CN101529770A

CN101529770A - Utilizing phrase tokens in transactions

Info

Publication number: CN101529770A
Application number: CNA2007800395485A
Authority: CN
Inventors: 阿米特·D·阿加瓦尔; 迈克尔·M·乔治; 伊恩·W·弗里德; J·P·贝索斯; 彼得·S·沃谢尔
Original assignee: Amazon Technologies Inc
Current assignee: Amazon Technologies Inc
Priority date: 2006-08-25
Filing date: 2007-08-27
Publication date: 2009-09-09

Abstract

The invention provides a system and method for facilitating transactions utilizing phrase tokens. Individual entities can be associated with unambiguous transaction phrase tokens, such as multiple word phrases. The transaction phrase tokens are associated with transaction accounts by a service provider such that the entities can complete a transaction without having to exchange transaction account information. In a transaction, a transaction phrase token is offered to an accepting party, which tenders the offered transaction phrase token to the service provider. The service provider processes the offered transaction phrase token according to configuration information specified for the transaction phrase token. The service provider can automatically process the transaction request or request additional information.

Description

In transaction, utilize phrase tokens

Background technology

On the whole, computing equipment and communication network (as the Internet) can be so that person-to-person various transaction.When being applied to financial transaction, computing equipment creates the chance of expansion to finish transaction with combining of communication network for entity (as individual and/or enterprise).In simple embodiment, two entities can send relevant financial information (as number of the account) and personal information to finish transaction by communication network.Yet meanwhile, the transaction chance of expansion can cause the extra misgivings with the exchange correlation of detailed financial account information (as Bank Account Number) and/or personal information.On the one hand, transaction each side may be irresolute to showing detailed financial information and personal information, and this is a possibility of using these information with fraudulent mean owing to existing, particularly under other entities the unknowns or incredible situation.On the other hand, transaction each side may careful exchange financial information, and this is owing to exist a side to handle the possibility of false transaction information (as incorrect quantity, dealing money or repeat to charge).

A kind of trial that alleviates the misgivings that join with the financial information exchange correlation relates to the establishment to third party's intermediate account.According to this embodiment, the third party ISP can set up the special trading account of being supported by accounts of finance, as the checking account of bank, credit card, stored value card account etc.If the both sides of financial transaction keep special trading account, then both sides can adopt its transaction account information of formal freedom ground exchange of account identification symbol, and this just allows each corresponding account of ISP's debit/credit.In various alternatives, the ISP can adopt extra safety measure and/or adopt extra safety measure in the process of the proposed transaction of checking in setting up the process of special trading account, to reduce fraudulent trading or wrong transaction.Yet, the current approach of being convenient to conclude the business special trading account is expressed as digital number of the account aspect may be to some extent not enough.In addition, the account-holder is not easy the configuration using number of the account of concluding the business specially and handles the current approach of transaction.For example, the account-holder do not have usually ability by for example automatically configuration acceptance, the tied transaction exposure of transaction waited dispose its conventional transaction account.

Description of drawings

In conjunction with the accompanying drawings,, can understand also easier aforementioned aspect of the present invention and the many bonus recognized better by with reference to following detailed description, in the accompanying drawing:

Fig. 1 shows the block diagram of system according to one aspect of the invention, and this system utilizes transaction phrase token to handle transaction, and comprises a plurality of transaction phrase token holders and transaction phrase token processing service;

Fig. 2 A show according to an aspect of the present invention, initiate and handle the block diagram that transaction phrase token proposes by system shown in Figure 1;

Fig. 2 B show according to an aspect of the present invention, by the block diagram of the processing of system shown in Figure 1 approval transaction phrase token holder's transaction phrase token request;

Fig. 2 C show according to an aspect of the present invention, by the block diagram of the processing of system shown in Figure 1 refusal transaction phrase token holder's transaction phrase token request;

Fig. 2 D show according to an aspect of the present invention, by the block diagram of the processing of system shown in Figure 1 band prejudice ground refusal transaction phrase token holder's transaction phrase token request;

Fig. 2 E shows transaction phrase token according to an aspect of the present invention, that initiate and handle the transaction phrase token holder by system shown in Figure 1 and transmits the block diagram of request;

Fig. 3 shows flow chart according to an aspect of the present invention, handled the transaction phrase token allocation routine that service realizes by transaction phrase token;

Fig. 4 A show according to an aspect of the present invention, by the block diagram of the screen display of being convenient to produce to the computing equipment of transaction phrase token holder dispensing transaction phrase tokens;

Fig. 4 B shows the block diagram of screen display according to an aspect of the present invention, that produced by the computing equipment of being convenient to configuration of transaction phrase tokens;

Fig. 5 show according to an aspect of the present invention, with the flow chart of the corresponding trading processing routine of transaction phrase token, this trading processing routine is handled service by transaction phrase token and is realized;

Fig. 6 A shows the block diagram of screen display according to an aspect of the present invention, and this screen display is by being convenient to submit to transaction phrase token to be produced with the computing equipment of finishing purchase-transaction;

Fig. 6 B shows the block diagram of screen display according to an aspect of the present invention, and this screen display is by being convenient to announce that transaction phrase token is produced with the computing equipment of finishing purchase-transaction;

Fig. 7 A shows the block diagram of screen display according to an aspect of the present invention, and this screen display is produced by the transaction of being convenient to accept be associated with transaction phrase token and the computing equipment of this transaction phrase token of additional configuration; And

Fig. 7 B shows the block diagram of screen display according to an aspect of the present invention, and this screen display is produced by the transaction of being convenient to refuse be associated with transaction phrase token and the computing equipment of this transaction phrase token of additional configuration.

Embodiment

A kind of system and method that utilizes phrase tokens to be convenient to conclude the business is provided.Each entity can be associated with clear and definite transaction phrase token (as many speech phrase).The ISP is associated transaction phrase token with trading account, so that entity can be finished transaction and needn't exchange transaction account information.In transaction, to reciever transaction phrase token is proposed, reciever is given the ISP with the formal proposition of the transaction phrase token that is proposed.The ISP is according at the transaction phrase token that is proposed and the configuration information of appointment is handled this transaction phrase token.The ISP can handle transaction request or request additional information automatically.

According on the one hand, provide a kind of system that is used to handle transaction.This system comprises: the token issuer assembly is used for producing transaction phrase token to the transaction phrase token holder.Each transaction phrase token is corresponding to character group, and for the transaction phrase token holder, this character group has Secondary Meaning on the whole.Can adopt multiple mode to represent transaction phrase token.In addition, each transaction phrase token is associated with trading account.This system also comprises: the token processing components is used to handle the request from a side different with the transaction phrase token holder.Request from this opposing party is corresponding with the request of finishing transaction, and this request comprises the expression from transaction phrase token holder's transaction phrase token.

Based on the configuration of transaction phrase token, transaction phrase token is handled service can handle transaction request.Based on this processing, when successfully having handled transaction request (as the debit or the credit of trading account), transaction phrase token is handled service can be so that regulate the trading account that is associated with transaction phrase token.

According on the other hand, provide a kind of system of being convenient to conclude the business.This system comprises the transaction phrase token that is associated with trading account.This transaction phrase token is corresponding to the character group of being selected on the whole by the transaction phrase token holder who is associated with transaction phrase token assignment request.This system also comprises: transaction phrase token is handled service, is used to handle the request at finishing the transaction request that comprises that transaction phrase token is represented.Then, based on the configuration of transaction phrase token, transaction phrase token is handled service can handle transaction request.

According on the other hand, provide another system of being convenient to conclude the business.In this embodiment, this system comprises and the corresponding transaction phrase token of the character group that is associated with trading account.This system also comprises: transaction phrase token is handled service, is used to handle the request at finishing the transaction request that comprises that transaction phrase token is represented.Based on the configuration by the specified transaction phrase token of transaction phrase token holder, transaction phrase token is handled service and then is handled transaction request.

According on the other hand, provide a kind of transaction method of being convenient to handle.This method can be handled service by token and realize.According to this method, this token is handled service and is obtained at the request of finishing the transaction request between two sides that comprise transmit leg.This transmit leg can be associated with the transaction phrase token corresponding to character group.For the trading account that debit is associated with transaction phrase token, transmit leg only sends to the recipient with transaction phrase token.Then, based on the configuration of this at least one transaction phrase token, token is handled service and can be handled at the request of finishing transaction.

According on the other hand, but provide a kind of computer-readable medium transaction, that have the computer executive module of being convenient to relate to transaction phrase token.But the computer executive module comprises the token account interface that is used for the option dealing phrase tokens.This transaction phrase token is associated with trading account.In addition, this transaction phrase token is corresponding to the character group of being selected by the transaction phrase token holder who is associated with the token request for allocation.But the computer executive module also comprises: the token processing components is used to obtain the transaction request corresponding to the transaction phrase token of being discerned.According to the configuration information that is associated with the transaction phrase token of being discerned, token processing modules process transaction request.

On the other hand, provide a kind of method of being convenient to the option dealing phrase tokens.This method can be handled service by token and realize.According to this method, token is handled service and has been obtained to select with the user of the corresponding whole character group of target transaction phrase token.This whole character group is corresponding with the transaction phrase token that will be used to regulate trading account.Token is handled service and determine whether this target transaction phrase token is clear and definite for set of transaction phrase tokens.In addition, token is handled service whether clear and definite the indication for set of transaction phrase tokens of this transaction phrase token is provided at the user interface place.

On the other hand, provide a kind of transaction method of being convenient to handle.This method can be realized by the transaction phrase token recipient.According to this method, transaction phrase token recipient has obtained the request from the transaction of transmit leg.Should comprise the expression of the transaction phrase token that is associated with trading account at the request of finishing transaction.In addition, transaction phrase token is made up of the character group that the transaction phrase token holder who is associated with transaction phrase token assignment request selects on the whole.Then, based on the configuration of this at least one transaction phrase token, transaction phrase token recipient handles service to token and sends at the request of finishing transaction.

On the whole, the present invention relates to utilize transaction phrase token to be convenient to transaction.On the one hand, the present invention relates to by between two or more transaction entities (as individual, company, system, computer, service etc.), sending the system and method that at least one clear and definite transaction phrase token is convenient to conclude the business.In illustrative examples, each clear and definite transaction phrase token is corresponding to the group that select, that have one or more characters by the transaction phrase token holder, when this had the group of one or more characters, this group with one or more characters was transmitted Secondary Meaning to the transaction phrase token holder when passing on (as say, write out, announcement etc.) on the whole.This clear and definite phrase tokens can be exclusively used in specific language, dialect or symbols (as alphanumeric character).The character (as " taxi of Joe and public utilities ") that the Secondary Meaning that is transmitted by transaction phrase token can use corresponding to the expection of transaction phrase token holder's character (as " No.1 Pearl Jam fan ") or transaction phrase token.

Each transaction phrase token can be associated with the configuration information of being convenient to handle the transaction that relates to transaction phrase token.In illustrative examples, this configuration information can relate to the type (as debit or credit) of adjusting activity, the trading account that this adjusting activity allows to be used for to be associated with transaction phrase token (account of creating as bank account, credit card, ISP etc.) is at the standard of the concrete seller's processing rule, goods, dealing money, expiration data etc.In another embodiment, can control transaction phrase token by the entity of the basic trading account of control.Alternatively, can control transaction phrase token by the specified entity (as less important entity) of the entity that is used to control preferential trading account (as main entity).For example, in the control and/or the use to transaction phrase token that keep basic trading account, the father and mother that are used to control trading account can gift, borrow and give or authorize child to use transaction phrase token.Correspondingly, on the other hand, the present invention relates to be convenient to dispose and utilize the system and method for transaction phrase token by the entity that is used to control transaction phrase token.

At schematic purpose, can utilize transaction phrase token system to finish transaction between two sides.Suppose that the transaction phrase token holder wishes to finish transaction with the opposing party, this opposing party requires this transaction phrase token holder that fund is transferred to this opposing party (as buying goods from this opposing party).In order to initiate the transfer of fund, this transaction phrase token holder has proposed selected transaction phrase token to this opposing party, for example by submitting this token via web-page interface to, carrying out interface with information kiosk (kiosk) and be connected, send transaction phrase token etc.This opposing party receives transaction phrase token, the submission of understanding the transaction phrase token proposed will cause transferable means (as currency, credit, loyalty point (loyalty point) etc.) from trading account that the transaction phrase token that is proposed is associated finally shift.During the transaction phrase token that proposes receiving, this opposing party can carry out additional treatment step, as safety verification, credit verification etc.

Continue with reference to schematic example, in order to carry out the transfer of fund/credit, this the opposing party sends to the transaction phrase token that is used to discern transaction related information with fund transfer request and handles service, expression and any additional information of the transaction phrase token that this transaction related information for example is dealing money, proposed.Transaction phrase token is handled service and received this request and can use the various processing rules that are associated with the transaction phrase token that is proposed, and comprising: approval/refusal is concluded the business, notifies certain party, is requested for permission from transaction phrase token holder's transaction etc. automatically.Then, based on processing rule to disposing at the transaction phrase token that is proposed, transaction phrase token is handled service can utilize transaction account interface, makes or is caught fund/credit is transferred to the trading account that is associated with this opposing party from the trading account that is associated with transaction phrase token.In transaction and/or the confirmation letter time spent ratified to the transaction account notice, this opposing party can initiate to carry out any uncompleted task that is associated with this transaction, as convey goods, finish/initiate to serve etc.

Though will about schematic operating environment and assembly, schematically the transaction phrase token structure, use the schematic example of transaction phrase token and schematically screen display the present invention is described, various equivalent modifications will recognize that the disclosed embodiments are schematically and not to be interpreted as restriction in essence.

Referring to Fig. 1, use description to handle the schematic transaction phrase token system 100 of transaction phrase token.This system comprises a plurality of transaction

phrase token holder

102A, 102B, 102C, 102D and the 102E that can be associated with one or more transaction phrase token.On the one hand, transaction phrase token holder can be corresponding to the transaction phrase token sender who has proposed transaction phrase token, and in this transaction phrase token, the trading account that is associated with this transaction phrase token will be as a part of concluding the business and by debit.On the other hand, the transaction phrase token holder can with obtained transaction phrase token and to the trading account request transaction phrase token recipient of credit corresponding.In an illustrative examples, transaction phrase token recipient can utilize the part of another transaction phrase token as transaction, so that the configuration that is associated with second transaction phrase token will be used for providing credit to the trading account that is associated with second transaction phrase token.Alternatively, the transaction phrase token recipient can directly ask credit to the trading account of being kept by the transaction phrase token service supplier.

In an illustrative examples, transaction phrase token holder (as transaction

phrase token holder

102A, 102B and 102C) can with can pass on the individual corresponding of its transaction phrase token by various communication equipments (as personal computer 104, mobile phone 106, special equipment (as information kiosk, point of sales terminal), writing implement and even by word of mouth).As shown in Figure 1, in the middle of the transaction phrase token holder, the quantity of communication equipment can be different with type.In addition, communication equipment can be corresponding to the general communication equipment that can accept/send transaction phrase token, as mobile phone.Alternatively, communication equipment can be corresponding to the equipment through particular arrangement that is used to pass on transaction phrase token, as information kiosk.

In another embodiment, transaction phrase token holder can be corresponding to merchants/vendors/ISP, as transaction phrase token holder 102D and 102E.On the one hand, transaction

phrase token holder

102D and 102E can receive from another transaction phrase token holder of a part as transaction transaction phrase token (as, as the recipient).On the other hand, transaction

phrase token holder

102D and 102E can send transaction phrase token to another transaction phrase token holder as a part of concluding the business.Transaction

phrase token holder

102D and 102E can send and/or receive transaction phrase token by multiple communication equipment (as computing equipment, special equipment (as information kiosk or point of sales terminal), telephone plant, speech interface, video interface or by the people agency by word of mouth).Will be explained in more detail as following, transaction

phrase token holder

102D and 102E can realize being convenient to other transaction phrase token holder 102A-102C or 102D-102E (common be " transaction phrase token holder 102 ") but and transaction phrase token handle service and carry out mutual a plurality of computer executive modules.Particularly, transaction

phrase token holder

102D and 102E can comprise the transaction phrase token interface 108 that is used for obtaining from other transaction phrase token holder 102 transaction phrase token.In an illustrative examples, can select concrete transaction phrase token interface 108 with corresponding to the method that obtains transaction phrase token (as, information kiosk, communication network, oral, phone etc.).Transaction

phrase token holder

102D and 102E can also comprise and be used for handling ISP's interface 110 that service communicates with transaction phrase token.As shown in Figure 1, different transaction phrase token holders 102 can directly or at communication network (as the Internet) go up reception and registration/trade deal.

Transaction phrase token system 100 can also comprise: transaction phrase token is handled service 112, is convenient to finish the transaction between two or more transaction phrase token holder 102.As will be explained in more detail, transaction phrase token is handled the request that service 112 can obtain the trading account that is associated with transaction phrase token at debit/credit, and correspondingly handles this request.Though describe the processing of transaction about two transaction phrase token holders 102, the present invention can be so that adopt the transaction of the exchange of single transaction phrase token.In addition, on the other hand, transaction phrase token is handled service 112 and can also be carried out mutual so that configuration holder's transaction phrase token with the transaction phrase token holder.

Transaction phrase token is handled service 112 can realize transaction account interface 114, so that distributed and configuration of transaction phrase tokens by transaction phrase token holder 102.Transaction phrase token is handled service 112 can also comprise transaction phrase token processing components 116, so that handle transaction request.Transaction phrase token is handled service can comprise account data source 118, and as database, data storage, data file etc., account data source 118 comprises financial information, transaction account information and transaction phrase token configuration information.

Those skilled in the relevant art will recognize that transaction phrase token is handled service 112 and can be comprised: additional software components can be used for carrying out mutual with each transaction phrase token holder 102 and/or being convenient to handle transaction request.For example, transaction phrase token is handled service 112 and can be comprised various finance and transaction software assembly or service and/or carry out interface with various finance and transaction software assembly or service and is connected, so that keep and the processing trading account.In addition, transaction phrase token is handled service 112 and can be comprised various personalizations and follow the tracks of component software or service and/or with various personalizations with follow the tracks of component software or service is carried out interface and is connected, so that serve at the next personalized transaction phrase token processing of each transaction phrase token holder.In addition, though transaction phrase token being handled service 112 in system 100 illustrates as single component, but various equivalent modifications will recognize that transaction phrase token is handled service 112 can be corresponding to a plurality of computation modules and/or the computing equipment that can distribute on communication network.

Referring now to Fig. 2 A-2E,, will describe two transaction phrase token holders (for example, transaction

phrase token holder

102A and 102D) and transaction phrase token and handle schematically mutual between the service 112.Referring to Fig. 2 A, transaction can be with two transaction phrase token holders---recipient 102D and sender 102A alternately to start with.Suppose based on certain alternately, sender 102A will propose transaction phrase token, so that pay to recipient 102D from the trading account that is associated with the transaction phrase token that is proposed.Propose and/or when the trading account that is associated with recipient 102D has shifted fund/credit, will finish transfer having finished the consistent element of reaching an agreement on (agreed upon element) control.For example, if the consistent element of reaching an agreement on is a goods, then Kong Zhi transfer can be the physical exchange of this goods.Consistent element is service if reach an agreement on, and then Kong Zhi transfer can be the execution/finish of this service.

As previously mentioned, any in the multiple communication means may be used to send transaction phrase token, include but not limited to the communication network software application (as, webpage, instant message etc.), wireless communications application program (as text message, Bluetooth transmission etc.), dedicated hardware/software (but as information kiosk, point of sales terminal connection device), oral (as phone or in person) and/or other open mechanism (as dull and stereotyped computing equipment, bar code, paper etc.).In addition, as previously mentioned, transaction phrase token is made up of character group (as " I like coffee "), and when passing on this character group such as (as say, write out or announcement) on the whole, this character group is transmitted Secondary Meaning to the transaction phrase token holder.

Based on the transaction phrase token that is proposed, recipient 102D can carry out some inter-process to transaction phrase token.In an illustrative examples, recipient 102D can keep cargo transport or carry out the consistent element of agreement up to complete transaction.In another embodiment, recipient 102D can ask additional information from sender 102A to finish security provisions.For example, recipient 102D can ask PIN or password.In another embodiment, recipient 102D can ask the backup form paid, as credit card.Whether in another embodiment, recipient 102D can also realize some initial treatment, similar to other existing transaction phrase token in expression with the transaction phrase token that identification receives.For example, if recipient 102D has received the oral representation of object phrase token (as " Red Book "), then the recipient can determine whether to exist similarly other transaction phrase token (as " Read Book ") of pronunciation in system 100.Similarly, if recipient 102D has received written expression (as " Potatoe Salad "), then recipient 102D attempts recognition category other transaction phrase token (as " Potato Salad ") like spelling or suitable spelling.In this embodiment, recipient 102D can require the suitable transaction phrase token of sender 102A checking.

After having finished any initial treatment, recipient 102D sends to transaction phrase token with request and handles service 112 with the approval transaction.This request can comprise: corresponding to the information of this transaction, for example, to the sign of the transaction phrase token that proposes from sender 102A, about arbitrary transaction phrase holder's additional information, about the descriptor of this transaction and the transaction phrase token of recipient 102D (or other trading account process informations).

When receiving request, transaction phrase token is handled the automatic processing that service 112 can be initiated request that transaction phrase token is handled.In an illustrative examples, each transaction phrase token can dispose and can handle a plurality of processing rules/instruction that service 112 is carried out by transaction phrase token.In one embodiment, this processing rule can for example, never be accepted the transaction phrase token request from the said firm corresponding to by the automatic approval/refusal of certain transaction phrase tokens recipient to request.In another embodiment, this processing rule can for example, be ratified the following All Activity of $10 corresponding to the threshold value of the value that is used for automatic approval/refusal All Activity.In another embodiment, this processing rule can be corresponding to the automatic approval/refusal at the classification of the type of goods or goods, for example, and any transaction of being associated with the material of being grown up of refusal automatically.In another embodiment, this processing rule can be corresponding to the use restriction of the trading account that is associated with transaction phrase token.For example, the trading account that is associated with transaction phrase token can only be configured to the credit side and must not be configured to the debit.In addition, this processing rule can be corresponding to the request at the transaction that requires to be provided by the approval of the authoritative institution of transaction phrase token holder or another appointment.For example, the All Activity phrase tokens can be configured to acquiescence, ratifies All Activity to require the transaction phrase token sender.In another embodiment, whether this processing rule can be used to the expiration of concluding the business effectively or cancel data corresponding to the given transaction phrase tokens.Those skilled in the relevant art will recognize, according to transaction phrase token, can use various config options, comprise the combination of various processing rules or the increase/eliminating of processing.

Continuation is referring to Fig. 2 A, and under the situation that requires the sender to ratify, transaction phrase token is handled service 112 can convey to sender 102A with ratifying a motion.In an illustrative examples, transaction phrase token is handled service can utilize any one of the multiple communication means that is used for notifying sender 102A and requests for permission.In one embodiment, transaction phrase token is handled service and electronic information (as Email, text message or instant message) can be sent to the designated communication account that is associated with sender 102A.In another embodiment, can provide the group of trading approving request in batches to sender 102A by secure web-page.In another embodiment, can provide the approval interface that produces by the special equipment that is positioned at the physical locations that is associated with recipient 102D (as, information kiosk) to sender 102A.For example, can require sender 102A to log on information kiosk and approval transaction when he or she physically is in recipient's the loco.In another embodiment, transaction phrase token is handled service 112 can provide the interactive voice service, allows sender 102A to ratify transaction on based on the interface of phone.Can also realize other or alternative notice/approval method.

Referring now to Fig. 2 B,, in an illustrative examples, sender 102A can send the approval of transaction in the above described manner.Then, transaction phrase token is handled service 112 and can be handled this approval.In one aspect, in the mode by this transaction appointment, recipient and sender's trading account can be respectively a borrowing and lending.On the other hand, sender 102A can handle service 112 to transaction phrase token feedback is provided, and with its transaction phrase token of additional configuration, this will describe in more detail following.On the other hand, at each transaction

phrase token holder

102A, 102D, about the number and any additional feedback relevant with sender 102A or recipient 102D of approval, transaction phrase token is handled service 112 can also keep and upgrade grade or other statistical trace information.Transaction phrase token is handled the recipient 102D that service 112 can also send to notice this approval.

Referring now to Fig. 2 C,, in the alternative of Fig. 2 B, sender 102A can send the refusal of transaction in the above described manner.Then, transaction phrase token is handled service 112 and can be handled this refusal in many ways.In one aspect, sender 102A can handle service 112 to transaction phrase token feedback is provided, and with its transaction phrase token of additional configuration, this will describe in more detail following.On the other hand, at each transaction phrase token holder, about the number and any additional feedback relevant with sender 102A or recipient 102D of refusal, transaction phrase token is handled service 112 also can keep and upgrade grade or other statistical trace information.On the other hand, transaction phrase token is handled service 112 and notice can be sent to recipient 102D.Based on this notice, recipient 102D can provide feedback to sender 102A and/or transaction phrase token processing service 112, to proofread and correct the information that this transaction or clarification are associated with the transaction of being refused.For example, recipient 102D can attempt the mistake in the request of clarifying and/or handle service 112 or sender 102A obtains additional information from transaction phrase token.

Referring now to Fig. 2 D,, similar with Fig. 2 C in the alternative of Fig. 2 B, sender 102A can send refusal transaction, band prejudice in the above described manner.In this embodiment, suppose and to correct at handling the transaction phrase token proposed to finish the request of this transaction.Then, similar with Fig. 2 C, transaction phrase token is handled service 112 and can be adopted multiple mode to handle the refusal of band prejudice.In one aspect, at each transaction phrase token holder, about the number and any additional feedback relevant with sender 102A or recipient 102D of refusal of band prejudice, transaction phrase token is handled service 112 can keep and upgrade grade or other statistical informations.Then, transaction phrase token is handled service 112 sends notice from the refusal of band prejudice to recipient 102D.Based on this notice, recipient 102D can handle the refusal of band prejudice and may needn't provide feedback.For example, recipient 102D can stop fulfillment process or initiate request at the consistent element of the agreement of returning this transaction.

Referring now to Fig. 2 E,, in another illustrative examples, another transaction can be with two transaction phrase token holders---between recipient 102D and the sender 102A alternately to start with.In this embodiment, suppose based on certain alternately, sender 102A will propose transaction phrase token, to receive from the payment of recipient 102D to the trading account that is associated with sender's transaction phrase token.For example, the transaction phrase token of sender 102A can have the charity organization of other entities to its cause donations corresponding to hope.As previously mentioned, in the multiple communication means any one can be used to send transaction phrase token, include but not limited to that communication network software application, cell phone, dedicated hardware/software, verbal message and/or other announce mechanism.As previously mentioned, transaction phrase token is made up of character group (as " Red Cross hurricane rescue plan "), when passing on this character group such as (as say, write out or announcement) as integral body, and this character group transmission Secondary Meaning.

Based on the transaction phrase token that is proposed, recipient 102D can carry out some inter-process to transaction phrase token.In an illustrative examples, recipient 102D can ask at the additional information of finishing security provisions.For example, recipient 102D can ask PIN or the password from sender 102A.After having finished any initial treatment, recipient 102D sends to transaction phrase token with request and handles service 112 to ratify this transaction.This request can comprise the information corresponding to this transaction, for example, to the sign of the transaction phrase token that proposes from sender 102A, about arbitrary transaction phrase holder's additional information, about the descriptor of this transaction and/or the transaction phrase token that is associated with recipient 102D (or other trading account process informations).

When receiving this request, transaction phrase token is handled the automatic processing that service 112 can be initiated request that transaction phrase token is handled.As mentioned above, each transaction phrase token can with can handle a plurality of processing rules/instructions that service 112 carries out by transaction phrase token and be associated.Aspect this, can realize of the deception of one or more processing rules with the transaction phrase token that prevents to dock receipts person.In one embodiment, this processing rule can comprise by the automatic approval/refusal of specific sender to request, for example, never accept the transaction phrase token request from the said firm.In another embodiment, this processing rule can comprise the threshold value of the value that is used for automatic approval/refusal All Activity.In another embodiment, this processing rule can comprise the automatic approval/refusal at the grade of the type of goods or goods.In another embodiment, this processing rule can be corresponding to the use restriction of the trading account that is associated with transaction phrase token.In addition, this processing rule can be corresponding at the request that requires the sender to ratify.Yet in described illustrative examples, typically, transaction phrase token is handled the approval that service 112 will not require the sender, and this is because its account will be trusted probably.When sender and recipient's trading account were carried out credit and debit respectively, transaction phrase token is handled service 112 can give sender 102A and recipient 102D with the Notice Of Transactions of being finished.

Referring to Fig. 3, handle transaction phrase token distribution and the configuration routine 300 that service 112 realizes with describing by transaction phrase token.In frame 302, the transaction account interface component 114 that transaction phrase token is handled service 112 obtains transaction phrase token assignment request.In a schematic embodiment, when possible transaction phrase token holder for example files a request by internet web page is spontaneous, transaction phrase token assignment request can appear.In addition, transaction phrase token request can directly relate to finishing of transaction, for example, in response at the guarantee transaction phrase tokens so that the prompting of payment to be provided, and/or in response to the guarantee transaction phrase tokens to accept the request of payment.

In frame 304, transaction account interface component 114 obtains target transaction phrase token from possible transaction phrase token holder.In an illustrative examples, can obtain target transaction phrase token by going up the user interface that produces at communication equipment (as personal computer).Below will the interface that be used to obtain target transaction phrase token be described about Fig. 4 A.In judgement frame 306, test to determine whether target transaction phrase token is suitable.In one aspect, at least one class transaction phrase token holder 102, the character group that can require to form target transaction phrase token is clear and definite.For example, target transaction phrase token may not be with another existing transaction phrase token identical or its simple variation (as plural number, common misspelling etc.).In addition, can also require target transaction phrase token is clear and definite (for example, adopting the expression of the transaction phrase token of dual-tone multifrequency " DTMF ", the pronunciation of transaction phrase token etc.) in its various expressions.

If do not determine that target transaction phrase token is clear and definite, then in frame 308, transaction account interface component 114 is handled indefinite target transaction phrase token, and program 300 turns back to judgement frame 306.In an illustrative examples, if target transaction phrase token is indefinite, then transaction account interface component 114 can provide visual cues on screen display.In addition, variant based on the target transaction phrase token of previous submission, based on the information that is associated with the transaction phrase token holder, transaction account interface component 114 can also be from the alternative transaction phrase token of source (as database or data storage) suggestion of transaction phrase token available or commonly used.On the other hand, according to the strategy of transaction phrase token processing service 112, it is suitable can requiring each target transaction phrase token.In one embodiment, transaction phrase token service 112 can forbid comprising the transaction phrase token of aggressive word or phrase.In another embodiment, transaction account interface component 114 can comprise and attempts the logic Secondary Meaning verified according to dictionary, blacklist, term of being got rid of etc.Transaction account interface component 114 can utilize the interface shown in Fig. 4 A to handle indefinite target transaction phrase token.

Referring now to Fig. 4 A,, will the screen display 400 that be produced by the computing equipment of being convenient to the select target transaction phrase token be described.Shown in Fig. 4 A, screen display 400 comprises: first importation 402 is used for waiting the data clauses and subclauses that obtain corresponding to target transaction phrase token by for example keyboard, touch pad.Correspondingly, screen display 400 can be provided for importing the part of all types of target transaction phrase.As previously mentioned, screen display can visually be indicated by revising some outward appearances of proposed transaction phrase token, and when transaction phrase token is suitable.For example, proposed transaction phrase token is in shown in red font when being got, till being confirmed as suitable phrase tokens (as, some recognizable Secondary Meanings) and/or indeterminate value shown in 404, that determine.In addition, screen display 400 can comprise: whether visual cues (as stopping light 406) is used to indicate the target transaction phrase token of being submitted to suitable and/or clear and definite.

Continuation is referring to Fig. 4 A, and screen display 400 can comprise: second portion 408, utilize each provenance to advise acceptable transaction phrase token to possible transaction phrase token holder.In one embodiment, transaction account interface component 114 can utilize recommended engine to select various phrases or term corresponding to the various projects that are associated with the individual (as product/service).Various equivalent modifications will be recognized, follow the tracks of historical record, ownership or lease tabulation, preference etc. based on purchase history, web page browsing historical record, search term historical record, session, and recommended engine can provide personal recommendation.For example, if the user has bought a lot of Holmes's reasoning books, then screen interface can advise that " Holmesian " 410 or " reasoning storyteller's fan " 412 are as possible transaction phrase token.Transaction account interface component 114 can also be utilized the additional resource that is associated with the personal profiles of being discerned, and produces the phrase for the project most probable uniqueness of finding in the profile.Consider previous example, transaction account interface component 114 can be browsed all above-mentioned Holmes's reasoning books and the common phrase of most probable is being added up in " the simple utmost point, the Hua Sheng that I am dear " 414 conducts in the middle of these books.In addition, transaction account interface component 114 can provide the tabulation of available transaction phrase token from data source (as database).This tabulation can be corresponding to the previous transaction phrase token of utilizing, the handbook tabulation of the selection of various pop culture phrases (or its variant), possible transaction phrase token etc.

In another embodiment, transaction account interface component 114 can require the qualification by the entity selection target transaction phrase token.For example, transaction account interface component 114 can be categorized as certain transaction phrase tokens " high-quality " transaction phrase token.In one aspect, transaction account interface component 114 can require from the trading account transfer fund to obtain premium transaction phrase token.On the other hand, transaction account interface component 114 can realize that instructions for use is with qualified use premium transaction phrase token and/or keep selected premium transaction phrase token (for example, individual must finish the transaction of given number in every month with qualified use premium transaction phrase token).Various equivalent modifications will recognize, can also incorporate into other or alternative suggestion/authentication mechanism in the screen display or be incorporated as the part that multi-screen shows.

Turn back to Fig. 3, in case discerned the definite target transaction phrase token, in frame 310, transaction account interface component 114 will obtain the configuration information of transaction phrase token.In an illustrative examples, as will be about shown in Fig. 4 B, transaction account interface component 114 can produce the interface that is used to obtain transaction phrase token configuration information.In an illustrative examples, transaction account interface component 114 can point out the trading account that the one or more ISPs of User Recognition accept (as, the accounts that bank account, credit card, ISP create etc.), it will be used to regulate the transaction that is associated with selected transaction phrase token.In another embodiment, transaction account interface component 114 financial information that can obtain to add is to create the trading account that the ISP accepts.In frame 312, transaction account interface component 114 makes target transaction phrase token to use.In alternative, transaction phrase token is handled latent period and the additional control that service 112 can also realize some types, to prevent the abuse to the transaction phrase token of newly obtaining.In addition, transaction phrase token is handled the option that service 112 also can propose to select the transaction phrase token of other similar spellings or similar pronunciation to the transaction phrase token holder.

Now, description is shown the block diagram of the screen display 450 that produces by the computing equipment of being convenient to configuration of transaction phrase tokens referring to Fig. 4 B.Shown in Fig. 4 B, screen display 450 comprises the first 452 that is used to discern the selected transaction phrase token that will dispose.Display screen 450 also comprises the second portion 454 that is used to obtain various transaction phrase token configuration information.In one embodiment, whether screen display 450 trading account that can allow the transaction phrase holder to select to be associated with transaction phrase token can only be used for debit or only be used for credit.For example, screen display 450 can be provided for the optional control 456 at the debit configuration of transaction phrase tokens, and is used for another the optional control 458 at the credit configuration of transaction phrase tokens.In another embodiment, for example use control 460, screen display 450 can allow transaction phrase holder option dealing phrase holder will whether be used for International Transaction and/or will enable which kind of currency.Various equivalent modifications will recognize that control 456,458 and/or 460 can be configured to default setting.

In another embodiment, screen display 450 can allow the transaction phrase holder to specify the automatic processing rule of various transaction.For example, by selecting in control 462 or import identifying information in addition, transaction phrase holder can automatically ratify or refuse can discern from another transaction of entity (as seller).In another example, by in control 464, from the tabulation of the project obtained recently, select, option or provide a description information from catalogue, transaction phrase holder can ratify automatically or refuse at specific goods/project or at the transaction of the classification of goods or project.In another example, based on the dealing money in the control 466, transaction phrase holder can ratify or refuse transaction automatically.In another example, the transaction phrase holder can discern the one or more representatives that are allowed to utilize transaction phrase token in control 468.In another example, transaction phrase holder can regularly expire data (as the date or time scope) at control 470 middle fingers, has crossed this expiration data, and transaction phrase token can not be used in transaction.In another example, the transaction phrase token holder can manually select whether to enable transaction phrase token in control 472.Various equivalent modifications will recognize, the combination (for example, for textbook, if below the Zai $100, then accepting the All Activity of the bookstore from my son to Joe automatically) that transaction phrase holder can the designated treatment rule.

Continuation is referring to Fig. 4 B, and the second portion 454 of screen display 450 can also comprise the additional configuration service that is associated with selected transaction phrase token.In one aspect, by for example selecting link 474, can allow the transaction phrase holder to realize clearing with other transaction phrase holder's account.For example, transaction phrase token (as " room-mate of university hires out and public utilities ") can be set, to pay all taxis and public utilities by the trading account that is associated with certain transaction phrase tokens.Transaction phrase holder and then the debit money can be divided into the one or more trading accounts that are associated with other transaction phrase token (for example, " taxi of Peter ", " taxi of John " and " taxi of Bill ").On the other hand, the transaction phrase holder can wish by for example selecting link 476 to visit advanced transaction phrase token report service.For example, transaction phrase token is handled the Verbose Listing that service 112 can provide all the unsettled transaction that will ratify, the transaction of all approveds, the transaction that all have been refused etc.In another example, transaction account interface component 114 can provide statistical information, for example, maximum funds have been transferred to the transaction phrase token holder entity sign or receive the sign of the entity of maximum funds from the transaction phrase token holder.

On the other hand, by for example selecting link 478, transaction phrase holder can wish various metadata are associated with specific transaction phrase token, to allow additionally to excavate its usage.For example, " I like coffee " can be associated with cost all about amusement.Transaction account interface component 114 can utilize metadata to provide additional statistics to handle service to the transaction phrase token holder.For example, by identification and the All Activity that " amusement " is associated as the transaction phrase token of metadata, transaction account interface component 114 can provide every month about the transfer of amusement to tabulate.On the other hand, by for example selecting link 480, transaction phrase token is handled service 112 can also provide market with sale/use transaction phrase token.In an illustrative examples, specific transaction phrase token may be very welcome, as " I like coffee ".Correspondingly, the transaction phrase token holder can investigate assessment, sale and/or the taxi of transaction phrase token.Those skilled in the relevant art will recognize, may produce additional screen display to enable the additional configuration service to the selection that links 474-480.

Referring now to Fig. 5,, will describe transaction phrase token and handle routine 500.In frame 502, the transaction token processing components 116 that transaction phrase token is handled service 112 obtains transaction request from the recipient 102D (Fig. 2 A-2E) that comprises at least one transaction phrase token.As mentioned above, can adopt multiple mode to obtain transaction phrase token.In one embodiment, sender 102A can submit its transaction phrase token to by the website, so that the trading account that debit is associated with transaction phrase token.Fig. 6 A shows by the block diagram of being convenient to submit to transaction phrase token with the screen display that computing equipment was produced 600 of finishing purchase-transaction.As shown in Figure 6A, screen display 600 can be corresponding to typical electronic commercial affairs webpage, comprise at sign project of buying 602 and various 604 of being associated, as at the seller of project, the price that is associated with the purchase of project, cargo transport information, technical specification etc. with transaction.In addition, screen display 600 comprises and is used for the part 606 submitted to as the transaction phrase token of method of payment by input domain for example 608.

In another embodiment, the sender can submit transaction phrase token to so that the trading account that credit is associated with this transaction phrase token.Fig. 6 B shows by being convenient to send the block diagram of (for example, by announcing) transaction phrase token with the screen display that computing equipment was produced 650 of finishing transaction.Shown in Fig. 6 B, screen display 600 can be corresponding to exemplary web page, and the content 652 that this exemplary web page comprises on the software application browser being presented is as transaction phrase token holder's information Recognition aspect.In addition, screen display 650 comprises the part 654 that is used to announce transaction phrase token.In this schematic example, transaction phrase token can be corresponding to charity organization, and in this charity organization, the trading account that is associated with this transaction phrase token can be configured to only accept credit and can not be by debit.

Turn back to Fig. 5, in judgement frame 504, transaction token processing components 116 determines whether to exist any automatic processing rule that is associated with the transaction phrase token that is proposed then.If exist, then in frame 506, transaction phrase token is handled service 112 and is accepted or the refusal transaction based on this automatic processing rule, and termination routine 500.As previously mentioned, this automatic processing rule can corresponding to based on the aspect (as the seller, item/service and/or dealing money) of transaction to the automatic refusal or the acceptance of proposed transaction.Can also be to the other or alternative processing rule of transaction phrase token utilization.In an illustrative examples, can comprise the processing of automatic acceptance: indicated as transaction, carry out fund and shift between two trading accounts.In addition, the processing to automatic acceptance comprises: send the control of notification/instruction with the consistent element of the agreement between the transfer transactions each side (as cash, service, goods, value etc.).Processing to automatic acceptance can also comprise: upgrade the information about sender and recipient, this information indication Successful Transaction and/or any additional information that is provided by the either party.In another embodiment, the processing to automatic refusal can comprise: the additional configuration information that sends notification/instruction, renewal transaction phrase token holder's profile and/or collection transaction phrase token.In addition, the processing to refusal can comprise: upgrade the information about sender and recipient, unsuccessful transaction of this information indication and/or any additional information that is provided by the either party.In another embodiment, automatic processing rule can also comprise the processing to recipient and/or sender's reputation score.This reputation score can be corresponding to the summation of value, and wherein each previous transaction is accepted and refuse to be associated with a value.For example, if reputation score corresponding at the transaction of approved on the occasion of, and recipient's reputation score (for example, corresponding to previous transactions history record) is lower than threshold value, then can refuse this transaction automatically.

If do not have automatic processing rule in judgement in the frame 506, then then in frame 508, transaction token processing components 116 sends to sender 102A and accepts request.As mentioned above, exist transaction phrase token to handle service 112 in order to request is sent to sender's number of mechanisms.In judgement frame 510, test to determine whether the transaction that is provided is accepted by the transaction phrase token holder.In an illustrative examples, transaction token processing components 116 determines whether to receive the acknowledge communication that indication is accepted from the transaction phrase token holder.In addition, transaction token processing components 116 can be incorporated time component into, if so that do not receive acknowledge communication from the transaction phrase token holder, and then approval or refusal transaction automatically.If in frame 512, the sender has accepted transaction, then transaction token processing components 116 is handled this transaction acceptance.In an illustrative examples, can comprise the processing of accepting: the item as transaction is indicated, carries out transfer of funds between two trading accounts.In addition, can comprise the processing of accepting: send the control of notification/instruction with the consistent element of the agreement between the transfer transactions each side.

As mentioned above, transaction token processing components 116 can send notice, renewal transaction phrase token holder's profile and/or the collection additional configuration information about transaction phrase token.In addition, can comprise: upgrade information, this information indication Successful Transaction and/or any additional information that provides by the either party about sender and recipient to the processing of accepting.For example, each transaction phrase token holder can be associated with the previous acceptance/rejection number purpose reputation score of indication.

Alternatively, if in frame 514, the sender has refused transaction, and then transaction token processing components 116 can be handled this transaction refusal.As mentioned above, transaction token processing components 116 can send the additional configuration information of notice, renewal transaction phrase token holder's profile and/or collection transaction phrase token.In addition, the processing to refusal can comprise: upgrade the information about sender and recipient, unsuccessful transaction of this information indication and/or any additional information that is provided by the either party.In addition, at unbiased refusal, transaction token processing components 116 can initiate/feedback being convenient to add.In frame 516, termination routine 500.

As mentioned above, in another illustrative examples, when the transaction phrase token holder is sender 102A, can point out this transaction phrase token holder to accept proposed transaction.In addition, transaction phrase token holder can handle service 112 to transaction phrase token feedback is provided, with further configuration of transaction phrase tokens.In one aspect, as mentioned above, when accepting transaction, transaction phrase token holder can submit the additional configuration information of its transaction phrase token to.Fig. 7 A show according to aspects of the present invention, by the block diagram of being convenient to accept corresponding to the screen display that computing equipment produced 700 of transaction phrase token holder and transaction and additional configuration transaction phrase token.Shown in Fig. 7 A, screen display 700 comprises the content (picture 702 of project as discussed) of the transaction that identification is asked and about the additional information 704 of proposed transaction (as the seller's sign (for example, the recipient who is claimed), dealing money etc.).In addition, screen display 700 comprises: optional set of controls 706 is used for ratifying or refuse transaction according to the information that is provided.In alternative, screen display 700 can also comprise: additional controls is used to ask additional information and/or provides and the relevant feedback of acceptance/refusal of concluding the business.

Continuation is referring to Fig. 7 A, and screen display 700 comprises: set of controls is used for providing additional configuration information to transaction token processing components 116.Shown in Fig. 7 A, screen display 700 comprises: control 708 is used for the All Activity of approval from particular vendors (as the recipient); Control 710 is used to ratify the All Activity at this project; And/or control 712, be used to ratify All Activity at this value.In an illustrative examples, as the value threshold value control 714,716 and 718 shown in, screen display 700 can also comprise: additional controls, be used to specify configuration information more specifically or alternative scope or threshold value.In addition, screen display 700 can comprise that additional embedding link 720 is with the account accounting information of request with other phrase tokens.For example, transaction phrase token holder can wish the approval transaction, and files a request to another transaction phrase token at the part purchasing price simultaneously.

On the other hand, as mentioned above, when sending proposed transaction, can point out the transaction phrase token holder to refuse proposed transaction.In addition, transaction phrase token holder can provide feedback to transaction token processing components 116, with based on the further configuration of transaction phrase tokens of the transaction phrase token of being refused.Fig. 7 B shows by the block diagram of being convenient to refuse corresponding to the screen display that computing equipment produced 750 of the transaction phrase token of transaction phrase token holder's transaction and additional configuration.Shown in Fig. 7 B, with Fig. 7 category-A seemingly, screen display 750 comprises the content (picture 752 of project as discussed) of the transaction that identification is asked and about the additional information 754 of proposed transaction (as the seller's sign (for example, the recipient who is claimed), dealing money etc.).In addition, screen display 750 comprises: optional set of controls 756 is used for ratifying or refuse transaction according to the information that is provided.In this illustrative examples, transaction phrase token holder has selected the refusal transaction.Correspondingly, as mentioned above by control 758, can point out the transaction phrase token holder to select is that band prejudice ground is refused transaction or feedback/correction possibility ground refusal transaction is arranged.

Continuation is referring to Fig. 7 B, and screen display 750 comprises: set of controls is used for providing additional configuration information to transaction token processing components 116.Screen display 750 comprises: control 760 is used for the All Activity of refusal from particular vendors (as the recipient); Control 762 is used to refuse the All Activity at this project; And/or control 764, be used to refuse All Activity at this value.With Fig. 7 category-A seemingly, screen display 750 can comprise: additional controls is used to specify scope, threshold value of configuration information etc., for example Zhi threshold value 766,768,770 and 772.Various equivalent modifications will be recognized, other or alternative configuration information can be provided as a part of feeding back.In addition, the transaction phrase token holder can be redirected in more detailed transaction phrase token configuration interface, for example interface shown in Fig. 4 B.

Though illustrate and described schematic embodiment, it will be appreciated that and under the prerequisite that does not deviate from the spirit and scope of the present invention, to make various changes.

Claims

1. system of being convenient to conclude the business comprises:

Transaction phrase token comprises the character group that is associated with trading account; And

Transaction phrase token is handled service, be used to handle request at finishing transaction request, wherein, described request comprises the expression of transaction phrase token, and, based on the configuration by the transaction phrase token of transaction phrase token holder appointment, transaction phrase token is handled the described transaction request of service processing.

2. system according to claim 1, wherein, transaction phrase token holder controls trading account.

3. system according to claim 1, wherein, described transaction comprises: the control of the consistent element of will reaching an agreement on is transferred to described transaction phrase token holder from a side who is different from the transaction phrase token holder.

4. system according to claim 3, wherein, transaction phrase token is handled service and is convenient to the control of the consistent element of agreement is transferred to described transaction phrase token holder from sellers.

5. system according to claim 1, wherein, transaction phrase token is handled service by the requests transaction phrase tokens holder request of handling of ratifying to conclude the business.

6. system according to claim 5, wherein, based on the reception of the corresponding transaction phrase token holder of described at least one transaction phrase token to approval, transaction phrase token is handled service can also configuration of transaction phrase tokens.

7. system according to claim 6, wherein, described approval indication transaction phrase token is handled service and is accepted automatically to have and subsequent transaction at the request of the finishing transaction seller that be associated, that discerned.

8. system according to claim 6, wherein, the automatic acceptance of described approval indication transaction phrase token processing service has the subsequent transaction with the project that is associated at the request of finishing transaction.

9. system according to claim 6, wherein, described approval indication transaction phrase token handle service accept automatically to have be associated at the request of finishing transaction, define or the subsequent transaction of specified value.

10. system according to claim 5, wherein, based on the reception of the corresponding transaction phrase token holder of described at least one transaction phrase token to refusal, transaction phrase token is handled also configuration of transaction phrase tokens of service.

11. system according to claim 10, wherein, described refusal indication transaction phrase token handle service automatically refusal have and subsequent transaction at the request of the finishing transaction seller that be associated, that discerned.

12. system according to claim 10, wherein, the automatic refusal of described refusal indication transaction phrase token processing service has the subsequent transaction with the project that is associated at the request of finishing transaction.

13. system according to claim 10, wherein, described refusal indication transaction phrase token handle service automatically refusal have be associated at the request of finishing transaction, define or the subsequent transaction of specified value.

14. system according to claim 1 wherein, handles transaction automatically by the configuration according to transaction phrase token, transaction phrase token is handled the service processing transaction request.

15. system according to claim 1, wherein, described character group is corresponding to the group with one or more alpha-numeric characters.

16. system according to claim 1, wherein, for the transaction phrase token holder, described character group has Secondary Meaning on the whole.

17. system according to claim 16 also comprises:

The token issuer assembly is used for to transaction phrase token holder dispensing transaction phrase tokens.

18. system according to claim 17, wherein, receive at the request of finishing transaction request from a side who is different from the transaction phrase token holder, and, when successfully having handled described transaction request, transaction phrase token is handled service and is convenient to regulate the trading account that is associated with transaction phrase token.

19. system according to claim 18 wherein, regulates trading account and comprises: the debit transaction account.

20. system according to claim 18 wherein, regulates trading account and comprises: the credit transaction account.

21. system according to claim 16, wherein, Secondary Meaning is corresponding to the Secondary Meaning that is associated with the audible indications of described character group.

22. system according to claim 16, wherein, Secondary Meaning is corresponding to the Secondary Meaning that is associated with the announcement of described character group.

23. system according to claim 1, wherein, in the middle of a class transaction phrase token, transaction phrase token is clear and definite.

24. system according to claim 1, wherein, described character group is made up of the character group that the transaction phrase token holder who is associated with transaction phrase token assignment request selects on the whole.

25. system according to claim 1, wherein, transaction phrase token is handled service can also distribute new transaction phrase token, and, each new transaction phrase token is corresponding to the character group that is associated with trading account, wherein, described character group is made up of the character group that the transaction phrase token holder who is associated with transaction phrase token assignment request selects on the whole.

26. system according to claim 25, wherein, transaction phrase token is handled service and is also produced user interface, is used to obtain target transaction phrase token and determines whether described target transaction phrase token is clear and definite.

27. system according to claim 26, wherein, transaction phrase token service is also come at least one available transaction phrase token of suggestion by user interface.

28. system according to claim 27, wherein, each transaction phrase token of advising is corresponding to the recommendation based on transaction phrase token holder profile.

29. system according to claim 28, wherein, described recommendation is based on the character group that is associated with data corresponding to transaction phrase token holder profile.

30. system according to claim 29, wherein, described recommendation is based on the search to available transaction phrase tokens group.

31. system according to claim 26, wherein, the transaction phrase token treatment system also is provided for the market of the control of transfer transactions phrase tokens.

32. system according to claim 26, wherein, the transaction phrase token treatment system also is provided for interface that metadata is associated with transaction phrase token.

33. system according to claim 1, wherein, described transaction phrase token is corresponding to the trading account that before is associated with another transaction phrase token.

34. system according to claim 1, wherein the configuration of transaction phrase token comprises: at least one in the qualification level of acceptable dealing money, the acceptable seller, acceptable transmit leg, transaction, expiration day, the consistent element of acceptable agreement, unacceptable dealing money, the unacceptable seller, the consistent element of unacceptable agreement and the desired reputation score.

35. system according to claim 34, wherein, the configuration of transaction phrase token comprises the threshold level of configuration information.

36. be convenient to handle transaction method, comprise for one kind:

Acquisition is at the request of finishing the transaction between two sides, wherein, transmit leg is associated with at least one transaction phrase token, wherein, described transaction phrase token is corresponding to character group, and transmit leg only sends to the recipient with transaction phrase token, the trading account that is associated with described transaction phrase token with debit; And

Handle at the request of finishing transaction based on the configuration of described at least one transaction phrase token.

37. method according to claim 36 wherein, is handled at the request of finishing transaction based on the configuration of described at least one transaction phrase token and to be comprised: finish transaction when receiving the refusal of transmit leg.

38. method according to claim 36 wherein, is handled at the request of finishing transaction based on the configuration of described at least one transaction phrase token and to be comprised: finish transaction when the approval that receives transmit leg.

39. method according to claim 36 wherein, is handled at the request of finishing transaction based on the configuration of described at least one transaction phrase token and to be comprised: comes automatic processes said request based on the reputation score that is associated with the recipient of transaction phrase token.

40. according to the described method of claim 39, wherein, reputation score is based on the result of the one group of previous transaction that relates to the recipient.

41. method according to claim 36 wherein, is handled at the request of finishing transaction based on the configuration of described at least one transaction phrase token and to be comprised: the credit of enabling the trading account that is associated with transaction phrase token.

42. method according to claim 36 wherein, is handled at the request of finishing transaction based on the configuration of described at least one transaction phrase token and to be comprised: the debit of enabling the trading account that is associated with transaction phrase token.

43. method according to claim 36, wherein, for the transaction phrase token holder, described character group has Secondary Meaning on the whole.

44. method according to claim 36, wherein, in the middle of a class transaction phrase token, transaction phrase token is clear and definite.

45. method according to claim 36, wherein, described character group is made up of the character group that the transaction phrase token holder who is associated with transaction phrase token assignment request selects on the whole.

46. a method of being convenient to the option dealing phrase tokens comprises:

Obtain to select with the user of the corresponding whole character group of target transaction phrase token, wherein, described whole character group will be used to regulate trading account;

Determine whether target transaction phrase token is clear and definite for set of transaction phrase tokens; And

Whether clear and definite the indication for set of transaction phrase tokens of described transaction phrase token be provided on user interface.

47., obtain to select to comprise: be used to obtain interface with the corresponding user's input of target transaction phrase token with the user of the corresponding whole character group of target transaction phrase token according to the described method of claim 46.

48. according to the described method of claim 46, wherein, on user interface, provide described transaction phrase token for whether clear and definite indication comprises for the set of transaction phrase tokens: if described transaction phrase token is clear and definite for set of transaction phrase tokens, then with the first colour planning target transaction phrase token.

49. according to the described method of claim 48, wherein, on user interface, provide described transaction phrase token for whether clear and definite indication comprises for the set of transaction phrase tokens: if described transaction phrase token is indefinite for set of transaction phrase tokens, then with the second colour planning target transaction phrase token.

50. according to the described method of claim 46, wherein, providing described transaction phrase token for whether clear and definite indication comprises for the set of transaction phrase tokens on the user interface: the described transaction phrase token of indication is provided on described interface, and whether clear and definite vision is indicated for set of transaction phrase tokens.

51., also comprise: the target transaction phrase token group that recommendation is provided on user interface according to the described method of claim 46.

52. according to the described method of claim 51, wherein, the target transaction phrase token group of recommendation is corresponding to the aspect of the one or more projects that are associated with the individual.

53. according to the described method of claim 52, wherein, impossible phrase on that the set of transaction phrase tokens of recommendation is associated corresponding to the aspect with the one or more projects that are associated with the individual, the statistics.

54. according to the described method of claim 52, wherein, the target transaction phrase token group of recommendation is based on the search to the available targets set of transaction phrase tokens.

55. according to the described method of claim 52, wherein, the available targets set of transaction phrase tokens is corresponding to the suitably tabulation in title and place.

56. according to the described method of claim 46, wherein, described character group is corresponding to the alpha-numeric characters group.

57. according to the described method of claim 46, wherein, for the transaction phrase token holder, described character group has Secondary Meaning on the whole.

58., also comprise: produce the configuration set of controls, so that the configuration information of selected transaction phrase token to be set, and obtain the selection of at least one configuration control according to the described method of claim 46.

59. according to the described method of claim 58, wherein, the configuration set of controls comprises: one or more aspects of the transaction that report is associated with transaction phrase token.

60. according to the described method of claim 58, wherein, the configuration set of controls comprises: specify the entity that is authorized to utilize transaction phrase token.

61. according to the described method of claim 58, wherein, the configuration set of controls comprises: the expiration day of given transaction phrase tokens.

62. according to the described method of claim 58, wherein, the configuration set of controls comprises: the control of enabling of choosing transaction phrase token.

63. be convenient to handle transaction method, comprise for one kind:

Obtain transaction request from transmit leg, wherein, transaction request comprises the expression of transaction phrase token, wherein, described transaction phrase token is associated with trading account, and described transaction phrase token is made up of the character group that the transaction phrase token holder who is associated with transaction phrase token assignment request selects on the whole; And

Based on the configuration of described at least one transaction phrase token, will send to token at the request of finishing transaction and handle service.

64., also comprise: before request being sent to token processing service, handle transaction request from transmit leg according to the described method of claim 63.

65. according to the described method of claim 64, wherein, the transaction request of handling from transmit leg comprises: obtain additional information from transmit leg.

66. according to the described method of claim 65, wherein, additional information is corresponding in personal identification number, password and other security information at least one.

67. according to the described method of claim 65, wherein, additional information is corresponding to the additional financial account information that is associated with transmit leg.

68. according to the described method of claim 64, wherein, the transaction request of handling from transmit leg comprises: determine whether the transaction phrase token that is provided by transmit leg is similar with other transaction phrase token, and the affirmation that obtains transaction phrase token from transmit leg.

69. according to the described method of claim 63, wherein, for the transaction phrase token holder, described character group has Secondary Meaning on the whole.

70. according to the described method of claim 63, wherein, in the middle of a class transaction phrase token, transaction phrase token is clear and definite.

71., also comprise: the notice that obtains to handle the service processing request by token according to the described method of claim 63.

72. a computer program is used for carrying out according to each described method of claim 36 to 71.