CN102687165A - 用于处理支付交易收据的系统和方法 - Google Patents

用于处理支付交易收据的系统和方法 Download PDF

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CN102687165A
CN102687165A CN2010800595939A CN201080059593A CN102687165A CN 102687165 A CN102687165 A CN 102687165A CN 2010800595939 A CN2010800595939 A CN 2010800595939A CN 201080059593 A CN201080059593 A CN 201080059593A CN 102687165 A CN102687165 A CN 102687165A
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S·辛格
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

本发明的实施例涉及用于处理支付交易收据的系统和方法。当接收到用于消费者的交易的授权请求消息时，确定与所述消费者的便携式消费者设备相关联的账户是否被登记在电子收据程序中。如果所述账户被登记，则向所述消费者发送所述交易的电子收据。

Description

用于处理支付交易收据的系统和方法
相关申请的交叉引用
本申请是2009年12月28日提交的美国临时申请No.61/290,391的非临时申请且要求其优先权，其全部内容通过引用通用地结合于此。
背景技术
销售点交易处的交易收据生成的传统过程涉及生成纸质交易收据（例如，收款单（charge-slip））并由消费者和商家双方均保留该纸质交易收据的副本。这种现有的基于纸张的交易收据的过程具有许多与其相关联的问题。这些问题包括纸质交易收据的生成及其由消费者和商家的安全保存，这是主要的操作上的麻烦。此外，纸质交易收据的生成和安全保存涉及纸张、墨盒和其它消耗品的大规模库存管理，这有成本和操作上的开销。另外，纸质交易收据涉及商家收单方（acquirer）处的复杂的后台（back-office）设定，以用于争议情况下的交易收据的检索和处理，这也有成本和操作上的开销。纸质交易收据的问题还在于由纸质交易收据上的内容的擦除带来的频繁的争议的出现。这些问题为现有交易过程增加了相当程度的低效。而且，新支付产品和形式因子的出现保证了对适合于整体消费者体验的管理交易收据的新方式的需要。
本发明各实施例单独地或共同地解决这些问题及其它问题。
发明内容
本发明的实施例涉及用于处理支付交易收据的系统和方法。
本发明的一个实施例涉及向消费者发送电子收据的方法。该方法包括接收与交易相关联的授权请求消息，该授权请求消息包括与该消费者的便携式消费者设备相关联的交易信息。与支付处理网络相关联的服务器计算机确定与该便携式消费者设备相关联的账户是否被登记在电子收据程序中。如果该账户被登记在该电子收据程序中则向该消费者发送电子收据。该电子收据具有与该交易相关联的金融数据。
本发明的另一个实施例涉及服务器计算机。该服务器计算机包括具有与消费者的便携式消费者设备的账户相关联的登记信息的登记模块。该登记信息指示在电子收据程序中的登记。该服务器计算机还包括用于接收与该便携式消费者设备的交易相关联的授权请求消息的支付处理模块。该授权请求消息包括与该便携式消费者设备相关联的交易信息。该服务器计算机还包括用于如果该登记信息指示该账户被登记在该电子收据程序中则向该消费者发送电子收据的移动网关模块。该电子收据具有与该交易相关联的金融数据。
本发明的又一个实施例涉及用于接收电子收据的方法。该方法包括向与支付处理网络相关联的服务器计算机发送与交易相关联的授权请求消息。该授权请求消息包括与消费者的便携式消费者设备相关联的交易信息。如果与该便携式消费者设备相关联的账户被登记在电子收据程序中则该消费者随后接收具有与该交易相关联的金融数据的电子收据。该服务器计算机确定该账户是否被登记在该电子收据程序中。
本发明的这些和其它实施例将在下文中更详细地描述。
附图说明
图1示出用于向消费者生成纸质收据的系统。
图2(a)和图2(b)示出各种便携式消费者设备。
图3示出样本收据。
图4是生成与消费者的交易相关联的纸质收据的方法的流程图。
图5(a)和5(b)示出用于向消费者生成电子收据的各种系统。
图6示出用于向消费者生成电子收据的示例性支付处理网络。
图7是生成与消费者的交易相关联的电子收据的方法的流程图。
图8示出电子收据程序中用于指示登记（enrollment）的示例性格式。
图9示出示例性计算机装置的框图。
具体实施方式
本发明的各实施例涉及用数字/电子交易收据或等同的记录来取代交易收据（例如收款单）生成的传统过程，所述数字/电子交易收据或等同的记录更易于安全保存并且节省该过程中的总成本，诸如处理和操纵成本。交易收据生成和存储过程的数字化解决了与传统过程相关联的许多问题，因为收据会以电子形式存在并且可通过各种电子媒体来被存储和发送。这一过程不仅解决了上面描述的问题，而且带来了对现有模型的对环境友好的替代。而且，通过提供收据，可在交易发生之后很短时间内向消费者通知该交易。这允许消费者在交易潜在为欺诈性的情况下或在交易细节不准确的情况下（例如，收据上的价格没有反映原本打算支付的价格）采取立即行动。
电子收据的这些实施例是有利的还是由于个人标识号（PIN）和基于电磁脆弱性（EMV）的芯片的交易的部署的增加，这缓解了对交易收据上的消费者的签名的需要。
交易收据作为交易证明（proof of transaction）而通用于商家和自助服务终端（例如，ATM）。交易收据包含交易的记录以及包括卡号、金额、日期、商家细节等信息。在许多情况下，商家还提供具有类似细节的单独的收据以及商品的额外的撕页（breakup）。大多数交易需要打印多个副本以在商家、消费者和收单方银行处安全保存。这主要是基于旧式压印的卡交易的遗产。
现有纸质交易收据系统存在许多问题。交易收据的生成以及消费者和商家对交易收据的安全保存是主要的操作上的麻烦。需要纸张、墨盒等的大规模库存管理和提供设定来从商家处的卡终端生成交易收据。在商家/银行处需要复杂的后台设定以在争议的情况下检索和处理交易收据。由于不良的打印质量和打印的擦除，冲突频繁出现，而不良的打印质量和打印的擦除是终端中使用的小型打印机的固有缺陷。而且，现有纸张系统是对环境不友好的。
本发明的实施例实质上用更高效的电子过程来取代基于纸张的信用卡交易收据过程。这是通过如下步骤实现的：将交易收据转换成电子格式以易于存储和访问，使生成收据的任务从商家处的访问设备（即，销售点终端）移开，将唯一信息（unique information）从信用卡收据移动到交易中使用的其它补充文件，以及向消费者提供通过多种渠道访问收据的选项。通过这些实施例，需要来自商家端的很少的改变，甚至不需要改变。
基于各种环境因素，本发明的实施例可采用各种表现。以下描述这些的示例。
图1示出用于生成纸质交易收据的现有系统和过程。图1的系统包括便携式消费者设备102、访问设备104、收单方108、支付处理网络110、发行方112和收据120。图1还示出了这些元素之间的交互。
在典型的支付交易中，消费者可以使用便携式消费者设备在商家处购买商品或服务。消费者可以是能够购买商品或服务的个人或诸如公司之类的组织。此外，消费者可操作客户端计算机来与商家交易。客户计算机可以是台式计算机、膝上型计算机、无线电话、个人数字助理（PDA）等等。客户端计算机可使用包括基于视窗TM(WindowsTM)的操作系统的任何合适的操作系统。客户端计算机可被用来与商家交互（例如，经由商家访问设备104或经由商家网站）。
当消费者在位于商家处的访问设备104处使用便携式消费者设备102时，支付交易被发起。收单方108（其为与商家相关联的金融机构）可从商家处的访问设备104接收交易信息。收单方108将交易信息转发到支付处理网络110，然后支付处理网络110将交易信息转发到发行方112以批准该交易。发行方112是与便携式消费者设备102相关联的金融机构。交易的批准（或拒绝）被最终发送回访问设备104以完成该交易。
便携式消费者设备102是可以是任何适当形式的支付设备。例如，便携式消费者设备102可以是手持式且是小型的，使得可将它装入消费者的钱包和/或口袋（例如，袖珍型的）。便携式消费者设备102还可以是智能卡、普通信用卡或借记卡（具有磁条而没有微处理器）、钥匙链设备（如可从Exxon-Mobil公司买到的SpeedpassTM）等。便携式消费者设备的其它示例包括蜂窝电话、个人数字助理（PDA）、寻呼机、支付卡、安全卡、赊购卡(access card)、智能介质、应答器等。便携式消费者设备还可以是借记设备（例如，借记卡）、信贷设备（例如，信用卡）、或储值设备（例如，储值卡）。便携式消费者设备102还可以是虚拟账户的形式。
图2(a)示出移动电话形式的便携式消费者设备102’的示例。计算机可读介质206可以是存储数据的存储器且可以是任何合适的形式，包括磁条、存储器芯片、唯一得出密钥、加密算法等。计算机可读介质206还优选地存储诸如财务信息、交通信息（例如，如在地铁或火车通行证中）、出入信息（例如，如在出入证章中）等信息。财务信息可包括诸如银行账户信息、银行标识号（BIN）、信用卡或借记卡号信息、账户余额信息、有效期、诸如姓名、生日等消费者信息等信息。这些信息中的任何信息都可由便携式消费者设备102来发送。
存储器中的信息还可以是传统上与信用卡相关联的数据磁道的形式。这些磁道包括磁道1和磁道2。磁道1（“国际航空运输协会（International Air TransportAssociation）”）存储比磁道2更多的信息，并包含持卡人的姓名以及账号和其它自由选择的数据。该磁道有时由航空公司在用信用卡来担保预订时使用。磁道2（“美国银行业协会（American Banking Association）”）是当前最常用的。这是由ATM和信用卡检查器来读取的磁道。ABA（美国银行业协会）设计了该磁道的规范并且世界上所有银行都必须遵守该规范。该磁道包含持卡人的账户、加密的PIN以及其它自由选择的数据。
非接触式元件24能够使用通常根据标准化协议或数据传输机制（例如，ISO14443/近场通信（“NFC”））的NFC能力（或近场通信介质）来传输和接收数据。近场通信能力是近程通信能力，如RFID、BluetoothTM（蓝牙TM）、红外、或可被用来在便携式消费者设备102’和询问设备之间交换数据的其它数据传输能力。因此，便携式消费者设备102’能够经由蜂窝网络和近场通信能力两者来传递和传输数据和/或控制指令。
便携式消费者设备102’还可以包括用于处理便携式消费者设备102’的功能的处理器208（例如，微处理器）和允许消费者查看电话号码和其它信息和消息的显示器210。便携式消费者设备102’还可以包括允许消费者向该设备输入信息的输入元件212、允许消费者听到语音通信、音乐等的扬声器216、以及允许消费者通过便携式消费者设备102’发送其语音的话筒204。便携式消费者设备102’还可以包括用于无线数据传输（例如，数据发送）的天线202。
如果便携消费者设备102是借记卡、信用卡、或智能卡的形式，则便携消费者设备102还可以任选地具有诸如磁条等特征。这些设备能够以接触式或非接触式模式来操作。
图2(b)示出塑料衬底内的支付卡的形式的便携式消费者设备102”的示例。用于与访问设备104进行接口的非接触式元件224可存在于塑料衬底102”上或嵌入于其中。诸如账号、有效期、以及消费者名字等消费者信息220可被打印或压印在卡片上。而且，磁条222也可在支付卡102”的塑料衬底上。
如图2(b)所示，便携式消费者设备102"可以包括磁条222和非接触式元件224两者。在其它实施例中，磁条222和非接触式元件224两者都可以在便携式消费者设备102"中。在其它实施例中，要么磁条222要么非接触式元件224可以存在于便携式消费者设备102"中。
访问设备104是用于将交易信息从商家传送到收单方108的设备。商家可以是能够提供商品和服务的个人或诸如公司之类的组织。商家的访问设备108可以是具有接口的任何适当的访问设备，包括销售点（POS）设备、蜂窝电话、PDA、个人计算机（PC）、平板PC、手持式专用读取器、机顶盒、电子收款机（ECR）、自动柜员机（ATM）、虚拟收款机（VCR）、自助服务终端、安全系统、访问系统等。访问设备104可与便携式消费者设备102交互。例如，使用信用卡来购买商品或服务的消费者可通过访问设备104中的适当槽刷卡。另选地，访问设备104可以是非接触式阅读器，且便携式消费者设备102可以是诸如非接触式卡片等非接触式设备。作为另一替代，消费者可通过商家的网站购买商品或服务，其中消费者向客户端计算机输入信用卡信息并点击按钮来完成购买。此外，客户端计算机可被认为是访问设备104。
收单方108可以经由支付处理网络110与便携式消费者设备102的发行方112操作地通信。收单方108通常是具有商家账户的银行。发行方112也可以是银行，但也可以是诸如零售商店或移动电话或电信公司之类的商业实体。发行方112是向消费者发行便携式消费者设备102的实体。某些实体既是收单方又是发行方，并且本发明的各个实施例包括这些实体。收单方108和发行方112可各具有服务器计算机以及与服务器计算机相关联的数据库。
支付处理网络110位于收单方108与发行方112之间（在操作的意义上）。支付处理网络可包括用来支持和传递授权服务、异常文件服务、以及结算和清算服务的数据处理子系统、网络、和操作。例如，支付处理网络110可包括VisaNetTM。诸如VisaNetTM等支付处理网络能够处理信用卡交易、借记卡交易、以及其它类型的商业交易。具体而言，VisaNetTM包括处理授权请求的VIP系统（Visa集成支付系统）、以及执行清算和结算服务的Base II系统。
支付处理网络110可使用任何合适的有线或无线网络，包括因特网。支付处理网络110可具有服务器计算机和与该服务器计算机相关联的数据库。服务器计算机可包括处理器和计算机可读介质。计算机可读介质可包括用于执行根据本发明的各实施例的方法的代码或指令。
如图1所示的执行交易并为消费者生成纸质交易收据120的过程如下：
步骤1：消费者在商家处向交易的清算款项（settling dues）提供便携式消费者设备102。
步骤2：商家使用访问设备104处理用便携式消费者设备102的交易并通过向收单方108发送授权请求消息来将该交易提交给收单方108。
步骤3：收单方108将该授权请求消息转发到支付处理网络110。
步骤4：支付处理网络110处理该授权请求消息并将其发送到发行方112。
步骤5：发行方112接收该授权请求消息并通过向支付处理网络110发送授权响应消息来适当地批准该交易。
步骤6：支付处理网络110接收该授权响应消息并将其转发到收单方108。
步骤7：收单方108将该授权响应消息转发到商家处的访问设备104。
步骤8：商家处的访问设备104接收指示批准访问设备104处的交易的该授权响应消息并生成交易收据120的多个副本。
基于交易环境，可要求消费者为交易收据120的商家副本签名。然而，在某些实施例中，对于PIN和某些EMV芯片交易来说，签名可以不是必需的。图3示出了交易收据120的示例。
图4示出了用于生成纸质交易收据的方法的流程图。当消费者为从商家购买商品或服务而发起支付交易时，交易信息将经由访问设备104由商家接收（步骤S402）。访问设备104生成包含交易细节（包括与便携式消费者设备102相关联的支付信息）的授权请求消息并将该授权请求消息发送到收单方108（步骤S404）。该授权请求消息随后被从收单方108发送到支付处理网络110，该消息在支付处理网络110处被接收（S406）。支付处理网络110将该授权请求消息转发到发行方112。发行方112确定该交易是否应当被批准并将指示批准或拒绝的授权响应消息发送到支付处理网络110，该消息在支付处理网络110处被接收（S408）。支付处理网络110随后将授权响应消息经由收单方108发送到商家访问设备104（S410）。一旦在该商家处接收到该授权响应消息，则访问设备104打印交易收据以供消费者签名（S412）。访问设备104还打印交易收据以供消费者为了该消费者的个人记录而保留（S414）。
图5(a)和5(b)示出用于生成电子收据的系统。在本发明的一个实施例中，支付处理网络110（或其它适当实体，诸如收单方112）创建移动网关以生成电子交易收据并将其作为消息发送给注册的或登记的消费者。消费者可登记以接收电子形式的交易收据。所述登记可由消费者以适当方式执行，诸如对登记中心的电话呼叫、通过便携式消费者设备102、通过电子邮件、通过网站来登记到电子收据程序中等。此外，消费者可指示该消费者是希望停止在交易后接收纸质交易收据还是该消费者希望接收纸质交易收据和电子交易收据两者。此外，消费者可指示该消费者希望如何接收电子收据（例如，通过电子邮件、文本消息等）。
图5示出根据本发明的实施例的系统。各组件（便携式消费者设备102、访问设备104、收单方108、支付处理网络110、发行方112）类似于图1中所示的那些。下面描述用于向用户设备114生成电子收据的过程。注意，用户设备114可以是消费者使用的、能够接收电子收据的任何设备，包括但不限于移动电话、PDA、传呼机、计算机等。
步骤11：消费者在商家处向交易的清算款项提供便携式消费者设备102。
步骤12：商家使用访问设备104处理用便携式消费者设备102的交易并通过向收单方108发送授权请求消息来将该交易提交给收单方108。
步骤13：收单方108将该授权请求消息转发到支付处理网络110。
步骤14：支付处理网络110处理该授权请求消息，包括确定与便携式消费者设备102相关联的账户是否被登记在电子收据程序中。支付处理网络110将该授权请求消息发送到发行方112。
步骤15：发行方112接收该授权请求消息并通过向支付处理网络110发送授权响应消息来适当地批准该交易。
步骤16：支付处理网络110接收该授权响应消息并将其转发到收单方108。
步骤17：收单方108将该授权响应消息转发到商家处的访问设备104。
步骤18：如果支付处理网络110确定与该消费者的便携式消费者设备102相关联的账户被登记在该电子收据程序中，则支付处理网络110向用户设备114发送电子收据。
允许支付处理网络110（或位于其中的服务器计算机）在从发行方112接收到该授权响应消息后向用户设备114发送电子收据有多个优点。支付处理网络110能够担当许多不同的发行方和收单方（未示出）之间的“交换机（switch）”。从而，图5中示出的对该支付系统的单个修改可在使用从许多不同发行方发行的许多不同的便携式消费者设备来进行交易时向与许多不同收单方相关联的许多不同商家提供交易收据。
在步骤18中，可按照适用于用户设备114的任何形式发送电子收据。例如，电子收据可以是短消息服务（SMS）消息、多媒体服务（MMS）消息（例如，收据的图像）、电子邮件等。重要的是，注意，电子收据的触发器可以是在线交易通过支付处理网络110的成功完成、发行方108作出的交易的成功完成的指示或交易期间任何其它适当的点。也很重要的是，注意，用户设备114也可与便携式消费者设备102是同一设备。
电子收据可包括纸质收据上的数据元素中的任何元素或全部元素。例如，电子收据可包括以下的一个或多个（例如，至少4、5、6个或更多的组合）：商家标识符、商店标识符、出纳员标识符、交易如期、该交易的小计、销售税金额、总金额、掩蔽或部分掩蔽的支付卡账户号、掩蔽的有效期、批准码、交易的日期、交易的时间、以及总支付金额。在某些情况下，交易收据还可具有来自支付处理器或发行方的数字签名以验证其真实性。即，电子收据可取代纸质收据（或附加于纸质收据）使用，以便实际的电子收据必须能够被验证为真实的。
交易收据还可以是能与交易警告相区分的。交易警告通常作为对纸质收据的补充来发送。而且，交易警告通常不包括与交易收据相同水平的细节，并且不被用作交易已发生的证明。而且，电子收据可被用作交易发生的证明，并且可被用于将商品退给商家或获得商家对商品或服务的退款。
图5(b)示出了用于生成电子收据的系统的另一实施例。在本实施例中，支付处理网络110（或在某些实施例中是发行方112）通过因特网门户向消费者提供对电子交易收据的访问。在其它实施例中，电子交易收据可作为电子邮件发送。通过例如维护用于访问与便携式消费者设备102相关联的消费者的在线账户的网站，支付处理网络110（或发行方112）通过在线门户向消费者提供对电子交易收据的访问。消费者可订阅该服务。本实施例中的用于生成和发送电子收据的过程如下：
步骤21：消费者在商家处向交易的清算款项提供便携式消费者设备102。
步骤22：商家使用访问设备104处理用便携式消费者设备102的交易并通过向收单方108发送授权请求消息来将该交易提交给收单方108。
步骤23：收单方108将该授权请求消息转发到支付处理网络110。
步骤24：支付处理网络110处理该授权请求消息，包括确定与便携式消费者设备102相关联的账户是否被登记在电子收据程序中。支付处理网络110将该授权请求消息发送到发行方112。
步骤25：发行方112接收该授权请求消息并通过向支付处理网络110发送授权响应消息来适当地批准该交易。
步骤26：支付处理网络110接收该授权响应消息并将其转发到收单方108。
步骤27：收单方108将该授权响应消息转发到商家处的访问设备104。
步骤28：如果支付处理网络110确定与该消费者的便携式消费者设备102相关联的账户被登记在该电子收据程序中，则支付处理网络110向用户账户150发送电子收据。
在步骤28中，电子收据通过因特网门户对消费者的在线用户账户150可用。如果电子收据程序是由发行方112提供的，则这可以是消费者的常规在线账户访问的一部分。替代地，可将其作为电子邮件发送到消费者。
在本发明的另一实施例中，交易收据的商家副本按纸质形式继续而消费者副本按电子形式被发送。法律原因可能使得商家有必要保留消费者交易收据的经签名的纸质副本。消费者可注册或登记以接收电子形式的交易收据。交易收据的商家副本继续被打印，然而消费者副本以电子形式被处理。
图6示出了根据本发明的实施例的支付处理网络110的示例。支付处理网络110包括能够访问数据库310的服务器计算机300。服务器计算机300还包括用于处理存储在计算机可读介质上的任何计算机可读指令的处理器。服务器计算机300包含登记模块302、移动网关模块304、以及支付处理模块306，其中每个均包含存储在计算机可读介质上的用于执行至少下面描述的功能的计算机可读指令。应当注意，在其它实施例中，登记模块302、移动网关模块304、以及支付处理模块306的功能可驻留在发行方112或任何其它适当实体处。
登记模块306可将消费者登记在电子收据程序中。如同上面描述的，登记可按任何适当方式出现，诸如通过电话呼叫、电子邮件、文本、在线登记等。即，消费者可通过任何适当的手段请求登记。一旦消费者使用登记模块306被登记，则登记信息可被发送并存储在数据库310中。登记信息可在消费者的交易期间随后从数据库310访问以确定消费者是否登记在电子收据程序中。登记模块306使用授权请求消息或授权响应消息来查找账户并确定该账户是否登记在电子收据程序中。
移动网关模块340可被用来向消费者提供电子收据，无论它是向消费者的用户设备114还是向在线用户账户150提供。移动网关模块304可以任何适当方式被用来通知消费者电子收据已准备好被访问。
支付处理模块306是执行典型支付交易过程的模块。此模块从收单方108接收授权请求消息，将该授权请求消息发送到发行方112以批准，从发行方112接收授权响应消息，并将授权响应消息发送到收单方108。
图7示出根据本发明的实施例的用于生成电子收据的方法的流程图。商家在商家的访问设备104处接收交易信息。如同上面详细讨论的，交易信息被从消费者的便携式消费者设备102接收并包括诸如消费者的账户信息和购买细节等信息（S502）。访问设备104用该交易信息生成授权请求消息并将该授权请求消息发送到收单方108（S504）。收单方随后向支付处理网络110发送该授权请求消息，该消息在支付处理网络处被接收（S506）。该授权请求消息随后被转发到发行方112，而发行方112生成指示该交易是否被授权（即，消费者的账户中是否有足够的资金）的授权响应消息。支付处理网络110从发行方112接收该授权响应消息，包括接收与便携式消费者设备102相关联的交易信息（S508）。支付处理网络110随后通过访问数据库310中所存储的的登记信息来确定（使用该授权请求消息或该授权响应消息）该消费者的账户是否被登记在电子收据程序中（S510）。如果消费者的账户未被登记在电子收据程序中，则正常的授权响应消息经由收单方108和访问设备104被发送到商家（S512）。纸质收据随后被访问设备104打印以供消费者签名（S514）。此外，纸质收据被打印以供消费者保留以用于消费者的个人记录（S516）。
如果消费者的账户被登记在电子收据程序中，则支付处理网络110将修改从发行方112接收的授权响应消息并将经修改的授权响应消息经由发行方108和访问设备104发送到商家（S518）。从发行方112接收的授权响应消息被修改以包括指示在电子收据程序中的登记的指示符。访问设备104可使用此指示符来确定不应当为消费者打印纸质收据。电子收据随后经由消费者的用户设备114或用户账户150被发送到消费者（S520）。
图8示出授权响应消息中的用于指示消费者在电子收据程序中的登记的格式的一个实施例。此数据可包括从发行方112授权响应消息，包括主账户号（PAN）、有效期、服务代码、PIN验证、CVV数据以及任何附加的任意数据，诸如该交易是否被授权。原始授权响应消息可被修改以包括或添加指示符，该指示符指示与便携式消费者设备102相关联的账户是否登记在电子收据程序中。此外，还可通过修改原始授权响应消息的附加的任意数据部分来修改该原始授权响应消息以包括或添加任何其它登记信息。例如，所述修改可指示消费者也想要商家处的打印的收据或者不应当给出打印的收据。
图1、2(a)、2(b)、5(a)、5(b)和6中的各参与方（例如，访问设备104、商家、收单方108、支付处理网络110、以及发行方112）和元素可操作一个或多个计算机装置来促进此处描述的功能。这些元素中的任一个可使用任何合适数目的子系统来促进此处描述的功能。这些子系统或组件的示例在图9中示出。图9所示的子系统经由系统总线775互连。示出了诸如打印机774、键盘778、固定盘779（或包括计算机可读介质的其它存储器）、耦合到显示适配器782的监视器776等附加子系统，其它未示出。耦合到I/O（输入/输出）控制器771的外围设备和I/O设备可通过本领域已知的任何数量的手段（诸如串行端口777）连接到计算机系统。例如，串行端口777或外部接口781可用于使计算机装置连接到诸如因特网之类的广域网、鼠标输入设备、或扫描仪。经由系统总线775的互连允许中央处理器773与每一子系统通信并控制来自系统存储器772或固定盘779的指令的执行以及各子系统之间的信息交换。系统存储器772和/或固定盘779可具体化计算机可读介质。
应当理解，如上所述的本发明可以模块化或集成方式使用计算机软件以控制逻辑的形式实现。基于本文中所提供的公开和教义，本领域普通技术人员将知道并理解使用硬件以及硬件和软件的组合来实现本发明的其它方式和/或方法。
本申请中所描述的任何软件组件或功能可被实现为由处理器使用例如常规或面向对象技术、使用例如Java、C++或Perl的任何合适的计算机语言来执行的软件代码。软件代码可作为一系列指令或命令被存储在诸如随机存取存储器（RAM）、只读存储器（ROM）、磁性介质（诸如硬驱动器或软盘）、或光学介质（诸如CD-ROM）之类的计算机可读介质上。任何这种计算机可读介质可驻留在单个计算装置之上或之内，并且可存在于系统或网络内的不同计算装置之上或之内。
以上描述是说明性而非限制性的。基于对本公开的查阅，本发明的许多变化对本领域技术人员将变得显而易见。因此，本发明的范围不应该参照以上描述来确定，相反应该参照所附权利要求及其全部范围或等效方案来确定。
来自任何实施例的一个或多个特征可与任何其它实施例的一个或多个特征结合而不背离本发明的范围。
对“一”、“一个”或“该”的引用旨在表示“一个或多个”，除非具体地指示了相反含义。

Claims (21)

1.一种向消费者发送电子收据的方法，包括：
接收与交易相关联的授权请求消息，所述授权请求消息包括与所述消费者的便携式消费者设备相关联的交易信息；
由与支付处理网络相关联的服务器计算机确定与所述便携式消费者设备相关联的账户是否被登记在电子收据程序中；以及
如果所述账户被登记在所述电子收据程序中，则向所述消费者发送电子收据，所述电子收据具有与所述交易相关联的金融数据。
2.如权利要求1所述的方法，其特征在于，还包括：
响应于所述授权请求消息而从发行方接收授权响应消息；以及
如果所述账户被登记在所述电子收据程序中则向所述授权响应消息添加指示符，其中所述指示符指示所述消费者被登记在所述电子收据程序中。
3.如权利要求2所述的方法，其特征在于，还包括：
向商家发送具有所述指示符的所述授权响应消息从而促进所述交易，其中所述指示符指示所述商家是否应当向所述消费者提供纸质收据。
4.如权利要求1所述的方法，其特征在于，所述电子收据被发送到所述便携式消费者设备。
5.如权利要求1所述的方法，其特征在于，所述便携式消费者设备是移动电话。
6.如权利要求5所述的方法，其特征在于，所述电子收据是被发送到所述移动电话的SMS消息。
7.如权利要求5所述的方法，其特征在于，所述电子收据是被发送到所述移动电话的图像。
8.如权利要求1所述的方法，其特征在于，所述电子收据经由电子邮件消息被发送到所述消费者。
9.如权利要求1所述的方法，其特征在于，还包括：
从所述消费者接收在所述电子收据程序中登记的请求；以及
将所述消费者登记在所述电子收据程序中。
10.如权利要求1所述的方法，其特征在于，还包括：
维护用于访问与所述便携式消费者设备相关联的在线账户的网站；以及
经由所述在线账户将所述电子收据发送到所述消费者。
11.如权利要求1所述的方法，其特征在于，所述便携式消费者设备是非接触式卡片。
12.如权利要求1所述的方法，其特征在于，所述便携式消费者设备是磁条卡片。
13.一种与支付处理网络相关联的服务器计算机，包括：
具有与消费者的便携式消费者设备的账户相关联的登记信息的登记模块，其中所述登记信息指示在电子收据程序中的登记；
用于接收与所述便携式消费者设备的交易相关联的授权请求消息的支付处理模块，所述授权请求消息包括与所述便携式消费者设备相关联的交易信息；以及
用于如果所述登记信息指示所述账户被登记在所述电子收据程序中则向所述消费者发送电子收据的移动网关模块，所述电子收据具有与所述交易相关联的金融数据。
14.如权利要求13所述的服务器计算机，其特征在于，所述服务器计算机响应于所述授权请求消息而从发行方接收授权响应消息，并且如果所述账户被登记在所述电子收据程序中则向所述授权响应消息添加指示符，所述指示符指示所述消费者被登记在所述电子收据程序中。
15.如权利要求14所述的服务器计算机，其特征在于，所述服务器计算机将具有所述指示符的所述授权响应消息发送到商家从而促进所述交易，所述指示符指示所述商家是否应当向所述消费者提供纸质收据。
16.如权利要求13所述的服务器计算机，其特征在于，所述便携式消费者设备是移动电话并且其中所述电子收据被发送到所述便携式消费者设备。
17.如权利要求13所述的服务器计算机，其中所述登记模块从所述消费者接收在所述电子收据程序中登记的请求。
18.如权利要求13所述的服务器计算机，其特征在于，所述便携式消费者设备是磁条卡片。
19.一种用于接收电子收据的方法，包括：
向与支付处理网络相关联的服务器计算机发送与交易相关联的授权请求消息，所述授权请求消息包括与消费者的便携式消费者设备相关联的交易信息；以及
如果与所述便携式消费者设备相关联的账户被登记在电子收据程序中则由所述消费者接收具有与所述交易相关联的金融数据的电子收据，其中所述服务器计算机确定所述账户是否被登记在所述电子收据程序中。
20.如权利要求19所述的方法，其特征在于，所述服务器计算机响应于所述授权请求消息而从发行方接收授权响应消息，并且如果所述账户被登记在所述电子收据程序中则向所述授权响应消息添加指示符，所述指示符指示在所述电子收据程序中的登记。
21.如权利要求20所述的方法，其特征在于，还包括：
接收具有所述指示符的所述授权响应消息，其中所述指示符指示是否应当向所述消费者提供纸质收据。
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US8650124B2 (en) 2014-02-11
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US8429048B2 (en) 2013-04-23
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