 260 may be used by an application server, such as the Application Server 220 in Figure 2a, to process user service requests, such as requests for the purchase of goods and services.
Modular system 260 includes a number of application objects 270, such as Application Objects 270a and 270b. Application Objects 270a and 270b are used as standard entry paths for user service requests, such as from Users 201 and 202.
Application Objects 270a and 270b create a transaction 271, such as Transactions 271a and 271b, that describes the actions to be performed. Router 272 evaluates Transactions 271a and 271b and directs them to an appropriate provider 273, such as Providers 273a, 273b, and 273c. Providers 273a, 273b, and 273c include the operations for completing Transactions 271a and 27 lb. In some cases, a provider, such as Provider 273c, may issue a Service Request 274 to access an external resource, such as financial data maintained by a financial service provider.
Providers 273a, 273b, and 273c may either direct the transaction to a further provider or may return a response 275, such as Responses 275a and 275b, to Application Objects 270a and 270b.

- 17 -Application Objects 270 provide standard entry paths for user Service Requests 261 and 262 and initiate transactions 271 within modular system 260.
Application Objects 270 represent individual actions that modular system 260 may be called on to perform. Some example Application Objects 270 might include a logon object, an account balance inquiry object, a voucher purchase object, a voucher balance inquiry, an account recharge object, an account balance inquiry, and other objects for providing a variety of financial, administrative, bill paying, and other services. In one embodiment, each application object 270 is a stateless Enterprise JavaBean (EJB) and is accessible to a user via a Java Naming and Directory Interface (JNDI) (not shown). Each Application Object 270 creates a transaction 220 that describes the action to be performed and contains the user information necessary to initiate the action. For example, a logon object would be used to create a logon transaction containing basic information such as a user identifier (e.g., a user name, credit card number, ATM card number, etc.) and a PIN. A voucher request inquiry transaction could be used to create a voucher transaction including the value of the voucher to be purchased and the method of payment for the purchase (possibly including an payment account number and PIN for security purposes). Each application object 270 may also call Router 272 in order to determine a destination provider 273 to process transaction 271. In one embodiment, Application Object passes transaction 271 to Router 272 where Router 272 evaluates transaction 271 and passes it to a selected provider 273. Alternatively, Router 272 may evaluate transaction 271 but Application Object 270 actually passes transaction 271 to the selected provider 273 identified by Router 272. Each Application Object 270 may also receive a response 275 from providers 273 and pass the response back to the user.
Each Application Object 270 may also be able to call a provider 273 to undo, retry, or alter a transaction 271 in response to response 275, new input from the user, or other system conditions.
Transactions 271, such as Transactions 271a and 271b, may include the data required by providers 273 to fulfill the function of Application Object 270.
Transactions 271 may include basic transaction information, such as a unique identifier, a time stamp, a status marker, and originator, and a destination (or list of

- 18 -providers 273 for completing the transaction). Any amount of additional transaction-specific information may be added to a transaction as a data item. In one embodiment, the data item includes one or more key/value pairs providing a description of the data, such as account number or PIN, and the data itself, such as Account # 012345, PIN 9876. The data may include a wide variety of data and file types and formats, such as numbers, flags, strings, data files, etc., and may be any size.
Some example data objects might include a graphic file of a canceled check, a sound file of a voice recognition sample, or a spreadsheet of recent transactions in an account. The data may further include a token including data returned in a response from a previous transaction. In one embodiment, each transaction 271 is stored as an XML document for access, evaluation, and modification by Router 272 and providers 273. In another embodiment, each transaction 271 contains a complete record of the history of the transaction. Each transaction 271 may be automatically stored in a database and may be archived for later retrieval.
Router 272 determines a provider 273 to handle transaction 271. Router 272 uses a combination of transaction details and/or system information to determine the optimal destination provider 273. For example, Router 272 mar route the transaction data according to account number, transaction amount, or user name. Multiple routers may be employed by modular system 260 to perform such routing. A single transaction may be routed several times over the course of its processing and Router 272 may be used by Providers 273 as well as Application Objects 270. Router includes a routing table in the format of an extensible markup language (XML) document that lists the conditions and/or rules under which transactions 271 should be routed to a particular provider, such as Provider 273a, 273b or 273c.
Providers 273a, 273b and 273c utilize modules that include the logic for completing at least a portion of the functions performed by one or more Application Objects 270. Such Providers 273 use the data stored within transactions 271 to perform such function. Providers 273 may return a response to the Application Object 270 which created the transaction 271 or may pass the transaction 271 to another Provider 273, with or without consulting Router 272. Providers 273 perform their function(s) locally using transaction data and local resources and system information

- 19 -and return a response 260 to the Application Object 270. Some providers 273, such as Provider 273b, may also perform their function(s) locally using the transaction data and local resources and system information, however, their function(s) may be only a portion of the total function(s) required by the Application Object 270. The transaction 271 may be modified to include data generated by Provider 273b and may then be routed to another provider 273, such as Provider 273c. Some Providers 273, such as Provider 273c, may route all or a portion of the data contained in the transaction 271 to a Service 274 and may then receive responsive data from the Service 274 to formulate a Response 275 to return to the Application Object 270. In one embodiment, a number of such Providers 273 may simultaneously work on the same transaction 271. In another embodiment, the Providers 273 may pursue the same goal through different channels. For example, multiple Providers 273 may perform multiple services to get the most rapid response where response times vary (e.g., one external service provider may be faster than another external service provider for any given request depending on server availability and other factors).
A Service 274, such. as a data courier service or a communication protocol service, may be used to exchange data with an external resource, such as a financial data network, bank, cryptography system, or data repository. Each Service 274 may be customized for the communications protocols and data requirements of a specific external resource. Service 274 may both send and receive data. The received data may be delivered to the Provider 273 which initiated the Service 274, added to the transaction and/or returned to the application object in a response.
Responses 275a and 275b may each contain an answer or resolution to the transaction 271 created by the Application Object 270. Responses 275a and 275b may each include information requested by Application Object 270 or may include an explanation of why the request could not be fulfilled. In one embodiment, responses 275a and 275b may each include a value to indicate whether or not the transaction was successful; a message that explains why the transaction was not successful; if necessary, a token, such as a reference to the present transaction, that can be used as part of a subsequent transaction; and a plurality of additional data items (as described above with respect to Transactions 271). The information returned in responses 275a

- 20 -and 275b may be returned in whole or in part to the user who initiated use of Application Objects 270 and/or may be the basis of further transactions initiated through the same or another application object.
Figure 3 illustrates a Transaction System 300 for providing a plurality of fmancial consumer and information services through a variety of end points 310 using fmancial data, content, and transactional functions furnished by a variety of remote service providers, such as Fulfillment Service Provider 320 and Financial Service Provider 330. These services may be provided to a variety of service end points 310 from a number of interfaces supporting one or more interface standards and communication protocols. Some example service end points 310 may include PDA
311, cellular phone 312, PC 313, portable computer 314, telephone 315, facsimile machine 316, ATM 317, or POS system 318. Integrated transaction management system 300 communicates with service end points 310 using any communication network such as the Internet, telephone networks, wireless networks, radio networks, and other communication networks and SMS, WAP, TCP/IP, and its corresponding data transfer protocols. The services performed by the Transaction System 300 may use information gathered from and/or exchanged with any one or more remote service providers. Transaction System 300 can communicate with the remote service providers by using any secure communication or financial data network.
Transaction System 300 may further include a variety of functional modules for providing financial and other information services according to an embodiment of the invention. The functional modules may each contain a combination of software and/or hardware for performing a task or set of tasks. For example, a data processor, memory, and an instruction set (i.e., computer code) may be all that are needed for such a functional module to carry out the tasks necessary for a given embodiment of each functional module. More commonly, however, multiple input and output devices, short term and long term memory systems, layers of computer code (i.e., operating system, application software, etc.), communication devices, and multiple processors may be used for such a functional module. Additionally, multiple ones of such functional modules may share the same hardware and portions of a software library. In some cases, a functional module may contain one or more other such

-21 -functional modules. As will be understood by those of ordinary skill in the art, the functional modules described herein may be embodied in a large number of equivalent combinations of code objects and hardware. The combinations represented by the functional modules described herein are conceptual and should not be construed as a limiting structure for the multiple hardware and software combinations capable of executing the functional modules' tasks.
As shown in Figure 3, Transaction System 300 includes an Interface System 340, an Application System 350, a Gateway System 360, and a Cryptography System 370. Interface, System 340 includes one or more functional modules each of which provides, one or more user interfaces accessible through a variety of service end points 310. Application System 350 includes one or more functional modules, each of which provides functional processing capabilities for one or more consumer applications, including formulating data queries and transaction requests for Fulfillment Service Provider 320 and Financial Service Provider 330. Gateway System 360 includes one or more functional modules for routing communications between a variety of disparate networks or communication systems using different communications, data transfer, and encryption protocols. Cryptography System 370 includes one or more functional modules for encrypting and decrypting data according to one or more secure encryption standards.
Interface System 340 includes one or more functional modules for presenting and exchanging information through thin-client end points or terminal devices.

Interface System 340 may access one or more of the functional modules providing consumer applications within Application System 350, and may provide an interface between such Application System 350 and a consumer as is appropriate to the varying bandwidths, memory capacities, processing abilities, input and navigation methods, and common uses and environments of the plurality of service endpoints 310 which may be utilized by the consumer. For example, an interface compatible with an SMS
device may be limited to 160 text characters for sending and receiving information. A
WAP device provides greater versatility and, therefore, an interface used in connection with such WAP device may include graphics and other data, but may need to be designed for the limited bandwidth and memory of most WAP devices. Web-

- 22 -based devices may have any range of capabilities, depending largely on the type of terminal device and the bandwidth, memory, and input capabilities of the intended terminal device. Even within a particular communications protocol, it may be preferable to offer multiple interface options depending on the attributes of a range of possible terminal devices and users. Interface System 340 may allow Transaction System 300 to support traditional ATM-like functions through a variety of service end points 310 and enable the purchase of goods and services through voucher and account applications at those same service end points. As shown in Figure 3, Interface System 330 includes a Web Interface module 331, an SMS Interface module 332, a WAP Interface module 333, an ATM Interface module 334, and a POS Interface module 335. Other interfaces may also be supported by alternate embodiments, such as interfaces supporting other wireless protocols and communications networks, voice interfaces for telephone access, proprietary and LAN interfaces for secure limited access special services (e.g., for service provider and system administrator side transactions and services), and additional interfaces to support the new and specialized capabilities of future networkable communication devices.
For example, in one embodiment, an SMS or WAP enabled phone, or another portable personal communication device, may be used to recharge a user's prepaid account for that phone or device. In one embodiment, the SMS or WAP enabled telephone may be able to access a telephone number or URL (corresponding to an appropriate interface server) for recharging services even though the user's prepaid account has been depleted and the telephone may no longer be used for other communications. In one embodiment, the user may take the SMS or WAP enabled telephone to a merchant or service provider and the merchant or service provider may accept payment for the services and instantly provide a message or code, including the recharge amount and payment verification, to be entered through the user's phone or device.
Application System 350 includes one or more modules for providing the functional processing for one or more consumer applications, including formulating data queries and transaction requests to facilitate the purchase of pre-paid goods and services. Application System 350 provides a variety of consumer applications

-23 -according to a modular architecture that promotes interchangability, upgradability, and universality for access by a variety of interface modules serving a variety of service endpoints 310. Application System 350 utilizes data provided by a variety of external service providers, as well as internal system and data resources. A single application transaction may simultaneously or sequentially access data from, or initiate a data exchange with more than one service provider system. Application System 350 may formulate queries and issue data exchange requests based upon a variety of protocols dependent on the destination system and the information sought. Application System 350 may use a combination of Standard Query Language (SQL) and alternate data exchange and transaction protocols, depending on the compatibility of the service provider systems. In order to facilitate the purchase of pre-paid goods and services, one embodiment of the invention includes a Voucher Module 351, an Account Module 352, a Reporting Module 353, and a Payment Module 354. Each application module may include a variety of transaction modules for performing the variety of functions which may be included within the application module. The possibilities for additional application modules and alternative arrangements of application modules and component transaction modules are infinite.
Voucher Module 351 provides maintenance and retrieval of voucher numbers stored in one or more voucher data sources. The voucher data sources may be a localized resource or may be located remotely. Voucher Module 351 provides transactions for retrieving available voucher numbers from the voucher database or creating new voucher numbers to be added to the voucher database. Voucher Module 351 may also be able to return or delete an unused voucher number in the event that the purchase transaction is not completed. Voucher Module may include a Get Voucher module 351a and a Return Voucher module 35 lb. In one embodiment, Get Voucher module 351a is a provider object called by a purchase voucher application object in response to a user request to purchase a voucher. Get Voucher module 351a utilizes a query service to query the voucher data source for a voucher number corresponding to a particular voucher value. The service response includes a flag designating the success or failure of the retrieval and data corresponding to the retrieved voucher number. In, one embodiment, Return Voucher module 351b is a

-24 -provider object called by a purchase voucher application object in response to an interruption in the transactions session, a rejected payment attempt, or other basis for aborting the purchase transaction. Return Voucher module 351b utilizes a query service to notify the voucher data source to return the included voucher number to an available status. The service response includes a flag designating the success or failure of the return attempt.
Account Module 352 provides connectivity with existing user accounts stored in one or more account data sources. The account data sources may be stored locally or may be maintained remotely by a fulfillment service provider. Account Module 352 may provide verification of the existence of a particular pre-paid account, verify that a pre-paid account is available for recharging, retrieve the present value of a prepaid account, recharge the pre-paid account, and provide other account maintenance functions. In one embodiment, Account Module,352 may also allow a user to establish a new pre-paid account through Transaction System 300.
Account Module 352 may include a Verify Account module 352a and a Recharge Account module 352b. In one embodiment, Verify Account module 352a is a provider object called by a recharge account application object in response to a user request to recharge a pre-paid account. Verify Account module 352a may use a query service to verify that an account number submitted by the user corresponds to an active account in the account data source. The service response may include a code indicating the success or failure of the verification, which may indicate an explanation of a failed verification attempt. In one embodiment, Recharge Account module 352b is a provide object called by a recharge account application in response to a successful payment transaction based on the user's submitted payment method (e.g., the clearance of an EFT transaction or credit card charge). Recharge Account module 352b utilizes a query service to notify the account data source to increase the value in the specified pre-paid account be a certain value. The service response includes a flag designating the success or failure of the recharge attempt.
Reporting Module 353 includes transaction monitoring and recording for administrative and billing purposes. Reporting Module 353 may include a reporting data source in which a record of each transaction, such as a voucher purchase

-25 -transaction or account recharge transaction, is recorded. The transaction record may include transaction details, such as the time of the transaction, transaction value, transaction session time, service end from which the transaction was initiated, etc.
The reporting data source may be used to provide transaction summaries to service providers for transaction verification and general account administration. The reporting data source may also be used to track the transactions for a particular service provider in order to assess payment for Transaction System 300's services on a usage basis. Reporting module 353 may be used for other data mining activities, such as marketing analysis, and may be linked to user infoimation to provide targeted marketing data.
Payment Module 354 provides for electronic payment of the value of the product or service to be purchased. Payment Module 354 may allow the user to pay for products and services using debit cards, credit cards, electronic currency, and any other electronic payment method as is known in the art. In a preferred embodiment, payment is handled through ATM protocols for credit card and debit card transactions utilizing a magnetic card containing account infolination and a user supplied PIN. In an alternate embodiment, payment is provided through a service end device not equipped with a magnetic card reader and utilizing a registry of Track II data pre-registered by the user. POS protocols, Internet payment protocols, proprietary payment protocols and other protocols may also be used. In one embodiment, a chip or smart card may be used to provide payment information, including user authentication. In one embodiment, electronic currency such as value stored in a centrally managed database (e.g., "e-purse") or stored in a chip card may be used.
Routing System 360 may include one or more modules for directing communications between two or more of a variety of disparate networks or communication systems by using different communication, data transfer, and encryption protocols. For example, Routing System 360 may include an EFT
protocol module, an Internet protocol module, a proprietary connection protocol module, or a variety of other communication protocols. In operation, Routing System 360 may receive transactions in from an ATM, a financial institution, another EFT
gateway, a POS terminal, or Application System 350 (e.g, a purchase transaction through an

- 26 -alternate service endpoint). Upon receipt of the transaction, Routing System determines the issuer using a Bank Identification Number (BIN) included in the data received, such as Track II data from a user's debit card. If the BIN belongs to a local bank, the transaction will be routed to the local bank for authorization. If the BIN
does not belong to a local bank, then a routing decision will be made depending on the BIN number of the card. This routing decision will be determined by comparing the BIN to routing tables maintained within Routing System 360. When the BIN or some appropriate digits of the bin are found the transaction is routed to the appropriate other gateway or financial institution for authorization. If the BIN is not found in the routing tables then a default gateway will be used to authorize the transactions. In one embodiment, a message from the application server may be received in a proprietary format and converted to a format appropriate for the issuing endpoint after the routing decision is made. An authorization will be received from the authorizing issuer and the transaction will be approved or declined based on the issuer's response.
The Routing System 360 may also perform balancing and settlement with the authorizing issuer, as well as with the acquiring service provider.
As further illustrated in Figure 3, Cryptography System 370 may include one or more modules for encrypting and decrypting data according to one or more secure encryption standards. Cryptography System 370 further includes cryptography hardware and software substantially as described above for Cryptography System in Figure 2a. In one embodiment, Cryptography System 370 may include protocols for handling one or more encryption, certificate, digital signature, or other security schemes, alone or in combination. These protocols may include compliance with protocols, such as the DES encryption protocols of the EFT network, the SET
protocols for credit card transactions, chip or smart card authentication protocols, or other industry or proprietary schemes. Cryptography System 370 may be adapted to additional security schemes as they are developed and adopted for various financial data networks.
Fulfillment Service Provider module 320 may be any system for providing goods or services and accepting payment from user's of those goods or services through Transaction System 300. Fulfillment service providers may include

- 27 -communication service providers, intemet service providers, retail goods and service providers, vending machine operators, or other providers of goods and services. Each Fulfillment Service Provider module 320 may include a system for product distribution, billing, and administration. In one embodiment, each fulfillment service provider maintains one or more computer systems for overseeing product distribution, billing, and administration and Transaction System 300 communicates with at least a portion of the computer system. Fulfillment Service Provider module 320 may provide voucher and/or account data for use by the transaction system in retrieving vouchers and recharging accounts. Fulfillment Service Provider module 320 may also include a system for receiving payments for goods or services from Transaction System 300, a financial institution (e.g., though Financial Service Provider module 330), or other sources. Fulfillment Service Provider module 320 may include a Processing Application module 321, a Billing System 322, a Service System 323, an Account Data source 324, and a Voucher Data source 325.
Processing Application module 321 may provide an interface between Account Data source 324 and/or Voucher Data source 325 and various systems which utilize that data, such as Transaction System 300, Billing System 322, Service System 323, and other systems (e.g., service provider administration, customer service, marketing, etc.). In one embodiment, Processing Application module 321 may include protocols for integrating existing fulfillment service provider systems (e.g., existing account data, data management systems, billing systems, etc.) with Transaction System 300. Processing Application module 321 may include an Account Query module 321a, a Voucher Query module 321b, an Account Maintenance module 321c, and a Voucher Maintenance module 321d. Account Query module 321a may allow Processing Application module 321 to receive and execute an account data query (e.g., an account verification query, recharge account query, etc.) from Transaction System 300. Voucher Query module 321b may allow Processing Application module 321 to receive and execute a voucher data query (e.g., a get voucher query, a return voucher query, etc.) from Transaction System 300.
Account Maintenance module 321c and Voucher Maintenance module 321d may allow Processing Application module 321 to receive and execute one or more maintenance

- 28 -actions for account and Voucher transactions. Maintenance actions may include additional queries, data mining, data manipulation, and other actions to oversee Voucher Data source 325 or Account Data source 324. Maintenance actions may also include remotely accessing data or transactional capabilities in other fulfillment service provider systems (e.g., Billing System 322).
Billing System 322 may include the fulfillment service provider's systems for monitoring payments received and services due for pre-paid accounts and/or vouchers.
Billing System 322 may also include the fulfillment service provider's systems for monitoring, presenting, and reconciling payments due for non-pre-paid accounts and/or vouchers or for pre-paid accounts and/or vouchers initially paid for using credit or electronic currency and requiring actual payment from a third party (e.g., a credit card company, bank, or other financial service provider). Billing System 322 may include a pre-existing billing system established to handle consumer transactions other than sale of goods and services through Transaction System 300.
Service System 323 may include the fulfillment service provider's system for providing goods and services purchased using pre-paid vouchers or accounts.
Service System 323 may include authorization for distribution or access to goods and services, usage tracking for goods and services provided, and service or access termination based upon the fulfillment of pre-paid voucher or account value. Service System 323 may include a communication system for providing communication services to the user. In one embodiment, Service System 323 is a mobile telephone network and mobile communication services are provided to the user in accordance with the value and conditions upon which the pre-paid voucher or account were purchased. In one embodiment, Service System 323 evaluates voucher data or account' data in Account Data source 324 or Voucher Data source 325 corresponding to user supplied account or voucher identification prior to providing goods or services. In one embodiment, Service System 323 may monitor usage of account and/or voucher data in order to identify when the value remaining in a pre-paid account is running low.
Service System 323 may provide a notification to the user through one or more service end points. For example, Service System 323 may initiate an automated messaging service (e.g., telephone message, SMS message, voice mail message, electronic mail

29 message, etc.) which warns the user that the account or voucher is running low. In one embodiment, a service end device may include a hardware (e.g., LED) or software indicator (e.g., display icon) to warn the user when the account or voucher is low. In one embodiment, recharge warning messages and indicators may be provided through Application System 350.
Account Data source 324 and Voucher Data source 325 include one or more databases of account or voucher data providing account or voucher identifications and corresponding values of pre-paid services or goods. Account Data source 324 may be substantially as described above for Account Data 183 in Figure 1 and Account Data 255 in Figure 2a. Voucher Data source 325 may be substantially as described above for Voucher Data 181 in Figure 1 and Voucher Data 254 in Figure 2a.
Figure 4 shows a method of using a service end device, such as an ATM, to access a transaction system and a financial data network for the voucher-based purchase of goods and services. In step 410, a user accesses a service endpoint, such as an ATM, POS system, personal computer, mobile telephone, etc. For example, the user could approach an ATM or POS system and swipe a magnetic card, such as a debit or credit card, to access the service functions of the system. Accessing a service end point may include providing user identification (step 411). For example, swiping a magnetic card may provide some user identification, such as an account number and financial service provider identification. The system may require additional identification for security purposes, such as a PIN, password, retinal scan, or other method to verify that the holder of the card is the authorized user. In step 420, the user may select a product, such as goods or services, for purchase. Selection may include multiple interactive steps. The user may first select a purchase option from a menu of system services (e.g., balance inquiry, withdrawal, balance transfer, purchase goods or services, etc.). The user may then select from a variety of products for purchase available through the system (e.g., mobile communication service, internet service, beverage, etc.). In one embodiment, a customized menu of purchase options may be offered based upon the identity of the user, location of the service end point, time of day, or other factors. Once a product for purchase is selected, a value for a product available in a variety of values (e.g., a number of mobile telephone minutes, a

- 30 -dollar amount of long distance service, etc.) may be selected (step 421).
Selection of the value may be chosen from a menu of options or may allow custom entry of the value. A service provider from a list of available service providers may also be chosen (step 422). In step 430, the user provides payment information.
Providing payment information may include providing account identification (Step 431).
For example, the user may be provided with a list of accounts associated with the card used to access the system (e.g., checking, savings, credit, etc.). In one embodiment, payment information is automatically provided by accessing the system with a card associated with a specific account. In step 440, the user received a voucher.
The voucher may be received as a printout through a service end point receipt printer or another dispenser for a physical voucher. The voucher may also be dispensed solely as an access code displayed on the service end device display. In step 450, the user redeems the voucher through a service provider, such as a communications company or vendor. In one embodiment, the user uses a communication device, such as a cellular telephone, to access a communication network and enters the voucher code to access the pre-paid services corresponding to the voucher. In an alternate embodiment, the user presents the voucher or enters the voucher number into an automated system at a location that dispenses the goods purchased.
Figure 5 shows a method of providing vouchers redeemable for goods and services through a transaction system connected to a financial data network.
In step 510, a transaction system receives a transaction request to purchase goods or services.
For example, the transaction system may receive a transaction message containing payment account data, a PIN, a good/service description, a good/service provider designation, a good/service value, and a designation for the originating address (e.g., the ATM where the transaction was initiated). In step 520, the transaction system retrieves an appropriate voucher for the good or service, provider, and value.
The transaction system may access an appropriate database of vouchers and search for a voucher designated as available (step 521). Alternatively, a new voucher may be created and added to the database. The selected voucher may be marked as sold so that the same voucher is not sold to more than one user (step 522). In step 530, the transaction system verifies the payment information (account and PIN) based upon the

- 31 -value of the transaction with a financial service provider, such as through an electronic funds transfer network. The transaction system may initially place a query to the appropriate financial service provider for the account be directing the query through a routing system. If the query returns data signifying an authorized account with sufficient available funds or credit, the transaction system may send a second transaction in order to execute an appropriate debit or credit transaction with the financial institution. Upon successful completion of the payment transaction, the transaction system returns the voucher information to the service end device originating the transaction (step 540).
Figure 6 shows a method of redeeming vouchers for goods and services issued through a transaction system connected to a financial data network. In step 610, a fulfillment service provider, such as a communication service provider or vendor, receive a request for a product, such as goods or services. The protocol for receiving the product request may be defined by individual service providers and may be provided to the user by instructions provided at the time a voucher is purchased or at the site or device through which the product request is made. For example, a telephone service provider may provide a toll free number that the user calls to initiate a service request, a cellular telephone service provider may pre-program the protocol into the user's cellular telephone, or a vendor may provide redemption systems (such as vending machines) pre-programmed with the protocol. In step 620, the fulfillment service provider receives voucher data, such as a voucher access code. In step 630, the fulfillment service provider validates the voucher access number against the contents of a voucher data source. For example, record for the voucher is located using the voucher access number and the record is checked for compatibility with requested services and remaining unused value. In step 640, the fulfillment service provider provides the product requested according to the compatibility and value of the validated voucher. Products may be provided in such a way as to prevent exceeding any remaining value in the voucher, such as by returning an available product amount to the product dispensing system. In step 650, the voucher use is recorded in the voucher record for the voucher used. A voucher may be exhausted or may have remaining value.

- 32 -Figure 7 illustrates steps in a method of using a transaction system for account based purchase of goods or services through a financial data network. In step 710, a user accesses a service end device, such as by providing an access card (e.g., debit card, credit card, etc.) and a PIN. In one embodiment, the service end device may be a personal communication device and the transaction system may include a virtual card registry and/or cryptography system for enabling transactions without the use of an access card. In step 720, the user selects a pre-existing account on which to recharge the value. In one embodiment, the user is offered a menu of the user's pre-pay accounts enabled for recharging through the transaction system. In step 730, the user selects an amount to recharge. In step 740, the user provides payment information. In one embodiment, a standard or user-defined automated transaction encompassing steps 710, 720, and/or 730 may available based upon a single selection through the service end device. For example, an ATM or personal communication device may offer a quick recharge feature which accesses a pre-defined account choice, payment method, and recharge value. In step 750, the user receives confirmation of successful recharging of the account and provision of payment from the transaction system. In step 760, the user accesses the goods or services available through the pre-paid account, for example, by providing a user account number to a vendor or utilizing a communication device associated with a particular account number.
Figure 8 illustrates steps in a method of recharging an account with value redeemable for goods and services through a transaction system connected to a financial data network. In step 810, a transaction system receives a recharge transaction request. In step 820, the transaction system verifies the existence, authorization, and availability of the account for recharging through the transaction system by querying an account data source. In step 830, the transaction system verifies user payment information through a financial data network from a financial service provider. In an alternate embodiment, the transaction system verifies that user payment has been received at a remote locations (such as a retail outlet). For example, the user may appear at a retail outlet, tender payment in cash (or some other payment method accepted by the outlet), and the retail outlet may submit a user transaction request with an appropriate vendor code indicating that payment has been

- 33 -received. In step 840, the transaction system updates the user account according to the value purchased. In step 850, the transaction system returns confirmation to the user of the successful recharge transaction.
In Figure 9, a method of providing goods and services based upon the value in an account recharged through a transaction system connected to a financial data network is shown. In step 910, a fulfillment service provider received a product request for goods or services according to a pre-defined product request protocol. In step 920, the fulfillment service provider receives an account identification corresponding to the user's recharged pre-pay account. In step 930, the fulfillment service provider validates the existence, authorization, and available value in the account by accessing an account data source. In step 940, goods or services are provided in accordance with the available value in the account. In step 950, the account record is updated to reflect the use of the account and any associated reduction in remaining value.

Claims

CLAIMS:

1. A
system for purchasing pre-paid telecommunication services using a financial data network, comprising:
an account data source including account data for a user's pre-paid account, the account data including a quantity of usage rights available to the user for telecommunication services associated with that pre-paid account;
a service end device comprising an input device for receiving a user service request from a user;
an electronic transaction system in communication with said account data source and said service end device, the electronic transaction system being arranged to receive the user transaction request from the service end device and to recharge the quantity of usage rights in said account data source in response to the user transaction request;
a telecommunication system in communication with said account data source and arranged to provide said telecommunication services associated with the user's prepaid account, wherein the telecommunication system comprises a module arranged to adjust the quantity of usage rights in said account data source in response to use of the telecommunication services associated with the user's pre-paid account, to track the quantity of usage rights remaining in the account data source, and to allow access to said telecommunication services in accordance with said tracking;
a plurality of electronic payment systems for a plurality of financial institutions, in communication with said transaction system for executing a payment settlement transaction based upon fulfilment of the user transaction request;
wherein the electronic transaction system includes a routing system for the financial data network, wherein the user service request is directed to said routing system by said service end device; and wherein the routing system comprises: a plurality of communication channels to the payment systems is adapted to route communications using a plurality of different protocols, a routing table including conditions used to determine which of said plurality of financial institutions the transaction request is routed to, and logic adapted to direct the transaction request according to a protocol appropriate to the determined financial institution so as to initiate a transaction between the payment system of the determined financial institution and said account data source and thus recharge the quantity of usage rights tracked by said module of the telecommunication system.

2. The system of claim 1, wherein:
the account data in said account data source includes a quantity of phone service usage rights available to the user for phone telecommunication services associated with the user's pre-paid account;
the transaction system is for recharging the quantity of phone service usage rights in said account data source in response to the user transaction request;
the telecommunication system is a phone telecommunication system arranged to provide phone telecommunication services associated with the user's prepaid account, and said module of the telecommunication system is arranged to adjust the quantity of phone service usage rights in said account data source in response to use of the phone telecommunication services and to allow access to said phone telecommunication services in accordance with said tracking; and said logic in the routing system is adapted so as to initiate said transaction so as to recharge the quantity of phone service usage rights tracked by said module of the phone telecommunication system.

3. The system of claim 2, wherein: the phone telecommunication system is a mobile phone telecommunication network.

4. The system of any one of claims 1 to 3, wherein the financial data network is an electronic funds transfer network.

5. The system of claim 1, wherein the service end device is an automatic teller machine or point of sale system.

6. The system of claim 1, further comprising an application server and wherein the user service request is directed to said application server by said service end device.

7. The system of claim 1, further comprising a card registry data source and wherein said transaction system executes automated transactions using card data retrieved from said card registry data source.

8. The system of claim 7, wherein the service end device includes a selector for executing the automated transactions using card data retrieved from said card registry data source.

9. The system of claim 8 wherein the selector is a hardware selector.

10. The system of claim 1, further comprising a cryptography system and wherein at least a portion of the user service request is directed through said cryptography system and encrypted to meet encryption standards of the financial data network.

11. The system of claim 1, wherein the service end device is a portable communication device.

12. The system of claim 1, wherein the service end device includes an indicator to show when the user's pre-paid account has fallen below a predetermined balance.