CN106803176A

CN106803176A - System for being paid by stored value card

Info

Publication number: CN106803176A
Application number: CN201710101172.1A
Authority: CN
Inventors: T·A·坎波斯; K·米勒; T·拉迟; K·D·哈珀; A·安萨里
Original assignee: Blackhawk Network Inc
Current assignee: Blackhawk Network Inc
Priority date: 2011-05-31
Filing date: 2012-05-30
Publication date: 2017-06-06
Also published as: AU2017210537A1; AU2023248078A1; CN103718200A; AU2023258434A1; JP7404154B2; KR20200138828A; AU2021229141A1; JP2018063729A; IN2013DN11079A; CA3161647A1; AU2019232775A1; JP2014519657A; MX2013013903A; KR20190041539A; WO2012166790A1; GB2505382A; AU2017218967A1; AU2021236487A1; CA2837208A1; KR20220137795A

Abstract

The invention discloses the system for being paid by stored value card.A kind of method is including receiving for stored value card, alternatively a part for transaction, the stored value card including sub- wallet, the treatment request to wallet and/or the transaction of sub- wallet treatment.Methods described also includes one or more electronic value tokens in identification e wallets and/or sub- wallet, and a part for payment transaction will be enough to one or more of electronic value tokens are used together when.Methods described also includes being applied to electronic value token the part of transaction.

Description

System for being paid by stored value card

It based on the Application No. 201280038073.9, applying date is on May 30th, 2012, entitled that the application is The divisional application of the patent application of " system for being paid by stored value card ".

Cross-Reference to Related Applications

This application claims the priority of following application：U.S. Provisional Patent Application No.61/491,791 and 61/491,813, Both of which is filed on May 31st, 2011, and entitled " A System for Payment via Electronic Wallet (system for being paid by stored value card) "；U.S. Provisional Patent Application No.61/496,397 and 61/496, 404, both of which is filed on June 13rd, 2011, and entitled " System, Method, and Apparatus for Creating and Distributing a Transaction Credit (for create and dispensing transaction credit system, Method and apparatus) ", each of which part is all incorporated by reference herein in its entirety.

The application also by reference and have following application disclosure, theme and concept whole：United States Patent (USP) Shen Please No.12/538,083, this application is filed in August in 2009 7, entitled " Transaction Processing Platform for Facilitating Electronic Distribution of Plural Prepaid Services (transaction processing platform for facilitating the electronic distribution of various prepaid services) ", and it is filed on December 18th, 2008 U.S. Patent application No.12/338,854 continuation application, U.S. Patent application No.12/338,854 is to be filed in 2007 9 The U.S. Patent application No.11/851 on the moon 6,337 continuation application (being now United States Patent (USP) No.7,477,731), the U.S. is special Profit application No.11/851,337 is that to be filed in the U.S. Patent application No.11/007,662 on December 7 in 2004 (be now U.S. State patent No.7,280,644) continuation application；U.S. Patent application No.13/040,074, this application is filed in March, 2011 3 days and entitled " System and Method for Electronic Prepaid Account Replenishment (for the system and method for electronics advance account supplement) "；U.S. Patent application No.10/821,815, this application is filed in On April 9th, 2004 and entitled " System and Method for Distributing Person Identification Numbers Over a Computer Network (are used to distribute personal identification by computer network The system and method for code) "；U.S. Patent application No.12/786,403, this application is filed on May 24th, 2010 and title It is " System and Method for Distributing Person Identification Numbers Over a Computer Network (system and method for distributing PIN by computer network) "；U.S. Patent application No.12/711,211, this application is filed on 2 23rd, 2010 and entitled " System and Method for Distributing Person Identification Numbers Over a Computer Network are (by based on The system and method for calculation machine network allocation PIN) "；And U.S. Patent application No.12/719,741, this application submission In on March 8th, 2010 and entitled " Systems and Methods for Personal Identification Number Distribution and Delivery (system and method distributed for PIN and delivered) ".

Background technology

E-trading market is flooded with credit card, debit card, stored value card and the loyalty card of many types at present, all these Card can by different publishers, sell advocate peace supplier provide.Some cards are customized to be redeemed with from retailer, and other block Can be redeemed by financial institution.Other cards have the promotion of binding, for example, loyalty card.However, the quantity and complexity of card are continuous Increase cause tissue and redeem it is more and more difficult so that potentially hinder market growth.For example, user does shopping in certain shops Period may be unaware that or forget its stored value card for possessing the shop, because the user possesses too many stored value card.In addition, user May be not understood to using his various types of promotion combined with loyalty card for providing of card, accordingly, it is possible to will not be from applicable Benefit in the promotion of the shopping of user.In the past, fixture body is in the tangible medium of such as plastics, thus be easily lost, it is stolen, Or simply fall when needed at home.It is many with being continuously increased for the transaction offering based on card for being supplied to consumer Consumer face tissue, management, tracking, transport and keeping they all credits card, debit card, stored value card, loyalty card and its The businessman of its type, the burdensome task for selling the card that the supplier that advocates peace issues.The consumer of today is what is desired is that obtaining and using More efficient, the safely effectively mode of their property relevant with card.

The content of the invention

Disclosed herein is computer-implemented method and system, in one embodiment including for implementing electronic money The computer-implemented method and system of bag, and including such as being added to stored value card or one part (for example, sub- wallet) Value token (value token) or from stored value card or the function of one part redemption value token.In one embodiment, A kind of method includes receiving all or part for the treatment of request of the payment transaction for stored value card or sub- wallet.The method Also include one or more the value tokens in identification wallet or sub- wallet, the complete of payment transaction will be met it is used together when Portion or a part.The method also include by electronic value token be applied to payment transaction all or part of.

In another embodiment, non-transient machine-readable storage device includes executable instruction, and it makes upon execution Received for the sub- wallet of an electronics, part for payment transaction, the stored value card including sub- wallet, right into one or more processors The treatment request of the payment transaction handled by wallet.Processor is also caused one or more the value generations in the sub- wallet of identification Coin, these value tokens will meet the part of payment transaction when using together.Processor is also caused electronic value Token is applied to the part of payment transaction.

In another embodiment, a kind of system includes one or more processors and is connected to one or more treatment The memory of device.Memory includes executable instruction, and it causes one or more processors to receive for electronics upon execution Wallet, a part for payment transaction, the stored value card including sub- wallet, the treatment request to the payment transaction handled by wallet. One or more processors are also caused one or more the value tokens in the sub- wallet of identification, and these value tokens make together Used time will meet the part of payment transaction.One or more processors to be also caused be applied to electronic value token and pay The part of transaction.

In one embodiment, a kind of electronic value token transaction computer includes sale point interface and taxon, and And be connected to stored value card transactions computer data storage area include stored value card unit.Point of sale interface request, and One in request is identified as including taxon the stored value card request of checking information.Electronic value token transaction computer Via the stored value card that stored value card unit access is associated with checking information.Electronic value token transaction computer is checked and electricity The associated rule of sub- wallet and based on the value token in rule selection stored value card, these are worth tokens makes together Used time will meet stored value card request.Electronic value token is applied to stored value card by electronic value token transaction computer please Ask.

Brief description of the drawings

Figure 1A, Fig. 2A, Fig. 2 B and Fig. 2 C are the electronic value token transaction processing systems according at least one embodiment Schematic diagram.

Figure 1B shows the exemplary embodiment of stored value card.

Fig. 3 A, Fig. 3 B and Fig. 3 C are the front perspective views of the Representative Person proxy card according at least one embodiment.

Fig. 3 D are the front perspective views of the Representative Person digital assistants according at least one embodiment.

Fig. 4 A are described according at least one embodiment by electronic value token transaction computer for creating electronic money Bag will be worth the flow chart that token is added to stored value card or the example process from stored value card redemption value token.

Fig. 4 B are described according at least one embodiment by electronic value token transaction computer for creating electronics Wallet will be worth the flow that token is added to the sub- wallet of electronics or the example process from the sub- wallet redemption value token of electronics Figure.

Fig. 5 shows to be suitable for carrying out the particular machine of some embodiments of the disclosure.

Fig. 6 A-6D are shown according to the sequence of user interface screen of at least one embodiment and prompting.

Specific embodiment

Disclosed herein is that one kind is used to organize, manage, transport, take care of and use and credit card, debit card, loyalty card Efficient, the safe and efficient method of the property of the form of ownership relevant with stored value card, disclosed method includes stored value card (" e wallets ").As shown in Figure 1B, e wallets are a kind of data files for electronically keeping, and it may include checking information, makes With regular, sub- wallet (for example, information for individually keeping relevant with credit card information relevant with debit card and with storage Value blocks relevant information) and electronic value token (for example, relevant with credit card in e wallets/sub- wallet with being included in The electricity of the information information relevant with debit card and the associated monetary value of the information relevant with stored value card and/or other values Subrepresentation).In certain embodiments, as Fig. 6 A-6D reflect, user can create e wallets, be that e wallets set up rule, carry For e wallets, and e wallets are accessed to be conducive to electronic transaction.

As shown in Figure 1A, Fig. 2A -2B and Fig. 4 A-4B, there is disclosed herein a kind of electronic value token transaction processing system, It is user, businessman, seller, publisher, supplier and other shareholders provide it is a kind of for being conducive to being handed in blending Organized in easy, managed, transported, taken care of and using foregoing e wallets and efficient, the safe and efficient system of electronic value token.

As will be described more fully herein, there is basic conception and work(that some are used by e wallets and e wallets enabled systems Energy.The establishment of these concepts including e wallets, e wallets are provided (for example, tangible card is converted into electronic value token and by electronics Value token is associated with e wallets or request is associated electronic value token with e wallets), access e wallets and be e wallets It is regular using setting up.

Additionally, as will be more comprehensively described in detail herein, e wallets e Wallet Providers can manage the full content of e wallets wherein Used in the system of (for example, main e wallets, any sub- wallet or secondary wallet and related electronic value token therein).It is standby Selection of land, e wallets can be used in such a system：Wherein, e Wallet Providers only manage a part (example of the content of e wallets Such as, main e wallets and electronic value token therein), and the management of one or more (or all) sub- wallets or secondary wallet is entrusted Hold in the palm to third-party electronic value token transaction processing system.

As will be further detailed herein, any one can be configured to permission system in the management system described by both User manage completely user e wallets function；Participate in by publisher, seller and/or other electronic value tokens interested party The increment of offer/present plan；Participation changes card activity (for example, wherein user will remain in the electronic value token in its e wallet It is exchanged into the electronic value token not in e wallets)；And participation is had by publisher, seller and/or other electronic value tokens The savings plan that Guan Fang is provided.

Figure 1A shows exemplary electronic value token transaction processing system 100.Specifically, Figure 1A shows to be configured to Electronic value token transaction computer 150, one or more (e.g., the retails of authoring systems 160 communicated with point of sale device 111 Business, bank and credit card) and data storage area 180.Additionally, Figure 1A shows point of sale device 111 and proxy card 200, and (it will Be shown below be represent for for user access e wallets device embodiment) communication and data storage area 180 include E wallets unit 199, e wallets unit 199 includes e wallets 10 again.

Figure 1B shows the stored value card 10 according to one embodiment, and it is to be understood that the details of e wallets 10 can be used for Any one (for example, as e wallet 10 of Figure 1A, Fig. 2A and Fig. 2 B) and the e in various embodiments disclosed herein The maintenance of wallet 10 can completely by single e Wallet Systems (for example, electronic value token transaction processing system 100) perform or Multiple e Wallet Systems can be assigned to (for example, electronic value token transaction processing system 1100 and 1200 and the polymerization of E- wallets Device system 1000).Specifically, Figure 1B shows stored value card 10, and it includes checking information 801, rule 802, electronic value generation Coin 804, the sub- wallet 807 for Credit cards Electronic value token, sub- wallet (have corresponding regular 817 and electronic value generation Coin 827), the sub- wallet 808 (have corresponding regular 818 and electronic value token 828) for debit card electronic value token, And for the sub- wallet 809 (have corresponding regular 819 and electronic value token 829) of stored value card electronic value token.Figure 1A and Figure 1B can further understand from following discussion.

In order to eliminate in tissue, transport, security and ever-increasing complexity in terms of redemption, transactional cards are electronically It is stored as the value token in stored value card.As used herein, value token refers to that can be used to and be ready for example as purchase Bid receives the electronic identifier of side's transaction business of electronic value token.The example of such value token includes stored value card Other physical representations of (also referred to as prepaid card) and various types of values are (for example, credit card, debit card, Gift Card, prepayment electricity Words card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, prepayment or the business for purchasing in advance Product or service etc.) electronic representation or be further associated.In one embodiment, value token includes cash or currency.One In individual embodiment, electronic value token includes credit or debit card or account.In one embodiment, value token includes pre- The account for pre-existing, such as merchant account, bank account etc..In one embodiment, value token include businessman distribution and/ Or credit, integration, reward voucher or the promotion value for receiving.In one embodiment, value token is related to prepaid card or account Connection, and except as otherwise noted, it will be appreciated that various embodiments described herein can in the such as prepaid card of businessman's Gift Card or Realized under the background of account.

The physical representation of physical credit card, debit card, stored value card or other values can be exchanged into value token to be added to Stored value card.For example, physics Gift Card or other value physical representations can by point of sale device, mobile phone, computer, Short Message Service (" SMS ") etc. is converted into the value token in the stored value card of user.Once so conversion, electronic value token Can be redeemed by accessing the stored value card of user during buying by user after the validation, without possessing such as Gift Card Physical representation.So, terms used herein value token refers to electronic representation and can be converted into the physical representation of electronic representation. In at least one embodiment, physics Gift Card fails after conversion.In an alternative embodiment, physics Gift Card is using electricity Sub- wallet or physics Gift Card fail after redeeming electronic value token.

Consumer's use value token is usually directed to seller, redeems businessman or retailer and publisher.In various implementations In example, seller, redemption businessman and publisher can be identical, different or relevant entities.Make purchases worth more token there Or otherwise offer value token is referred to alternatively as seller with the point of sale being included in stored value card.Therefore, seller's sale In itself, but electronic value token can be redeemed electronic value token in another commercial location.Will receive value token for The entity of business transaction (for example, as bid of purchase) is referred to alternatively as redeeming businessman or retailer.For example, grocery store can sell Sell the electronic value token of clothes shop.Grocery store is seller, and clothes shop is redemption businessman or retailer.There is provided to such as prepaying The finance support of given value token and/or the entity of payment processes of card or account are referred to alternatively as publisher.Publisher includes Value token such as with store brand is (for example, by the prepaid card or token with store brand of businessman's invitation to subscribe, sometimes referred to as Be closed loop prepaid card) value token direct issuer, and in certain embodiments, seller can also be publisher and/ Or redeem businessman's (for example, by the distribution of identical businessman, sale and prepaid card or token for redeeming).Publisher also includes such as silver The financial institution of row, VISA, MasterCard, American Express etc., and by the value token of this class authority releases Easily can be received by many redemption businessmans with such as bought transaction (sometimes referred to as open loop prepaid card or token, because For they can be redeemed at many different businessmans).Publisher can also be Google, Facebook, Twitter etc. There is the supplier of the stored value card of brand, and in certain embodiments, such wallet for having brand is comprising related to publisher The value token (for example, Google " cash " or credit, PayPal currency, Facebook electronic money etc.) of connection, and can be with Including the sub- wallet comprising the value token relevant with Gift Card, sub- wallet, bag comprising the value token relevant with credit card Sub- wallet or combinations thereof containing the value token relevant with debit card are associated.

In general, electronic value token transaction computer 150 with the electronics being included in stored value card or sub- wallet Credited or debit's (or taking other measures of type described herein) on the associated account of value token.Electronic value Token transactions computer 150 can generate or forward the message to authoring system 160, with enable authoring system 160 with electrovalence Credited or debit's (or taking other measures of type described herein) on the associated account of value token.Confirmation message is returned Electronic value token transaction computer 150 and POS device 111, and stored value card 10 or sub- wallet are returned to when necessary by more Newly.

In at least one embodiment, Transaction Information and checking information are separated.For example, on bought item, purchasing price, The information in purchase place etc. is counted as Transaction Information and is separated with the checking information of checking token, PIN, account number etc..Remove Other aspects, make information be held apart at allowing individually treatment and route, to provide efficiency and privacy higher.For example, When being worth token according to configurable regular applying electronic, priority can be based on such as following Transaction Information variable：Initiate electricity The physical location of the retailer of sub- wallet request；Trading volume；The type of retailer；Time of day；What day；One middle of the month which Individual week；Which in 1 year in month；Initiate the department of the retailer of stored value card request；Initiate the retail of stored value card request The passage (lane) of business；The mark of inspector；Initiate the parent company of the retailer of stored value card request；It is worth the value of token； And the type that stored value card is asked in various embodiments.Such transaction and/or checking information can be by system knots described herein Rule-based decision-making (for example, the promotion for checking such transaction data to verify and application is associated with transaction) is closed to use, with Realize security purpose (for example, the predetermined overview of control checks such transaction data to help recognize fraud) etc..

In at least one embodiment, Wallet Provider represents buyer, and the redemption of electronic value token is being bought Occur afterwards.However, this time mismatches produces difference in the record of retailer.Specifically, retailer's record is zero Sell the transaction between business and Wallet Provider.Retailer is recorded in the future by being worth the redemption that token is carried out, and is seemed and is not bought. In these cases, it is necessary to the third party keeper being connected with transaction will can be redeemed.

There may be many modes and will be worth token and provide or added to stored value card.For example, user can be value token Paid the bill to seller, and seller can be by the wallet of electronic value token insertion user.Alternatively, user can obtain from seller Obtain the physical representation (for example, card, document, printing receipt etc.) of electronic value token and value then can be increased into electronics Wallet (for example, by phone or user interface of access internet).User can select and sell many different of main association Retailer.In other words, given seller can provide the various tokens being associated from different retailers.For example, retailer can To provide promotion to strive for the business of user when the value token of such as advance account is bought.

Each retailer can specify that the specific form of value token.For example, a retailer can require 16 card numbers Plus 4 month/due date in time.Other retailers can require PIN, access number, card validation value number, card Safety code number etc..Can have different-format and different names for every information of different retailers.Therefore, stored value card is carried Donor or owner (for example, main e Wallet Providers) will be managed with all by the third party of the electronic representation for allowing to be worth token As stored value card, credit card, debit card, loyalty card and promotion card various forms and by main e Wallet Providers management will be more high Other subsets of expensive value token and be benefited.

In one embodiment, the value token being associated with prepaid card or account can be with the sub- wallet in stored value card (for example, sub- wallet for mainly having brand stored value card of such as Google stored value cards) is associated, and third party can generation Table is main/and primary stored value card owner or supplier manage sub- wallet.For example, in the valency for being related to be associated with prepaid card or account During the transaction of value token (for example, electronics or virtual stored value card), the supplier of stored value card allows and such value token phase A part for the sub- wallet control transaction of association, otherwise referred to as son transaction.In one embodiment, sub- transaction includes and electronics The transaction that prepaid card or account are associated, for example, redemption, value increase (for example, additional), activation, closing, identification fraud etc.. Specifically, third party keeper can rapidly and at low cost manage transaction, including but not limited to, it is determined that and/or providing sub The correct format of transaction, and independently and/or with main stored value card owner or supplier coordinate further execution transaction.This Kind of form can be related to given value token include or information/data associated therewith details (for example, the class of card number Type, safety code etc.) and/or the information that is associated with particular transaction or data form (for example, such as Card Type, type of transaction, The characteristic of the data of safety code etc., tissue, packing are waited until in message field or other data forms in treatment transaction / transmission is received simultaneously).For example, correct transaction format module can be passed to main Wallet Provider by third party's management.Extremely In few one embodiment, request of the third party keeper from request or from user determines the body of the retailer being associated with transaction Part mark (identity).Preferably, third party keeper safeguards the number of the multiple transaction forms being associated with multiple retailers According to storehouse.It is determined that after the identity of the retailer being associated with transaction, third party keeper is recognized using form database The associated transaction form of the retailer for being recognized, and all subsequent treatments all using retailer it is distinctive transaction form and Vocabulary is carried out.In one embodiment, user may want to be added to stored value card by token is worth using physics stored value card. User is required for example by positioned at point of sale (point of sale in one embodiment, including with personal computer being associated, example Such as by website online shopping) user interface recognize the retailer being associated with the stored value card.In another embodiment, User provides what is be associated with Stored Value token by based on website or personal digital assistant interface (for example, mobile phone application) Information.Correspondingly, the data for being provided according to user, can quote suitable form, and can be shown to user from database The figure of physics stored value card is represented or other physical models are represented, with the specific input letter being highlighted on physical model Breath.So, user know exactly need input what electronic value token is added to stored value card.From physical model The information of user input can will be changed with correct form and/or further by third party keeper, packed etc. with full The other call format of foot.Although the example is simple but it is also possible to be more complicated transaction.As will be more comprehensively retouched herein State, the relevant transaction of token and (ii) are worth using in main wallet and/or sub- wallet for a part for transaction with (i) For in other types of value token or the value token main wallet of exchange being associated with other retailers and/or sub- wallet Value token is similarly manipulated.For example, user may want to the value token being associated with the retailer that user seldom goes Change the value token being associated with the retailer that user often goes into.Additionally, third party keeper can use and zero for being recognized The financial counting that the transaction form that selling business is associated is concluded the business for transaction or son to advance account note debit and note (for example, borrow Side).In this case, the use of correct transaction form is not only facilitated, and often necessary.

As described above, the sub- wallet of electronics be located at specific e wallets (for example, main wallet or primary wallet) in or therewith The part of the specific restriction of associated e wallets.Sub- wallet can by the keeper of main or primary e wallets, processor and/or Supplier's management/safeguard, or can be by the opposing party, system, processor, subroutine or server admin.The list of the sub- wallet of electronics Solely management allows main e Wallet Providers and user to utilize large-scale production.For example, all electronic value tokens can be stored at one In sub- wallet, while credit card and debit card storage are in main e wallets or the sub- wallet of single electronics.Therefore, main e wallets are carried Donor can manage/perform the transaction on the value token being associated with credit card and debit card in main e wallets, together When allow third party manage/perform on be associated with the electronic value token in the sub- wallet of electronics be worth token friendship Easily, so that third party avoids bank and credit supervision with high costs.Additionally, third party keeper can be by arbitrage, servant Gold, every time transaction paying etc. receive the payment serviced it using large-scale production.

By the independent management of sub- wallet, third party keeper (for example, with the sub- money of the electronics that electronics advance account is associated The keeper of bag) it is both user and main stored value card supplier offer facility.Generally, third party keeper is managed money matters at grasp The knowledge and professional technique (example of other transaction that business reconciliation or the electronics advance account associated with given publisher are associated Such as, it is required transaction form database) sole entity.For example, third party keeper can be can be by retailer's account book Particular transaction match value token or stored value card the specific sole entity for using.As discussed in more detail herein, exist In some embodiments, third party keeper performs, implements and/or is responsible for combination electronic value token transaction computer 150 and describes All or part of function, for example, being managed in the main owner for all stored value cards if any brand stored value card or supplier The sub- wallet of one or more electronics is managed (for example, being prepay with the electronics of the closed loop account for such as representing the distribution of one or more businessmans The associated sub- wallet of electronics of funds on account) background under.

Access to stored value card can be by verifying token or for having secure access to stored value card other means gate Or protection, mobile device of its example including proxy card or personal digital assistant or such as smart mobile phone.Access stored value card Other embodiments include being accessed without cassette, for example, number/password combination, the number etc. without password.Biometric information also may be used For verifying and accessing purpose, such as fingerprint or iris line.Near-field communication technology also can be used to implement to verify token.Near-field communication Technology can be implemented in physical point of sale (pos) or combination online transaction.In either environment, near-field communication technology all can be by user By proxy card (for example, 200,201 or 203), personal computer, personal digital assistant, smart mobile phone 204 or other with it is online The relevant device of transaction is implemented.Therefore, checking token can be tangible, invisible or combinations thereof.In one embodiment In, checking token can generate when electronic transaction starts, create and/or formed to uniquely identify electronic transaction.At one In embodiment, the checking token for uniquely generating may include stored value card identifier, merchant identifier, point of sale identification symbol, electricity Son value token identifier, electronic value token publisher identifier, electronic value token transaction processor identifier or they Combination key element.In another embodiment, the checking token for uniquely generating can be completely unique and not include appointing Any part of what identifier before this.

The example of proxy card shows in Fig. 3 A, Fig. 3 B and Fig. 3 C.Fig. 3 A depict proxy card 200, wherein checking information 211 By means of the barcode encoding that can be read by optical scanner on card 200.Fig. 3 B depict proxy card 201, wherein verifying Information 211 is encoded on the magnetic stripe on card 201.Fig. 3 B depict proxy card 203, and wherein checking information 211 is encoded in card On near field communications chip on 201.In certain embodiments, proxy card can have magnetic stripe and bar code (or multiple magnetic stripes and/or Bar code), and one or more of which can include checking information 211.Proxy card 200,201 and 203 is by suitable One materials such as plastics, paper, the paper for applying plastics, laminates or combinations thereof are made.Proxy card 200,201 and 203 allusion quotations It is manufactured into about 0.005 to about 0.040 inch of thickness range type.Proxy card 200,201 and 203 is loaded with checking information 211, for example, account number, sequence number, authorization code, digital signature, electron key or key code, RFID cores corresponding to e wallets Piece/data etc..Proxy card checking information 211 is unique for proxy card and is associated proxy card with stored value card, and one In individual embodiment, this associated storage is can be by the database of the Admin Access of e wallets.The codified of checking information 211 exists The magnetic stripe as shown in Figure 3 B on bar code as shown in Figure 3A, proxy card 201 on proxy card 200, on proxy card 203 as In a series of near field communications chip, digital, a series of letters or combinations thereof shown in Fig. 3 C.Proxy card 200,201 and 203 can also be designed with the PIN or PIN that will be input into process of exchange, and it corresponds to checking information 211 and allows to visit Ask and/or use stored value card.In one embodiment, PIN codifieds are in bar code, magnetic stripe, a series of digital, a series of words In female or combinations thereof.In one embodiment, PIN can by packaging or by such as can scraping article or peeling label or its The barrier material of combination is covered.In certain embodiments, proxy card may include card safety code (CSC), card test value (CVV or CV2), card test value code (CVVC), card inspection code (CVC), inspection code (V- codes or V codes), card code check (CCV), credit card ID (CCID) or combinations thereof, and this category code is (with any other checking data or order described herein Board is together) mandate or checking transaction paid to the e wallets of purchase-transaction for for example being initiated in point of sale can be combined.

Fig. 3 B depict proxy card 201, and wherein checking information 211 is encoded on the magnetic stripe on card 201.Magnetic stripe can be made Conventional configurations are caused, for example, the construction by paste deposition being positioned on card 201 so that it can be such as It is scanned in the magnetic-strip reading equipment of the Tranz terminals of Verifone manufactures.For extra security, checking information 211 AES can be undergone before being encoded on magnetic stripe.

In at least one embodiment, proxy card 200 includes being positioned at the bar code of proxy card 201, such as UPC code (for example, GS1-128 or UCC/EAN-128) so that the bar code reading device scanning that it can be known.Coding is in proxy card On bar code in be checking information 211 expression.

In other embodiments, a series of digital, a series of letters or combinations thereof can be placed in proxy card 200 On 201, to be read or being interpreted by people or device, described device is optical character identifying device, and it is configured to interpretation correspondence In a series of shapes of packaging label symbol.Virtually or without the as herein described any of cassette checking token, mobile phone etc. Suitable checking token can be used in various embodiments described herein.

In a further embodiment, for example, proxy card 203, near-field communication technology, radio frequency identification (RFID) label, Wei Chu Reason device and/or microchip can be placed on proxy card to be interpreted by the device of concrete configuration.RFID label tag, microprocessor and/ Or microchip can be used except or instead of magnetic stripe 256 on bar code 255 and proxy card 201 on proxy card 200, Huo Zheke It is used in combination with these or other means by checking information coding on proxy card.Alternatively, such RFID or such as near Device (for example, personal digital assistant of such as smart mobile phone) that other means of field, bluetooth etc. can be operated by user use with Stored value card is provided to access and/or authentication function.In one embodiment, the individual of checking token and such as smart mobile phone 204 Digital assistants are associated, as shown in Figure 3 D.For example, storage may include in the phone and/or via the stored value card interviewed by phone Checking token, or phone can include serve as the hardware of checking token and/or the electronic data of uniqueness (for example, such as sequence in itself The checking data of row number, MAC Address, SIM, digital signature, electron key, ID, telephone number, password etc.).It is such Phone can be used near-field communication to be communicated with point of sale device and verify the data that token is associated, for mesh of verifying and conclude the business 's.For example, phone can pass through near point of sale device and using near field communication protocols by user and/or wallet and Checking information is transferred to point of sale device.Phone can by wallet and/or checking information all or part of be transferred to sale Point device, and allow point of sale device to determine which is partly applied to current transaction, or phone can only transmission information it is current Applicable part, i.e. the information that will be used during current transaction.That is, on to/from checking token (for example, phone) and pin The logic for selling the transmission of the wallet and/or checking information of a device may be located on checking device, on point of sale device or both On.In one embodiment, phone can provide the hardware and/or software for verifying user, for example, camera or scanner And the related application of biometric data for confirming to be associated with user, and after verifying the user, phone will into Work(checking conveys to point of sale device.Point of sale device can be with wallet owner or supplier (for example, main e wallets owner) and any Sub- wallet owner or supplier (for example, third party keeper) are communicated.In another example, point of sale device can only with Wallet owner or supplier (for example, main e wallets owner) communicate, and wallet owner or supplier can be with third party keepers (for example, sub- wallet owner or keeper) communicates.Although various configurations allow communication, conclude the business still may be carried out in real time, and Customer is not caused to postpone, because each side uses scalable architecture.

In one embodiment, checking device is proxy card.Although proxy card is not entity card, proxy card is similar to letter Will be helpful to use and access stored value card with the outward appearance of card, debit card and/or stored value card, because customer knows how to use electricity Son value token.Therefore, consumer may regard proxy card as the multiple cards for combining together, or only proxy card regarded as Stored value card in itself, despite physical representation.Checking token can present such as following tangible or invisible embodiment and/or with It is associated：Mobile device, PIN, telephone number add PIN, password, user name encrypted code, bio-identification Identifier etc..Checking token packet contains, provides and/or is associated with checking information (for example, electronically validating data or information), the information User is associated with stored value card.Therefore, multiple value token and users in stored value card (or its sub- wallet) are included in It is associated.

Figure 1A is gone to, electronic value token transaction computer 150 accesses stored value card 10 from data storage area 180.Prepayment Card or stored value card electronic value token may include the electronic representation of Gift Card, loyalty card, promotion etc..POS device 111 is via such as The checking token of smart mobile phone or proxy card 200 obtains checking information and by checking information (and in certain situation from e cafe users Lower rule, for being the content of transaction allocation e wallets asked) with purchase information and/or value token information together as A part for transaction request is sent to electronic value token transaction computer 150.Electronic value token transaction computer 150 is used Correct stored value card 10 or sub- wallet in checking information location data memory block 180 simultaneously act on electronic value token (example Such as, value token is added to main wallet or sub- wallet, activation value token, will value token debt, to value token Additional, inquiry value token remaining sum etc.) or according to request information check rule (it is being received together with request, by electrovalence Value token transactions processing system 100,1100,1200 is associated with e wallets or combinations thereof).For example, being handed over for purchase Easily, electronic value token transaction computer 150 according to rule (for example, applying or redemption value generation with to meet purchasing price The associated rule of the order or priority of coin) select to meet the electronic value token of purchase.

As shown in Figure 2 A and 2 B, electronic value token transaction computer 150 includes rules unit 159.Rules unit 159 Offer receives businessman, electronic value token publisher, e purse transaction system pipes by e cafe users, e Wallet Providers, e wallets Reason person and combinations thereof are provided, selection and/or the treatment of desired e wallets (with sub- wallet) rule, management, associate and Implement function.Rules unit 159 can be used to the rule that will be provided, and select and/or require and be maintained at database 180 and/or e E wallets and sub- wallet in wallet unit 199 are associated.Rules unit 159 may include regulation engine, for derived rule with It is applied to hand in the case of any ad hoc rules in the absence of (or replacement) by any other regular allocation entity offer or selection Easily.Rules unit 159 can be used to insert e wallets/sub- wallet regular data via in the following manner：I () e cafe users are input into (example Such as, via the user interface of self-aided terminal (kiosk), smart mobile phone, personal digital assistant and accessible internet)；(ii) e money Bag supplier's input；(iii) input of e Wallet Systems keeper；Or any combination of them (iv).For example, e cafe users can Specific customized rules are provided to electronic value token transaction computer 150 via the interface of self-aided terminal 189, the rule is advised in detail Surely the electronic value token being included in e wallets should in which way determine priority for meeting transaction.Alternatively, it is same E cafe users can simply choose the rule suitable for e wallets from the option list provided by the display of self-aided terminal 189 Type.Furthermore, it is possible in the presence of such situation, such as in savings situation, some laws, regulation and/or policy requirements are by e Wallet is restricted to the selected transaction (for example, being transferred accounts from special e wallets are saved) of given number of times in a period of time.

In one embodiment, rule can be created and configured to for according to purchase information Optional Value token by user Flow chart.For example, rule may include to be the shop X purchase selections of any amount of money (shop X brand) valency relevant with closed loop Value token, any remaining purchase remaining sum causes selection (credit card Y) value token relevant with open loop such remaining to pay Volume.Alternatively, user can call such rule, its regulation：The electronic value token relevant with open loop do not apply meet with The remaining sum of the relevant electronic value token purchase of closed loop, conversely, the electronic value token relevant with debit card in e wallets Using meeting the remaining sum.Therefore, user can verify token (for example, a proxy card or intelligent hand by means of using one Machine) high efficiency access and the multiple value tokens of application.For example, user can completely using only an entity card (for example, pre- Fu Ka, debit card or credit card) spend time in use all two e-credit from stored value card or sub- wallet, Electronic gift card, electronic coupons.User, retailer, publisher, seller, businessman, advertiser and other each side benefit from and are saved Time about, convenient access, sales promotion machine to multiple value sources (for example, the multiple accounts being associated with various value tokens) Meeting, transaction tracking and the data mining on customer purchasing behavior, promotion and advertising results, in real time/product point selection or purchase Chance, etc..

In another embodiment, rule can by e Wallet Systems supplier (for example, main e Wallet Providers or owner and/ Or secondary e Wallet Providers or owner) set up.When the applicable rule set up in the absence of user (or if according to the e money of user Bag uses the clause of agreement, and the rule by system in specified transaction is defined), e Wallet Systems supplier can set up pass In e wallet rules for distribution.For example, when transaction be related to, be related to or be associated with e Wallet System suppliers branch and/ Or during contract related entities, e Wallet Systems can implement such rule, rule regulation electronic value token transaction computer The electronic value token of 150 e Wallet System supplier Own Brands of the application in the e wallets of user first is asked to meet The transaction asked.Therefore, this rule-like can allow e Wallet Systems supplier and its branch and/or contract related entities maximum Change the income or other operations objective and other cooperative effects used based on e Wallet Systems.

In another embodiment, the rule of e wallets may be designed to automatically instruct electronic value token redemption activity (electricity Son value token is exchanged and will be described in greater detail below).For example, e cafe users can manage e wallets (as example tied herein Close what Fig. 6 A-6D will be described in further detail) so that proper user provides e wallets with full at retail shop (for example, retailer Q) place During electronic value token without retailer's Q brands of foot transaction and e wallets, e wallets will be automatic and start electrovalence in real time The request that electronic value token is exchanged is communicated to electronic value token transaction computer by value token redemption process, wherein e wallets 150.Additionally or alternatively, can to user in real time provide promotion with obtain retailer it is distinctive value token (for example, for The store brand of such as house account is worth the real-time price quotations of token).In this example, e cafe users can manage e wallets, To cause that all electronic value tokens (Gift Card electron-like is worth token) being associated with advance payment service are located at the son specified In wallet, and each in the electronic value token can be placed by prioritization system/specified/specified in sub- wallet In, for example, most preferably electronic value token or token type (for example, #1) arrives least preferred electronic value token or token Type (for example, #22, if there are 22 kinds of electronic value tokens in sub- wallet).For example, the electronic value of retailer's M brands Token can be designated as most preferably, and the electronic value token of retailer's L brands can be designated as it is least preferred.This Outward, in this example, also by instructing the user of e wallets in situations for e wallets are provided with rule：Wherein, e wallets by There is provided to be conducive to the transaction in retailer, wherein electronic value token (e money of the e wallets not comprising any retailer Wrapping will recognize retailer when initial transaction starts based on the information exchanged between e wallets and the communicator of retailer), example The situation of retailer Q as described above, e wallet rules guide e wallets initiate electronic value token redemption request simultaneously it is described please Ask including least preferred electronic value token (that is, the electronic value token (# of retailer L brands in e wallets 22)) and the exchange of preferred electronic value token #21, #20 etc. if necessary, it is sufficient for initial transaction volume for the amount of money Retailer's Q electronic value tokens.After electronic value token redemption request is received, electronic value token transaction computer 150 (it is the one of whole electronic value token transaction processing system 100,1100 or 1200 to exchange program 2000 with electronic value token Part) communicate with realizing that asked electronic value token is exchanged.The electronic value token asked is exchanged and is performed, e wallets Receive the electronic value token (happen to be in and used when carrying out initial transaction) of asked retailer's Q brands, and e wallets to Electronic value token transaction computer 150 surrender (surrender) (or cause it is unavailable, and be only used for modification) retailer's L product The electronic value token of board, it is worth the electronic value generation actually beyond asked retailer's Q brands in this case Coin.Therefore, electronic value token transaction computer 150 is changed according to the electronic value token of the retailer's Q brands for being provided Value (the internal modification or by the hair with the electronic value token of retailer's L brands of the electronic value token of retailer's L brands Row system is communicated with changing) to reflect that value is reduced, extract for the electronic value token of retailer's Q brands to be exchanged into The exchange rate (as will be discussed more fully herein) of the electronic value token of retailer's L brands, Transaction Information is communicated to all Shareholder, and the retailer's L brand's equities token return after value (or causing to can use again) to user will be changed E wallets.In an alternative embodiment, the electronic value token of e wallets is exchanged regular possible it has assumed that e wallets are on positioned at e money The most preferably available exchange rate inquiry electronic value token transaction computer 150 of electronic value token in bag and optimal based on this Exchange rate is exchanged rather than the sequence of electronic value token.

Fig. 2A shows to be worth token transactions processing system 100 according to the exemplary electronic of one embodiment.As illustrated, electric Son value token transactions processing system includes：(a) at least one point of sale device 111；(b) stored value card processing system, for example, Electronic value token transaction computer 150；C () data storage area 180, it includes stored value card unit 199, stored value card unit 199 storages electronic value token (for example, 804,827,828 and 829), such as account number, e-wallet account information, increment reward (herein, " increment reward " is same with " increment bonus ", " prize of increment bonus ", " increment bonus " and " value variance " for condition Justice), and with addition, redeem and the management relevant other information of electronic value token；D () at least one single publisher awards Power system 160；And (e) is included any other unit in systems by electronic value token transaction computer keeper 151. In one embodiment, electronic value token transaction computer 150 includes increment determining unit 153, point of sale (" POS ") interface 152nd, message modification unit 154, reconciliation unit 155, issuer system interface 156, granted unit 157 and taxon 198. In one embodiment, electronic value token transaction computer 150 (or its unit, such as taxon 189) is also converted including token Alias, it can exchange program 2000 and communicate with electronic value token.Pos interface 152 is electronic value token transaction computer 150 provide via such as internet, public switch telephone network (" PSTN ") or independent dedicated network and point of sale device 111 The device for being communicated.Equally, electronic value token transaction computer 150 can be via such as internet, public switch telephone network (" PSTN ") or independent dedicated network are communicated by issuer system interface 156 with the authoring system 160 of publisher. Communication 106,107 between pos interface 152 and point of sale device 111 and awarding in issuer system interface 156 and publisher Communication 109,110 between power system 160 can be encrypted increase security and/or can use Virtual Private Network (" VPN "). Into all kinds can be route with will pass through various modes for traffic class by taxon 198.For example, taxon 198 can be with Identification and classification stored value card and/or the request of sub- wallet (for example, after the authorization message for receiving transaction request, taxon 198 transaction that will can be asked be routed to by the specific stored value card of system maintenance and/or be associated with stored value card one Individual or multiple specific sub- wallets), inquiry into balance request, registration request, activation request, redeem request and management request to be routed to The unit of Fig. 2A.Electronic value token transaction computer 150 or taxon 198 can also generate message to enter based on request The similar route of row.

In fig. 2 as can be seen that point of sale device 111 (be usually located at seller and/or redeem businessman or retailer, But it is alternatively located at self-aided terminal 189 or in user family or office, there, personal computer is configured to act as pin Sell a little, such as during online transaction) place, verifies that token is interpreted by point of sale interpretation unit 101 (for example, card reader).Pin Sell an interpretation unit 101 may include people, barcode scanner, magnetic strip reader, optical character identifying device, biological identification device, Numeric keypad (for example, for being input into token identification number) or other devices, the device are configured to inquire, interpret, capture or defeated The data for entering coding in token is verified or on checking token.

About with the interpretation of checking token simultaneously (or alternatively before or after it), by point of sale (pos) transactions unit 104 Send electronic-purse transaction request.Point of sale (pos) transactions unit 104 may include people, electronic input apparatus, register or terminal, calculating Machine processing unit (" CPU "), personal computer, personal digital assistant (for example, smart mobile phone) or to point of sale interpretation unit 101 and/or point of sale processing unit 105 interpretation content send request or message other devices.In certain embodiments, by The action that point of sale interpretation unit 101 and point of sale (pos) transactions unit 104 are performed can be performed by a unit, and the unit is able to carry out Originally held during network online transaction by the single unit of such as point of sale register/terminal or personal computer Two kinds of capable actions.

Point of sale interpretation unit 101 and point of sale (pos) transactions unit 104 communicate with point of sale processing unit 105.At point of sale Reason unit 105 may include the other types of processing unit of CPU or industry accreditation.Point of sale interpretation unit 101 is by checking information 102 are communicated to point of sale processing unit 105.Point of sale (pos) transactions unit 104 will be communicated to pin to the request 103 of electronic-purse transaction Sell a processing unit 105.Point of sale processing unit 105 can be combined the information with logical with electronic value token transaction computer 150 Letter (for example, the message for asking electronic-purse transaction is sent together with the transaction and/or checking data that are associated).In a reality In applying example, point of sale processing unit 105 is stored and/or receives (or associated from electronic value token transaction computer 150 The SUB ADMINISTRATOR of connection or unit, such as sub- purse manager) transaction form, the form be associated with POS retailer and/or with Given type of transaction and/or value token are associated, and such transaction form can be used to format transaction request or message, With the information for pointing out user other, or sent for other Data Collections or at point of sale/receive feature.For example, in retail The user's operation card reader bought at business.Card reader can be with input unit and bar code reader or magnetic stripe scanning The display of instrument.Card reader can be touch-sensitive and can be with the various buttons for being input into.After card reader prompting, user See the option of " debit card ", " credit card " and " e wallets ".User selects " e wallets ".Then user sees " purchase ", " addition The option of token " and " deletion token ".User selects " purchase ".Additional prompting (its in one embodiment with for pin The transaction form for selling particular retailer a little is relevant) after, user input PIN code.In certain embodiments, interpreted by point of sale The action that unit 101, point of sale (pos) transactions unit 104 and point of sale processing unit 105 are performed can all by a unit (example Such as, the integrated POS device of such as computerization register) perform, the unit is able to carry out being held by single unit originally Capable everything.

Point of sale processing unit 105 can via suitable network (for example, internet, public switch telephone network (PSTN) or Independent dedicated network) it is connected to electronic value token transaction computer 150.Each point of sale processing unit 105 has correlation Identifier (for example, terminal identifier or sequence number), point of sale processing unit 105 can be connected to electronic value generation by it Electronic value token transaction computer 150 is sent to during coin transaction computer 150.Each point of sale processing unit 105 The multiple point of sale (pos) transactions units corresponding to each terminal are may include, these terminals each have the terminal iidentification of their own, example Such as it is present in given store location.

As shown in Figure 2 A, electronic value token transaction computer 150 is configured to：(a) and retailer/businessman and/or sell Main (for example, being accessed or self-aided terminal 189 via point of sale device 111, customer internet), the and of authoring system 160 of publisher Any other entity 190 forms secure connection, and the entity 190 is authorized by electronic value token transaction computer keeper 151 Access electronic value token transaction computer 150；B () communicates with asking and receive value generation with the authoring system 160 of publisher The redemption of coin or to the addition in stored value card；C () communicates related with stored value card to redeem to the authoring system 160 of publisher The electronic value token of connection all or part of；D () generates and safeguards the transaction log 170 of performed all activities；(e) Generate and safeguard the error log 175 of all activities and its reason being not successfully completed；F () is to retailer/businessman and/or seller The redemption of (for example, via POS 111) communication value token is redeemed to addition in stored value card and with value token Any information returned or accompany to the addition in stored value card；And be communicated to for all reasons that transaction can not be completed by (g) Retailer/businessman and/or seller's (for example, via POS 111).

Electronic value token transaction computer 150 may include at single processing unit (for example, the server concentrated), multiple Reason unit (for example, distributed computing system that wherein unit is disperseed and communicated with one another) or combinations thereof, it has Adjoint storage capacity, each storage capacity can or be designed for：Access data storage area 180；Create transaction log 170； Create and safeguard error log 175；For example at point of sale with retailer/businessman and/or sell principal communication, including via internet For online transaction；Communicated with the authoring system 160 of single publisher；Process each value token and stored value card please Ask；Request is redeemed in treatment；Treatment value-added functionality is increasing extra surrender value or increase for (multiple) specific product or clothes The electronics of business redeems reward voucher；Processing please for the redemption that the electronics for (multiple) specific product or service redeems reward voucher Ask；And communicated with other systems 190 communicated with electronic value token transaction computer 150 and can be authorized to.

Data storage area 180 keeps the record of the account being associated with each stored value card, the record to indicate：(a) each Individually whether value token has been added or has redeemed, and whether (b) checking token has been registered；C () each single redemption please The record and details asked, remaining number in (d) electronic value token, the rule needed for (e) redemption electronic value token, (f) The identity of the publisher of electronic value token, (f) increment bonus prize, (g) redeems the rule of increment bonus prize, and (h) Any combination of them.Data storage area can also keep authorizing stored value card or be worth regular needed for token increment bonus is encouraged Record.

Data storage area 180 also keeps the record being associated with each stored value card and/or sub- wallet, the record to indicate： The time of (a) registration activity and other information associated therewith；The time of (b) management activity and other information associated therewith； The time of (c) transaction and other information associated therewith；(e) applicable rule；The hair of (f) electronic value token therein The identity of passerby；The identity of (f) sub- wallet associated therewith；(h) publisher, businessman, seller, advertiser, use Any other record that family or other shareholders are asked；And (i) any combination of them.Although showing individual data Memory block 180, but it is to be understood that can in any suitable manner be divided using multiple data storage areas, and related data Fit in each data storage area to meet various processes described herein and purpose.In addition, various data can be with one or more numbers It is associated according to memory block, one or more of data storage area close-coupleds to and/or be located close to and electronic value token Transaction computer 150 associated one or more subelements, sub-processor, third party's processor etc., and such data Memory block preferably has the data used by such subelement, sub-processor and third party's processor.

Electronic value token transaction computer 150 is further configured to generate and safeguard that being related to electronic value token to conclude the business calculates The transaction log 170 of all activities of machine 150.Transaction log may include the detailed overview of type of transaction, for example：A () is asked Value token increase；B value token sale that () is asked；C value token that () is asked is redeemed；D valency that () is asked Value token is exchanged；E () is attributed to be worth the amount of money of token addition；F () is attributed to be worth the amount of money that token is redeemed；G () is attributed to Value token currency converted value；H () value added on products, product or service increase；I () value added on products, product or service are redeemed；(j) electricity The time of son value token addition；K time that () electronic value token is redeemed；L () enters for addition value token with publisher Capable transaction or communication；M transaction or communication that () is carried out for redemption value token with publisher；N () needs in response to addition The request of input value tokens of the PIN for using and be communicated to the PIN of seller；O () e wallets registration (p) e wallets are set up and are lived It is dynamic；The activity of (q) e purse transactions；(r) e wallet savings activities；(s) e wallet management activities；T the transaction of () electronic value token is calculated Machine keeper 151 indicates any other information that electronic value token transaction computer 150 keeps as journal entry；And (u) Any combination of them.

The information included in transaction log 170 can be used for data mining purpose, for example, to generate account-checking report, clearing report Accuse, pay report, Audit Report, e wallets register report, e wallet managements report, e wallets using report, e wallets save report, Electronic value token purchase report, electronic value token redeem report, electronic value token and exchange report, electronic value token pin The information fusion of report or other forms is sold, so that electronic value token trade management person 151, data storage management person 181st, seller, publisher, the authoring system 160 of publisher, redemption businessman or other shareholders are benefited, are used by it or are It is provided.For example, transaction log 170 is included on being held by electronic value token transaction computer 150 (and its any subassembly) The information of capable each transaction and when reconciliation account belongs at each seller, businessman, publisher and electronic value token transaction Can be used by reconciliation unit 155 during reason system manager.Shareholder can be recorded, analyzes and/or be supplied to (for example, selling Master, businessman, publisher, advertiser etc.) extra data mining Consideration include on following data：(i) e money Wrap the buying habit of user；(ii) electronic value token purchase, sale, redemption and exchange；(iii) sell at a special price and/or value-added activity； (iv) activity relevant with loyalty；And (v) activity relevant with savings, it is all these can be used in marketing, stock and its Its purpose.

The supervision and maintenance of electronic value token transaction computer are held by electronic value token transaction computer keeper 151 OK.Although not required, but in an alternative embodiment, electronic value token transaction computer keeper 151 also acts as data and deposits Storage area keeper 181.Electronic value token transaction computer 150 be configured to generate and safeguard unfinished All Activity and its The error log of reason.In certain embodiments, error log is managed by electronic value token transaction computer keeper 151.

Electronic value token transaction computer 150 is further configured to and is authorized to electronic value token trading processing system Other entities 190 united and be specifically authorized to electronic value token transaction computer 150 communicate.These other entities can Including Third-party payment management system, auditing by third party system, publisher's associated entity, seller's associated entity, redeem businessman or Redeem businessman's associated entity, such as bank, the financial institution of credit card agent or credit cooperative or by electronic value token Transaction computer keeper 151 or other entities for having the right to permit accessing provide any other entity for accessing.

Transaction request from the point of sale device 111 being associated with e wallets or other access points can be comprising the following One or more in information：A () checking information, (b) point-of-sale terminal mark, (c) wants the number of credit or debit, (d) request Time, (e) request date, the mark of (f) publisher, the mark of (g) seller, the place of (h) seller, (i) is bought (multiple) product and/or the mark of (multiple) service, (j) activation or disabling request, (k) wallet management function, for example, value generation The addition of coin, the deletion of value token, the exchange of value token, modification with one or more be worth management that tokens are associated or Rule is processed, wallet is separated into sub- wallet or sub- wallet is merged into wallet, etc., (l) and any combination of them.So And, the information being included in request is not limited to enumerated list, and can be including in addition to cited project or replace with Other projects of upper cited project.

Receiving the request of the electronic-purse transaction from point of sale and the identification as taxon 198 is carried out and dividing After class, electronic value token transaction computer 150 accesses the stored value card unit of data storage area 180.Electronic value token The treatment of transaction computer 150 is included in information in data storage area 180 and leads to the authoring system 160 of single publisher Letter 109,110 is realizing the management of electronic value token and corresponding account.Message modification unit can adjust message and request, with Allow that multiple units, subassembly/processor or third party keeper recognize and correctly interpret message.For example, in electronics After the authoring system 160 of the single publisher that the determination of value token transactions computer 150 is associated with request, message modification Unit 154 accesses database 180 to determine the suitable transaction message format of the authoring system 160 of each single publisher, Then specified using the authoring system 160 of single publisher/preferred transaction form and vocabulary format to it is described individually Publisher authoring system 160 subsequent communications.The mandate of electronic value token transaction computer 150 and single publisher The communication of system 160 can occur or independent generation simultaneously.Electronic value token transaction computer 150 can be via suitable network (for example, PSTN, internet or independent dedicated network) is connected to the authoring system of single publisher.Electronic value token is handed over Easy computer 150 is configured to send and/or receives the state on electronic value token from the authoring system 160 of publisher Communication 110.

Reconciliation unit 155 is to each publisher, sale seller and/or redeems the account of businessman and carries out reconciliation, with various The suitable businessman of value credit and debit of transaction, seller, electronic value token transaction processing system keeper and publisher, from And reflect which entity receives value from which other entity.If for example, the specified gold that seller A sale is issued by publisher B The value token of volume and from user (its by electronic value token added to user stored value card) receive pay, sell seller The percentage (for example, percent retention) of the purchase amount of money and/or predetermined dollar value is received, electronic value token system manager receives The percentage of the purchase amount of money and/or predetermined dollar value is to process transaction, and publisher receives remaining sum.If issued by publisher Y Value token redeemed at businessman X with bought item, then the amount of money of redemption is debiting to publisher Y and credit is to businessman X, subtracts the transaction fee collected by publisher and/or the transaction collected by electronic value token transaction processing system keeper sometimes Or service charge.

When electronic value token transaction computer 150 is also authoring system, granted unit 157 is used so that electrovalence Value token transactions computer 150 authorize stored value card request rather than the authoring system 160 for sending the request to publisher so as to Authorize.Granted unit 157 can perform from the identical and/or different function of being described for authoring system 160, vice versa.

Granted unit 157 will verify what is received from POS processors 105 (or other transaction initiation device/part/processors) The form of e purse transactions request (for example, main wallet or sub- wallet).In other words, granted unit 157 will check the data in request Field is confirming that the field is received in data and data have correct format (for example, length, alphanumeric style).If Request form is incorrect, and granted unit 157 will be refused to ask, or may retrieve correct form (example in certain embodiments Such as, from form database) and transaction request is changed to meet correct format.Granted unit 157 also performs various testing to request Card is checked.Granted unit 157 is based on the Transaction Information relevant with card to the analysis verification of some standards, for example：1) electronics is determined Exist in the data storage area 180 (or other databases, such as database of publisher) of value token transactions processing system 100 The UPC code of product；2) determine that the amount of value of asked transaction corresponds to payment of the customer to theme transaction request, example Such as, whether UPC information card is designated $ 25.00 blocks and the $ 25.00 of corresponding transaction request including customer pays；3) determine Card is designated UPC information the card of the type that can be processed by the businessman that asks；And 4) silver of the card of identification card issuer is determined Row identification number (" BIN ") (that is, the first six digits of the identification number of card) corresponds to the UPC information of identification card issuer.

Other criterion validations that granted unit 157 may be based on such as transactions velocity (number of times/number of unit interval) are handed over Easily.If for example, Card processor worries that multiple invalid transaction are the performances of fraudulent activities, then Card processor can require electronics Value token transactions processing system 100 is monitored the quantity of the invalid transaction of request and exceeds the unit interval of pre-selection from terminal refusal The transaction of invalid trading volume.Finally, granted unit 157 can be configured to understand in the information received by granted unit 157 In the case of refuse transaction request.

If request has correct form and is verified as described above, electronic value token transaction computer 150 can send the details of transaction rather than authorization requests to the authoring system of publisher.In addition, in certain embodiments, Publisher, authoring system (for example, granted unit 157) and transaction computer are a parts for identical entity, and such In embodiment, there will be no the authoring system 160 of publisher, or publisher authoring system 160 will in electronic value (for example, the computing system for co-owning and operating, it can concentrate (example to other units of token transactions computer 150 Such as, a part for the data center of concentration) and/or be distributed in the system or network for co-owning or controlling) common control Under.Moreover, it should point out, although the unit being associated with electronic value token transaction computer 150 is (for example, unit 152- 157) unit in individual data processing system is shown as illustration and conceptual purpose, but unit 152- One or more in 157 can be in a distributed data processing environment single computer, implement in system or service.

Fig. 4 A depict being used by electronic value token transaction computer 150 according to main e purse transactions Processing Example With the example process for being conducive to using stored value card to buy.Such embodiment can process request and illustrate by e purse transactions, The request is initially received and subsequent execution by electronic value token transaction processing system 100.The action described can be with shown time Sequence is performed in different order, and act in two or more can executed in parallel.

In block 302, electronic value token transaction computer 150 receives one or more requests from point-of-sale terminal.Extremely In few one embodiment, request may include electronic-purse transaction request, inquiry into balance request, registration request, activation request or redeem Return hospitality ask, wallet management is asked, and comprising one or more in following：The identity (identity) of (a) terminal, (b) checking information, the amount of money of (c) purchase, the identity of (d) electronic value token publisher, the identity of (e) seller, The identity in (f) place, (g) request time, (h) request date, (i) will ask clearly be designated e purse transactions please The information (for example, type of transaction data) asked；J () identifies the information of main e wallets, (multiple) sub- wallet or combinations thereof； (k) any other transaction as herein described and/or checking data；And (l) any combination of them.Request at frame 302 May include type for example described herein, in addition to project listed above or replace project listed above other information, Request or function.In at least one embodiment, checking information is based on the checking token selected from proxy card and cell phone.Utilize The identity of electronic value token publisher, transaction can be properly formatted with logical with electronic value token publisher Letter.

Stored value card is included in using from point of sale device 111 and/or from what the information for deriving from data storage area 180 was received Information in transaction, in block 304, electronic value token transaction computer 150 determines whether request is to include effect card letter Whether the stored value card request and request of breath are worth the addition of token, (many for the redemption of token of (multiple) value, (multiple) It is individual) value token deletion or stored value card management.Stored value card request may include being located at as a checking information part Bank identification number (" BIN ") on proxy card.Taxon can decode BIN numbers or otherwise checking request is No is stored value card request.

Stored value card is included in using from point of sale device 111 and/or from what the information for deriving from data storage area 180 was received Information in transaction, in frame 324, electronic value token transaction computer 150 recognizes/determines main e wallets, (multiple) sub- wallet And/or pointed/required e wallets or the place of (multiple) sub- wallet, to realize that received e purse transactions please Ask.If the authorization message for receiving shows that asked e purse transactions are related to be safeguarded by electronic value token transaction computer 150 Main e wallets, sub- wallet or combinations thereof, then electronic value token transaction computer 150 can be with：I () is by their own Logic application to request；(ii) rule in main wallet is applied storage in (for example, by electronic value token transaction processing system pipe The rule that reason person, main e cafe users or combinations thereof are set up)；(iii) apply storage in sub- wallet rule (for example, The rule set up by electronic value token transaction processing system keeper, sub- cafe user or combinations thereof)；(iv) apply By asking the rule from the reception of point of sale 111 (for example, the rule submitted to request by the user of main e wallets/sub- wallet simultaneously Then)；(v) or any combination of them.

For example, one embodiment may include to determine the electricity that whole request is relevant with the value token being included in main e wallets Son value token transactions computer 150.Upon receipt of the request, electronic value token transaction computer 150 will inquire about its mandate Unit 157 (as described in more fully herein), its data storage area 180, e wallets unit 199 and any other necessary unit, With determine main e wallets whether include disclosure satisfy that theme ask value token (for example, main e wallets whether include with ask The associated value token of relevant seller, businessman and/or publisher of concluding the business asked).This determination can be by comparing electrovalence Value token mark, ID, the type of transaction of request are carried out.Electronic value token transaction computer 150 will be with post-evaluation pair Should in the main e wallets of the request available electronic value token will according to main e wallets rule and/or with request receive rule The mode then applied, and perform or the asked transaction of refusal execution and/or multiple transaction.

Another embodiment may include to determine the electrovalence that whole request is relevant with the value token being included in sub- wallet Value token transactions computer 150.Upon receipt of the request, electronic value token transaction computer 150 will inquire about its granted unit 157 (as described in more fully herein), its data storage area 180, e wallets unit 199 and any other necessary unit, with true Stator wallet whether include disclosure satisfy that theme request value token (for example, sub- wallet whether include with the friendship asked Easily relevant seller, the associated value token of businessman and/or publisher).This determination can be by comparing electronic value token Mark, ID, the type of transaction of request are carried out.Electronic value token transaction computer 150 will correspond to post-evaluation should The rule application that available electronic value token will be received according to the rule of sub- wallet and/or with request in the sub- wallet of request Mode, and perform or the asked transaction of refusal execution and/or multiple transaction.

In another example, one embodiment may include electronic value token transaction computer 150, and its determination is entirely concluded the business A part for request is relevant with the electronic value token in the main e wallets, and a part for transaction request be located at (multiple) Electronic value token in sub- wallet is relevant.This determination can be by evaluating asked type of transaction, electronic value token mark Know or carried out for determining any other method of transaction allocation.Electronic value token transaction computer 150 will evaluate correspondence Available electronic value token (will can influence according to the rule of main e wallets because of these rules in the main e wallets of the request In main e wallets by using method of payment) application by the way of, electronic value token transaction computer 150 will evaluate it is right Should in any applicable sub- wallet of the request available electronic value token by according to such sub- wallet rule and/or with The mode of the rule application that request is received, and execution or refusal perform asked transaction and/or multiple transaction.

In one exemplary embodiment, at frame 324, electronic value token transaction computer 150 can be in response to connecing The transaction request of receipts recognizes one or more the electronic value generations in one or more value tokens and sub- wallet in main e wallets Coin, these value tokens will be enough to pay the e purse transactions all asked when using together.Additionally, be located at main e wallets or One in electronic value token in sub- wallet can be the electronic representation of loyalty card, and be worth generation positioned at the loyalty card Another electronic value token in the identical or different place of coin can be the electronic representation of the Gift Card of retailer.Such In example, electronic value token transaction computer 150 can be realized using " loyalty card " token and the " gift of retailer simultaneously Card " token, regardless of whether place of the token in main e wallets and/or (multiple) sub- wallet how, is incited somebody to action during allowing different The value of " Gift Card of retailer " token and " loyalty card " token is applied to the increased user's benefit of exchange, for example, " zero Sell the Gift Card of business " value of token or it is applied to point of " loyalty card " token for " Gift Card of retailer " token 5% increase in bonus.

Value token can be associated with closed loop account or open loop account.Fund of the closed loop account generally in account is finished it It is expired afterwards, such as Gift Card account.Open loop account is not generally expired.Conversely, generally there is each entity credit and debit account Lasting obligation, for example, the credit card account or debit-card account that have brand of such as Visa or Mastercard.Closed loop account Family is usually directly associated with retailer, and open loop account is usually associated (for example, Chase or Citi distribution with financial institution Visa).In at least one embodiment, electronic value token includes closed loop account number and open loop account number.Closed loop account number with can The retailer of the closed loop account that debit or credit are associated with the closed loop account number is associated.Open loop account number with being capable of debit or credit The financial institution of the open loop account being associated with the open loop account number is associated.Electronic value token can have different from any other It is worth the expiration date of token or the use date of regulation.And, electronic value token can be recognized can use electronic value The specific businessman of token, place, and/or product.

If request is directed to value token addition, then in frame 306, stored value card is created (if not yet creating) And electronic value token is added to stored value card.Following form is included in being communicated including e purse transactions and by electricity Son value token transactions processing system 100 uses to facilitate and realize key element, parameter and the information of e purse transactions.

Table 1A shows the required parameter asked to create wallet at least one embodiment.Table 1B is shown at least The response parameter asked to create wallet in one embodiment.

Table 1A

Required parameter

Table 1B

Response parameter

Key element	Data type	Title
			accountid	Character string	The unique identifier of account
accounttype	Character string	The type of account.
			currency	Character string	Denomination type.
balance	The decimal system	Available balance in account
			uniqueidentifier	Character string (numerical value)	Recognize the unique identifier of transaction.
code	Character string	The state of the transaction asked.
			description	Character string	The state description of the transaction asked.

Electronic value token transaction computer 150 is preferably stored value card and (multiple) value token distribution memory simultaneously And by information segment stored in data structure on data storage area 180 and by account number and stored value card and/or storage Checking information in stored value card unit 199 is associated.Table 2 shows that being used for Gift Card at least one embodiment is worth generation The parameter of coin.

Table 2

Table 3 shows to be used for the more detailed parameter of Gift Card electronic value token in an alternative embodiment, including related The title of (multiple) wallet and/or (multiple) sub- wallet.

Table 3

However, request can be changed and as reconciliation process due to other reasons unrelated with addition token decision-making A part be transmitted to suitable one in the authoring system 160 of publisher, for example, request may relate to redeem, delete, again Loaded value, value added, inquiry into balance or combinations thereof, each of which will be communicated to the authoring system 160 of publisher with Carry out reconciliation.

Table 4 shows the form for verifying communication.

Table 4

Each request uses signature verification, and user verifies that session is made using user using usemame/password or open id Board is verified.Customer end can send client_ref_id, timestamp, nonce, encryption_type, channel, User_ip, alternatively signature, usertoken, wherein each request are able to verify that each message.

Table 5 shows the parameter of the wallet for retrieving user.

Table 5

Key element	Data type	Explanation
			accountid	Character string	The unique identifier of account
accounttype	Character string	The type of account.
			currency	Character string	Denomination type.
balance	The decimal system	Available balance in account
			code	Character string	The state of the transaction asked.
description	Character string	The state description of the transaction asked.

Table 6A is shown for the required parameter from the token redemption value in wallet.

Table 6A

Required parameter

Table 6B is shown for the response parameter from the token redemption value in wallet.

Table 6B response parameters

Key element	Data type	Suggestion length	Explanation
				accountid	Character string	100	The unique identifier of account
accounttype	Character string	50	The type of account.
				currency	Character string	3	Denomination type.
balance	The decimal system	It is inapplicable	Available balance in account
				uniqueidentifier	Character string	12	The unique identifier of transaction.
code	Character string	7	The state of the transaction asked.
				description	Character string	500	The state description of the transaction asked.

Table 7A shows the required parameter for will be worth during token is loaded into wallet.

Table 7A

Required parameter

Table 7B shows the response parameter for will be worth during token is loaded into wallet.

Table 7B

Response parameter

If request is redeemed for being worth token, then in frame 308, electronic value token transaction computer 150 is visited Ask the stored value card that determination is associated with checking information before this and the rule that inspection is associated with stored value card.At least one In embodiment, check that rule includes that inspection can be by the priority of the value token of user configuring.For example, user may like using Any closed loop corresponding to the retailer for initiating purchase request is worth token.If do not find any closed loop value token or If token not enough pays purchase, then user may be ready to be worth token using open loop to pay remainder.Due to these Preference, closed loop value token may be respectively provided with the priority higher than open loop value token.In open loop value token, Yi Zhongke Can be prior to another kind.For example, user likes paying any remainder rather than debit card with credit card.At least one In embodiment, user can be configured these rules by internet or Mobile solution and this priority is saved as into acquiescence Preference.In an alternative embodiment, user in POS device (for example, selling in such as checkout aisle, client service center or self-aided terminal Main or retailer place) place's selection electronic value token to be being applied to stored value card request.Therefore, electronic value token bag is selected Value token of the selection with limit priority is included, these value tokens will enough pay the purchase amount of money when using together. As can be seen that a purchase-transaction has been split into two redemptions in example, the efficiency without reducing purchase.Similarly, one Or multiple electronic-purse transactions can be split into two or more transaction, without reducing efficiency.In one embodiment, at least One electronic value token and closed loop advance account (for example, electronics prepayment, gift or stored value card) are associated, and with main wallet Associated rule causes the son transaction that the third party keeper by being associated with sub- wallet is processed.

In at least one embodiment, check that rule includes checking the stored value card that different value tokens should be applied to The percentage of request, and wherein applying electronic value token includes electronic value token is applied into electronic money according to percentage Bag request.In a block 310, electronic value token transaction computer 150 is then based on the value generation in rule selection stored value card Coin, these value tokens will meet stored value card when using together asks.For example, user can cause that each is purchased with configuration rule Buy and equably split between two credits card.Therefore, selection electronic value token includes that selection splits purchase between them Two open loop tokens of the amount of money.Similar to above-mentioned example, efficiency is maintained, because using single checking token in point of sale (for example, only proxy card or mobile device), rather than two credits card corresponding to electronic value token.Other rule can be implemented Then, and these rules can each other with it is various arrangement and be applied in combination.Electronic value token transaction processing system may be based on The information sent in stored value card request implements " if-so " rule.For example, the purchase in gas station can cause gasoline to be believed Token selection, etc. is worth with card.In such embodiments, electronic value token computer 150 can inquire about main e wallets 10 And/or sub- wallet 807 (for example, for credit-card type electronic value token), 808 for debit card electron-like (for example, be worth generation Coin) and 809 (for example, for stored value card electron-like be worth tokens) rule 802,817,818 and 819 and based on including transaction The transaction request information of type (for example, in purchase of gas station) determines to be main e wallets 10 and/or sub- wallet 807,808 and 809 rules set up require that type of transaction is asked first with the first electronic value token type (for example, the electricity relevant with gasoline card Son value token 829) meet, and do not include meeting whole transaction in main e wallets 10 and/or sub- wallet 807,808 and 809 In the case of first value token type of enough numbers of request, electronic value token computer 150 can use the second electronics Token type (for example, electronic value token 828 relevant with debit card) is worth to meet the remainder of transaction request.

Electronic value token is also applied to stored value card request by electronic value token transaction computer 150.By electronics Value token be applied to request when, electronic value token transaction computer 150 can generate and send debit and credit's message so that Performed on the account managed by retailer and financial institution with suitable account number, or when electronic value token transaction computer During with such administration authority, electronic value token transaction computer 150 can directly credit or debit account.

In at least one embodiment, the modification of electronic value token transaction computer 150 request is (for example, using required Form) and the request changed is transmitted to the authoring system 160 of one of them suitable publisher, the system receives asking for modification Ask and operate on it, for example, authorize and/or process request being deposited with redeeming electronic value token and correspondingly updating the data Storage area.In at least one embodiment, authoring system 160 is not asking receiving area identical place with stored value card.For example, such as The request of fruit stored value card is received from retail shop, then authoring system may be possessed and be operated by retailer, but may not At retail shop.Conversely, authoring system is likely located at such as data center.Therefore, retail shop and retailer are usual not Need to know some or all contents in wallet.In at least one embodiment, retail shop may not even be aware that there is electronics Wallet, because it only just knows that some Trading Authorization action has been communicated to its point of sale (for example, the swiping the card of proxy card, individual number Word assistant and point of sale device interact, PIN or other authorization activities are input on the keypad of point of sale).In other words, Compared to traditional physical payment (physical tender), accessed in point of sale and the use of e wallets is seamless, and be not required to The action of any special or customization is wanted, to process transaction.The authoring system 160 of publisher sends the response message back to electronics Value token transactions computer 150.Electronic value token transaction computer 150 performs the authoring system 160 of publisher wherein Function alternative in, the method directly can proceed to frame 314 from frame 306 or 310.

In frame 312, the authoring system for suitable publisher therefrom of electronic value token transaction computer 150 160 receive confirmation message.At frame 314, electronic value token transaction computer 150 updates stored value card unit 199 and data Stored value card in memory block 180 is activated with reflecting stored value card, and reflects any borrowing of (multiple) electronic value token Note, credit, addition are deleted.Fig. 6 A-6D show sequence of user interface screen and prompting at least one embodiment.Example Such as, user can see when the stored value card of user is managed by being connected to the computer and/or self-aided terminal 189 of internet The prompting of diagram.

In frame 316, transaction log 170 can be updated to record on transaction by electronic value token transaction computer 150 Details.The details recorded in transaction log may include：A the type, time and date of () transaction, whether (b) stored value card It is activated, (c) the reason for stored value card is not activated when request is rejected, the credit of (d) (multiple) electronic value token, borrows Note, addition are deleted, the regular change that (e) is associated with (multiple) electronic value token, the identity of (f) seller, (g) The identity of publisher, the place of (h) seller, the identity of the terminal of (i) addition electronic value token, (j) authorizes electricity The identity of the entity of son value token, and (k) any combination of them.Transaction log may include except listed above Outside project or instead of their other information (for example, transaction and/or checking data).

In framework 318, then electronic value token transaction computer 150 will confirm that message is forwarded to point of sale device 111.Before it will confirm that message is forwarded to point of sale device 111, electronic value token transaction computer 150 can such as basis Need change confirmation message, with including that can be printed upon on the receipt to customer and/or be operation point of sale device 111 salesman Information over the display is presented.At frame 320, electronic value token transaction computer 150 is to each seller, businessman, distribution Person, electronic value token transaction processing system keeper and the distribution with electronic value token, sale, redemption and marketing have The account of other entities for closing carries out reconciliation, and with debit and the suitable account of credit, and initiation belongs in certain embodiments Fund between the suitable bank account of each entity is transferred accounts.Alternatively, the reconciliation of account can be carried out periodically (for example, every It is once, once in a week, monthly, etc.), rather than after the trade.In such embodiments, from transaction log 170 information can be used to carry out reconciliation to the sale of various value tokens or each involved entity of redemption, so as to need to draw The fund for sending out less is transferred accounts.In one embodiment, the information in transaction log 170 is used for match trading etc..For example, will come from The All Activity packet of given place or given businessman, or to type of transaction packet (for example, credit, debit etc.).Various In embodiment, the description of event order can change, such that it is able to by any desired order, sequentially or simultaneously carry out.

Fig. 2 B show the exemplary electronic value token transaction processing system 1100 according to one embodiment, wherein, electricity Sub- wallet processing system includes electronic value token transaction computer 150, and it serves as the sub- purse transaction processor of electronics, and such as It is integrated by the main electronic-purse transaction processor shown in E- wallet polymerizers system 1000.E- wallet polymerizers system 1000 can Have and the identical function of electronic value token transaction computer described herein 150, ability, database to be further appreciated that Access, networking connection and functional unit, and in certain embodiments, electronic value token transaction computer 150 and its correlation Part (for example, electronic value token transaction processing system 100) may act as or replace E- wallet polymerizers system 1000.At one In embodiment, E- wallet polymerizers system 1000 can control by one or more public entities, safeguard, operate, possessing and/or Otherwise manage, the entity is controlled, safeguarded, operating, possessing and/or otherwise the transaction of management electronic value token is counted Calculation machine 150, i.e. main electronic-purse transaction processor and the sub- purse transaction processor of electronics share public controller, guardian, Operator, the owner and/or manager.In one embodiment, E- wallets polymerizer system 1000 can be by one or more realities Body is controlled, safeguards, operates, possesses and/or otherwise managed, the entity with control, safeguard, operating, possessing and/or with it Its mode manages one of electronic value token transaction computer 150 and/or multiple entities are independent, different and/or unrelated, i.e. Main electronic-purse transaction processor and the sub- purse transaction processor of electronics do not share public controller, guardian, operator, institute The person of having and/or manager.As illustrated, when being worked with the sub- purse transaction processing capacity of electronics, at electronic value token transaction Reason system 1100 includes：(a) electronic value token transaction computer 150；(b) E- wallet polymerizers system interface 1052；(c) number According to memory block 180, it includes stored value card unit 199, the storage of stored value card unit 199 electronic value token (for example, 804, 827th, 828 and 829), for example account number, e-wallet account information, increment bonus requirements (herein, " increment reward " with " increase Value bonus ", " increment bonus prize ", " increment bonus " and " value variance " it is synonymous), and describe in detail herein with add, Redeem the other information relevant with management electronic value token；(d) at least one single publisher's authoring system 160；And E () is included any other unit in systems by electronic value token transaction computer keeper 151.In one embodiment In, electronic value token transaction computer 150 includes increment determining unit 153, E- wallet polymerizer system interfaces 1052, message Modification unit 154, reconciliation unit 155, issuer system interface 156, granted unit 157 and taxon 198.E- wallets are polymerized Device system interface 1052 is that electronic value token transaction computer 150 is provided via such as internet, public switch telephone network The means that (" PSTN ") or independent dedicated network communicate with E- wallet polymerizers system 1000.Equally, electronic value token is handed over Easy computer 150 can pass through publisher via such as internet, public switch telephone network (" PSTN ") or independent dedicated network System interface 156 is communicated with the authoring system 160 of publisher.It is poly- in E- wallet polymerizers system interface 1052 and E- wallets Communication 116,117 between clutch system 1000 and between the authoring system 160 of issuer system interface 156 and publisher Communication 109,110 can be encrypted increase security and/or Virtual Private Network (" VPN ") can be used.Taxon 198 can It is route with will pass through various modes into all kinds with by traffic class.For example, taxon 198 can recognize and classify sub- money Bag request is (for example, after the authorization message for receiving transaction request, the transaction that taxon 198 will can be asked is routed to The sub- wallet of specific electronics and/or one or more specific parts for being maintained in the sub- wallet of the electronics by system maintenance), remaining sum Inquiry request, registration request, activation request, redemption ask and manage request to be routed to the unit of Fig. 2 B.Electronic value Token transactions computer 150 or taxon 198 can also generate message to carry out similar route based on request.

In fig. 2b as can be seen that point of sale device 111 (be usually located at seller and/or redeem businessman or retailer, But it is alternatively located at self-aided terminal 189 or in user family or office, there, personal computer is configured to act as pin Sell a little, such as during online transaction) place, verifies that token is interpreted by point of sale interpretation unit 101 (for example, card reader).Pin Sell an interpretation unit 101 may include people, barcode scanner, magnetic strip reader, optical character identifying device, biological identification device, Numeric keypad (for example, for being input into token identification number) or other devices, the device are configured to inquire, interpret, capture or defeated Enter coding verify token in or on data.

About with the interpretation of checking token simultaneously (or alternatively before or after it), by point of sale (pos) transactions unit 104 Send electronic-purse transaction request.Point of sale (pos) transactions unit 104 may include people, electronic input apparatus, register or terminal, calculating Machine processing unit (" CPU "), personal computer, personal digital assistant, smart mobile phone or to point of sale interpretation unit 101 and/ Or the content of the interpretation of point of sale processing unit 105 sends other devices of request or message.In certain embodiments, by point of sale The action that interpretation unit 101 and point of sale (pos) transactions unit 104 are performed can be performed by a unit, the unit be able to carry out it is original by The such as single unit of point of sale register/terminal or personal computer performed during network online transaction two Plant action.

Point of sale interpretation unit 101 and point of sale (pos) transactions unit 104 communicate with point of sale processing unit 105.At point of sale Reason unit 105 may include the other types of processing unit that CPU or industry accreditation are used.Point of sale interpretation unit 101 will be verified Information 102 is communicated to point of sale processing unit 105.Point of sale (pos) transactions unit 104 will communicate to the request 103 of electronic-purse transaction To point of sale processing unit 105.Point of sale processing unit 105 can be combined the information and be communicated with E- wallet polymerizers system 1000 (for example, the message for asking electronic-purse transaction is sent together with the transaction and/or checking data that are associated).In an implementation In example, point of sale processing unit 105 is stored and/or received and comes from (or the son associated therewith of E- wallet polymerizers system 1000 Keeper or unit, such as sub- purse manager, such as electronic value token transaction computer 150) transaction form, the form It is associated with POS retailer and/or is associated with given type of transaction and/or value token, and such transaction form can For formatting transaction request or message, with the information for pointing out user other, or for other Data Collections or at point of sale Send/receive feature.For example, operating card reader in the user that retailer is bought.Card reader can be that there is input to fill Put the display with bar code reader or magnetic stripe scanner.Card reader can be touch-sensitive and can have various for what is be input into Button.After card reader prompting, user sees the option of " debit card ", " credit card " and " e wallets ".User selects " e money Bag ".Then user sees the option of " purchase ", " addition token " and " deletion token ".User selects " purchase ".Carried in additional Show after (it is related to the transaction form of the particular retailer for point of sale in one embodiment), user input PIN code. In some embodiments, by moving that point of sale interpretation unit 101, point of sale (pos) transactions unit 104 and point of sale processing unit 105 are performed Work can be performed all by a unit (for example, integrated POS device of such as computerization register), and the unit can Perform the original everything performed by single unit.

Point of sale processing unit 105 can via suitable network (for example, internet, public switch telephone network (PSTN) or Independent dedicated network) it is connected to E- wallet polymerizers system 1000.Each point of sale processing unit 105 has related mark Symbol (for example, terminal identifier or sequence number), point of sale processing unit 105 can be connected to E- wallet polymerizer systems by it E- wallet polymerizers system 1000 is sent to during 1000.Each point of sale processing unit 105 may include to correspond to each Multiple point of sale (pos) transactions units of terminal, these terminals each have the terminal iidentification of their own, for example, be present in given shop In place.

As shown in Figure 2 B, E- wallets polymerizer system 1000 is configured to：(a) and retailer/businessman and/or seller's (example Such as, via point of sale device 111), the authoring system 160 of electronic value token transaction computer 150 and publisher form safety Connection；(b) communicated with the authoring system 160 of publisher with ask and receive value token redemption or to adding in stored value card Plus；C () communicates with redeeming the whole or of the electronic value token being associated with stored value card with the authoring system 160 of publisher Part；D () communicates with facilitating on positioned at by electronic value token trading processing system with electronic value token transaction computer 150 The transaction of the value token in the sub- wallet of electronics that system 1100 is safeguarded；(e) and retailer/businessman and/or sell principal communication (for example, Via POS 111) it is worth the redemption of token or to the addition in stored value card and the redemption with value token or to electronics Any information that addition in wallet and/or sub- wallet is accompanied；And be communicated to for all reasons that transaction can not be completed by (f) Retailer/businessman and/or seller's (for example, via POS 111).

Electronic value token transaction computer 150 may include at single processing unit (for example, the server concentrated), multiple Reason unit (for example, the distributed computing system with the various units for being disperseed and being communicated with one another) or combinations thereof, its tool There is adjoint storage capacity, each storage capacity can or be designed for：Access data storage area 180；Create transaction log 170；Create and safeguard error log 175；Communicated with E- wallet polymerizers system 1000；With the authoring system of single publisher 160 communications；Process each value token and stored value card request；Request is redeemed in treatment；Treatment value-added functionality is extra to increase Surrender value increases for (multiple) specific product or the electronics of service redemption reward voucher；Treatment is specific for for (multiple) Product or the electronics of service redeem the redemption request of reward voucher；And calculated with can and be authorized to be concluded the business with electronic value token Other systems 190 of the communication of machine 150 communicate.

Data storage area 180 keeps the record of the account being associated with the sub- wallet of each electronics, the record to indicate：A () is every Whether individual single value token has been added or has redeemed, and whether the checking token that (b) is used for each value token has been registered； C () each individually redeems record and the details asked, remaining number in (d) electronic value token, (e) redeems electronic value Rule needed for token, the identity of the publisher of (f) electronic value token, (g) increment bonus prize, (h) redeems increment prize The rule of gold medal, and (i) any combination of them.Data storage area can also keep authorizing stored value card or value token rises in value Regular record needed for bonus prize.

Data storage area 180 also keeps the record being associated with each stored value card and/or sub- wallet, the record to indicate： The time of (a) registration activity and other information associated therewith；The time of (b) management activity and other information associated therewith； The time of (c) transaction and other information associated therewith；(d) applicable rule；The hair of (e) electronic value token therein The identity of passerby；The identity of (f) sub- wallet associated therewith；(g) publisher, businessman, seller, advertiser, use Any other record that family or other shareholders are asked；And (h) any combination of them.Although showing individual data Memory block 180, but it is to be understood that can in any suitable manner be divided using multiple data storage areas, and related data Fit in each data storage area to meet various processes described herein and purpose.In addition, various data can be with one or more numbers It is associated according to memory block, one or more of data storage area close-coupleds to and/or be located close to and electronic value token Transaction computer 150 associated one or more subelements, sub-processor, third party's processor etc., and such data Memory block preferably has the data used by such subelement, sub-processor and third party's processor.

The information included in transaction log 170 can be used for data mining purpose, for example, to generate account-checking report, clearing report Accuse, pay report, Audit Report, e wallets register report, e wallet managements report, e wallets using report, e wallets save report, Electronic value token purchase report, electronic value token redeem report, electronic value token and exchange report, electronic value token pin The information fusion of report or other forms is sold, so that electronic value token trade management person 151, data storage management person 181st, E- wallets polymerizer system 1000 (for example, for be communicated to seller or other purposes), seller, publisher, publisher Authoring system 160, redemption businessman or other shareholders are benefited, are used by it or for it is provided.For example, transaction log 170 Comprising on performed by electronic value token transaction computer 150 (and its any subassembly) each transaction information and work as Reconciliation account belong to each E- wallet polymerizers system 1000 for being associated with seller, businessman, publisher and not with E- wallets The associated seller of polymerizer system 1000, businessman and publisher and also electronic value token transaction processing system keeper Can be used by reconciliation unit 155 when 151.Shareholder can be recorded, analyzes and/or be supplied to (for example, seller, businessman, hair Passerby, advertiser etc.) extra data mining Consideration include on following data：The purchase of (i) e cafe users Buy custom；(ii) electronic value token purchase, sale, redemption and exchange；(iii) sell at a special price and/or value-added activity；(iv) with integration Relevant activity；And (v) activity relevant with savings, it is all these to can be used in marketing, stock and other purposes.

Electronic value token transaction computer 150 is further configured to and is authorized to electronic value token trading processing system Other entities 190 united and be specifically authorized to electronic value token transaction computer 150 communicate.These other entities can Including E- wallet polymerizers system 1000, Third-party payment management system, auditing by third party system, publisher's associated entity, sell Main association entity, redemption businessman redeem businessman's associated entity, the finance of such as bank, credit card agent or credit cooperative Mechanism provides appointing for access by electronic value token transaction computer keeper 151 or other entities for having the right to permit accessing What his entity.

In one embodiment, the transaction request from E- wallet polymerizers system 1000 can be comprising in following information One or more：(a) checking information, (b) point-of-sale terminal mark, (c) want the number of credit or debit, the time that (d) is asked, E on the date of () request, the mark of (f) publisher, the mark of (g) seller, the place of (h) seller, (multiple) that (i) is bought is produced Product and/or the mark of (multiple) service, (j) activation or disabling request, (k) wallet management function, for example, being worth adding for token Plus, the deletion of value token, the exchange of value token, modification and one or more management for be associated of value tokens or process advise Then, wallet is separated into sub- wallet or sub- wallet is merged into wallet, etc., (l) and any combination of them.However, comprising Information in request is not limited to enumerated list, and can be including in addition to cited project or instead of enumerated above Project other projects.

Receiving the request of the electronic-purse transaction from E- wallet polymerizers system 1000 and carried out by taxon 198 After such identification and classification, electronic value token transaction computer 150 accesses the stored value card list of data storage area 180 Unit.The treatment of electronic value token transaction computer 150 be included in information in data storage area 180 and with single publisher Authoring system 160 communicate 109,110 to realize the management of electronic value token and corresponding account.Message modification unit can be adjusted Whole message and request, so that obtaining, multiple units, subassembly/processor or third party keeper can recognize and correctly interpretation disappears Breath.For example, the authoring system of the single publisher for determining to be associated with request in electronic value token transaction computer 150 After 160, message modification unit 154 accesses database 180 to determine the suitable of the authoring system 160 of each single publisher Transaction message format, then specified using the authoring system 160 of single publisher/preferred transaction form and vocabulary lattice Subsequent communications from formula to the authoring system 160 of the single publisher.Electronic value token transaction computer 150 also can be by Suitable message transmission format information such as template is supplied to E- wallet polymerizers system 1000, to facilitate the system pair with request The treatment of relevant information.Electronic value token transaction computer 150 can with the communication of the authoring system 160 of single publisher To occur or independently occur simultaneously.Electronic value token transaction computer 150 can be via suitable network (for example, PSTN, Yin Te Net or independent dedicated network) it is connected to the authoring system of single publisher.Electronic value token transaction computer 150 is matched somebody with somebody It is set to the communication 110 for sending and/or being received from the authoring system 160 of publisher the state on electronic value token.

Reconciliation unit 155 is to each publisher, sale seller and/or redeems the account of businessman and carries out reconciliation, with various The suitable businessman of value credit and debit of transaction, seller, electronic value token transaction processing system keeper and publisher, from And reflect which entity receives value from which other entity.If for example, the specified gold that seller A sale is issued by publisher B The value token of volume and from user (its by electronic value token added to user stored value card) receive pay, sell seller Receive purchase the amount of money and/or predetermined dollar value percentage (for example, percent retention), E- wallet polymerizers system 1000 and/or Electronic value token system manager receives the percentage of the purchase amount of money and/or predetermined dollar value to process transaction, and publisher Receive remaining sum.If redeemed with bought item in businessman X by the value token that publisher Y is issued, then the amount quilt of redemption It is debiting to publisher Y and credit is to businessman X, the transaction fee collected by publisher is subtracted sometimes and/or is handed over by electronic value token Transaction or service charge that disposable system manager collects.

When electronic value token transaction computer 150 is also authoring system, granted unit 157 is used so that electrovalence Value token transactions computer 150 authorize the request of electronics wallet rather than the authoring system 160 for sending the request to publisher with Just authorize.Granted unit 157 can perform from the identical and/or different function of being described for authoring system 160, otherwise also So.

Granted unit 157 will verify the wallet received from E- wallet polymerizers system 1000 (for example, main wallet or sub- money Bag) transaction request form.In other words, granted unit 157 will check the data field in request to confirm the field quilt Insert data and data have correct format (for example, length, alphanumeric style).If request form is incorrect, authorize Unit 157 by refuse ask, or may retrieve in certain embodiments correct form (for example, from form database) and Transaction request is changed to meet correct format.Granted unit 157 also performs various validation checks to transaction request.Granted unit 157 are based on the Transaction Information relevant with card to the analysis verification of some standards, for example：1) electronic value token trading processing is determined There is the UPC generations of product in the data storage area 180 (or other data storage areas, such as database of publisher) of system 1100 Code；2) determine that the magnitude of value of asked transaction corresponds to payment of the customer to theme transaction request, for example, UPC information whether Card is designated $ 25.00 blocks and the $ 25.00 of corresponding transaction request including customer pays；3) determine that UPC information marks card It is the card of the type that can be processed by the businessman that asks to know；And 4) bank identification number of the card of identification card issuer is determined (" BIN ") (that is, the first six digits of the identification number of card) correspond to the UPC information of identification card issuer.

Other criterion validations that granted unit 157 may be based on such as transactions velocity (number of times/number of unit interval) are handed over Easily.If for example, Card processor worries that multiple invalid transaction are the performances of fraudulent activities, then Card processor can require electronics Value token transactions processing system 1100 monitor the number of times of the invalid transaction of request and from terminal refusal beyond the unit of pre-selection when Between invalid dealing money transaction.Finally, can be configured to cannot in the information received by granted unit 157 for granted unit 157 Refuse transaction request in the case of understanding.

If request has correct form and is verified as described above, electronic value token transaction computer 150 can send the details of transaction rather than authorization requests to the authoring system of publisher.In addition, in certain embodiments, Publisher, authoring system (for example, granted unit 157) and transaction computer are a parts for identical entity, and such In embodiment, there will be no the authoring system 160 of publisher, or publisher authoring system 160 will in electronic value (for example, the computing system for co-owning and operating, it can concentrate (example to other units of token transactions computer 150 Such as, a part for the data center of concentration) and/or be distributed in the system or network for co-owning or controlling) common control Under.Moreover, it should point out, although the unit being associated with electronic value token transaction computer 150 is (for example, unit 152- 157) unit in individual data processing system is shown as illustration and conceptual purpose, but unit 152- One or more in 157 can be in a distributed data processing environment single computer, implement on system or server.

Fig. 4 B depict being used with favourable by electronic value token transaction computer 150 according to e purse transaction embodiments In the example process bought using stored value card, the e purse transactions include being worth token transactions meter by electronic third-party The sub- wallet of electronics that calculation machine is safeguarded, electronic third-party value token transactions computer gathers sub- wallet as with such as E- wallets The relation part of the main e Wallet Systems supplier of clutch system 1000 is safeguarded.Such embodiment can be by e purse transactions Treatment request is illustrated, and the request is calculated by the initial reception of E- wallet polymerizers system 1000 and partly by electronic value token Machine 150 is performed.The action described can be performed with shown order or in different order, and two or more in acting can Executed in parallel.

In block 301, E- wallets polymerizer system 1000 receives one or more requests from point of sale 111.At least one In individual embodiment, request may include electronic-purse transaction request, inquiry into balance request, registration request, activation request or redeem to ask Ask, wallet management is asked, and comprising one or more in following：The identity of (a) terminal, (b) checking information, (c) The number of purchase, the identity of (d) electronic value token publisher, the identity of (e) seller, the identity mark in (f) place Know, the time of (g) request, the date of (h) request, (i) will ask clearly to be designated the information of e purse transactions request (for example, handing over Easy categorical data)；J () identifies the information of main e wallets, (multiple) sub- wallet or combinations thereof；K () is as herein described any Other transaction and/or checking data；And (l) any combination of them.Request at frame 301 may include for example described herein Type, in addition to project listed above or replace project listed above other information, request or function.At least one In individual embodiment, checking information is based on the checking token selected from proxy card and cell phone.

Continue the process of frame 301, E- wallet polymerizers system 1000 can determine a part for asked e purse transactions Can be processed by E- wallet polymerizers system 1000, and the another part for the e purse transactions asked is related to be managed by third party The sub- wallet that member's (for example, electronic value token transaction computer 150) safeguards.If received by E- wallet polymerizers system 1000 Electronic-purse transaction solicited message show that transaction request will be needed/be related to by the sub- wallet of the system maintenance of third party keeper Fully to realize the response to transaction request, and the related main e money suitable for being safeguarded by E- wallet polymerizers system 1000 The rule of bag so regulation, then E- wallet polymerizers system 1000 processes initial request, the new request of generation, the request of generation or Initial request is changed to send to the sub- wallet safeguarded in association with main stored value card, for example, main stored value card will be asked initially Ask, newly request, sub- request or amended initial request are sent to electronic value token transaction computer 150, electronic value generation Coin transaction computer 150 safeguards indicated sub- wallet.In treatment initial request, generation newly request, the request of generation or modification During initial request is to send to sub- wallet, E- wallet polymerizers system 1000 can be with：I () is by the Logic application of their own To the request of e purse transactions；(ii) rule in main wallet is applied storage in (for example, being used by main e Wallet Providers, main e wallets The rule that family or combinations thereof are formulated)；Rule that (iii) application is received by transaction request from point of sale 111 (for example, by The rule that the user of main stored value card and/or the sub- wallet of electronics submits to simultaneously with request)；Or any combination of them (iv).

In frame 303, electronic value token transaction computer 150 receives one or many from E- wallet polymerizers system 1000 Individual request.In at least one embodiment, request may include the sub- wallet request of electronics, inquiry into balance request, registration request, activation Request, the request of sub- wallet management are redeemed in request, and comprising one or more in following：The identity of (a) terminal, (b) checking information, the number of (c) purchase, the identity of (d) electronic value token publisher, the identity of (e) seller, The identity in (f) place, (g) request time, (h) request date, (i) will ask clearly be designated e purse transactions please The information (for example, type of transaction data) asked；J () identifies the information of main e wallets, (multiple) sub- wallet or combinations thereof； (k) any other transaction as herein described and/or checking data；And (l) any combination of them.Request at frame 303 May include type for example described herein, in addition to project listed above or replace project listed above other information, Request or function.In at least one embodiment, checking information is based on the checking token selected from proxy card and cell phone.Utilize The identity of proxy card and/or cell phone, embedded transaction can be correctly formatted with the phase with theme transaction request Close the communication of electronic value token publisher.

Using from the E- wallet polymerizer system 1000 related to transaction request and from the information for deriving from data storage area 180 The information of reception, in block 304, electronic value token transaction computer 150 determines whether request is to include effect checking information The request of electronics wallet and request whether be worth the addition of token, (many for the redemption of (multiple) value token, (multiple) It is individual) value token deletion or the sub- wallet of electronics other management.The request of electronics wallet may include as checking information one The bank identification number (" BIN ") for dividing.BIN numbers can be decoded for taxon or otherwise confirmation request is on position The sub- wallet request of electronics of the electronic value token in indicated sub- wallet.

Using from E- wallet polymerizers system 1000 and/or from derive from data storage area 180 information receive being included in Information in electronic-purse transaction, in frame 324, electronic value token transaction computer 150 recognizes/determines (multiple) sub- wallet And/or the place of pointed/required (multiple) the sub- wallet, to realize that received e purse transactions are asked.If connect The authorization message of receipts shows that asked e purse transactions are related to the sub- wallet safeguarded by electronic value token transaction computer 150, So electronic value token transaction computer 150 can be with：(i) by the Logic application of their own to request；(ii) apply storage in Rule in sub- wallet is (for example, by electronic value token transaction processing system keeper, sub- cafe user or combinations thereof The rule of foundation)；(iii) rule in son-sub- wallet is applied storage in (for example, by electronic value token transaction processing system The rule that keeper, son-sub- cafe user or combinations thereof are set up)；(iv) application is received with request from point of sale 111 Rule (for example, the rule submitted to simultaneously with request by the user of main e wallets/sub- wallet)；(v) or any combination of them.

For example, one embodiment may include to determine the whole request received from E- wallet polymerizers system 1000 and be included in The relevant electronic value token transaction computer 150 of token is worth in single sub- wallet.Upon receipt of the request, electronic value Token transactions computer 150 will inquire about its granted unit 157 (as described in more fully herein), its data storage area 180, e money Bag unit 199 and any other necessary unit, to determine whether sub- wallet includes disclosure satisfy that the value token that theme is asked (for example, whether sub- wallet is comprising the seller relevant with the transaction asked, businessman and/or publisher associated value generation Coin).This determination can be carried out by the type of transaction for comparing electronic value token mark, ID, asking.Electronic value generation Coin transaction computer 150 will be according to sub- wallet by available electronic value token in the sub- wallet for corresponding to the request with post-evaluation Rule and/or the rule application received with request mode, and perform or refusal performs asked transaction and/or multiple Transaction.

Another embodiment may include determine from E- wallet polymerizers system 1000 receive whole request be included in son- The relevant electronic value token transaction computer 150 of token is worth in sub- wallet.Upon receipt of the request, electronic value token Transaction computer 150 will inquire about its granted unit 157 (as described in more fully herein), its data storage area 180, e wallet lists Unit 199 and any other necessary unit, to determine whether son-sub- wallet includes disclosure satisfy that the value token that theme is asked (for example, whether son-sub- wallet is comprising the associated value of the seller relevant with the transaction asked, businessman and/or publisher Token).This determination can be carried out by the type of transaction for comparing electronic value token mark, ID, asking.Electronic value Token transactions computer 150 will be according to by available electronic value token in the son-sub- wallet for corresponding to the request with post-evaluation The rule of son-sub- wallet and/or the mode of the rule application with request reception, and perform or the asked transaction of refusal execution And/or multiple transaction.

In another example, one embodiment may include electronic value token transaction computer 150, and its determination is from E- wallets A part for the request that polymerizer system 1000 is received is relevant with the electronic value token in sub- wallet, and request is another Individual part is relevant with the electronic value token in son-sub- wallet.This determination can by evaluate asked type of transaction, Electronic value token is identified or carried out for determining any other method of transaction allocation.Electronic value token transaction is calculated Machine 150 will evaluate corresponding to the request sub- wallet in available electronic value token by according to the rule of sub- wallet (because this A little rules can influence the method for payment that will be used being located in sub- wallet) by the way of application, electronic value token transaction calculating Machine 150 will evaluate corresponding to the request any applicable son-sub- wallet in available electronic value token will according to it is such son- The rule of sub- wallet and/or the mode of the rule application received with request, and perform or refusal perform asked transaction and/ Or multiple transaction.

In one exemplary embodiment, at frame 324, electronic value token transaction computer 150 can be in response to connecing The transaction request of receipts recognizes one or more electronic values in one or more value tokens and son-sub- wallet in sub- wallet Token, these value tokens will be enough to pay the e purse transactions all asked when using together.Additionally, being located at sub- wallet Or in the electronic value token in sub- wallet can be the electronic representation of loyalty card, and positioned at loyalty card value Another electronic value token in the identical or different place of token can be the electronic representation of the Gift Card of retailer.So Example in, electronic value token transaction computer 150 can be realized using " loyalty card " token and the " gift of retailer simultaneously Card " token, regardless of whether place of the token in sub- wallet and/or (multiple) son-sub- wallet how, is incited somebody to action during allowing different The value of " Gift Card of retailer " token and " loyalty card " token is applied to the increased user's benefit of exchange, for example, " zero Sell the Gift Card of business " value of token or it is applied to point of " loyalty card " token for " Gift Card of retailer " token 5% increase in bonus.

Electronic value token can be associated with closed loop account or open loop account.Fund of the closed loop account generally in account is used Expired, such as Gift Card account after complete.Open loop account is not generally expired.Conversely, it is understood that there may be each entity credit and debit The lasting obligation of account, for example, the credit card account or debit-card account that have brand of such as Visa or Mastercard.Close Ring account is usually directly associated with retailer, and open loop account is usually associated (for example, Chase or Citi with financial institution The Visa of distribution).In at least one embodiment, electronic value token includes closed loop account number and open loop account number.Closed loop account number with Can the retailer of closed loop account that is associated with the closed loop account number of debit or credit be associated.Open loop account number with can debit or The financial institution of the open loop account that credit is associated with the open loop account number is associated.Electronic value token can have different from any The expiration date of other value tokens or the use date of regulation.And, electronic value token can be recognized can use electronics It is worth specific businessman, place, and/or the product of token.

If request is directed to electronic value token addition, then in frame 306, the sub- wallet of electronics is created (if still Do not create) and electronic value token is added to the sub- wallet of electronics.Below table include e purse transactions communication include and Used by electronic value token transaction computer 150 to be conducive to and realize as just by main e purse transactions processing system (example Such as, E- wallets polymerizer system 1000) treatment consistent main e purse transactions a part the sub- purse transaction of electronics will Element, parameter and information.

Table 8A shows the required parameter asked to create sub- wallet at least one embodiment.Table 8B is shown extremely The response parameter asked to create sub- wallet in few one embodiment.

Table 8A

Required parameter

Table 8B

Response parameter

Electronic value token transaction computer 150 is preferably the sub- wallet of electronics and (multiple) value token distribution memory And by information segment stored in data structure on data storage area 180 and by account number and the sub- wallet of electronics and/or The checking information stored in stored value card unit 199 is associated.Table 9 shows to be used for Gift Card valency at least one embodiment It is worth the parameter of token.

Table 9

Table 10 shows to be used for the more detailed parameter of Gift Card electronic value token in an alternative embodiment, including related The title of (multiple) sub- wallet and/or (multiple) son-sub- wallet.

Table 10

Table 11 shows the form for verifying communication.

Table 11

Table 12 shows the parameter of the wallet for retrieving user.

Table 12

Table 13A is shown for the required parameter from the token redemption value in sub- wallet.

Table 13A

Required parameter

Table 13B is shown for the response parameter from the token redemption value in sub- wallet.

Table 13B

Response parameter

Table 14A shows the required parameter for will be worth during token is loaded into sub- wallet.

Table 14A

Required parameter

Table 14B shows the response parameter for will be worth during token is loaded into sub- wallet.

Table 14B

Response parameter

If request is redeemed for electronic value token, then in frame 308, electronic value token transaction computer The rule that the sub- wallet of electronics and inspection that 150 access are associated with checking information before this are associated with the sub- wallet of electronics.Extremely In few one embodiment, check that rule includes that inspection can be by the priority of the value token of user configuring.For example, user may like It is joyous to be worth token using any closed loop for corresponding to the retailer for initiating purchase request.If not finding any closed loop value generation Coin or if token not enough pays purchase, then user may be more willing to be worth token using open loop pay remainder. Due to this preference, closed loop value token may be respectively provided with the priority higher than open loop value token.Token is worth in open loop In, one kind may be prior to another kind.For example, user likes paying any remainder rather than debit card with credit card. In at least one embodiment, user can configure these rules and by this priority by internet or Mobile solution Save as default preferences.In an alternative embodiment, user POS device (for example, such as checkout aisle, client service center or from Help seller or the retailer place of terminal) place selection electronic value token be applied to stored value card request.Therefore, electronics is selected Value token includes value token of the selection with limit priority, and these value tokens will enough pay purchase when using together Buy the amount of money.In this example as can be seen that a purchase-transaction has been split into two redemptions, the efficiency without reducing purchase.Class As, one or more electronic-purse transactions can be split into two or more transaction, without reducing efficiency.

In at least one embodiment, check that rule includes checking the electronics that different electronic value tokens should be applied to The percentage of sub- wallet request, and wherein applying electronic value token includes being applied to electronic value token according to percentage The sub- wallet request of electronics.In a block 310, electronic value token transaction computer 150 is then based on the rule selection sub- wallet of electronics In value token, these value tokens will meet electronics wallet when using together asks.For example, user can configure rule Then so that each purchase equably splits between two credits card.Therefore, selection electronic value token includes selection at them Between split purchase the amount of money two open loop tokens.Similar to above-mentioned example, efficiency is maintained, because being used in point of sale single Individual checking token (for example, only proxy card or mobile device), rather than two credits card corresponding to electronic value token.Can be with Implement Else Rule, and these rules with various arrangements and can be applied in combination each other.Electronic value token computer 150 Can be implemented based on the information sent in the sub- wallet request of electronics " if-so " rule.For example, the purchase in gas station can be led Cause gasoline credit card value token selection, etc..In such embodiments, electronic value token computer 150 can be inquired about Main e wallets 10 and/or sub- wallet 807 (for example, for credit-card type electronic value token), 808 are (for example, for debit card class Electronic value token) and 809 (for example, for stored value card electron-like be worth tokens) rule 802,817,818 and 819 and base Determine to be main e wallets 10 and/or sub- wallet in the transaction request information including type of transaction (for example, in purchase of gas station) 807th, 808 and 809 rules set up require that type of transaction is asked first with the first electronic value token type (for example, and gasoline The relevant electronic value token 829 of card) meet, and do not include in main e wallets 10 and/or sub- wallet 807,808 and 809 full In the case of first value token type of enough numbers of the whole transaction request of foot, electronic value token computer 150 can be with The surplus of transaction request is met with the second electronic value token type (for example, electronic value token 828 relevant with debit card) Remaining part point.

Electronic value token is also applied to the sub- wallet request of electronics by electronic value token transaction computer 150.By electricity Son value token be applied to request when, electronic value token transaction computer 150 can generate and send debit and credit's message with Performed on the account managed by retailer and financial institution using suitable account number, or when electronic value token transaction is calculated When machine has such administration authority, electronic value token transaction computer 150 can directly credit or debit account.

In at least one embodiment, the modification of electronic value token transaction computer 150 request and the request turn that will be changed The authoring system 160 of one of them suitable publisher is issued, the system receives the request of modification and operates on it, example Such as, authorize and/or process request to redeem electronic value token and correspondingly update the data memory block.Implement at least one In example, authoring system 160 is not asking receiving area identical place with the sub- wallet of electronics.If for example, the sub- wallet request of electronics It is to be received from retail shop, then authoring system may be possessed and be operated by retailer, but may not be at retail shop.Phase Instead, authoring system is likely located at such as data center.Therefore, during retail shop and retailer generally require no knowledge about sub- wallet Some or all contents.In at least one embodiment, retail shop may not even be aware that there is stored value card, because it is only Know that some Trading Authorization action has been communicated to its point of sale (for example, the swiping the card of proxy card, personal digital assistant and sale are decorated Interaction, input PIN or other authorization activities on the keypad of point of sale put).The authoring system 160 of publisher will ring Message is answered to be sent back to electronic value token transaction computer 150.Electronic value token transaction computer 150 performs distribution wherein In the alternative of the function of the authoring system 160 of person, the method directly can proceed to frame 314 from frame 306 or 310.

In frame 312, the authoring system for suitable publisher therefrom of electronic value token transaction computer 150 160 receive confirmation message.At frame 314, electronic value token transaction computer 150 updates stored value card unit 199 and data The sub- wallet of electronics in memory block 180 is activated with reflecting the sub- wallet of electronics, and reflects appointing for (multiple) electronic value token What debit, credit, addition are deleted.Fig. 6 A-6D show sequence of user interface screen at least one embodiment and carry Show.For example, user can when the stored value card of user is managed by being connected to the computer and/or self-aided terminal 189 of internet To see the prompting of diagram.

In frame 316, transaction log 170 can be updated to record on transaction by electronic value token transaction computer 150 Details.The details recorded in transaction log may include：Whether (a) exchange hour and date, the sub- wallet of (b) electronics are swashed It is living, the reason for the sub- wallet of (c) electronics when request is rejected is not activated, the credit of (d) (multiple) electronic value token, borrow Note, addition are deleted, the regular change that (e) is associated with (multiple) electronic value token, the identity of (f) seller, (g) The identity of publisher, the place of (h) seller, the identity of the terminal of (i) addition electronic value token, (j) authorizes electricity The identity of the entity of son value token, (k) receives from it the identity of the E- wallet polymerizers system 1000 of sub- wallet request Mark, the communication of (l) between electronic value token transaction computer 150 and E- wallet polymerizers system 1000, and (m) it Any combinations.Transaction log may include in addition to project listed above or replace their other information.

In frame 319, electronic value token transaction computer 150 is then by sub- purse transaction result and relevant information with true The form for recognizing message is forwarded to E- wallet polymerizers system 1000.Will confirm that message is forwarded to E- wallet polymerizers system 1000 Before, electronic value token transaction computer 150 can as needed change confirmation message, with including that can be printed upon to customer's On receipt and/or to operate the salesman of point of sale device 111 that information over the display is presented.At frame 320, electronic value generation Coin transaction computer 150 to each seller, businessman, publisher, electronic value token transaction processing system keeper and with son The distribution of the electronic value token being related in wallet request, the account of other entities sold and market relevant carry out reconciliation, with Debit and the suitable account of credit, and trigger belong between the suitable bank account of each entity in certain embodiments Fund is transferred accounts.Alternatively, the reconciliation of account can periodically carry out (for example, once a day, once in a week, monthly, etc.), Rather than after the trade.In such embodiments, the information from transaction log 170 can be used to various value tokens Sale or each involved entity of redemption carry out reconciliation, so as to need to trigger less fund to transfer accounts.In various embodiments, The description order of event can change, such that it is able to by any desired order, sequentially or simultaneously carry out.

Fig. 2 C show the embodiment of electronic value token transaction processing system 1200, and wherein electronic value token transaction is calculated Machine 150 and point of sale 111 and E- wallet polymerizers system 1000 both communicate.Therefore, electronic value token transaction computer 150 May act as the main electronic-purse transaction processor and the sub- purse transaction processor of electronics described in detail above in association with Fig. 2A and Fig. 2 B Both.

Wallet administration can be carried out by various user interfaces, for example, smart mobile phone application, personal computer applications, Application, point-of-sale terminal based on website, the special-purpose terminal in shop or other places, such as self-aided terminal.

In at least one embodiment, user can perform many work(by the WWW from computer or mobile phone Can, such as wallet administration function (for example, inquiry into balance, management integration and/or other bonus class plans)；Value token Exchange, such as (i) the value token in e wallets is substituted for the value token that be there is currently no in e wallets, and (ii) is in different money Between bag exchange (for example, autogamy in future be set to the sub- wallet for allowing redemption activity electronic value token be put into be configured to storage In storage activity and the sub- wallet with limited redemption possibility), and (iii) and another user exchange；Purchase will be put into e The electronic value token of wallet；Selection is received or selection does not receive targeting (targeted) promotional offer valency and material；And branch Function is paid, for example, splitting the payment (tender of payment) of payment between available electronic value token in e wallets.

On possible exchange possibility, the value generation that can be associated for the retailer that can not possibly be often gone with user by user The value token that currency exchange is associated into the retailer that may be often gone with user.Similarly, user can each other exchange, sell, Give or represent value token or bundled value token.

By e wallet management functions, user can be with：I () determines the number of the value being associated with each value token, example Such as reward points, U.S. dollar amount；(ii) due date of value token is checked, is other people make purchases worth more tokens as gift Product, and receive notice from specific retailer；(iii) create, register and delete its stored value card or in its stored value card Specific value token；(iv) request e wallets provide or supply the physical representation of the electronic value token in the stored value card of user (for example, in one embodiment, there is provided print on demand service with allow user self-aided terminal 189 or other addressable beat Other physical representations of document, reward voucher, check or electronic value token are printed on print machine)；And (v) allows e wallets example Such as serviced or by distinctive with the integrated transmission user of the SMS service of user by using the GPS in the mobile phone of user Value token.

In at least one embodiment, the social activity of the user of the stored value card of user and such as Facebook and Twitter Network service is integrated.Therefore, user can perform management function or flat by social networks by social network-i i-platform Platform receives value token.Also the social networks of user can be supplied to join all or part of information of the stored value card on user It is people.

As shown in Figure 6A, user can access e Wallet Systems, example by the interactive display page/picture of such system Such as, electronic value token transaction processing system 100 or E- wallet polymerizers system 1000, wherein the interactive display page/picture By the computer of user, the personal digital assistant of user or smart mobile phone, point-of-sale terminal, self-aided terminal 189 or other devices Access.As shown in Figure 6A, user can by information that some require is provided and agree to some terms and conditions creating and/or Registration e wallets or sub- wallet.

As shown in Figure 6B, user can be shown by the way that some are blocked into specific information input to e Wallet Systems are interactive Its e wallet is managed in the page/picture.In one embodiment, user can be by being input into the brand of Gift Card, card number, arriving Date phase, the another name of CVV2 yards and card and " Gift Card is added to my wallet " button is selected to register gift on picture Card.

As shown in Figure 6 C, user is provided many options to manage e wallets and its content.For example, as illustrated, user can To check the associated tool of electronic value token (being shown as Gift Card in figure 6 c) present in e wallets and/or sub- wallet Body details.Additionally, user can ask to be provided as electronic value token：(i) " finally adding " (as shown in Figure 6 C)；(ii) Included in each " sub- wallet " (sub- wallet can be classified or with another name, for example " food and drink ", " household ", " debit card ", " credit card ", " loyalty card " etc.)；(iii) by the surplus value from up to minimum order；Or (iv) is arranged by using preference Sequence.

In addition as shown in Figure 6 C, user " can add Gift Card ", " increasing value ", " redeeming card " and " sell and block ".

" addition Gift Card " function allows users to be put into electronic value token in e wallets." addition Gift Card " is selected Two kinds of different methods are provide at least, so that electronic value token is added to e wallets by user.It is possible, firstly, to be used representing The electronic value token of the entity card that family is possessed is added to e wallets.As described with reference to fig.6b, by selecting " addition Gift Card " With the following manner of such addition, the picture of Fig. 6 B can be presented to user.Correspondingly, user can be by being input into Gift Card Brand, card number, due date, CVV2 yards and card another name and on picture select " Gift Card is added to my wallet " " Gift Card " is added to e wallets by button.Alternatively, user can access card reader (for example, magnetic stripe reader and/or bar Code reader), the device of computer, personal digital assistant or the smart mobile phone of user is for example attached to, and using so The computer of device combination user, personal digital assistant or smart mobile phone read information from entity card, the information of card is defeated Enter in e Wallet Systems to be converted into electronic value token.Secondly, the electronics of the entity card that user not yet possesses will can be represented Value token is added to e wallets.In such embodiments, when the user selects this option, can be presented to user and inform use Family can be used for all different types and the display picture of amount of value of the electronic value token bought.For the electrovalence bought The availability of value token may depend on e Wallet Systems (for example, electronic value token transaction processing system 100) and card issuer, Businessman, seller and/or processor by the GiftCard Mall that BlackHawk Network are provided (for example, be based on answering for web With it allows users to be selected and by Selected Card with tangible form from the Gift Card of various types (and different denominations) (by mail or other express deliveries) be delivered to user (or user specify recipient) or electronically delivering (for example, passing through Electronic value token transaction processing system)) relation, or can depend on e Wallet Systems (for example, electronic value token hand over Disposable system 100) ability that electronic value token exchanges program 2000 is accessed, what following article will be described more fully.

" increasing value " function allows users to the value for selecting to meet described in electronic value token and increase.Electronic value This " reloading ", " additional " or " supplementing with money " of token can be as described in international application No.PCT/US11/40055 Carry out like that, the full text of this application is incorporated herein by reference.For example, in e cafe users wish to be pointed to e wallets with When the relevant electronic value token of telecommunications reload/supplement with money/add, user can select " to increase in display picture Value ", this will be prompted to system and will reload/supplement with money/add request transmission to electronic value token computer 150.

Reloading/supplement with money/first embodiment that adds situation in, if the electronic value token quilt relevant with telecommunications Activate and be associated with telephone number, electronic value token computer 150 will have agreed to request.Electronic value token computer 150 It is determined that the telecommunications account relevant with telephone number and by asked reload/supplement with money/additional quantity increases to account.Electricity Son value token computer 150 is sent to the response asked (for example, it is indicated that reload/supplement with money/add the amount of money and be increased to Associated account).Electronic value token computer 150 will reload/supplement with money/add transaction request send to phone number The telecom operators of code-phase association.Received from telecom operators reload/supplement with money/license that adds transaction request after, The value that electronic value token computer 150 changes the electronic value token relevant with telecommunications is reloaded/supplemented with money/chase after to reflect Plus number.Electronic value token computer 150 will make display accessible by user reflect repairing for the value of electronic value token Change, or reload/supplement with money/add transaction request it is not granted when, electronic value token computer 150 will make display Inform user's result.Although having combined the electronic value token relevant with telecommunications describes " increasing value " function, " increase Value " function is equally applicable to and can be used to reloading/supplement with money/add related to debit card, prepaid services card, Gift Card etc. The electronic value token of connection.

" redeeming card " function is allowed users to selection electronic value token and purchase or other friendships is met using the token Easily.In " redeeming card " situation, if not having the whole values for using electronic value token in transaction is redeemed, system will be repaiied Change/reduce the surplus value of the token and display is informed the value of " new " reduction of user's token, while also informing institute There is shareholder to redeem transaction and correspondingly record and adjust any related daily record.Alternatively, when in point-of-sale type Transaction context under rather than e wallets are used under above-mentioned e wallet managements background when, " redeem card " function can be passed by from point of sale The Transaction Information for sending automatically is called and therefore can be based on predetermined rule.

" selling card " function allows users to selection and is monetized by the way that card is sold into following parties:(i) another e money Bag user, (ii) e wallets (or sub- wallet) system provider or (iii) electronic value token exchange program 2000 (such as herein more Describe comprehensively).In " sell card " situation, user will inform e Wallet Systems, and it wishes the electronic value token sold, from can With the forum selected in the list of forum for such sale, the income remittance how system will should sell to e wallets is indicated (for example, in the form of the electronic value token that e Wallet Systems have brand, value is increased into other selected electronic value tokens, And/or delivering user can be call for bid provide hard/tangible form receipt (for example, document, reward voucher, check or they Combination)), and where applicable indicate system user be unwilling the electronic value token being less than sale threshold value, for example, set Reserve price.System will perform desired sales transactions, and display is informed the result of the sale of user's electronic value token, together When also inform all shareholder's sales transactions and correspondingly record and adjust any correlation log.

As being further illustrated in Fig. 6 C, user can select to manage " my reward ", and this will produce display to be received due to user To the picture of the option for being provided a user with using the integration or other types of reward of e wallets and/or electronic value token Face.User is also an option that " special selling ", and this will produce and shows going out for the promotional form that can be provided a user with by e wallets to user Sell the picture of thing.User can also select " exchange ", and this will produce display to can be used to carrying out electronic value token by e wallets converting The picture of the user option for changing.

With the similar mode described with reference to e wallet managements ability provided above and function, self-aided terminal 189 is at least Electronic value token transaction computer 150 can be connected in one embodiment and be served as and connect with the user of e purse transaction systems Mouthful, to allow user to access e wallet management functions.

Self-aided terminal 189 is placed in the big region of flow of the people, such as shopping center, and can perform any stored value card Management function.For example, user can create, delete and change its stored value card or sub- wallet.User may also check with positioned at e money The remaining sum of the electronic value token in bag, adds, takes out, reloads, supplements with money, prints and exchanges its stored value card or sub- wallet In value token.In at least one embodiment, self-aided terminal 189 can reflect the available friendship in wallet administration website Easily, or e wallets enable personal digital assistant and/or smart mobile phone function.If particular retailer does not receive electronic money Bag transaction, user can be using the print on demand function that token is worth to it.For example, user can select the value generation to be printed Coin, the printer for being connected to self-aided terminal 189 will print the physical representation of selected value token, for example, have being linked to electronics It is worth the receipt of the scannable barcode of token.Physical representation can be with magnetic stripe Gift Card, with bar code or two dimension Paper receipt or reward voucher of code (for example, QR yards) etc..In one embodiment, self-aided terminal 189 can print entity card, for example For extra printing expense.User can also provide using self-aided terminal 189 and/or split (for example, creating sub- wallet) electronics Wallet.For example, after the stored value card that checking user and identification are associated with user, user can be by the entity Stored Value of user Card insertion self-aided terminal 189, for example, self-aided terminal similar to the machine operation of ATM or alternatively have it is suitable The manned self-aided terminal of card reader etc..Self-aided terminal 189 can be converted to entity stored value card in the stored value card of user Electronic value token.Then, entity stored value card can be retained by self-aided terminal 189 or damage or return to user.At one In embodiment, entity stored value card can not be used by user upon the transition.In another embodiment, user can have using electric The selection of son value token or entity stored value card.In other words, both will be " activation " and available.The also commercially available buying price of user Value token is with directly from the supply wallet of self-aided terminal 189.

In at least one embodiment, user is associated with multiple stored value cards.In order to from the multiple being associated with user A wallet is recognized in wallet, each in multiple wallets identifies (" ID ") with unique wallet to be associated.For example, database Or look-up table can be used to access wallet mark.In at least one embodiment, wallet ID can be customized by user.

As cited in reference to above-mentioned main e wallets and sub- wallet embodiment, disclosed e wallets and sub- wallet method and it is System has provided the user the ability that will be worth and increase to the electronic value token in e wallets and/or sub- wallet.In a reality Apply in example, the similar competence for added value and function of electronic value token transaction processing system 100 described herein are in international application Described in detail in No.PCT/US11/20570 and illustrated, the full text of this application is incorporated herein by reference, such similar increment energy Force and work can be revised as being applied to the present invention from the linguistic context described in international application No.PCT/US11/20570 (context) E wallets/electronic value token linguistic context.

The value difference that can be worth by (multiple) between the make purchases worth more of token and redemption value is provided to purchase to customer (multiple) described in buying and/or redeeming is worth the reward of token.

In one embodiment, customer can buy the value token of the face amount with $ 25, but electronic value generation with $ 25 The purchase price that coin can be added to stored value card-$ 25 by the amount of money of $ 30 increases plus the reward as purchase electronic value token Plus extra $ 5.Alternatively, electronic value token is added to instead of by surrender value, can be with for specific product or service Redemption coupon code to electronic value token encode.For example, the value token of the $ 15 of cafe can have electronics redemption excellent Favour voucher code, for the syrup of one cuvette customer of the free addition selection on any coffee that the cafe is bought.Free one Cuvette syrup can be redeemed while part or all of electronic value token amount of money is redeemed, or a free cuvette syrup Can individually redeem.

In another embodiment, value token seller can by when customer redeems electronic value token in electrovalence Increase is worth and provides the customer's reward to redemption value token outside being worth the value of token.For example, businessman can carry out promotion Activity, aprowl, when customer does shopping in one of the retail shop use value token of the businessman at the appointed time, businessman to Customer provides the extra credits of $ 5.

As described above, electronic value token transaction computer 150 and data storage area 180 and/or the mandate system of publisher System 160 communicates.Electronic value token transaction computer 150 can compare included in transaction request card mark, terminal iidentification, sell Principal mark know and the time and date of activation request in one or more with data storage area 180 in the data that include, with true Whether the electronic value token that add surely/redeem is qualified to obtain increment reward.For example, seller can carry out advertising campaign with Customer's make purchases worth more token is encouraged, wherein the value token bought at the appointed time can be illustrated with less than electronic value token Or the price of the value specified by metadata is bought.Therefore, customer can be with certain amount of money (for example, $ 20) less than $ 25 Buy the value token of $ 25.In any of the above-described example, poor (value differentiator) is worth (for example, being added to The reduction of the purchasing price of the bonus for being worth the redemption value of token and the value token for specifying value) may apply to binding Value pack of tokens, and be worth difference fifty-fifty or disproportionately distribute in electronic value token and/or between.Similarly, Retailer can be combined by honouring the value token of other retailers whole or in part and be associated promotion, or can be Specific product or promotion are associated promotion to combine.By selecting to use stored value card in point of sale, user can even connect Receive the benefit of the ignorant promotion of user.And, by configuration rule, user may insure to obtain optimal in each retailer Promotion, without comparative shopping.Therefore, retailer can be implemented on the basis of daily or even hourly with fast rhythm Promotion is associated with change promotion and with other retailers, without wasting advertising resource, promote and be not required to ensure that user knows User is wanted to be related to shear reward voucher, be input into traditional field personnel for redeeming model of various promotion codes etc..Additionally, retail Promotion can be fine-tuning to each and segmented market by business, and the particular demands that segment market are met and reinforcement relation will pass through.

The modification of message modification unit 154 message 106 and 110 is added in message with by value-added information.If for example, increment Determining unit 153 determines the condition for wanting added value token to meet increment bonus, from the message that point of sale device 111 is received 106 will be changed with including identified increment bonus by message modification unit 154, and then as message 109 be forwarded to conjunction The authoring system 160 of suitable publisher is ratifying for the request of the amount of money specified plus increment bonus in activation request.As Another example, if it is determined that electronic value token meets the condition bought with discounted price, from the message that point of sale device 111 is received 106 refer to (and being forwarded as message 109) is changed by message modification unit 154 with to the authoring system 160 of suitable publisher Going out electronic value token will will be charged for reflecting related to electronic value token with certain amount of money added to stored value card, but customer Less amount of money of the discount of connection.

In one embodiment, message modification unit 154 is also changed and is intended to for point of sale device 111 from publisher Authoring system 160 message 110 with including can be printed upon for customer generate receipt on increasing to electronic value Any information of the value of token, and can be presented in terminal 101 or 104 cashier, cashier can communicate to Gu The information of visitor, and such amended message is forwarded to point of sale device 111 as message 107.

As cited in reference to above-mentioned main e wallets and sub- wallet embodiment, disclosed e wallets and sub- wallet method and it is System has been provided the user the electronic value token being located in the e wallets of user or sub- wallet and the e wallets for being not currently in user Or the energy that the electronic value token being made available by sub- wallet but by the transaction system of e wallets or sub- wallet is mutually exchanged Power.

The owner and/or operator of electronic value token computer 150 can obtain income by the activity of arbitrage class.That is, The owner of electronic value token computer 150 and/or operator can keep the current rate between two kinds of electronic value tokens Difference, for example, the first electronic value token is concluded the business/exchanged and the second electronic value token is expected to/obtains.At least In one embodiment, electronic value token transaction computer 150 can also collect the transaction fee of exchange to user.Transaction fee can be with It is the fixed or size based on change volume.

Electronic value token transaction computer 150 can also be in the publisher and/or retailer being associated with exchange One or both collects fixed transaction fee or the transaction fee based on change volume.These transaction fees are probably few but big volume production It is raw.All sides may be benefited, because being exchanged by the value token that will do not used with user, user is just receiving user will The value token for using.Additionally, a publisher and/or retailer eliminate the debt or storehouse being associated with the value token exchanged Responsibility is deposited, so as to discharge capital for use as other purposes.In addition, another publisher and/or retailer can obtain customer, retain Loyal customer increases income when customer is spent beyond the amount of money of electronic value token.

As cited in reference to above-mentioned main e wallets and sub- wallet embodiment, disclosed e wallets and sub- wallet method and it is System has been provided the user to be exchanged into the electronic value token being located in e wallets and/or sub- wallet and has not been located at the e wallets or son The ability of other electronic value tokens in wallet.It is such value token exchange can by (1) e cafe users (i) point of sale, (ii) in self-aided terminal, (iii) by the personal digital assistant of user or smart mobile phone, (iv) by being linked into the e money of user Any other method of the e wallets of the website, (v) or access user of bag；Or (2) are by the e wallets rule of e wallet processing systems Using initiation, the wherein rule is set up by (i) e cafe users, (ii) e Wallet Providers, (iii) or combinations thereof.

In at least one embodiment, the be associated with the first retailer the first value token that will be located in e wallets is converted Changing the be associated with the second retailer second value token not being located in e wallets into needs to apply exchange rate.The exchange rate can To be applied to the value of the to be obtained in exchange second value token, therefore reduce the second face amount for being worth token and exchange second The value of the first value token of value token is relevant, or exchange rate may apply to be located at some of e wallets that other have Value asset (as by any dependency rule or instruction or regulation).Exchange rate can by e wallets processing system realize and/or with finger Determine seller, businessman and publisher to share.

Exchange rate can be set up by the lasting valuation program operated by e wallets processing system or associated entity, including with Track electronic value token, the use of Gift Card (or other similar bills) and interest, such electronic value token, Gift Card (or Other similar bills) may be used to be incorporated to electronics from the purchase in other e cafe users or other sources and e wallet processing systems Value token exchanges the foundation of the value of the dynamic change of all such electronic value token and Gift Card class bill of program.

Above-mentioned electronic value token is exchanged program and can be illustrated by following discussion.E cafe users can be in the shop of retailer A The e wallets that paving treatment is associated with self-aided terminal 189.E cafe users join with self-aided terminal 189 and are provided to self-aided terminal E wallets identification information (for example, as this paper table 1 described in " accountid ").The offer of identification information can be by by self-service Terminal user's is manually entered to carry out, or can by the personal digital assistant (or proxy card 200) of e cafe users and from The communication helped between terminal 189 is carried out automatically.Then e cafe users can access the electrovalence of e wallets using self-aided terminal 189 Value token exchanges program and self-aided terminal 189 and can be further utilized to judicial convenience and complete any required electronic value generation Currency exchange.In one embodiment, e cafe users may want in the e wallets (or its sub- wallet) for will be contained in user by Retailer B is issued and/or the electronic value token of receiving is exchanged into the electronic value token issued and/or received by retailer A. E cafe users can cause all display pictures as shown in Figure 6 C are presented to e cafe users with the handing-over of self-aided terminal 189.Except making e Cafe user can browse through outside the content of e wallets, and display also allows e cafe users to select " exchange " to select from available function Xiang Ka.Then " exchange " tab will be presented the option that can be used for electronic value token exchange for e cafe users.Such as Fig. 6 D institutes Show, this Class Options may include：(1) a series of electronic value tokens that can be used for purchasing are checked；(2) check and be currently located at e wallets In a series of electronic value tokens；(3) the various exchange rates for the electronic value token for being recognized purchased, its base are checked The electronic value token of (exchange) is taken out from e wallets and calculate the (electrovalence that exchange rate can be according to selection for exchanging in selection Type/the retailer of value token and change)；(4) check for the option for meeting exchange rate (for example, (i) is selected for receiving Be applied to for the number of exchange rate to be located at e wallets to meet exchange rate or (ii) by the reduction of the value of the electronic value token of purchase Some of other assets for example credit card value token or debit card value token)；(5) check and be selected for for delivering A series of options of the electronic value token of purchase, such as (i) is delivered in e wallets (or sub- wallet), and (ii) is via electronics postal Part, SMS, social media or other electronic methods are delivered to personal digital assistant or computer, (iii) self-aided terminal or other The tangible version of electronic value token is printed (for example, by being printed upon receipt class carrier at the printing equipment of user's selection (capability) on, such as U.S. Patent application No.12/719, described in 741, the full text of this application is herein incorporated by reference In).User can make desired selection in response to the information provided in each above-mentioned picture, because described in each Picture checks that option all includes allowing the function of the option shown by selection.In this example, user's selection will be in e wallets The electronic value tokens of $ 25.00 of retailer B be exchanged into the electronic value token of retailer A.As a result, if user's selection will Exchange rate is applied to the value of the electronic value token of retailer A, and electronic value token is exchanged program prompting self-aided terminal 189 and shown Showing asked exchange will cause user to obtain the electronic value token of the retailer A of amount of money $ 24.75 (exchange rate will be because of transaction Different and different, exchange rate can be any value, for example, 0.001 to 10.00, or below the scope, within or more Any value).User carries out such selection.Electronic value token is exchanged program prompting self-aided terminal 189 and shows available passing Delivery method, and user selection be delivered in e wallets.It is similar that electronic value token exchanges the program prompting display of self-aided terminal 189 In another picture of Fig. 6 C, but e wallets are indicated now to include the electronic value token of the retailer A of amount of money $ 24.75.

Used as the result that above-mentioned " exchange " concludes the business, e cafe users receive the electronic value token of its desired retailer A, And electronic value token exchanges the electronic value tokens of $ 25.00 that program receives retailer B.As a part for above-mentioned transaction, The electronic value token that electronic value token exchanges the electronic value token of program contacts retailer A issues entity (for example, one In individual embodiment, the distribution entity of the electronic value token of retailer A can be that electronic value token exchanges program 2000) and The electronic value tokens of $ 24.75 of offer retailer A are asked to meet the request of e cafe users；Alternatively, electronic value token The electronic value token of modification of program its retailer A for having controlled is exchanged, for example, by the electronic values of $ 25.00 of retailer A Token change to only value $ 24.75 and the electronic value token for informing retailer A distribution entity its can be by itself and the card Associated debt reduces $ 0.25.Additionally, electronic value token exchanges program 2000 will contact the electronic value generation of retailer B Coin publisher and for publisher provide suitable retailer B the electronic value tokens of $ 25.00 mark so that publisher can be from it The electronic value tokens of $ 25.00 of retailer B are removed in debt list.Therefore, final result the most, electronic value token is exchanged The activity of program cause can according to the contractual obligation set up distribute to Stake Holders $ 0.25 value (exchange rate, That is, by the electronic value token for asking user to be obtained and the electronic value surrendered by request user as the part exchanged The value of token is poor).

In alternative scene, if the request user's selection of e wallets is come by another assets in e wallets or sub- wallet Meet exchange rate, such as Credit cards Electronic value token or debit card electronic value token, e cafe users will be provided and hand over The electronic value token of the retailer A of $ 25.00 of the electronic value token matching of the retailer A of $ 25.00 surrendered in easily, and The exchange rate of $ 0.25 will be realized by collecting Credit cards Electronic value token or debit debit card electronic value token.It is such Activity will be exchanged between program and Credit cards Electronic value token or debit card electronic value token by means of electronic value token Communication and conclude the business, exchange program to ask to pay electronic value token by the exchange rate of $ 0.25 value.Therefore, it is same to make It is final result, the activity that electronic value token exchanges program will cause the value (exchange rate) of $ 0.25, and it can be according to built Vertical contractual obligation distributes to Stake Holders.

Although being described under the linguistic context of self-aided terminal 189, above-mentioned electronic value token exchange trading (or its is any described Modification) can also be at point of sale, by the personal digital assistant with e wallet functions or the e wallets for passing through accessing user Computer is carried out.

In alternative electronic value token exchanges embodiment, as discussed herein above, e wallets can automatically instruct electricity Son value token redemption activity.For example, e cafe users can manage e wallets so that proper user in retail shop (for example, retail Business Q) place provides e wallets to meet transaction and during electronic value token of the e wallets without retailer's Q brands, e wallets will be automatic And starting electronic value token redemption process in real time, the request that electronic value token is exchanged is communicated to electronics by wherein e wallets Value token transactions computer 150.In this example, e cafe users management e wallets, to cause to be associated with advance payment service All electronic value tokens (Gift Card electron-like be worth token) be located in the sub- wallet specified, and electronic value generation Each in coin is placed/specified/specify in sub- wallet by prioritization system, for example, most preferably electronic value generation Coin or token type (for example, #1) are to least preferred electronic value token or token type (for example, #22, if in sub- wallet It is middle to there are 22 kinds of electronic value tokens).For example, the electronic value token of retailer's M brands can be designated as most preferably, and The electronic value token of retailer's L brands can be designated as least preferred.Additionally, in this example, also by instructing e wallets User in situations for e wallets are provided with rule：Wherein, e wallets have been provided to be easy to the transaction in retailer, Wherein (e wallets will be based in e money electronic value token of the e wallets not comprising any retailer when initial transaction starts The information identification retailer exchanged between bag and the communicator of retailer), such as the situation of retailer Q mentioned above, e wallets Rules guide e wallets are initiated electronic value token redemption request and are included in the request least preferred in e wallets Electronic value token (that is, the electronic value token (#22) of retailer L brands) and preferred electronic value token # if necessary 21st, the exchange of #20 etc., is exchanged into retailer's Q electronic value tokens that number is sufficient for the volume of initial transaction.Receiving electronics After value token redemption request, the electronics of electronic value token transaction computer 150 and such as electronic value token dealer Value token exchanges program 2000 (it is a part for whole electronic value token transaction processing system 100) communication to realize The electronic value token of request is exchanged.The electronic value token asked is exchanged and is performed, and e wallets receive asked retailer The electronic value token (happen to be in and used when carrying out initial transaction) of Q brands, and e wallets are to electronic value token transaction meter Calculation machine 150 surrenders (or make its unavailable, and be only used for modification) electronic value token of retailer's L brands, and it is in such case Lower value is actually beyond the electronic value token of asked retailer's Q brands.Therefore, electronic value token transaction computer 150 values that the electronic value token of retailer's L brands is changed according to the electronic value token of the retailer's Q brands for being provided (internal modification or communicated by the publishing system with the electronic value token of retailer's L brands to change) is to reflect value Reduce, extract the exchange of the electronic value token for the electronic value token of retailer's Q brands to be exchanged into retailer's L brands Rate (as will be discussed more fully herein), all shareholders are communicated to by Transaction Information, and will change after value zero Business's L brand's equities token is sold to return (or it is can use again) to the e wallets of user.

In an alternative embodiment, the electronic value token of e wallets is exchanged regular possible it has assumed that e wallets are on positioned at e money The most preferably available exchange rate inquiry electronic value token transaction computer 150 of electronic value token in bag and optimal based on this Exchange rate is exchanged rather than the sequence of electronic value token.Additionally, which valency e cafe users can should exchange with subjective judgement Value token is meeting transaction.

In one embodiment, value token is exchanged program 2000 and can be investigated by electronic value token transaction computer The e wallets and sub- wallet of 150 users for safeguarding and the quotation for proposing to exchange electronic value token to e cafe users.For example, Value token exchanges a part of usage record that can be based on (i) e wallet of the program 2000 as investigation；(ii) untapped electricity Son value token residence time length in e wallets；(iii) demand of the in the market for some electronic value tokens；(iv) The electronic value token overdue date；V () is the promotional offer valency for obtaining electronic value token；And (vi) combinations thereof is come It is determined that being offered to e cafe users, (multiple) electronic value token that will be currently located in the e wallets of user/sub- wallet is exchanged Into (multiple) electronic value token being not currently in the e wallets of user/sub- wallet.In one embodiment, value token is converted Changing program 2000 can add increment/Bonus Reward as described above on quotation is exchanged.In another embodiment, offer The option for allowing user that a part for the exchange value amount of money is put into savings wallet is may include, what following article will be described more fully.

As cited in reference to above-mentioned main e wallets and sub- wallet embodiment, disclosed e wallets and sub- wallet method and it is System allows users to specify position and regulation the e wallets and/or the sub- money of the value token in e wallets or sub- wallet The use of bag and/or the rule of availability.In addition it is as described herein, (multiple) electronic value token can from be configured to allow for redemption The sub- wallet (hereinafter referred to as " can completely redeem " the e wallets or sub- wallet specified) of activity is removed and is put into and is configured to The sub- wallet (hereinafter referred to as " saving " the e wallets or sub- wallet specified) with limited redemption possibility of savings activity.Thing In reality, system of the invention contributed to (multiple) electronic value generation when electronic value token is to e wallets or available sub- wallet Coin is put into the e wallets that " savings " specify or sub- wallet.

In one embodiment, electronic value token can be specified for and/or be put into some e wallets and/or sub- money There is Bao Zhong, the wallet regulation e wallets or sub- wallet will be used to saving movable and therefore inconvenient general access or for redeeming Return/the rule of redemption activity.In one embodiment, electronic value token transaction processing system 100 described herein is similar Savings ability, function, requirement and limitation describe in detail and illustrate in international application No.PCT/US11/49338, this application is complete Text is incorporated herein by reference, and such similar savings ability, function, requirement and limitation can be from international applications Linguistic context described in No.PCT/US11/49338 is revised as being applied to e wallets/electronic value token linguistic context of the invention.

At least in certain embodiments, it is allowed to which user is by electronic value token (for example, the electronic value relevant with debit card Token) the e wallets specified from " can redeem completely " or sub- wallet be easily redistributed to e wallets or sub- money that " savings " are specified Bag, vice versa.User may be referred to the e wallets or sub- wallet specified from " savings " by legal restriction to " can redeem completely " The account transfer of fixed e wallets or sub- the wallet given number of times (for example, six times) per the calendar month.User can be specified by e Wallet Systems Website, IVR, personal digital assistant or smart mobile phone or represent disposable account transfer using customer service.User can also be " can be complete Redeem " foundation and automatic account transfer between the e wallets specified of the e wallets specified or sub- wallet and " savings " or sub- wallet.In order to Savings encouragement, can provide the user the e wallets specified from " can redeem completely " or sub- wallet automatically engages fund to " storage E wallets or the option of sub- wallet that storage " is specified, it can be triggered by various transaction events, including：A () is receiving directly deposit Afterwards, (b) reload/supplement with money/add transaction occur when, and/or (c) with specify time interval (for example, weekly or monthly weighing Kainogenesis is once).User can select whole in available options, some or do not select entirely.Additionally, above-mentioned event can be handed over Easily, regardless of whether e wallets that " can redeem completely " specifies or that " savings " are specified or the current balance of sub- wallet are how many.User The number and percentage of the electronic value token that can select to be loaded into " can redeem completely " e wallets for specifying or sub- wallet Than.When user selects the time interval of automatic account transfer, user can select the preferred date.User will have at any time more Newly, edit or otherwise change the flexibility for automatically engaging Funding Options.The e that any negative " can redeem completely " specifies Wallet or sub- wallet may need initiating any automatic or before disposably transferring into the e wallets or sub- wallet that " savings " specify It is repaired (cured).If automatic account transfer can not be fully immersed fund or can not be put into fund at all, then Ren Heke To be taken out by the e wallets specified from " can redeem completely " or sub- wallet with the amount of money and be put into e wallets or sub- money that " savings " are specified Wrap and will be provided to e cafe users the notice for describing the transaction.Automatic account transfer is by then to specified account transfer option and the amount of money Continue.

Above-mentioned electronic value token transaction computer 150 can be implemented on any specific machine, and the machine has foot Enough disposal ability, storage resource and network throughput capability are processing the necessary workload being loaded into thereon.

All or part of of said system can be implemented on any specific one or multiple machine, these machines tool There are enough disposal abilities, storage resource and handling capacity to process the necessary work being loaded on one or more computers Amount.Fig. 5 shows all or part of computer system being suitable for carrying out in one or more embodiments disclosed herein 580.Computer system 580 includes the processor 582 (it is referred to alternatively as CPU or CPU) with storage communication, Storage device includes secondary storage 584, read-only storage (ROM) 586, random access memory (RAM) 588, input/output (I/O) device 590 and network connection device 592.Processor 582 can be embodied as one or more cpu chips.

It should be appreciated that programming and/or being loaded into computer system 580, CPU 582, RAM by by executable instruction At least one of 588 and ROM 586 is changed, and is taught with the disclosure so as to computer system 580 be partially converted into The particular machine or equipment of the novel capabilities led.For electrical engineering and field of software engineering, it is essential that can be by that can hold Row software is loaded into the function of implementing in computer and can be converted into hardware implementation by well known design rule.In software or firmly The consideration of stability that the decision-making for implementing certain concept in part generally depends on design and the number of unit to be produced, rather than from soft Any problem that part domain is related in being changed to hardware domain.In general, the design for still undergoing frequent change may preferably with soft Part is implemented, because hardware of reforming implements ratio reforms Software for Design costly.In general, by the design of the stabilization of a large amount of productions Preferably can be implemented with hardware, such as with application specific integrated circuit (ASIC), because for a large amount of productions, running hardware is implemented can With than software implementation low cost.Design often can in a software form be developed and tested, and then design rule turns known to The equivalent hardware being changed in the application specific integrated circuit of hard wire software instruction is implemented.The machine of new ASIC controls be particular machine or Equipment, in same mode, computer that is programmed and/or being loaded with executable instruction can also equally be considered as special Determine machine or equipment.

Secondary storage 584 is generally made up of, and be used for data one or more disc drivers or tape drive Overflow data storage device when not being large enough to keep whole operational datas of non-volatile memories and RAM 588.Two Level storage 584 can be used for storage program, and when such program is selected for performing, they are loaded into RAM 588. ROM 586 is used for the instruction being read during storage program is performed and possible data.ROM 586 is non-volatile memories Device, relative to the more large memories capacity of secondary storage 584, ROM 586 generally has small memory capacity.RAM 588 is used for Storage volatile data and possible store instruction.To ROM 586 and RAM 588, both access are usually faster than secondary storage 584.Under some linguistic context, secondary storage 584, RAM 588 and/or ROM 586 be referred to alternatively as computer-readable recording medium and/ Or non-transient computer-readable medium.

I/O devices 590 may include printer, video-frequency monitor, liquid crystal display (LCD), touch-screen display, keyboard, Keypad, switch, dial, mouse, trace ball, speech recognition device, card reader, paper tape reader or input dress known to other Put.

Network connection device 592 can take the following form：Modem, modem group, Ethernet card, general string Row bus (USB) interface card, serial line interface, token ring card, Fiber Distributed Data Interface (FDDI) card, WLAN (WLAN) card, such as the wireless receiving and dispatching card of CDMA (CDMA), global system for mobile communications (GSM), Long Term Evolution (LTE), Global intercommunication microwave accesses (WiMAX) and/or other air interface protocol wireless receiving and dispatching cards and other well known network dresses Put.These network connection devices 592 can enable processor 582 with internet or one or more intranet communications.Profit Use such network connection, it is contemplated that in above method step process is performed, processor 582 can be received from network to be believed Breath, or can be to network output information.Such information is often expressed as the command sequence performed using processor 582, can Receive and export to network with from network, for example, in the form of the computer data signal in being embedded in carrier wave.

Such information may include, by using the data or instruction that for example processor 582 is performed, to be received simultaneously from network Network is exported, for example, in the form of the signal in computer data baseband signal or embedded carrier wave.Baseband signal or embedded load The other types of signal of signal or use at present or exploitation in future in ripple can be according to well known to those skilled in the art Several method generation.Under some linguistic context, the signal in baseband signal and/or embedded carrier wave is referred to alternatively as instantaneous signal.

Processor 582 performs it, and from hard disk, floppy disk, CD, (these systems for being based on different disks can be viewed as two grades Storage 584), ROM 586, RAM 588 or network connection device 592 access instruction, code, computer program, script.Although One processor 582 is only shown, but there may be multiple processors.Therefore, although can be by certain treatment instruction discussion Device is performed, but these instructions can also simultaneously, serially or otherwise be performed by one or more processors.One Under a little linguistic context (context), can from secondary storage 584 such as hard disk, floppy disk, CD and/or other devices, ROM 586 and/ Or instruction, code, computer program, script and/or the data that RAM 588 is accessed are referred to alternatively as non-momentary instruction and/or non-wink When information.

In one embodiment, computer system 580 may include two or more computers for communicating with one another, and they are assisted With the task of execution.Such as but not limited to, application can be divided, and mode is the concurrent and/or parallel place of the instruction for allowing the application Reason.Alternatively, can be divided by the data of application treatment, mode enters line data set not for permission by two or more computers With the concurrent and/or parallel processing of part.In one embodiment, computer system 580 can use virtualization software to provide The function of many servers, it is not by the immediate constraint of the Computer number of computer system 580.For example, virtualization software can To provide 20 virtual servers in four entity computers.In one embodiment, held by cloud computing environment Row one and/or multiple applications, can provide function disclosed above.Cloud computing may include using can dynamic retractility calculating provide Source provides the service of calculating via network connection.Cloud computing can be supported by virtualization software at least in part.Cloud computing environment can be by Enterprise and/or can based on demand from third party supplier rent.Some cloud computing environments may include to be possessed by enterprise and grasped The cloud computing resources of work and the cloud computing resources rented from third party supplier and/or leased.

In one embodiment, some or all function disclosed above may be provided in computer program product.Meter Calculation machine program product may include one or more computer-readable recording mediums, wherein with the available program code of computer, To implement function disclosed above.Computer program product may include that data structure, executable instruction and other computers can use Program code.Computer program product can be embodied in moveable computer-readable storage medium and/or immovable calculating Machine storage medium.Moveable computer-readable recording medium may include but be not limited in paper tape, tape, disk, CD, solid-state Memory chip, such as analog tape, compact disc read-only memory (CD-ROM) disk, floppy disk, flash disk, digital card, multimedia card Etc..Computer program product may be adapted to be added at least part of content of the computer program product by computer system 580 It is downloaded to secondary storage 584, ROM 586, RAM 588 and/or other nonvolatile memories and the volatibility of computer system 580 Memory.Processor 582 can partially by directly access computer program product, for example by from insertion computer system The CD-ROM disk of 580 disc driver peripheral hardware reads to process executable instruction and/or data structure.Alternatively, processor 582 can for example be downloaded by via network connection device 592 by remotely accessing computer program product from remote server Executable instruction and/or data structure process executable instruction and/or data structure.Computer program product may include to refer to Order, it helps to load and/or copy to computer system 580 by data, data structure, file and/or executable instruction Secondary storage 584, ROM 586, RAM 588 and/or other nonvolatile memories and volatile memory.

Under some linguistic context, secondary storage 584, ROM 586 and/or RAM 588 are referred to alternatively as non-transient computer can Read medium or computer-readable recording medium.Equally, the dynamic ram embodiment of RAM 588 is referred to alternatively as non-transient computer Computer-readable recording medium, because while dynamic ram receives electric energy and according to its design operation, for example, opens and can grasp in computer 580 In a period of time during work, but dynamic ram storage write-in information thereon.Similarly, processor 582 may include inside RAM, inside ROM, cache memory and/or other internal non-transient memory block, section or parts, they are in some languages Non-transient computer-readable medium or computer-readable recording medium are referred to alternatively as in border.

The sequence of the step in each process, data flow and the flow chart for being provided is for illustrative purposes, and to differ Surely the order that each step has to carry out is embodied.Each step can be rearranged in a different order in various embodiments, To reflect the demand of the entity of implementation system, expect and preference.And, in certain embodiments, many steps can be with other steps It is rapid to perform simultaneously.

In addition, without departing from the scope of the disclosure, being described and illustrated as in various embodiments discrete or single Only technology, system, subsystem and method can be combined or integrated with other systems, module, techniques or methods.Show or beg for Can be coupled by some interfaces or device by for directly coupled with each other or communication other projects so that projects can be no longer Be counted as being directly coupled to each other, but still can indirectly couple each other and communicate, regardless of whether be electronically, machinery side Formula or other manner.In the case where disclosed spirit and scope are not departed from, those skilled in the art can be found that and make Change, the other examples replaced and change.The exemplary embodiment of the entry representation theme disclosed in this invention below numbered Incomplete set：

1. a kind of computer-implemented method, including：

Request of the reception processing for the payment transaction of stored value card；

Recognize the checking information of the request；

Recognize the value token in the stored value card；And

At least a portion of the value token is applied at least a portion of the request.

2. according to 1 method, also include：

Receive checking token to access the stored value card.

3. according to 2 method, wherein the checking information be based on the checking token, wherein it is described checking token include generation Reason card, mobile device, password, bio-identification identifier or combinations thereof.

4. according to 1 method, wherein the stored value card include main wallet and sub- wallet.

5. according to 4 method, also include：

At least a portion of the request is processed via the main wallet.

6. according to 4 method, also include：

At least a portion of the request is processed via the sub- wallet.

7. according to 4 method, wherein the main wallet includes the value token, methods described also includes：

Determine that the request is relevant with the main wallet；And

Determine that the value token disclosure satisfy that the request.

8. according to 7 method, wherein application it is described value token at least a portion include by described in the main wallet At least a portion for being worth token is applied to the request.

9. according to 4 method, wherein the sub- wallet includes the value token, methods described also includes：

Determine that the request is relevant with the sub- wallet；And

Determine that the value token disclosure satisfy that the request.

10. according to 9 method, wherein application it is described value token at least a portion include by described in the sub- wallet At least a portion for being worth token is applied to the request.

11. according to 4 method, wherein the stored value card include two or more value token, wherein the main money Include at least one of described two or more value tokens, wherein the sub- wallet includes described two or more Value token at least another.

12. according to 11 method, also include：

Determine that a part for the request is relevant with the main wallet；And

Determine that another part of the request is relevant with the sub- wallet.

13. according to 12 method, also include：

At least a portion of the value token of the main wallet is applied to the request；And

At least a portion of the value token of the sub- wallet is applied to the request.

14. according to 8 or 13 method, wherein the value token of the main wallet according to the main wallet or it is described please The rule asked is applied to the request.

15. according to 10 or 13 method, wherein the value token of the sub- wallet is according to the sub- wallet or described The rule of request is applied to the request.

16. according to 4 method, wherein polymerizer system receives the request, and methods described also includes：

Determining at least a portion of the request can be processed in the sub- wallet；And

The part of the request is sent to third party from the polymerizer system.

17. according to 1 method, wherein the request bag is included：The identity of point-of-sale terminal；Checking information；The purchase amount of money； The identity of the value token publisher；The identity of seller；The identity in place；The time of the request；Institute State the date of request；Recognize the information of main wallet, sub- wallet or combinations thereof；Transaction data；Checking data；Or their group Close.

18. according to 1 method, wherein it is described value token include value electronic representation, wherein the electronics of the value Expression include credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, Prepaid card, reward voucher, admission card, prepayment or forward purchasing commodity or service, cash, currency, credit card account, debit-card account, Merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the promotion value of businessman's distribution, businessman receive Integration, the promotion value of businessman's receiving or combinations thereof that credit, businessman receive.

19. according to 18 method, wherein it is described value token also include have different types of at least two value electricity Subrepresentation.

20. according to 1 method, wherein it is described value token include closed loop account number, wherein application it is described value token extremely The closed loop account that a few part is associated including credit or debit with the closed loop account number.

21. according to 1 method, wherein it is described value token include open loop account number, wherein application it is described value token extremely The open loop account that a few part is associated including credit or debit with the open loop account number.

22. according to 1 method, wherein application it is described value token at least a portion include according to specify the value generation The configurable rule of a group of the priority of coin uses the value token.

23. according to 22 method, wherein the priority be based on include following Transaction Information variable：Initiate the electronics The physical location of the retailer of wallet request；Trading volume；The type of retailer；Time of day；What day；Which week of the moon；Year Which in month；Initiate the department of the retailer of the stored value card request；The retailer's for initiating the stored value card request Passage；The mark of inspector；Initiate the parent company of the retailer of the stored value card request；It is worth the value of token；The electricity The type of sub- wallet request；Or combinations thereof.

24. according to 1 method, wherein application it is described value token at least a portion include according to specify value token can One group of configurable rule of the percentage asked with the stored value card being applied to uses the value token.

25. according to 1 method, also include：

The rule that inspection is associated with the stored value card.

26. according to 25 method, wherein check rule include：

Check the priority of the value token.

27. according to 25 method, wherein check rule include：

Check the percentage of the request；

At least a portion of the wherein application value token includes being worth token extremely by described according to the percentage A few part is applied to the request.

28. according to 1 method, wherein the stored value card includes relevant with closed loop value token and relevant with open loop Value token, methods described also includes：

The selection value token relevant with closed loop；And

Then the value token relevant with open loop is selected.

29. according to 1 method, wherein the stored value card includes the value token relevant with open loop, methods described also wraps Include：

The value token relevant with open loop is applied to the request by prevention.

30. according to 1 method, also include：

At least a portion of the value token of the stored value card is exchanged into and is not located in the stored value card At least a portion of second value token.

31. according to 30 method, also include：

Exchange rate is applied to the second value token or the property in the stored value card.

32. according to 30 method, wherein exchange it is described value token at least a portion include：

Contact second is worth token dealer；And

The second value token dealer is asked to provide the second value token.

33. according to 1 method, wherein the stored value card includes the first sub- wallet and the second sub- wallet, wherein described the One sub- wallet includes the value token, and methods described also includes：

The value token of the described first sub- wallet is put into the described second sub- wallet.

34. according to 1 method, also include：

The stored value card with the value token is provided.

35. according to 34 method, wherein it is described value token with different from purchasing price the amount of money provide.

36. according to 34 method, wherein provide the stored value card include with coupon code to it is described value token compile Code.

37. according to 34 method, wherein provide the stored value card include by it is described value token be added to the electronics Wallet.

38. according to 1 method, wherein the stored value card includes the sub- wallet specified of savings, methods described also includes：

At least a portion of the value token is put into the sub- wallet saved and specify.

A kind of 39. computer-implemented methods, including：

Determine that the request bag contains effect checking information；

It is determined that the combination of the value token being associated with the stored value card or value token disclosure satisfy that the request；With And

40. according to 39 method, also include：

Receive checking token to access the stored value card.

41. according to 40 method, wherein the checking information be based on the checking token, wherein it is described checking token include Proxy card, mobile device, password, bio-identification identifier or combinations thereof.

42. according to 39 method, wherein the stored value card include main wallet and sub- wallet.

43. according to 42 method, also include：

At least a portion of the request is processed via the main wallet.

44. according to 43 method, also include：

At least another part of the request is processed via the sub- wallet.

45. according to 42 method, wherein the main wallet includes the value token, methods described also includes：

Determine that the request is relevant with the main wallet；

At least a portion of the wherein application value token is included the value token of the main wallet at least A part is applied to the request.

46. according to 42 method, wherein the sub- wallet includes the value token, methods described also includes：

Determine that the request is relevant with the sub- wallet；

At least a portion of the wherein application value token is included the value token of the sub- wallet at least A part is applied to the request.

47. according to 42 method, wherein the stored value card include two or more value token, wherein the main money Include at least one of described two or more value tokens, wherein the sub- wallet includes described two or more Value token at least another.

48. according to 47 method, also include：

Determine that a part for the request is relevant with the main wallet；And

Determine that another part of the request is relevant with the sub- wallet.

49. according to 48 method, also include：

50. according to 45 or 49 method, wherein the value token of the main wallet is according to the main wallet or described The rule of request is applied to the request.

51. according to 46 or 49 method, wherein the value token of the sub- wallet is according to the sub- wallet or described The rule of request is applied to the request.

52. according to 42 method, wherein polymerizer system receives the request, and methods described also includes：

The part of the request is sent to third party from the polymerizer system.

53. it is a kind of for electronic purse system in sub- wallet method, methods described includes：

The request of the payment transaction of stored value card is directed to from supplier's reception processing of main wallet；

It is determined that value token disclosure satisfy that the request；And

54. according to 53 method, also include：

Determine that the request is relevant with the sub- wallet；

55. according to 53 method, wherein the sub- wallet include son-sub- wallet.

56. according to 55 method, also include：

Determine that the request is relevant with the son-sub- wallet；And

At least a portion of the wherein application value token is included the value token application of the son-sub- wallet To the request.

57. according to 55 method, also include：

Determine that a part for the request is relevant with the sub- wallet；And

Determine that another part of the request is relevant with the son-sub- wallet.

58. according to 55 method, wherein the sub- wallet include two or more value token, wherein the sub- wallet Including at least one of described two or more value tokens, wherein the son-sub- wallet is including described two or more In individual value token at least another.

59. according to 58 method, also include：

At least a portion of the value token of the sub- wallet is applied to the request；And

At least a portion of the value token of the son-sub- wallet is applied to the request.

60. according to 54 or 59 method, wherein the value token of the sub- wallet is according to the sub- wallet or described The rule of request is applied to the request.

61. according to 56 or 59 method, wherein the value token of the son-sub- wallet is according to the son-sub- wallet Or the rule of the request is applied to the request.

A kind of 62. methods for managing the content of stored value card, including：

The request relevant with stored value card is received, wherein the request bag includes stored value card request, inquiry into balance request, note Volume request, activation request, redemption request or combinations thereof；And

According to the content of the request management stored value card.

63. according to 62 method, wherein manage the content including：

At least a portion of the value token of the stored value card is exchanged into second not in the stored value card It is worth at least a portion of token.

64. according to 63 method, also include：

65. according to 63 method, wherein exchange it is described value token at least a portion include：

Contact the second value token dealer of the second value token；And

The second value token dealer is asked to provide the second value token.

66. according to 62 method, wherein the stored value card includes the first sub- wallet and the second sub- wallet, wherein described the One sub- wallet includes value token, and methods described also includes：

67. according to 62 method, also include：

The stored value card with the value token is provided.

68. according to 67 method, wherein provide the stored value card include by it is described value token be added to the electronics Wallet.

69. according to 67 method, wherein it is described value token with different from purchasing price the amount of money provide.

70. according to 67 method, wherein provide the stored value card include with coupon code to it is described value token compile Code.

71. according to 62 method, wherein the stored value card includes the sub- wallet specified of savings, methods described also includes：

At least a portion for being worth token is put into the sub- wallet saved and specify.

A kind of 72. non-transient machinable mediums including executable instruction, the executable instruction is being held One or more processors are caused during row：

Recognize the checking information of the request；

Recognize the value token in the stored value card；And

A kind of 73. non-transient machinable mediums including executable instruction, the executable instruction is being held One or more processors are caused during row：

Determine that the request bag contains effect checking information；

A kind of 74. non-transient machinable mediums including executable instruction, the executable instruction is being held One or more processors are caused during row：

It is determined that value token disclosure satisfy that the request；And

A kind of 75. non-transient machinable mediums including executable instruction, the executable instruction is being held One or more processors are caused during row：

According to the content of the request management stored value card.

A kind of 76. systems, including：

One or more processors；

Memory, it is connected at least one of one or more of processors；

The memory includes executable instruction, and the executable instruction causes one or more of places when executed Reason device：

Recognize the checking information of the request；

Recognize the value token in the stored value card；And

77. according to 76 system, wherein also causing that one or more processors receive checking token accessing the electronics Wallet.

78. according to 77 system, wherein the checking information be based on the checking token, wherein it is described checking token include Proxy card, mobile device, password, bio-identification identifier or combinations thereof.

79. according to 76 system, wherein the stored value card include main wallet and sub- wallet.

80. according to 79 system, wherein one or more of processors are also caused via the main wallet treatment institute State at least a portion of request.

81. according to 79 system, wherein one or more of processors are also caused via the sub- wallet treatment institute State at least a portion of request.

82. according to 79 system, wherein the main wallet include the value token, wherein one or more for the treatment of Device is also caused：

Determine that the request is relevant with the main wallet；And

Determine that the value token disclosure satisfy that the request.

83. according to 82 system, wherein at least a portion of the application value token is included the institute of the main wallet At least a portion for stating value token is applied to the request.

84. according to 79 system, wherein the sub- wallet include the value token, wherein one or more for the treatment of Device is also caused：

Determine that the request is relevant with the sub- wallet；And

Determine that the value token disclosure satisfy that the request.

85. according to 84 system, wherein at least a portion of the application value token is included the institute of the sub- wallet At least a portion for stating value token is applied to the request.

86. according to 79 system, wherein the stored value card include two or more value token, wherein the main money Include at least one of described two or more value tokens, wherein the sub- wallet includes described two or more Value token at least another.

87. according to 86 system, wherein one or more of processors are also caused：

Determine that a part for the request is relevant with the main wallet；And

Determine that another part of the request is relevant with the sub- wallet.

88. according to 87 system, also include：

89. according to 83 or 88 system, wherein the value token of the main wallet is according to the main wallet or described The rule of request is applied to the request.

90. according to 85 or 88 system, wherein the value token of the sub- wallet is according to the sub- wallet or described The rule of request is applied to the request.

91. according to 79 system, wherein polymerizer system receives the request, wherein one or more of processors are also It is caused：

The part of the request is sent to third party from the polymerizer system.

92. according to 76 system, wherein the request bag is included：The identity of point-of-sale terminal；Checking information；Purchase number Volume；The identity of the value token publisher；The identity of seller；The identity in place；The time of the request； The date of the request；Recognize the information of main wallet, sub- wallet or combinations thereof；Transaction data；Checking data；Or they Combination.

93. according to 76 system, wherein it is described value token include value electronic representation, wherein the electronics of the value Expression include credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, Prepaid card, reward voucher, admission card, prepayment or forward purchasing commodity or service, cash, currency, credit card account, debit-card account, Merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the promotion value of businessman's distribution, businessman receive Integration, the promotion value of businessman's receiving or combinations thereof that credit, businessman receive.

94. according to 93 system, wherein it is described value token also include have different types of at least two value electricity Subrepresentation.

95. according to 76 system, wherein it is described value token include closed loop account number, wherein application it is described value token extremely The closed loop account that a few part is associated including credit or debit with the closed loop account number.

96. according to 76 system, wherein it is described value token include open loop account number, wherein application it is described value token extremely The open loop account that a few part is associated including credit or debit with the open loop account number.

97. according to 76 system, wherein application it is described value token at least a portion include according to specify the value The configurable rule of a group of the priority of token uses the value token.

98. according to 97 system, wherein the priority be based on include following Transaction Information variable：Initiate the electronics The physical location of the retailer of wallet request；Dealing money；The type of retailer；Time of day；What day；Which of one month Week；Which of 1 year in the month；Initiate the department of the retailer of the stored value card request；Initiate the zero of the stored value card request Sell the passage (lane) of business；The mark of inspector；Initiate the parent company of the retailer of the stored value card request；Value token Value；The type of the stored value card request；Or combinations thereof.

99. according to 76 system, wherein application it is described value token at least a portion include according to specify value token One group of configurable rule of the percentage of the stored value card request that may apply to uses the value token.

100. according to 76 system, wherein one or more of processors are also caused：

The rule that inspection is associated with the stored value card.

101. according to 100 system, wherein check rule include：

Check the priority of the value token.

102. according to 100 system, wherein check rule include：

Check the percentage of the request；

103. according to 76 system, wherein the stored value card includes the value token relevant with closed loop and relevant with open loop Value token, wherein one or more of processors are also caused：

The selection value token relevant with closed loop；And

Then the value token relevant with open loop is selected.

104. according to 76 system, wherein the stored value card include the value token relevant with open loop, wherein described one Individual or multiple processors are also caused：

105. according to 76 system, wherein one or more of processors are also caused：

106. according to 105 system, wherein one or more of processors are also caused：

107. according to 105 system, wherein exchange it is described value token at least a portion include：

Contact second is worth token dealer；And

The second value token dealer is asked to provide the second value token.

108. according to 76 system, wherein stored value card include the first sub- wallet and the second sub- wallet, wherein described first Sub- wallet includes the value token, wherein one or more of processors are also caused：

109. according to 76 system, wherein one or more of processors are also caused：

The stored value card with the value token is provided.

110. according to 109 system, wherein it is described value token with different from purchasing price the amount of money provide.

111. according to 109 system, wherein provide the stored value card include with coupon code to the value token Coding.

112. according to 109 system, wherein provide the stored value card include by it is described value token be added to the electricity Sub- wallet.

113. according to 76 system, wherein the stored value card includes the sub- wallet specified of savings, wherein one or more Processor is also caused：

A kind of 114. systems, including：

One or more processors；

Memory, it is connected at least one of one or more of processors；

Determine that the request bag contains effect checking information；

115. according to 114 system, wherein one or more of processors are also caused：

Receive checking token to access the stored value card.

116. according to 115 system, wherein the checking information be based on the checking token, wherein the checking token packet Include proxy card, mobile device, password, bio-identification identifier or combinations thereof.

117. according to 114 system, wherein the stored value card include main wallet and sub- wallet.

118. according to 117 system, wherein one or more of processors are also caused：

At least a portion of the request is processed via the main wallet.

119. according to 118 system, wherein one or more of processors are also caused：

At least another part of the request is processed via the sub- wallet.

120. according to 117 system, wherein the main wallet include the value token, wherein one or more of places Reason device is also caused：

Determine that the request is relevant with the main wallet；

121. according to 117 system, wherein the sub- wallet include the value token, wherein one or more of places Reason device is also caused：

Determine that the request is relevant with the sub- wallet；

122. according to 117 system, wherein the stored value card include two or more value token, wherein the master Wallet includes at least one of described two or more value tokens, wherein the sub- wallet is including described two or more In individual value token at least another.

123. according to 122 system, wherein one or more of processors are also caused：

Determine that a part for the request is relevant with the main wallet；And

Determine that another part of the request is relevant with the sub- wallet.

124. according to 123 system, also include：

125. according to 120 or 124 system, wherein the value token of the main wallet is according to the main wallet or institute The rule for stating request is applied to the request.

126. according to 121 or 124 system, wherein the value token of the sub- wallet is according to the sub- wallet or institute The rule for stating request is applied to the request.

127. according to 117 system, wherein polymerizer system receives the request, wherein one or more of processors Also it is caused：

The part of the request is sent to third party from the polymerizer system.

A kind of 128. systems, including：

One or more processors；

Memory, it is connected at least one of one or more of processors；

It is determined that value token disclosure satisfy that the request；And

129. according to 128 system, wherein one or more of processors are also caused：

Determine that the request is relevant with the sub- wallet；

130. according to 128 system, wherein the sub- wallet include son-sub- wallet.

131. according to 130 system, wherein one or more of processors are also caused：

Determine that the request is relevant with the son-sub- wallet；

132. according to 130 system, wherein one or more of processors are also caused：

Determine that a part for the request is relevant with the sub- wallet；And

133. according to 130 system, wherein the stored value card include two or more value token, wherein the son Wallet includes at least one of described two or more value tokens, wherein the son-sub- wallet including described two or More value tokens at least another.

134. according to 133 system, also include：

135. according to 129 or 134 system, wherein the value token of the sub- wallet is according to the sub- wallet or institute The rule for stating request is applied to the request.

136. according to 131 or 134 system, wherein the value token of the son-sub- wallet is according to the son-sub- money Bag or the rule of the request are applied to the request.

A kind of 137. systems, including：

One or more processors；

Memory, it is connected at least one of one or more of processors；

According to the content of the request management stored value card.

138. according to 137 system, wherein manage the content including：

139. according to 138 system, wherein one or more of processors are also caused：

140. according to 138 system, wherein exchange it is described value token at least a portion include：

Contact the second value token dealer of the second value token；And

The second value token dealer is asked to provide the second value token.

141. according to 137 system, wherein stored value card include the first sub- wallet and the second sub- wallet, wherein described first Sub- wallet includes value token, wherein one or more of processors are also caused：

142. according to 137 system, wherein one or more of processors are also caused：

The stored value card with the value token is provided.

143. according to 142 system, wherein it is described value token with different from purchasing price number provide.

144. according to 142 system, wherein provide the stored value card include with coupon code to the value token Coding.

145. according to 142 system, wherein provide the stored value card include by it is described value token be added to the electricity Sub- wallet.

146. according to 137 system, wherein the stored value card includes the sub- wallet specified of savings, wherein one or more Processor is also caused：

A kind of 147. systems, including：

One or more processors；

Memory, it is connected at least one of one or more of processors；

Recognize the checking information of the request；

Recognize the value token in the stored value card；And

148. according to 147 system, it is described to access that wherein one or more processors are also caused receiving checking token Stored value card.

149. according to 148 system, wherein the checking information be based on the checking token, wherein the checking token packet Include proxy card, mobile device, password, bio-identification identifier or combinations thereof.

150. according to 149 system, wherein the stored value card include main wallet and sub- wallet.

151. according to 150 system, wherein one or more of processors are also caused being processed via the main wallet At least a portion of the request.

152. according to 151 system, wherein one or more of processors are also caused being processed via the sub- wallet At least a portion of the request.

153. according to 152 system, wherein the main wallet include the value token, wherein one or more of places Reason device is also caused：

Determine that the request is relevant with the main wallet；And

Determine that the value token disclosure satisfy that the request.

154. according to 153 system, wherein at least a portion of the application value token is included the main wallet At least a portion of the value token is applied to the request.

155. according to 154 system, wherein the sub- wallet include the value token, wherein one or more of places Reason device is also caused：

Determine that the request is relevant with the sub- wallet；And

Determine that the value token disclosure satisfy that the request.

156. according to 155 system, wherein at least a portion of the application value token is included the sub- wallet At least a portion of the value token is applied to the request.

157. according to 156 system, wherein the stored value card include two or more value token, wherein the master Wallet includes at least one of described two or more value tokens, wherein the sub- wallet is including described two or more In individual value token at least another.

158. according to 157 system, wherein one or more of processors are also caused：

Determine that a part for the request is relevant with the main wallet；And

Determine that another part of the request is relevant with the sub- wallet.

159. according to 158 system, wherein one or more of processors are also caused：

160. according to 159 system, wherein regular quilt of the value token of the main wallet according to the main wallet It is applied to the request.

161. according to 159 system, wherein the value token of the main wallet according to the request rule answered Use the request.

162. according to 159 system, wherein regular quilt of the value token of the sub- wallet according to the sub- wallet It is applied to the request.

163. according to 159 system, wherein the value token of the sub- wallet according to the request rule answered Use the request.

164. according to 159 system, wherein polymerizer system receives the request, wherein one or more of processors Also it is caused：

The part of the request is sent to third party from the polymerizer system.

165. according to 164 system, wherein the request bag is included：The identity of point-of-sale terminal；Checking information；Purchase gold Volume；The identity of the value token publisher；The identity of seller；The identity in place；The time of the request； The date of the request；Recognize the information of main wallet, sub- wallet or combinations thereof；Transaction data；Checking data；Or they Combination.

166. according to 165 system, wherein it is described value token include value electronic representation, wherein the electricity of the value Subrepresentation includes credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, motion The commodity or service, cash, currency, credit card account, debit card account of card, prepaid card, reward voucher, admission card, prepayment or forward purchasing Family, merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the promotion value of businessman's distribution, businessman connect What the credit received, businessman received integrate, the promotion value or combinations thereof that businessman receives.

167. according to 166 system, wherein it is described value token also include have different types of at least two value Electronic representation.

168. according to 167 system, wherein the value token includes closed loop account number, wherein the application value token At least a portion includes the closed loop account that credit or debit are associated with the closed loop account number.

169. according to 168 system, wherein the value token includes open loop account number, wherein the application value token At least a portion includes the open loop account that credit or debit are associated with the open loop account number.

170. according to 169 system, wherein application it is described value token at least a portion include according to specify the valency One group of configurable rule for being worth the priority of token uses the value token.

171. according to 170 system, wherein the priority be based on include following Transaction Information variable：Initiate the electricity The physical location of the retailer of sub- wallet request；Trading volume；The type of retailer；Time of day；What day；One middle of the month which One week；Which in 1 year in month；Initiate the department of the retailer of the stored value card request；Initiate the stored value card request Retailer passage；The mark of inspector；Initiate the parent company of the retailer of the stored value card request；It is worth the valency of token Value；The type of the stored value card request；Or combinations thereof.

172. according to 171 system, wherein application it is described value token at least a portion include according to specify value generation One group of configurable rule of the percentage of the stored value card request that coin may apply to uses the value token.

173. according to 172 system, wherein one or more of processors are also caused：

The rule that inspection is associated with the stored value card.

174. according to 173 system, wherein check rule include：

Check the priority of the value token.

175. according to 174 system, wherein check rule include：

Check the percentage of the request；

176. according to 175 system, wherein the stored value card includes the value token relevant with closed loop and has with open loop The value token of pass, wherein one or more of processors are also caused：

The selection value token relevant with closed loop；And

Then the value token relevant with open loop is selected.

177. according to 176 system, wherein the stored value card include the value token relevant with open loop, wherein described one Individual or multiple processors are also caused：

178. according to 177 system, wherein one or more of processors are also caused：

179. according to 178 system, wherein one or more of processors are also caused：

180. according to 179 system, wherein exchange it is described value token at least a portion include：

Contact second is worth token dealer；And

The second value token dealer is asked to provide the second value token.

181. according to 180 system, wherein stored value card include the first sub- wallet and the second sub- wallet, wherein described first Sub- wallet includes the value token, wherein one or more of processors are also caused：

182. according to 181 system, wherein one or more of processors are also caused：

The value token is provided to the stored value card.

183. according to 182 system, wherein it is described value token with different from purchasing price the amount of money provide.

184. according to 183 system, wherein provide the stored value card include with coupon code to the value token Coding.

185. according to 184 system, wherein provide the stored value card include by it is described value token be added to the electricity Sub- wallet.

186. according to 185 system, wherein the stored value card includes the sub- wallet specified of savings, wherein one or more Processor is also caused：

There have been described the electronic value token for allowing user's purchase, redemption and/or exchange to be located in stored value card Electronic value token transaction processing system.Those skilled in the art will be evident that, can not depart from the spirit of the disclosure With various modifications are carried out in the case of scope.Described embodiment is only representational, and is not intended as restricted. Many modifications of application disclosed herein, combination and modification are possible and in the scope of the present disclosure.Therefore, protection domain Do not limited by specification described above, but it is defined by the appended claims, the scope includes claimed subject matter All equivalents.

Claims

1. a kind of method for managing the content of stored value card, including：

The request relevant with stored value card is received, wherein the request bag includes stored value card request, inquiry into balance request, registration please Ask, activate request, redeem request or combinations thereof；And

According to the content of the request management stored value card.

2. method according to claim 1, wherein manage the content including：

At least a portion of the value token of the stored value card is exchanged into the second value not being located in the stored value card At least a portion of token.

3. method according to claim 2, also includes：

4. method according to claim 2, wherein at least a portion for exchanging the value token includes：

Contact the second value token dealer of the second value token；And

The second value token dealer is asked to provide the second value token.

5. method according to claim 1, wherein the stored value card includes the first sub- wallet and the second sub- wallet, wherein The first sub- wallet includes value token, and methods described also includes：

6. method according to claim 1, also includes：

The stored value card with the value token is provided.

7. method according to claim 6, wherein provide the stored value card to include for the value token being added to institute State stored value card.

8. method according to claim 6, wherein the value token is provided with the amount of money different from purchasing price.

9. method according to claim 6, wherein provide the stored value card including with coupon code to the value Token code.

10. method according to claim 1, wherein the stored value card includes the sub- wallet that savings are specified, methods described Also include：

A kind of 11. systems, including：

One or more processors；

Memory, it is connected at least one of one or more of processors；

The memory includes executable instruction, and the executable instruction causes one or more for the treatment of when executed Device：

According to the content of the request management stored value card.

12. systems according to claim 11, wherein manage the content including：

13. systems according to claim 12, wherein one or more of processors are also caused：

14. systems according to claim 12, wherein at least a portion for exchanging the value token includes：

Contact the second value token dealer of the second value token；And

The second value token dealer is asked to provide the second value token.

15. systems according to claim 11, wherein stored value card include the first sub- wallet and the second sub- wallet, wherein institute Stating the first sub- wallet includes value token, wherein one or more of processors are also caused：

16. systems according to claim 11, wherein one or more of processors are also caused：

The stored value card with the value token is provided.

17. systems according to claim 16, wherein the value token is provided with the number different from purchasing price.

18. systems according to claim 16, wherein provide the stored value card including with coupon code to the valency Value token code.

19. systems according to claim 16, wherein provide the stored value card to include being added to the value token The stored value card.

20. systems according to claim 11, wherein the stored value card includes the sub- wallet that savings are specified, one of them Or multiple processors are also caused：