KR102096692B1 - Method and system - Google Patents

Abstract

The refund system uses tokens to provide detections of the user's eligibility for a refund, to retrieve purchases and to retrieve information about those purchases to process the refund for those purchases.

Description

Method and system

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

Tax refund systems are provided for travelers in many countries. Providing duty-free shopping can be attractive to visitors in the country and can help promote the tourism industry. However, traditionally, administrative tasks for duty-free shopping systems have been paper-based, at the point of sale by merchants issuing vouchers or checks, and then by customs officers confirming the export of goods at the border. . Although regulations vary from country to country, the traditional format for providing duty-free shopping identifies and verifies that the merchant within the country is a visiting traveler entitled to a tax refund by the user (customer), followed by the details of the user and the item purchased. Issuing a voucher containing the items, and then confirming that when the customs leaves the country, the exported item and the user correspond to the identified traveler on the item and voucher. A refund may then be made. Tax refund operators work with merchants and customs to facilitate the operation of this process and manage the paperwork associated with it.

This process has traditionally been very labor and cost intensive. Also, as described above, one aspect of the process is to determine whether the user is a traveler eligible for a tax refund. Several approaches have been proposed to automatically attempt to make this decision. For example, WO 2004/081838 proposes that the user carries an information carrier, such as a card that identifies the user that can be read by the terminal. WO 2005/057453 proposes that the user is provided with a smart card that identifies the user and the country of residence of the user. However, the user needs to carry the card in addition to the card used for payments. WO 03/079249 proposes that the determination of eligibility for VAT refund is based on the issuer code read from the payment card. However, maintaining accurate issuer records in terminal systems and / or hosts connected to terminal systems is a significant technological challenge due to the need to keep records updated and available to terminals. Provide them.

This application relates to providing an automatic determination of eligibility for receiving a tax refund based on a payment card used by a user without having to resort to storage and maintenance of issuer codes. The present invention seeks to provide a scientific and technological solution to these problems.

Aspects of the invention are defined in the claims.

Exemplary embodiments include a computer-implemented method of performing a transaction, the method comprising: determining account currency information identifying a currency associated with a user's account to perform a transaction for a user; Comparing the account currency information with reference currency information identifying the reference currency; And if the account currency information is different from the reference currency information, initiating a tax refund offering for the user for the transaction.

The exemplary embodiment comprises determining whether the account currency code contained in 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 by the card reader. If it is determined that the account currency code contained in the read payment card is different from the currency code for the transaction terminal system, a computer-implemented method is provided that includes automatically providing a tax refund offering to the user.

An exemplary embodiment provides a program product comprising program instructions for performing such a computer-implemented method.

An exemplary embodiment provides a system comprising at least one processor, the system determining account currency information identifying a currency associated with a user's account to perform a transaction for the user; Compare the account currency information with reference currency information identifying the reference currency; And, if the account currency information identifies that the account currency is different from the reference currency identified by the reference currency information, it is configured to initiate a tax refund offering for the user for the transaction.

While various aspects of the invention are described in the appended claims, other aspects of the invention are independent of any combination of features from the described embodiments and / or not merely combinations explicitly set forth in the appended claims. It includes the attached dependent claims with the characteristics of the.

Embodiments are described by way of example only with reference to the accompanying drawings.
1 is a schematic block diagram illustrating an example of a simple refund approach.
2 is a schematic diagram of an exemplary embodiment of a refund system according to an embodiment of the present invention.
3 to 5 are flow charts illustrating example operations.
6 is a schematic system overview.
7-9 are flow diagrams illustrating example operations.

1 illustrates a simple approach to obtaining a refund of taxes associated with purchases. The approach illustrated in FIG. 1 includes a user (traveler) receiving a conventional store receipt from a merchant upon purchase. Next, the store receipt is presented to the customs along with the products. The customs then determines eligibility and authenticates the store receipt. Then, the tax authority accepts the confirmed receipts, processes the tax refund, and pays the user.

This system has a number of disadvantages from both a commercial and technical point of view. In this system, merchants are not related to travelers. There is no additional in-store activity to stimulate sales of travelers unless the traveler is already aware of his eligibility for tax refunds. If a refund has not been received, post-purchase traveler perception is not positive and there are a large number of non-refundable eligible customers in this simple system. Also, if the traveler forgets to obtain the necessary paperwork at the time of departure, the traveler cannot request a refund.

In addition, tax authorities are required to issue reimbursement forms, collect completed forms and receipts, process requirements, and issue payments. The administrative task of keeping track of store receipts for travelers and each store is significant, which is necessary to receive coordinated tax returns from merchants. In addition, dispute resolution and inquiries from travelers and merchants should also be addressed by the tax authorities.

The exemplary embodiment addresses both the integrity and usability shortcomings of previous approaches while maintaining simplicity of operation. In an exemplary embodiment, at least one system coordinates the processing of purchases and refunds using the user's payment card. At least one system may be operated by a tax refund operator (TRO).

In addition to providing administrative work of refund operations, TRO can provide training for travelers and merchants throughout the process. Through the use of information technology systems, TRO can ensure the integrity of the system.

2 illustrates example methods, apparatus and systems for managing a refund process. In the exemplary process, the receipt of shopping and receipts (issuance 30) is separate from additional processing (acquisition 32, authorization 34 and payment 36).

For credit cards and debit cards, there may be multiple providers of issuing services and multiple acquirers of transactions and processing. For example, there may be multiple TROs. Transaction issuance can follow standard message types for sending to the authorization and payment systems. Extensive point-of-sale (POS) devices and in-store support for traveler shopping can be provided.

In the exemplary embodiment, the merchant system provides issuance of transactions 30 using TRO-provided POS devices and / or software, the TRO host system performs acquisition 32, and the customs approval system is authorized (34). ), And using the kiosk (verification station) at the point of leaving the territory, the TRO host system performs the refund payment 36. In an exemplary embodiment, the determination of eligibility for a refund is based on reading information from a payment card. Exemplary embodiments can also provide simplicity of use of the approach described with reference to FIG. 1 as perceived by users of the system, while also providing improved integrity.

In the conventional approach, it is expected that store salesmen and counter cashiers can verify eligibility for tax refunds by reviewing the traveler's passport. Indeed, many travelers are reluctant to carry their passports while shopping outside, so in practice shops allow travelers to fill out these details required on the refund vouchers after leaving the store.

In contrast, in an exemplary embodiment, potential eligibility can be automatically determined from the traveler's payment card use. By providing automatic determination of eligibility, dependence on less trained persons can be reduced.

In an exemplary embodiment, the terminal system reads information from the payment card and whether the payment card is an EMV card (named after EuroPay, MasterCard and Visa, which has advanced technology), which is a card with an electronic chip. And, if so, to determine whether the card has an ACC to determine if the application currency code (ACC) is the same as the currency used by the terminal system. In the latter case, it can be determined that the payment card is for a currency that is "foreign" to the currency used by the terminal system and thus a tax refund offer can be made to the user.

In an exemplary embodiment, for terminals systems in countries where only EMV cards are issued, if it is determined that the payment card is not an EMV card, the card has been issued in a foreign jurisdiction over the jurisdiction of the terminal system and taxes on the user It can also be determined automatically that a refund offer can be made. For example, for cards provided with a magnetic stripe, an indicator is present on both tracks 1 and 2 of the magnetic stripe (service code number 1) to indicate whether the card is an EMV chip card. Thus, if a magnetic stripe card is used and the service code number 1 is not 2 or 6, it can be determined that the card is a magnetic-stripe only card and not an EMV card.

As a result of determining that the ACC code is for a “foreign currency” currency and / or the payment card is not an EMV card (if applicable), a tax refund offering can be made automatically. In one example, a refund transaction record that provides an association between a payment card or other token and a transaction identifier (eg, sales receipt) for a purchase transaction for at least one purchase may be initiated automatically. In another example, the merchant may receive a message asking the user to go to the tax refund issuing desk to process the refund. In various examples, a payment card or other token can then be used thereafter to fetch a record of the transaction (s) when leaving the territory to verify the refund for purchases.

Below, a system and method of an exemplary embodiment of a tax return system for a territory is described with reference to FIG. 2, where multiple TROs are associated with merchants, and then self-at the point of departure from the territory. Tax refunds are provided to travelers through the user of the service kiosk 22.

In the first stage 102, the user can optionally associate a payment card or other token with the user and this information can be stored in a central record. This can be done before entering the territory or at the time of entry or at the point of sale. The user can select a payment card or token to be used. The user can specify a specific token to be used, for example, through a website or at a point of sale terminal or in response to a request by a merchant. For example, a user may associate his / her details with a payment card or token by registering his / her details and registering on a website provided by TRO. The TRO can then provide information to the user about refund opportunities and processes. Alternatively or additionally, tokens (eg, visitor cards) may be issued to the user. The user details can then be recorded at the entry station local to the point of issue, for example at the time of entry or at the point of sale, or the issued token is pre-filled user details on the TRO website. You can link to the details. Suitable input stations include, for example, at least one input interface of a type of at least one of a computer processor and memory, a keypad, a keyboard, a touch-sensitive screen, a card reader, a machine-readable identifier reader, a document scanner, and voice-activated input. And at least one output interface of at least one type of display, printer, card writer, and speaker. The input station may also be provided with fingerprint reading and / or camera technology to verify biometric information held on a machine readable user identifier (eg, an ID document such as a passport).

Payment card details along with token identifier (eg, token-specific number) and / or details of the user (traveler) are provided to the acquiring host server system 20 where the identifier and user details are recorded (stored) Can be (103) and held on the host server system (20). The host server system 20 may include at least one server computer, each including at least one processor and memory located in a single location or distributed system. The efficiency of the system has been improved so that the identifier for the token and user details are forwarded to the host server system and recorded in real time.

In the next stage 104, user 12 can make a purchase, for example, from a merchant. 3 illustrates an example of step 104 in more detail.

Referring to FIG. 3, when a user provides a payment card for payment, a payment card reader (eg, magnetic stripe reader, contact chip reader or near field communication (NFC) card reader) is operated to read information from the payment card. You can.

For example, in step 302, if the terminal system reads the card using a magnetic stripe reader, the terminal system in step 304 has a magnetic stripe on the card (eg, on track 1 or 2 on the magnetic stripe) 2 or It can operate to determine if it includes a 6 person service code number 1. If it is determined in step 304 that the magnetic stripe on the card contains a service code number 1 that is 2 or 6 (eg, on track 1 or 2 on the magnetic stripe), the terminal system determines that the card is an EMV card, and the terminal system is a user. May operate to display a message on the display of the terminal system to the user and / or merchant to prompt the payment card to be presented to the contact chip reader for the EMV card.

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

If there is a terminal in the country where only EMV cards are issued, and the service code number 1 (e.g., on track 1 or 2 on the magnetic stripe) is determined to be other than 2 or 6 in step 304, step as described later At 306, the payment card is a foreign card, and it can be automatically determined that a tax refund offering can be made to the user.

If the chip of the EMV card is read by the contact chip reader of the transaction terminal system in step 308 or 310, or in step 312 through the transaction terminal system's near field communication (NFC) interface, in step 314 the application currency code (ACC) It is determined whether is provided on the EMV chip.

If the ACC is read from the card in step 314, the transaction terminal system in step 316 is associated with the transaction associated with the transaction terminal system (hereinafter also referred to as local currency), the currency indicated by the ACC can be represented by a terminal currency code (TCC). It can act to determine if they are the same. At this stage, the ACC read from the card can be compared to the TCC stored in storage at the transaction terminal system to determine whether the currency represented by the ACC is the same as the currency associated with the transaction terminal system.

In step 316, if it is determined by the transaction terminal system that the ACC is not the same as the TCC, it will be automatically determined that the payment card in step 306 is a foreign card and a tax refund offering may be initiated to the user as described later. You can.

In step 316, if the ACC is determined to be the same as the TCC by the transaction terminal system, it can be automatically determined in step 318 that the payment card is a local card and the transaction will be performed without a tax refund offering.

In step 314, if it is determined that the ACC is not read from the EMV chip, in step 320, the transaction terminal system can initiate an alternative process. For example, the user may be asked by the merchant whether the user is a traveler and whether he wants to receive a tax refund offer.

The transaction terminal system may be programmed to execute the steps illustrated in FIG. 3 by program code retained in the storage of the transaction terminal system and operable to control at least one process of the transaction terminal system.

4 illustrates an example of a process for step 306 for initiating and providing a tax refund offering.

In step 400, the process of creating a transaction record begins.

The payment card number for the payment card at step 402 by the transaction terminal system to access details of the user over the network from traveler records held in storage at the TRO host system 20 to generate transaction records (eg , Credit card number CC #) may be used, or an identifier of another token may be used in step 404. The transaction terminal system can generate transaction records using retrieved user details.

At step 406, the merchant or user may optionally be prompted to fill in passport details. This can be done by manual entry of a passport number or other traveler identifier or by using a passport reader to read user details from a passport or other travel document. The transaction terminal system may be operative to add this information to the transaction record and / or to verify information retrieved from traveler records held in storage in the TRO host system 20.

In step 408, the transaction terminal system may operate to add purchase details and merchant details for the transaction terminal system to the transaction record for purchase information that has been scanned or otherwise written to the transaction terminal system.

In step 410, the transaction terminal system may optionally add a category of merchandise identifiers to the transaction terminal. The category of products may, for example, identify a tax refund category.

In step 412, the transaction terminal system may operate to issue a tax refund transaction. This may be a type of sending a tax refund transaction record to the TRO host to associate the transaction record with user records held on the TRO host system. In addition, or alternatively, a tax refund check or other confirmation can be printed (eg, printed) for the user.

5 illustrates another example of a process for step 306 for initiating and providing a tax refund offering.

The process begins at step 500, and at step 502, a message is displayed to the merchant asking the user to go to the tax refund issuing desk to process the tax refund. The tax refund process performed at the tax refund issuing desk may be, for example, to generate a tax refund record, as described with reference to FIG. 4.

In other examples, the tax refund offering may be, for example, a type that offers the user whether or not to continue processing for refund of tax. This may be of a type that displays options to the user, for example, by the touch screen panel or other user input, to allow or disallow the user, to continue processing the request for refund, for example.

In the alternative process described in 320, several options are available. For example, ask the user if a tax refund is needed and then ask him to enter a code or press a displayed or physical button to confirm whether or not to accept the request for a refund. In order for the message to be displayed to the merchant. Following this manual selection process, a refund record can be generated, for example, using a process as described with reference to FIG. 4. Alternatively, the user may be asked to move to a refund processing desk within the store to prepare a refund check or the like.

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

Since there may be multiple TROs in the market, multiple acquisition system hosts 20 may exist. (To use the credit / debit card example) The relationship between the merchant and the TRO is the relationship between the merchant and the acquirer. Each TRO is associated with his own merchants and is responsible for point of sale (POS) devices and integrated software that generates tax refund transactions.

2, a transaction message containing information about the transaction record can thus be sent to the TRO acquisition host system 20 where further processing can be performed. The format of the transactional message between the POS and the acquiring host can take any suitable type, as this can be proprietary. In one example, the transaction message sent between merchant system 14 and acquisition host 20 includes a token identifier (eg, token number), receipt identifier (eg, receipt number), references to purchased goods, merchant Includes identifier, TRO identifier, time and date stamp, and secure hash (used to prevent tampering). Additionally, it may contain information about the tour guide, promotional codes, or any other data the TRO wishes to collect.

Each TRO can only view transactions generated by TRO's associated merchants, so a separate acquisition host system 20 provides for each TRO so that commercially sensitive information can be kept separate from each TRO. Can be. All tax refund transactions generated by the associated merchants can be stored in the database of the acquisition host system 20. Transaction records stored in the memory of the acquiring host system include, for example, a token identifier (eg, token number), receipt identifier (eg, receipt number), at least one reference to the purchased product or products, merchant identifier and time And a date stamp. Acquisition host system 20 may also assign a unique transaction identifier (eg, a unique transaction number) to the transaction so that a unique number is available within the system to track the transaction during processing.

Message interface 24 (also referred to herein as a message switch) provides a neutral place for all messages to be received and transmitted, and provides messages to be properly formatted and routed. For example, transaction messages may include a transaction identifier (eg, transaction number), token identifier (eg, payment card or other token number), receipt identifier (eg, receipt number), references to purchased goods, merchant identifier, It may include at least one of a TRO identifier, a time and date stamp and a secure hash (used to prevent tampering). Message switch 24 may be a separate system, or may be combined with customs approval system 26 depending on the particular implementation.

Transactions received by each of the acquiring host systems 20 may be forwarded to the customs approval system 26 via a message switch 24. The customs approval system may include at least one computer, each including at least one processor and memory.

The transaction message received by the TRO at the acquiring host system 20 can be formatted according to the standard (eg, ISO8583 or variations thereof) and can be sent to the message switch 24. As shown in Figure 2, GBISO is an ISO8583 message format with private fields filled with TFS or DCC related information. The message switch can operate to deliver the transaction message to the customs approval system 26.

The customs approval system 26 provides an authorization system for authorizing refunds, and may be operated by a customs authority, or instead, by a third party. The customs approval system 26 can automatically approve or reject tax refund transactions based on rules set by the customs in the system. The customs approval system 26 can also be accessed manually by a customs officer.

Self-service verification stations (kiosks) 22 at territorial exit points may be connected to message switch 24. The verification station 22 can be configured to request the user to present an identifier (eg, payment card or other token) to be read. The verification station 22 includes, for example, a keypad, a keyboard, a touch-sensitive screen, a card reader, a scanner, at least one input interface that is a type of at least one of voice-activated input, and displays, printers, card writers, speakers At least one output interface of at least one type may be provided. Verification station 22 may optionally be provided with fingerprint reading and / or camera technology to verify biometric information held on a machine readable user identifier (eg, an ID document such as a passport).

The verification station 22 may be operable to prompt the user to present a payment card or token associated with payments for refund of tax. If the user presents a token, the verification station 22 sends at least one verification request message to the customs approval system 26 via message switch 24 requesting a list of all tax refund transactions from all TROs. It can operate to deliver.

The customs approval system 26 may be operative to fetch all transactions associated with the token from its own database and / or acquiring host systems 20 in response to a verification request message, and configured to determine approval or rejection Rules can be applied.

In one example, customs approval system 26 may be set to automatically approve transactions based on established rules (“green channel”), or based again on rules set within customs approval system 26. The item can be set to automatically identify that it needs to be inspected by a customs officer for approval (“red channel”).

When the customs approval system 26 makes a decision about the transaction (approval / reject), the authorization message (verification request response message) is automatically routed back to the appropriate acquisition host system 20 via message switch 24. The acquisition host system 20 updates the existing tax return transaction record for the transaction with an authorization message (approval, presentation for approval, change).

Since the TRO is responsible for the tax authorities for the transaction, the decision to pay the refund is the responsibility of the TRO. For that reason, the customs approval host does not act as a payment authorization host, rather the TRO's acquisition host system 20 is a system of records.

Each acquisition host system 20 formats the refund message and sends a refund message to the verification station indicating which transactions have been approved for the "green channel" automatic payment. The TRO that issued the token is given a first location on the verification station, and the transactions of that TRO are displayed.

If all the fetched transactions have approved codes, the user is given a "green channel" service and asked how the refund will be paid. If any of the transactions is not automatically approved, the user is given a "red channel" service and is asked to attend himself to the customs official for further processing.

If a refund via a payment card (eg, credit card) is selected, the refund can be made automatically with the registered payment card. If the payment card has not been registered, the verification station may prompt the user to swipe the card for which the refund should be made.

If the user requests a cash equivalent refund and the user uses a TRO issued token that can store the amount of cash, the refund amount can be deposited as a token.

If the user requests a cash equivalent refund and the user does not use the TRO issued token, a prepaid card can be issued from the verification station 22.

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

In the case of indicating red channel processing, the verification station prompts the user to present the token and identifier to a customs officer who can then begin processing with the token. The customs officer may be provided with an authorization station linked to the customs approval system 26 or forming part of the customs approval system 26. However, in other examples, the approval stations may be separate and / or remote from the customs approval system and may communicate with the customs approval system, for example, via a message switch.

In response to the input of the token identifier (eg, the token is a magnetic stripe card by swiping the card), the authorization station may be configured to use the token identifier to send an information retrieval message to the customs approval system 26. The customs approval system 26 can then retrieve a list of approved and rejected transactions associated with the token.

The customs officer can then approve or reject each transaction, or change the amount. The customs officer can use the input device (s) of the authorization station 28 to write the results of his / her decisions. The results of his / her decisions are communicated by customs approval system 26 via message switch 24 to a suitable acquisition host system 20. The acquisition host system 20 now includes tax refund transactions with authorization codes (approval, rejection, changed value).

The user can then return to the verification station 22, present his / her token once more, and be prompted in a refund manner as described above.

The customs approval system 26 can be configured to operate in one or both of two modes of operation. In both modes of operation, information for transactions is stored on individual acquisition host systems 20. In the first mode of operation, the customs approval system 26 is operable to retrieve transaction information from the individual acquisition host system 20 and verify refunds. The result of the authorization is communicated back to the appropriate acquisition host system 20 via message switch 24. The acquisition host system 20 now includes tax refund transactions with authorization codes (approval, rejection, changed value). In the second mode of operation, the customs approval system 26 (CAS) maintains a copy of each transaction in its own database, not only associated with the associated token identifier, but also with the obtaining host system identifier. In this case, customs approval system 26 also passes the transaction and authorization code back to the associated acquisition host system 20. The difference between the two modes is that in the second mode, CAS retains a copy of all data from all acquisition host systems 20.

Secure transmissions, messages and protocols can be used to communicate information using existing software, equipment and processes to process secure financial transactions known as electronic payments. The standards-based message format can therefore be used to send refund transactions. The use of a standard message format allows for multiple TRO providers, ensuring that customs and national tax services only need to handle a single system for approvals.

Linked to the token identifier in the acquisition host system 20 and by recording transactions on the acquisition host system 20 and / or customs approval system 26 using the transaction identifier, purchase price and payment card or other token identifier. By further retaining user detail records, to indicate a "yes / no" response to the request for reimbursement, and to send the result to the acquiring host system 20, the customs approval system 26 is responsible for the token. Based on the presentation, it may operate to retrieve refund transactions from the TRO's acquisition host system 20.

In one illustrated example, communication between the acquiring host system (s) 20 and the customs approval system 26 may be accomplished by a message switch 24. Message switch 24 may provide a dedicated network between customs approval system 26 and acquisition host system 20 for at least one TRO. Rather than a dedicated network, communication can be through secure switching channels operating on public networks such as the Internet.

In an exemplary embodiment, automated verification stations (kiosks) 22 may be provided that allow for automatic pre-screening of refund transactions to generate a “red channel / green channel” response without human intervention. The automatic pre-screening process can be done, for example, using a verification station 22 (eg, kiosk) at the time of leaving the territory.

The verification station 22, or an authorization system in communication with the verification station 22 (eg, the customs approval system 26), includes, for example, “red for expensive purchases and / or certain types of purchases. Rules can be provided that define the "channel" requirements. The "red channel" behavior may be to require the user to present tokens, shopping receipts, passports and purchased products to the customs official for approval.

The verification station 22, or customs approval system 26 in communication with the verification station, provides a "green channel" that provides automatic approval for low cost items and / or purchases by travelers from certain countries. Rules defining the situation can be provided.

6 is a schematic system diagram providing an overview of an exemplary overall system configuration of an exemplary embodiment.

6 illustrates several systems connected via a network 15, eg, the Internet.

6 illustrates a plurality of network-connectable computing devices 13 (eg, desktop, laptop, personal digital assistant, mobile phone, etc.) connected to the network 15. User computer 13 can be used by a user (eg, a traveler) to access a website to register a token. The website, by way of example only, may be provided by one of a plurality of TROs, tourists or travel organizations or authorities. As will be explained later, this network-connectable computing device 13 can also be used to initiate or perform a transaction.

6 illustrates a plurality of input stations 17 connected to the network 15. The input station 17 can be provided, for example, to an incoming point (eg, an airport immigration area), a tourist office, a retailer, and the like. The input station 17 includes, for example, at least one input interface of at least one type of keypad, keyboard, touch sensitive screen, passport or other ID document reader, card reader, scanner, voice-activated input, and examples For example, at least one output interface of at least one type of display, printer, card writer and / or dispenser, speaker may be provided. In the exemplary embodiment, the input station 17 may be operative to issue tokens, eg cards with unique identifiers.

6 illustrates a plurality of merchant systems 14 connected to the network 15. Each merchant system 14 may include at least one computer system, each with at least one processor and memory, and, for example, a keypad, keyboard, touch sensitive screen, card reader, scanner, voice-activated At least one point-of-sale device, which may include at least one input interface that is at least one type of input and at least one output interface that is at least one type of display, printer, card writer, speaker, for example. Includes.

6 illustrates a plurality of TRO acquisition host systems 20 connected to the network 15. Each acquisition host system 20 can include at least one computer system, each including at least one processor and memory.

6 illustrates message switch 24 (corresponding to message interface 24 of FIG. 2) connected to network 15. In this example, the message switch 24 serves as a communication interface between the acquisition host systems 20, verification stations 22 and customs approval system 26.

6 illustrates a plurality of verification stations 22 connected to the network 15. The verification station 22 can be located at the point of departure (eg, airport departure area). The verification station 22 includes, for example, at least one input interface that is a type of at least one of a keypad, keyboard, touch sensitive screen, passport or other ID document reader, card reader, scanner, voice-activated input, and, for example, For example, at least one output interface that is a type of at least one of a display, a printer, a card writer and / or a dispenser, and a speaker may be provided. The verification station 22 may also be provided with at least one device that inputs user biometric information, such as a fingerprint scanner or camera.

The user's familiarity with automated teller machines and the like means that verification stations 22 of the type of self-service kiosks at the leaving points are acceptable to the users.

As described above, in one example, verification station 22 may be provided with a reader that automatically reads machine readable identifiers (eg, machine readable identification documents such as machine readable passports), By doing so, it is possible to enable automatic identification of the user's identity and eligibility for refund. Verification station 22 may prompt the user to present a token identifier. Also, as indicated above, the token may be of a type such as a magnetic stripe card, chip card, bar code, or number to be written on the keypad.

The verification station 22 will then define a customs approval system 26 or a TRO acquisition host system 20 that defines at least one purchase associated with the identifier to determine whether to verify the refund associated with the at least one purchase. ), The eligibility of the refund can be determined based on the information held in. Optionally, verification station 22 may receive biometric information to verify the user's identity and cross check this information with information held on a machine readable identifier.

In one example, verification station 22, in response to the input of the token identifier, sends a request to the server for information defining at least one purchase associated with the identifier, and defines at least one purchase associated with the identifier, The information received from the server is compared with pre-defined rules to determine whether to verify the refund, and the output interface is given to the user whether the refund was automatically verified (ie, verification was done automatically). Can be displayed. When the refund is verified, the verification station 22 can send a confirmation to the server that verification has been made for the refund.

In another example, the verification station 22, in response to the input of the token identifier, determines whether to verify the refund by sending a request to the server, and indicates whether the refund for at least one purchase has been verified In response to the response from the server, the output interface can indicate to the user whether the refund has been verified (ie, verification has been done automatically).

Alternatively, the user may be prompted to report on a manual verification check by the customs officer.

Verification station 22 may also operate to prompt the user to identify how a refund is made (eg, by credit card or cash). When the user selects a credit card, the transaction can be automatically refunded. When the user selects cash, the user may be issued a fully active debit card with a refund amount, or may be prompted to go to the airside refund counter to receive the cash.

If the result is a "red channel" response, the user is prompted to indicate how the refund will be made if approved, then the user can be directed to the customs desk for further checking.

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

The authorization station may include, for example, at least one input interface of at least one type of keypad, keyboard, touch sensitive screen, card reader, scanner, voice-activated input, and, for example, a display, printer, card writer, At least one output interface of at least one type of speaker may be provided.

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

If the refund is approved, and the user requests a credit card refund, then credit card transfer can be made automatically in response to the customs officer approving the refund using the approval station. Alternatively, the debit card can be generated by the authorization station, or by the verification station 22.

7 illustrates an example of steps performed in response to a user leaving a territory, and at 710, verifying a token (eg, payment card) or machine readable ID (eg, passport) at the point of leaving the territory (kiosk). ) Token (payment card) or ID reader.

In this example, at 712, the kiosk can operate to identify the user based on the stored information, in response to reading the token, or in response to reading the ID, as described with reference to FIG. 3 above.

At 714, if the user is not recognized as a qualified user, a message suitable for the user at the kiosk will be provided at 716 and the process ends-for example, the user can be sent to the customs desk for manual processing.

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

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

At 722, the approval system may check transactions (available, if appropriate, at the approval system and / or from the acquiring host system) using a token identifier to retrieve related transactions.

If approval is not automatically given at 724, further processing at 730 is described with reference to FIG. 9.

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

8, for each acquiring host system that has received an acknowledgment message from the acknowledgment system, the acquiring host system at 810 may transmit a suitable acknowledgment message to the kiosk.

At 812, the kiosk may prompt the user to select a payment method.

At 814, the kiosk can make the payment, for example, by asking the user to enter the payment for which the refund will be deposited, or by providing a card with a refund amount.

Proceeding to FIG. 9, if the authorization is not automatically given at 724, the authorization system at 910 may send a non-approval message to each acquiring host system for each unauthorized transaction.

At 912, the acquiring host system receiving this non-approval message sends a suitable non-approval message to the kiosk.

At 914, when the kiosk receives a non-approval message, the kiosk may prompt the traveler to report to customs for a manual verification check.

At 916, the customs officer may receive the token from the user or may request the user to fill in the token at the customs approval station.

At 918, the authorization station sends an information request containing the token identifier to the authorization system.

At 920, the authorization system uses the token identifier to identify related transactions to obtain transaction information (available, if appropriate, and / or from the acquiring host system) and returns transaction information.

If the customs officer does not approve the transaction at 922, at 924 the user (traveler) is informed that the transaction has not been approved by the customs officer, and by a message returned from the approval station to the approval system, and approval for refund for the given transaction. The process is terminated by the acquiring host associated with this not being given.

Alternatively, if an authorization is given for a refund at 922, the authorization station at 926 sends an appropriate message through the authorization system to the associated acquiring host system that authorization has been given for the given transactions.

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

As shown in 930, additional processing to achieve reimbursement may proceed in steps 810-814 as shown in FIG.

The refund system uses a token to provide detection of the user's eligibility for a refund, and to retrieve information about those purchases to identify purchases and to process refunds for those purchases.

In combination with the use of a payment card and optionally also a token identifier, by providing available information from the server system to the integrated system, purchases can be associated with the traveler and eligibility can be determined at the point of departure following purchase transactions. .

In the above examples, it is assumed that payment is made using a payment card using a transaction terminal system.

It should be noted that the term “payment card” as used herein is used in a generic way to describe a token or device or carrier that can be used to make a transaction based on the account associated with it. “Payment card” need not take the form of a conventional rectangular plastic credit card or the like, and it is possible to have an integrated chip incorporated therein, but within the meaning applied herein “payment card” is credit transaction, withdrawal amount It should be noted that, or any other type that can act as a payment token, device or other type of carrier. For example, within the meaning of the term "payment card" as used herein, a payment system may be based on the use of carriers of mobile phones, personal digital assistants (PDAs), or other information as a "payment card". Or it may be allowed to use. A mobile phone configured as a payment card, for example, may include circuitry or software having functionality equivalent to that of a chip in a chip-based payment card, or, for example, a distinctly different function of the type of electronic wallet. have. Thus, when referred to herein as a payment card, in the above examples, a “payment card” is a payment token, device or carrier configured to perform transactions based on the account associated with it, eg, (eg, It should be understood that it can take any suitable type that can act as a suitable software means and / or mechanism for communicating information to and from the payment terminal system (via contacts or in a non-contact manner).

Exemplary embodiments that operate without using a transactional terminal system are also contemplated.

In one example, a purchase is made by a user to a payment channel (e.g., a mobile communication device such as a mobile phone, tablet, wearable mobile computing device) (e.g., mobile phone, tablet, wearable mobile computing device) illustrated in FIG. , Wirelessly). In an exemplary embodiment, determining the account information currency information that identifies the currency associated with the user's account includes determining the network-connectable computing device or application of the network-connectable computing device 13 (eg, a shopping application, an electronic wallet, or And the like). In an exemplary embodiment, base currency information is identified that identifies a base currency associated with:

A location where a network-connectable computing device is connected to a network to perform transactions; And / or

A location of a terminal, the terminal being operable to receive account currency information from a network-connectable computing device.

In an exemplary embodiment, the determination of the account currency information and the reference currency information is through a terminal through which the network-connectable computing device 13 connects to the network, or (eg, in the TRO host system 20). It is made by at least one processor of at least one computer system connected directly or indirectly to the payment channel or to the payment channel. Applications of network-connectable computing devices (eg, shopping applications, electronic wallets, or the like) are configured such that when an application is used to make a purchase, a suitable terminal or computer system (s) are combined to make a decision. . For example, the application can transmit the details of the transaction to the TRO host system over the network, the payment channel to be used (eg, payment account and ACC identification of the payment account), and a network-connectable computing device or a network-connectable computing device. And operate to send a message including geolocation information about the terminal's current location that is operable to receive account currency information.

The connection of the network-connectable computing device 13 to the network 15 includes, for example, a mobile telephony connection (eg, cellular connection), WiFi connection, Bluetooth connection, near field communication (NFC) connection, Ethernet connection, Or it can be made through at least one of certain secure wireless or wired connections.

In an exemplary embodiment, at least one processor of at least one computer system connected directly or indirectly to a payment channel (eg, in a TRO host system) or to a payment channel, eg, at least one computing system Determining account currency information identifying the currency associated with the user's account for performing a transaction for the user, from the user records stored in the storage associated with the account currency information, comparing the account currency information with the reference currency information identifying the base currency, If the account currency information identifies that the account currency is different from the reference currency identified by the reference currency information, it is programmed to initiate a tax refund offering for the user for the transaction. As indicated above, at least one processor of at least one computing system includes a location and / or (eg, a terminal) where a network-connectable computing device (eg, using geolocation technologies) is connected to a network to perform a transaction. (Using stored information about the location of the computer), may determine to determine a reference currency based on the location of the terminal that is operable to receive account currency information from the network-accessible computing device. For example, at least one processor accesses stored information that maps or associates these locations with reference currencies (eg, held in storage of at least one computer systems) to determine a reference currency associated with the location. Can work.

Rather than identifying currencies alone, in an exemplary implementation, account currency information may instead or additionally include or identify a location, country or region associated with the account currency, and the reference currency information is network-accessible It is contemplated that the computing device may instead or additionally include or identify a networked location, country or region. In this case, as a result of comparing the account currency information to the reference currency information, the location, country or region in which at least one processor is associated with the account currency is different from the location, country or region in which the network-accessible computing device connects to the network. If determined, at least one processor is programmed to automatically initiate a tax refund offering for the user for the transaction.

In an exemplary embodiment, at least one processor of at least one computer system is programmed to determine and compare currency information to determine whether to initiate a tax refund offering for a user for a transaction, but in other examples, The application of the network-connectable computing device can operate to make this decision. For example, an application may be initiated using a network-connectable computing device to determine whether or not the account currency represented by the ACC is the same or different from the reference currency represented by the reference currency information. It may be configured to use ACC and reference currency information for the payment account associated with the application to determine whether to initiate a tax refund offering for the user for the transaction. To determine the reference currency information (eg, reference currency code) associated with the current location of the network-connectable computing device, the application uses geolocation to determine the current location of the network-connectable computing device, and It may be configured to use information that maps or associates locations to reference call information (eg, held in storage of a network-connectable computing device or accessible by the network).

In a further example, purchasing may be performed using an e-commerce channel. When making a purchase, a user may access a website at a given location or at a given country or region using a browser of network-accessible computing device 13, and an account associated with a given account currency (eg, conventional credit Alternatively, you can make a purchase using a withdrawal account, PayPalTM account, or the like. The website may be hosted, for example, by a server computer system comprising at least one processor. In this example, at least one processor of the server computer system (or other system that communicates with it, such as the TRO host system 20), is configured from the browser's use to identify the location, country or region in which the browser is used. It is programmed to use the derived information, and from there, to identify reference currency information that identifies a reference currency associated with a location, country or region based on the stored information and information received from the use of the browser. At least one processor of the server computer system (or other system in communication with it, such as the TRO host system 20) compares the account currency information identifying the account currency with the reference currency information identifying the reference currency, and , If the account currency information identifies that the account currency is different from the base currency, it can be programmed to initiate a tax refund offering for the user for the transaction.

As described above, rather than identifying currencies alone, in an exemplary embodiment, the account currency may instead or additionally include or identify a location, country or region associated with the account currency, and reference currency information. It is contemplated that the browser may instead or additionally include the location, country or region in which the browser is used. In this case, as a result of comparing the account currency information with the reference currency information, if at least one processor determines that the location, country or area in which the browser is used is different from the location, country or area associated with the account currency, the at least one The processor is programmed to automatically initiate a tax refund offering for the user for the transaction.

Initiating a tax refund offering for a user for a transaction may include outputting to the merchant or user an indication that the user is eligible for the tax refund offering (eg, a visual indication through a display device).

Initiating a tax refund offering for a user for a transaction includes: an identifier of a token used to refer to user records held in a remote system; Information representing the identity of the user derived from a passport or other travel document; Transaction information indicating purchased products or services; Merchant details for a transactional terminal system or website; And generating a transaction record for a tax refund offering that includes at least one of a category of products or services. These tokens include passport number, passport, identity card number, identity card, driver's license number, driver's license, payment card number, payment card, card refund operator card number, card refund operator card, visitor card number, visitor card, customized It can be one of the identifiers.

In some examples, printing of a record of a tax refund transaction may result.

Transaction records may be stored in storage associated with a host system, the transaction records identify at least one purchase in relation to a token identifier and merchant identifier, and the host system may purchase at least one purchase in relation to a token identifier and merchant identifier. It may operate to store the transaction record identifying the in the storage.

Exemplary embodiments are, for example, at least one of a host system, a transaction terminal system, a network-connectable computing device, or another computer system, for example, directly or indirectly connected to or in a payment channel. It may be implemented by at least one program product including program instructions using a processor.

A computer program product may be a type of computer program on a carrier medium. The carrier medium may be a solid state, magnetic, optical, magneto-optical or other storage medium. The carrier medium can be a transmission medium such as a broadcast, telephone, computer network, wired, wireless, electrical, electromagnetic optics or any other transmission medium.

Aspects of the technical subject matter described herein are disclosed in the following numbered clauses:

1. A computer-implemented method of performing a transaction,

Determining account currency information associated with the user's account to perform a transaction for the user;

Comparing the account currency information with reference currency information; And

And if the account currency information is different from the reference currency information, initiating a tax refund offering for the user for the transaction.

2. In Article 1,

Determining the account currency information associated with the user's account,

A network-connectable computing device;

And identifying an account currency code associated with at least one of the applications of the network-connectable computing device.

3. In Article 2,

The network-connectable computing device is a mobile communication device, a computer-implemented method of performing a transaction.

4. In clause 3,

The mobile communication device is a mobile phone, a computer-implemented method of performing a transaction.

5. In any of clauses 2 to 4,

And the reference call information identifies a reference call associated with a location where the network-connectable computing device is connected to a network to perform the transaction.

6. In any of clauses 2 to 5,

The reference currency information identifies a reference currency associated with the location of the terminal, and the terminal is operable to receive the account currency information from the network-accessible computing device.

7. In Article 1,

Determining the account currency information associated with the user's account includes identifying the account currency code contained in the payment device read by the payment device reader of the terminal. Computer-implemented method of performing a transaction.

8. In clause 7,

And the reference call information identifies a reference call associated with the terminal.

9. In clause 7 or clause 8,

The payment device is an EMV card, and the payment device reader is at least one of a contact or contactless chip card reader, a computer-implemented method of performing a transaction.

10. In any one of clauses 1 to 9,

Initiating a tax refund offering for the user for the transaction comprises outputting to the merchant an indication that the user is eligible for the tax refund offering.

11. In any one of clauses 1 to 10,

Initiating a tax refund offering for the user for the transaction,

An identifier of a token used to refer to user records held in a remote system;

Information representing the identity of the user derived from a passport or other travel document;

Transaction information indicating purchased products or services;

Merchant details for a transactional terminal system; And

And generating a transaction record for a tax refund offering that includes at least one of the categories of goods or services.

12. In clause 11,

The tokens include passport number, passport, identity card number, identity card, driver's license number, driver's license, payment card number, payment card, card refund operator card number, card refund operator card, visitor card number, visitor card, customized A computer-implemented method of performing a transaction, one of identifiers.

13. In clause 11 or clause 12,

A computer-implemented method of performing a transaction, comprising the steps of causing printing of a record of a tax refund transaction.

14. In any one of clauses 1 to 13,

Storing transaction records in storage associated with a host system, the transaction records identifying at least one purchase in relation to a token identifier and a merchant identifier, and the host system associated with the token identifier and the merchant identifier A computer-implemented method of performing a transaction, operable to store a transaction record identifying the at least one purchase in the storage.

15. In clause 14,

The host system is operable to perform the method of any one of clauses 1 to 14, a computer-implemented method of performing a transaction.

16. In any one of clauses 1 to 13,

A computer-implemented method of performing a transaction, performed by at least one of a computer system or a transactional terminal system.

17. In clause 14,

The method of any one of clauses 1 to 13, wherein the method of performing a transaction is performed by at least one of a computer system or a transaction terminal system connected to the host system via a network.

18. A computer program product comprising program instructions for causing at least one processor to perform a method of any one of clauses 1 to 17 above.

19. In clause 18,

A computer program product comprising a non-transitory storage medium containing the instructions.

20. A system comprising at least one processor,

Determine account currency information associated with the user's account to perform a transaction for the user;

Compare the account currency information with reference currency information;

And if the account currency information is different from the reference currency information, configured to initiate a tax refund offering for the user for the transaction.

21. In clause 20,

Determining the account currency information associated with the user's account,

A network-connectable computing device;

And identifying an account currency code associated with at least one of the applications of the network-connectable computing device.

22. In clause 21,

Wherein the network-connectable computing device is a mobile communication device.

23. In clause 22,

Wherein the mobile communication device is a mobile phone.

24. In any one of clauses 21 to 23,

And the reference call information identifies a reference call associated with a location where the network-connectable computing device is connected to a network to perform the transaction.

25. In any of clauses 21 to 24,

Wherein the reference currency information identifies a reference currency associated with the location of the terminal, and the terminal is operable to receive the account currency information from the network accessible computing device.

26. In clause 20,

Determining the account currency information associated with the user's account includes identifying the account currency code contained in the payment device read by the terminal's payment device reader.

27. In clause 26,

And the reference call information identifies a reference call associated with the terminal.

28. In clause 26 or clause 27,

Wherein the payment device is an EMV card, and the payment device reader is at least one of a contact or contactless chip card reader.

29. In any one of clauses 20 to 28,

Initiating a tax refund offering for the user for the transaction,

And outputting an indication to the merchant that the user is eligible for a tax refund offering.

30. In any one of clauses 20 to 29,

Initiating a tax refund offering for the user for the transaction,

An identifier of a token used to refer to user records held in a remote system;

Information representing the identity of the user derived from a passport or other travel document;

Transaction information indicating purchased products or services;

Merchant details for a transactional terminal system; And

And generating a transaction record for a tax refund offering that includes at least one of the categories of goods or services.

31. In clause 30,

The tokens include passport number, passport, identity card number, identity card, driver's license number, driver's license, payment card number, payment card, card refund operator card number, card refund operator card, visitor card number, visitor card, customized System, one of the identifiers.

32. In clause 29 or clause 30,

A system comprising a printer that prints records of tax refund transactions.

33. The provision of any one of clauses 20 to 32,

A host system that stores transaction records in storage associated with a host system, the transaction records identify at least one purchase in relation to a token identifier and a merchant identifier, and the host system is associated with the token identifier and the merchant identifier. And operate to store transaction records identifying the at least one purchase in the storage.

34. In clause 33,

Wherein the host system includes at least one processor.

35. The provision of any one of clauses 20 to 32,

A computer system or transactional terminal system comprising at least one processor.

36. The provision of any one of clauses 20 to 32,

At least one of a computer system or a transactional terminal system includes at least one processor, wherein at least one of the computer system or the transactional terminal system is connected to a host system through a network, and the host system is storage associated with the host system. To store transaction records, wherein the transaction records identify at least one purchase in association with a token identifier and a merchant identifier, and the host system is associated with the token identifier and the merchant identifier in the at least one purchase. And store transaction records identifying the data in the storage.

37. A transaction terminal system comprising a card reader for reading a user's payment card, comprising:

The transaction terminal system includes a magnetic stripe reader, determines whether the magnetic stripe on the card contains a service code number 1 indicating that the card is an EMV card, and the service code number 1 is the card to emv A transaction terminal system, operable to initiate a tax refund offering for the user if not indicating a card.

38. In clause 37,

Wherein the service code number 1 indicates that the card is an EMV card, prompting the user to present the payment card for reading the EMV chip on the card.

39. In clause 38,

A transaction terminal system comprising a card reader that is at least one of a contact or contactless chip card reader.

40. In clause 37 or clause 38,

In response to the user presenting the payment card for reading the EMV chip on the card, the transaction terminal system may:

Determine whether the account currency code contained in the payment card read by at least one of the contact or contactless chip card reader is different from the currency code for the transaction terminal system, and

A transaction terminal system operable to initiate a tax refund offering for the user if the account currency code on the payment card read by the card reader is determined to be different from the currency code for the transaction terminal system.

41.The provision of any one of clauses 37 to 40,

Initiating a tax refund offering for the user,

A transaction terminal system, comprising outputting to the merchant an indication that the user is eligible for a tax refund offering.

42. The clause of any one of clauses 37 to 41,

Initiating a tax refund offering for the user,

An identifier of a token used to refer to user records held in a remote system;

Information representing the identity of the user derived from a passport or other travel document;

Transaction information indicating purchased products or services;

Merchant details for the transaction terminal system; And

And the transaction terminal system generating a transaction record for a tax refund offering that includes at least one of a category of goods or services.

43. In clause 42,

The tokens include passport number, passport, identity card number, identity card, driver's license number, driver's license, payment card number, payment card, card refund operator card number, card refund operator card, visitor card number, visitor card, customized Transaction terminal system, one of the identifiers.

44. In clause 42 or clause 43,

And the transaction terminal system operable to transmit a transaction message containing the transaction record to a remote system over a network.

45. The clause of any of clauses 42 to 44,

The transaction terminal system includes a printer and is operable to print records of tax refund transactions.

46. A system comprising the transaction terminal system and a remote host system of any of clauses 37-45,

The remote host system is associated with storage storing transaction records identifying at least one purchase in relation to a token identifier and a merchant identifier, and the remote host system is associated with the token identifier and the merchant identifier. And responsive to a transaction message containing the transaction record received from the transaction terminal system over the network to store the transaction record identifying the.

47. As a computer-implemented method,

Determining whether the magnetic stripe on the user's payment card read by the magnetic stripe reader of the transaction terminal system includes a service code number 1 indicating that the card is an EMV card; And

And initiating a tax refund offering for the user if the service code number 1 does not indicate that the card is an EMV card.

48. In clause 47,

And if the service code number 1 indicates that the card is an EMV card, prompting the user to present the payment card for reading the EMV chip on the card.

49. In clause 48,

And prompting the user to present the payment card with at least one of a contact or contactless chip card reader for reading the EMV chip on the card.

50. In clause 47 or clause 48,

In response to the user presenting the payment card for reading the EMV chip on the card, the account currency code contained in the payment card read by the card reader of the transaction terminal system differs from the currency code for the transaction terminal system. Determining whether or not the card currency is at least one of a contact or contactless chip card reader, and determining whether the account currency code is different from the currency code for the transaction terminal system; And

And if it is determined that the account currency code contained in the payment card read by the card reader is different from the currency code for the transaction terminal system, initiating a tax refund offering for the user.

51.The provision of any of clauses 47 to 50,

Initiating a tax refund offering for the user,

And outputting to the merchant an indication that the user is eligible for a tax refund offering.

52. The clause of any of clauses 47-51,

Initiating a tax refund offering for the user,

An identifier of a token used to refer to user records held in a remote system;

Information representing the identity of the user derived from a passport or other travel document;

Transaction information indicating purchased products or services;

Merchant details for the transaction terminal system; And

And generating a transaction record for a tax refund offering that includes at least one of the categories of goods or services.

53. In clause 52,

The tokens include passport number, passport, identity card number, identity card, driver's license number, driver's license, payment card number, payment card, card refund operator card number, card refund operator card, visitor card number, visitor card, customized A computer-implemented method that is one of the identifiers.

54. In clause 52 or clause 53,

And sending a transaction message including the transaction record from the transaction terminal system to a remote system over a network.

55. The clause of any of clauses 47 to 54,

And printing a record of a tax refund transaction using a printer associated with the transaction terminal system.

56. The clause of any of clauses 47 to 55,

Storing transaction records in storage associated with a host system, the system comprising the transaction terminal system and a remote host system of any of the preceding terms, wherein the remote host system is a token identifier and a merchant. And storage storing transaction records identifying at least one purchase in association with an identifier, wherein the remote host system stores the transaction record identifying the at least one purchase in relation to the token identifier and the merchant identifier. A computer-implemented method, operative to respond to a transaction message containing the transaction record received from the transaction terminal system over a network.

56. A computer program product comprising program instructions for causing at least one processor to perform the method of any of clauses 47 to 56.

57. In Article 56,

A computer program product comprising a non-transitory storage medium containing the instructions.

Although the above embodiments have been described in detail above, once the disclosure is fully understood, so many variations and modifications will become apparent to those skilled in the art. The following claims are intended to be interpreted to include all such modifications and variations and equivalents thereof.

Claims (36)

A computer-implemented method of performing a transaction,
Determining account currency information associated with the user's payment account to perform a transaction for the user, identifying the account currency code of the payment account contained in the payment device read by the payment device reader of the terminal Determining account currency information associated with the user's payment account;
Comparing the account currency information with a currency code of the terminal representing a local currency; And
If the account currency information is different from the currency code of the terminal indicative of the local currency, automatically, initiating a tax refund offering for the user for the transaction,
Determining the account currency information associated with the user's payment account,
Identifying an account currency code associated with at least one of the network-connectable computing device and the application of the network-connectable computing device,
A computer-implemented method of performing a transaction, wherein the currency code of the terminal representing the local currency identifies a local currency associated with a location where the network accessible computing device is connected to the network to perform the transaction. delete According to claim 1,
The network-connectable computing device is a mobile communication device, a computer-implemented method of performing a transaction. The method of claim 3,
The mobile communication device is a mobile phone, a computer-implemented method of performing a transaction. delete A computer-implemented method of performing a transaction,
Determining account currency information associated with the user's payment account to perform a transaction for the user, identifying the account currency code of the payment account contained in the payment device read by the payment device reader of the terminal Determining account currency information associated with the user's payment account;
Comparing the account currency information with a currency code of the terminal representing a local currency; And
If the account currency information is different from the currency code of the terminal indicative of the local currency, automatically, initiating a tax refund offering for the user for the transaction,
Determining the account currency information associated with the user's payment account,
Identifying an account currency code associated with at least one of the network-connectable computing device and the application of the network-connectable computing device,
The currency code of the terminal indicative of the local currency identifies a reference currency associated with a location of the terminal operable to receive the account currency information from the network-connectable computing device. delete delete According to claim 1,
Wherein the payment device is an EMV card and the payment device reader is at least one of a contact or contactless chip card reader. According to claim 1,
Initiating a tax refund offering for the user for the transaction,
And outputting to the merchant an indication that the user is eligible for a tax refund offering. According to claim 1,
Initiating a tax refund offering for the user for the transaction,
An identifier of a token used to refer to user records held in a remote system;
Information representing the identity of the user derived from a passport or other travel document;
Transaction information indicating purchased products or services;
Merchant details for a transactional terminal system; And
Categories of products or services
And generating a transaction record for a tax refund offering comprising at least one of the following. The method of claim 11,
The tokens include passport number, passport, identity card number, identity card, driver's license number, driver's license, payment card number, payment card, card refund operator card number, card refund operator card, visitor card number, visitor card, customized A computer-implemented method of performing a transaction, one of identifiers. The method of claim 11,
A computer-implemented method of performing a transaction, comprising the steps of causing printing of a record of a tax refund transaction. According to claim 1,
Storing transaction records in storage associated with a host system, the transaction records identifying at least one purchase in relation to a token identifier and a merchant identifier, and the host system associated with the token identifier and the merchant identifier A computer-implemented method of performing a transaction, operable to store a transaction record identifying the at least one purchase in the storage. The method of claim 14,
A computer-implemented method for performing a transaction, the host system is operable to perform a computer-implemented method for performing the transaction. According to claim 1,
A computer-implemented method of performing a transaction, performed by at least one of a computer system or a transactional terminal system. The method of claim 14,
The computer-implemented method for performing the transaction is performed by at least one of a computer system or a transaction terminal system connected to the host system via a network. Program instructions for causing at least one processor to perform a computer-implemented method for performing the transaction according to any one of claims 1, 3, 4, 6 and 9-17. Non-transitory storage medium, comprising: a. A system comprising at least one processor,
Determining the account currency information associated with the user's payment account in order to perform a transaction for the user, wherein determining the account currency information associated with the user's payment account includes the payment device read by the payment device reader of the terminal. Identifying the account currency code of the payment account;
Compare the account currency information to the currency code of the terminal representing the local currency; And
Configured to initiate a tax refund offering for the user for the transaction if the account currency information is different from the currency code of the terminal representing the local currency,
Determining the account currency information associated with the user's payment account,
Identifying an account currency code associated with at least one of the network accessible computing device and the application of the network accessible computing device,
Wherein the terminal's currency code representing the local currency identifies a local currency associated with a location where the network-connectable computing device is connected to the network to perform the transaction. delete The method of claim 19,
Wherein the network-connectable computing device is a mobile communication device. The method of claim 21,
Wherein the mobile communication device is a mobile phone. delete A system comprising at least one processor,
Determining the account currency information associated with the user's payment account in order to perform a transaction for the user, wherein determining the account currency information associated with the user's payment account includes the payment device read by the payment device reader of the terminal. Identifying the account currency code of the payment account;
Compare the account currency information to the currency code of the terminal representing the local currency; And
Configured to initiate a tax refund offering for the user for the transaction if the account currency information is different from the currency code of the terminal representing the local currency,
Determining the account currency information associated with the user's payment account,
Identifying an account currency code associated with at least one of the network accessible computing device and the application of the network accessible computing device,
Wherein the terminal's currency code representing the local currency identifies a reference currency associated with a location of the terminal operable to receive the account currency information from the network accessible computing device. delete delete The method of claim 19,
Wherein the payment device is an EMV card, and the payment device reader is at least one of a contact or contactless chip card reader. The method of any one of claims 19, 21, 22, 24 and 27,
Initiating a tax refund offering for the user for the transaction,
And outputting to the merchant an indication that the user is eligible for a tax refund offering. The method of any one of claims 19, 21, 22, 24 and 27,
Initiating a tax refund offering for the user for the transaction,
An identifier of a token used to refer to user records held in a remote system;
Information representing the identity of the user derived from a passport or other travel document;
Transaction information indicating purchased products or services;
Merchant details for a transactional terminal system; And
Categories of products or services
And generating a transaction record for a tax refund offering that includes at least one of the following. The method of claim 29,
The tokens include passport number, passport, identity card number, identity card, driver's license number, driver's license, payment card number, payment card, card refund operator card number, card refund operator card, visitor card number, visitor card, customized System, one of the identifiers. The method of claim 28,
A system comprising a printer that prints records of tax refund transactions. The method of any one of claims 19, 21, 22, 24 and 27,
And the host system storing transaction records in storage associated with a host system, wherein the transaction records identify at least one purchase in relation to a token identifier and a merchant identifier, and the host system includes the token identifier and the merchant identifier. In relation to storing transaction records identifying the at least one purchase in the storage. The method of claim 32,
And the host system includes the at least one processor. The method of any one of claims 19, 21, 22, 24 and 27,
A computer system or transactional terminal system comprises the at least one processor. The method of any one of claims 19, 21, 22, 24 and 27,
At least one of a computer system or a transactional terminal system includes the at least one processor, and at least one of the computer system or the transactional terminal system is connected to a host system through a network, and the host system is associated with the host system. Operative to store transaction records in storage, the transaction records identify at least one purchase in relation to a token identifier and a merchant identifier, and the host system is configured to include the at least one associated with the token identifier and the merchant identifier. And operate to store transaction records identifying purchases in the storage. delete

Images