JP7003383B2 - Computer implementation methods and systems for processing transactions - Google Patents

Description

background

The present invention relates to devices, systems and methods for obtaining tax refund associated with purchase.

Tax refund systems are provided to travelers in many countries. Offering duty-free shopping is attractive to visitors to the country and can help facilitate tourism. However, traditionally, duty-free shopping management has been paper-based, with shops issuing receipts or invoices at the time of sale and then customs confirming the removal of goods at the border. Although the rules vary from country to country, the traditional procedure for providing tax-free shopping is for domestic shops to identify that the user (customer) is a visiting traveler who is tax refunded. And confirm, then issue a receipt containing details about the user and purchased items, and then customs will match the items taken out of the country and the items and travelers identified on the receipt by the user. Tax refund is to be confirmed at the time of departure. Refunds may be made afterwards. Tax refunders will work with shops and customs to facilitate this procedure and manage related paperwork.

Such processing has traditionally required a great deal of labor and cost. Further, as mentioned above, one aspect of processing is determining whether the user is tax refundable traveler. Various approaches have been proposed that attempt to make such a determination automatically. For example, International Publication No. 2004/081838 proposes that a user carry an information carrier, such as a card that identifies the user, which can be read by a terminal. International Publication No. 2005/057453 proposes that the user be equipped with a smart card that identifies the user and the country of residence of the user. However, the user needs to carry a card in addition to the card used for payment. International Publication No. 03/079249 proposes to determine eligibility for VAT refunds based on the issuer code read from the payment card. However, maintaining accurate issuer records on the terminal system and / or hosts connected to the terminal system is a critical technique because it is necessary to update the records and keep them available from the terminal. Brings a challenge.

This application aims to provide automatic tax refund tax refund based on the payment card used by the user without having to rely on the memory and maintenance of the issuer code. The present invention seeks to provide a technical solution to such a problem.

Overview

Aspects of the invention are defined in the claims.

An exemplary embodiment comprises a computer-implemented method of processing a transaction, wherein the method is:
Steps to determine account currency information that identifies the currency associated with a user's account and to process transactions for the user.
Steps to compare the account currency information with the base currency information that identifies the base currency,
If the account currency information is different from the base currency information, it includes a step to start providing tax refund to the user regarding the transaction.

An exemplary embodiment is a step of determining whether the account currency code propagated by the payment card read by the card reader of the trading terminal system is different from the currency code of the trading terminal system, and the payment read by the card reader. A method performed by a computer, including the step of automatically providing a tax refund to the user if the account currency code propagated by the card is determined to be different from the currency code for the trading terminal system. I will provide a.

An exemplary embodiment provides a program product that includes program instructions for performing such computer implementation methods.

An exemplary embodiment provides a system comprising at least one processor, which determines account currency information that identifies the currency associated with a user's account in order to process transactions for the user. , Compare the account currency information with the base currency information that identifies the base currency, and if the account currency information that identifies the base currency is different from the base currency specified by the base currency information, provide a tax refund to the user regarding the transaction. Configured to start.

While various aspects of the invention are presented in the appended claims, other embodiments of the invention are described not only in the combinations expressly presented in the appended claims. Includes any combination of features from the dependent claims that have the features of the form and / or the attached independent claim.

An embodiment will be described as just one example with reference to the accompanying drawings.

FIG. 1 is a schematic block diagram showing an example of a simple refund approach.

FIG. 2 is a schematic diagram of an exemplary embodiment of a refund system according to an embodiment of the present invention.

FIG. 3 is a flow chart showing an exemplary operation. FIG. 4 is a flow chart showing an exemplary operation. FIG. 5 is a flow chart showing an exemplary operation.

FIG. 6 is a schematic system outline.

FIG. 7 is a flow chart showing an exemplary operation. FIG. 8 is a flow chart showing an exemplary operation. FIG. 9 is a flow chart showing an exemplary operation.

Detailed explanation

Figure 1 shows a simple approach to getting a tax refund associated with a purchase. The approach shown in FIG. 1 involves the user (traveler) receiving a traditional store receipt from a store at the time of purchase. The store receipt is then submitted to customs along with the goods. Customs then determines eligibility and inspects the store's receipts. Tax authorities then receive tax refunds, tax refund processing and pay users.

From both a commercial and technical point of view, such a system has some drawbacks. Shops within such a system have no relationship with travelers. There is no further in-store activity to stimulate tourist sales unless travelers are aware of their tax refund eligibility by then. If not refunded, the traveler's perception after purchase is not positive, and with this simple system, there are a large number of qualified but unrefunded customers. In addition, travelers may not request a refund if they forget to receive the necessary paperwork at the time of departure.

In addition, tax authorities are required to issue refund forms, collect completed forms and receipts, process requests, and make payments. The management of keeping track of store receipts with travelers and each store is extensive and this needs to be able to coordinate tax returns from the store. In addition, dispute resolution and inquiries from travelers and shops must be handled by the tax authorities.

The exemplary embodiment maintains the simplicity of operation, but addresses the shortcomings of both the consistency and usefulness of the previous approach. In an exemplary embodiment, at least one system uses the user's payment card to integrate the purchase and refund process. At least one system may be operated by tax refunders (TRO).

The TRO can not only manage the refund business, but also provide education for travelers and shops throughout the process. TRO can ensure system integrity through the use of information technology systems.

FIG. 2 shows exemplary methods, devices and systems for managing refund processing. In the exemplary process, shopping and receipt receipt (issue 30) are separated from further processes (acquiring 32, authorization 34 and payment 36).

Like credit and debit cards, there can be multiple providers for issuing services and multiple acquirers for transactions and processing. For example, there can be multiple TROs. The issue of a transaction can follow standard message types for authorization and sending to payment systems. A wide range of point-of-sale (POS) devices and in-store support for travelers' shopping may be provided.

In an exemplary embodiment, the store system uses the POS device and / or software provided by the TRO to issue the transaction 30, the TRO host system performs the acquiring 32, and the customs approval system is the authorization. Running 34, the TRO host system uses the kiosk (inspection station) at the point of departure from the territory to carry out the refund payment 36. In an exemplary embodiment, the eligibility determination for a refund is based on reading information from the payment card. Illustrative embodiments can provide simplicity using the approach described with reference to FIG. 1 as understood by the users of the system, while providing improved consistency.

In the conventional approach, tax refunds are expected to be eligible for tax refund by examining the traveler's passport by the clerk and the cashier at the counter. In reality, many travelers are reluctant to carry their passport while shopping, so in reality, the store is required on the refund receipt after the traveler leaves the store. Allows you to fill in such details.

In contrast, in an exemplary embodiment, potential eligibility can be automatically determined from the payment card used by the traveler. By providing automatic eligibility determination, dependence on poorly trained people can be reduced.

In an exemplary embodiment, the terminal system reads information from a payment card, and the payment card is named after the EMV card (which developed the technology, Europay, MasterCard, and Visa), which is a card with an electronic chip. ), And if the payment card is an EMV card, the card propagates ACC to determine if the applicable currency code (ACC: Application Currency Code) is the same as the currency used by the terminal system. It is possible to operate to determine whether or not to do so. In the latter case, the payment card may be determined to be for a currency "foreign" different from that used by the terminal system, and tax refund may be provided to the user accordingly.

In an exemplary embodiment, for domestic terminal systems to which only EMV cards are issued, if the payment card is determined not to be an EMV card, the card was issued in a different jurisdiction than that of the terminal system, and It can be automatically determined that tax refund can be provided to the user. For example, for a card with a magnetic stripe, both tracks 1 and 2 of the magnetic stripe have an index (first digit of the service code) to indicate whether the card is an EMV chip card. Therefore, if a magnetic stripe card is used and the first digit of the service code is not 2 or 6, the card may be determined to be a magnetic stripe only card, not an EMV card.

Tax refund payment may then be automatically provided as a result of determining that the ACC code is for a "different" currency and / or the payment card is not an EMV card (if applicable). In one example, the refund transaction record automatically initiates an association between a payment card or another token and a legal entity (eg, a sales receipt) for a purchase transaction for at least one purchase. can do. In another example, the store may receive a message inviting users to go to the tax refund issuing desk to process refunds. In various examples, payment cards or other tokens may subsequently be used to obtain transaction records (s) upon departure from the territory to inspect refunds at the time of purchase.

Hereinafter, the system and method of exemplary embodiments of tax refund system for territory will be described with reference to FIG. In the system, multiple TROs partner with shops to provide tax refunds to travelers through users of self-service kiosk 22 at the point of departure from the territory.

In step 102, the user can optionally associate a payment card or another token with the user, and this information may be stored in a central record. This can be done before or at the time of entry into the territory or at the point of sale. The user can select the payment card or token to use. The user may specify a particular token to be used, for example, through a website, at a point-of-sale terminal, or in response to a question asked by a store. For example, a user can register his or her details and associate his or her details with a payment card or token by registering on a website provided by TRO. The TRO can then provide the user with information about refund opportunities and processing. Alternatively, or in addition, the user may be provided with a token (eg, a visitor card). User details may then be recorded at the local input station at the point of issue, for example at the point of entry or sale, or the issued token will be linked to the user details pre-entered on the TRO website. Can be done. Suitable input stations are, for example, a computer processor and memory and at least one input interface in at least one form of a keypad, keyboard, touch-sensitive screen, card reader, machine-readable identifier reader, document scanner, voice-activated input. And at least one output interface in the form of at least one of a display, a printer, a cardwriter, and a speaker. The input station may be equipped with fingerprint reading technology and / or camera technology for confirming biometric information held in a machine-readable user identifier (eg, an ID document such as a passport).

Along with the details of the user (traveler), the token identifier (eg, the token-specific number) and / or the details of the payment card are provided to the acquiring host server system 20 in which the identifier and the details of the user are recorded (stored). 103 and can be retained. The host server system 20 may include at least one server computer, each server computer comprising at least one processor and memory located in a single location or distributed system. The efficiency of the system is improved when the identifier for the token and the user details are transferred to the host server system and recorded in real time.

In the next step 104, the user 12 can make a purchase, for example, at a store. FIG. 3 shows in more detail the example of step 104.

With reference to FIG. 3, when a user provides a payment card for payment, a payment card reader (eg, a magnetic stripe reader, a contact chip reader, or a near field communication (NFC) card reader). Can be actuated to read information from a payment card.

For example, in step 302, if the terminal system uses a magnetic stripe reader to read the card, the terminal system may have 2 or 6 in the first digit in step 304 (eg, track 1 or 2 of the magnetic stripe). The service code (above) can be actuated to determine if the magnetic stripe on the card contains. If in step 304 it is determined that the magnetic stripe on the card contains a service code in which the first digit is 2 or 6 (eg, on track 1 or 2 of the magnetic stripe), the terminal system tells the terminal system that the card is EMV. Determining that it is a card, the terminal system prompts the user and / or the store to display a message on the display of the terminal system in order to prompt the user to supply the payment card to the contact chip reader for the EMV card. Can be operational.

In other words, when reading a card through a magnetic stripe reader, the contact chip capable device looks at the service code on the magnetic stripe to determine if the card is chip usable (2xx or 6xx). If the service code indicates that the card is chip-enabled, the device prompts the cardholder or store to insert the card into the contact chip reader, unless it operates under fallback conditions.

If the terminal is in a country where only EMV cards are issued, it is determined in step 304 that the first digit of the service code (eg, on track 1 or 2 of the magnetic stripe) is either 2 or other than 6. Then, it can be automatically determined that the payment card is a foreign card and tax refund can be provided to the user in step 306 as described later.

Step 314 if the EMV card chip is read by the contact chip reader of the trading terminal system in step 308 or 310, or through the Near Field Communication (NFC) interface of the trading terminal system in step 312. Determines if the applicable currency code (ACC) is provided on the EMV chip.

In step 314, if the ACC is read from the card, the trading terminal system associates the currency represented by the ACC with the trading terminal system, which may be represented as a terminal currency code (TCC). It can act to determine if it is the same as the currency (also referred to below as the local currency). In this step, the ACC read from the card is stored in the storage of the trading terminal system to determine if the currency represented by the ACC is the same as the currency associated with the trading terminal system. Can be compared to the existing TCC.

If the transaction terminal system determines that the ACC is not the same as the TCC in step 316, the payment card is a foreign card and automatic if tax refund can be started for the user in step 306 described later. Tax refund can be determined.

If the transaction terminal system determines that ACC is identical to TCC in step 316, the payment card is local card and automatic if the transaction is executed without tax refund in step 318. Tax refund can be determined.

If it is determined in step 314 that the ACC cannot be read from the EMV chip, then in step 320 the trading terminal system can initiate an alternative process. For example, the user may be asked by the store whether the user is a traveler and whether he / she wants to receive tax refund.

The trading terminal system may be programmed to perform the steps shown in FIG. 3 by programming code held in the storage of the trading terminal system and capable of operating to control at least one processor of the trading terminal system.

FIG. 4 shows an example of processing for step 306 for tax refund provision to be started and executed.

In step 400, the process of generating a transaction record starts.

A payment card number for a payment card (eg, credit card number CC #), or step 404, which may be used by the trading terminal system in step 402 to access user details over the network from the traveler record. One of the identifiers of another token that may be used in is held in the storage of the TRO host system 20 that produces the transaction record. The transaction terminal system can use the acquired user details to generate a transaction record.

At step 406, the store or user can optionally be prompted to enter the passport details. This can be achieved by manually entering the passport number or other traveler identifier, or by reading the user's details from the passport or other travel document using a passport reader. The trading terminal system can be operational to add this information to the transaction record and / or to confirm the information obtained from the traveler record held in the storage device in the TRO host system 20. ..

In step 408, the trading terminal system is to add to the transaction record purchase details regarding purchase information scanned or otherwise entered in the trading terminal system, as well as store details about the trading terminal system. Can be operational.

In step 410, the trading terminal system can optionally add a category of merchandise identifiers to the trading terminal. The category of goods can identify tax refund category, for example.

In step 412, the transaction terminal system can be operated to issue tax refund transactions. This may be in the form of sending tax refund transaction records to the TRO host in order to associate the transaction records with the user records held by the TRO host system. In addition, or as an alternative, tax refund accounts or other confirmations can be printed (eg, printed) to the user.

FIG. 5 shows another example of processing for step 306 for tax refund provision to be started and executed.

Processing starts in step 500, and in step 502, a message is displayed in the store to advise the user to proceed to the tax refund issuing desk for tax refund processing. Tax refund processing performed at the tax refund issuance desk can result in tax refund records, as described, for example, with reference to FIG.

In another example, tax refund offer may be in the form of suggesting to the user whether to proceed with tax refund processing, for example. This may be in the form of presenting the choices to the user, for example, allowing the user to accept or refuse to proceed with the refund request, eg, by touch screen panel or other user input.

In the alternative process described in 320, various options are available. For example, a message may be displayed in the store to ask the user whether tax refund is required, and then enter the code or display button or to confirm whether to accept the refund request. Press the physical button. Following this manual selection process, a refund record may be generated using, for example, the process described with reference to FIG. Alternatively, the user may be advised to go to the in-store refund processing desk to prepare a refund account or the like.

The store system 14 may include at least one computer, each computer including at least one processor and memory located in a single location or distributed system.

Since there are a plurality of TROs on the market, there may be a plurality of acquiring system hosts 20. The relationship between a store and a TRO is the relationship between a store and an acquirer (using the credit / debit card example). Each TRO is responsible for integrated software that enrolls its own store and generates point-of-sale (POS) devices and tax refund transactions.

Returning to FIG. 2, a transaction message containing information about the transaction record may therefore be transmitted to the TRO acquiring host system 20 and further processing may be performed by the TRO acquiring host system 20. The format of the transaction message between the POS and the acquiring host can take any suitable form in which it may be dedicated. In one example, the transaction message sent between the store system 14 and the acquiring host 20 is a token identifier (eg, token number), a receipt identifier (eg, receipt number), a purchased product reference number, and a store identifier. , TRO identifier, time and date stamps, and security hash (used to prevent tampering). The transaction message may further include information about the tour guide, promotional code, or any other data that the TRO wishes to collect.

Individual acquiring host systems 20 may be provided for each TRO so that confidential commercial information is kept separately for each TRO and only each TRO sees the transactions that occur at the stores it subscribes to. be able to. All tax refund transactions that occur at participating stores may be stored in the database of the acquiring host system 20. The transaction record stored in the memory of the acquiring host system is, for example, a token identifier (for example, a token number), a receipt identifier (for example, a receipt number), a reference number of at least one product or a purchased product, a store identifier, and the like. It can also include time and date stamps. The acquiring host system 20 can also assign a unique legal entity (eg, a unique transaction number) to a transaction so that a unique number can be used within the system to track the transaction in progress.

The message interface 24 (also referred to herein as a message switch) provides a neutral place for all messages to be received and transmitted and for the messages to be properly formatted and sent. For example, a transaction message may be a transaction identifier (eg, transaction number), a token identifier (eg, payment card number or other token number), a receipt identifier (eg, receipt number), a purchased product reference number, a store identifier, etc. It can include at least one of a TRO identifier, a time and date stamp, and a security hash (used to prevent tampering). The message switch 24 may be a separate system from the customs approval system 26 or may be combined with the customs approval system 26 according to a particular implementation.

Transactions received by each of the acquiring host systems 20 may be transferred to the customs approval system 26 through the message switch 24. A customs approval system may include at least one computer, each computer comprising at least one processor and memory.

The transaction message received by the TRO on the acquiring host system 20 may be formatted according to a standard (eg ISO 8583 or a variant thereof) and may be transmitted to the message switch 24. As shown in FIG. 2, GBISO is an ISO 8583 message format with a private field containing TFS or DCC related information. The message switch can be actuated to pass a transaction message to the customs approval system 26.

Customs Approval System 26 provides an authorization system for authorizing refunds and may be implemented by customs authorities or on behalf of a third party. Customs approval system 26 can automatically approve or reject tax refund transactions based on the rules set in the system by customs. The customs approval system 26 can also be manually accessed by customs officials.

A self-service inspection station (kiosk) 22 at the departure point of the territory may be connected to the message switch 24. The inspection station 22 may be configured to encourage the user to submit an identifier that will be read (eg, a payment card, or other token). The inspection station 22 may include, for example, a keypad, keyboard, touch-sensitive screen, card reader, scanner, at least one input interface in the form of at least one of voice-activated inputs, and, for example, a display, printer, cardwriter, speaker. At least one output interface in at least one form of the above can be provided. The inspection station 22 may optionally be equipped with fingerprint reading technology and / or camera technology in order to confirm biometric information held in a machine-readable user identifier (eg, an ID document such as a passport).

Inspection station 22 can act to encourage users to submit payment cards or tokens associated with payment for tax refund. When the user submits the token, the inspection station 22 operates to pass at least one inspection request message to the customs approval system 26 through the message switch 24 and request a list of all tax refund transactions from all TROs. It may be possible.

Customs Approval System 26 can be operational to respond to inspection request messages to retrieve all transactions associated with a token from its own database and / or from the acquiring host system 20. The rules set out to determine approval or rejection can be applied.

In one example, the customs approval system 26 automatically approves the transaction based on the rules set (“green channel”) or again based on the rules set within the customs approval system 26. It can be set to either automatically identify that the customs officer needs to inspect the item for approval (“red channel”).

When the customs approval system 26 makes a decision (approval / rejection) on a transaction, an approval message (inspection request response message) is automatically sent to the appropriate acquiring host system 20 through the message switch 24. Acquiring host system 20 updates existing tax refund transaction records for transactions with authorization messages (approval, submission for approval, modification).

The decision to pay the refund depends on the TRO, as the TRO is responsible for the transaction to the tax authorities. For that reason, the customs-approved host does not function as a payment-approved host, and if anything, the TRO acquiring host system 20 is a system for recording.

Each acquiring host system 20 formats a refund message indicating which transaction has been approved for automatic payment on the "green channel" and sends it to the inspection station. The TRO that issued the token is given the first position on the inspection station and the transaction of that TRO is displayed.

If all acquired transactions have an approved code, the user will be given a "green channel" service and will be asked how the refund should be paid. If any of the transactions are not automatically approved, the user will be given a "red channel" service and will be required to appear at a customs officer for further processing.

If the refund choice is via a payment card (eg, a credit card), the refund may be made automatically for the registered payment card. If the payment card is not registered, the inspection station can prompt the user to swipe the card for which the refund is to be made.

When the user requests cash equivalent to a refund and the user uses a token issued by TRO that can store the cash amount, the refund amount can be applied to the token.

If the user requests cash equivalent to a refund and the user has not used the token issued by the TRO, a value holding card may be issued from the inspection station 22.

The process described above can be repeated for each remaining TRO having a transaction associated with the token.

When red channel processing is instructed, the inspection station prompts the user to submit the token and identifier to the customs officer, who can use the token to initiate the processing. Customs officers may be provided with an approval station that is linked to or forms part of the customs approval system 26. On the other hand, in another example, the approval station may be separated from the customs approval system and / or far away and may communicate, for example, via a message switch.

In response to entering a token identifier (eg, by swiping the card if the token is a magnetic stripe card), the approval station uses the token identifier to send an information acquisition message to the customs approval system 26. Can be configured as Customs Approval System 26 can then obtain a list of approved and rejected transactions associated with the token.

Customs officers may then approve or reject each transaction or change the quantity. Customs officers can use the input device (s) of the approval station 28 to enter the results of their decisions. The result of the customs officer's decision is communicated by the customs approval system 26 to the appropriate acquiring host system 20 through the message switch 24. Acquiring host system 20 includes tax refund transactions with approval codes (approval, rejection, price change).

The user then returns to inspection station 22 and resubmits his token and is prompted for a refund method as described above.

Customs approval system 26 may be configured to operate in one or both of the two modes of operation. In both modes of operation, information for the transaction is stored in the respective acquiring host system 20. In the first mode of operation, the customs approval system 26 can operate to obtain transaction information from the respective acquiring host system 20 in order to inspect the refund. The authorization result is communicated to the appropriate acquiring host system 20 through the message switch 24. Here, the acquiring host system 20 includes tax refund transactions having an approval code (approval, rejection, price change). In the second mode of operation, Customs Approval System 26 (CAS) keeps a copy of each transaction in the database of Customs Approval System 26, associating it with the identifier of the acquiring host system as well as the associated token identifier. .. In this case, the customs approval system 26 also passes the transaction and approval code to the relevant acquiring host system 20. The difference between the two modes is that in the second mode, the CAS keeps a copy of all the data from all the acquiring host systems 20.

Secure transmissions, messages and protocols may be used to communicate information using existing software, equipment and processing for dealing with secure financial transactions, known for electronic payments. Therefore, a standards-based message format can be used for the transmission of refund transactions. Multiple TRO providers may be allowed to use the standard message format, ensuring that customs and domestic tax revenue services only need to handle a single system for approval.

User details linked to the token identifier by recording the transaction on the acquiring host system 20 and / or the customs approval system 26 using the transaction identifier, purchase price and payment card or other token identifier. By further maintaining a record of the It may be possible to act to obtain a refund transaction from TRO's acquiring host system 20 based on the presentation of the token for transmission.

In the illustrated example, communication between the acquiring host system (s) 20 and the customs approval system 26 may be achieved by the message switch 24. The message switch 24 can provide a dedicated network between the customs approval system 26 and the acquiring host system 20 for at least one TRO. If anything, communication may take place over a secure switching channel operating on a public line, such as the Internet, rather than a dedicated network.

In an exemplary embodiment, an automated inspection station (kiosk) 22 can allow an automated preliminary inspection of refund transactions to generate a "red channel / green channel" response without human intervention. The automatic preliminary inspection process may be implemented at the point of departure from the territory, eg, using an inspection station 22 (eg, a kiosk).

An approval system (eg, Customs Approval System 26) that communicates with the inspection station 22 or inspection station 22 may include, for example, for high-value purchases and / or for certain types of purchases of the "red channel". Rules may be provided that define the requirements. Behavior on the "Red Channel" may be that the user must submit tokens, shopping receipts, passports, and purchased goods to customs officers for approval.

The inspection station 22 or the customs approval system 26 that communicates with the inspection station automatically approves the "green channel" for low-priced items and / or for purchases by travelers from specific countries. A rule may be provided that defines the situation in which to do so.

FIG. 6 is a schematic system diagram showing an outline of an entire exemplary system configuration of an exemplary embodiment.

FIG. 6 shows various systems connected via a network 15, for example the Internet.

FIG. 6 shows a plurality of network-connectable computing devices 13 (eg, desktops, laptops, personal digital assistants, mobile phones, etc.) connected to the network 15. The user computer 13 can be used by a user (eg, a traveler) to access a website and register a token. A website may be provided by a tourist or travel organization or authority, which is one of several TROs, but this is just one example. As will be described later, such network connectable computing device 13 may also be used to initiate or process a transaction.

FIG. 6 shows a plurality of input stations 17 connected to the network 15. The input station 17 may be provided, for example, at an entry point (eg, an airport immigration area), a tourist information center, a retailer, or the like. The input station 17 includes, for example, a keypad, a keyboard, a touch-sensitive screen, a passport reader or other ID document reader, a card reader, a scanner, at least one input interface in the form of at least one of voice-activated inputs, and For example, it may include at least one output interface in the form of at least one of a display, a printer, a card writer and / or a card dispenser, a speaker. In an exemplary embodiment, the input station 17 may be capable of operating to issue a token, eg, a card with a unique identifier.

FIG. 6 shows a plurality of store systems 14 connected to the network 15. Each store system 14 may include at least one computer system, each computer system comprising at least one processor and memory and at least one point-of-sale device. At the time of sale, the device may be, for example, a keypad, a keyboard, a touch-sensitive screen, a card reader, a scanner, at least one input interface in the form of at least one of voice-activated inputs, and, for example, a display, a printer, a cardwriter, a speaker. It can include at least one output interface of at least one form.

FIG. 6 shows a plurality of TRO acquiring host systems 20 connected to the network 15. Each acquiring host system 20 may include at least one computer system, each computer system including at least one processor and memory.

FIG. 6 shows a message switch 24 (corresponding to the message interface 24 in FIG. 2) connected to the network 15. In this example, the message switch 24 serves as a communication interface between the acquiring host system 20, the inspection station 22 and the customs approval system 26.

FIG. 6 shows a plurality of inspection stations 22 connected to the network 15. The inspection station 22 can be located at the departure point (eg, the departure area of the airport). The inspection station 22 includes, for example, at least one input interface in the form of at least one of a keypad, keyboard, touch-sensitive screen, passport reader or other ID document reader, card reader, scanner, voice-activated input, and, for example. It may include at least one output interface in the form of at least one of a display, a printer, a card writer and / or a card dispenser, a speaker. The examination station 22 may include at least one device for inputting user biometric information, such as a fingerprint scanner or a camera.

Familiarity with automated teller machines and the like means that the self-service kiosk-type inspection station 22 at the departure point is pleasing to the user.

As mentioned above, in one example, the inspection station 22 can be equipped with a reader for automatically reading a machine-readable identifier (eg, a machine-readable identification document such as a machine-readable passport), thus the user for a refund. It can enable automatic confirmation of identity and eligibility. The inspection station 22 can prompt the user to submit a token identifier. As also shown above, the token may be in the form of a magnetic stripe card, chip card, barcode, number to be entered with a keypad, or the like.

The inspection station 22 then defines at least one purchase associated with the identifier to determine whether to inspect the refund associated with at least one purchase, the Customs Approval System 26 or the TRO Acquiring Host System. Based on the information held in 20, the eligibility for a refund can be determined. Optionally, the test station 22 may receive the biometric information and cross-check the information held in the machine-readable identifier for confirming the user's identity against the biometric information.

In one example, inspection station 22 responds to input of a token identifier by sending a request to the server for information defining at least one purchase associated with the identifier, defining at least one purchase associated with the identifier. The information received from the server is compared to the predefined rules for deciding whether to check the refund and whether the refund is automatically checked (ie, whether the check is done automatically). ) Can be displayed on the output interface to the user. If the refund is inspected, the inspection station 22 may send confirmation to the server that the refund has been inspected.

In another example, the inspection station 22 responds to the input of the token identifier and sends a request to the server to determine whether to inspect the refund to see if the refund for at least one purchase has been inspected. In response to the response from the server, the user can be prompted to indicate whether the refund has been checked (ie, whether the check is automatic).

Alternatively, the user may be prompted to appear in a manual inspection check by a customs officer.

The inspection station 22 can also act to encourage the user to identify how the refund should be made (eg, by credit card or in cash). If the user chooses a credit card, the transaction may be automatically refunded. If the user chooses cash, the user may be issued a fully valid debit card with a refund amount, or the airside may be prompted to go to the refund counter to receive cash. ..

If the resulting response is a "red channel", the user may be prompted to indicate how the refund should be made in the case of approval, and then the user goes to the customs desk for further checks. I can go.

At the customs desk, customs officers can use the approval station to retrieve information from the server system using the token identifier.

The approval station is, for example, a keypad, a keyboard, a touch-sensitive screen, a card reader, a scanner, at least one input interface in the form of at least one of voice-activated inputs, and, for example, a display, a printer, a cardwriter, a speaker. It may include at least one output interface in at least one form.

Using the token identifier, customs officers can call transaction information from the server system, inspect documents and goods, and decide whether to approve or reject the refund.

If the refund is approved and the user requests a credit card refund, a credit card transfer may be performed automatically in response to the customs officer approving the refund using the approval station. Alternatively, the debit card may be generated by the approval station or by the inspection station 22.

FIG. 7 shows a token (eg, payment card) or machine-readable ID (eg, payment card) or machine-readable ID (eg, payment card) to a token (payment card) reader or ID reader at the inspection station (kiosk) at the point of departure from the territory where the user departs from the territory. , Passport), an example of the steps performed in response to the presentation.

In this example, at 712, as described above with reference to FIG. 3, the kiosk behaves to identify the user based on the stored information, depending on the reading of the token or the reading of the ID. It can be possible.

At 714, if the user is not recognized as a qualified user, the user will be provided with an appropriate message at the kiosk and the process ends at 716. For example, a user may be called to a customs desk for manual processing.

Alternatively, if eligibility is detected based on a machine-readable ID, at 718 the user may be encouraged to present a token associated with the user in order to obtain a transaction record for the user. be.

At 720, the kiosk can read the token (eg, if the token is a card, using a card reader) and send an inspection request, including the token identifier, to the customs approval system 26.

At 722, the approval system checks for transactions (available in the approval system and / or optionally from the acquiring host system) using the token identifier to obtain the relevant transaction. Can be done.

Further processing at 730 is described with reference to FIG. 9 if approval is not given automatically at 724.

Alternatively, if approval is automatically granted at 724, at 726 the approval system can send an approval message to each acquiring host system for each approved transaction, further processing at 728. Will be described with reference to FIG.

Moving on to FIG. 8, at 810 for each acquiring host system that has received an approval message from the approval system, the acquiring host system can send an appropriate approval message to the kiosk.

At 812, the kiosk can prompt the user to choose a payment method.

At 814, the kiosk can make a payment, for example, by asking the user to enter a payment to which the refund should be applied, or by withdrawing a card to which the refund amount is attached.

Moving on to FIG. 9, if approval is not automatically granted at 724, at 910 the approval system may send a disapproval message to each acquiring host system for each transaction that is not approved.

Upon receiving such a disapproval message at 912, the acquiring host system sends the appropriate disapproval message to the kiosk.

At 914, if the kiosk receives a disapproval message, it may urge travelers to appear at customs for a manual inspection check.

At 916, a customs officer can receive a token from the user or can recommend the user to insert the token at the customs approval station.

At 918, the approval station sends an information request, including a token identifier, to the approval system.

At 920, the approval system uses the token identifier to identify the relevant transaction to obtain transaction information (available in the approval system and / or optionally from the acquiring host system). And return the transaction information.

At 922, if the customs officer does not approve the transaction, the user (traveler) is informed by the customs officer that the transaction will not be approved, and the approval system relating to not being given approval for a refund for a given transaction. The processing ends at 924 when a message is returned from the approval station to the acquiring host.

Alternatively, at 922, if approval is given for the refund, at 926, the approval station is appropriate via the approval system to the acquiring host system associated with the approval given for a given transaction. Send a message.

At 928, the user can present the token to the kiosk and a refund message may be sent to the acquiring host for the transaction associated with the token.

As shown in 930, the process of resulting in a refund, as shown in steps 810-814 of FIG. 8, can be further continued.

A refund system is provided to detect a user's eligibility for a refund and uses tokens to identify the purchase and obtain information about the purchase in order to process the refund for that purchase.

By providing a system that integrates with the information available from the server system, combined with the use of payment cards and optionally the use of token identifiers, the purchase is associated with the traveler and the point of departure after the purchase transaction. In, eligibility can be determined.

In the above example, it is assumed that the payment is made using a payment card that uses a trading terminal system.

It should be noted that the term "payment card" as used herein is used in a general way to describe a token or device or carrier used to bring about transactions based on an associated account. be. The "payment card" does not have to take the form of a conventional rectangular plastic credit card or the like and can be an integrated integrated chip, but the "payment card" is meant as applied herein. It should be noted that within scope, it may take any form of credit, debit, or any other form of payment token, device or carrier that can act as a carrier. For example, within the meaning of the term "payment card" as used herein, a payment system may use a mobile phone, personal digital assistant (PDA), or other information carrier as a "payment card". It may be based on it or it may be possible to use it. A mobile phone configured as a payment card can include, for example, a circuit or software having functions equivalent to those of a chip in a chip-type payment card or, for example, other functions in the form of an electronic wallet. Thus, when referring to a payment card herein, the "payment card" is, for example, any suitable software means and / or suitable software means for transmitting information to the payment terminal system (eg, by contact or non-contact method). It is understood in the above example that it can take any suitable form, which is a mechanism, which can act as a payment token, device or carrier configured to process transactions based on the associated account. Should be.

Illustrative embodiments that operate without the use of a trading terminal system are also envisioned.

In one example, the purchase is made by the user to the payment channel using the networkable computing device 13 shown in FIG. 6 (eg, a mobile communication device such as a mobile phone, tablet, wearable mobile computing device). It may be processed by connecting (eg wirelessly). In an exemplary embodiment, determining the currency information in the account information that identifies the currency associated with the user's account is an application of a network connectable computing device, or network connectable computing device 13 (eg, network connectable computing device 13). Includes identifying the account currency code associated with at least one of (shopping applications, electronic wallets, etc.). In an exemplary embodiment, the base currency information identifying the base currency is determined and the base currency is used to process the transaction.
Where networkable computing devices are connected to the network and / or
The terminal is associated with the location of the terminal that can operate to receive account currency information from networkable computing devices.

In an exemplary embodiment, the determination of account currency information and reference currency information is made by a terminal through which a networkable computing device 13 connects to the network, or by payment (eg, in a TRO host system 20). It is done by at least one processor in at least one computer system within the channel or directly or indirectly connected to the payment channel. A networkable computing device application (eg, shopping application, electronic wallet, etc.) shall be determined by a suitable terminal or computer system (s) when the application is used to make a purchase. Is configured to guarantee. For example, the application may include transaction details, payment channels used (eg, identifying payment accounts and ACC of payment accounts), and network-enabled computing devices or network-enabled computing devices to account currency information. May be operational to send a message containing geolocation information about the current location of the terminal capable of receiving the TRO host system over the network.

The network-connectable computing device 13 can be connected to the network 15 by, for example, a mobile phone connection (for example, a cellular connection), a WiFi connection, a Bluetooth® connection, a short-range wireless communication (NFC) connection, or an Ethernet (registration). It can be via a) connection, or at least one of any wireless or wired connections.

In an exemplary embodiment, the at least one processor in at least one computer system within the payment channel (eg, in a TRO host system) or directly or indirectly connected to the payment channel is, for example, at least one. Criteria for identifying the base currency by determining the account currency information that identifies the currency associated with the user's account for processing transactions about the user from the user records stored in the storage device associated with the computing system. Compare currency information with account currency information and start offering tax refunds to users regarding transactions when the account currency information identifies an account currency that is different from the base currency identified by the base currency information. Be programmed. As shown above, at least one processor in at least one computing system is connected to a network by a networkable computing device (eg, using geolocation technology) to process a transaction. Based on the location of the terminal and / or the location of the terminal that can operate to receive account currency information from networkable computing devices (eg, using the information stored about the location of the terminal). It may be possible to operate so as to determine. For example, at least one processor maps or associates such a location with a reference currency in order to determine the reference currency associated with the location (eg, held in the storage of at least one computer system). It may be operable to access the stored information.

Rather than simply identifying the currency, in an exemplary implementation, the account currency information may instead or in addition include or specify the location, country or region associated with that account currency. It is envisioned that the base currency information may instead or in addition include or specify the location, country or region to which the networkable computing device connects to the network. In such cases, as a result of comparing the account currency information with the reference currency information, the location, country or region associated with the account currency is the location, country or region where the networkable computing device connects to the network. If not, at least one processor is programmed to automatically start offering tax refunds to the user for the transaction if at least one processor determines.

In an exemplary embodiment, at least one processor in at least one computer system is programmed to determine and compare currency information to determine whether to initiate the provision of tax refunds to users regarding transactions. However, in another example, a networkable computing device application may be operational to make this determination. For example, an application can determine if the account currency represented by ACC is the same as or different from the base currency represented by the base currency information, and based on it, a networkable computing device. It may be configured to use the ACC and base currency information for the payment account associated with the application to determine whether to initiate the provision of tax refunds to users for transactions initiated using. To determine the base currency information (eg, base currency code) associated with the current location of a networkable computing device, the application uses geolocation to determine the current location of the networkable computing device. Configured to use information that determines and maps or associates a location with such reference currency information (eg, held in the storage of a networkable computing device or accessible by the network). Can be done.

In a further example, the purchase may be processed using an e-commerce channel. In processing the purchase, the user may access the website at a given location or in a given country or region using the browser of a networkable computing device 13. Purchases may be processed using an account associated with the account currency (eg, a traditional credit or debit account, a PayPal ™ account, etc.). A website may be provided, for example, by a server computer system that includes at least one processor. In such an example, at least one processor of the server computer system (or another system with which it communicates, eg, the TRO host system 20) uses the information obtained using that browser to allow the browser to use it. Base currency information that identifies the location, country or region being used and, based on the information stored and the information received from the use of the browser, identifies the base currency associated with that location, country or region. Is programmed to identify from now on. At least one processor of the server computer system (or another system with which it communicates, eg, the TRO host system 20) compares the account currency information that identifies the account currency with the base currency information that identifies the base currency. , If the account currency information identifies an account currency that is different from the base currency, it may be programmed to start offering tax refunds to the user regarding the transaction.

As mentioned above, in an exemplary implementation, rather than simply identifying a currency, the account currency will instead or in addition include or identify the location, country or region associated with that account currency. It is assumed that the base currency information may instead, or in addition, include the location, country or region in which the browser is used. In such cases, as a result of comparing the account currency information with the base currency information, if the location, country or region in which the browser is used is different from the location, country or region associated with that account currency, at least one. If one processor determines, at least one processor is programmed to automatically start offering tax refunds to the user for the transaction.

Initiating tax refund for a transaction outputs to the store or user an indication that the user is entitled to tax refund (eg, visual display via a display device). Tax refund can be included.

Initiating the provision of tax refunds to users regarding transactions is information that indicates the user's identity obtained from a token identifier, passport or other travel document used to refer to user records held in remote systems. Includes generating transaction memory for providing tax refunds, including transaction information indicating purchased goods or services, store details about trading terminal systems or websites, or at least one of the categories of goods or services. obtain. Such tokens include passport numbers, passports, identification card numbers, identification cards, driver's license numbers, driver's licenses, payment card numbers, payment cards, card refunder card numbers, card refunder cards, visitor card numbers. , A visitor card, or one of a user-defined identifiers.

In some cases, printing of tax refund transaction records may occur.

Transaction records may be stored in storage associated with the host system. The transaction record identifies at least one purchase associated with the token identifier and the store identifier, and the host system stores the transaction record identifying the at least one purchase associated with the token identifier and the store identifier in the storage device. It is possible to operate like this.

An exemplary embodiment is, for example, at least in a payment channel or directly or indirectly connected to, for example, a host system, a trading terminal system, a networkable computing device or other computer system. It may be implemented by at least one program product, including program instructions that use one processor.

The computer program product may be in the form of a computer program on a transport medium. The transport medium may be a storage medium such as a solid-state element, magnetism, optics, magneto-optical or other storage medium. The carrier medium may be broadcast, telephone, computer network, wired, wireless, electrical, electromagnetic optics or any other transmission medium.

Aspects of the subject matter described herein are presented in the numbered clauses below.
1. 1. A computer implementation method for processing transactions,
To determine the account currency information associated with said user's account in order to process the transaction for the user, and
The step of comparing the account currency information with the reference currency information,
When the account currency information is different from the reference currency information, the step of starting tax refund provision to the user regarding the transaction, and
Computer implementation methods including.

2. 2. The step to determine the account currency information associated with a user's account is
Network-enabled computing device,
The computer implementation method according to Clause 1, comprising identifying an account currency code associated with at least one of a networkable computing device application.

3. 3. The computer implementation method according to Clause 2, wherein the computing device that can be connected to the network is a mobile communication device.

4. The computer implementation method according to Clause 3, wherein the mobile communication device is a mobile phone.

5. The reference currency information is described in any one of clauses 2-4, which identifies the reference currency associated with the location where the networkable computing device is connected to the network to process the transaction. Computer implementation method.

6. The reference currency information is in any one of clauses 2-5, which identifies the reference currency associated with the location of a terminal capable of operating to receive the account currency information from the network connectable computing device. The computer implementation method described.

7. The computer implementation method according to clause 1, wherein the step of determining the account currency information associated with the user's account comprises identifying the account currency code propagated by the payment device read by the payment device reader of the terminal.

8. The computer implementation method according to Clause 7, wherein the reference currency information identifies the reference currency associated with the terminal.

9. The computer implementation method according to clause 7 or 8, wherein the payment device is an EMV card and the payment device reader is at least one of a contact chip card reader or a non-contact chip card reader.

10. The step of refund tax refund to the user related to the transaction is
The computer implementation method according to any one of Articles 1 to 9, which includes a step of outputting tax refund to a store to give the user the right to provide tax refund.

11. The step of refund tax refund to the user related to the transaction is
The identifier of the token used to refer to the user record held in the remote system,
Information indicating the identity of the user, obtained from a passport or other travel document,
Transaction information indicating purchased goods or services,
Details of the store regarding the trading terminal system,
The computer implementation method according to any one of clauses 1-10, comprising the step of generating transaction records for tax refund provision, including at least one of the categories of goods or services.

12. The token is a passport number, passport, identification card number, identification card, driver's license number, driver's license, payment card number, payment card, card refunder card number, card refunder card, visitor card number, visit. The computer implementation method according to clause 11, which is one of a personal card and a user-defined identifier.

13. The computer implementation method according to clause 11 or 12, comprising printing the tax refund transaction record.

14. The transaction record comprises a step of storing the transaction record in a storage device associated with the host system, wherein the transaction record identifies at least one purchase associated with the token identifier and the store identifier, and the host system becomes the token identifier and the store identifier. The computer implementation method according to any one of clauses 1 to 13, wherein the transaction record identifying the at least one related purchase can be operated to be stored in the storage device.

15. The computer implementation method according to clause 14, wherein the host system is capable of operating to perform the method of any one of clauses 1-14.

16. The computer implementation method according to any one of clauses 1 to 13, which is performed by at least one of a computer system or a trading terminal system.

17. 12. The computer implementation method according to clause 14, wherein the method of any one of clauses 1 to 13 is performed by at least one of a computer system or a trading terminal system connected to the host system via a network.

18. A computer program product comprising a program instruction for causing at least one processor to perform the method according to any one of paragraphs 1-17.

19. The computer program product according to clause 18, comprising a non-temporary storage medium holding the instruction.

20. A system with at least one processor
To process transactions for a user, determine the account currency information associated with said user's account and determine.
Compare the account currency information with the base currency information and compare
A system configured to start tax refund provision to the user regarding the transaction when the account currency information is different from the reference currency information.

21. Determining the account currency information associated with a user's account
Network-enabled computing device,
The system according to clause 20, comprising identifying an account currency code associated with at least one of a networkable computing device application.

22. The system according to clause 21, wherein the network-connectable computing device is a mobile communication device.

23. 22. The system according to clause 22, wherein the mobile communication device is a mobile phone.

24. The reference currency information is described in any one of clauses 21-23, which identifies the reference currency associated with the location where the networkable computing device is connected to the network to process a transaction. system.

25. The reference currency information is set forth in any one of clauses 21-24, which identifies the reference currency associated with the location of a terminal capable of operating to receive the account currency information from the network connectable computing device. Described system.

26. The system according to clause 20, wherein determining the account currency information associated with a user's account comprises identifying the account currency code propagated by the payment device read by the payment device reader of the terminal.

27. The system according to clause 26, wherein the reference currency information identifies the reference currency associated with the terminal.

28. 26 or 27, wherein the payment device is an EMV card and the payment device reader is at least one of a contact chip card reader or a non-contact chip card reader.

29. To start tax refund for the user related to the transaction
The system according to any one of clauses 20-28, which includes outputting tax refunds to a store indicating that the user is entitled to tax refund.

30. To start tax refund for the user related to the transaction
The identifier of the token used to refer to the user record held in the remote system,
Information indicating the identity of the user, obtained from a passport or other travel document,
Transaction information indicating purchased goods or services,
Details of the store regarding the trading terminal system,
The system according to any one of clauses 20-29, which includes producing transaction records for tax refund provision, including at least one of the categories of goods or services.

31. The token is a passport number, passport, identification card number, identification card, driver's license number, driver's license, payment card number, payment card, card refunder card number, card refunder card, visitor card number, visit. The system according to clause 30, which is one of a passport or a user-defined identifier.

32. The system according to clause 29 or 30, comprising a printer for printing tax refund transactions.

33. A storage device associated with the host system comprises the host system for storing transaction records, the transaction record identifying at least one purchase associated with a token identifier and a store identifier, and the host system having the token identifier and the token identifier and the store identifier. The system according to any one of clauses 20-32, wherein the transaction record identifying the at least one purchase associated with the store identifier can be operated to be stored in the storage device.

34. 33. The system of clause 33, wherein the host system comprises at least one processor.

35. The system according to any one of paragraphs 20 to 32, wherein the computer system or the trading terminal system comprises the at least one processor.

36. At least one of the computer system or the trading terminal system comprises the at least one processor, and at least one of the computer system or the trading terminal system is connected to the host system via a network, and the host system is connected to the host system. It can operate to store transaction records in a storage device associated with the host system, the transaction records identifying at least one purchase associated with a token identifier and a store identifier, and the host system having said tokens. The system according to any one of clauses 20 to 32, wherein the transaction record identifying the identifier and the at least one purchase associated with the store identifier can be operated to be stored in the storage device.

37. A service that comprises a trading terminal system with a card reader that reads a user's payment card, said trading terminal system comprising a magnetic stripe reader, and a magnetic stripe on the card indicating that the card is an EMV card. It is possible to determine if it contains the first digit of the code and, if the first digit of the service code does not indicate that the card is an EMV card, start providing a tax refund to the user. , Trading terminal system.

38. Clause 37, where the first digit of the service code indicates that the card is an EMV card, prompts the user to submit the payment card for reading the EMV chip on the card. Described trading terminal system.

39. The trading terminal system according to clause 38, comprising a card reader, which is at least one of a contact chip card reader or a non-contact chip card reader.

40. In response to the user submitting the payment card for reading the EMV chip on the card,
The transaction terminal system is
Determining if the account currency code propagated by the payment card read by at least one of the contact chip card reader or the non-contact chip card reader is different from the currency code for the trading terminal system.
If the account currency code propagated by the payment card read by the card reader is determined to be different from the currency code for the transaction terminal system, tax refund can be started to be provided to the user. , Transaction terminal system according to clause 37 or 38.

41. Tax refunds can be started to provide tax refunds to the users.
The transaction terminal system according to any one of paragraphs 37 to 40, including outputting tax refunds to a store indicating that the user is entitled to tax refund.

42. Tax refund provision to the user is started by the transaction terminal system.
The identifier of the token used to refer to the user record held in the remote system,
Information indicating the identity of the user, obtained from a passport or other travel document,
Transaction information indicating purchased goods or services,
Details of the store regarding the transaction terminal system,
Product or service category,
The transaction terminal system according to any one of clauses 37-41, comprising generating transaction records for tax refund provision, including at least one of the following.

43. The token is a passport number, passport, identification card number, identification card, driver's license number, driver's license, payment card number, payment card, card refunder card number, card refunder card, visitor card number, visit. The trading terminal system according to clause 42, which is one of a passport or a user-defined identifier.

44. The transaction terminal system according to clause 42 or 43, comprising said transaction terminal system capable of operating to send a transaction message including the transaction record to a remote system over a network.

45. The transaction terminal system according to any one of Articles 42 to 44, wherein the transaction terminal system includes a printer and can operate to print records of tax refund transactions.

46. A system comprising the trading terminal system and remote host system according to any one of clauses 37-45, wherein the remote host system records a transaction identifying at least one purchase associated with a token identifier and a store identifier. Associated with a storage device for storage, the remote host system is associated with the token identifier and the store identifier in response to receiving a transaction message containing the transaction record from the transaction terminal system over the network. A system capable of operating to store the transaction record identifying the at least one purchase in the storage device.

47. It ’s a computer implementation method.
A step of determining whether the magnetic stripe on the user's payment card, read by the magnetic stripe reader of the trading terminal system, contains the first digit of the service code, indicating that the card is an EMV card.
A computer implementation method comprising the step of initiating tax refund provision to the user if the first digit of the service code does not indicate that the card is an EMV card.

48. Clause 47, if the first digit of the service code indicates that the card is an EMV card, prompts the user to submit the payment card for reading the EMV chip on the card. the method of.

49. Clause 48, comprising the step of urging the user to submit the payment card to at least one of a contact chip card reader or a non-contact chip card reader for reading the EMV chip on the card. the method of.

50. In response to the user submitting the payment card for reading the EMV chip on the card,
It is determined whether the account currency code propagated by the payment card read by the card reader of the transaction terminal system is different from the currency code for the transaction terminal system, and the card reader is a contact card reader or a non-contact card reader. At least one of
If the account currency code propagated by the payment card read by the card reader is determined to be different from the currency code for the transaction terminal system, tax refund provision to the user is started, according to clause 47 or 48. Method described.

51. The step to refund tax refund to the user is
The method according to any one of clauses 47-50, including the step of outputting tax refund to the store to give the user the right to provide tax refund.

52. The step to refund tax refund to the user is
The identifier of the token used to refer to the user record held in the remote system,
Information indicating the identity of the user, obtained from a passport or other travel document,
Transaction information indicating purchased goods or services,
Described in any one of clauses 47-51, including the details of the store for the trading terminal system, or the step of generating transaction records for tax refund provision, including at least one of the categories of goods or services. the method of.

53. The token is a passport number, passport, identification card number, identification card, driver's license number, driver's license, payment card number, payment card, card refunder card number, card refunder card, visitor card number, visit. The method according to clause 52, which is one of a passport or a user-defined identifier.

54. 52. The method of clause 52 or 53, comprising the step of transmitting a transaction message containing the transaction record from the transaction terminal system to a remote system over a network.

55. The method according to any one of clauses 47-54, comprising printing a record of tax refund transactions using a printer associated with the trading terminal system.

56. A storage device associated with a host system comprises a step of storing a transaction record, wherein the system comprises the transaction terminal system according to any one of the preceding paragraphs, the remote host system, and the remote host system. Associated with a storage device for storing a transaction record identifying at least one purchase associated with a token identifier and a store identifier, the remote host system received the transaction record from the transaction terminal system over a network. Any of clauses 47-55, which can act to store the transaction record in the storage device, responding to a transaction message comprising, identifying the token identifier and the at least one purchase associated with the store identifier. The method described in item 1.

56. A computer program product comprising a program instruction that causes at least one processor to perform the method according to any one of clauses 47-56.

57. The computer program product according to clause 56, comprising a non-temporary storage medium holding the instruction.

Having described the above embodiments in detail, a full understanding of the above disclosure will reveal a number of modifications and modifications to those skilled in the art. The following claims are intended to be construed to include all such modifications and modifications as well as their equivalents.

Claims (7)

A computer implementation method for processing transactions,
The step of determining the account currency information associated with the user's account in order to process the transaction for the user, and the step of determining the account currency information associated with the user's account is the payment device of the terminal. Steps, including steps to identify the account currency code propagated by the payment device read by the reader, and
The step of comparing the account currency information with one reference currency information,
When the account currency information is different from the reference currency information, tax refund provision to the user regarding the transaction is automatically started.
Computer implementation methods, including. The computer implementation method according to claim 1, wherein the reference currency information identifies a reference currency associated with the terminal. The computer implementation method according to claim 1 or 2, wherein the payment device is an EMV card, and the payment device reader is at least one of a contact chip card reader and a non-contact chip card reader. A system with at least one processor
Determining the account currency information associated with the user's account and determining the account currency information associated with the user's account to process the transaction for the user is read by the payment device reader of the terminal. Including identifying the account currency code propagated by the payment device
Compare the account currency information with one reference currency information,
When the account currency information is different from the reference currency information, tax refund provision to the user regarding the transaction is started.
A system that is configured to be. The system according to claim 4, wherein the base currency information identifies the base currency associated with the terminal. The system of claim 4 or 5, wherein the payment device is an EMV card and the payment device reader is at least one of a contact chip card reader or a non-contact chip card reader. To start tax refund for the user related to the transaction
The system according to any one of claims 4 to 6, which comprises outputting to a store an indication that the user is granted tax refund.

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