CN104603811B - 匹配用于代理卡交易的付款票据的退款 - Google Patents
匹配用于代理卡交易的付款票据的退款 Download PDFInfo
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Abstract
匹配在代理卡交易中使用的适当付款票据的退款包括:接收对商家与用户之间的交易的第一付款授权请求,所述付款授权请求包括所述用户的帐户的识别和所述交易的识别符,所述用户帐户具有与其相关的可用于进行付款交易的多个付款票据;确定使用其进行所述交易的特定付款票据;使所述交易识别符与在所述交易采用的所述特定付款票据相关;接收退还所述交易的付款金额的全部或一部分的第一退款指令,所述第一退款指令包括所述交易识别符;确定与所述第一退款指令中提供的所述交易识别符相关的所述特定付款票据;和发起确定与所述交易识别符相关的所述特定付款票据的所述退款。
Description
相关申请的交叉引用
本申请要求2013年2月4日提交且标题为“Matching Refunds to PaymentInstruments Employed in a Proxy Card Transaction”的第13/759,003号美国申请的优先权,其要求2012年7月31日提交且标题为“Proxy Card System”的第61/678,089号美国临时专利申请的优先权。上述优先权申请的全部公开内容以引用方式并入本文中。
技术领域
本公开大体上涉及代理卡交易,且更特定来说涉及匹配在代理卡交易中使用的适当付款票据的退款。
背景技术
在常规商家-客户金融交易中,商家的销售点终端机或在线付款流程引擎向买家提交为交易付款的付款请求。接着,买家通过卡网络向发行者提交授权交易的请求。如果资金可用,那么发行者通过卡网络将授权码发送到买家,且买家通知商家批准付款交易。付款流程涉及由商家生成并提交一次性付款请求。
常规商家-客户金融交易还涉及经由客户的金融帐户(诸如借记卡、信用卡或储值卡)进行付款。客户卡通常仅访问一种类型的帐户,其仅由一个发行者来维持。例如,“发行者1”信用卡仅从“发行者1”访问客户的金融帐户且付款被单个发行者(“发行者1”)批准/拒绝。交易的批准或拒绝取决于由特定发行者设置的规则,例如信用额度和地域限制。违反这些规则的通知导致交易被拒绝,且客户必须联系发行者改变规则或解决被拒绝的交易。
在常规付款票据交易中,商家将交易识别(“ID”)供应到付款票据系统。付款票据系统可使用交易ID来记录交易以便进行后续访问。例如,付款票据系统可使用交易ID来识别交易以便退款或退单。
在常规付款票据系统中,退款可以由商家在使用者请求或未请求的情况下发起。商家可以将包括交易ID的退款授权提供到付款票据系统以对用户帐户退还来自原始交易的交易金额的全部或一部分。付款票据系统识别与交易ID相关的用户帐户并将退款发出到对应用户帐户。
在常规付款票据系统中,退单可以由付款票据系统发起。例如,用户可以指示付款票据系统对特定交易的收费有误并请求商家退单。付款票据系统可识别与特定交易相关的交易ID,识别与特定交易相关的商家,并将退单和交易ID提供到商家以发起退款。
发明内容
本文中所描述的示例性实施方案的一个方面提供一种匹配在代理卡交易中使用的适当付款票据的退款的计算机实施方法。付款系统使用一种服务器,其被配置来:使用一个或多个计算装置,接收对商家与用户之间的交易的第一付款授权请求,所述付款授权请求包括用户帐户的识别和交易识别符,所述用户帐户具有与其相关的可用于进行付款交易的多个付款票据;确定使用其进行交易的多个付款票据中的特定付款票据;使交易识别符与在交易中采用的付款票据中的特定的一个相关;将请求授权使用特定付款票据对交易提供资金的第二付款授权请求传达到与特定付款票据的发行者相关的计算系统;从与特定付款票据的发行者相关的计算系统接收第一付款授权,所述第一付款授权授权使用特定付款票据对交易提供资金;至少部分基于第一付款授权传达授权第一付款授权请求的退款的第二付款授权;接收退还交易的付款金额的全部或一部分的第一退款指令,所述第一退款指令包括交易识别符;确定与第一退款指令中提供的交易识别符相关的特定付款票据;和发起确定与交易识别符相关的特定付款票据的退款。
本文中所描述的示例性实施方案的另一方面提供一种安装在服务器上以匹配在代理卡交易中使用的适当付款票据的退款和退单的计算机程序产品。所述计算机程序产品包括具有计算机可读程序指令存储在其中的非暂时性计算机可读存储装置。所述计算机可读程序指令包括:接收对商家与用户之间的交易的第一付款授权请求的计算机程序指令,所述付款授权请求包括用户帐户的识别和交易识别符,所述用户帐户具有与其相关且可用于进行付款交易的多个付款帐户;确定使用其进行交易的多个付款帐户中的特定付款帐户的计算机程序指令;使交易识别符与在交易中采用的付款票据中的特定的一个相关的计算机程序指令;将第二付款授权请求传达到与特定付款票据的发行者相关的计算系统的计算机程序指令,所述第二付款授权请求请求授权使用特定付款票据对交易提供资金;从与特定付款票据的发行者相关的计算系统接收第一付款授权的计算机程序指令,所述第一付款授权授权使用特定付款票据对交易提供资金;至少部分基于第一付款授权传达授权第一付款授权请求的退款的第二付款授权的计算机程序指令;接收退还交易的付款金额的全部或一部分的第一退款指令的计算机程序指令,所述第一退款指令包括交易识别符;确定与在第一退款指令中提供的交易识别符相关的特定付款票据的计算机程序指令;和发起确定与交易识别符相关的特定付款票据的退款的计算机程序指令。
在研究包括实行如当前所提出的发明的最佳模式的所示示例性实施方案的下文详细描述时,所属技术领域的一般人员将明白示例性实施方案的这些和其他方面、目的、特征和优点。
附图说明
图1是描绘根据某些示例性实施方案的用于匹配在代理卡交易中使用的适当付款票据的退款的系统的方框图。
图2是描绘根据某些示例性实施方案的用于注册用户代理卡的方法的方框流程图。
图3是描绘根据某些示例性实施方案的用于使交易识别与付款票据相关的方法的方框流程图。
图4是描绘根据某些示例性实施方案的用于将退款与在代理卡交易中使用的适当付款票据相匹配的系统的方框流程图。
图5是描绘根据某些示例性实施方案的计算机和模块的方框流程图。
具体实施方式
概述
在一个示例性实施方案中,代理卡付款系统使用户能够利用单张卡来访问由多个发行者维持的多个金融帐户。用户从代理卡系统接收代理卡并创建新代理卡系统帐户或使代理卡与已由代理卡系统维持的用户数字钱包帐户相关。
接着,用户使一个或多个金融卡帐户与代理帐户相关。例如,用户可使由多个发行者(包括操作为发行者的代理卡系统)维持的多个借记卡/信用卡、储值卡(例如,礼品卡、预付卡、可重新加载的交易卡、兑换卡和其它形式的非基于信用的价值卡)、优惠卡或存储回馈卡、增值服务帐户(例如,优惠券、预付凭单报价、赎回报价和其它形式的报价)、对等交易帐户、银行帐户和/或其它形式的金融卡帐户与用户代理卡帐户相关。
用户依与应用任何金融卡进行交易相似的方式应用代理卡以与商家进行交易。商家将付款请求转递到买家,买家将付款请求转递到卡网络。卡网络将代理卡付款请求转递到代理卡系统,其用作付款请求的发行者。代理卡系统可从付款请求读取代理卡帐户信息且可访问与代理卡相关的用户帐户。如果代理卡系统是金融帐户的发行者,那么代理卡系统将批准或拒绝交易。如果另一发行者维持金融帐户用于交易,那么代理卡系统将生成新付款请求并经由卡网络将所述请求发送到发行者。
如果批准交易,那么代理卡系统将经由卡网络从发行者接收授权消息。代理卡系统通过卡网络将授权转递到买家,买家将授权转递到商家。接着,商家批准交易。
在常规交易中,商家系统将交易识别(“ID”)传输到在进行交易时用户所用的付款票据的发行者。交易ID可被商家和付款票据发行者用于存储、定位、检索或依其它方式识别交易。
如前文所描述,在进行交易时,商家系统将初始交易付款请求发送到代理卡发行者。初始代理卡付款请求包括交易ID。然而,第二付款请求是由代理卡系统创建且被转递到发出被用户指定为有效票据的付款票据的付款票据系统。
在常规代理卡付款系统中,用于一次交易的有效票据可以不同于用于另一交易的有效票据。此外,对用于代理卡交易的付款票据的当前规则可以不同于在期望退款的交易之时所用的付款票据规则。在常规代理卡付款系统从商家接收退款请求时,代理系统无法引导适当付款票据的退款,即使代理卡付款系统记录交易ID与代理卡帐户。
在交易之后的某个时间,可由商家系统将退款授权发出到代理卡系统。然而,被用户指定为有效交易票据的付款票据可能已变更。用户可能已指示代理卡系统变更默认有效票据。规则可被配置来允许多个付款票据为有效票据,这取决于代理卡系统中建立的交易详情、商家详情、交易时限或任何其它规则。代理卡系统可能无法肯定地确定哪种付款票据应接收退款。因此,代理卡系统需要确定曾在交易中使用的正在接收退款的付款票据。必须确定正确付款票据使得退款可应用于适当用户帐户或传送到正确付款票据系统。
在示例性实施方案中,代理卡系统识别从商家接收的新交易请求的交易ID。在代理卡系统从规则确定哪种付款票据将用于处理交易时,代理卡系统可使交易ID与付款票据相关。代理卡系统可将交易ID存储在交易ID数据库中并使所述交易ID与用于识别的交易的付款票据的识别相关。此外或或者,代理卡系统可使交易ID与代理卡系统的交易记录数据库中所用的付款票据相关。此外或或者,代理卡系统可将交易ID和所用的付款票据存储在代理卡系统上的用户帐户中。代理卡系统可使交易ID和所用的付款票据相关并依任何方式存储其或将其存储在可用于代理卡系统的位置中,其将允许在退款时间或任何其它合适时间检索交易ID和所用的付款票据。
在示例性实施方案中,在接收退款授权之时,代理卡系统交叉参考退款授权中接收的交易ID与保存在数据库中的交易ID。一旦代理卡系统识别原始交易,那么其可确定用于处理原始代理卡交易的正确付款票据。代理卡系统传输第二退款授权使得退款直接被记为用于用户已在原始代理卡购买之时选择的付款票据。在示例性实施方案中,一旦代理卡系统成功处理退款,那么通知用户退款成功。
在替代实施方案中,代理卡系统将退款留存在用户帐户中。使用付款票据作为代理卡购买中的有效票据,代理卡系统可使退款与用于原始交易的付款票据相关并将退款应用于未来交易。或者,代理卡系统140可将留存的退款用于涉及用户代理卡帐户的任何购买。
在示例性实施方案中,用户A两周前使用她的代理卡购买商品。她选择的付款卡是由银行X发行的付款卡。商家将代理卡付款请求(其包括用于购买的交易ID)传输到代理卡系统。代理卡系统接收代理卡付款请求和交易ID。用户A将商品归还给商家,且商家将买价退还到她用于进行购买的代理卡。退款与原始代理卡交易的交易ID从商家系统转递到代理卡系统。通过从与交易ID相关的用户A帐户检索原始代理卡交易信息并确定由银行X发行的用户A付款卡是否为在进行购买之时选择的卡,代理卡系统使交易ID与由银行X发行的用户A付款卡相关。代理卡系统将全额退款传递到由银行X发行的用户A付款卡。在示例性实施方案中,代理卡系统可将退款传递到由银行X发行的用户A付款卡,而不管付款卡是否从用户A钱包帐户启用、撤销、删除、停用或部分停用。
在替代示例性实施方案中,代理卡系统可从原始有效付款票据系统接收退单请求,并将退单请求推送到原始记录商家。即,用户可报告交易为欺诈交易(包括不正确定价),或出于任何合适原因请求发出退单。如果退单发出到代理卡系统,那么代理卡系统可确定交易中涉及的商家、交易ID和付款票据并将退单转递到商家。
示例性系统架构
现转向其中遍及图相似数字表示相似(但不一定相同)元件的图式,详细描述示例性实施方案。
图1是描绘根据某些示例性实施方案的用于将商家分类码传输到付款票据的系统的方框图。如图1中所描绘,系统100包括被配置来经由一个或多个网络105彼此通信的网络装置110、130、140和170。
每个网络105包括通过其网络装置(包括装置110、130、140和170)可交换数据的有线或无线电信构件。例如,每个网络105可包括局域网(“LAN”)、广域网(“WAN”)、内联网、互联网、移动电话网络或其任何组合。遍及示例性实施方案的论述,应了解,术语“数据”和“信息”在本文中互换地用于指代可存在于基于计算机的环境中的文本、图像、音频、视频或任何其它形式的信息。
每个网络装置110、130、140和170包括具有能够通过网络105传输和接收数据的通信模块的装置。例如,每个网络装置110、130、140和170可包括服务器、桌上型计算机、膝上型计算机、平板计算机、具有一个或多个处理器嵌入其中和/或偶接到其的电视机、智能电话、手持型计算机、个人数字助理(“PDA”)、或任何其它有线或无线处理器驱动的装置。在图1中所描绘的示例性实施方案中,网络装置110、130、140和170分别由终端用户或客户、商家操作员、代理卡系统操作员和付款票据系统操作员来操作。
用户101可使用通信应用112(诸如网络浏览器应用或独立应用)以经由分布式网络105查看、下载、上传或依其它方式访问文档或网页。网络105包括通过其网络装置(包括装置110、130、140和170)可交换数据的有线或无线电信系统或装置。例如,网络105可包括局域网(“LAN”)、广域网(“WAN”)、内联网、互联网、存储区域网络(SAN)、个人区域网络(PAN)、城域网(MAN)、无线局域网(WLAN)、虚拟专用网络(VPN)、蜂窝网络或其它移动通信网络、蓝芽、NFC或其任何组合、或促进传达信号、数据和/或消息的任何其它适当架构或系统。
通信应用112可与连接到网络105的网络服务器或其它计算装置交互,包括商家系统130的销售点终端机134、商家系统130的商家服务器135和代理卡系统140的网络服务器141。
用户网络装置110可包括数字钱包应用模块111。数字钱包应用模块111可涵盖用户装置110可用于协助用户101完成购买的任何应用、硬件、软件或过程。数字钱包应用模块111可与通信应用112交互或可体现为通信应用112的配套应用。作为配套应用,数字钱包应用模块111可在通信应用112内执行。即,数字钱包应用模块111可以是嵌入通信应用112中的应用程序。
用户装置110可包括代理卡应用115。代理卡应用115可与通信应用112交互或体现为通信应用112的配套应用且在通信应用112内执行。代理卡应用115还可以体现为数字钱包应用模块111的配套应用且在数字钱包应用模块111执行。代理卡应用115可以采用可以在数字钱包应用模块111打开或可以在网络浏览器应用112中打开的配置的软件接口。或者,代理卡应用115可以独立于数字钱包应用模块111和通信应用112而在用户装置110上执行。
代理卡应用115可操作以容许用户101在用户装置110和代理卡系统140上配置代理卡帐户。代理卡应用115可容许用户101设置规则、确认交易、选择优选卡进行交易、接收卡选择通知和提供其它合适服务。
用户装置110还包括可供数字钱包应用模块111、代理卡应用115和通信应用112访问的数据存储单元113。示例性数据存储单元113可包括一个或多个有形计算机可读存储装置。数据存储单元113可存储在用户装置110上或可逻辑地耦接到用户装置110。例如,数据存储单元113可包括板上快闪存储器和/或一个或多个可抽换存储卡或可抽换快闪存储器。
在示例性实施方案中,代理卡依与标准信用卡或借记卡相同的方式表现和/或运作。例如,代理卡可以具有列举在所述卡前方的用户101姓名和/或帐号。示例性代理卡可包括编码用户101的代理卡系统140帐户信息的磁条。在示例性实施方案中,磁条中编码的帐户信息将付款请求路由到代理卡系统140用于处理。
在替代示例性实施方案中,代理卡不是物理卡。相反,代理卡是可供用户装置110的无线分接头访问的帐户、帐户识别号、条形码或QR码、记号或其它形式的帐户识别或访问,其可以手动地输入到结帐POS终端机134中或可被POS终端机134捕获。如遍及本说明书所论述的代理卡指代物理卡以及代理帐户。
用户101可使用用户装置110或其它网络装置来注册代理卡和/或访问用户101的代理卡系统帐户。用户装置110可以包括包含或耦接到网络服务器(例如,Google Chrome、Microsoft Internet Explorer、Netscape、Safari、Firefox或用于与网页文件交互的其它合适应用)的适当技术。
代理卡系统140包括可供网络服务器141访问的数据存储单元147。示例性数据存储单元147可包括一个或多个有形计算机可读存储装置。
用户101可使用代理卡系统140上的网络服务器141以经由网站(未示出)和通信网络105)查看、注册、下载、上传或依其它方式访问代理卡系统140。用户101使一个或多个注册的金融卡帐户(包括可用于进行购买或兑换增值服务的银行帐户借记卡、信用卡、礼品卡、优惠卡、彩券、报价、预付报价、存储回馈卡或其它类型的金融帐户)与用户101的付款帐户相关。代理卡系统140还可以用作相关金融付款票据的发行者。用户101的注册信息保存在代理卡系统140的数据存储单元147中且可供网络服务器141访问。用户101还可以使用网络服务器141来定义付款规则。
商家系统130可以使用网络服务器135以经由网站136和通信网络105查看、下载、上传、创建报价,在线销售产品,或依其它方式访问代理卡系统140。商家系统130表示提供产品以供用户101购买或使用的实体。商家系统130包括销售点(“POS”)终端机134。POS终端机134可以由将购买数据输入到POS终端机134中以完成购买交易的销售员操作。商家系统130可以是物理位置或在线商家。
用户101可以从商家系统130请求购买。在示例性实施方案中,购买是由移动装置110的无线“分接头”与POS终端机134发起。在替代示例性实施方案中,购买是在用户101在POS终端机134处或在移动装置110中输入帐户识别号时发起。在另一替代示例性实施方案中,购买是通过商家服务器135在线发起。购买可以经由商家网站136发起。在另一替代示例性实施方案中,购买是运用由终端机读卡器131捕获的永久性/暂时性虚拟/物理记号、QR码、条形码或其它合适机器可读介质发起。商家的POS终端机134与买家(例如ChasePaymentTech或其它第三方付款处理公司)、卡网络(例如VISA、MasterCard、AmericanExpress、Discover或其它卡处理网络)、代理卡系统140和发行者(例如Citibank、CapitalOne、Bank of America和其它授权付款的金融机构)交互。
付款票据系统170表示发出或维持可与代理卡系统140相关的金融帐户的任何系统。可相关的金融帐户的实例包括但不限于借记卡、信用卡、储值卡、优惠卡/回馈卡、银行帐户、对等交易帐户、储值帐户和彩券(包括购买的报价和其它报价)。如配置帐户、关联于付款票据、供应票据图片或执行任何其它合适功能所需,付款票据系统170可与代理卡系统140、商家系统130和用户装置110通信。
付款票据系统170包括可供网络服务器171访问的数据存储单元177。示例性数据存储单元177可包括一个或多个有形计算机可读存储装置。
用户101和其它装置可使用付款票据系统170上的网络服务器171以经由网站(未示出)和通信网络105)查看、注册、下载、上传或依其它方式访问付款票据系统170。
示例性过程
后文中参考图2中所示的示例性方法描述示例性操作环境100的组件。
图2是描绘根据某些示例性实施方案的用于注册用户代理卡的方法200的方框流程图。
参考图1和2,在方框205中,代理卡系统140将代理卡帐户发出到用户101。在示例性实施方案中,用户101使用网络服务器141请求代理卡,且代理卡寄送到用户101。在接收物理卡之前或之后,可以对用户101发出用于经由互联网进行交易的帐号。在替代示例性实施方案中,代理卡系统140将撤销的代理卡寄送到用户101。接着,在使用之前由用户101启动代理卡。在替代示例性实施方案中,不发出物理代理卡。代理卡帐户信息可存储在用户装置110中且用于经由NFC、蓝芽、Wi-Fi或其它形式的用户装置110无线分接头对销售点(“POS”)终端机134进行付款。在替代示例性实施方案中,在用户101在POS终端机134处或在用户装置110中输入帐户识别号时发起购买。帐户识别号可以是将付款交易链接到代理卡帐户的代理卡帐号或不同帐号。在另一替代示例性实施方案中,购买是运用由POS终端机134读取的永久性/暂时性虚拟/物理记号、QR码、条形码或其它合适机器可读介质发起。在这些情况中,POS终端机134可以包括捕获代理帐户信息(诸如条形码)的扫描仪、相机或其它读取装置、或QR读卡器或其它合适读取装置。代理帐户信息可以印刷在纸张中或依其它形式印刷。
在方框210中,用户101创建新代理卡系统140帐户或将代理卡链接到代理卡系统140上的现有帐户。代理卡系统140还可以对用户装置110上的代理卡应用115或对用户装置110上的数字钱包应用模块111创建或更新帐户。
在方框215中,用户101启动代理卡且使一个或多个金融票据帐户(例如,借记卡、信用卡、礼品卡/储值卡、优惠卡/回馈卡、对等付款帐户、彩券、预付报价或其它报价和用于进行购买或兑换增值服务的其它帐户)与代理卡帐户相关。在示例性实施方案中,用户101使多个金融票据帐户与代理卡帐户相关。用户101可以通过输入识别每个金融付款票据帐户的信息执行这个方框。
在示例性实施方案中,由代理卡系统140和其它付款票据系统170维持一个或多个金融票据帐户。在替代示例性实施方案中,代理卡系统140维持金融票据帐户中的一个或多个且充当金融票据帐户的发行者。在另一示例性实施方案中,由一个以上付款票据系统170(包括代理卡系统140)维持金融票据帐户。
在方框220中,用户101建立在交易中选择付款票据的规则。用户101可使用用户装置110上的代理卡应用115、代理卡系统140的网络服务器141上的网站、或任何合适硬件或软件应用来建立规则。用户101可从由代理卡系统140提供的规则的选择作出选择或用户101可输入新规则。
此外或或者,代理卡系统140可建立在对用户101进行交易和作出推荐中选择付款票据的规则。例如,代理卡系统140可建立默认付款票据,基于其它用户规则作出推荐,基于付款票据效益或费用作出推荐,或建立任何其它合适规则或推荐。
在可由代理卡系统140或用户101建立的规则的实例中,特定付款票据可以指定为对识别的商家分类码(“MCC”)或码组选择的付款票据。在另一实例中,付款票据可以指定为对识别的商家选择的付款票据。在另一实例中,可以引导代理卡系统140选择具有最低余额或最高信用度的付款票据。可建立任何其它合适规则以选择用于提议的交易的付款票据。
在方框225中,代理卡系统140将用户代理卡帐户识别信息发送到卡网络(未示出)。POS终端机134可识别如属于代理卡系统140上的代理卡帐户的帐号。或者,代理卡和代理卡系统140的识别可在商家系统130、买家、卡网络或付款票据系统170的系统中的任何地方发生。
在方框230中,卡网络存储代理卡帐户识别信息。在替代示例性实施方案中,帐号识别代理卡系统140为发行者且为获得批准付款从卡网络自动路由到代理卡系统140。
在本发明的替代实施方案中,代理卡帐户可通过任何其它过程进行配置。例如,用户101可能看不见代理卡。用户101可以使用代理卡系统140配置帐户且具有自动安装在所述帐户上以结合用户装置110或其它装置使用的代理卡。帐户可以链接到用户101的金融帐户或其它帐户。用户101可以选择一个金融帐户为现用帐户且所述选定金融帐户可成为代理卡的有效票据。
在另一实例中,方法200可在执行方框220和230之后执行方框210。即,用户101可创建代理卡系统140帐户且使一个或多个金融帐户与代理卡系统140帐户相关。接着,代理卡系统140可以发出代理卡且使所述代理卡与用户101帐户相关。
图3是描绘根据某些示例性实施方案的用于使交易ID与付款票据相关的方法300的方框流程图。
在方框305中,由代理卡系统140接收代理卡购买请求。代理卡用于与商家系统130进行交易。商家系统130可在物理商家位置或在线商家位置处。用户101可选择一个或多个要购买的产品并使用代理卡发起交易。如前文所描述,所述发起可经由物理代理卡、与用户装置进行的无接触交易、或在线交易。
在方框310中,代理卡系统140从商家系统130接收交易请求中的交易ID的交易详情。此外或或者,交易ID可以与交易请求分开传输。此外或或者,交易ID可以从除商家系统130外的另一源(诸如用户装置110、第三方服务器或其它合适实体)获得。
在方框315中,代理卡系统140基于MCC或其它规则识别要使用的付款票据。由用户或代理卡系统140建立的任何规则可指示要使用的付款票据。或者,用户101选择用于交易的付款票据。用户101可通过致动物理或虚拟按钮、通过语音命令、通过点击付款票据的适当表示或通过选择票据的任何其它合适方式作出选择。在由用户101作出选择之后,选定付款票据可显示在用户装置110上。
在替代示例性实施方案中,代理卡系统115可在不选择付款票据的情况下进行交易。在进行交易之后的某个时间或在交易期间的任何时间,可选择付款票据。所述选择可基于如上文所描述的规则集或可由代理卡系统140的用户101作出。
在方框320中,代理卡系统140创建第二付款请求并将所述请求转递到发出被指定为有效交易票据的付款票据的付款票据系统170。
在方框325中,代理卡系统140将交易ID存储在交易ID的数据库中并使所述交易ID與用于识别的交易的付款票据的识别相关。此外或或者,代理卡系统140可使交易ID与代理卡系统140的交易记录数据库中的所用付款票据相关。此外或或者,代理卡系统140可将交易ID和用户101帐户中的所用付款票据存储在代理卡系统140中。代理卡系统140可使交易ID和所用付款票据相关并依任何方式存储其或将其存储在可用于代理卡系统140的位置中,其将允许在退款时间或任何其它合适时间检索交易ID和所用付款票据。
在方框330中,付款票据系统170授权交易。付款票据系统170可采用在使用付款票据的标准交易中所用的相同授权方法。例如,如果付款票据是信用卡,那么付款票据系统可确定信用卡是否具有足以对交易提供资金的可用信用额,确定交易是否显示为非欺诈交易,且遵循任何其它合适授权步骤。在另一实例中,储值卡可确定是否足够资金存储在卡上以便对交易提供资金。可采用任何其它合适授权过程。付款票据系统170可将授权传输到代理卡系统140。
在方框335中,在从付款票据系统170接收授权之后,代理卡系统140可授权交易并通过卡网络系统或通过任何其它合适系统将授权传输到商家系统130。如果付款票据系统170不授权交易,那么代理卡系统140可将拒绝交易的通知传输到商家系统130。在替代实施方案中,代理卡系统140可接受具有替代付款票据的交易。
在方块340中,在商家系统130处完成交易。例如,在从代理卡系统140接收授权之后,商家系统130可将产品或服务递送到用户101,将接收提供到用户101,接收用户101信号,或执行任何其它合适任务以完成交易。
图4是描绘根据某些示例性实施方案的用于将退款与在代理卡交易中使用的适当付款票据相匹配的方法400的方框流程图。
在方框405中,用户101对商家系统130呈现真实或虚拟代理卡以获得先前交易的退款。所述呈现可以亲自在商家系统130位置处进行。此外或或者,所述呈现可以基于通过网络105与商家系统130进行的互联网连接,通过电话呼叫或依任何其它合适方式进行。用户101可出于有缺陷产品、错误或欺诈收费、差服务或任何合适退款原因的请求退款。
在方框410中,商家系统130发出退款授权并将所述授权传输到代理卡系统140。代理卡系统140接收退款授权和交易ID。退款授权可经由通过网络105进行的互联网连接、经由文本、经由电子邮件或任何合适通信方法传输到代理卡系统140。所述授权可是文本授权、基于预配置退款系统的代码或可用于商家系统130和代理卡系统140的任何合适授权格式。如果退款授权不包括交易ID,那么代理卡系统140可从商家系统130请求交易ID。
在方框415,代理卡系统140识别用于识别交易和相关付款票据的记录的交易ID。
在方框420中,代理卡系统140识别与交易ID相关的付款票据。代理卡系统140可交叉参考包括存储的交易ID和付款票据的数据库。代理卡系统140可将付款票据定位在具有交易ID和相关付款票据的数据库中。代理卡系统140可通过搜索用于匹配交易ID和相关付款票据的任何合适系统来确定付款票据。
在方框425中,代理卡系统140创建第二退款授权并将所述授权传输到发出与交易相关的付款票据的付款票据系统170。第二退款授权可经由通过网络105进行的互联网连接、经由文本、经由电子邮件或任何合适通信方法传输到付款票据系统170。所述授权可是文本授权、基于预配置退款系统的代码或可用于代理卡系统140和付款票据系统170的任何合适授权格式。
在方框430中,付款票据系统170接受退款交易。所述接受可以是自动的或由付款票据系统170的操作员批准。此外或或者,所述接受可以由自动过程或其它合适过程作出。
在方框435中,用户101从付款票据系统170接收退款完成的确认。在替代实施方案中,付款票据系统170可通知代理卡系统140退款完成并请求代理卡系统140通知用户101。用户101可在代理卡系统140的网站、付款票据系统170的网站上经由文本或电子邮件或通过任何合适通信方法接收接收退款通知。
在替代实施方案中,可以通过退单促进退款。退单可以由代理卡系统140、付款票据系统170或另一合适实体发起。退单可以归因于欺诈收费、错误收费或任何其它合适原因。交易ID和相关付款票据的识别可以遵循与标准退款授权相似的过程。
在替代实施方案中,代理卡系统140可将退款传递到付款票据系统170,而不管付款卡是否从用户101代理卡帐户启用、撤销、删除、停用或部分停用。
在替代实施方案中,代理卡系统140将退款留存在用户帐户中。代理卡系统140可使退款与用于原始交易的付款票据相关并应用退款以进行使用付款票据作为代理卡购买中的有效票据的未来交易。或者,代理卡系统140可将留存的退款用于涉及用户代理卡帐户的任何购买。
示例性系统
图5描绘根据某些示例性实施方案的计算机2000和模块2050。计算机2000可以对应于本文中所提出的各种计算机、服务器、移动装置、嵌入式系统或计算系统的任一个。模块2050可以包括被配置来促进计算机2000执行本文中所提出的各种方法和处理功能的一个或多个硬件或软件元件。计算机2000可以包括各种内部或附接组件,诸如用于与网络2080通信的处理器2010、系统总线2020、系统存储器2030、存储介质2040、输入/输出接口2060和网络接口2070。
计算机2000可以实施为常规计算机系统、嵌入式控制器、膝上型计算机、服务器、移动装置、智能电话、机顶盒、自助服务终端、车载信息系统、与电视机相关的一个或多个处理器、自定义机器、任何其它硬件平台、或其任何组合或集合。计算机器2000可是配置成使用通过数据网络或总线系统互连的多个计算机器运作的分布式系统。
处理器2010可被配置成运行代码或指令以执行本文描述的操作和功能、管理请求流动和地址映射以及执行计算和产生命令。处理器2010可以被配置来监控和控制计算机2000中的组件的操作。处理器2010可以是通用处理器、处理器核心、多重处理器、可重新配置的处理器、微控制器、数字信号处理器(“DSP”)、专用集成电路(“ASIC”)、图形处理单元(“GPU”)、现场可编程门阵列(“FPGA”)、可编程逻辑装置(“PLD”)、控制器、状态机、门控逻辑、离散硬件组件、任何其它处理单元、或其任何组合或集合。处理器2010可以是单个处理单元、多个处理单元、单个处理核心、多个处理核心、专用处理核心、协同处理器、或其任何组合。根据某些实施方案,处理器2010连同计算机2000的其它组件可以是在一个或多个其它计算机内执行的虚拟化计算机。
系统存储器2030可以包括非易失性存储器,诸如能够在施加电力或不施加电力的情况下存储程序指令或数据的只读存储器(“ROM”)、可编程只读存储器(“PROM”)、可擦除可编程只读存储器(“EPROM”)、快闪存储器、或任何其它装置。系统存储器2030还可以包括易失性存储器,诸如随机访问存储器(“RAM”)、静态随机访问存储器(“SRAM”)、动态随机访问存储器(“DRAM”)、同步动态随机访问存储器(“SDRAM”)。其它类型的RAM还可以用于实施系统存储器2030。系统存储器2030可以使用单个存储器模块或多个存储器模块来实施。虽然系统存储器2030被描绘成是计算机2000的部分,但所属技术领域的熟练人员将意识到,在不背离本发明技术的范围的情况下,系统存储器2030可以与计算机2000分开。还应明白,系统存储器2030可以包括非易失性存储装置(诸如存储介质2040)或结合其操作。
存储介质2040可以包括硬盘、软盘、光盘只读存储器(“CD-ROM”)、数字多功能光盘(“DVD”)、蓝光盘、磁带、快闪存储器、其它非易失性存储器装置、静态驱动器(“SSD”)、任何磁性存储装置、任何光学存储装置、任何电存储装置、任何半导体存储装置、任何基于物理的存储装置、任何其它数据存储装置、其任何组合或集合。存储介质2040可以存储一个或多个操作系统、应用程序和程序模块(诸如模块2050)、数据或任何其它信息。存储介质2040可以是计算机2000的部分或连接到计算机2000。存储介质2040还可以是与计算机2000(诸如服务器、数据库服务器、云存储装置、网络附接的存储装置等)通信的一个或多个其它计算机的部分。
模块2050可以包括被配置来促进计算机2000执行本文中所提出的各种方法和处理功能的一个或多个硬件或软件元件。模块2050可以包括与系统存储器2030、存储介质2040或两者相关联、存储为软件或固件的一个或多个指令序列。存储介质2040可以因此表示机器或计算机可读介质的实例,在其上指令或代码可被存储用于由处理器2010运行。机器或计算机可读介质通常可指的是用于向处理器2010提供指令的任何一个介质或多个介质。与模块2050相关的此类机器或计算机可读介质可以包括计算机软件产品。应明白,包括模块2050的计算机软件产品还可以与用于经由网络2080、任何信号承载介质、或任何其它通信或递送技术将模块2050递送到计算机2000的一个或多个过程或方法相关。模块2050还可以包括硬件电路或用于配置硬件电路的信息,诸如FPGA或其它PLD的微码或配置信息。
输入/输出(“I/O”)接口2060可以被配置来耦接到一个或多个外部装置,以从所述一个或多个外部装置接收数据,和将数据发送到所述一个或多个外部装置。这些外部装置连同各种内部装置还可以被称为周边装置。I/O接口2060可以包括用于可操作地将各种外围装置耦接到计算机器2000或处理器2010的电连接和物理连接两者。I/O接口2060可以被配置来在周边装置、计算机2000或处理器2010之间传达数据、地址和控制信号。I/O接口2060可以被配置来实施任何标准接口,诸如小型计算机系统接口(“SCSI”)、串行附接SCSI(“SAS”)、光纤通道、周边组件互连件(“PCI”)、PCI总线(PCIe)、串行总线、并行总线、先进附接技术(“ATA”)、串行ATA(“SATA”)、通用串行总线(“USB”)、Thunderbolt、FireWire、各种视频总线等。I/O接口2060可以被配置来仅实施一个接口或总线技术。或者,I/O接口2060可以被配置来实施多个接口或总线技术。I/O接口2060可以被配置为系统总线2020的部分或全部或结合系统总线2020操作。I/O接口2060可以包括用于在一个或多个外部装置、内部装置、计算机2000或处理器2010之间缓冲传输的一个或多个缓冲器。
I/O接口2060可以将计算机2000耦接到各种输入装置,包括鼠标、触摸屏、扫描仪、生物读卡器、电子数字转换器、感应器、接收器、触摸板、轨迹球、相机、麦克风、键盘、任何其它指向装置、或其任何组合。I/O接口2060可以将计算机2000耦接到各种输出装置,包括视频显示器、扬声器、打印机、投影仪、触觉反馈装置、自动控制器、机器人组件、致动器、马达、风扇、螺线管、阀、泵、传输器、信号发射器、灯等。
计算机2000可以在联网环境中使用通过网络接口2070跨网络2080到一个或多个其它系统或计算机的逻辑连接操作。网络2080可以包括广域网(WAN)、局域网(LAN)、内联网、互联网、无线访问网络、有线网络、移动网络、电话网络、光学网络或其组合。网络2080可以是任何拓扑的交换包、交换电路,且可以使用任何通信协议。网络2080内的通信链路可以涉及各种数字或模拟通信介质,诸如光纤电缆、自由空间光学装置、波导、电导体、无线链路、天线、射频通信等。
处理器2010可以通过系统总线2020连接到本文中所论述的计算机2000的其它元件或各种周边装置。应明白,系统总线2020可以在处理器2010内、在处理器2010外或两者。根据一些实施方案,本文中所论述的处理器2010、计算机2000的其它元件或各种周边装置中的任一个可以集成到单个装置中,诸如片上系统(“SOC”)、包上系统(“SOP”)或ASIC装置。
在其中本文所论述的系统收集关于用户的个人信息或可以运用个人信息的情况中,用户可以具备控制程序或特征是否收集用户信息(例如,关于用户社交网络、社交动作或活动、职业、用户偏好或用户当前位置的信息)或控制是否和/或如何从内容服务器接收可以与用户更相关的内容的机会。此外,某些数据可以在存储或使用其之前依一种或多种方式处理,使得移除个人可识别的信息。例如,可以处理用户身份使得无法确定用户的个人可识别信息,或获得位置信息的用户地理位置可以泛化(诸如到城市、ZIP编码或州级),使得无法确定用户的特定位置。因此,用户可以具有对如何收集关于用户的信息和内容服务器如何使用所述信息的控制权。
实施方案可以包括体现本文中所描述和所示的功能的计算机程序,其中在包括存储在机器可读介质中的指令的计算机系统和执行所述指令的处理器中实施计算机程序。然而,应明白,可存在计算机编程中实施实施方案的许多不同方式,且所述实施方案不应被解释为限于计算机程序指令中的任何一个集。此外,熟练程序员将能够写入这个计算机程序以基于应用文本中的随附流程图和相关描述实施所公开实施方案中的实施方案。因此,程序码指令的特定集的公开不应被视为是正确理解如何制作和使用实施方案必需的。此外,所属技术领域的熟练人员将明白,本文中所描述的实施方案的一个或多个方面可以由硬件、软件或其组合执行,因为其可以在一个或多个计算系统中体现。此外,对由计算机执行的动作的任何参考不应被解释为由单个计算机执行,因为一个以上计算机可以执行所述动作。
本文中所描述的示例性实施方案可结合执行前文所描述的方法和处理功能的计算机硬件和软件使用。本文中所描述的系统、方法和程序可在可编程计算机、计算机可执行软件或数字电路中体现。软件可存储在计算机可读介质上。例如,计算机可读介质可包括软盘、RAM、ROM、硬盘、可抽换介质、快闪存储器、存储棒、光学介质、磁光介质、CD-ROM等。数字电路可包括集成电路、门阵列、构件逻辑、现场可编程门阵列(FPGA)等。
在前文所提出的实施方案中描述的示例性系统、方法和动作是说明性的,且在替代实施方案中,某些动作可依不同顺序执行、平行于彼此、整个被省略、和/或在不同示例性实施方案之间组合,和/或在不背离各种实施方案的范围和精神的情况下可执行某些额外动作。因此,本文中所要求的发明中包括这些替代实施方案。
尽管上文已详细描述具体实施方案,但所述描述仅用于说明目的。因此,应明白,上文所描述的许多方面并非希望为所要或本质元件,除非另有明确陈述。在不背离下文专利要求书中所界定的实施方案的精神和范围的情况下,获益于本公开,所属技术领域的一般人员可作出除对应于上文所描述的实施方案的所公开方面外还对应于示例性实施方案的所公开方面的元件或动作修改和等效元件或动作,专利要求书的范围符合最广解释以便涵盖这些修改和等效结构。
Claims (14)
1.一种将退款与付款票据相匹配的计算机实施方法,包括:
使用一个或多个计算装置,接收对商家与用户之间的交易的第一付款授权请求,所述付款授权请求包括用户代理帐户的识别和所述交易的识别符,所述用户代理帐户具有与其相关的可用于进行付款交易的多个付款票据;
使用所述一个或多个计算装置,确定使用其进行所述交易的所述多个付款票据中的特定付款票据;
使用所述一个或多个计算装置,将请求授权使用所述特定付款票据对所述交易提供资金的第二付款授权请求传达到与所述特定付款票据的发行者相关的计算系统;
使用所述一个或多个计算装置,使所述交易识别符与在所述交易中采用的所述多个付款票据中的所述特定付款票据相关联;
使用所述一个或多个计算装置,从与所述特定付款票据的所述发行者相关的所述计算系统接收授权使用所述特定付款票据对所述交易提供资金的第一付款授权;
使用所述一个或多个计算装置,至少部分基于所述第一付款授权传达授权对所述第一付款授权请求提供资金的第二付款授权;
使用所述一个或多个计算装置,接收退还所述交易的付款金额的至少一部分的第一退款指令,所述第一退款指令包括所述交易识别符;
使用所述一个或多个计算装置,确定与在所述第一退款指令中提供的所述交易识别符相关的所述特定付款票据;和
使用所述一个或多个计算装置,发起被确定为与所述交易识别符相关的所述特定付款票据的退款。
2.根据权利要求1所述的计算机实施方法,其中所述发起步骤包括使用所述一个或多个计算装置,将退还所述交易的所述付款金额的全部或一部分的第二退款指令传达到与所述特定付款票据的所述发行者相关的所述计算系统。
3.根据权利要求1所述的计算机实施方法,其中所述发起步骤包括使用所述一个或多个计算装置,针对涉及所述特定付款票据的未来交易的信用,留存所述交易的所述付款金额的全部或一部分。
4.根据权利要求1所述的计算机实施方法,还包括使用所述一个或多个计算装置,将通知提供到所述退款的所述用户。
5.根据权利要求1所述的计算机实施方法,其中所述关联步骤包括将所述交易识别符和所述相关付款票据存储在数据库中。
6.根据权利要求1所述的计算机实施方法,其中所述确定步骤包括:
使用所述一个或多个计算装置,访问所述代理卡系统的数据库中的所述交易识别;和
使用所述一个或多个计算装置,识别与所述交易识别相关的所述付款票据。
7.根据权利要求1所述的计算机实施方法,其中所述第一退款指令通过来自所述特定付款票据的所述发行者的退单发起。
8.根据权利要求1所述的计算机实施方法,其中所述第一退款指令通过来自所述一个或多个计算装置的退单发起。
9.根据权利要求1所述的计算机实施方法,其中所述第一退款指令通过所述商家发起。
10.一种将退款与付款票据相匹配的系统,所述系统包括:
存储装置;
网络装置;和
处理器,其通信地偶接到所述存储装置和所述网络装置,其中所述处理器执行存储在所述存储装置中且促使所述系统进行下列步骤的应用代码指令:
接收对商家与用户之间的交易的第一付款授权请求,所述付款授权请求包括用户代理帐户的识别和所述交易的识别符,所述用户代理帐户具有与其相关的可用于进行付款交易的多个付款票据;
确定使用其进行所述交易的所述多个付款票据中的特定付款票据;
将请求授权使用所述特定付款票据对所述交易提供资金的第二付款授权请求传达到与所述特定付款票据的发行者相关的计算系统;
使所述交易识别符与在所述交易采用的所述多个付款票据中的所述特定付款票据相关联;
从与所述特定付款票据的所述发行者相关的所述计算系统接收授权使用所述特定付款票据对所述交易提供资金的第一付款授权;
至少部分基于所述第一付款授权传达授权对所述第一付款授权请求提供资金的第二付款授权;
接收退还所述交易的付款金额的至少一部分的第一退款指令,所述第一退款指令包括所述交易识别符;
确定与在所述第一退款指令中提供的所述交易识别符相关的所述特定付款票据;和
发起被确定为与所述交易识别符相关的所述特定付款票据的退款。
11.根据权利要求10所述的系统,其中所述第一退款指令通过来自所述特定付款票据的所述发行者的退单发起。
12.根据权利要求10所述的系统,其中所述第一退款指令通过来自所述一个或多个计算装置的退单发起。
13.根据权利要求10所述的系统,其中所述第一退款指令通过所述商家发起。
14.根据权利要求10所述的系统,其中所述发起步骤包括将退还所述交易的所述付款金额的全部或一部分的第二退款指令传达到与所述特定付款票据的所述发行者相关的所述计算系统的指令。
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2013
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EP2880611A1 (en) | 2015-06-10 |
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US20140040130A1 (en) | 2014-02-06 |
US20190057364A1 (en) | 2019-02-21 |
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