JP2014519657A - System for payment via electronic wallet - Google Patents

Abstract

  A method comprising receiving an electronic wallet, a part of a transaction, an electronic wallet optionally with a sub-wallet, and a request to process a transaction processed for the wallet and / or sub-wallet . The method further includes identifying one or more electronic value tokens in the electronic wallet and / or sub-wallet that, when used together, will cover part of the transaction. The method further includes applying the electronic value token to a portion of the transaction.

Description

Cross-reference to related applications.This application was filed on May 31, 2011, and US Provisional Patent Application Nos. 61 / 491,791 and 61 / 491,813, both entitled “A System for Payment via Electronic Wallet,” 2011 Claiming priority to U.S. provisional patent application numbers 61 / 496,397 and 61 / 496,404 filed June 13, and entitled `` System, Method, and Apparatus for Creating and Distributing a Transaction Credit '', each of which Which is incorporated herein by reference in its entirety.

  This application is also incorporated by reference in its entirety for the following disclosure, subject matter and concepts: US filed August 7, 2009, and entitled “Transaction Processing Platform for Facilitating Electronic Distribution of Plural Prepaid Services” Patent Application No. 12 / 538,083, which is a continuation of U.S. Patent Application No. 12 / 338,854 filed on December 18, 2008, which is a U.S. patent application filed on September 6, 2007 No. 11 / 851,337 (currently U.S. Pat. No. 7,477,731), which is a continuation of U.S. Patent Application No. 11/007662 (currently U.S. Pat. No. 7,280,644) filed Dec. 7, 2004; U.S. Patent Application No. 13/040074 filed March 3, 2011, and entitled "System and Method for Electronic Prepaid Account Replenishment"; filed April 9, 2004, and "System and Method for Distributing Person Identification Numbers Over a Computer Network table U.S. Patent Application No. 10 / 821,815; filed May 24, 2010 and entitled "System and Method for Distributing Person Identification Numbers Over a Computer Network", U.S. Patent Application No. 12 / 786,403; 2010 2 US patent application Ser. No. 12 / 711,211 filed Mar. 23, and entitled “System and Method for Distributing Person Identification Numbers Over a Computer Network”; and filed Mar. 8, 2010, and “Systems and US Patent Application No. 12 / 719,741, entitled “Methods for Personal Identification Number Distribution and Delivery”.

  The electronic trading market is currently flooded with many types of credit cards, debit cards, stored value cards and loyalty cards, all of which can be provided by different issuers, vendors and providers.

  Some of the cards are designed to be redeemed from retailers, while others can be redeemed by financial institutions. Other cards have a sales promotion function like a patron card, for example. However, the increasing amount and complexity of cards makes organization and redemption increasingly difficult and therefore potentially hinders market growth. For example, the user does not know that the user has a stored value card for a particular store during a purchase at the store because the user has too many stored value cards. Or may not remember.

  Also, the user may not understand the various types of promotional activities available to him using the card in combination with a loyalty card and, therefore, the benefit from the promotional activity applicable to the user's purchase. You may not get. Historically, cards have been implemented in tangible media such as plastic and are therefore affected by loss, theft, or simply being placed at home when needed. Because of the sustained growth of card-based processing offerings offered to customers, many customers have their credit, debit, stored value, patrons and other types of cards issued by retailers, vendors and providers All of this is faced with the burden of managing, managing, tracking, carrying and storing. What customers today need is a more efficient, secure and effective way to obtain and use assets associated with these cards.

  In certain aspects, a computer-implemented method and apparatus, including a computer-implemented method and system for executing an electronic wallet, is disclosed herein and valued to / from an electronic wallet or part thereof (eg, a sub-wallet). It is described to include functions such as adding / redeeming tokens. In one embodiment, the method includes receiving a request to process all or part of a payment transaction for an electronic wallet or sub-wallet. The method further includes identifying one or more value tokens in a wallet or sub-wallet that covers all or part of the payment transaction when used together. The method further includes applying an electronic value token to all or part of the payment transaction.

  In another embodiment, a fixed, machine-readable storage device, when executed, causes one or more processors to receive a request and to send an electronic sub-wallet, part of a payment transaction, sub-wallet. Electronic wallet provided, including executable instructions to process payment transactions processed for the wallet. The processor will further identify one or more value tokens in the sub-wallet and cover a portion of the payment transaction when used together. The processor further applies the electronic value token to a part of the payment transaction.

  In another embodiment, the system includes one or more processors and a memory to which the one or more processors are connected. The memory, when executed, causes one or more processors to receive the request and for the electronic sub-wallet, part of the payment transaction, the electronic wallet with the sub-wallet, the payment transaction processed for the wallet Executable instructions to be processed. The one or more processors will further identify one or more value tokens in the sub-wallet and when used together it will cover a portion of the payment transaction. The one or more processors further cause the electronic value token to be applied to a portion of the payment transaction.

  In one aspect, the electronic value token trading computer includes a point-of-sale (POS) interface and a sorting unit, and the data store connected to the stored value card trading computer includes an electronic wallet unit. The POS interface receives the request, and the sorting unit identifies one of the requests as an electronic wallet request that includes authentication information. The electronic value token transaction computer accesses the electronic wallet via the electronic wallet unit associated with the authentication information. The electronic value token transaction computer examines the rules associated with the electronic wallet and selects an electronic wallet value token that, when used together, will cover the electronic wallet request based on the rules. The electronic value token trading computer applies the electronic value token to the electronic wallet request.

1 is a schematic diagram of an electronic value token transaction processing system according to at least one aspect. FIG. 1 illustrates an exemplary embodiment of an electronic wallet. 1 is a schematic diagram of an electronic value token transaction processing system according to at least one aspect. FIG. 1 is a schematic diagram of an electronic value token transaction processing system according to at least one aspect. FIG. 1 is a schematic diagram of an electronic value token transaction processing system according to at least one aspect. FIG. 1 is a front perspective view of a representative individual proxy card according to at least one embodiment. FIG. 1 is a front perspective view of a representative individual proxy card according to at least one embodiment. FIG. 1 is a front perspective view of a representative individual proxy card according to at least one embodiment. FIG. 2 is a front perspective view of an exemplary personal digital in accordance with at least one embodiment. FIG. 6 is a flowchart illustrating an exemplary process utilized by an electronic value token trading computer for creating an electronic wallet in accordance with at least one aspect or adding / redeeming a value token to / from an electronic wallet. 6 is a flowchart illustrating an exemplary process utilized by an electronic value token trading computer for creating an electronic wallet according to at least one aspect, or adding / redeeming a value token to / from an electronic sub-wallet. Fig. 4 illustrates a particular machine suitable for carrying out certain aspects of the disclosure. Fig. 4 illustrates a series of user interface screens and prompts in accordance with at least one aspect. Fig. 4 illustrates a series of user interface screens and prompts in accordance with at least one aspect. Fig. 4 illustrates a series of user interface screens and prompts in accordance with at least one aspect. Fig. 4 illustrates a series of user interface screens and prompts in accordance with at least one aspect.

  An efficient, secure and effective method for organizing, managing, transporting, storing and using all forms of assets associated with credit, debit, loyalty and stored value type cards is described herein. And the disclosed method incorporates an electronic wallet (“e-wallet”). As shown in FIG. 1B, the electronic wallet includes authentication information, rules for use, sub-wallets (eg, to maintain credit card related information, debit card related information and stored value card related information separately) and electronic Electronically, which may include value tokens (e.g., electronic representations of financial and / or other values associated with credit card related information, debit card-related information and stored value card related information contained in an electronic wallet / sub-wallet) It is a maintained data file. In certain aspects, as reflected in FIGS. 6A-D, the user creates an electronic wallet, establishes rules for the electronic wallet, provides the electronic wallet, and accesses the electronic wallet for electronic transactions. Can be promoted.

  In addition, the electronic value token transaction processing system disclosed in this specification, as shown in FIGS. 1A, 2A-B and 4A-B, can be used by users, retailers, vendors, issuers, providers and other interested parties. Providing an efficient, secure and effective system for facilitating the organization, management, transport, storage and use of the aforementioned electronic wallets and electronic value tokens in financial transactions.

  As will be described more fully herein, there are certain basic concepts and functions used by electronic wallets and systems that can be used. These concepts create an electronic wallet, supply it to an electronic wallet (eg, convert a contact card to an electronic value token, and associate an electronic value token with an electronic wallet, or associate an electronic value token with an electronic wallet. Requesting), accessing the electronic wallet, and establishing rules for the use of the electronic wallet.

  In addition, as will be more fully described herein, an electronic wallet may be used by an electronic wallet provider to determine the contents of an electronic wallet (eg, a primary electronic wallet, any sub-wallet or secondary wallet, and the like) You may use in the system which manages the whole of a related electronic value token. Alternatively, an electronic wallet is one in which an electronic wallet provider manages only a portion of the contents of an electronic wallet (eg, a primary electronic wallet and an electronic value token therein) and one or more (or all) sub-wallets. Alternatively, it may be used in a system that delegates management of the secondary wallet to a third party electronic value token transaction processing system.

  As will be described in further detail herein, either of the two described management systems allows the user of the system to fully manage the functionality of the user's electronic wallet; To participate in a value-added / bonus program provided by a party associated with a party, vendor and / or other electronic value token; to participate in a card exchange function (e.g. Exchange electronic value tokens maintained in that electronic wallet for electronic value tokens, not in the wallet); and in saving programs offered by issuers, vendors and / or other parties associated with electronic value tokens It may be configured to participate.

  FIG. 1A illustrates an exemplary electronic value token transaction processing system 100. Specifically, FIG. 1A illustrates that an electronic value token transaction computer 150 is configured for communication with a POS device 111, one or more authentication systems 160 (eg, retailers, banks and credit cards) and a data store 180. This is illustrated. Moreover, FIG. 1A shows that the POS device 111 is in communication with the proxy card 200 (which will be shown below to represent an aspect of the means for the user to access the electronic wallet) and the data store 180 It is illustrated that it includes an electronic wallet unit 199 which in turn includes the electronic wallet 10.

  FIG. 1B illustrates an electronic wallet 10 according to one embodiment, and details of the electronic wallet 10 may be used in any of the various embodiments disclosed herein (eg, FIGS. 1A, 2A). And the maintenance of the electronic wallet 10 may be performed as a whole by a single electronic wallet system (eg, the electronic value token transaction processing system 100) or multiple electronic wallet systems It should be understood that the electronic value token transaction processing systems 1100 and 1200 and the electronic wallet aggregator system 1000 may be distributed across the network.

  Specifically, FIG. 1B shows authentication information 801, rules 802, electronic value token 804, sub-wallet 807 for credit card electronic value token, sub-wallet (with corresponding rule 817 and electronic value token 827), debit card Electronic with sub-wallet 808 for electronic value token (with corresponding rule 818 and electronic value token 828) and sub-wallet 809 for stored value card electronic value token (with corresponding rule 819 and electronic value token 829) A wallet 10 is illustrated. 1A and 1B can be further understood from the discussion below.

  In order to eliminate the complexity of consolidation, transportation, security and redemption, the transaction card is stored electronically as a value token in the electronic wallet. As used herein, a value token refers to an electronic ID that can be used to conduct business with a party that is willing to accept an electronic value token, for example, as an application for purchase. Examples of such value tokens are electronic representations and associated credit cards, debit cards, gift cards, prepaid telephone cards, loyalty cards, members of stored value cards (also called prepaid cards) Includes other physical representations of various types of value, such as ship cards, tickets or ticket cards, entertainment cards, sports cards, prepaid cards, coupons, admission passes, prepaid or pre-purchased goods or services, etc. In some cases, the value token includes cash or currency. In some embodiments, the electronic value token includes a credit or debit card or account. In certain aspects, the value token includes an existing account, such as a merchant account, a bank account, etc. In certain aspects, the value token includes credit, points, coupons or promotional values issued and / or authorized by the merchant. In certain aspects, a value token is associated with a prepaid card or account, and unless otherwise stated, the various aspects described herein can be implemented in association with an account such as a prepaid card or a merchant gift card. Should be understood.

  A physical credit card, debit card, stored value card or other physical representation of value may be converted to a value token and added to the electronic wallet. For example, a physical gift card or other physical representation of value can be converted to a value token in the user's electronic wallet via a POS device, mobile phone, computer, short message service (“SMS”), etc. Good. Once so converted, the electronic value token may be redeemed by the user after authentication without possessing a physical representation such as a gift card by accessing the user's electronic wallet during purchase. .

  Thus, the use of the term value token herein refers to electronic and physical representations that can be converted to electronic representations. In at least one embodiment, the physical gift card does not function after conversion. In an alternative embodiment, the physical gift card will not function after redemption of the electronic value token using the electronic wallet or physical gift card.

  Value token customer applications typically include vendors, repurchasing retailers or retailers and issuers. In various aspects, the vendor, the redeeming retailer, and the issuer may be the same, different, or related entities. A vendor may be a POS where a value token is purchased or otherwise made available to the contents of an electronic wallet. Thus, vendors sell electronic value tokens themselves, but electronic value tokens may be redeemed at another sales office. An entity that will receive a value token for a commercial transaction, for example as a purchase offer, may be referred to as a repurchasing retailer or retailer.

  For example, a grocery store may sell clothing store electronic value tokens. A grocery store is a vendor, and a clothing store is a retailer or retailer that reimburses. An entity that provides financial support and / or payment processing for a given value token, such as a prepaid card or account, may be referred to as an issuer.

Issuers include direct issuers of value tokens, such as store brand value tokens (eg, store brand prepaid cards or tokens issued directly by retailers, sometimes referred to as closed loop prepaid cards), and several In an aspect, the vendor can also be an issuer and / or a redeeming retailer (eg, a prepaid card or token issued, sold, and redeemed by the same retailer). In addition, issuers include financial institutions such as banks, VISA, MasterCard, American Express, etc., and value tokens issued by such institutions are retailers that are reimbursed for many transactions such as purchases. (These are sometimes referred to as open-loop prepaid cards or tokens because they can be redeemed at many different retailers).

  The issuer may also be a provider of branded electronic wallets such as Google, Facebook, Twitter, etc., and in some embodiments, such branded wallets may be issued by an issuer (eg, Google “cash” or credit, Pay Pal Currency, Facebook e-currency, etc.) and a token containing a gift card-related value token, a sub-wallet containing a credit card-related value token, a sub-wallet containing a debit card-related value token, or a combination thereof It may contain or be associated with a wallet.

  In general, the electronic value token trading computer 150 credits or debits the account associated with the electronic value token contained in the electronic wallet or sub-wallet (or other measures of the type described herein). take). The electronic value token transaction computer 150 may allow the authentication system 160 to credit or debit the account associated with the electronic value token (or take other measures of the type described herein). A message may be generated or sent to the authentication system 160 as may be done. A confirmation message is returned to the electronic value token transaction computer 150 and the POS device 111, and the electronic wallet 10 or the sub-wallet is updated as necessary.

  In at least one aspect, the transaction information is separated from the authentication information. For example, information about purchased items, purchase price, purchase location, etc. is considered transaction information and is separated from authentication information such as an authentication token, PIN, account number, etc. Among other things, maintaining information separately allows for separate processing and routing, allowing greater efficiency and privacy. For example, when applying an electronic value token according to a changeable rule, the priority is the physical location of the retailer that originates the electronic wallet request; transaction volume; retailer type; time of day; day of week; week of month; year The month of the retailer that makes the electronic wallet request; the retailer lane that makes the electronic wallet request; the checker identification; the parent company of the retailer that makes the electronic wallet request; the value token value; and the electronic wallet in various aspects It may be based on transaction information variables such as the type of request. Such transactions or authentication information may be used for security purposes in combination with rules-based decision making (eg, reviewing such transaction data to confirm and apply promotions associated with the transaction), etc. It may be used by the system described herein to (eg, match such transaction data against a predetermined profile to assist in fraud detection).

  In at least one aspect, the wallet provider takes the place of the purchaser and redemption of the electronic value token occurs after purchase. However, this time lag creates a contradiction in retailer records. Specifically, the retailer records the transaction between the retailer and the wallet provider. The retailer records subsequent redemptions through the value token for no purchase in appearance. In these examples, a third party administrator is required that can link redemption with the transaction.

  There are many ways to supply or add value tokens to an electronic wallet. For example, the user may pay the value token to the vendor, and the vendor may place the electronic value token in the user's wallet. Alternatively, the user may obtain a physical representation of an electronic value token from the vendor (eg, card, note, printed receipt, etc.) and then the value in the electronic wallet (eg, telephone or internet access) (Via the user interface). The user may have many different retailer options in conjunction with the vendor. In other words, a given vendor may provide multiple tokens associated with different retailers. For example, a retailer may provide a promotion to compete with a user's business when purchasing a value token such as a prepaid account.

  Each retailer may define a specific format for the value token. For example, one retailer may require a 16-digit card number plus a 4-digit month / year expiration date. Other retailers may request a pin number, access number, card verification value number, card security code number, etc. Each one piece of information about different retailers may have different formats as well as different names. Thus, an electronic wallet provider or host (eg, a primary electronic wallet provider) can provide electronic representations of various types of value tokens, such as stored value cards, credit cards, debit cards, loyalty and promotional cards, and primary electronic wallets. It would benefit by allowing third party management for other subsets of value tokens that would be more expensive to manage by the provider.

In certain aspects, a value token associated with a prepaid card or account may be associated with a sub-wallet in an electronic wallet (eg, a primary such as a Google electronic wallet, a sub-wallet of a branded electronic wallet), and a third party May manage sub-wallets for primary / primary e-wallet hosts or providers. For example, during a transaction that includes a value token associated with a prepaid card or account (eg, an electronic or virtual stored value card), an e-wallet provider may sometimes sub-transaction into a sub-wallet associated with such a value token. It is possible to get control of a part of the transaction. In certain aspects, sub-transactions include transactions associated with an electronic prepaid card or account, such as redemption, value addition (eg, replenishment), activation, closure, fraud detection, etc. Specifically, the third party administrator can manage transactions quickly and cheaply, including, but not limited to, determining and / or providing appropriate formatting for sub-transactions, and Sub-transactions can be performed independently and / or in concert with the primary electronic wallet host or provider. Such formatting includes the details of information / data contained in a given value token (eg, card number, security code, other types) or related information and / or information or data related to a particular transaction (eg, , Process transactions, and data characteristics such as card type, transaction type, security code, etc., to the messaging field or other data formats for receipt / send, reconciliation, packaging, etc.) obtain. For example, a third party can pass an appropriate transaction formatting template to the primary wallet provider. In at least one embodiment, the third party administrator requests the user to identify the retailer associated with the transaction, determined from the request. Preferably, the third party administrator maintains a database of multiple transaction types associated with multiple retailers. After determining the identification of the retailer associated with the transaction, the third party administrator uses the format database to identify the associated transaction type for the identified retailer, and all subsequent processing It is done using a trade format and vocabulary specific to the merchant.
In some embodiments, the user may add a value token to the electronic wallet using a physical stored value card. The user identifies the retailer associated with the stored value card, eg, via a user interface located at a POS (in some embodiments, including a POS associated with a personal computer such as online shopping via a website) You are asked to do that. In another aspect, the user provides information associated with the stored value token via a web-based or personal digital assistant interface (eg, a mobile phone app). Thus, based on the data provided by the user, the appropriate format may be referenced from the database, and the user will be able to refer to the physical stored value card along with specific input information highlighted on the pictorial representation or mockup. Other mock-up representations of Thus, the user knows exactly which input is required to add an electronic value token to the electronic wallet. Information entered by the user from the mockup may be in a suitable format and / or further modified, packaged, etc. by a third party administrator to meet further formatting requirements.
The example described is simple, but more complex transactions are possible. As will be described more fully herein, (i) transactions involving the use of primary and / or sub-wallet value tokens for a portion of the transaction are (ii) primary and / or sub-wallet Treated in the same way as exchanging a value token for a value token associated with other types of value tokens or other retailers. For example, a user may wish to exchange a value token associated with a retailer that the user does not frequent with a value token associated with the retailer that the user frequents. In addition, the third-party administrator can specify the transaction type associated with the identified retailer for the financial account reconciliation table for the transaction or sub-transaction (eg, debit and credit the prepaid account). May be used. In this example, the use of a suitable transaction format is not only convenient, but often required.

  As described above, an electronic sub-wallet is a specifically defined portion of an electronic wallet that is installed in or associated with a particular electronic wallet (eg, a primary or primary wallet). The sub-wallet may be managed / maintained by a primary or primary electronic wallet administrator, processor and / or provider, or may be managed by another party, system, processor, subroutine or server. Separate management of the electronic sub-wallet allows the primary electronic wallet provider and user to gain economies of scale. For example, all electronic value tokens may be stored in one sub-wallet, while credit and debit cards are stored in a primary electronic wallet or a separate electronic sub-wallet. Thus, the primary e-wallet provider may manage / perform transactions relating to value tokens associated with credits and debit cards to which the primary e-wallet belongs, while a third party may Manage / perform transactions on associated value tokens, freeing third parties from costly banking and credit control. Moreover, a third party administrator can use the economy of scale to receive payment for its services via exchange arbitrage, fees, wages per transaction or the like.

  Through separate management of the sub-wallet, a third party administrator (eg, the administrator of the electronic sub-wallet associated with the electronic prepaid account) provides convenience for both the user and the primary electronic wallet provider. Often, a third-party administrator has the knowledge and expertise to process a financial account reconciliation or other transaction associated with an electronic prepaid account associated with a given issuer (e.g., required transactions). Is the only entity with a database of the format). For example, a third party administrator may be the only entity that can query a particular transaction on a retailer's book for a specific use of a value token or electronic wallet. As discussed in more detail herein, in some aspects, the third party administrator may contact the primary host or provider of an electronic wallet, such as a branded electronic wallet, for example, one or more electronic sub-wallets. (E.g., an electronic sub-wallet associated with an electronic prepaid account such as a closed loop account issued for one or more retailers) described in combination with an electronic value token trading computer 150 Perform, perform and / or assume all or part of the functionality.

  Access to the electronic wallet may be gated or protected by an authentication token or other means to ensure access to the electronic wallet, examples of which are proxy cards or personal digital assistants or smartphones Including mobile devices. Other aspects for access to the electronic wallet include cardless access such as number / password combinations, passwordless numbers and the like. Biometric information may also be used for authentication and access purposes, such as fingerprints or iris prints. Near field communication technology may also be used to execute the authentication token. Near field communication technology may be implemented at a physical POS or combined with online transactions. In any situation, near field communication technology is performed by the user via a proxy card (eg, 200, 201 or 203), personal computer, personal digital assistant, smartphone 204 or other online transaction-related device. May be. Accordingly, the authentication token may be tangible, intangible or a combination thereof. In certain aspects, an authentication token may be generated, created and / or formed at the beginning of an electronic transaction so as to uniquely identify the electronic transaction. In one aspect, the uniquely generated authentication token includes an electronic wallet ID, merchant identifier, POSID, electronic value token ID, electronic value token issuer ID, electronic value token transaction processor ID, or a combination of these elements. May be. In another embodiment, the uniquely generated authentication token may be entirely unique and may not include any part of any previous ID.

  Examples of proxy cards are shown in FIGS. 3A, 3B and 3C. FIG. 3A shows a proxy card 200 on which authentication information 211 is encoded on a card 200 by means of a bar code that can be read by an optical scanner. FIG. 3B shows a proxy card 201 in which authentication information 211 is encoded on a magnetic strip located on the card 201. FIG. 3B shows a proxy card 203 in which authentication information 211 is encoded on the near field communication chip on the card 201. In some embodiments (the proxy card may have a magnetic strip and a barcode (or multiple magnetic strips or barcodes), and one or more of such includes authentication information 211. Proxy cards 200, 201 and 203 are made of a suitable first material, such as plastic, paper, plastic coated paper, laminate or combinations thereof. Typically produced in a thickness range of about 0.040 inches, proxy cards 200, 201 and 203 are each associated with an electronic wallet, with authentication information 211, eg account number, number value, authentication code, digital Has signature, electronic key or key code and RFID chip / data, etc. Proxy card authentication information 211 is proxy card And in some embodiments, such association is stored in a database accessible by an administrator of the electronic wallet.Authentication information 211 is stored on the proxy card 200. 3A on the barcode, on the proxy card 201 on the magnetic strip as shown in FIG. 3B, on the proxy card 203 on the proxy card 203 as shown in FIG. The proxy cards 200, 201, and 203 may be coded with a personal identification number or PIN to be entered during the transaction, and this is stored in the authentication information 211. And access and / or use of an electronic wallet In some embodiments, the PIN is a bar code, magnetic strip, a series of numbers, a series of In some embodiments, the PIN may be obscured from appearance by packaging with an obscuring material, such as on a scratch card strip or a release marker or a combination thereof. In some embodiments, the proxy card is a card security code (CSC), a card verification value (CVV or CV2), a card verification value code (CVVC), a card verification code (CVC), a verification code (V-code or V code) ), Card code verification (CCV), credit card ID (CCID) or a combination thereof, such code (along with any other authentication data or tokens described herein) Started at POS along with electronic wallet payment for purchase transactions May be used for authentication or authentication transactions.

  FIG. 3B shows a proxy card 201 in which authentication information 211 is encoded on a magnetic strip located on the card 201. The magnetic strip may be made from a conventional configuration such as that deposited from a slurry located on the card 201, so that this is a magnetic strip reading facility such as a Tranz terminal made by Verifone. Can be scanned. For additional security, the authentication information 211 may also be subjected to an encryption algorithm prior to encoding on the magnetic strip.

  In at least one embodiment, proxy card 200 includes a barcode, such as a UPC code (eg, GS1-128 or UCC / EAN-128) located on proxy card 201, so that this is a well-known bar code. Can be scanned by a code reading facility. The expression of the authentication information 211 is encoded in a barcode on the proxy card.

  In other embodiments, a series of numbers, a series of letters, or a combination thereof is read or interpreted by a device configured to interpret a series of shapes corresponding to a human or package identifier, i.e., an optical character recognition device. May be placed on the proxy cards 200 and 201. In various aspects described herein, any suitable authentication token described herein may be used, such as a virtual or cardless authentication token, a mobile phone, etc.

  In a further aspect, for example, the proxy card 203, near field communication technology, wireless automatic identification (RFID) tag, microprocessor and / or microchip are on the proxy card as interpreted by a specifically configured device. May be placed. RFID tags, microprocessors and / or microchips may be used in addition to or instead of barcode 255 on proxy card 200 and magnetic strip 256 on proxy card 201, or authentication on these or proxy cards It may be used in combination with other means of encoding information. Alternatively, such RFID or other means such as near field, Bluetooth® may be used by a user operated device (eg, a personal digital assistant such as a smartphone) to provide electronic wallet access and / or An authentication function may be provided. In certain aspects, the authentication token is associated with a personal digital assistant, such as smartphone 204, as illustrated in FIG. 3D. For example, an electronic wallet stored and / or accessed via a telephone may include an authentication token, or hardware and / or specific electronic data that the telephone itself serves as a token for authentication. (For example, authentication data such as a number value, MAC address, SIM card, digital signature, electronic key, user ID, telephone number, passcode, etc.) may be included. Such a phone may use near field communication to communicate data associated with an authentication token with a POS device for authentication and transaction purposes. For example, the phone may pass near the POS device and may transfer user and / or wallet information and authentication information to the POS device using a near field communication protocol. The phone may transfer all or part of the wallet and / or authentication information and leave the POS device to determine which part can be applied to the current transaction, or the phone may apply the current application of the information Only as much as possible, ie information used during the current transaction, may be transferred to the POS device. That is, the logic regarding the transfer of the authentication token (eg, telephone) and the wallet and / or authentication information to / from the POS device may belong to the authentication device, the POS device, or both. In certain aspects, the phone provides hardware and / or software for authenticating the user, such as a camera or scanner and associated applications for confirming biometric information associated with the user. Well, and as soon as the user is authenticated, the phone will convey good authentication to the POS device. In another example where a POS device may be a wallet host or provider (eg, primary electronic wallet host) and any sub-wallet may communicate with the host or provider, eg, a third party administrator, the POS device is a wallet host. Only or with a provider (eg, primary electronic wallet host), and a wallet host or provider may communicate with a third party administrator, eg, a sub-wallet host or administrator. Despite the multiple configurations enabling communication, the parties can use a scalable architecture, so transactions can still be made in real time without delay to the customer.

  In one aspect, the authentication device is a proxy card. The proxy card is not a physical card, but the customer knows how to use the electronic value token, so the appearance of the proxy card is similar to a credit card, debit card or stored value card, and it Will help access to. Thus, a customer may think of a proxy card as multiple cards combined into one, or simply a proxy card itself as an electronic wallet, despite being a physical representation. The authentication token may take and / or be associated with a tangible or intangible aspect such as a mobile device, personal identification number, telephone number plus personal identification number, password, username plus password, biometric ID and the like Good. The authentication token includes, provides, and / or associates authentication information (eg, electronic authentication data or information) that associates the user with the electronic wallet. Therefore, a plurality of value tokens included in the electronic wallet (or its sub-wallet) are associated with the user.

  Returning to FIG. 1A, the electronic value token transaction computer 150 accesses the electronic wallet 10 from the data store 180. The prepaid or stored value card electronic value token may include an electronic expression such as a gift card, a patron card, or a sales promotion. The POS device 111 obtains authentication information from the electronic wallet user via an authentication token such as a smartphone or a proxy card 200, and the authentication information (and some of the value token information as part of the transaction request). (E.g., rules for assigning the contents of the electronic wallet to the requested transaction) are sent to the electronic value token transaction computer 150. The electronic value token trading computer 150 uses the authentication information to place the correct electronic wallet 10 or sub-wallet in the data store 180 and acts on the electronic value token (eg, adding a value token to the main wallet or sub-wallet) , Activate the value token, debit the value token, report the value token, check the value token balance, etc.) or investigate the rules against the requested information (requested, electronic value token) Associate with electronic wallet by transaction processing system 100, 1100, 1200 or a combination of these). For example, for purchase transactions, the electronic value token transaction computer 150 may make purchases based on rules, for example, rules associated with the order or priority at which the value token is applied or redeemed to cover the purchase price. Select the electronic value token to cover.

  As shown in FIGS. 2A and 2B, the electronic value token trading computer 150 includes a rules unit 159. The rules unit 159 is provided, selected, and / or required by an electronic wallet user, an electronic wallet provider, an electronic wallet accepting retailer, an electronic value token issuer, an electronic wallet transaction system administrator, and combinations thereof. Provides functions for processing, managing, associating and executing electronic wallet (and sub-wallet) rules. The rules unit 159 may function to associate provided, selected, and / or requested rules with the electronic wallet and sub-wallet maintained in the database 180 and / or the electronic wallet unit 199. Rule unit 159 is a rule for deriving a rule to be applied to a transaction in the absence of (or instead of) any particular rule provided or provided by any other rule assigning entity An engine may be included. The rules unit 159 can: (i) electronic wallet user input (eg, via kiosk, smartphone, personal digital assistant and internet accessible user interface); electronic wallet provider input; (iii) electronic wallet system administrator's Electronic wallet / sub-wallet rule data may be provided such that data is read via input; (iv) or any combination thereof. For example, an e-wallet user will detail via the kiosk 189 connection the e-value token transaction computer 150 and the format that e-value tokens contained in the e-purse should be preferred for use in fulfilling the transaction Specific customized rules may be provided. Alternatively, the same electronic wallet user can simply select the type of rule that can be applied to the electronic wallet from the list of options provided by the 189 displays of the kiosk. In addition, for example, certain legislation, regulations, and / or policies require savings (eg, transfers from saving-only e-wallets that require e-wallets to be limited to the selected number of transactions per period). ).

  In certain aspects, the rules can be configured when created by a user as a flowchart for selection of value tokens based on purchase information. For example, the rules include the selection of closed loop related (store X branded) value tokens for any amount of store X purchases, open loop related (credit card Y) to fund such a dunning ) May be included, along with any remaining purchase balance to cause selection of value tokens. Alternatively, the user should not use an open loop-related electronic value token to satisfy the balance for a closed-loop related electronic value token purchase, but rather a debit card-related electronic value token belonging to an electronic wallet will instead A rule may be invoked that specifies that it should be used to fill the balance. Thus, a user may access and apply multiple value tokens depending on the efficiency of using one authentication token (eg, one proxy card or smartphone). For example, a user may use an electronic gift card, electronic coupon and two electronic credit cards from the entire electronic wallet or sub-wallet, all with only one physical card such as a prepaid, debit or credit card. Happens at the time of use. Users, retailers, issuers, vendors, retailers, advertisers and other parties can save time, access multiple sources of value quickly (eg, multiple accounts associated with different value tokens) ), Promotional opportunities, transaction tracking and data mining on customer purchase behavior, promotions and advertising effectiveness, real-time / location of product selection or purchase promotions opportunities, and other benefits.

  In another aspect, the rules may be established by an electronic wallet system provider (eg, a primary and / or secondary electronic wallet provider or host). The e-wallet system provider assigns an e-wallet when there is no user-established rule available (or prior to the specified transaction act under the user's e-wallet management agreement) Rules may be established. For example, an electronic wallet system may first be applied to an electronic wallet system provider's own branded electronic value token belonging to the user's electronic wallet, where the transaction is related, related, or affiliated with the electronic wallet system provider and / or Or rules may be introduced that direct the electronic value token transaction computer 150 to satisfy the requested transaction when including contractually related entities. Therefore, this type of rule will not provide revenue or other business objectives and other synergies based on the use of the electronic wallet system to the provider and its affiliates and / or contractually related entities for the electronic wallet system. Can be maximized.

  In a further aspect, electronic wallet rules may be made to automatically direct electronic value token exchange activities (electronic value token exchange is discussed in more detail herein). For example, an e-wallet user may present an e-wallet at an opportunity to satisfy a transaction at a retail store, for example, retailer Q, and the e-wallet does not include a retailer Q brand e-value token, Automatically and in real time, the electronic wallet may manage the electronic wallet to communicate the electronic value token exchange to the electronic value token trading computer 150 (e.g., FIG. As described in more detail herein for 6A-6D). Additionally or alternatively, the user may present a promotion to obtain retailer-specific value tokens in real time (eg, real-time offer for store brand value tokens such as accounts receivable). In this example, the electronic wallet user may manage the electronic wallet so that all electronic value tokens associated with the prepaid service (gift card-type electronic value token) are placed in the designated sub-wallet, Each said electronic value token is a priority ranking system, eg most preferred electronic value token or token type (eg # 1), least preferred electronic value token or token type (eg # 22, 22 types of electronic It may be placed / commanded / specified in the sub-wallet via a value token). For example, an electronic value token for retailer M brand may be designated as most preferred, and an electronic value token for retailer L brand may be designated as least preferred. In a further example, the electronic wallet is also the retailer's electronic value token, such as the retailer Q scenario described above, in situations where the electronic wallet has been presented to facilitate transactions at the retailer. (The e-wallet will recognize the retailer based on the exchange of information between the e-purse and the retailer's communication device at the beginning of the original transaction) To initiate an electronic value token exchange request, and in said request, the most unfavorable exchange electronic value token belonging to the electronic wallet, i.e. the retailer L brand electronic value token (# 22) and, if necessary, the original transaction Include preferred electronic value tokens # 21, # 20, etc. for a sufficient amount of merchant Q electronic value tokens to meet the amount of It has provided the rules by kicking the user. Upon receiving an electronic value token exchange request, the electronic value token trading computer 150 was requested to communicate with the electronic value token exchange program 2000 (which is part of the entire electronic value token trading system 100, 1100 or 1200). Perform electronic value token exchange. The requested electronic value token exchange takes place and the electronic wallet receives the requested retailer Q brand electronic value token, which is used at the same time as the original transaction, the electronic wallet is the retailer L brand Pass the electronic value token to the electronic value token trading computer 150 (or make it unavailable for use and only available for modification), in this case the requested retailer Q brand electronic value It was an actual value that exceeded the token. Thus, the electronic value token trading computer 150 modifies the value of the retailer L brand electronic value token (either internally or via communication with the retailer L brand electronic value token issuance system). Extract the exchange rate for the exchange of retailer Q brand electronic value tokens for retailer L brand electronic value tokens, reflecting the value decline based on the provided retailer Q electronic value tokens (book As discussed more fully in the description, communicates transaction information to all interested parties and returns (or can be reused) the merchant L-branded value token to the user's e-wallet ). In an alternative embodiment, the e-wallet e-value token exchange rules may contact the e-value token trading computer 150 for the best available exchange rate for e-value tokens that the e-wallet belongs to the e-wallet, Rather, it was possible to provide an exchange based on the best exchange rate.

  FIG. 2A illustrates an exemplary electronic value token transaction processing system 100 according to one aspect. As shown, the electronic value token transaction processing system includes: (a) at least one POS device 111; (b) an electronic wallet processing system, eg, an electronic value token transaction computer 150; (c) an account number; Electronic wallet account information, value added award status (“value added award” is “value added bonus”, “value added bonus award”, “value added award” Electronic value tokens such as 804, 827, 828, etc., as well as other information related to adding, redeeming and managing electronic value tokens) , And a data store 180 containing an electronic wallet unit 199 storing 829; (d) of at least one individual issuer Any other units included in the system and by (e) electronic value token transaction computer administrator 151; witness system 160. In one aspect, the electronic value token transaction computer 150 includes a value-added decision unit 153, a POS (“POS”) interface 152, a message modification unit 154, an adjustment unit 155, an issuer system interface 156, an authentication unit 157, and Includes sorting unit 198. In certain aspects, electronic value token trading computer 150 (or its unit, such as sorting unit 189) further includes a token exchange interface that may communicate with electronic value token exchange program 2000. The POS interface 152 provides a means for the electronic value token transaction computer 150 to communicate with the POS device 111 via, for example, the Internet (public switched telephone network (“PSTN”) or independent dedicated network). Similarly, electronic value token transaction computer 150 may communicate via issuer authentication system 160 and issuer system interface 156, for example, via the Internet (Public Switched Telephone Network (PSTN) or independent dedicated network). Good. The communication 106, 107 between the POS interface 152 and the POS device 111 and the communication 109, 110 between the issuer system interface 156 and the issuer authentication system 160 may be encrypted for added security. Well, and / or a virtual private network (“VPN”) may be utilized. The sorting unit 198 may sort different types of communications for routing in different ways. For example, when the sorting unit 198 receives an electronic wallet and / or sub-wallet request (eg, receiving authorization information in a transaction request, the sorting unit 198 may send the requested transaction to a specific electronic wallet maintained by the system, and / or Or a specific sub-wallet or sub-wallet associated with an electronic wallet), identifying balance inquiry requests, registration requests, activation requests, redemption requests and management requests for routing to the various units in Figure 2A , And may be sorted. Electronic value token trading computer 150 or sorting unit 198 may also generate a message based on the request for similar routing.

  As can be seen in FIG. 2A, a POS device 111 (typically installed at the vendor and / or the repurchasing retailer or retailer, or at a kiosk 189 or online personal computer for example during online transactions) The authentication token is interpreted by a POS interpretation unit 101 (eg, a card reader) at a user's home or office configured to function as a POS. The POS interpretation unit 101 may code in or against: humans, barcode scanners, magnetic strip readers, optical character recognition devices, biometric devices, numeric keyboards (eg, for entering token identification numbers) or authentication tokens Other devices configured to interrogate, interpret, capture, or input processed data may be included.

  Nearly (or alternatively, before or after) the interpretation of the authentication token, a request for an electronic wallet transaction is made by the point-of-sale transaction management unit 104. The POS transaction unit 104 may be a human, electronic input device, register or terminal, computer processing unit (“CPU”), personal computer, personal digital assistant (eg, smart phone) or POS interpretation unit 101 and / or POS processing unit 105 Other means of requesting or sending a message can be included. In some embodiments, the operations performed by the POS interpretation unit 101 and the POS transaction unit 104 will be performed by a personal unit, for example, a POS register / terminal or a personal computer during online web-based transactions. May be performed by one unit capable of performing the operations.

  The POS interpretation unit 101 and the POS transaction unit 104 communicate with the POS processing unit 105. The POS processing unit 105 may include a CPU or other type of processing device that is allowed for industrial use. The POS interpretation unit 101 transmits authentication information 102 to the POS processing unit 105. The POS transaction unit 104 transmits an electronic wallet transaction request 103 to the POS processing unit 105. The POS processing unit 105 may combine this information and communicate with an electronic value token transaction computer 150 (eg, communicating a message requesting an electronic wallet transaction with associated transaction and / or authentication data). In an aspect, the POS processing unit 105 is associated with the POS retailer from the electronic value token transaction computer 150 (or a unit associated therewith, such as a sub-administrator or sub-wallet administrator) and / or a given transaction type. Store and / or receive and / or receive and format transaction requests or messages using such transaction formats and collect features for further information or at POS Or encourage users to communicate / receive other data. For example, a user who purchases at a retailer operates a card reader. The card reader may display with the input device and a barcode reader or magnetic strip scanner. The card reader may be touch sensitive and may have various buttons used for input. After the card reader prompt, the user sees the options “debit”, “credit” and “electronic wallet”. The user selects “electronic wallet”. The user then sees the choices “Purchase”, “Add token” and “Delete token”. The user selects “Purchase”. After further prompting (in one aspect, regarding a transaction format specific to a particular POS retailer), the user enters a PIN. In some embodiments, the operations performed by the POS interpretation unit 101 by one unit (eg, an integrated POS device such as a computerized register) that can perform all operations that would be performed by an individual unit. All of the POS transaction unit 104 and the POS processing unit 105 may be performed.

  The POS processing unit 105 can be connected to the electronic value token transaction computer 150 via an appropriate network (eg, the Internet, a general subscriber telephone network (PSTN) or a separate dedicated network). Each POS processing unit 105 has an associated identifier (eg, terminal identifier or number number) that can be communicated to the electronic value token transaction computer 150 in the process of connecting the POS processing unit 105 to the electronic value token transaction computer 150. Each POS processing unit 105 may include a plurality of POS transaction units each corresponding to a personal terminal with its own terminal identification, for example in a given store location.

  As illustrated in FIG. 2A, the electronic value token transaction computer 150 may: (a) retailer / retailer and / or vendor (eg, via POS device 111, customer internet connection or kiosk 189), issuer authentication So as to form a secure connection with the system 160 and any other entity 190 authorized to access the electronic value token trading computer 150 by the electronic value token trading computer administrator 151; (b) issuer authentication Communicate with the system 160 to request and receive redemption or addition of value tokens to the electronic wallet; (c) communicate with the issuer's authentication system 160 to communicate all or one of the electronic value tokens associated with the electronic wallet. (D) generate and maintain a transaction log 170 of all activities performed (E) to generate and maintain an error log 175 of all failed and completed activities and hence reasons; (f) to retailers / retailers and / or vendors (eg, POS units) (Via 111) to redeem or add value tokens to the electronic wallet and communicate any information accompanying the redemption or addition of value tokens to the electronic wallet; and (g) to the retailer / retailer and / or vendor Configured to communicate any reason why the transaction could not be completed (eg, via POS unit 111).

  The electronic value token trading computer 150 is a distributed computing system having a single processing unit (eg, a centralized server), a plurality of processing units (eg, various units distributed and communicating with each other) with associated storage capabilities. ) Or combinations thereof, each of which can: or be specified for: accessing the data store 180; creating a transaction log 170; creating an error log 175; Communicate with retailers / retailers and / or vendors, such as at the POS, including over the Internet for online transactions; Communicate with the individual issuer's authentication system 160; Processing value token and electronic wallet requests; reimbursement required Processing demands; processing value-added functions to add further market value or to add electronic redemption coupons to specific product (s) or service (s) Processing redemption requests for electronic redemption coupons for specific product (s) and / or service (s); and can communicate with electronic value token trading computer 150 and permit Communicate with other systems 190 given.

  Data store 180 maintains a record of the account associated with each e-wallet indicating: (a) whether each personal value token has been added or redeemed, (b) whether an authentication token has been registered, (C) Records and details of each individual redemption request, (d) the amount remaining in the electronic value token, (e) the rules required to redeem the electronic value token, and (f) the issuer of the electronic value token. Identification, (f) value added bonuses, (g) rules for redeeming value added bonuses, and (h) any combination of these. The data store may also maintain a record of the rules required to give value added bonus bonuses to the electronic wallet or value token.

  Data store 180 also maintains a record associated with each electronic wallet and / or sub-wallet that indicates: (a) timing of registration activity, and other relevant information; (b) management activity timing, and related (C) Trading activity timing and other relevant information; (e) Applicable rules; (f) Identification of the issuer electronic value token therein; (f) Identification of the sub-wallet associated with it. (H) any other records required by the issuer, retailer, vendor, advertiser, user or other interested party; and (i) any combination thereof. Although a single data store 180 is shown, it should be understood that multiple data stores may be used, and the data is in any suitable manner for the various processes and purposes described herein. Related data is divided between stores. The various data may also be connected in close proximity to and / or located near one or more subunits, subprocessors, third party processors and the like associated with the electronic value token trading computer 150. May be associated with one or more data stores, such data stores preferably having data used by such subunits, sub-processors and third-party processors.

  The electronic value token transaction computer 150 is also configured to generate and maintain a transaction log 170 of all activities including the electronic value token transaction computer 150. The transaction log may include a detailed overview of the transaction type such as: (a) requested value token addition; (b) requested value token sales; (c) requested value token redemption; (D) requested value token exchange; (e) financial amount attributable to value token addition; (f) financial amount attributable to value token redemption; (g) monetary value attributable to value token exchange; (h) Value-added quantity, product or service addition; (i) Value-added quantity, product or service redemption; (j) When an electronic value token is added; (k) When an electronic value token is redeemed; l) transactions or communications with issuers to add value tokens; (m) transactions or communications with issuers to redeem value tokens; (n) PIN communicated to the vendor in response to a request to add a value token requesting a PIN for use; (o) Electronic wallet registration; (p) Electronic wallet setup activity; (q) Electronic wallet transaction (R) electronic wallet saving activity; (s) electronic wallet management activity; (t) any other information that directs the electronic value token trading computer administrator 151 to maintain the electronic value token trading computer 150 as a log entry. And (u) any combination thereof.

  Information contained in the transaction log 170 may be used for data mining purposes, for example, adjustment reports, inheritance reports, payment reports, audit reports, electronic wallet registration reports, electronic wallet management reports, electronic wallet usage reports, electronic wallet saving reports, Electronic Value Token Purchase Report, Electronic Value Token Redemption Report, Electronic Value Token Exchange Report, Electronic Value Token Sales Report or Electronic Value Token Transaction Manager 151, Data Store Administrator 181, Vendor, Issuer, Issuer Authentication System 160, It may be used to generate other forms of information aggregation for use by, or supply to, the interests of reimbursed retailers or other interested parties. For example, transaction log 170 includes information about each transaction made by electronic value token transaction computer 150 (and any subcomponents thereof), and various vendors, merchants, issuers and electronic value token transaction processing system management. May be used by the reconciliation unit 155 when reconciling accounts belonging to a person (s). Further data mining issues that interested parties (eg, vendors, merchants, issuers, advertisers, etc.) may be recorded, analyzed, and / or provided are (i) e-wallet user purchase habits (Ii) electronic value token purchases, sales, redemption and exchange; (iii) special offers and / or value added activities; (iv) loyalty related activities; and (v) savings related activities. All of which can be used for marketing, inventory and other purposes.

  Management and maintenance of the electronic value token transaction computer is performed by the electronic value token transaction computer administrator 151. Although not required, in an alternative embodiment, the electronic value token trading computer administrator 151 may also function as the data store administrator 181. Accordingly, the electronic value token transaction computer 150 is configured to generate and maintain an error log of all transactions that were not completed and the reasons for them. In some aspects, the error log is managed by an electronic value token transaction computer administrator 151.

  The electronic value token trading computer 150 is also configured to communicate with other entities 190 that are authorized to access the electronic value token trading processing system and that are specifically granted permission to access the electronic value token trading computer 150. Is done. These other entities include third-party payment management systems, third-party review systems, issuer-related entities, vendor-related entities, redeeming retailers or redeeming retailer-related entities, banks, credit card agencies or It may include any other entity for which access has been provided by a financial institution such as a credit union or electronic value token transaction computer administrator 151 or other entity authorized to authenticate access.

  Transaction requests from the POS device 111 or other access point associated with an electronic wallet may include one or more of the following pieces of information: (a) authentication information, (b) POS terminal identification, ( c) amount credited or debited, (d) on request, (e) date of request, (f) issuer identification, (g) vendor identification, (h) vendor location, (i) Identifying the product (s) or service (s) to be purchased, (j) activation or deactivation request, (k) adding a value token, deleting a value token, exchanging a value token, one or Wallet management functions such as change management or processing rules associated with multiple value tokens, wallet distribution to sub-wallets or vice versa, etc. (l) and any combination thereof. However, the information included in the request is not limited to the listed list, and may include other items in addition to the listed items or instead of the listed items.

  Upon receipt of an electronic wallet transaction request from the POS, and thus sorting by the identification and sorting unit 198, the electronic value token transaction computer 150 accesses the electronic wallet unit of the data store 180. The electronic value token transaction computer 150 processes the information contained in the data store 180 and communicates 109, 110 with the personal issuer authentication system 160 to perform management of the electronic value token and corresponding account. The message modification unit may coordinate messages and requests so that multiple units, subcomponents / processors or third party administrators can recognize and correctly interpret the message. For example, after the electronic value token transaction computer 150 determines the personal issuer authentication system 160 associated with the request, the message modification unit 154 accesses the database 180 to determine the appropriate for the personal issuer authentication system 160. A specific transaction message transmission format is determined, and then the subsequent communication to the individual issuer authentication system 160 is formatted using the preferred transaction format and vocabulary specified by the individual issuer authentication system 160. Communication between the personal issuer authentication system 160 and the electronic value token transaction computer 150 may occur simultaneously or independently. The electronic value token transaction computer 150 can be connected to the personal issuer's authentication system via an appropriate network (eg, PSTN, the Internet, or a separate dedicated network). The electronic value token transaction computer 150 is configured to send and / or receive communications 110 from the issuer's authentication system 160 regarding the status of the electronic value token.

  The reconciliation unit 155 coordinates the account of various issuers, vendors and / or retailers to be redeemed, and appropriate merchants, vendors, electronic value token transaction processing system administrators and issuers with various transaction values. Credit and debit a person to reflect which entity receives value from which other entity. For example, if Vendor A sells a token issued by Issuer B for a specified amount to Value and receives payment from a user who attaches an Electronic Value Token to the user's e-wallet, the Vendor will purchase Upon receipt of the quantity and / or a predetermined percentage of the quantity (eg, holding the percentage), the electronic value token system administrator receives the purchase quantity and / or the predetermined percentage of the quantity to process the transaction. The issuer receives the rest. When a value token issued by issuer Y is redeemed at retailer X to purchase an item, the amount redeemed is debited to issuer Y and credited to retailer X, sometimes by the issuer Deduct the collected transaction fees and / or the transaction or processing fees collected by the electronic value token transaction processing system administrator.

  The authentication unit 157, when the electronic value token transaction computer 150 is also an authorization system, sends an electronic wallet request rather than the electronic value token transaction computer 150 communicating the request to the issuer's authentication system 160 for authentication. Used to allow. The authentication unit 157 performs the same and / or different functions as described for the authentication system 160, and vice versa.

  The authentication unit 157 will confirm the formatting of an electronic wallet transaction request (eg, primary or sub-wallet) received from the POS processor 105 (or other transaction-generating device / component / processor). In other words, the authentication unit 157 will examine the requested data field to confirm that the field is occupied with data and that the data is in the correct format (eg, length, alphanumeric format). If the request is improperly formatted, the authentication unit 157 may reject the request or, in some aspects, retrieve the appropriate format (eg, from a format database) and the appropriate format The transaction request may be modified to comply with The authentication unit 157 also performs various validation checks on the request. Authentication unit 157 validates card-related transaction information based on the analysis of several criteria such as: 1) For electronic value token transaction processing system 100, the UPC code for the product is data store 180 (or issued) 2) that the amount of value of the requested transaction corresponds to the customer's payment for the subject transaction request, eg a card with UPC information of $ 25.00 To determine whether the card is identified as and the corresponding transaction request includes a $ 25.00 payment by the customer; 3) The UPC information is the type of card available for processing by the requesting retailer Decide to identify the card as one; and 4) the card's bank identification number (“BIN”) (which identifies the card issuer) KazuSatoshi, the first six digits of the identification number of the card) is to determine that it corresponds to the UPC information identifying the card issuer.

  The authentication unit 157 may also verify the transaction based on other criteria such as transaction distribution rate (number / quantity per unit time). For example, if the card processor is concerned that multiple invalid transactions indicate fraud, the card processor monitors the invalid number for which the transaction was requested and the electronic value token transaction processing system 100 Can be requested to reject transactions from terminals that exceed a preselected amount of invalid transactions. Finally, the authentication unit 157 may be configured to reject a transaction request in an event that the information received by the authentication unit 157 is difficult to understand.

  If the request is properly formatted and verified as described above, the electronic value token transaction computer 150 may transmit the transaction details to the issuer's authentication system rather than the authorization request. Also, in some aspects, the issuer, authorization system (eg, authentication unit 157) and transaction computer are part of the same entity, and in such aspects, there is no issuer authentication system 160. The wax or issuer authentication system 160 is an electronic value token transaction computer 150 (eg, a commonly owned and operated computing system, even though it is centralized (eg, in a centralized data center). Some) and / or other units in a generally owned or controlled system or network) may be under common control. Furthermore, the units associated with electronic value token trading computer 150 (eg, units 152-157) are shown as various units within a single data processing system for illustrative and conceptual purposes. It should be noted that one or more of units 152-157 can be executed on separate computers, systems or servers in a distributed processing environment.

  An exemplary process utilized by the electronic value token transaction computer 150 to facilitate purchases using an electronic wallet according to the primary electronic wallet transaction processing aspect is shown in FIG. 4A. Such an aspect may be illustrated by an electronic wallet transaction processing request initially received by the electronic value token transaction processing system 100 and subsequently made. The illustrated operations can be performed in the order shown or in different orders, and two or more operations can be performed in parallel.

  At block 302, the electronic value token transaction computer 150 receives a request or requests from a POS terminal. In at least one aspect, the request may include an electronic wallet transaction request, a balance inquiry request, a registration request, an activation request or redemption request, a wallet management request, and includes one or more of the following: ) Device identification, (b) authentication information, (c) purchase volume, (d) electronic value token issuer identification, (e) vendor identification, (f) location identification, (g) request time, (H) the date of the request, (i) information that clearly identifies the request as an electronic wallet transaction request (eg, transaction type data); (j) information that identifies the primary electronic wallet, sub-wallet, or a combination thereof; (k) Any other transaction and / or authentication data described herein; and (l) any combination thereof. The request at block 302 may include other information, requests or functions of the type described herein, for example, in addition to or instead of the items listed above. In at least one aspect, the authentication information is based on an authentication token selected from the group consisting of a proxy card and a mobile phone. Using the identification of the electronic value token issuer, the transaction can be correctly formatted for communication with the electronic value token issuer.

  In block 304, using the information contained in the electronic wallet transaction received from the POS device 111 and / or information obtained from the data store 180, the electronic value token transaction computer 150 may request the valid authentication information. And whether the request is for redemption of value token (s), addition of value token (s), deletion of value token (s), or management of electronic wallet To determine if it is. The electronic wallet request may include a bank identification number (“BIN”) located on the proxy card as part of the authentication information. The sorting unit can decode the BIN number or verify separately that the request is an electronic wallet request.

  At block 324, using the information contained in the electronic wallet transaction received from the POS device 111 and / or information obtained from the data store 180, the electronic value token transaction computer 150 may indicate / receive the electronic Identify / determine the primary electronic wallet, sub-wallet (s), and / or the location of the electronic wallet or sub-wallet (s) needed to fulfill the wallet transaction request. If the received authority information indicates that the requested electronic wallet transaction includes a primary electronic wallet, sub-wallet or a combination thereof maintained by the electronic value token transaction computer 150, the electronic value token transaction computer 150 may also: Good (i) Apply its own logic to the request; (ii) Rules stored in the primary wallet (eg, rules established by an electronic value token transaction processing system administrator, primary electronic wallet user, or a combination thereof) (Iii) apply rules stored in the sub-wallet (eg, rules established by the Electronic Value Token Transaction Processing System Administrator, sub-wallet user or a combination thereof), (iv) POS111 ( For example, simultaneity rules submitted in requests by primary wallet / sub-wallet users Applying the received rule with request from; (v) or any combination thereof.

  For example, an aspect may include an electronic value token transaction computer 150 that determines that all requests are associated with a value token included in the primary electronic wallet. Upon receipt of the request, the electronic value token trading computer 150 queries its authentication unit 157 (more fully as described herein), its data store 180, electronic wallet unit 199, and any other required unit. Whether the primary electronic wallet contains a value token that can meet the target request (for example, the primary electronic wallet contains a value token associated with the vendor and / or related to the requested transaction) Issuer) or not. Such a determination may be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token trading computer 150 then applies the electronic value tokens available in the primary electronic wallet corresponding to the request under the rules of the primary electronic wallet or the rules received, as well as the requested transaction (single or Will do or will refuse to do so.

  Another aspect may include an electronic value token trading computer 150 that determines that all requests are related to value tokens included in the sub-wallet. Upon receipt of the request, the electronic value token trading computer 150 queries its authentication unit 157 (more fully as described herein), its data store 180, electronic wallet unit 199, and any other required unit. Whether the sub-wallet contains a value token that can meet the target request (eg, the sub-wallet contains a value token associated with the vendor and / or the issuer associated with the requested transaction) Will decide). Such a determination may be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token trading computer 150 then applies the electronic value token available in the sub-wallet corresponding to the request under the rules of the primary electronic wallet or the requested rule, and the requested transaction and / or transaction. A group will be evaluated, or a mode that will refuse to do so.

  In another example, an aspect is related to electronic value tokens where some of the transaction requests belong to the primary electronic wallet, while some of the transaction requests belong to the sub-wallet (s). An electronic value token transaction computer 150 may be included that determines that the value token is relevant. Such a determination may be made by evaluating the requested transaction type, electronic value token identification or any other method for determining transaction allocation. The electronic value token trading computer 150 will evaluate the manner in which the electronic value tokens available in the primary electronic wallet corresponding to the request will be applied under the rules of the primary electronic wallet (these rules are the primary electronic wallet). The electronic value token trading computer 150 may allow such tokens to be used in any applicable sub-wallet in response to a request (as it may affect the payment methods used for those located in the wallet). Evaluate the manner in which electronic values will be applied under the rules and / or rules received and will be performed or refused to perform the requested transactions and / or groups of transactions. I will.

  In an exemplary embodiment, at block 324, the electronic value token transaction computer 150 will cover the entire requested electronic wallet transaction when used together in response to the received transaction request. , One or more value tokens of the primary electronic wallet or one or more electronic value tokens of the sub-wallet may be identified. Moreover, one of the electronic value tokens located in the primary electronic wallet or sub-wallet may be an electronic representation of a loyalty card and located in either the same or a different position of the loyalty card value token Another electronic value token may be an electronic representation of a retailer's gift card. In such an example, the electronic value token trading computer 150 may have a “loyalty card” token and a “retailer gift card” token regardless of the location of the token in the primary electronic wallet and / or sub-wallet (s). Increase the profits of the user, as opposed to not simultaneously applying the values of the “Retailer Gift Card” token and the “Customer Card” token for the transaction, For example, the value of the “Retailer Gift Card” token or the use of the “Retailer Gift Card” token can be increased by a 5% increase in the loyalty point bonus applied to the “Customer Card” token.

  The value token may be associated with a closed loop account or an open loop account. After the funds in the account are depleted, closed loop accounts typically expire, for example gift card accounts. Open loop accounts typically do not expire. Rather, various entities that credit and debit accounts, such as brand credit card accounts or debit card accounts such as Visa or Mastercard, typically have a pending obligation. Closed loop accounts are often directly associated with retailers, while open loop accounts are often associated with financial institutions (eg, Visa issued by Chaze or Citi). In at least one embodiment, the electronic value token includes a closed loop account number and an open loop account number. The closed loop account number is associated with a retailer that can debit or credit from the closed loop account associated with the closed loop account number. The open loop account number is associated with a financial institution that can debit or credit from the open loop account associated with the open loop account number. An electronic value token may have an expiration date or a designated due date that is different from any other value token. Furthermore, the electronic value token may identify a particular merchant, location and / or product that the electronic value token may utilize.

  If the request is for adding a value token, at block 306, an electronic wallet is created (if not previously created) and an electronic value token is added to the electronic wallet. The following table includes elements, parameters and information included in the electronic wallet transaction communication and used by the electronic value token transaction processing system 100 to facilitate and achieve electronic wallet transactions.

Table 1A illustrates the required parameters required to create a wallet in at least one embodiment. Table 1B illustrates the response parameters required to create a wallet in at least one embodiment.

Electronic value token trading computer 150 preferably has electronic wallets and / or stored in electronic wallet unit 199 by allocating memory to electronic wallets and value tokens and storing pieces of information in data structures on data store 180. Associate authentication information with account number. Table 2 illustrates parameters for a gift card value token in at least one embodiment.

Table 3 illustrates more detailed parameters for a gift card electronic value token in an alternative embodiment that includes the name of the associated wallet and / or sub-wallet.

  However, the request may be modified for other reasons unrelated to the added token determination and sent to the appropriate one of the issuer's authentication system 160 as part of the reconciliation process, for example, the request Can relate to redemptions, deletions, refill values, added values, balance inquiries, or combinations thereof, each of which will be communicated to the issuer's authentication system 160 for adjustment.

Table 4 illustrates formatting for authenticated communications.

  Each request is authenticated using a signature, the user is authenticated with a username / password or open id, and the session is verified using a user token. The client may send client_ref_id, timestamp, nonce, encryption_type, channel, user_ip, signature, and optionally usertoken, and each request can confirm a message.

Table 5 illustrates the parameters used to retrieve the user's wallet.

Table 6A illustrates the request parameters used to redeem value from tokens in the wallet.

Table 6B illustrates the response parameters used to redeem value from tokens in the wallet.

Table 7A illustrates the request parameters used to fill a wallet with value tokens.

Table 7B illustrates the response parameters used to fill the wallet with value tokens.

  If the request is for value token redemption, at block 308, the electronic value token trading computer 150 has accessed and associated with the electronic wallet that was previously determined to be associated with the authentication information. Examine the rules. In at least one aspect, examining the rules includes examining the priority of value tokens that are variable by the user. For example, the user may prefer to use any closed loop value token that corresponds to the retailer making the purchase request. If nothing is found or if the token will not cover the purchase, the user may prefer to use an open loop value token for the rest. As a result of these priorities, closed loop value tokens may all have higher priority than open loop value tokens. One of the open loop value tokens may have a higher priority than the other. For example, a user may prefer to pay for any remainder with a credit card rather than a debit card. In at least one aspect, the user may configure these rules via the Internet or a mobile application and save the priority as the default priority. In an alternative embodiment, the user selects an electronic value token to be applied to the electronic wallet request at a POS device, for example, at a vendor or retailer location such as a checkout lane, customer service counter or kiosk. Thus, selecting an electronic value token includes selecting a value token with the highest priority that would cover the purchase amount when used together. As can be seen in the examples, one purchase transaction was split into two redemptions without compromising purchase efficiency. Similarly, one or more electronic wallet transactions can be split into two or more transactions without compromising efficiency. In certain aspects, at least one of the electronic value tokens is associated with a closed loop prepaid account (eg, an electronic prepaid gift or stored value card), and a rule associated with the primary wallet is associated with a third wallet associated with the sub-wallet. Cause sub-transactions to be processed by the administrator.

  In at least one aspect, the rules include a percentage of electronic wallet requests where different value tokens should be applied and applying electronic value tokens includes applying electronic value tokens to electronic wallet requests according to a percentage. Including examining. In block 310, the electronic value token trading computer 150 then selects a value token in the electronic wallet that, when used together, will cover the electronic wallet request based on the rules. For example, the user may configure the rules so that each purchase is evenly divided between two credit cards. Thus, selecting an electronic value token includes selecting two open loop tokens that divide the purchase volume. Similar to the above example, when a single authentication token (eg, proxy card only or mobile device) is used at POS, efficiency is preserved because two credit cards do not support electronic value tokens Is done. Other rules can be implemented and the rules can be used in various combinations and orders with each other. The electronic value token transaction processing system can also execute “if-if” rules based on information communicated in the electronic wallet request. For example, a purchase at a gas station may result in a gas credit card value token selection or the like. In such an aspect, the electronic value token computer 150 may include the target electronic wallet 10 and / or sub-wallet 807 (eg, for a credit card-type electronic value token), 808 (eg, for a debit card-type electronic value token), And 809 (eg, for stored value-type electronic value tokens) and query the rules 802, 817, 818 and 819 to determine the target electronic wallet based on the transaction request information including transaction type, eg, purchase at a gas station Established rule (s) for 10 and / or sub-wallet 807, 808 and 809 requests is that the transaction type request is initially the first electronic value token type, eg gas card related electronic value token 829 May decide to meet, and subject If the child wallet 10 or sub-wallet (s) 807, 808 and 809 do not contain a sufficient amount of the first value token type to satisfy all transaction requests, the electronic value token computer 150 will Other electronic value token types, eg, debit card related electronic value token 828, may satisfy the remainder of the transaction request.

  The electronic value token transaction computer 150 also applies the electronic value token to the electronic wallet request. In applying the electronic value token to the request, the electronic value token trading computer 150 will send credit and debit messages to be made with an account managed by the retailer and financial institution using the appropriate account number. If the electronic value token transaction computer has such administrative authority, the electronic value token transaction computer 150 can directly credit or debit the account.

  In at least one embodiment, the electronic value token transaction computer 150 modifies the request (eg, applying the required format) and sends the modified request to the appropriate one of the issuer's authentication system 160. In response to a modified request, this behaves the same, for example, authenticates and / or processes a request to redeem an electronic value token and updates the data store accordingly. The authentication system 160 is not in the same location as the electronic wallet request was received in at least one aspect. For example, if an electronic wallet request is received from a retail store, the authentication system may be owned and operated by the retailer, but not the retail store. Rather, the authentication system may be located at a data center, for example. Thus, neither retail stores nor retailers generally need to know some or all of the contents of a wallet. In at least one aspect, the retailer may have some transaction authentication operations that have a POS (eg, proxy card attack, digital personal assistant interaction with a POS device, PIN entry on the POS keypad, or other authentication) I just don't even know the existence of an electronic wallet because I just recognize what was communicated to (Activity). In other words, access and use of an electronic wallet at a POS is seamless and does not require any special or custom actions to process the transaction compared to a traditional physical application. The issuer authentication system 160 sends a response message back to the electronic value token transaction computer 150. In an alternative embodiment where the electronic value token transaction computer 150 performs the functions of the issuer authentication system 160, the method may proceed directly to block 306 or 310 to block 314.

  The electronic value token transaction computer 150 receives a confirmation message from the appropriate one of the issuer's authentication system 160 at block 312. At block 314, the electronic value token transaction computer 150 updates the electronic wallet in the electronic wallet unit 199 and data store 180 to reflect the activation of the electronic wallet and to / to the electronic value token (s). Reflect any debits, credits, additions or deletions. 6A-D illustrate a series of user interface screens and prompts in at least one embodiment. For example, the user may refer to the prompt shown when managing the user's electronic wallet via a computer and / or kiosk 189 connected to the Internet.

  Transaction log 170 may be updated by electronic value token transaction computer 150 at block 316 to record details about the transaction. The details recorded in the transaction log are: (a) transaction type, time and date, (b) whether the electronic wallet was activated, (c) if the request was rejected, the electronic wallet was not activated (D) credit / debit / add / delete electronic value token (s), (e) changes in rules associated with electronic value tokens, (f) vendor identification, (g Including issuer identification, (h) vendor location, (i) identification of the terminal to which the electronic value token is added, (j) identification of the entity giving the token to the electronic value, and (k) any combination thereof. sell. The transaction log may include other information (eg, transaction and / or authentication data) in addition to or instead of the items listed above.

  The electronic value token transaction computer 150 then sends a confirmation message to the POS device 111 at block 318. Before sending a confirmation message to the POS device 111, the electronic value token transaction computer 150, for example, prints a receipt to the customer as needed and / or presents it on the display to the store employee who operates the POS device 111 The confirmation message may be modified to include possible information. At block 320, the electronic value token transaction computer 150 issues, sells, sells, redeems, and various vendors, retailers, issuers, electronic value token transaction processing system administrators, and electronic value tokens. Reconcile the accounts of other entities involved in selling, debit and debit appropriate accounts, and in some aspects, initiate transfers between appropriate deposit accounts belonging to various entities To do. Alternatively, account adjustments may be made periodically (eg, daily, weekly, monthly, etc.) rather than after each transaction. In such an aspect, information from the transaction log 170 can be utilized to coordinate various entities involved in the sale or redemption of various value tokens, and therefore it is necessary to initiate a small remittance. The In certain aspects, the information in transaction log 170 is used to match a transaction or the like. For example, grouping of all transactions from a given location or a given retailer or grouping of transaction types (eg, credit, debit, etc.). In various embodiments, the order of events shown may vary and thus may be performed sequentially or simultaneously in any desired order.

  FIG. 2B illustrates how the electronic wallet processing system includes an electronic value token transaction computer 150 and functions as an electronic sub-wallet transaction processor integrated with a primary electronic wallet transaction processor such as that illustrated by the electronic wallet aggregation system 1000. 1 illustrates an exemplary electronic value token transaction processing system 1100. It can be further understood that the electronic wallet aggregation system 1000 has the same functions, capabilities, database access, networked communication and operational components as the electronic value token transaction computer 150 described herein, and how many In such an aspect, the electronic value token transaction computer 150 and its associated components (eg, the electronic value token transaction processing system 100) may serve as or be replaced by the electronic wallet aggregation system 1000. In certain aspects, the electronic wallet aggregation system 1000 is controlled and maintained by a common entity or group of entities that control, maintain, operate, own and / or otherwise manage the electronic value token trading computer 150. May be operated, owned, and / or otherwise managed, i.e., primary electronic wallet transaction processor and electronic sub-wallet transaction processor may be a common controller, maintainer, operator, owner and / or manager Share In certain aspects, the electronic wallet aggregation system 1000 is separate and distinct from a common entity or group of entities that control, maintain, operate, own, and / or otherwise manage the electronic value token transaction computer 150. And / or may be controlled, maintained, operated, owned, and / or otherwise managed by entities or entities that are unrelated, i.e., primary electronic transaction processor and electronic sub-wallet transaction processor Do not share a common controller, maintainer, operator, owner and / or manager. As shown, when functioning in electronic sub-wallet transaction processing capabilities, the electronic value token transaction processing system 1100 includes: (a) an electronic value token transaction computer 150; (b) an electronic wallet aggregation system interface 1052; (C) As described in detail at the beginning of the main prize, the award status (“award added with value”) is the “bonus added with value” in this specification. ”,“ Value-added bonus award ”,“ value-added award bonus ”and“ value differentiation ”), and the addition, redemption and management of electronic value tokens Electronic value tokens, such as 804, 827, 828, etc. And a data store 180 including an electronic wallet unit 199 storing 829; (d) at least one personal issuer authentication system 160; and (e) any other included in the system by the electronic value token transaction computer administrator 151 unit. In one aspect, the electronic value token transaction computer 150 includes: value-added decision unit 153, electronic wallet aggregation system interface 1052, message modification unit 154, adjustment unit 155, issuer system interface 156, An authentication unit 157 and a sorting unit 198 are included. The electronic wallet aggregation system interface 1052 provides a means for the electronic value token transaction computer 150 to communicate with the electronic wallet aggregation system 1000 via, for example, the Internet (public switched telephone network (“PSTN”) or independent dedicated network). . Similarly, electronic value token transaction computer 150 may communicate via issuer authentication system 160 and issuer system interface 156, for example, via the Internet (Public Switched Telephone Network (PSTN) or independent dedicated network). Good. Communication 116, 117 between electronic wallet aggregation system interface 1052 and electronic wallet aggregation system 1000 and communication 109, 110 between issuer system interface 156 and issuer authentication system 160 are for added security. It may be encrypted and / or a virtual private network (“VPN”) may be utilized. The sorting unit 198 may sort different types of communications for routing in different ways. For example, if the sorting unit 198 receives a sub-wallet request (eg, receiving authorization information in a transaction request, the sorting unit 198 may send the requested transaction to a specific electronic sub-wallet maintained by the system and / or an electronic sub-wallet. Identify specific subsections or subsections maintained within), balance inquiry requests, registration requests, activation requests, redemption requests and management requests for routing to the various units of FIG. 2B, and You may sort. Electronic value token trading computer 150 or sorting unit 198 may also generate a message based on the request for similar routing.

  As can be seen in FIG. 2B, the POS device 111 (typically installed at the vendor and / or the repurchasing retailer or retailer, or alternatively at the kiosk 189 or on a personal computer during online transactions, for example. The authentication token is interpreted by a POS interpretation unit 101 (eg, a card reader) at a user's home or office configured to function as a POS. The POS interpretation unit 101 may code in or against: humans, barcode scanners, magnetic strip readers, optical character recognition devices, biometric devices, numeric keyboards (eg, for entering token identification numbers) or authentication tokens Other devices configured to interrogate, interpret, capture, or input processed data may be included.

  Nearly (or alternatively, before or after) the interpretation of the authentication token, a request for electronic wallet transaction by the POS transaction unit 104 is made. POS transaction unit 104 is interpreted by a human, electronic input device, register or terminal, computer processing unit (“CPU”), personal computer, personal digital assistant, eg smart phone or POS interpretation unit 101 and / or POS processing unit 105 Other means of requesting or sending a message may be included. In some embodiments, the operations performed by the POS interpretation unit 101 and the POS transaction unit 104 will be performed by a personal unit, for example, a POS register / terminal or a personal computer during online web-based transactions. May be performed by one unit capable of performing the operations.

  The POS interpretation unit 101 and the POS transaction unit 104 communicate with the POS processing unit 105. The POS processing unit 105 may include a CPU or other type of processing device that is allowed for industrial use. The POS interpretation unit 101 transmits authentication information 102 to the POS processing unit 105. The POS transaction unit 104 transmits an electronic wallet transaction request 103 to the POS processing unit 105. The POS processing unit 105 may combine this information and communicate with an electronic wallet collection system 1000 (eg, communicating a message requesting an electronic wallet transaction with associated transactions and / or authentication data). In an aspect, the POS processing unit 105 is associated with a POS retailer from the electronic wallet aggregation system 1000 (or a unit associated therewith, such as a sub-administrator or sub-wallet administrator, such as the electronic value token transaction computer 150), and Store and / or receive and / or receive and format a transaction request or message using such a transaction type and / or receive a transaction type associated with a given transaction type and / or value token, or Encourage users for other data to collect, communicate or receive spot colors at POS. For example, a user who purchases at a retailer operates a card reader. The card reader may display with the input device and a barcode reader or magnetic strip scanner. The card reader may be touch sensitive and may have various buttons used for input. After the card reader prompt, the user sees the options “debit”, “credit” and “electronic wallet”. The user selects “electronic wallet”. The user then sees the choices “Purchase”, “Add token” and “Delete token”. The user selects “Purchase”. After further prompting (in one aspect, regarding a transaction format specific to a particular POS retailer), the user enters a PIN. In some embodiments, the operations performed by the POS interpretation unit 101 by one unit (eg, an integrated POS device such as a computerized register) that can perform all operations that would be performed by an individual unit. All of the POS transaction unit 104 and the POS processing unit 105 may be performed.

  The POS processing unit 105 can be connected to the electronic wallet aggregation system 1000 via an appropriate network (for example, the Internet, a general subscriber telephone network (PSTN), or an independent dedicated network). Each POS processing unit 105 has an associated ID (eg, terminal identification name or number number) that may be transmitted to the electronic wallet collection system 1000 in the process of connecting the POS processing unit 105 to the electronic wallet collection system 1000. Each POS processing unit 105 may include a plurality of POS transaction units each corresponding to a personal terminal with its own terminal identification, for example in a given store location.

  As illustrated in FIG. 2B, the electronic wallet aggregation system 1000 includes: (a) a retailer / retailer and / or vendor (eg, via the POS device 111), an electronic value token transaction computer 150, and an issuer authentication system. To form a secure connection with 160; (b) to communicate with the issuer's authentication system 160 to request and receive reimbursement or addition of value tokens to the electronic wallet; (c) issuer's authentication Communicate with system 160 to redeem all or part of the electronic value token associated with the electronic wallet; (d) conduct transactions on value tokens belonging to the electronic sub-wallet maintained by the electronic value token transaction processing system 1100 To communicate with the electronic value token trading computer 150 to facilitate; (e) to retailers / retailers and / or vendors To communicate the value token redemption or addition to the electronic wallet and any information associated with the redemption or addition of the value token to the electronic wallet (eg, via the POS unit 111); and (f) the retailer / retailer and It is configured to communicate to the vendor any reason why the transaction could not be completed (eg, via POS unit 111).

  The electronic value token trading computer 150 is a distributed computing system having a single processing unit (eg, a centralized server), multiple processing units (eg, various units that are distributed and communicate with each other) with associated storage capabilities. ) Or combinations thereof, each of which can: or be specified for: accessing the data store 180; creating a transaction log 170; creating an error log 175; Communicating with the electronic wallet aggregation system 1000; communicating with the personal issuer authentication system 160; processing personal value tokens and electronic wallet requests; processing reimbursement requests; adding additional market value Or specific product (s) Processing value added functions to add electronic redemption coupons to service (s), electronic redemption for specific product (s) and / or service (s) Processing redemption requests for coupons, and communicating with other systems 190 that can communicate with and are authorized to electronic value token trading computer 150.

  Data store 180 maintains a record of the account associated with each sub-electronic wallet indicating: (a) whether each personal value token was added or redeemed, (b) an authentication token for personal value (C) records and details of each individual redemption request, (d) the amount remaining in the electronic value token, (e) the rules required to redeem the electronic value token, (f) Identification of the issuer of the electronic value token, (g) bonus bonus with added value, (h) rules for redeeming bonus bonus with added value, and (intent) any combination of these. The data store may also maintain a record of the rules required to give value added bonus bonuses to the electronic wallet or value token.

  Data store 180 also maintains a record associated with each electronic wallet and / or sub-wallet that indicates: (a) timing of registration activity, and other relevant information; (b) management activity timing, and related (C) Trading activity timing and other relevant information; (d) Applicable rules; (e) Identification of the issuer electronic value token therein; (f) Identification of the associated sub-wallet (G) any other records required by the issuer, retailer, vendor, advertiser, user or other interested party; and (h) any combination thereof. Although a single data store 180 is shown, it should be understood that multiple data stores may be used, in any suitable manner for the various processes and purposes described herein, Related data is divided between data stores. The various data may also be connected in close proximity to and / or located near one or more subunits, subprocessors, third party processors and the like associated with the electronic value token trading computer 150. May be associated with one or more data stores, such data stores preferably having data used by such subunits, sub-processors and third-party processors.

  The electronic value token transaction computer 150 is also configured to generate and maintain a transaction log 170 of all activities including the electronic value token transaction computer 150. The transaction log may include a detailed overview of the transaction type such as: (a) requested value token addition; (b) requested value token sales; (c) requested value token redemption; (D) requested value token exchange; (e) financial amount attributable to value token addition; (f) financial amount attributable to value token redemption; (g) monetary value attributable to value token exchange; (h) Value-added quantity, product or service addition; (i) Value-added quantity, product or service redemption; (j) When an electronic value token is added; (k) When an electronic value token is redeemed; l) transactions or communications with issuers to add value tokens; (m) transactions or communications with issuers to redeem value tokens; (n) PIN communicated to the vendor in response to a request to add a value token requesting a PIN for use; (o) Electronic wallet registration; (p) Electronic wallet setup activity; (q) Electronic wallet transaction (R) electronic wallet saving activity; (s) electronic wallet management activity; (t) any other information that directs the electronic value token trading computer administrator 151 to maintain the electronic value token trading computer 150 as a log entry. And (u) any combination thereof.

  Information contained in the transaction log 170 may be used for data mining purposes, for example, adjustment reports, inheritance reports, payment reports, audit reports, electronic wallet registration reports, electronic wallet management reports, electronic wallet usage reports, electronic wallet saving reports, Electronic Value Token Purchase Report, Electronic Value Token Redemption Report, Electronic Value Token Exchange Report, Electronic Value Token Sales Report or Electronic Value Token Transaction Manager 151, Data Store Administrator 181, Electronic Wallet Consolidation System 1000 (for example, vendor or other Other information aggregation for use by or for the benefit of vendors, issuers, issuer's authentication system 160, for the benefit of reimbursers, or other interested parties) It may be used to generate a form. For example, transaction log 170 includes information about each transaction made by electronic value token transaction computer 150 (and any subcomponents thereof) and is associated with various electronic wallet aggregation systems 1000, vendors, merchants, issuers. , And may be utilized by the reconciliation unit 155 when reconciling accounts belonging to vendors, merchants and issuers not associated with the electronic wallet aggregation system 1000, and also the electronic value token transaction processing system administrator 151. Further data mining issues that interested parties (eg, vendors, merchants, issuers, advertisers, etc.) may be recorded, analyzed, and / or provided are (i) e-wallet user purchase habits (Ii) electronic value token purchases, sales, redemption and exchange; (iii) special offers and / or value added activities; (iv) loyalty related activities; and (v) savings related activities. All of which can be used for marketing, inventory and other purposes.

  Management and maintenance of the electronic value token transaction computer is performed by the electronic value token transaction computer administrator 151. Although not required, in an alternative embodiment, the electronic value token trading computer administrator 151 may also function as the data store administrator 181. Accordingly, the electronic value token transaction computer 150 is configured to generate and maintain an error log of all transactions that were not completed and the reasons for them. In some aspects, the error log is managed by an electronic value token transaction computer administrator 151.

  The electronic value token trading computer 150 is also configured to communicate with other entities 190 that are authorized to access the electronic value token trading processing system and that are specifically granted permission to access the electronic value token trading computer 150. Is done. These other entities include: electronic wallet aggregation system 1000, third party payment management system, third party review system, issuer related entity, vendor related entity, retailer to redeem or retailer related entity to redeem, It may include any other entity for which access has been provided by a financial institution such as a bank, credit card agency or credit association or electronic value token transaction computer administrator 151 or other entity authorized to authenticate access.

  In certain aspects, a transaction request from the electronic wallet aggregation system 1000 may include one or more of the following pieces of information: (a) authentication information, (b) POS terminal identification, (c) credit entry. Or amount debited, (d) on request, (e) date of request, (f) issuer identification, (g) vendor identification, (h) vendor location, (i) product purchased (Single or multiple) or service (s) identification, (j) activation or deactivation request, (k) value token addition, value token deletion, value token exchange, one or more value tokens Wallet management functions, such as change management or processing rules associated with, wallet distribution to sub-wallets or vice versa, etc. (l) and any combination thereof. However, the information included in the request is not limited to the listed list, and may include other items in addition to the listed items or instead of the listed items.

  Upon receiving an electronic wallet transaction request from the electronic wallet collection system 1000 and thus sorting by the identification and sorting unit 198, the electronic value token transaction computer 150 accesses the electronic wallet unit of the data store 180. The electronic value token transaction computer 150 processes the information contained in the data store 180 and communicates 109, 110 with the personal issuer authentication system 160 to perform management of the electronic value token and corresponding account. The message modification unit may coordinate messages and requests so that multiple units, subcomponents / processors or third party administrators can recognize and correctly interpret the message. For example, after the electronic value token transaction computer 150 determines the personal issuer authentication system 160 associated with the request, the message modification unit 154 accesses the database 180 to determine the appropriate for the personal issuer authentication system 160. A specific transaction message transmission format is determined, and then the subsequent communication to the individual issuer authentication system 160 is formatted using the preferred transaction format and vocabulary specified by the individual issuer authentication system 160. The electronic value token trading computer 150 can also provide appropriate message transmission of formatting information, eg, a template, to the electronic wallet aggregation system 1000 to facilitate processing of the system information related to the request. Communication between the personal issuer authentication system 160 and the electronic value token transaction computer 150 may occur simultaneously or independently. The electronic value token transaction computer 150 can be connected to the personal issuer's authentication system via an appropriate network (eg, PSTN, the Internet, or a separate dedicated network). The electronic value token transaction computer 150 is configured to send and / or receive communications 110 from the issuer's authentication system 160 regarding the status of the electronic value token.

  The reconciliation unit 155 coordinates the account of various issuers, vendors and / or retailers to be redeemed, and appropriate merchants, vendors, electronic value token transaction processing system administrators and issuers with various transaction values. Credit and debit a person to reflect which entity receives value from which other entity. For example, if Vendor A sells a token issued by Issuer B for a specified amount to Value and receives payment from a user who attaches an Electronic Value Token to the user's e-wallet, the Vendor will purchase Upon receipt of the quantity and / or a predetermined percentage of the quantity (eg, holding the percentage), the electronic wallet aggregation system 1000 and / or the electronic value token system administrator may purchase and / or pre-determine to process the transaction. The issuer receives the rest upon receiving a defined percentage of the amount. When a value token issued by issuer Y is redeemed at retailer X to purchase an item, the amount redeemed is debited to issuer Y and credited to retailer X, sometimes by the issuer Deduct the collected transaction fees and / or the transaction or processing fees collected by the electronic value token transaction processing system administrator.

  The authentication unit 157, when the electronic value token transaction computer 150 is also an authorization system, sends an electronic wallet request rather than the electronic value token transaction computer 150 communicating the request to the issuer's authentication system 160 for authentication. Used to allow. The authentication unit 157 performs the same and / or different functions as described for the authentication system 160, and vice versa.

  The authentication unit 157 will confirm the formatting of the wallet (eg, primary or sub-wallet) transaction request received from the electronic wallet collection system 1000. In other words, the authentication unit 157 will examine the requested data field to confirm that the field is occupied with data and that the data is in the correct format (eg, length, alphanumeric format). If the request is improperly formatted, the authentication unit 157 may reject the request or, in some aspects, retrieve the appropriate format (eg, from a format database) and the appropriate format The transaction request may be modified to comply with The authentication unit 157 also performs various validation checks on the transaction request. Authentication unit 157 validates card-related transaction information based on the analysis of several criteria such as: 1) For electronic value token transaction processing system 1100, UPC code for the product is data store 180 (or issued) 2) that the amount of value of the requested transaction corresponds to the customer's payment for the subject transaction request, eg a card with UPC information of $ 25.00 To determine whether the card is identified as and the corresponding transaction request includes a $ 25.00 payment by the customer; 3) The UPC information is the type of card available for processing by the requesting retailer Decide to identify the card as one; and 4) the card's bank identification number (“BIN”) (which identifies the card issuer) KazuSatoshi, the first six digits of the identification number of the card) is to determine that it corresponds to the UPC information identifying the card issuer.

  The authentication unit 157 may also verify the transaction based on other criteria such as transaction distribution rate (number / quantity per unit time). For example, if the card processor is concerned that multiple invalid transactions indicate fraud, the card processor monitors the invalid number for which the transaction was requested, and the electronic value token transaction processing system 1100 Can be requested to reject transactions from terminals that exceed a preselected amount of invalid transactions. Finally, the authentication unit 157 may be configured to reject a transaction request in an event that the information received by the authentication unit 157 is difficult to understand.

  If the request is properly formatted and verified as described above, the electronic value token transaction computer 150 may transmit the transaction details to the issuer's authentication system rather than the authorization request. Also, in some aspects, the issuer, authorization system (eg, authentication unit 157) and transaction computer are part of the same entity, and in such aspects, there is no issuer authentication system 160. The wax or issuer authentication system 160 is an electronic value token transaction computer 150 (eg, a commonly owned and operated computing system, even though it is centralized (eg, in a centralized data center). Some) and / or other units in a generally owned or controlled system or network) may be under common control. Furthermore, the units associated with electronic value token trading computer 150 (eg, units 152-157) are shown as various units within a single data processing system for illustrative and conceptual purposes. It should be noted that one or more of units 152-157 can be executed on separate computers, systems or servers in a distributed processing environment.

  Promote purchases using electronic wallets according to electronic wallet transactions with electronic sub-wallets maintained by a third-party electronic value token trading computer that maintains the sub-wallet as part of the relationship with the primary electronic wallet transaction system provider An exemplary process utilized by the electronic value token trading computer 150 for is shown in FIG. 4B. Such an aspect may be illustrated by an electronic wallet transaction processing request initially received by the electronic wallet aggregation system 1000 and partially made by the electronic value token computer 150. The illustrated operations can be performed in the order shown or in different orders, and two or more operations can be performed in parallel.

  In block 301, the electronic wallet assembly system 1000 receives a request or multiple requests from the POS 111. In at least one aspect, the request may include an electronic wallet transaction request, a balance inquiry request, a registration request, an activation request or redemption request, a wallet management request, and includes one or more of the following: ) Device identification, (b) authentication information, (c) purchase volume, (d) electronic value token issuer identification, (e) vendor identification, (f) location identification, (g) request time, (H) the date of the request, (i) information that clearly identifies the request as an electronic wallet transaction request (eg, transaction type data); (j) information that identifies the primary electronic wallet, sub-wallet, or a combination thereof; (k) Any other transaction and / or authentication data described herein; and (l) any combination thereof. The request at block 301 may include other information, requests or functions of the type described herein, for example, in addition to or instead of the items listed above. In at least one aspect, the authentication information is based on an authentication token selected from the group consisting of a proxy card and a mobile phone.

  Following the processing of block 301, the electronic wallet collection system 1000 may process a portion of the electronic wallet transaction via the electronic wallet collection system 1000, while another one of the requested electronic wallet transaction. It may be determined that the department is associated with a sub-wallet maintained by a third party administrator, such as the electronic value token transaction computer 150. The electronic wallet transaction request information received by the electronic wallet aggregation system 1000 will require / include a sub-wallet maintained by the third party administrator's system for the transaction request to fully respond to the transaction request. And the rules applicable to the relevant primary electronic wallet maintained by the electronic wallet collection system 1000 indicate in this way, the electronic wallet collection system 1000 processes the original request and generates a new request. Generate a sub-request, or modify the original request and send it to the maintained sub-wallet in association with the primary e-wallet, for example, the primary e-wallet is the original request, new request, sub-request or modified The original request is sent to the electronic value token transaction computer 150 that maintains the indicated sub-wallet. In modifying the original request to process the original request, generate a new request, generate a sub-request, or send it to the sub-wallet, the electronic wallet aggregation system 1000 (i) Applying logic to e-wallet transaction requests; (ii) applying rules stored in the primary wallet (eg, rules expressed by the primary e-wallet provider, primary e-wallet user, or a combination thereof) Applying (iii) rules that accept transaction requests from POS111 (eg, simultaneity rules submitting requests by users of primary and / or electronic sub-wallets); (iv) or these Any combination may be used.

  At block 303, the electronic value token transaction computer 150 receives a request or requests from the electronic wallet collection system 1000. In at least one aspect, the request may include an electronic sub-wallet request, a balance inquiry request, a registration request, an activation request, or a redemption request, a sub-wallet management request, and includes one or more of the following: (A) terminal identification, (b) authentication information, (c) purchase volume, (d) identification of electronic value token issuer, (e) vendor identification, (f) location identification, (g) request Time, (h) date of request, (i) information that clearly identifies the request as an electronic wallet transaction request (eg, transaction type data); (j) information that identifies the primary electronic wallet, sub-wallet, or a combination thereof; (K) any other transaction and / or authentication data described herein; and (l) any combination thereof. The request at block 303 may include other information, requests or functions of the type described herein, for example, in addition to or instead of the items listed above. In at least one aspect, the authentication information is based on an authentication token selected from the group consisting of a proxy card and a mobile phone. By using proxy card and / or mobile phone identification, embedded transactions can be accurately formatted for communication with a valid electronic value token issuer of the subject transaction request.

  Using information received from the electronic wallet aggregation system 1000 based on the transaction request and from information obtained from the data store 180, at block 304, the electronic value token transaction computer 150 may include an electronic information including authentication information for which the request is valid. Whether it is a sub-wallet request and the request is for redemption of value token (s), addition of value token (s), deletion of value token (s), or management of electronic wallet To determine whether or not. The electronic wallet request may include a bank identification number (“BIN”) located on the proxy card as part of the authentication information. The sorting unit can decode the BIN number or verify separately that the request is an electronic wallet request.

  At block 324, using the information contained within the electronic wallet transaction received from the electronic wallet aggregation system 1000 and / or information obtained from the data store 180, the electronic value token transaction computer 150 indicates / receives. Identify / determine the sub-wallet (s) and / or the location of the electronic wallet or sub-wallet (s) needed to fulfill the electronic wallet transaction request. If the authority information received indicates that the requested electronic wallet transaction includes a sub-wallet maintained by the electronic value token transaction computer 150, the electronic value token transaction computer 150 may: (i) own logic (Ii) apply rules stored in the sub-wallet (eg, rules established by an electronic value token transaction processing system administrator, sub-electronic wallet user, or a combination thereof); (iii) Apply rules stored in sub-sub-wallets (eg, rules established by the Electronic Value Token Transaction Processing System Administrator, sub-sub-wallet users or combinations thereof), (iv) POS111 (eg, primary electronic Rules received with requests from wallet / sub-wallet users (synchronization rules submitted in requests) Apply; (v) or any combination thereof.

  For example, an aspect may include an electronic value token trading computer 150 that determines that all requests received from the electronic wallet aggregation system 1000 are associated with value tokens included in a single sub-wallet. Upon receipt of the request, the electronic value token trading computer 150 queries its authentication unit 157 (more fully as described herein), its data store 180, electronic wallet unit 199, and any other required unit. Whether the sub-e-wallet contains a value token that can meet the target request (eg, the sub-e-wallet contains a value token associated with the vendor and / or related to the requested transaction) Issuer) or not. Such a determination may be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token transaction computer 150 then applies the available electronic value tokens under the sub-electronic wallet rules or the requested rules in the sub-electronic wallet corresponding to the request, as well as the requested transaction (single And / or will evaluate to refuse to do.

  Another aspect may include an electronic value token transaction computer 150 that determines that all requests received from the electronic wallet aggregation system 1000 are related to value tokens included in the sub-sub-wallet. Upon receipt of the request, the electronic value token trading computer 150 queries its authentication unit 157 (more fully as described herein), its data store 180, electronic wallet unit 199, and any other required unit. Whether the sub-sub-wallet contains a value token that can meet the target request (eg, the sub-sub-wallet contains a value token associated with the vendor and / or the issuer associated with the requested transaction) Will decide). Such a determination may be made by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token trading computer 150 then applies the electronic value token available in the sub-sub-wallet corresponding to the request under the sub-sub-wallet rules or the rules received, and the requested transaction (single and / or Will do or will refuse to do so.

  In another example, an aspect is that some of the requests received from the electronic wallet aggregation system 1000 are related to an electronic value token belonging to a sub-electronic wallet, while another part of the request is to a sub-sub-wallet. An electronic value token transaction computer 150 may be included that determines that the electronic value token to which it belongs is related. Such a determination may be made by evaluating the requested transaction type, electronic value token identification or any other method for determining transaction allocation. The electronic value token trading computer 150 will evaluate the manner in which the electronic value tokens available in the sub-electronic wallet corresponding to the request will be applied under the sub-electronic wallet rules (these rules are sub-electronic The electronic value token transaction computer 150 may use such a sub-sub-wallet as a token available in any applicable sub-sub-wallet in response to a request (since it may affect the payment methods used for those located in the wallet). The electronic value that would be under the rules and / or the requested rules is applied, and the requested transaction (s) is / are to be evaluated or rejected. Let's go.

  In an exemplary embodiment, at block 324, the electronic value token transaction computer 150 will cover the entire requested electronic wallet transaction when used together in response to the received transaction request. , One or more value tokens of the sub-electronic wallet or one or more electronic value tokens of the sub-sub-wallet may be identified. Moreover, one of the electronic value tokens located in the sub-e-wallet or sub-wallet may be an electronic representation of a loyalty card and located in either the same or a different location of the loyalty-card value token Another electronic value token may be an electronic representation of a retailer's gift card. In such an example, the electronic value token transaction computer 150 may have a “loyalty card” token and a “retailer gift card” token regardless of the location of the token in the sub-electronic wallet and / or sub-sub-wallet (s). Increase the profits of the user, as opposed to not simultaneously applying the values of the “Retailer Gift Card” token and the “Customer Card” token for the transaction, For example, the value of the “Retailer Gift Card” token or the use of the “Retailer Gift Card” token can be increased by a 5% increase in the loyalty point bonus applied to the “Customer Card” token.

  The electronic value token may be associated with a closed loop account or an open loop account. After the funds in the account are depleted, closed loop accounts typically expire, for example gift card accounts. Open loop accounts typically do not expire. Rather, various entities that credit and debit accounts, such as brand credit card accounts or debit card accounts such as Visa or Mastercard, may have an ongoing obligation. Closed loop accounts are often directly associated with retailers, while open loop accounts are often associated with financial institutions (eg, Visa issued by Chaze or Citi). In at least one embodiment, the electronic value token includes a closed loop account number and an open loop account number. The closed loop account number is associated with a retailer that can debit or credit from the closed loop account associated with the closed loop account number. The open loop account number is associated with a financial institution that can debit or credit from the open loop account associated with the open loop account number. An electronic value token may have an expiration date or a designated due date that is different from any other value token. Furthermore, the electronic value token may identify a particular merchant, location and / or product that the electronic value token may utilize.

  If the request is for adding an electronic value token, at block 306, an electronic sub-wallet is created (if not previously created) and an electronic value token is added to the electronic sub-wallet. The following table is included in an electronic wallet transaction communication, for example as part of a simultaneous primary electronic wallet transaction processed by the electronic wallet aggregation system 1000, and electronic to facilitate and achieve electronic sub-wallet transactions. Contains elements, parameters and information used by the value token trading computer 150.

Table 8A illustrates the required parameters required to create a sub-wallet in at least one embodiment. Table 8B illustrates the response parameters required to create a sub-wallet in at least one embodiment.

The electronic value token transaction computer 150 preferably allocates memory to the electronic sub-wallet and value token (s) and stores the pieces of information in the data structure on the data store 180 in the electronic wallet unit 199 to store the electronic sub-wallet 199. Associate an account number with a wallet and / or stored authentication information. Table 9 illustrates parameters for a gift card value token in at least one embodiment.

Table 10 illustrates more detailed parameters for the gift card electronic value token in an alternative embodiment that includes the name of the associated sub-wallet (s) and / or sub-sub-wallet (s).

  However, the request may be modified for other reasons unrelated to the added token determination and sent to the appropriate one of the issuer's authentication system 160 as part of the reconciliation process, for example, the request Can relate to redemptions, deletions, refill values, added values, balance inquiries, or combinations thereof, each of which will be communicated to the issuer's authentication system 160 for adjustment.

Table 11 illustrates formatting for authenticated communications.

  Each request is authenticated using a signature, the user is authenticated with a username / password or open id, and the session is verified using a user token. The client may send client_ref_id, timestamp, nonce, encryption_type, channel, user_ip, signature, and optionally usertoken, and each request can confirm a message.

Table 12 illustrates the parameters used to retrieve the user's wallet.

Table 13A illustrates the request parameters used to redeem value from tokens in the sub-wallet.

Table 13B illustrates the response parameters used to redeem value from tokens in the sub-wallet.

Table 14A illustrates the request parameters used to fill the wallet with value tokens.

Table 14B illustrates the response parameters used to fill the sub-wallet with value tokens.

  If the request is for redemption of the electronic value token, at block 308, the electronic value token trading computer 150 accesses the sub-e-wallet previously associated with the authentication information and the rules associated with the sub-e-wallet. Investigate. In at least one aspect, examining the rules includes examining the priority of value tokens that are variable by the user. For example, the user may prefer to use any closed loop value token that corresponds to the retailer making the purchase request. If nothing is found or if the token will not cover the purchase, the user may prefer to use an open loop value token for the rest. As a result of these priorities, closed loop value tokens may all have higher priority than open loop value tokens. One of the open loop value tokens may have a higher priority than the other. For example, a user may prefer to pay for any remainder with a credit card rather than a debit card. In at least one aspect, the user may configure these rules via the Internet or a mobile application and save the priority as the default priority. In an alternative embodiment, the user selects an electronic value token to be applied to the electronic wallet request at a POS device, for example, at a vendor or retailer location such as a checkout lane, customer service counter or kiosk. Thus, selecting an electronic value token includes selecting a value token with the highest priority that would cover the purchase amount when used together. As can be seen in the examples, one purchase transaction was split into two redemptions without compromising purchase efficiency. Similarly, one or more electronic wallet transactions can be split into two or more transactions without compromising efficiency.

  In at least one aspect, the rule is that a different electronic value token should be applied, and applying the electronic value token includes applying the electronic value token to the sub electronic wallet request according to a proportion. Including examining the percentage of In block 310, the electronic value token trading computer 150 then selects a value token in the electronic wallet that, when used together, will cover the sub-electronic wallet request based on the rules. For example, the user may configure the rules so that each purchase is evenly divided between two credit cards. Thus, selecting an electronic value token includes selecting two open loop tokens that divide the purchase volume. Similar to the above example, if a single authentication token (eg, proxy card only or mobile device) is used at the POS, the two credit cards do not support an electronic value token, so the efficiency (efficiency ) Is saved. Other rules can be implemented and the rules can be used in various combinations and orders with each other. The electronic value token computer 150 can also execute “if-then” rules based on information communicated in the sub-electronic wallet request. For example, a purchase at a gas station may result in a gas credit card value token selection or the like. In such an aspect, the electronic value token computer 150 may include the target electronic wallet 10 and / or sub-wallet 807 (eg, for a credit card-type electronic value token), 808 (eg, for a debit card-type electronic value token), And 809 (eg, for stored value-type electronic value tokens) and query the rules 802, 817, 818 and 819 to determine the target electronic wallet based on the transaction request information including transaction type, eg, purchase at a gas station Established rule (s) for 10 and / or sub-wallet 807, 808 and 809 requests is that the transaction type request is initially the first electronic value token type, eg gas card related electronic value token 829 May decide to meet, and subject If the child wallet 10 or sub-wallet 807, 808, and 809 (s) does not include a sufficient amount of the first value token type to satisfy all transaction requests, the electronic value token computer 150 may Other electronic value token types, eg, debit card related electronic value token 828, may satisfy the remainder of the transaction request.

  The electronic value token transaction computer 150 also applies the electronic value token to the sub-electronic wallet request. In applying the electronic value token to the request, the electronic value token trading computer 150 will send credit and debit messages to be made with an account managed by the retailer and financial institution using the appropriate account number. If the electronic value token transaction computer has such administrative authority, the electronic value token transaction computer 150 can directly credit or debit the account.

  In at least one embodiment, the electronic value token transaction computer 150 modifies the request and sends the modified request to the appropriate one of the issuer's authentication system 160, which receives the modified request and the same Operates, for example, authenticates and / or processes a request to redeem an electronic value token and updates the data store accordingly. The authentication system 160 is not in the same location as the electronic sub-wallet request was received in at least one aspect. For example, if an electronic sub-wallet request is received from a retail store, the authentication system may be owned and operated by the retailer, but not the retail store. Rather, the authentication system may be located at a data center, for example. Thus, neither retail stores nor retailers generally need to know some or all of the contents of the sub-wallet. In at least one aspect, the retailer may have some transaction authentication actions that are associated with the Because it simply recognizes what was communicated to the (authentication activity), it does not even know the existence of an electronic wallet. The issuer authentication system 160 sends a response message back to the electronic value token transaction computer 150. In an alternative embodiment where the electronic value token transaction computer 150 performs the functions of the issuer authentication system 160, the method may proceed directly to block 306 or 310 to block 314.

  The electronic value token transaction computer 150 receives a confirmation message from the appropriate one of the issuer's authentication system 160 at block 312. At block 314, the electronic value token transaction computer 150 updates the electronic sub-wallet in the electronic wallet unit 199 and data store 180 to reflect the activation of the electronic sub-wallet and the electronic value token (s). ) Reflect any debit / credit / add / remove to / from. 6A-D illustrate a series of user interface screens and prompts in at least one embodiment. For example, the user may refer to the prompt shown when managing the user's electronic wallet via a computer and / or kiosk 189 connected to the Internet.

  Transaction log 170 may be updated by electronic value token transaction computer 150 at block 316 to record details about the transaction. The details recorded in the transaction log are: (a) the time and date of the transaction, (b) whether the electronic sub-wallet was activated, (c) if the request was rejected, the electronic sub-wallet was not activated Reasons, (d) Credit / debit, debit, add or delete electronic value token (s), (e) Changes in rules associated with electronic value tokens, (f) Vendor identification, (g (I) Identification of issuer, (h) Vendor position, (i) Identification of terminal to which electronic value token is added, (j) Identification of entity giving token to electronic value, (k) Electronic wallet received by sub-wallet request It may include identification of the aggregation system 1000, (l) communication between the electronic value token transaction computer 150 and the electronic wallet aggregation system 1000, and (m) any combination thereof. The transaction log may include other information in addition to or instead of the items listed above.

  The electronic value token transaction computer 150 then sends the sub-wallet transaction results and associated information in the form of a confirmation message to the electronic wallet collection system 1000 at block 319. The electronic value token transaction computer 150 prints a receipt to the customer as needed and / or displays on the store employee operating the POS device 111 before sending a confirmation message to the electronic wallet collection system 1000. The confirmation message may be modified to include information that can be presented. At block 320, the electronic value token transaction computer 150 issues and sells various vendors, retailers, issuers, electronic value token transaction processing system administrators, and electronic value tokens included in the sub-wallet request, And reconcile the accounts of other entities involved in selling and debit and debit appropriate accounts, in some aspects, to transfer money between appropriate deposit accounts belonging to various entities Start. Alternatively, account adjustments may be made periodically (eg, daily, weekly, monthly, etc.) rather than after each transaction. In such an aspect, information from the transaction log 170 can be utilized to coordinate various entities involved in the sale or redemption of various value tokens, and therefore it is necessary to initiate a small remittance. The In various embodiments, the order of events shown may vary and thus may be performed sequentially or simultaneously in any desired order.

  FIG. 2C illustrates an aspect of an electronic value token transaction processing system 1200 in which an electronic value token transaction computer 150 communicates with the POS 111 and the electronic wallet aggregation system 1000. Accordingly, the electronic value token transaction computer 150 may function as a primary electronic wallet transaction processor and an electronic sub-wallet transaction processor, as described in detail above with respect to FIGS. 2A and 2B.

  Electronic wallet management may be performed at various stores such as kiosks or other locations via various user interfaces such as smartphone applications, personal computer applications, website-based applications, POS terminals, dedicated terminals, etc. .

  In at least one embodiment, the user may have an electronic wallet management function (eg, balance inquiry, loyalty management and / or other bonus-type program); exchange of value tokens such as: (i) value tokens in the electronic wallet (Ii) exchange between different wallets (configured to allow redemption activities to sub-wallets configured for saving behavior with limited redemption activity) And (iii) exchange with another user; purchase an electronic value token to be placed in an electronic wallet; join or target sales Decide or stop receiving promotional applications and materials; A number of functions via the World Wide Web from data or mobile phones; as well as payment functions such as splitting payment applications between electronic value tokens available in the electronic wallet.

  With respect to possible exchangeability, the user may use a value token associated with a retailer that the user is less likely to use, and a value associated with a retailer that is likely to be frequent. You may exchange it for a token. Similarly, users may exchange value tokens or bundles of value tokens with each other, sell, gift, or gift again.

  Through the electronic wallet management functionality, the user: (i) determines the amount of value associated with each value token, such as reward points, dollar amount, etc .; (ii) determines the expiration date on the value token Check, purchase value tokens for others as gifts, and receive notifications from certain retailers; (iii) create and register specific value tokens in their electronic wallet or in their electronic wallet (Iv) require the electronic wallet to provide or make available a physical representation of the electronic value token in the user's electronic wallet (eg, in some embodiments, the user may have a kiosk 189 Or other accessible printers to provide electronic value token notes, coupons, checks or other physical representations Provide an on-demand printing service so that it can be printed); and (v) use an electronic wallet by using the GPS service of the user's mobile phone or through integration with the user's SMS service Can be sent to a person-specific value token.

  In at least one embodiment, the user's electronic wallet is incorporated into the user's social network services, such as Facebook and Twitter. Accordingly, the user can perform a management function via the social network platform or receive a value token via the social network platform. Full or partial information about the user's electronic wallet can be made available to the user's social network contact as well.

  As illustrated in FIG. 6A, the user accesses an electronic wallet system, such as the electronic value token transaction processing system 100 or the electronic wallet aggregation system 1000, through the interactive display page / screen of such a system. (The interactive display page / screen is accessed via the user's computer, the user's personal digital assistant or smartphone, POS terminal, kiosk 189 or other device. As shown in FIG. 6A, the user May create and / or register an electronic wallet or sub-wallet by providing certain requested information and agreeing to certain periods and conditions.

  As illustrated in FIG. 6B, the user may manage the electronic wallet by entering certain card specific information on the electronic wallet system interactive display page / screen. In some embodiments, the user enters the gift card brand, card number, expiration date, CVV2 code and card nickname, and selects the “Add gift card on screen to his wallet” button. You may register a gift card.

  As shown in FIG. 6C, the user is provided with many options for managing the electronic wallet and its contents. For example, as indicated, the user may review specific details associated with an electronic value token (shown as a gift card in FIG. 6C) that is present in the electronic wallet and / or sub-wallet. In addition, the user can make the electronic value token (i) as “last added” (as shown in FIG. 6C); (ii) be included in various “sub-wallets” (sub-wallets are , “Meal”, “home improvement”, “debit”, “credit”, “loyalty”, etc., can be classified or nicknamed); (iii) highest to lowest remaining value Or (iv) may be required to be shown to be ranked in terms of priority for use.

  Also, as shown in FIG. 6C, the user has the ability to “add gift card”, “add value”, “redeem card”, and “sell card”.

  The “add gift card” functionality allows the user to place an electronic value token in the electronic wallet. The “add gift card” selection provides the user with at least two different ways to add an electronic value token to the electronic wallet. First, an electronic value token representing a physical card owned by the user may be added to the electronic wallet. As described with respect to FIG. 6B, the screen display of FIG. 6B can be presented to the user by selecting “Append Gift Card” and subsequent modes of such addition. Thus, the user can enter an electronic wallet by entering the gift card brand, card number, expiration date, CVV2 code and card nickname, and selecting the “Add gift card on screen to my wallet” button. Gift cards can be added to Alternatively, the user can use a card reader, such as a device attached to the user's computer, personal digital assistant or smartphone, to enter the card information into the electronic wallet system for conversion to an electronic value token. Such as to have access to (eg magnetic stripe reader and / or barcode reader) and to read information from physical cards in combination with the user's computer, personal digital assistant or smartphone An apparatus may be used. Second, an electronic value token representing a physical card that is not already owned by the user may be added to the electronic wallet. In such an aspect, when the user selects this option, the user shows a display screen that informs the user of all the different types and amount of electronic value tokens available for purchase. Also good. The validity of the electronic value token for purchase will be described in more detail below, as will be discussed in more detail below, e. (E.g. GiftCard Mall web-based application such as provided by BlackHawk Network, which allows the user to choose from a variety of different types of gift cards (and various currencies), and eventually Delivered to the user (or to the user's identified recipient) in any tangible form (via email or other messenger) or delivered electronically (eg, an electronic value token transaction processing system) (Provides the ability to have a selected card)), or of an electronic wallet system For example, it may be based on the ability to access the electronic value 100 token transaction processing system) electronic value token exchange program 2000.

The “Add Value” functionality allows the user to select an electronic value token and increase the value of the token. Such “refilling”, “filling” or “recharging” of electronic value tokens may be performed as described in its entirety in International Application No. PCT / US11 / 40055. For example, when an electronic wallet user wants to refill / recharge / fill a telecommunications-related electronic value token belonging to the electronic wallet, the user selects “Add Value” on the display screen. Which facilitates the system to communicate a refill / recharge / full request to the electronic value token computer 150.

  In a first aspect of the refill / recharge / fill scenario, the electronic value token computer 150 approves the request if the telecommunications related electronic value token is activated and associated with a telephone number. The electronic value token computer 150 determines the telecommunications account associated with the telephone number and adds the requested refill / recharge / full amount to the account. The electronic value token computer 150 sends a response to the request (eg, indicating that a refill / recharge / full amount has been added to the associated account). The electronic value token computer 150 transmits a transaction request to refill / recharge / fill the telecommunications carrier associated with the telephone number. Upon approval of the refill / recharge / full transaction request from the telecommunications carrier, the electronic value token computer 150 will allow the telecommunications related electronic to reflect the refill / recharge / full amount. Correct the value token value. The electronic value token computer 150 will cause the display accessed by the user to reflect the modification of the value of the electronic value token, or if a transaction request to refill / recharge / full is not approved The electronic value token computer 150 will cause the display to inform the user about the result. The “add value” functionality has been described for electronic value tokens related to telecommunications, while the “add value” functionality refers to functional debit cards and prepaid services. It is equally applicable and functional to refill / recharge / fill electronic value tokens associated with cards, gift cards, etc.

  The “redeem card” functionality allows a user to select an electronic value token and use that token to make a purchase or other transaction. In the “redeem card” scenario, if the entire value of the electronic value token is not used in the redemption transaction, the system modifies / decreases the remaining value of the token, and displays the token's “new” value. Will inform the user of the decrease, while also informing all interested parties regarding the redemption transaction, and recording and adjusting any relevant logs accordingly. Alternatively, when an electronic wallet is used in a POS-type transaction situation rather than the electronic wallet management situation described above, the “redeem card” functionality is automatically invoked via the transaction information conveyed by the POS. And thus can be based on predetermined rules.

  The “Sell Card” functionality allows the user to select an electronic value token and (i) another electronic wallet user, (ii) an electronic wallet (or sub-wallet) system provider, or ( iii) It can be monetized via providing a card for sale against the Electronic Value Token Program Exchange 2000 (more fully as described herein). In the “sell card” scenario, the user informs the electronic wallet system about the electronic value token that it wants to sell, selects a forum for such sale from the list of available forums, Direct the system on how the profits from the sale should be sent to the electronic wallet (eg, the value added to the electronic wallet system brand electronic value token, other selected electronic value token (s) and A receipt in a hard / tangible form of a receipt that the user can present for application (eg, in the form of a note, coupon, check or combination) and if applicable, the user is prepared to lower For example, selling electronic value tokens that set a minimum auction price Will tell the system about the threshold value for. The system will execute the desired sales transaction and cause the display to inform the user of the outcome of the sale of the electronic value token, and together inform all interested parties regarding the sales transaction and Record and adjust any relevant logs accordingly.

  In addition, as shown in FIG. 6C, the user may choose to manage “My Rewards”, thereby using a loyalty or electronic wallet and / or electronic value token. Other types of reward users may be drawn to a screen showing user options available for receipt. In addition, the user can select “special proposal”, and can thereby draw any promotion-type proposal available to the user via the electronic wallet on the screen showing the user. In addition, the user can select “Exchange”, which can be pulled out to a screen showing options available for the electronic value token exchanged by the user via the electronic wallet.

  In a manner similar to that described above with respect to available electronic wallet management functions and functionality, kiosk 189 provides a user interface with an electronic wallet transaction system that allows the user to access the electronic wallet management functionality. The electronic value token transaction computer 150 may be connected in at least one aspect and function.

  The kiosk 189 may be placed in a busy place such as a shopping center and may perform any electronic wallet management function. For example, the user may create, delete, or change these electronic wallets or sub-wallets. The user also checks the balance of electronic value tokens belonging to the electronic wallet, and adds, deletes, refills, recharges, prints and exchanges value tokens in these electronic wallets or sub-wallets. May be. The kiosk 189 may reflect the functionality available through the electronic wallet management website in at least one aspect, or the functionality of the electronic wallet enabled by a personal digital assistant and / or smartphone. The user may use the on-demand printing function with these value tokens if a particular retailer does not accept electronic wallet transactions. For example, a user may select a value token for printing, and a printer connected to kiosk 189 may have a physical representation of the selected value token, such as a scanable bar concatenated with an electronic value token. A receipt with the code will be printed. The physical representation may be a gift card with a magnetic stripe, a paper receipt or a coupon with a bar code or matrix code (e.g., a QR code). In certain embodiments, kiosk 189 may print a physical card for additional printing fees, for example. The user may also use the kiosk 189 to supply an electronic wallet and / or split (eg, create a sub-wallet). For example, after user authentication and identification of the electronic wallet associated with the user, the user is operated on a kiosk 189, such as an automatic depositing and dispensing machine with an appropriate card reader or similar machine or similar to a manned kiosk. The user's physical stored value card may be inserted into the kiosk. The kiosk 189 may convert the physical stored value card into an electronic value token in the user's electronic wallet. The physical stored value card may then be retained, destroyed by the kiosk 189, or returned to the user. In one embodiment, the physical stored value card is not usable by the user after conversion. In another embodiment, the user may have an electronic value token or a physically stored value card. In other words, both will be “active” and available for use. The user may purchase a value token and supply it directly from the kiosk 189 to the wallet.

  In at least one aspect, the user is associated with a plurality of electronic wallets. Each wallet is associated with a unique wallet identification (ID) to identify one wallet of the wallets associated with the user. A database or lookup table may be used, for example, to access the wallet identification. In at least one embodiment, the wallet ID is customizable by the user.

  As referred to above for both the primary wallet and sub-wallet aspects described above, the disclosed wallet and sub-wallet methods and systems add value to an electronic value token that a user belongs to and / or belongs to an electronic wallet. Provide the ability to In certain aspects, the similar value-added capabilities and functionality of the electronic value token transaction processing system 100 described immediately are detailed and described in International Application No. PCT / US11 / 20570, which is hereby incorporated by reference in its entirety. Incorporated, such similar value added capabilities and functionality may be adapted from the situation described in International Application No. PCT / US11 / 20570 as applied in this electronic wallet / electronic circuit value token situation.

  The customer may be motivated to purchase and / or redeem the value token (s) via the value difference between the purchase of the value token (s) and the redeemed value.

  In some embodiments, a value token with a surface value of $ 25 may be purchased by a customer for $ 25, but an electronic value token may be added to an electronic wallet in an amount of $ 30-an electronic value token As a motivation to purchase, a purchase price of $ 25 plus an additional $ 5 will be added. Alternatively, rather than adding cash value to the electronic value token, the electronic value token may be encoded with a redemption coupon code for a Tokuchi product or service. For example, a $ 15 value token for a coffee shop may have an electronic redemption coupon code for a free shot of a customer-selected syrup that is added to any coffee purchased at the coffee shop. The syrup free shot may be redeemed as part or all of the electronic value token amount, or the syrup free shot may be redeemed separately.

  In another aspect, the value token vendor can provide the customer with a motivation to redeem the value token by adding value in addition to the value of the electronic value token when the customer redeems the electronic value token. For example, a retailer may provide a promotion that provides the customer with an additional $ 5 credit when using a value token for purchase at one of the retailer's retail stores during the specified period. Can be executed.

  As described above, the electronic value token transaction computer 150 communicates with the data store 180 and / or the issuer authentication system 160. The electronic value token trading computer 150 determines whether the added / redeemed electronic value token is appropriate for the awarded value within the transaction request for the data contained in the data store 180. One or more of card identification, terminal identification, vendor identification and date and time of the activation request may be compared. For example, a vendor may run a promotion to encourage customers to purchase value tokens, and value tokens purchased within a specified time period are specified by an electronic value token description or metadata. Can be purchased for a price less than the specified value. Thus, a customer can purchase a value token of $ 25 for some amount of less than $ 25, for example $ 20. In either of the above examples, the value difference, e.g., the bonus added to the redeemed value of the value token and the reduction in the purchase price for the specified value of the value token, the electronic value, either equally or unequal It would be applicable to tie value token packages and value differences distributed across and / or across tokens. Similarly, retailers can collaborate for cross-promotion in whole, in part, or by protecting other retailers' value tokens for specific products, or for promotions . By choosing to use an electronic wallet at a point-of-sale, the user can even receive promotional benefits that the user did not know. Furthermore, by configuring rules, the user can ensure that the best promotions are available at various retailers without scouting. Thus, retailers can execute and change promotions at a rapid pace, without requiring the user to become aware of the promotion and cutting coupons, Cross-promote other retailers and advertising resources on a daily or hourly basis, without the need for practical management included in traditional redemption models, such as entering various promotional codes. can do. In addition, retailers can fine-tune their promotions to various market segments to strengthen relationships by providing specific demand for the segment.

  Message modification unit 154 modifies messages 106 and 110 to add value addition information to the message. For example, if it is determined by the value added decision unit 153 that the added value token is appropriate for the value added bonus, the message 106 received from the POS device 111 is In order to include the determined value added bonus and then to the appropriate issuer authentication system 160 as message 109 to authorize the request for the multi-plus plus value added bonus specified in the activation request. Modified to send. As another example, if it is determined that the electronic value token is suitable for purchase at a discount, the message 106 received from the POS device 111 is sent to the appropriate issuer authentication system 160 by the electronic value token. Corrected by message correction unit 154 to indicate that one amount will be added to the electronic wallet, but that the customer will be charged a smaller amount reflecting the discount associated with the electronic value token (And delivered as message 109).

  In certain aspects, the message modification unit 154 may also communicate any information regarding the value added to the electronic value token that the POS device 111 can print on a receipt generated for the customer, as well as the cashier communicating to the customer. Modify the message 110 from the issuer's authentication system 160 designated to include information that can be shown to the cashier on the obtaining terminal 101 or 104, and such modified message is sent as a message 107 to the POS device 111. It is done.

  As referred to with respect to both the primary e-wallet and sub-wallet aspects described above, the disclosed e-purse and sub-wallet method and system allows an electronic value token belonging to a user's e-wallet or sub-wallet to be used by the current user. The user is provided with the ability to exchange for an electronic value token that does not belong to an electronic wallet or sub-wallet, but can be used through an electronic wallet or sub-wallet transaction system.

  The owner and / or operator of the electronic value token computer 150 may earn revenue through an exchange arbitrage type activity. That is, the owner and / or operator of the electronic value token computer 150 may have two electronic value tokens, for example, a first electronic value token that is traded / exchanged and a desired / obtained second electronic value token. The current rate difference between them may be retained. In at least one embodiment, the electronic value token transaction computer 150 may charge a user transaction fee instead of an exchange. Transaction fees may be flat or based on the size of the exchange.

  The electronic value token trading computer 150 may also charge either the issuer or retailer associated with the exchange or both based on a flat transaction fee or the amount of exchange. These fees are minimal but can be generated in large numbers. All parties will benefit because the user receives a value token that the user will use in exchange for a value token that the user will not use. In addition, one issuer or retailer resolves the debt or inventory liability associated with the exchanged value token, thus freeing up capital for other uses. Also, if the customer spends more than the amount of electronic value tokens, other issuers and / or retailers may have gained customers, retained royal customers, or increased revenue.

  As referred to with respect to both the primary electronic wallet and sub-wallet aspects described above, the disclosed electronic wallet and sub-wallet methods and systems are for other electronic value tokens not located in the electronic wallet or sub-wallet. Provide users with the ability to exchange electronic value tokens located in the electronic wallet and / or sub-wallet. Such value token exchanges are (1) (i) at the POS, (ii) at the kiosk, (iii) via the user's personal digital assistant or smartphone, and (iv) the user's electronic wallet. Via a web connection to (v) or by any other method of accessing the user's electronic wallet by the electronic wallet user; or (2) the rules are (i) the electronic wallet user, (ii) the electronic wallet provider , (Iii) or a combination thereof, may be initiated by application of electronic wallet rules by an electronic wallet processing system.

  In at least one aspect, to exchange a first value token associated with a first retailer located in an electronic wallet for a second value token associated with a second retailer not located in the electronic wallet The exchange rate needs to be applied. This exchange rate may be applied to the value of the second value token that is sought to be exchanged, and thus reducing the face value of the second value token will reduce the value of the first value token that is exchanged. A comparison with value or exchange rate may be applied to some other valued asset located in the electronic wallet (as defined by any reasonable rule or directive). The exchange rate may be realized by an electronic wallet processing system and / or shared with designated vendors, retailers and issuers.

  The exchange rate is for electronic value tokens, gift cards (or other similar devices), acquisition of such electronic value tokens, gift cards from other electronic wallet users or other sources (or other similar devices) ), As well as the use of gift card-type equipment and its interest in electronic wallet processing systems for incorporation into dynamically changing value establishment and electronic value token exchange programs for all such electronic value tokens It may be established by an ongoing evaluation program or affiliated entity operated by an electronic wallet processing system that includes tracking.

  The above electronic value token exchange program can be illustrated by the following considerations. An electronic wallet user can install an electronic wallet associated with kiosk 189 at retailer A store. The electronic wallet user functions by connecting to the kiosk 189 to provide the electronic wallet with identification information (eg, the accountid described in Table 1 herein) to the kiosk. The supply of identification information may be done via manual input by the kiosk user or automatically via communication between the electronic wallet user's personal digital assistant (or proxy card 200) and the kiosk 189 May be performed automatically. The electronic wallet user may then use the kiosk 189 to access the electronic wallet's electronic value token exchange program and further use the kiosk 189 to facilitate any requested electronic value token exchange, And complete. In some embodiments, an electronic wallet user may issue an electronic value token issued and / or authorized by retailer A included in the user's electronic wallet (or its sub-wallet) and It may also be exchanged for an approved electronic value token. An electronic wallet user functioning in connection with the kiosk 189 can cause the electronic wallet user to present the screen display as shown in FIG. 6C. In addition to providing an electronic wallet user with the ability to outline the contents of the electronic wallet, the display allows the “Exchange” tab to be selected from the functionality available to the electronic wallet user. The “Exchange” tab will then present to the electronic wallet user the options available for electronic value token exchange. As illustrated in FIG. 6D, such options may include: (1) View selection of electronic value tokens available for acquisition; (2) Select electronic value tokens that currently belong to an electronic wallet (3) Various exchanges for the identified electronic value token (s) for acquisition calculated taking into account the electronic value tokens selected to be removed (exchanged) from the electronic wallet View rates (exchange rates may vary based on the type / retailer of electronic value tokens selected for exchange); (4) View options to meet exchange rates (eg (i ) A decrease in the value of the electronic value token selected for acquisition to meet the exchange rate or (ii) a credit card value token or debit (5) (i) sending to an electronic wallet (or sub-wallet), (ii) a personal digital assistant; application of the exchange rate amount to some other assets belonging to the electronic wallet, such as card value tokens Or via email, SMS, social media or other electronic means to a computer, (iii) a printout of a tangible version of an electronic value token on a printing device selected by a kiosk or other user (for example, Selection of options for sending electronic value tokens for acquisition such as receipt-type printing (as described in US patent application Ser. No. 12 / 719,741, incorporated by reference in its entirety) to see. Each of the described screen view options includes functionality that allows the selection of the indicated option so that the user makes that desired selection in response to the information provided on each of the above screens. obtain. In this example, the user chooses that a merchant B25.00 electronic value token belonging to the electronic wallet is exchanged for a retailer A electronic value token. As a result, the Electronic Value Token Exchange program allows the retailer A Electronic to exchange $ 24.75 in the requested exchange if the user chooses that the exchange rate applies to the value of the Retailer A Electronic Value Token. Prompt kiosk 189 to indicate that users will earn value tokens (exchange rates will vary from transaction to transaction, and exchange rates may vary to any value, for example $ 0.001 to $ 10.00 or this Any value below, within or above the range). The user makes such a selection. The electronic value token exchange program prompts the kiosk 189 to indicate available delivery methods and the user chooses to send to the electronic wallet. The electronic value token exchange program shows another screen similar to FIG. 6C, but prompts kiosk 189 to indicate that the electronic wallet currently contains retailer A electronic value tokens in an amount of $ 24.75.

  As a result of the above “exchange” transaction, the e-wallet user received its desired retailer A e-value token, and the e-value token exchange program received a retailer B 25.00 e-value token . As part of the above transaction, the electronic value token exchange program has contacted the retailer A electronic value token electronic value token issuing entity (eg, in one aspect, the entity issuing the retailer A electronic value token). Requested an electronic value token exchange program 2000), and retailer A $ 24.75 electronic value token provided to meet the requirements of electronic wallet users; or an electronic value token exchange program Modified a retailer A electronic value token it was already controlled, for example, modified a retailer A $ 25.00 electronic value token to a value of only $ 24.75, and associated it with the card by $ 0.25 Issuer entity of retailer A Electronic Value Token that can reduce its debt It was known. In addition, the Electronic Value Token Exchange Program 2000 communicates to the Retailer B Electronic Value Token Issuer and provides the appropriate retailer B25.00 Electronic Value Token Identification to the issuer so that the issuer Retailer B25.00 electronic value token can be deleted from its debt list. Therefore, the net result is that the electronic value token exchange program activity is a $ 0.25 value that can be allocated to interested parties in accordance with established contractual obligations (exchange rate, i.e. electronic value acquired by the requesting user) A difference in the value of an electronic value token delivered by a user requesting as part of the token and exchange.

  In an alternative scenario, if an electronic wallet requesting user selects an exchange rate that is satisfied by another asset belonging to an electronic wallet or sub-wallet such as a credit card electronic value token or a debit card electronic value token, the electronic wallet user will Will provide a $ 25.00 merchant A e-value token that matches the $ 25.00 merchant A e-value token delivered in the transaction, and the $ 0.25 exchange rate will charge a charge for the credit card e-value token, Or debit cards will be realized by debiting electronic value tokens. Such operations are handled by communication between an electronic value token exchange program that requires an exchange rate value of $ 0.25 to be paid to the electronic value token exchange program and a credit card electronic value token or debit card electronic value token. It will be. Thus, again as a net result, the activity of the electronic value token exchange program would have yielded a value (exchange rate) of $ 0.25 that could be assigned to interested parties according to the contractual obligations set.

  The above electronic value token exchange transaction (or any described variation thereof) described the situation at kiosk 189, but also through a personal digital assistant with electronic wallet functionality at POS You can or access through a computer, the user is an electronic wallet.

  In an alternative electronic value token exchange aspect, as previously discussed, the electronic wallet may automatically direct electronic value token exchange activities. For example, an e-wallet user may use an e-wallet when the user presents an e-wallet to fulfill a retail establishment, eg, a transaction at retailer Q, and the e-wallet does not include a retailer Q brand e-value token. May initiate the electronic value token exchange process automatically and in real time, and the electronic wallet may manage the electronic wallet so that the electronic wallet communicates a request for electronic value token exchange to the electronic value token transaction computer 150. In this example, the electronic wallet user is placed in the designated sub-wallet with all electronic value tokens (gift card-type electronic value tokens) associated with the prepaid service, and each of the electronic value tokens takes precedence System ranking, for example, from the most preferred electronic value token or token type (eg # 1) to the least preferred electronic value token or token type (eg if there are 22 types of electronic value tokens in the sub-wallet, You have managed your electronic wallet to be located / required / designated in the wallet, for example, retailer M brand electronic value token can be designated as the most preferred, and retailer L brand electronic value token is , Most unfavorable In a further example, an electronic wallet may also facilitate transactions with the retailer where the electronic wallet does not include any of the retailer's electronic value tokens, such as the retailer Q scenario described above. (The electronic wallet will recognize the retailer based on information exchanged between the electronic wallet and the retailer's communication device at the beginning of the original transaction) To initiate a token exchange request and fill the amount of the most unfavorable electronic value token belonging to the electronic wallet in the request, i.e. the retailer L brand electronic value token (# 22) and, if necessary, the original transaction Instruct to include exchange of preferred electronic value tokens # 21, # 20, etc. for a sufficient amount of merchant Q electronic value tokens to When the electronic value token trading computer 150 receives an electronic value token exchange request, the electronic value token trading computer 150, for example, an electronic value token exchange program (for example, an electronic value token distributor) The electronic value token transaction processing system 100) to achieve the requested electronic value token exchange, the requested electronic value token exchange takes place, and the electronic wallet receives the requested retailer Q Receives the brand's electronic value token, which is used simultaneously in conducting the original transaction, and the electronic wallet transfers the retailer L brand's electronic value token to the electronic value token trading computer 150 (or for use) Not available and used only for modification In this case, this was actually valued in the over-required retailer Q brand electronic value token. Accordingly, the electronic value token trading computer 150 modifies the retailer L brand electronic value token (either internally or through communication with the retailer L brand value token issuance registration system) Reflecting the decline in value based on the retailer Q brand electronic value token provided, extract the exchange rate for exchanging the retailer L brand value of the retailer Q brand electronic value token to the electronic value token Communicate transaction information to all interested parties (more fully discussed herein) and return value-modified retailer L brand electronic value tokens to the user's electronic wallet (Or make it available again).

  In an alternative embodiment, the electronic wallet electronic value token exchange rules query the electronic value token trading computer 150 for the best available exchange rate for the electronic value token that the electronic wallet belongs to the electronic wallet, and It can be provided that exchanges are made based on the best exchange rate rather than ranking. In addition, the electronic wallet user can subjectively determine which electronic token (s) should be exchanged to fulfill the transaction.

  In an aspect, the electronic token exchange program 2000 may investigate the user's electronic wallet and sub-wallet maintained by the electronic value token transaction computer 150, and exchange the electronic wallet user (s) with the electronic value token exchange. Proposals for (single or plural) may be made. For example, the Electronic Token Exchange Program 2000 may include: (i) a history of e-wallet use; (ii) the total time that an unused e-value token belonged to an e-wallet; Requests for electronic value tokens; (iv) Date of damage to electronic value tokens; (v) Promotion application to obtain electronic value tokens; and (vi) Electronic wallet usage determined based on a combination of these Proposal to exchange the electronic value token (s) belonging to the user's electronic wallet / sub-wallet with the electronic value token (s) not currently belonging to the user's electronic wallet / sub-wallet May be. In an aspect, the electronic token exchange program 2000 may add proposals for exchange with various value-added / bonus incentives previously described herein. In another aspect, the proposal may include an option for the user to place a portion of the exchange value amount in the savings wallet, as would be more fully below.

  As referenced with respect to both the primary electronic wallet and sub-wallet aspects described above, the disclosed electronic wallet and sub-wallet methods and systems provide the user with the location of the value token belonging to the electronic wallet or sub-wallet, and the electronic wallet. Provides the ability to specify rules that govern the use and / or effectiveness of wallets and / or sub-wallets. Also, as described herein, an electronic value token (s) is a sub-wallet configured to allow redemption activity (hereinafter designated as “completely redeemable” designated electronic wallet or sub-wallet). And may be placed in a sub-wallet configured for saving activity that is limited reimbursability (hereinafter referred to as “saving” designated electronic wallet or sub-wallet). In fact, the system provides the electronic value token (s) to be placed in the “purchased” designated electronic wallet or sub-wallet when the electronic value token becomes available to the electronic wallet or sub-wallet. .

  In some aspects, an electronic value token should be used for a savings activity by an electronic wallet or sub-wallet and therefore not readily available for general access or for redemption / exchange activities It may be designated for and / or placed in a certain electronic wallet and / or sub-wallet with rules providing things. In certain aspects, similar saving capabilities, functionality, requirements, and limitations of the electronic value token transaction processing system 100 described herein are detailed and described in International Application No. PCT / US11 / 49338, in its entirety. Are incorporated by reference and such similar saving capabilities, functionality, requirements and limitations may be adapted from the situation described in International Application No. PCT / US11 / 49338 that applies to this e-wallet / e-value token situation. .

  At least some aspects are that a user can “completely redeem” a designated electronic wallet or sub-wallet “save” from a designated electronic wallet or sub-wallet easily, and conversely an electronic value token (eg, debit card) Relevant electronic value tokens) can be redistributed. The user is restricted by rule to transfer a given number per calendar month, for example six “save” designated e-wallets or sub-wallets to a “completely redeemable” designated e-wallet or sub-wallet. obtain. The user may specify a one-time transfer via an electronic wallet system website, IVR, personal digital assistant or smartphone, or by a customer service representative. The user may also have established and automated a transfer between a designated “completely redeemable” designated electronic wallet or sub-wallet and a “saved” designated electronic wallet or sub-wallet. To encourage savings, the user may be presented with the option of automatically funding a designated “save” designated electronic wallet or sub-wallet from a designated “completely redeemable” designated wallet or sub-wallet. Well, this can be triggered by various trading events including: (a) when taking a direct deposit, (b) when a refill / recharge / full transaction occurs, and / or (c) specified At a given time interval (eg repeated every week or every month). The user can choose all of the available options, little or none. Moreover, the above events can be processed regardless of the current balance of the designated or “save” designated electronic wallet or sub-wallet “can be fully redeemed”. The user may have the ability to select the amount or percentage of electronic value tokens filled in a designated electronic wallet or sub-wallet that is “completely redeemable”. If the user selects a time interval for automatic transfer, the user will be able to select a preferred date. The user will have the flexibility to update, edit or otherwise change the automatic funding options at any time. Any negative “fully redeemable” designated e-wallet or sub-wallet must be “save” designated e-wallet or sub-wallet before initiating any automatic or one-time move May need to be preserved. Any amount available is designated as “save” from a designated electronic wallet or sub-wallet that can be “completely redeemed” if it cannot be fully funded by automatic transfer, or cannot be funded at all An electronic wallet or sub-wallet will receive and a notification will be provided to the electronic wallet user describing the transaction. The automatic transfer will then continue for the specified transfer option and amount.

  The above electronic value token trading computer 150 may run on any particular machine with sufficient processing power, memory resources, and network throughput capabilities to handle the necessary workload placed on it.

  All or part of the system described above runs on any specific machine or group of machines with sufficient processing power, memory resources and throughput capability to handle the necessary workload placed on the computer or group of computers. Can do. FIG. 5 illustrates a computer system 580 suitable for performing all or part of one or more of the aspects disclosed herein. Computer system 580 is connected to secondary storage 584, read only memory (ROM) 586, memory device including random access memory (RAM) 588, input / output (I / O) device 590 and network connectivity device 592. A processor 582 (which may be referred to as a central processor unit or CPU) is included. The processor 582 may be implemented as one or more CPU chips.

By programming and / or loading instructions executable on the computer system 580, at least one of the CPU 582, RAM 588 and ROM 586 is modified to provide new functionality taught in part by the present disclosure. It is understood that the computer system 580 is converted to a particular machine or device having. The functionality that can be executed by loading executable software into a computer can be converted into a hardware implementation according to well-known design rules, which is fundamental to electrical engineering and software engineering techniques . Decisions during the implementation of software-to-hardware concepts are typically based on considerations of design stability and the number of units produced rather than any issues related to software domain to hardware domain conversion Determined. Since it is generally more expensive to re-rotate the hardware implementation than to re-rotate the software design, it is preferable that designs subjected to subsequent frequent changes be implemented in software.
In general, for large scale manufacturing operations, the hardware implementation would not be more expensive than the software implementation, so a stable design that would be manufactured in large volumes would be It will preferably be implemented in an application specific integrated circuit (ASIC). Often, the design is developed and tested in software form using well-known design rules, and later converted to an equivalent hardware implementation in an application-specific integrated circuit that is hardwired. May be. A computer that is programmed and / or loaded with executable instructions in a manner similar to a machine controlled by a new ASIC that is a particular machine or device may be viewed as a particular machine or device.

  Secondary storage 584 typically includes one or more disk drives or tape devices, and for data non-volatile storage, and when RAM 588 is not large enough to hold all the working data Used as an overflow data storage device. Secondary storage 584 may be used to store programs loaded into RAM 588 when such programs are selected for execution. ROM 586 is used to store instructions and possibly data read during program execution. ROM 586 is a non-volatile memory device that typically has a small memory capacity compared to the memory capacity of the larger secondary storage 584. RAM 588 is used to store volatile data and possibly to store instructions. Access to both ROM 586 and RAM 588 is typically faster than to secondary storage 584. Secondary storage 584, RAM 588 and / or ROM 586 may be applied as computer readable storage media and / or non-transitory computer readable media in some circumstances.

  The input / output device 590 is a printer, video monitor, liquid crystal display (LCD), touch screen display, keyboard, keypad, switch, dial, mouse, trackball, voice recognizer, card reader, paper tape reader or other well-known device An input device may be included.

  Network connectivity device 592 includes modem, modem bank, Ethernet card, universal serial bus (USB) interface card, serial interface, token ring card, fiber data distribution interface (FDDI) card, wireless LAN (WLAN) card, code division Multiple Access (CDMA), Global System for Mobile Communications (GSM (registered trademark)), Long Term Evolution (LTE), World standard communication system (WiMAX) using microwave and / or other radio interface protocol radio It may take the form of a radio transceiver card, such as a transceiver card, as well as other known network devices. These network connectivity devices 592 may allow the processor 582 to communicate over the Internet or one or more intranets. In such network communication, it is conceivable that the processor 582 may receive information from the network, or may output information to the network in the process of performing the method steps described above. Such information is often expressed as a sequence of instructions executed using processor 582 and may be received from and output to the network, for example, in the form of computer data signals embedded in a carrier wave.

  Such information may include, for example, data or instructions executed using processor 582, and may be received from and output to the network in the form of a computer database band signal or a signal embedded in a carrier wave, for example. Also good. Other types of baseband signals at the carrier or signals embedded in the carrier or signals currently used or developed in the future may be generated according to several methods well known to those skilled in the art. A baseband signal or a signal embedded in a carrier wave may be referred to as a transient signal in some situations.

  The processor 582 has instructions, code, computer programs, scripts that it accesses from a hard disk, floppy disk, optical disk (systems based on these various disks can all consider secondary storage 584), Run ROM 586, RAM 588 or network connectivity device 592. Although only one processor 582 is shown, multiple processors may be shown. Thus, the instructions may be considered to be executed by a processor, but the instructions may be executed sequentially, simultaneously, or may otherwise be executed by one or more processors. Instructions, code, computer programs, scripts and / or data that may be accessed from secondary storage 584, such as hard drives, floppy disks, optical disks and / or other devices, ROM 586 and / or RAM 588, in some situations , Non-transitory directives and / or non-temporary information.

  In certain aspects, the computer system 580 may collaborate to perform tasks, including two or more computers in communication with each other. For example, and not by way of limitation, applications may be distributed in such a way as to allow simultaneous and / or parallel application command processing. Alternatively, the data processed by the application may be distributed in a way that allows different portions of the data set to be processed by two or more computers in parallel and / or in parallel. In certain aspects, virtualization software may be used by computer system 580 to provide multiple server functionality that is not directly coupled to the computer number in computer system 580. For example, the virtualization software provides 20 virtual servers on 4 physical computers. In an aspect, the functionality disclosed above may be provided by executing applications and / or applications in a cloud computing environment. Cloud computing can include providing computing services via network communications using dynamically measurable computing resources. Cloud computing can be supported at least in part by virtualization software. The cloud computing environment may be established by the enterprise and / or borrowed from a third party provider as needed. Some cloud computing environments may include cloud computing resources owned and operated by an enterprise, as well as cloud computing resources borrowed and / or rented from third party providers.

  In certain aspects, some or all of the functionality disclosed above may be provided as a computer program product. A computer program product may include one or more computer-readable storages embedded in a medium having computer-usable program code to perform the functionality disclosed above. A computer program product may include data structures, executable instructions, and other computer usable program code. The computer program product may be implemented on removable and / or non-removable computer storage media. Removable computer readable storage media include, but are not limited to, paper tape, magnetic tape, magnetic disk, optical disk, solid state memory chip such as analog magnetic tape, CD-ROM (CD-ROM) disk, floppy disk, jump ( jump) drive, digital card, multimedia card and others. The computer program product is stored by the computer system 580 in the secondary storage 584, in the ROM 586, in the RAM 588, and / or in other non-volatile and volatile memory of the computer system 580 at least one of the contents of the computer program product. May be suitable for loading parts. The processor 582, in part, processes executable instructions and / or data structures by directly accessing a computer program product, for example, by reading from a CD-ROM disk loaded in a peripheral disk drive of the computer system 580. obtain. Alternatively, the processor 582 may execute executable instructions and / or data by accessing the computer program product remotely, for example, by downloading executable instructions and / or data structures from a remote server via the network connectivity device 592. The structure can be processed. The computer program product loads data, data structures, files and / or executable instructions into secondary storage 584, ROM 586, RAM 588, and / or other non-volatile and volatile memory of computer system 580. And / or instructions to facilitate copying.

  In some situations, secondary storage 584, ROM 586, and RAM 588 may be referred to as non-transitory computer readable media or computer readable storage media. The dynamic RAM aspect of the RAM 588 is similarly activated during the time period when the dynamic RAM is powered and in its design, for example, the computer 580 is turned on and operational, but the dynamic RAM is written to it. It can be said to be a non-transitory computer readable medium in that it stores stored information. Similarly, processor 582 may include internal RAM, internal ROM, cache memory and / or other internal non-transitory storage blocks, which may be referred to as non-transitory computer-readable media or computer-readable storage media in some situations. It may contain sections or components.

  The order of the steps in the various processes, data flows and flowcharts shown are for illustrative purposes and do not necessarily reflect the order in which the various steps must be performed. The processes may be reorganized in different ways and in different orders to reflect the demands, requirements and priorities of the entities executing the system. Furthermore, many steps may be performed concurrently with other steps in some embodiments.

  Also, the techniques, systems, subsystems and methods described and illustrated in various aspects as separate or separate may be combined with other systems, modules, techniques or methods without departing from the spirit of the present disclosure. Or may be incorporated together. Other items shown or considered to be directly connected to or communicate with each other are no longer considered directly connected, but are still indirectly connected and electrically, mechanically , Or otherwise, may be connected via several interfaces or devices so that they can communicate with each other. Other examples of alterations, substitutions and changes will be ascertainable by one skilled in the art and may be made without departing from the spirit and scope disclosed. The following numbered descriptions represent a non-exhaustive collection of exemplary embodiments of the presently disclosed subject matter:

1. A method performed by a computer, which:
Receiving requests to process payment transactions for electronic wallets;
Identifying the authentication information of the request;
Identifying a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
Including methods.

2. One way:
Accepting an authentication token to access your electronic wallet,
A method further comprising:

  3. The method of 2, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, a mobile device, a password, a biometric identifier, or a combination thereof.

  4. The method of 1, wherein the electronic wallet includes a primary wallet and a sub-wallet.

5. Four ways:
Processing further comprising processing at least a portion of the request through the primary wallet.

  6. The method of 4, further comprising processing at least a portion of the request through the sub-wallet.

7. Four methods, where the primary wallet includes a value token, the method is:
Determining that the request is related to the primary wallet; and
Determining that a value token can meet the requirements,
Further comprising a method.

  8. The method of 7, wherein applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request.

9.4 Method, the sub-wallet contains value tokens, the method is:
Determining that the request is related to the sub-wallet; and
Determining that a value token can meet the requirements,
Further comprising a method.

10. 9 ways,
Applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.

  11. The method of 4, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the sub-wallet includes two or more value tokens. A method comprising at least another.

12. Eleven ways:
Determining that part of the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further comprising a method.

13. 12 ways:
Applying at least a portion of the primary wallet value token to the request; and
Applying at least part of the value token of the sub-wallet to the request,
Further comprising a method.

  14. The method of 8 or 13, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.

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

16. Four methods, where the aggregator system receives the request and the method is:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further comprising a method.

  17. The method of claim 1, wherein the request is identification of POS terminal; authentication information; purchase amount; identification of value token issuer; identification of vendor; identification of location; time of request; date of request; A method comprising information identifying a sub-wallet or a combination thereof; transaction data; authentication data; or a combination thereof.

  18. The method of 1, wherein the value token includes an electronic representation of value, the electronic representation of the value being a credit card, debit card, gift card, prepaid telephone card, patron card, membership card, ticket or ticket Issued by card, entertainment card, sports card, prepaid card, coupon, admission pass, prepaid or pre-purchased goods or services, cash, currency, credit card account, debit card account, merchant account, deposit account, retailer Credits, retailer-issued positions, retailer-issued promotional values, retailer-authorized credits, retailer-permitted positions, retailer-permitted promotional values, or combinations thereof, Method.

  19. The method of 18, wherein the value token further includes an electronic representation of at least two different types of value.

  20. The method of 1, wherein the value token includes a closed loop account number, and applying at least a portion of the value token is crediting or debiting the closed loop account associated with the closed loop account number. Method, including filling out.

  21. The method of 1, wherein the value token includes an open loop account number and applying at least a portion of the value token credits the open loop account associated with the open loop account number, or A method, including debiting.

  22. The method of 1, wherein applying at least a portion of the value token includes using the value token according to a variable set of rules that specify the priority of the value token.

  23. The method of 22, wherein the priority is a transaction information variable including the physical location of the retailer generating the electronic wallet request; transaction volume; retailer type; time of day; day of week; week of month; month of year The department of the retailer that generates the e-wallet request; the lane of the retailer that generates the e-wallet request; the checker identification; the parent company of the retailer that generates the e-wallet request; the value token value; the type of e-wallet request; Based on the method.

  24. The method of 1, wherein applying at least a portion of a value token includes using the value token according to a variable set of rules that specify a rate of electronic wallet requests to which the value token can be applied. ,Method.

25. One way:
The method further comprising examining a rule associated with the electronic wallet.

26. 25 ways to examine the rules are:
A method comprising examining the priority of value tokens.

27. 25 ways to examine the rules are:
Including examining the rate of the request;
The method wherein applying at least a portion of the value token includes applying at least a portion of the value token to the request according to a rate.

28. The method of 1, wherein the electronic wallet includes a closed loop related value token and an open loop related value token, the method being:
Selecting a closed loop related value token; and
Then selecting an open loop related value token,
Further comprising a method.

29. One method, where the electronic wallet contains an open loop related value token, the method is:
Withholding open-loop related value tokens from being applied to requests,
Further comprising a method.

30. One way:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Further comprising a method.

31. 30 ways:
Applying an exchange rate to an asset located in the second value token or electronic wallet.

32. 30 ways to exchange at least part of a value token:
Contact a second Value Token Distributor; and
Requesting a second value token distributor to provide a second value token;
Including a method.

33. The first method, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and the method is:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further comprising a method.

34. One way:
Supplying value tokens to electronic wallets,
Further comprising a method.

  35. The method of 34, wherein the value token is supplied in a quantity different from the purchase price.

  36. The method of 34, wherein supplying the electronic wallet includes encoding the value token with a coupon code.

  37. The method of 34, wherein supplying the electronic wallet includes adding a value token to the electronic wallet.

38. One way, the electronic wallet includes a saving designated sub-wallet, the method is:
Placing at least part of the value token in the designated sub-wallet for saving,
Further comprising a method.

39. The method performed by the computer:
Receiving a request to process a payment transaction for an electronic wallet;
Determining that the request contains valid authentication information;
Determining that a value token or combination of value tokens associated with an electronic wallet can meet the requirements; and
Applying at least part of the value token to at least part of the request,
Including a method.

40. 39 ways:
Allow authentication tokens to access your electronic wallet,
Further comprising a method.

  41. The method of 40, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, a mobile device, a password, a biometric identifier, or a combination thereof.

  42. The method of 39, wherein the electronic wallet includes a primary wallet and a sub-wallet.

43. 42 ways:
Processing further comprising processing at least a portion of the request through the primary wallet.

44. 43 ways:
Processing at least another part of the request through the sub-wallet,
Further comprising a method.

45. 42 methods, where the primary wallet contains a value token, the method is:
Determining that the request is related to the primary wallet;
Applying at least part of the value token means applying at least part of the primary wallet value token to the request,
Further comprising a method.

46. 42 methods, where the sub-wallet contains a value token, the methods are:
Determining that the request is related to the sub-wallet; and
Applying at least a portion of the value token means applying at least a portion of the sub-wallet value token to the request,
Further comprising a method.

  47. 42. The electronic wallet includes two or more value tokens, the primary wallet includes at least one of two or more value tokens, and the sub-wallet includes two or more value tokens. A method comprising at least another.

48. 47 ways:
Determining that part of the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further comprising a method.

49. 48 ways:
Applying at least a portion of the primary wallet value token to the request; and
Applying at least part of the value token of the sub-wallet to the request,
Further comprising a method.

  50. The method of 45 or 49, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.

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

52. 42 ways.
The aggregator system receives the request and the method is:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further comprising a method.

53. A method for a sub-wallet in an electronic wallet system, the method being:
Receiving a request to process a payment transaction for an electronic wallet from a primary wallet provider;
Determining that the value token can meet the requirements; and
Applying at least part of the value token to at least part of the request,
Including a method.

54. 53 ways:
Further comprising determining that the request is related to the sub-wallet;
Applying at least a portion of the value token means applying at least a portion of the sub-wallet value token to the request,
Including a method.

  55. The method of 53, wherein the sub-wallet includes a sub-sub-wallet.

56. 55 ways:
Further comprising determining that the request is related to a sub-sub-wallet;
Applying at least a portion of the value token means applying a sub-sub-wallet value token to the request,
Including a method.

57. 55 ways:
Determining that part of the request is related to the sub-wallet; and
Determining that another part of the request is related to sub-sub-wallet,
Further comprising a method.

  58. The method of 55, wherein the sub-wallet includes two or more value tokens, the sub-wallet includes two or more at least one value token, and the sub-sub-wallet includes two or more at least another value token. A method that includes a value token.

59. 58 ways:
Applying at least part of the sub-wallet value token to the request; and
Apply at least part of the value token of the sub-sub-wallet to the request,
Further comprising a method.

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

  61. The method of 56 or 59, wherein the sub-sub-wallet value token is applied to the request under the rules of the sub-sub-wallet or request.

62. A method for managing the contents of an electronic wallet:
Receiving a request related to an electronic wallet, the request including an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
Managing the contents of the electronic wallet according to the request,
Including a method.

63. 62 ways to manage content are:
Exchanging at least a portion of a small value token in the electronic wallet for at least a portion of a second value token not located in the electronic wallet;
Including a method.

64. 63 ways:
Applying an exchange rate to a second value token or asset located in the electronic wallet;
Further comprising a method.

65. 63 ways to exchange at least part of a value token:
Communicating to the second value token distributor of the second value token; and
Requesting a second value token distributor to provide a second value token;
Including a method.

66. The method of 62, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and the method is:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further comprising a method.

67. 62 ways:
Supplying value tokens to electronic wallets,
Further comprising a method.

  68. The method of 67, wherein supplying the electronic wallet includes adding a value token to the electronic wallet.

  69. The method of 67, wherein the value token is supplied in an amount different from the purchase price.

  70. The method of 67, wherein supplying the electronic wallet includes encoding the value token with a coupon code.

71. The method of 62, wherein the electronic wallet includes a sub-wallet designated for saving, said method comprising:
Placing at least part of the value token in the designated sub-wallet for saving,
Further comprising a method.

72. A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request to process a payment transaction against an electronic wallet;
Identifying the authentication information of the request;
Identify a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
A storage medium containing instructions for causing

73. A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request to process a payment transaction against an electronic wallet;
Determining that the request contains valid authentication information;
Determining that the value token or combination of value tokens associated with the electronic wallet can satisfy the request; and
Applying at least part of the value token to at least part of the request;
A storage medium containing instructions for causing

74. A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request from the primary wallet provider to process a payment transaction to the electronic wallet;
Determining that the value token can meet the requirements; and
Applying at least part of the value token to at least part of the request;
A storage medium containing instructions for causing

75. A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request related to an electronic wallet, wherein the request includes receiving an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
Managing the contents of the electronic wallet according to the request,
A storage medium containing instructions for causing

76. One or more processors;
A system comprising memory connected to at least one of one or more processors,
The memory includes executable instructions;
When executed, the instructions are executed by one or more processors,
Receiving a request to process a payment transaction against an electronic wallet;
Identifying the authentication information of the request;
Identifying a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
Make the system.

  77. The system of 76, wherein the one or more processors are allowed to accept the authentication token and access the electronic wallet.

  78. The system of 77, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, a mobile device, a password, a biometric identifier, or a combination thereof.

  79. 76 systems, wherein the electronic wallet includes a primary wallet and a sub-wallet.

  80. The system of 79, wherein the one or more processors are further caused to process at least a portion of the request through the primary wallet.

  81. The system of 79, wherein the one or more processors are further caused to process at least a portion of the request through the sub-wallet.

82. 79 systems, where the primary wallet contains value tokens and one or more processors:
Determining that the request is related to the primary wallet; and
Determining that the value token can fulfill the request,
Further let the system.

  83. The system of 82, wherein applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request.

84. 79 systems, where the sub-wallet contains value tokens and one or more processors:
Determining that the request is related to the sub-wallet; and
Determining that the value token can fulfill the request,
Further let the system.

  85. The system of 84, wherein applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.

  86. 79 systems, where an electronic wallet contains two or more value tokens, a primary wallet contains at least one of two or more value tokens, and a sub-wallet contains two or more value tokens. A system that includes at least the other.

87. 86 systems with one or more processors:
Determining that the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further let the system.

88. 87 systems:
Applying at least part of the primary wallet value token to the request; and
Applying at least a portion of the sub-wallet value token to the request,
Further including a system.

  89. The system of 83 or 88, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.

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

91. 79 systems, where the aggregator system receives the request and one or more processors:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further including a system.

  92. The system of 76, where the request is POS terminal identification; authentication information; purchase amount; value token issuer identification; vendor identification; location identification; request time; request date; A system that includes information identifying a sub-wallet or a combination thereof; transaction data; authentication data; or a combination thereof.

  93. 76 systems, where a value token contains an electronic representation of value, which can be a credit card, debit card, gift card, prepaid telephone card, patron card, membership card, ticket or ticket Issued by card, entertainment card, sports card, prepaid card, coupon, admission pass, prepaid or pre-purchased goods or services, cash, currency, credit card account, debit card account, merchant account, deposit account, retailer Credits, retailer-issued positions, retailer-issued promotional values, retailer-authorized credits, retailer-permitted positions, retailer-permitted promotional values, or combinations thereof, system.

  94. The system of 93, wherein the value token further includes an electronic representation of at least two different types of value.

  95. The system of 76, wherein the value token includes a closed loop account number, and applying at least a portion of the value token credits the closed loop account associated with the closed loop account number, or System, including debiting.

  96. The system of 76, wherein the value token includes an open loop account number, and applying at least a portion of the value token credits the open loop account associated with the open loop account number, or System, including debiting.

  97. The system of 76, wherein applying at least a portion of the value token includes using the value token according to a variable set of rules that specify the priority of the value token.

  98. 97 system, the priority is the transaction information variable including the physical location of the retailer generating the electronic wallet request; transaction volume; retailer type; time of day; day of week; week of month; month of year The department of the retailer that generates the electronic wallet request; the retailer lane that generates the electronic wallet request; the checker identification; the parent company of the retailer that generates the electronic wallet request; the value token value; the type of the electronic wallet request; Based on the system.

  99. The system of 76, wherein applying at least a portion of the value token includes using the value token according to a set of variable rules that specify the rate of electronic wallet requests to which the value token can be applied. ,system.

100. 76 systems with one or more processors:
Examine the rules associated with the electronic wallet,
Further let the system.

101. For 100 systems, checking the rules is:
A system that involves checking the priority of value tokens.

102. For 100 systems, checking the rules is:
Including examining the rate of the request;
Applying at least a portion of the value token includes applying at least a portion of the value token to the request according to a rate.

103. 76 systems, the electronic wallet includes a closed loop related value token and an open loop related value token, and one or more processors are:
Selecting a closed loop related value token; and
Then selecting an open loop related value token,
Further let the system.

104. 76 systems, the electronic wallet contains an open loop associated value token, and one or more processors are:
Withholding open-loop related value tokens from being applied to requests,
Further let the system.

105. 76 systems with one or more processors:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Further let the system.

106. 105 systems with one or more processors:
Applying an exchange rate or for assets located in a second value token or electronic wallet,
Further let the system.

107. In 105 systems, exchanging at least part of a value token is:
Contact a second Value Token Distributor; and
Requesting a second value token distributor to provide a second value token;
Including the system.

108. The system of 76, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and one or more processors are:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further let the system.

109. 76 systems with one or more processors:
Supplying value tokens to electronic wallets,
Further let the system.

  110. 109 systems, where value tokens are supplied in a total amount different from the purchase price.

  111. The system of 109, wherein supplying the electronic wallet includes encoding the value token with a coupon code.

  112. The system of 109, wherein supplying the electronic wallet includes adding a value token to the electronic wallet.

113. 76 systems, where an electronic wallet includes a designated savings sub-wallet and one or more processors are:
Placing at least part of the value token in the designated sub-wallet for saving,
Further let the system.

114. one or more processors;
A system including memory connected to at least one of the one or more processors, the memory including executable instructions;
When the executable instructions are executed, they are sent to one or more processors,
Receiving a request to process a payment transaction against an electronic wallet;
Determining that the request contains valid authentication information;
Determining that the request can be met; and
Determining that a value token or combination of value tokens associated with an electronic wallet can meet the requirements; and
Applying at least part of the value token to at least part of the request,
Make the system.

115. 114 systems, one or more processors: accepting an authentication token and accessing an electronic wallet;
Further let the system.

116. 115 systems,
The authentication information is based on the authentication information, the authentication token including a proxy card, a mobile device, a password, a biometric identifier, or a combination thereof.

  117. The system of 114, wherein the electronic wallet includes a primary wallet and a sub-wallet.

118. 117 systems with one or more processors:
Processing at least part of the request through the primary wallet,
Further let the system.

119. 118 systems with one or more processors:
Processing at least some of the requests that went through the sub-wallet,
Further let the system.

120. 117 systems, where the primary wallet contains value tokens and one or more processors:
Being further determined to determine that the request is related to the primary wallet;
Applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request;
system.

121. The system of 117, where the sub-wallet contains a value token and one or more processors are:
Is allowed to determine that the request is related to the sub-wallet,
Applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.

  122. The system of 117, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of two or more value tokens, and the sub-wallet includes two or more value tokens. A system that includes at least the other.

123. 122 systems with one or more processors:
Determining that part of the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further let the system.

124. 123 systems,
Applying at least a portion of the primary wallet value token to the request; and
Applying at least part of the value token of the sub-wallet to the request,
Including the system.

  125. The system of 120 or 124, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.

  126. The system of 121 or 124, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request.

127. The system of 117, where the aggregator system receives the request and one or more processors are:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further let the system.

128. With one or more processors
A system including a memory connected to at least one of the one or more processors, the memory including executable instructions;
When one or more processors are executed when the instructions are executed:
Receiving a request from the primary wallet provider to process a payment transaction to the electronic wallet;
Determining that the value token can meet the requirements; and
Applying at least part of the value token to at least part of the request;
Make the system.

129. 128 systems with one or more processors:
Determining that the request is related to the sub-wallet,
Is further,
Applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.

  130. The system of 128, wherein the sub-wallet includes the sub-sub-wallet.

131. 130 systems with one or more processors:
Determining that the request is relevant to the sub-sub-wallet,
To be further
Applying at least part of the value token includes applying at least part of the sub-sub-wallet value token to the request.

132. 130 systems with one or more processors:
Determining that part of the request is related to the sub-wallet; and
Determining that another part of the request is related to sub-sub-wallet,
Further let the system.

  133. 130 systems, wherein an electronic wallet contains two or more value tokens, a sub-wallet contains at least one of two or more value tokens, and a sub-sub-wallet contains two or more value tokens A system that includes at least the other.

134. 133 systems:
Applying at least part of the sub-wallet value token to the request; and
Apply at least part of the value token of the sub-sub-wallet to the request,
Further including a system.

  135. The system of 129 or 134, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request.

  136. The system of 131 or 134, wherein the sub-sub-wallet value token is applied to the request under the rules of the sub-sub-wallet or request.

137. With one or more processors
A system comprising memory connected to at least one of one or more processors,
The memory includes executable instructions that, when executed, cause one or more processors to execute:
Receiving a request associated with an electronic wallet, the request comprising an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
Managing the contents of the electronic wallet according to the request,
Make the system.

138. For 137 systems, managing content is:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Including the system.

139. 138 systems with one or more processors:
A system further adapted to apply an exchange rate to an asset located in a second value token or electronic wallet.

140. In 138 systems, exchanging at least part of a value token is:
Communicating to the second value token distributor of the second value token; and
Requesting a second value token distributor to provide a second value token;
Including the system.

141. The 137 system, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and one or more processors are:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further let the system.

142. 137 systems with one or more processors:
Supplying value tokens to electronic wallets,
Further let the system.

  143. 142 systems, where value tokens are supplied in a total amount different from the purchase price.

  144. The system of 142, wherein supplying the electronic wallet includes encoding the value token with a coupon code.

  145. The system of 142, wherein supplying the electronic wallet includes adding a value token to the electronic wallet.

146. The 137 system, where the electronic wallet includes a designated savings sub-wallet, and one or more processors are:
Placing at least part of the value token in the designated sub-wallet for saving,
Further let the system.

147. one or more processors;
A system including memory connected to at least one of the one or more processors, the memory including executable instructions;
When one or more processors are executed when the instructions are executed:
Receiving a request to process a payment transaction against an electronic wallet;
Identifying the authentication information of the request;
Identifying a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
Make the system.

  148. The system of 147, wherein the one or more processors are further adapted to accept the authentication token and access the electronic wallet.

  149. The system of 148, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, a mobile device, a password, a biometric identifier, or a combination thereof.

  150. The system of 149, wherein the electronic wallet includes a primary wallet and a sub-wallet.

  151. The system of 150, wherein the one or more processors are further caused to process at least a portion of the request through the primary wallet.

  152. The system of 151, wherein the one or more processors are further caused to process at least a portion of the request through the sub-wallet.

153. 152 systems, where the primary wallet contains value tokens and one or more processors are:
Determining that the request is related to the primary wallet; and
Determining that the value token can fulfill the request,
Further let the system.

  154. The system of 153, wherein applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request.

155. 154 systems where the sub-wallet contains value tokens and one or more processors are:
Determining that the request is related to the sub-wallet; and
Determining that the value token can fulfill the request,
The system is made even further.

  156. The system of 155, wherein applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.

  157. 156 systems, where an electronic wallet contains two or more value tokens, a primary wallet contains at least one of two or more value tokens, and a sub-wallet contains two or more value tokens A system that includes at least the other.

158. 157 systems with one or more processors:
Determining that the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further let the system.

159. 158 systems with one or more processors:
Applying at least part of the primary wallet value token to the request; and
Applying at least a portion of the sub-wallet value token to the request,
Further let the system.

  160. The system of 159, wherein the primary wallet value token is applied to the request under the rules of the primary wallet.

  161. The system of 159, wherein the primary wallet value token is applied to the request under the rules of the request.

  162. The system of 159, wherein the sub-wallet value token is applied to the request under sub-wallet rules.

  163. The system of 159, wherein the sub-wallet value token is applied to the request under the rules of the request.

164. 159 systems, where the aggregator system receives the request and one or more processors:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further let the system.

  165. The system of 164, where the request is POS terminal identification; authentication information; quantity of purchase; value token issuer identification; vendor identification; location identification; request time; request date; A system that includes information identifying a sub-wallet or a combination thereof; transaction data; authentication data; or a combination thereof.

  166. The 165 system, wherein the value token includes an electronic representation of value, the electronic representation of value being a credit card, debit card, gift card, prepaid telephone card, patron card, membership card, ticket or ticket Issued by card, entertainment card, sports card, prepaid card, coupon, admission pass, prepaid or pre-purchased goods or services, cash, currency, credit card account, debit card account, merchant account, deposit account, retailer Credits, retailer-issued positions, retailer-issued promotional values, retailer-authorized credits, retailer-permitted positions, retailer-permitted promotional values, or combinations thereof, system.

  167. The system of 166, wherein the value token further includes an electronic representation of at least two different types of value.

  168. The system of 167, wherein the value token includes a closed loop account number, and applying at least a portion of the value token credits the closed loop account associated with the closed loop account number, or System, including debiting.

  169. The system of 168, wherein the value token includes an open loop account number and applying at least a portion of the value token credits the open loop account associated with the open loop account number, or System, including debiting.

  170. The system of 169, wherein applying at least a portion of the value token includes using the value token according to a configurable set of rules that specify the priority of the value token.

  171. 170 systems, the priority is a transaction information variable that includes the physical location of the retailer generating the electronic wallet request; transaction volume; retailer type; time of day; day of week; week of month; month of year The department of the retailer that generates the electronic wallet request; the retailer lane that generates the electronic wallet request; the checker identification; the parent company of the retailer that generates the electronic wallet request; the value token value; the type of the electronic wallet request; Based on the system.

  172. In 171 systems, applying at least part of a value token means using the value token according to a configurable set of rules that specify the proportion of electronic wallet requests to which the value token can be applied. Including the system.

173. 172 systems with one or more processors:
Examine the rules associated with the electronic wallet,
Further let the system.

174. For 173 systems, checking the rules is:
A system that involves checking the priority of value tokens.

175. The system of 174, wherein examining the rules includes examining the ratio of requests,
Applying at least a portion of the value token includes applying at least a portion of the value token to the request according to a ratio.

176. The system of 175, wherein the electronic wallet includes a closed loop related value token and an open loop related value token, and the one or more processors are:
Selecting a closed loop related value token; and
Then selecting an open loop related value token,
Further let the system.

177. 176 systems, where the electronic wallet contains an open loop associated value token, and one or more processors are:
Withholding open-loop related value tokens from being applied to requests,
Further let the system.

178. 177 systems with one or more processors:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Let the system further.

179. 178 systems with one or more processors:
Applying exchange rates to assets located in a second value token or electronic wallet,
Further let the system.

180. For 179 systems, exchanging at least part of a value token is:
Contact a second Value Token Distributor; and
Requesting a second value token distributor to provide a second value token;
Including the system.

181. A 180 system, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and one or more processors are:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further let the system.

182. 181 systems with one or more processors:
Supplying value tokens to electronic wallets,
Further let the system.

  183. 182 systems, where value tokens are supplied in a total amount different from the purchase price.

  184. The system of 183, wherein supplying the electronic wallet includes encoding the value token with a coupon code.

  185. The system of 184, wherein supplying the electronic wallet includes adding a value token to the electronic wallet.

186. The system of 185, wherein the electronic wallet includes a designated savings sub-wallet, and one or more processors are:
Placing at least part of the value token in the designated sub-wallet for saving,
Further let the system.

An electronic value token transaction processing system that allows a user to purchase, redeem and / or exchange electronic value tokens belonging to an electronic wallet has been described herein.
It will be apparent to those skilled in the art that modifications may be made without departing from the spirit and scope of the disclosure.
The described embodiments are merely representative and are not intended to be limiting.
Many variations, combinations and modifications of the applications disclosed herein are possible and within the scope of the disclosure.
Accordingly, the scope of protection is not limited out of the set by the description, but is defined by the claims that follow. And its scope includes all equivalents of the claimed subject matter.

Claims (186)

A method performed by a computer comprising:
Receiving requests to process payment transactions for electronic wallets;
Identifying the authentication information of the request;
Identifying a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
Including methods. The method of claim 1, wherein:
Accepting an authentication token to access your electronic wallet,
A method further comprising:   The method of claim 2, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, a mobile device, a password, a biometric identifier, or a combination thereof.   The method of claim 1, wherein the electronic wallet includes a primary wallet and a sub-wallet. 5. The method of claim 4, wherein:
Processing further comprising processing at least a portion of the request through the primary wallet.   5. The method of claim 4, further comprising processing at least a portion of a request that has passed through a sub-wallet. 5. The method of claim 4, wherein the primary wallet includes a value token, the method:
Determining that the request is related to the primary wallet; and
Determining that a value token can meet the requirements,
Further comprising a method.   8. The method of claim 7, wherein applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request. 5. The method of claim 4, wherein the sub-wallet includes a value token, the method:
Determining that the request is related to the sub-wallet; and
Determining that a value token can meet the requirements,
Further comprising a method. The method of claim 9, comprising:
Applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.   5. The method of claim 4, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of two or more value tokens, and the sub-wallet includes two or more value tokens. A method comprising at least the other of the tokens. 12. The method of claim 11, wherein:
Determining that part of the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further comprising a method. The method of claim 12, wherein:
Applying at least a portion of the primary wallet value token to the request; and
Applying at least part of the value token of the sub-wallet to the request,
Further comprising a method.   14. A method according to claim 8 or 13, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.   14. A method according to claim 10 or 13, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request. 5. The method of claim 4, wherein the aggregator system receives the request and the method is:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further comprising a method.   The method of claim 1, wherein the request is a POS terminal identification; authentication information; purchase amount; value token issuer identification; vendor identification; location identification; request time; request date; Information comprising identifying a wallet, sub-wallet or combination thereof; transaction data; authentication data; or a combination thereof.   2. The method of claim 1, wherein the value token includes an electronic representation of the value, the electronic representation of the value being a credit card, a debit card, a gift card, a prepaid telephone card, a patron card, a membership card, a ticket. Or ticket card, entertainment card, sports card, prepaid card, coupon, admission pass, prepaid or pre-purchased goods or services, cash, currency, credit card account, debit card account, retailer account, deposit account, retailer The credits issued by the retailer, the location issued by the retailer, the promotional value issued by the retailer, the credit authorized by the retailer, the location authorized by the retailer, the promotional value authorized by the retailer, or a combination thereof. Including.   19. The method of claim 18, wherein the value token further comprises an electronic representation of at least two different types of value.   The method of claim 1, wherein the value token includes a closed loop account number, and applying at least a portion of the value token credits the closed loop account associated with the closed loop account number; Or a method, including debiting.   The method of claim 1, wherein the value token includes an open loop account number, and applying at least a portion of the value token credits the open loop account associated with the open loop account number. , Or including debiting.   2. The method of claim 1, wherein applying at least a portion of a value token includes using the value token according to a variable set of rules that specify the priority of the value token. 23. The method of claim 22, wherein the priority is a transaction information variable including the physical location of the retailer generating the electronic wallet request; transaction volume; retailer type; time; day of week; week of month; Month of the retailer that generates the electronic wallet request; the retailer lane that generates the electronic wallet request; the checker identification;
A method based on the parent company of the retailer generating the electronic wallet request; the value of the value token; the type of the electronic wallet request; or a combination thereof.   The method of claim 1, wherein applying at least a portion of the value token uses the value token according to a variable set of rules that specify the rate of electronic wallet requests to which the value token can be applied. Including a method. The method of claim 1, wherein:
The method further comprising examining a rule associated with the electronic wallet. 26. The method of claim 25, wherein examining the rules is:
A method comprising examining the priority of value tokens. 26. The method of claim 25, wherein examining the rules is:
Including examining the rate of the request;
The method wherein applying at least a portion of the value token includes applying at least a portion of the value token to the request according to a rate. The method of claim 1, wherein the electronic wallet includes a closed loop associated value token and an open loop associated value token, the method comprising:
Selecting a closed loop related value token; and
Then selecting an open loop related value token,
Further comprising a method. The method of claim 1, wherein the electronic wallet includes an open loop associated value token, the method comprising:
Withholding open-loop related value tokens from being applied to requests,
Further comprising a method. The method of claim 1, wherein:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Further comprising a method. The method of claim 30, wherein:
Applying an exchange rate to an asset located in the second value token or electronic wallet. 32. The method of claim 30, wherein exchanging at least a portion of the value token is:
Contact a second Value Token Distributor; and
Requesting a second value token distributor to provide a second value token;
Including a method. The method of claim 1, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and the method includes:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further comprising a method. The method of claim 1, wherein:
Supplying value tokens to electronic wallets,
Further comprising a method.   35. The method of claim 34, wherein the value token is provided in an amount different from the purchase price.   35. The method of claim 34, wherein providing an electronic wallet includes encoding a value token with a coupon code.   35. The method of claim 34, wherein providing an electronic wallet includes adding a value token to the electronic wallet. The method of claim 1, wherein the electronic wallet includes a saving designated sub-wallet, the method comprising:
Placing at least part of the value token in the designated sub-wallet for saving,
Further comprising a method. A method performed by a computer comprising:
Receiving a request to process a payment transaction for an electronic wallet;
Determining that the request contains valid authentication information;
Determining that a value token or combination of value tokens associated with an electronic wallet can meet the requirements; and
Applying at least part of the value token to at least part of the request,
Including a method. 40. The method of claim 39, wherein:
Allow authentication tokens to access your electronic wallet,
Further comprising a method.   41. The method of claim 40, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, mobile device, password, biometric identifier, or combinations thereof.   40. The method of claim 39, wherein the electronic wallet includes a primary wallet and a sub-wallet. 43. The method of claim 42, wherein:
Processing further comprising processing at least a portion of the request through the primary wallet. 44. The method of claim 43, wherein:
Processing at least another part of the request through the sub-wallet,
Further comprising a method. 43. The method of claim 42, wherein the primary wallet includes a value token, the method:
Determining that the request is related to the primary wallet;
Applying at least part of the value token means applying at least part of the primary wallet value token to the request,
Further comprising a method. 43. The method of claim 42, wherein the sub-wallet includes a value token, the method:
Determining that the request is related to the sub-wallet; and
Applying at least a portion of the value token means applying at least a portion of the sub-wallet value token to the request,
Further comprising a method.   43. The method of claim 42, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the sub-wallet includes the two or more value tokens. A method comprising at least the other of the tokens. 48. The method of claim 47, wherein:
Determining that part of the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further comprising a method. 49. The method of claim 48, wherein:
Applying at least a portion of the primary wallet value token to the request; and
Applying at least part of the value token of the sub-wallet to the request,
Further comprising a method.   50. The method of claim 45 or 49, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.   50. A method according to claim 46 or 49, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request. 43. The method of claim 42, wherein
The aggregator system receives the request and the method is:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further comprising a method. A method for a sub-wallet in an electronic wallet system,
Receiving a request to process a payment transaction for an electronic wallet from a primary wallet provider;
Determining that the value token can meet the requirements; and
Applying at least part of the value token to at least part of the request,
Including a method. 54. The method of claim 53, wherein:
Further comprising determining that the request is related to the sub-wallet;
Applying at least a portion of the value token means applying at least a portion of the sub-wallet value token to the request,
Including a method.   54. The method of claim 53, wherein the sub-wallet includes a sub-sub-wallet. 56. The method of claim 55, wherein:
Further comprising determining that the request is related to a sub-sub-wallet;
Applying at least a portion of the value token means applying a sub-sub-wallet value token to the request,
Including a method. 56. The method of claim 55, wherein:
Determining that part of the request is related to the sub-wallet; and
Determining that another part of the request is related to sub-sub-wallet,
Further comprising a method.   56. The method of claim 55, wherein the sub-wallet includes two or more value tokens, the sub-wallet includes two or more at least one value token, and the sub-sub-wallet includes at least two or more other tokens. A method involving one value token. 59. The method of claim 58, wherein:
Applying at least part of the sub-wallet value token to the request; and
Apply at least part of the value token of the sub-sub-wallet to the request,
Further comprising a method.   60. The method of claim 54 or 59, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request.   60. The method of claim 56 or 59, wherein the sub-sub-wallet value token is applied to the request under the rules of the sub-sub-wallet or request. A method for managing the contents of an electronic wallet:
Receiving a request related to an electronic wallet, the request including an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
Managing the contents of the electronic wallet according to the request,
Including a method. 63. The method of claim 62, wherein managing content is:
Exchanging at least a portion of a small value token in the electronic wallet for at least a portion of a second value token not located in the electronic wallet;
Including a method. 64. The method of claim 63, wherein:
Applying an exchange rate to a second value token or asset located in the electronic wallet;
Further comprising a method. 64. The method of claim 63, wherein exchanging at least a portion of the value token is:
Communicating to the second value token distributor of the second value token; and
Requesting a second value token distributor to provide a second value token;
Including a method. 64. The method of claim 62, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and the method includes:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further comprising a method. 64. The method of claim 62, wherein:
Supplying value tokens to electronic wallets,
Further comprising a method.   68. The method of claim 67, wherein supplying the electronic wallet includes adding a value token to the electronic wallet.   68. The method of claim 67, wherein the value token is provided in an amount different from the purchase price.   68. The method of claim 67, wherein providing an electronic wallet includes encoding a value token with a coupon code. 64. The method of claim 62, wherein the electronic wallet includes a saving designated sub-wallet, the method comprising:
Placing at least part of the value token in the designated sub-wallet for saving,
Further comprising a method. A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request to process a payment transaction against an electronic wallet;
Identifying the authentication information of the request;
Identify a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
A storage medium containing instructions for causing A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request to process a payment transaction against an electronic wallet;
Determining that the request contains valid authentication information;
Determining that the value token or combination of value tokens associated with the electronic wallet can satisfy the request; and
Applying at least part of the value token to at least part of the request;
A storage medium containing instructions for causing A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request from the primary wallet provider to process a payment transaction to the electronic wallet;
Determining that the value token can meet the requirements; and
Applying at least part of the value token to at least part of the request;
A storage medium containing instructions for causing A non-transitory storage medium containing executable instructions that can be read by a machine, to one or more processors when the instructions are executed:
Receiving a request related to an electronic wallet, wherein the request includes receiving an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
Managing the contents of the electronic wallet according to the request,
A storage medium containing instructions for causing One or more processors;
A system comprising memory connected to at least one of one or more processors,
The memory includes executable instructions;
When executed, the instructions are executed by one or more processors,
Receiving a request to process a payment transaction against an electronic wallet;
Identifying the authentication information of the request;
Identifying a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
Make the system.   77. The system of claim 76, wherein the one or more processors are allowed to accept the authentication token and access the electronic wallet.   78. The system of claim 77, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, mobile device, password, biometric identifier, or combinations thereof.   77. The system of claim 76, wherein the electronic wallet includes a primary wallet and a sub-wallet.   80. The system of claim 79, wherein the one or more processors are further caused to process at least a portion of a request through the primary wallet.   80. The system of claim 79, wherein the one or more processors are further caused to process at least a portion of a request that has passed through the sub-wallet. 80. The system of claim 79, wherein the primary wallet includes a value token and the one or more processors are:
Determining that the request is related to the primary wallet; and
Determining that the value token can fulfill the request,
Further let the system.   83. The system of claim 82, wherein applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request. 80. The system of claim 79, wherein the sub-wallet includes a value token and the one or more processors are:
Determining that the request is related to the sub-wallet; and
Determining that the value token can fulfill the request,
Further let the system.   85. The system of claim 84, wherein applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.   80. The system of claim 79, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the sub-wallet includes the two or more value tokens. A system that includes at least one other token. 90. The system of claim 86, wherein the one or more processors are:
Determining that the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further let the system. 90. The system of claim 87, wherein:
Applying at least part of the primary wallet value token to the request; and
Applying at least a portion of the sub-wallet value token to the request,
Further including a system.   90. A system according to claim 83 or 88, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.   90. A system according to claim 85 or 88, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request. 80. The system of claim 79, wherein the aggregator system receives the request and the one or more processors are:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further including a system.   77. The system of claim 76, wherein the request comprises: POS terminal identification; authentication information; amount of purchase; value token issuer identification; vendor identification; location identification; request time; A system that includes information identifying a wallet, sub-wallet or combination thereof; transaction data; authentication data; or a combination thereof.   77. The system of claim 76, wherein the value token includes an electronic representation of value, wherein the electronic representation of value is a credit card, a debit card, a gift card, a prepaid telephone card, a patron card, a membership card, a ticket. Or ticket card, entertainment card, sports card, prepaid card, coupon, admission pass, prepaid or pre-purchased goods or services, cash, currency, credit card account, debit card account, retailer account, deposit account, retailer The credits issued by the retailer, the location issued by the retailer, the promotional value issued by the retailer, the credit authorized by the retailer, the location authorized by the retailer, the promotional value authorized by the retailer, or a combination thereof. Including the system.   94. The system of claim 93, wherein the value token further comprises an electronic representation of at least two different types of value.   77. The system of claim 76, wherein the value token includes a closed loop account number and applying at least a portion of the value token credits the closed loop account associated with the closed loop account number. , Or systems that include debiting.   77. The system of claim 76, wherein the value token includes an open loop account number and applying at least a portion of the value token credits the open loop account associated with the open loop account number. , Or systems that include debiting.   77. The system of claim 76, wherein applying at least a portion of the value token includes using the value token according to a variable set of rules that specify the priority of the value token.   99. The system of claim 97, wherein the priority is a transaction information variable including the physical location of the retailer that generates the electronic wallet request; transaction volume; retailer type; time; day of week; week of month; Month of the retailer that generates the electronic wallet request; the retailer lane that generates the electronic wallet request; identification of the checker; the parent company of the retailer that generates the electronic wallet request; the value token value; the type of the electronic wallet request; or these A system that is based on a combination of.   77. The system of claim 76, wherein applying at least a portion of a value token uses the value token according to a variable set of rules that specify a rate of electronic wallet requests to which the value token can be applied. Including the system. 77. The system of claim 76, wherein the one or more processors are:
Examine the rules associated with the electronic wallet,
Further let the system. The system of claim 100, wherein examining the rules is:
A system that involves checking the priority of value tokens. The system of claim 100, wherein examining the rules is:
Including examining the rate of the request;
Applying at least a portion of the value token includes applying at least a portion of the value token to the request according to a rate. 77. The system of claim 76, wherein the electronic wallet includes a closed loop associated value token and an open loop associated value token, wherein the one or more processors are:
Selecting a closed loop related value token; and
Then selecting an open loop related value token,
Further let the system. 77. The system of claim 76, wherein the electronic wallet includes an open loop associated value token and the one or more processors are:
Withholding open-loop related value tokens from being applied to requests,
Further let the system. 77. The system of claim 76, wherein the one or more processors are:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Further let the system. 106. The system of claim 105, wherein the one or more processors are:
Applying an exchange rate or for assets located in a second value token or electronic wallet,
Further let the system. 106. The system of claim 105, wherein exchanging at least a portion of a value token is:
Contact a second Value Token Distributor; and
Requesting a second value token distributor to provide a second value token;
Including the system. 77. The system of claim 76, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and the one or more processors are:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further let the system. 77. The system of claim 76, wherein the one or more processors are:
Supplying value tokens to electronic wallets,
Further let the system.   110. The system of claim 109, wherein the value token is supplied in a total amount that is different from the purchase price.   110. The system of claim 109, wherein providing an electronic wallet includes encoding a value token with a coupon code.   110. The system of claim 109, wherein providing an electronic wallet includes adding a value token to the electronic wallet. 77. The system of claim 76, wherein the electronic wallet includes a saving designated sub-wallet, wherein the one or more processors are:
Placing at least part of the value token in the designated sub-wallet for saving,
Further let the system. One or more processors;
A system including memory connected to at least one of the one or more processors, the memory including executable instructions;
When the executable instructions are executed, they are sent to one or more processors,
Receiving a request to process a payment transaction against an electronic wallet;
Determining that the request contains valid authentication information;
Determining that the request can be met; and
Determining that a value token or combination of value tokens associated with an electronic wallet can meet the requirements; and
Applying at least part of the value token to at least part of the request,
Make the system. 115. The system of claim 114, wherein the one or more processors: accept an authentication token and access an electronic wallet;
Further let the system. 116. The system of claim 115, wherein:
The authentication information is based on the authentication information, the authentication token including a proxy card, a mobile device, a password, a biometric identifier, or a combination thereof.   119. The system of claim 114, wherein the electronic wallet includes a primary wallet and a sub-wallet. 118. The system of claim 117, wherein the one or more processors are:
Processing at least part of the request through the primary wallet,
Further let the system. 119. The system of claim 118, wherein the one or more processors are:
Processing at least some of the requests that went through the sub-wallet,
Further let the system. 118. The system of claim 117, wherein the primary wallet includes a value token and the one or more processors are:
Being further determined to determine that the request is related to the primary wallet;
Applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request;
system. 118. The system of claim 117, wherein the sub-wallet includes a value token and the one or more processors are:
Is allowed to determine that the request is related to the sub-wallet,
Applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.   118. The system of claim 117, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the sub-wallet includes two or more value tokens. A system that includes at least one other token. The system of claim 122, wherein the one or more processors are:
Determining that part of the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further let the system. The system of claim 123, wherein
Applying at least a portion of the primary wallet value token to the request; and
Applying at least part of the value token of the sub-wallet to the request,
Including the system.   125. The system of claim 120 or 124, wherein the primary wallet value token is applied to the request under the rules of the primary wallet or request.   125. The system of claim 121 or 124, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request. 118. The system of claim 117, wherein the aggregator system receives the request and the one or more processors are:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further let the system. With one or more processors
A system including a memory connected to at least one of the one or more processors, the memory including executable instructions;
When one or more processors are executed when the instructions are executed:
Receiving a request from the primary wallet provider to process a payment transaction to the electronic wallet;
Determining that the value token can meet the requirements; and
Applying at least part of the value token to at least part of the request;
Make the system. 129. The system of claim 128, wherein the one or more processors are:
Determining that the request is related to the sub-wallet,
Is further,
Applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.   129. The system of claim 128, wherein the sub-wallet includes a sub-sub-wallet. 130. The system of claim 130, wherein the one or more processors are:
Determining that the request is relevant to the sub-sub-wallet,
To be further
Applying at least part of the value token includes applying at least part of the sub-sub-wallet value token to the request. 130. The system of claim 130, wherein the one or more processors are:
Determining that part of the request is related to the sub-wallet; and
Determining that another part of the request is related to sub-sub-wallet,
Further let the system.   130. The system of claim 130, wherein the electronic wallet includes two or more value tokens, the sub-wallet includes at least one of the two or more value tokens, and the sub-sub-wallet includes two or more value tokens. A system that includes at least one other token. 134. The system of claim 133, wherein:
Applying at least part of the sub-wallet value token to the request; and
Apply at least part of the value token of the sub-sub-wallet to the request,
Further including a system.   135. A system according to claim 129 or 134, wherein the sub-wallet value token is applied to the request under the rules of the sub-wallet or request.   135. The system of claim 131 or 134, wherein the sub-sub-wallet value token is applied to the request under the rules of the sub-sub-wallet or request. With one or more processors
A system comprising memory connected to at least one of one or more processors,
The memory includes executable instructions that, when executed, cause one or more processors to execute:
Receiving a request associated with an electronic wallet, the request comprising an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof; and
Managing the contents of the electronic wallet according to the request,
Make the system. 138. The system of claim 137, wherein managing content is:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Including the system. 138. The system of claim 138, wherein the one or more processors are:
A system further adapted to apply an exchange rate to an asset located in a second value token or electronic wallet. 140. The system of claim 138, wherein exchanging at least a portion of the value token is:
Communicating to the second value token distributor of the second value token; and
Requesting a second value token distributor to provide a second value token;
Including the system. 138. The system of claim 137, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and the one or more processors are:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further let the system. 138. The system of claim 137, wherein the one or more processors are:
Supplying value tokens to electronic wallets,
Further let the system.   143. The system of claim 142, wherein the value token is provided in a total amount that is different from the purchase price.   143. The system of claim 142, wherein providing an electronic wallet includes encoding a value token with a coupon code.   143. The system of claim 142, wherein providing an electronic wallet includes adding a value token to the electronic wallet. 138. The system of claim 137, wherein the electronic wallet includes a saving designated sub-wallet and the one or more processors are:
Placing at least part of the value token in the designated sub-wallet for saving,
Further let the system. One or more processors;
A system including memory connected to at least one of the one or more processors, the memory including executable instructions;
When one or more processors are executed when the instructions are executed:
Receiving a request to process a payment transaction against an electronic wallet;
Identifying the authentication information of the request;
Identifying a value token in the electronic wallet; and
Applying at least part of the value token to at least part of the request;
Make the system.   148. The system of claim 147, wherein the one or more processors are further adapted to accept an authentication token and access an electronic wallet.   149. The system of claim 148, wherein the authentication information is based on an authentication token, and the authentication token includes a proxy card, mobile device, password, biometric identifier, or combinations thereof.   149. The system of claim 149, wherein the electronic wallet includes a primary wallet and a sub-wallet.   156. The system of claim 150, wherein the one or more processors are further adapted to process at least a portion of the request that passed through the primary wallet.   153. The system of claim 151, wherein the one or more processors are further adapted to process at least a portion of the request that passed through the sub-wallet. 153. The system of claim 152, wherein the primary wallet includes a value token and the one or more processors are:
Determining that the request is related to the primary wallet; and
Determining that the value token can fulfill the request,
Further let the system.   154. The system of claim 153, wherein applying at least a portion of the value token includes applying at least a portion of the primary wallet value token to the request. 155. The system of claim 154, wherein the sub-wallet includes a value token and the one or more processors are:
Determining that the request is related to the sub-wallet; and
Determining that the value token can fulfill the request,
The system is made even further.   155. The system of claim 155, wherein applying at least a portion of the value token includes applying at least a portion of the sub-wallet value token to the request.   157. The system of claim 156, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the sub-wallet includes the two or more value tokens. A system that includes at least one other token. 158. The system of claim 157, wherein the one or more processors are:
Determining that the request is related to the primary wallet; and
Determining that another part of the request is related to the sub-wallet,
Further let the system. 159. The system of claim 158, wherein the one or more processors are:
Applying at least part of the primary wallet value token to the request; and
Applying at least a portion of the sub-wallet value token to the request,
Further let the system.   160. The system of claim 159, wherein the primary wallet value token is applied to the request under primary wallet rules.   160. The system of claim 159, wherein the primary wallet value token is applied to the request under the rules of the request.   160. The system of claim 159, wherein the sub-wallet value token is applied to the request under the sub-wallet rules.   160. The system of claim 159, wherein the sub-wallet value token is applied to the request under the rules of the request. 159. The system of claim 159, wherein the aggregator system receives the request and the one or more processors are:
Determining that at least a portion of the request may be processed in the sub-wallet; and
Sending part of the request from the aggregator system to a third party;
Further let the system.   164. The system of claim 164, wherein the request is a POS terminal identification; authentication information; purchase amount; value token issuer identification; vendor identification; location identification; request time; A system that includes information identifying a wallet, sub-wallet or combination thereof; transaction data; authentication data; or a combination thereof.   165. The system of claim 165, wherein the value token includes an electronic representation of value, the electronic representation of value being a credit card, debit card, gift card, prepaid telephone card, patron card, membership card, ticket Or ticket card, entertainment card, sports card, prepaid card, coupon, admission pass, prepaid or pre-purchased goods or services, cash, currency, credit card account, debit card account, retailer account, deposit account, retailer The credits issued by the retailer, the location issued by the retailer, the promotional value issued by the retailer, the credit authorized by the retailer, the location authorized by the retailer, the promotional value authorized by the retailer, or a combination thereof. Including the system.   173. The system of claim 166, wherein the value token further includes an electronic representation of at least two different types of value.   168. The system of claim 167, wherein the value token includes a closed loop account number and applying at least a portion of the value token credits the closed loop account associated with the closed loop account number. , Or systems that include debiting.   169. The system of claim 168, wherein the value token includes an open loop account number and applying at least a portion of the value token credits the open loop account associated with the open loop account number. , Or systems that include debiting.   169. The system of claim 169, wherein applying at least a portion of the value token includes using the value token according to a configurable set of rules that specify the priority of the value token.   171. The system of claim 170, wherein the priority is a transaction information variable including the physical location of the retailer that generates the electronic wallet request; transaction volume; retailer type; time; day of week; week of month; Month of the retailer that generates the electronic wallet request; the retailer lane that generates the electronic wallet request; identification of the checker; the parent company of the retailer that generates the electronic wallet request; the value token value; the type of the electronic wallet request; or these A system that is based on a combination of.   171. The system of claim 171, wherein applying at least a portion of a value token uses the value token according to a configurable set of rules that specify a proportion of electronic wallet requests to which the value token can be applied. Including the system. 173. The system of claim 172, wherein the one or more processors are:
Examine the rules associated with the electronic wallet,
Further let the system. 178. The system of claim 173, wherein examining the rules is:
A system that involves checking the priority of value tokens. 175. The system of claim 174, wherein examining a rule includes examining a request ratio;
Applying at least a portion of the value token includes applying at least a portion of the value token to the request according to a ratio. 175. The system of claim 175, wherein the electronic wallet includes a closed loop associated value token and an open loop associated value token, wherein the one or more processors are:
Selecting a closed loop related value token; and
Then selecting an open loop related value token,
Further let the system. 178. The system of claim 176, wherein the electronic wallet includes an open loop associated value token and the one or more processors are:
Withholding open-loop related value tokens from being applied to requests,
Further let the system. 178. The system of claim 177, wherein the one or more processors are:
Exchanging at least part of the value token of the electronic wallet for at least part of a second value token not located in the electronic wallet;
Let the system further. 178. The system of claim 178, wherein the one or more processors are:
Applying exchange rates to assets located in a second value token or electronic wallet,
Further let the system. 179. The system of claim 179, wherein exchanging at least a portion of the value token is:
Contact a second Value Token Distributor; and
Requesting a second value token distributor to provide a second value token;
Including the system. 181. The system of claim 180, wherein the electronic wallet includes a first sub-wallet and a second sub-wallet, the first sub-wallet includes a value token, and the one or more processors are:
Placing the value token of the first sub-wallet in the second sub-wallet;
Further let the system. 184. The system of claim 181, wherein the one or more processors are:
Supplying value tokens to electronic wallets,
Further let the system.   184. The system of claim 182, wherein value tokens are provided in a total amount that is different from a purchase price.   184. The system of claim 183, wherein providing an electronic wallet includes encoding a value token with a coupon code.   185. The system of claim 184, wherein providing an electronic wallet includes adding a value token to the electronic wallet. 186. The system of claim 185, wherein the electronic wallet includes a saving designated sub-wallet, wherein the one or more processors are:
Placing at least part of the value token in the designated sub-wallet for saving,
Further let the system.