KR20140038473A - A system for payment via electronic wallet - Google Patents

Abstract

For an electronic wallet, it includes receiving a request for partial processing of a transaction, optionally the electronic wallet includes a secondary wallet, and the transaction is processed for the wallet and / or the secondary wallet. The method further includes identifying one or more electronic value tokens in the electronic wallet and / or the secondary wallet, which, when used together, will cover a portion of the transaction. The method further includes applying electronic value tokens to part of the transaction.

Description

Electronic payment system {A SYSTEM FOR PAYMENT VIA ELECTRONIC WALLET}

Cross-reference to related application

This application is issued on May 31, 2011, entitled U.S. Provisional Patent Application Nos. 61 / 491,791 and 61 / 491,813, filed under the name "Payment System Through an Electronic Wallet"; On June 13, 2011, it claims a benefit of priority over US provisional patent applications 61 / 496,397 and 61 / 496,404, filed with the invention "Systems, Methods, and Apparatus for Creating and Providing Transaction Credits." Each of which is hereby incorporated by reference in its entirety.

This application also discloses the entirety, subject matter, and US patent application Ser. No. 11 / 007,662 filed December 7, 2004 (current US patent no. 7,280,644); US patent application Ser. No. 13 / 040,074, filed March 3, 2011, "Systems and Methods for Recharging Electronic Prepaid Accounts;" US Patent Application No. 10 / 821,815, filed April 9, 2004, "System and Method for Providing Personal Identification Numbers Through a Computer Network"; US patent application Ser. No. 12 / 786,403, filed May 24, 2010, "System and Method for Providing Personal Identification Numbers Through a Computer Network"; US patent application Ser. No. 12 / 711,211, filed Feb. 23, 2010, entitled "System and Method for Providing Personal Identification Numbers Through a Computer Network"; And US Patent Application No. 11 / 851,337, filed Sep. 6, 2007, filed on March 8, 2010, entitled "System and Method for Supplying and Delivering Personal Identification Numbers." Continuing application of U.S. Patent No. 7,477,731, Continuing Application of U.S. Patent Application No. 12 / 338,854, filed December 18, 2008, August 7, 2009 "Transaction processing platform to facilitate the electronic supply of multiple prepaid services. The concepts of US patent application Ser. No. 12 / 538,083, filed as ", are incorporated by reference.

BACKGROUND OF THE INVENTION

The current electronic trading market is filled with many types of credit cards, debit cards, value cards and loyalty cards, all of which may be presented by various issuers, vendors and suppliers. Some of the cards are repaid from retailers, while others are repaid by financial institutions. Other cards have promotions attached to them, eg loyalty cards. However, as the volume and complexity of the cards increase, the composition and redemption becomes increasingly difficult and, as a result, potentially hinders the growth of the market. For example, because you have too many value cards, you may not know or remember if you have a value card for that store while making a purchase at a particular store. In addition, the user may not understand the various types of promotions available to him by using the card with the loyalty card, and may not benefit from the promotions applicable to the user's purchase as such. Historically, cards have been implemented in tangible media such as plastics and are therefore vulnerable to loss, theft or simply to stay home when needed. As the card-based transaction proposals offered to consumers continue to grow, many consumers organize and maintain all of their credit, debit, value built-in, royalty, and other types of merchants, vendors, and vendor-issued cards. You face the burden of managing, tracking, shipping, and storing. What consumers need today is how to access and use their card-related assets more efficiently, safely and effectively.

Summary of the Invention

Computer-implemented methods and systems are disclosed herein, and in one embodiment, include electronics, including the ability to add / repay value tokens to / from an electronic wallet or portion thereof (eg, a secondary wallet), and the like. Describes a computer-implemented method and system for wallet implementation. In one embodiment, the method includes receiving a request to process all or part of a payment transaction for an electronic wallet or a secondary wallet. The method further includes identifying one or more value tokens in the wallet or secondary wallet, which, when used together, will cover all or part of the payment transaction. The method further includes applying the electronic value tokens to all or part of the payment transaction.

In another embodiment, the non-transitory machine readable storage device includes executable instructions that, when executed, cause the one or more processors to receive a request to process a portion of a payment transaction for the electronic secondary wallet, the electronic The wallet includes a secondary wallet and payment transactions are processed for the wallet. The processor is a further cause for identifying one or more value tokens in the secondary wallet that, when used together, will cover a portion of the payment transaction. The processors are a further cause for applying the electronic value tokens to part of a payment transaction.

In another embodiment, a system includes one or more processors and a memory coupled to the one or more processors. The memory includes executable instructions that, when executed, cause the one or more processors to receive a request to process a portion of a payment transaction for an electronic secondary wallet, the electronic wallet including the secondary wallet, and the payment transaction Is processed for the wallet. The one or more processors are an additional cause for identifying one or more value tokens in a secondary wallet that, when used together, will cover a portion of a payment transaction. The one or more processors are a further cause for applying electronic value tokens to part of a payment transaction.

In one embodiment, the electronic value token trading computer includes a store interface and an alignment unit, and the datastore coupled to the stored card trading computer includes an electronic wallet unit. The store interface receives the requests, and the sorting unit identifies one of the requests as an electronic wallet request containing authentication information. The electronic value token transaction computer accesses the electronic wallet through the electronic wallet unit associated with the authentication information. The electronic value token trading computer examines the rules associated with the electronic wallet and selects value tokens in the electronic wallet based on the rules that, when used together, will cover a portion of a payment transaction. The electronic value token trading computer applies the electronic value tokens to the electronic wallet request.

Brief description of the drawings
1A, 2A, 2B, and 2C are schematic diagrams of an electronic value token transaction processing system according to at least one embodiment.
1B shows an exemplary embodiment of an electronic wallet.
3A, 3B, and 3C are front perspective views of representative individual proxy cards, in accordance with at least one embodiment.
3D is a front perspective view of an exemplary personal digital device according to at least one embodiment.
4A is a flowchart illustrating an example process utilized by an electronic value token trading computer to create an electronic wallet, or to add / repay value tokens to / from an electronic wallet, in accordance with at least one embodiment.
4B is a flowchart illustrating an example process utilized by an electronic value token trading computer to create an electronic secondary wallet or to add / repay value tokens to / from an electronic secondary wallet, in accordance with at least one embodiment.
5 illustrates a specific machine suitable for implementing various embodiments of the present invention.
6A-D illustrate a series of user interface screens and prompts in accordance with at least one embodiment.

DETAILED DESCRIPTION OF THE INVENTION

Disclosed herein is an efficient, secure, and effective way to configure, maintain, deliver, store, and use all types of assets related to credit, debit, royalty, and value-incorporated type cards. "e-wallet"). As shown in FIG. 1B, an electronic wallet may be configured to separately manage authentication information, usage rules, secondary wallets (e.g., credit card related information, debit card related information, and intrinsic card-related information), and electronic value tokens ( E.g., an electronic representation of money and / or other values associated with credit card-related information, debit card-related information, and value-containing card-related information contained within the electronic wallet / secondary wallet. The data file to be maintained. In particular embodiments, as reflected in FIGS. 6A-D, a user may create an electronic wallet, establish rules for the electronic wallet, prepare the electronic wallet, and access the electronic wallet to enable electronic transactions. It may be.

As also disclosed herein, as shown in FIGS. 1A, 2A-B, and 4A-B, the electronic value token transaction processing system may provide users, merchants, vendors, issuers, suppliers, and other interested parties. Provide an efficient, secure and effective system for configuring, managing, shipping, storing and using the above mentioned electronic wallets and electronic value tokens in financial transactions.

As will be described in more detail herein, there are certain basic concepts and functions employed by electronic wallets and systems in which the electronic wallet is available. These concepts include creating an electronic wallet, preparing the electronic wallet (e.g. converting cards of type into electronic value tokens and associating the electronic value tokens with the electronic wallet or requesting that the electronic value tokens be associated with the electronic wallet), Access to the electronic wallet and establishing rules for using the electronic wallet.

Moreover, as will be described in more detail herein, the electronic wallet may store the entire contents of the electronic wallet (eg, the primary electronic wallet, any secondary wallets or secondary wallets, and associated electronic value tokens therein). It can also be used in a supplier-managed system. Alternatively, the wallet may be used in a system, where only a portion of the contents of the wallet (eg, primary wallet and electronic value tokens therein) are managed by the wallet vendor, and one or more (or all) Managing secondary wallets or secondary wallets is delegated to a third-party electronic value token transaction processing system.

As will be further described herein, in either of the two management systems described above, the system user fully manages the functions of the user's electronic wallet; Participate in value-added / bonus programs offered by issuers, vendors, and / or other electronic value token-related parties; Participate in card exchange activities (eg, a user exchanging an electronic value token held in its electronic wallet with an electronic value token not in the electronic wallet); It may be a configuration capable of participating in save programs offered by issuers, vendors, and / or other electronic value token-related parties.

1A illustrates an example electronic value token transaction processing system 100. Specifically, FIG. 1A illustrates an electronic value token trading computer in a structure that communicates with store devices 111, one or more authorization systems 160 (eg, retailer, bank, and credit card), and datastore 180. 150 is shown. Moreover, FIG. 1A illustrates that the store devices 111 communicate with a proxy card 200 (which will be shown below to illustrate one embodiment of a means for a user to access an electronic wallet), and the datastore ( 180 illustrates an electronic wallet unit 199 containing electronic wallets 10 in sequence.

1B illustrates an electronic wallet 10 according to one embodiment, the details of which are described in any of the various embodiments disclosed herein (eg, FIGS. 1A, 2A, and 2B). Electronic wallet 10, etc.), the management of the electronic wallet 10 may be performed entirely by one electronic wallet system (e.g., electronic value token transaction processing system 100), or a plurality of It should be understood that it may be provided across electronic wallet systems (eg, electronic value token transaction processing systems 1100 and 1200 and electronic wallet integrator system 1000). Specifically, FIG. 1B illustrates authentication information 801, rules 802, electronic value tokens 804, secondary wallet 807 for credit card electronic value token, secondary wallet (rules 817 and electronic value token). 827), secondary wallet 808 for debit card electronic value tokens (corresponding to rules 818 and electronic value tokens 828), and secondary wallet 809 for embedded card electronic value tokens. An electronic wallet 10 is described that includes (corresponding to rules 819 and electronic value tokens 829). 1A and 1B may be further understood through the following discussion.

To eliminate the increasingly complexities of configuration, delivery, security and redemption, transaction cards are stored electronically as value tokens in electronic wallets. As used herein, a value token refers to an electronic identifier that can be used to make a transaction with a party that is willing to accept an electronic value token, such as in a purchase bid. Examples of such value tokens include electronic representations of value embedded cards (also called prepaid cards) or their associated electronic representations, such as credit cards, debit cards, gift cards, prepaid phone cards, loyalty cards, membership cards, tickets or There are a variety of other physical value representations such as ticket cards, entertainment cards, sports cards, prepaid cards, coupons, tickets, prepaid or pre-purchased goods or services, and the like. In one embodiment, the value token includes cash or money. In one embodiment, the electronic value token comprises a credit or debit card or account. In one embodiment, the value tokens include existing accounts, such as merchant accounts, bank accounts, and the like. In one embodiment, the value token includes the credit, point, coupon or promotional value issued and / or accepted by the merchant. In one embodiment, the value token is associated with a prepaid card or account and it should be understood that various embodiments described herein may be realized by a prepaid card or account, such as a merchant gift card, unless otherwise indicated.

Physical credit cards, debit cards, embedded cards, or other physical value representations may be converted to value tokens and added to the electronic wallet. For example, it may be possible to convert physical gift cards or other physical value representations into value tokens in a user's electronic wallet through store devices, mobile phones, computers, short text services ("SMS"), and the like. Once so converted, the electronic value token may be redeemed by the user after authentication without having a physical representation, such as a gift card, by accessing the user's electronic wallet during purchase. In this way, the use of the term value token herein refers to electronic representations and physical representations that can be converted into electronic representations. In at least one embodiment, the physical gift card is inoperable after conversion. In another embodiment, the physical gift card is inoperable after redeeming the electronic value token using the electronic wallet or the physical gift card.

The use of value tokens by consumers generally involves the seller, redeemer or retailer, and the issuer. In various embodiments, the vendor, redemption merchant, and issuer may be the same person, others, or stakeholders. A store that purchases value tokens or otherwise makes them available for purchase into an electronic wallet may be called a vendor. Thus, the vendor sells the electronic value tokens themselves even though the electronic value tokens may be redeemed at another business place. An entity that wants to receive value tokens for purposes such as business transactions, such as purchase bids, may be referred to as redeemer or retailer. For example, a vegetable store might sell electronic value tokens from a clothing store. The vegetable store is a vendor and the clothing store is a redeemer or retailer. An issuer may be called an entity that provides financial support and / or payment processing for a given value token, such as a prepaid card or account. The issuer includes a direct issuer of the value token, such as a valued branded store token (e.g., a store-branded prepaid card or token, sometimes called a closed loop prepaid card), and in some embodiments The seller may be the issuer and / or the reimbursement merchant (eg, a prepaid card or token issued, sold, or redeemed by the same merchant). Issuers may include financial institutions such as banks, VISA, MasterCard, American Express, etc., and value tokens issued by such institutions are easily accepted by numerous repayment merchants to purchase (and be repaid from many other merchants). May sometimes be referred to as open loop prepaid cards or tokens). Publishers may also be suppliers of branded electronic wallets, such as Google, Facebook, Twitter, and the like, and in some embodiments such branded wallet may be the publisher (eg, Google "cash" or credit, paypal currency). , A secondary wallet containing a gift card-related value token, a secondary wallet containing a credit card-related value token, and a secondary wallet containing a debit card-related value token. Or combinations thereof, or may be linked.

In general, the electronic value token trading computer 150 deposits or withdraws (or takes other measures of the type described herein) associated with electronic value tokens contained in an electronic wallet or secondary wallet. The electronic value token trading computer 150 may generate or deliver a message to the authorization systems 160 so that the authorization systems 160 deposit or withdraw an account associated with the electronic value tokens (or the kind described herein). Take other action). A confirmation message is returned to the electronic value token transaction computer 150 and the POS device 111, and the electronic wallet 10 or the secondary wallet is updated as necessary.

In at least one embodiment, transaction information is distinct from authentication information. For example, information about a purchase item, purchase price, purchase location, etc. is considered transactional information and is distinct from authentication information such as authentication tokens, PINs, account numbers, and the like. Among other things, the division of information enables individual processing and routing and further expands efficiency and privacy. For example, in applying the electronic value tokens in accordance with a configuration rule, the priority may include transaction information variables, such as the physical location of the retailer sending the electronic wallet request in various embodiments; Transaction amount; Type of retailer; Time of day; Day of week; Week of month; Month of year; Department of retailer sending the electronic wallet request; Lane of retailer sending electronic wallet request; Identification of the inspector; The parent company of the retailer sending the electronic wallet request; The value of the value tokens; And the type of electronic wallet request. The transaction and / or authentication information may be used by the systems described herein along with rule-based decision making (eg, validating and applying promotions associated with a transaction by checking the transaction data) for security purposes, and the like. (Eg check the transaction data against a predefined profile to assist fraud detection).

In at least one embodiment, the wallet supplier sees work on behalf of the buyer and the redemption of the electronic value token occurs after the purchase. However, this discrepancy creates a discrepancy in the retailer's record. Specifically, the retailer records a transaction between the retailer and the wallet supplier. The retailer records future repayments via value tokens, perhaps not to buy. In these examples, a third party manager is required to associate the repayment with the transaction.

There may be several ways to prepare or add value tokens to an electronic wallet. For example, a user may pay a value token to a merchant and the seller may insert the electronic value token into the user's wallet. Alternatively, the user may obtain a physical representation of the electronic value token from the vendor (eg, card, slip, printed receipt, etc.) and then retrieve the value into the electronic wallet (eg, telephone or internet access). By the user interface). The user may also select a number of various retailers associated with the seller. That is, a given seller may present a plurality of tokens associated with various retailers. For example, a retailer may compete for the user's business when presenting a promotion to purchase a value token, such as a prepaid account.

Each retailer may require a specific format for value tokens. For example, a retailer may require a four-digit month / year expiry date in addition to a 16-digit card number. Other retailers may require pin numbers, access numbers, card authentication value numbers, card security password numbers, and the like. Each piece of information for different retailers may have a different name as well as a different format. Thus, if an electronic wallet supplier or owner (e.g., a primary electronic wallet supplier) has an electronic representation of value tokens in various formats, including value embedded cards, credit cards, debit cards, royalty and promotional cards, and other value token subgroups Will benefit from allowing third parties to manage their products, which will be more expensive if managed by the primary wallet provider.

In one embodiment, value tokens associated with prepaid cards or accounts may be linked to a secondary wallet (eg, primary, branded electronic wallet, such as a secondary wallet of a Google electronic wallet) in the electronic wallet, The secondary wallet may be managed on behalf of the primary / primary wallet owner or supplier. For example, during a transaction involving value tokens (e.g. electronic or virtual value embedded cards) associated with prepaid cards or accounts, the electronic wallet supplier may have a secondary wallet linked to the value tokens to control part of the transaction. This is sometimes called a secondary transaction. In one embodiment, the secondary transaction includes an electronic prepaid card or account related transaction, such as redemption, value added (eg, supplement), activation, closure, fraud detection, and the like. Specifically, the third party manager manages the transaction quickly and inexpensively, including but not limited to providing and / or determining the appropriate format for the secondary transaction, and furthermore, with the primary electronic wallet owner or supplier. The secondary transaction may be executed cooperatively and / or independently. Such formats may include information / data (eg types of card numbers, secure passwords, etc.) associated with or associated with a given value token, and / or specific transaction-related information or data formats (eg, messaging fields or received during processing of a transaction). Other data formats for sending / receiving may be related to the nature of the data, configuration, packaging, etc., such as card type, transaction type, secure password, etc. For example, the third party management may deliver the appropriate transaction format template to the primary wallet supplier. In at least one embodiment, the third party administrator determines the identity of the retailer associated with the transaction from the request, or from the user's request. Advantageously, said third party manager maintains a database of a plurality of transaction formats associated with a plurality of retailers. After determining the retailer identity associated with the transaction, the third party manager uses the format database to identify the relevant transaction format for the identified retailer, and uses all subsequent format using the transaction format and vocabulary specific to the retailer. Processing is performed. In one embodiment, a user may wish to add a value token to an electronic wallet using a physical value embedded card. The user is asked to identify a retailer connected to a value embedded card (in one embodiment, including a store associated with a personal computer, such as online shopping through a website), for example, via a user interface located at the store. In another embodiment, a user provides information associated with a value storage token via a web based or personal digital assistant interface (eg, a mobile phone application). Thus, the appropriate format may be referenced from the database based on the data provided by the user, and the user may view a pictorial representation or other model representation of a physical value embedded card with specific input information highlighted in the model. As such, the user knows exactly what input is needed to add an electronic value token to the electronic wallet. User input information derived from the model may be in an appropriate format and / or may be further modified and packaged by the third party administrator to meet the requirements for additional formats. The example described is simple, but more complex transactions are possible. As will be described more fully herein, (i) transactions involving the use of value tokens in primary and / or secondary wallets for some of the transactions may include (ii) converting value tokens in primary and / or secondary wallets into other types of value tokens. Or exchange for value tokens associated with retailers. For example, a user may wish to exchange a value token associated with a retailer with which the user frequently trades for a value token associated with a retailer with which the user frequently trades. Furthermore, the third party manager may use the financial format of the transaction or secondary transaction (eg, withdraw and deposit a prepaid account) in a transaction format associated with the identified retailer. In this case, using the appropriate transaction format is not only convenient, but also often necessary.

As indicated above, an electronic secondary wallet is a particularly limited portion of an electronic wallet that is in or associated with a particular electronic wallet (eg, primary or primary wallet). The secondary wallet may be maintained / managed by an administrator, processor, and / or vendor of the primary or primary electronic wallet, or may be managed by another side, system, processor, subroutine, or server. By separately managing the electronic secondary wallet, the primary electronic wallet supplier and the user can benefit from economies of scale. For example, all electronic value tokens may be stored in one secondary wallet, while credit and debit cards are stored in the primary electronic wallet or in a separate electronic secondary wallet. Thus, while a supplier of the primary electronic wallet may manage / perform transactions related to value tokens associated with credit and debit cards in the primary electronic wallet, a third party may be associated with electronic value tokens in the electronic secondary wallet. Manage / perform transactions and free the third party from expensive banking and credit regulation. Moreover, third-party managers can use economies of scale to pay for their services through arbitrage, commissions, and pay per transaction.

By separately managing the secondary wallet, the third party administrator (eg, administrator of the electronic secondary wallet associated with the electronic prepaid account) provides convenience to both the user and the primary electronic wallet supplier. Occasionally the third party manager is the only entity with knowledge and expertise (eg, a database of required transaction formats) to handle financial coordination or other transactions associated with electronic prepaid accounts associated with a given issuer. For example, a third party manager may be the only entity that can match a specific transaction on a retailer's book to the specific use of a value token or electronic wallet. As described in more detail herein, one or more electronic secondary wallets (e.g., closed loop accounts issued on behalf of one or more merchants) may be linked to electronic prepaid accounts, for example, for primary owners or suppliers of electronic wallets, such as branded electronic wallets. In the context of managing an electronic secondary wallet), in some embodiments, the third party administrator is responsible for implementing, implementing, and / or responsible for all or part of the functionality described above in conjunction with the electronic value token trading computer 150.

Access to the electronic wallet may be gated or protected by an authentication token or other means for securely accessing the electronic wallet, such as a personal digital assistant or mobile device such as a proxy card or a smartphone. Other embodiments for accessing the electronic wallet include non-card access such as number / password combinations, passwordless numbers, and the like. Biometric information may also be used for authentication and access purposes, such as fingerprint or iris output. Near field communication techniques may also be used to implement authentication tokens. Near field communication technology may be implemented in physical stores or in conjunction with online transactions. In any situation, near field communication technology may be implemented by the user through a proxy card (eg, 200, 201, or 203), personal computer, personal digital assistant, smartphone 204, or other online transaction-related device. have. Thus, the authentication token may be tangible, intangible, or a combination thereof. In one embodiment, the authentication token may be created, created, and / or formed at the start of the electronic transaction to uniquely identify the electronic transaction. In one embodiment, the uniquely generated authentication token comprises an element of an electronic wallet identifier, a merchant identifier, a store identifier, an electronic value token identifier, an electronic value token issuer identifier, an electronic value token transaction processor identifier, or a combination thereof. You may. In another embodiment, the uniquely generated authentication token is completely unique and may not include any part of the previous identifier.

Examples of proxy cards are shown in FIGS. 3A, 3B, and 3C. 3A shows a proxy card 200 in which authentication information 211 is encoded on the card 200 by a barcode readable by an optical scanner. 3B shows a proxy card 201 in which the authentication information 211 is encoded in a magnetic strip in the card 201. 3B illustrates a proxy card 203 in which the authentication information 211 is encoded in a near field communication chip on the card 201. In some embodiments, the proxy card may have one magnetic stripe and a barcode (or a plurality of magnetic stripe and / or barcodes), and one or more of them may include the authentication information 211. The proxy cards 200, 201, 203 are made of a suitable primary material such as plastic, paper, plastic coated paper, laminate, combinations thereof, or the like. The proxy cards 200, 201, 203 are generally made in the range of about 0.005 to about 0.040 inches thick. The proxy cards 200, 201, and 203 each have authentication information 211 corresponding to an electronic wallet, such as account number, serial number, authorization code, digital signature, electronic key or key code, RFID chip / data, respectively. Hold. The proxy card authentication information 211 is unique to the proxy card and associates the proxy card with an electronic wallet, and in one embodiment the association is stored in a database accessible by the electronic wallet manager. The authentication information 211 includes a barcode on the proxy card 200 as shown in FIG. 3A, a magnetic strip on the proxy card 201 as shown in FIG. 3B, and a proxy card 203 as shown in FIG. 3C. It may be encoded in a near field communication chip, a series of numbers, a series of characters, or a combination thereof. The proxy cards 200, 201, 203 may also be input in the course of a transaction organized into a personal identification number or pin, corresponding to the authentication information 211 and allowing access and / or use of the electronic wallet. . In one embodiment, the PIN may be encoded in a barcode, magnetic stripe, a series of numbers, a series of characters, or a combination thereof. In one embodiment, the PIN may package, hide, and hide material such as a scraping strip, a peeling label, or a combination thereof. In some embodiments, the proxy card is a card security password (CSC), card authentication value (CVV or CV2), card authentication value code (CVVC), card authentication code (CVC), authentication code (V-code or V code) , Card code verification (CCV), credit card ID (CCID), or a combination thereof, or the codes may be used in an authorization or authentication transaction (along with any other authentication data or tokens described herein). , For example, with an electronic wallet payment for a purchase transaction in a store.

3B shows a proxy card 201 in which the authentication information 211 is encoded in a magnetic strip on the card 201. The magnetic stripe can be made from a conventional structure, such as deposited from a slurry, located on the card 201, and scanned on a magnetic stripe reading device, such as Verizon's Trans Terminal. For additional security, the authentication information 211 may also implement an encryption algorithm before encoding the magnetic stripe.

In at least one embodiment, the proxy card 200 includes a barcode, such as a UPC code (e.g. GS1-128 or UCC / EAN-128), located on the proxy card 201, thereby reading a known barcode. Can be scanned by the device. Encoded in a barcode on the proxy card is a representation of the authentication information 211.

In other embodiments, a device having a structure for interpreting a series of figures corresponding to a human or package identifier by placing a series of numbers, a series of letters, or a combination thereof on the proxy cards 200 and 201, That is, it can also be read or interpreted by the optical character recognition device. As described herein, any suitable authentication token, such as virtual or non-card authentication tokens, a cell phone, or the like, may be used in the various embodiments described herein.

In another embodiment, for example, a proxy card 203, a near field communication technology, a radio frequency identification (RFID) tag, a microprocessor, and / or a microchip is placed on the proxy card and interpreted by devices of a particular structure. You may. The RFID tag, microprocessor, and / or microchip may be added to, or used in place of, the barcode 255 on the proxy card 200 and the magnetic strip 256 on the proxy card 201, or these or the proxy card. It can also be used in combination with other means for encoding authentication information on a computer. Alternatively, the RFID or other means, such as near field, Bluetooth, etc., may be used by a user operating device (eg, personal digital assistant, such as a smartphone) to provide electronic wallet access and / or authorization. . In one embodiment, the authentication token is associated with a personal digital assistant, such as a smartphone 204, as shown in FIG. 3D. For example, an electronic wallet stored and / or accessed via a phone may include an authentication token, or hardware and / or unique electronic data (eg, authentication data such as serial, for example), in which the phone itself serves as an authentication token. Number, MAC address, SIM card, digital signature, electronic key, user ID, phone number, password, etc.). The telephone may use near field communication to communicate data associated with the store device and the authentication token for authentication and transaction purposes. For example, the phone may be delivered near the store device and transmit user and / or wallet information and authentication information to the store device using a near field communication protocol. The phone may send all or a portion of the wallet and / or authentication information, leaving the store device to determine which part is applicable to the current transaction, or the phone is only currently applicable of the information. Only parts, i.e., information to be used during the current transaction, may be transmitted to the store apparatus. That is, logic for passing wallet and / or authentication information to / from an authentication token (eg, a phone) and a store device may reside in the authentication device, the store device, or both. In one embodiment, the phone provides hardware and / or software for authenticating the user, for example a camera or scanner and related applications for checking user-related biometric information, upon which the phone sends a successful authentication to the store device. will be. The store apparatus may be in communication with the wallet owner or supplier (eg, primary electronic wallet owner) and any secondary wallet owner or suppliers, eg third party manager. In another example, the store device may be in communication with the wallet owner or supplier (eg, primary electronic wallet owner), and the wallet owner or supplier may be in communication with a third party manager, such as a secondary wallet owner or manager. . Despite the plurality of configurations that enable communication, because the parties use an extensible structure, transactions may occur in real time without delay to the customer.

In one embodiment, the authentication device is a proxy card. Although proxy cards are not physical cards, they are similar in appearance to credit cards, debit cards, and / or value-embedded cards, which help consumers adopt and access electronic wallets. Because I know. Thus, in spite of the physical representation, there may come a day when consumers think of the proxy card as being rolled up into multiple cards or simply as a proxy card as the electronic wallet itself. Authentication tokens may be associated with and / or form a type or intangible embodiment of a mobile device, personal identification number, phone number plus personal identification number, password, username plus password, biometric identifier name, and the like. It may be. Authentication tokens include, provide, and / or are associated with authentication information (eg, electronic authentication data or information) that associates a user with an electronic wallet. Thus, the plurality of value tokens included in the electronic wallet (or its secondary wallet) is associated with the user.

Returning to FIG. 1A, the electronic value token trading computer 150 accesses the electronic wallet 10 from the datastore 180. The prepaid or value embedded card electronic value token may include electronic representations of gift cards, loyalty cards, promotions, and the like. The POS device 111 obtains authentication information from an electronic wallet user through an authentication token such as a smartphone or a proxy card 200, and the electronic value token transaction computer along with purchase information and / or value token information as part of a transaction request. Send authentication information (and in some examples, rules for allocating the contents of the electronic wallet for the requested transaction) to 150. The electronic value token trading computer 150 uses the authentication information to locate the correct electronic wallet 10 or secondary wallet in the datastore 180 and operate on the electronic value token (eg, primary wallet or secondary wallet). Adding value tokens, activating value tokens, withdrawing value tokens, top-off value tokens, checking balance of value tokens, etc. Rule 1100, 1200, or a combination thereof) received by the request associated with the electronic wallet. For example, in a purchase transaction, the electronic value token trading computer 150 may cover the purchase in accordance with rules, e.g., an order relating to priorities or rules governing the purchase price by applying or redeeming value tokens. Select the token.

2A and 2B, the electronic value token trading computer 150 includes a rule unit 159. The rule unit 159 is provided, selected, and / or required by an electronic wallet user, an electronic wallet supplier, merchants that accept electronic wallets, electronic value token issuers, electronic wallet transaction system administrators, and combinations thereof. Process, manage, link, and implement functionality for electronic wallet (and secondary wallet) rules such as: The rule unit 159 may function to link the provided, selected, and / or required rules with the electronic wallet and secondary wallet maintained in the database 180 and / or electronic wallet unit 199. The rule unit 159 may include a rule engine for deriving rules in which any particular rule provided or selected by any other rule assignment entity should be applied to the transaction in the absence (or on behalf of). The rule unit 159 includes (i) an electronic wallet user input (eg, kiosk, smartphone, personal digital assistant, and internet accessible user interface); Electronic wallet supplier input; (iii) input of an electronic wallet system administrator; (iv) or electronic wallet / secondary wallet rule data that may be populated through any combination thereof. For example, an e-wallet user may, through kiosk 189 interfacing, develop specific and custom rules detailing how e-value tokens contained in the e-wallet should be prioritized for use in satisfying transactions. May be provided to the electronic value token trading computer 150. Alternatively, the same wallet user can simply select the type of rule applicable to the wallet from the list of options provided by the kiosk 189 display. Further, for example, in terms of save, there may be examples where certain laws, regulations, and / or policies require an electronic wallet to limit the selected transactions per period to a given number (e.g., transfer from a save-only electronic wallet). .

In one embodiment, the rules may be generated and configured by a user as a flow chart for selecting a value token based on purchase information. For example, the rule includes selecting a closed loop related (X brand store) value token for any amount of X Store purchases, and for any remaining purchase balances, opening the open loop related (credit card Y) value tokens. You can also choose to fund the remaining balance. Alternatively, the user should not use the open loop related electronic value tokens to satisfy the balance for purchasing closed loop related electronic value tokens, but rather use the debit card related electronic value tokens in the electronic wallet to meet the balance instead. You can call it a rule. As such, a user may access or apply multiple value tokens with the efficiency of using one authentication token (eg, one proxy card or smartphone). For example, a user may always use two electronic credit cards in an electronic gift card, electronic coupon, electronic wallet, or secondary wallet every time it takes to use only one physical card, such as a prepaid card, a debit card, or a credit card. . Users, retailers, publishers, sellers, merchants, advertisers, and other parties save time, providing easy access to multiple sources of value (e.g., multiple accounts associated with multiple value tokens), promotional opportunities, You'll enjoy transaction tracking, data mining of customer buying behavior, promotions and advertising effectiveness, real-time / point of product selection or purchase promotion opportunities.

In another embodiment, rules may be set by the electronic wallet system provider (eg, primary and / or secondary electronic wallet supplier or owner). If no user setting rules are available (or if the rules of the system precede a specified transactional activity according to the terms of the user's electronic wallet use agreement), the electronic wallet system supplier may enact rules regarding electronic wallet allocation. For example, the electronic wallet system may induce the electronic value token transaction computer 150 to direct the user when the transaction takes into account, relations, or involvement with the stakeholder and / or contract-relevant entity of the electronic wallet system supplier. An electronic wallet system supplier's own brand electronic value token in the electronic wallet of may be applied to appropriately set rules to satisfy the requested transaction. As such, rules of this type may enable maximizing revenue or other business objectives based on the use of synergies different from the e-wallet system for the e-wallet system supplier and its associates and / or contract-relevant entities. Can be.

In another embodiment, the rules of the electronic wallet may be made to automatically derive electronic value token exchange activity (electronic value token exchange will be discussed in more detail herein). For example, the wallet user manages the wallet (eg, as described in more detail herein with respect to FIGS. 6A-6D), whereby the user may optionally set up a retail transaction, eg, retailer Q. When the electronic wallet does not include a retailer Q brand electronic value token, the electronic wallet automatically, in real time, the electronic wallet is electronic value to the electronic value token trading computer 150 You will begin the electronic value token exchange process of communicating token exchange requests. Additionally or alternatively, the user may be provided in real time with a promotion to obtain a value token specific to the retailer (e.g., providing the store's brand value token, such as a credit account in real time). In this example, the electronic wallet user manages the electronic wallet so that all electronic value tokens (gift card type electronic value tokens) associated with the prepaid service are located in the designated secondary wallet, and each of the electronic value tokens is a priority system. Through, for example, most preferably from electronic value token or token type (e.g. # 1) to least preferred, electronic value token or token type (e.g. # 22, 22 types of electronic value tokens in secondary wallets) May be positioned / placed / designated within the secondary wallet. For example, the electronic value token of the retailer M brand may be designated as the most preferred and the electronic value token of the retailer L brand may be designated as the least preferred. Also in the above example, the electronic wallet is provided with an electronic wallet such that the electronic wallet completes a transaction at a retailer that does not contain a retailer's electronic value token at all (the electronic wallet is the device at the start of the original transaction. A rule by the user is also provided, which indicates an electronic wallet, based on the information exchanged between the electronic wallet and the contact device of the retailer, for example in the retailer Q scenario described above. Instruct the electronic wallet to initiate an electronic value token exchange request, and the least preferred electronic value token in the electronic wallet, such as retailer L brand, in an amount sufficient to satisfy the original transaction volume for the retailer Q electronic value token. Electronic Value Token (# 22), if necessary the most preferred Electronic Value Token # 21, # 20, etc., in the request. The electronic value token trading computer 150 communicates with the electronic value token exchange program 2000 (which is part of the electronic value token trading processing system 100, 1100, or 1200) in response to the electronic value token exchange request to request the electronic value token exchange. Perform a value token exchange. The requested electronic value token exchange is performed, and the electronic wallet receives the requested retailer Q brand electronic value token, which is used simultaneously to conduct the first transaction, and the electronic wallet recalls the retailer L brand electronic value token. The electronic value token trading computer 150 is handed over (or made unavailable for use and made available only for modification purposes), in which case it is in fact exceeded the requested retailer Q brand electronic value token. As such, the electronic value token trading computer 150 modifies the value of the retailer L brand electronic value token (internally via communication with the retailer L brand's issuance system), thereby providing the retailer Q Reflects the brand electronic value token based value reduction, extracts the exchange rate for the exchange of retailer Q brand electronic value tokens to retailer L brand electronic value tokens (as discussed more fully here), and all stakeholders Communicate the transaction information and return (or re-use) the value-modifying retailer L brand value token to the user's electronic wallet. In another embodiment, the electronic value token exchange rule of the electronic wallet checks the electronic value token transaction computer 150 for the highest exchange rate of the electronic value token in the electronic wallet, rather than the rank of the electronic value token. It offers exchange based on the best exchange rate.

2A illustrates an example electronic value token transaction processing system 100 according to one embodiment. As can be seen, the electronic value token transaction processing system comprises: (a) one or more store apparatus 111; (b) an electronic wallet processing system, eg, electronic value token trading computer 150; (c) a datastore 180 comprising an electronic wallet unit 199 that stores electronic value tokens, such as 804, 827, 828, and 829, such as account number, electronic wallet account information, value-added payment terms, where "Value added payment" is synonymous with "value added bonus," "value added bonus payment," "value added payment bonus," and "value differentiation"), and other information about adding, redeeming, and managing the electronic value token; (d) the authorization system 160 of one or more individual issuers; And (e) any other unit included in the system by the electronic value token trading computer manager 151. In one embodiment, the electronic value token trading computer 150 includes a value added determination unit 153, a store (“POS”) interface 152, a message modification unit 154, a mediation unit 155, a publisher system interface. 156, an applying unit 157, and an alignment unit 198. In one embodiment, the electronic value token trading computer 150 (or a unit thereof, such as the alignment unit 189) further includes a token exchange interface in communication with the electronic value token exchange program 2000. The POS interface 152 is a means by which the electronic value token trading computer 150 communicates with the store apparatus 111 via, for example, the Internet, a public switched telephone network (“PSTN”), or an independent dedicated network. To provide. Similarly, the electronic value token trading computer 150 is authorized by the issuer through the issuer system interface 156, eg, via the Internet, a public switched telephone network (“PSTN”), or an independent dedicated network. It may be in communication with the system 160. Communications 106, 107 between the POS interface 152 and the store apparatus 111 and communications 109, 110 between the publisher system interface 156 and the publisher's authorization systems 160. ) May be encrypted for security addition and / or may use a virtual private network ("VPN"). The alignment unit 198 may classify the communications into various types to route in various ways. For example, the sorting unit 198 may provide electronic wallet and / or secondary wallet requests (eg, upon receiving a transaction request and authorization information, the sorting unit 198 may maintain the requested transaction by the system). Identify and align specific electronic wallets and / or secondary wallets or secondary wallets linked to electronic wallets), balance inquiry requests, registration requests, activation requests, redemption requests, and maintenance requests for routing to the various units of FIG. 2A. You may. The electronic value token trading computer 150 or sorting unit 198 may also generate a message based on the requests for similar routing.

As can be seen in FIG. 2A the store device 111 (generally at a merchant and / or reimbursable merchant or retailer, but alternatively is a home or user's home or kiosk 189 or personal computer configured to act as a store or In being located in an office, for example during an on-line transaction, the authentication token is interpreted by the store interpretation unit 101 (eg, a card reader). The store analysis unit 101 may interrogate data encoded in or on a human, a barcode scanner, a magnetic stripe reader, an optical character recognition device, a biometric device, a numeric keyboard (e.g., for token identification number input) or the authentication token, It may include interpretation, capture, or other device configured to input.

Almost at the same time as interpreting the authentication token (or, alternatively, before or after), an electronic wallet transaction request by the store transaction unit 104 is made. The store transaction unit 104 may comprise a person, an electronic input device, a register or terminal, a computer processing unit (“CPU”), a personal computer, a personal digital assistant (eg, a smartphone) or other such store interpretation unit 101 and And / or request or messaging means interpreted by the store processing unit 105. In some embodiments, the operations performed by the store interpretation unit 101 and the store transaction unit 104 may be performed by the individual units, eg, a store register / terminal or a personal computer during an online, web-based transaction. It may be performed by one unit capable of performing all of the operations to be performed.

The store analysis unit 101 and the store transaction unit 104 communicate with the store processing unit 105. The store processing unit 105 may include a CPU or other type of processing device accepted for use in the industry. The store analysis unit 101 communicates authentication information 102 to the store processing unit 105. The store transaction unit 104 communicates the request 103 to the store processing unit 105 for an electronic wallet transaction. The store processing unit 105 may combine this information to communicate with the electronic value token trading computer 150 (eg, send a message requesting an electronic wallet transaction with associated transactions and / or authentication data). . In one embodiment, the store processing unit 105 is associated with and / or given the POS retailer from the electronic value token trading computer 150 (or a secondary manager or unit associated therewith, such as a secondary wallet manager). And / or store and / or receive a transaction format associated with a value token, format the transaction request or message, direct the user to collect additional information, or other data, or send / receive features in the store. You can also use that type of transaction to do so. For example, a user purchasing from a retailer operates a card reader. The card reader may be a display and bar code reader or magnetic stripe scanner with an input device. The card reader may be touch sensitive and may have various buttons used for input. Following the card reader prompts, the user sees "debit," "credit," and "electronic wallet" options. The user selects "electronic wallet." The user then sees the "Buy," "Add Token," and "Token Remove" options. The user selects "buy". Following further inductions (in one embodiment relating to a transaction format specific to the specific retailer of the store), the user enters a PIN number. In some embodiments, the operations performed by the store interpretation unit 101, the store transaction unit 104, and the store processing unit 105 may perform all of the operations to be performed by the individual units. It may also be performed by one unit (eg, an integrated POS device, such as a computerized register).

The store processing unit 105 is connectable to the electronic value token trading computer 150 via a suitable network, such as the Internet, a public switched telephone network (“PSTN”), or an independent dedicated network. Each store processing unit 105 may have an associated identifier (eg, a terminal) that may be sent to the electronic value token trading computer 150 while connecting the store processing unit 105 to the electronic value token trading computer 150. Identifier or serial number). Each store processing unit 105 may include, for example, a plurality of store transaction units corresponding to individual terminals each having its own terminal identification, which exist within a given store location.

As shown in FIG. 2A, the electronic value token trading computer 150 is configured as follows: (a) the retail business (eg, via the store device 111, customer internet access, or kiosk 189); A party / merchant and / or vendor, the authorization systems 160 of the issuers, and any other licensed to access the electronic value token trading computer 150 by the electronic value token trading computer manager 151. Form a secure connection with the entities 190; (b) request and receive in communication with the issuers' authorization systems 160 to redeem or add value tokens to electronic wallets; (c) redeem all or part of the electronic value tokens linked to the electronic wallet in communication with the issuers' authorization systems 160; (d) generate and maintain a transaction log 170 for all activities performed; (e) create and maintain an error log 175 of all activities that ended in failure and their reasons; (f) redeeming or adding value tokens to electronic wallets and redeeming or adding value tokens to electronic wallets to the retailer / merchant and / or vendor (e.g., via the POS unit 111). Communicate any accompanying information; And (g) communicate any reason why transactions should not be closed to the retailer / merchant and / or the seller (eg, via the POS unit 111).

The electronic value token trading computer 150 accesses the data store 180; Generating a transaction log 170; Creating and maintaining an error log 175; Communicating with retailers / merchants and / or vendors in stores, including via the Internet for online trading purposes, for example; Communicating with the individual issuers authorization systems 160; Process individual value token and electronic wallet requests; Process reimbursement requests; Processing added value functions to add additional cash value or add redemption coupons for particular product (s) or service (s); Processing a redemption request for an electronic redemption coupon for a particular product (s) or service (s); And a single processing unit, each capable of communicating with the electronic value token trading computer 150 and capable of communicating with other authorized systems 190, or with the associated storage capabilities designed for that purpose. For example, it may include a centralized server, a plurality of processing units (eg, a distributed computing system having various units distributed and in communication with each other), or a combination thereof.

Datastore 180 maintains an account record associated with each electronic wallet, indicating: (a) whether each individual value token has been added or redeemed, (b) whether the authentication token is registered, ( c) each individual redemption request record and details, (d) the amount remaining in the electronic value tokens, (e) the rules necessary to redeem the electronic value tokens, and (f) the issuer of the electronic value tokens. Identification of the two, (f) value-added bonus payments, (g) rules for reimbursement of value-added bonus payments, and (h) combinations thereof. The datastore may also maintain a record of the rules necessary to award value added bonus payments to electronic wallets or value tokens.

Datastore 180 represents the following and also maintains a record associated with each electronic wallet and / or secondary wallet: (a) timing of registration activity and other information about it; (b) timing of management activities and other information about them; (c) timing of trading activities and other information relating thereto; (e) applicable rules; (f) identification of issuer electronic value tokens therein; (f) identification of secondary wallets associated with it; (h) any other records requested by publishers, merchants, vendors, advertisers, users, or other stakeholders; And (i) any combination thereof. Although a single datastore 180 is shown, it should be understood that multiple datastores may be used and that the relevant data may be partitioned between the datastores in any suitable manner to meet the various processes and purposes described herein. . In addition, the various data may be coupled to one or more sub-units, sub-processors, third-party processors, one or more data stores that are in close proximity to and / or in close proximity to the electronic value token trading computer 150 and the like, and the like. Preferably the data stores have data used by the sub unit, sub processor, and third party processor.

The electronic value token trading computer 150 is also configured to generate and maintain a transaction log 170 of all activities in which the electronic value token trading computer 150 is involved. The transaction log may include, for example, a detailed gist for the following transaction types: (a) a value token addition request; (b) request to sell value tokens; (c) request for redemption of value tokens; (d) value token exchange requests; (e) the amount of currency resulting from the addition of value tokens; (f) the amount of currency resulting from redemption of value tokens; (g) the amount of currency resulting from the exchange of value tokens; (h) adding value-added amounts, products or services; (i) reimbursement of value-added amounts, products or services; (j) the time at which the electronic value token was added; (k) the time at which the electronic value token was redeemed; (l) transactions or communications with issuers to add value tokens; (m) any transaction or liaison with the issuer for redemption of value tokens; (n) a PIN contacted the vendor in response to a request for the addition of a value token that requires a PIN entry for use; (p) electronic wallet setting activity; (q) electronic wallet transaction activities; (r) electronic wallet save activity; (s) electronic wallet management activities; (t) any other information that the electronic value token trading computer manager 151 directs and maintains as electronic entry of the electronic value token trading computer 150; And (u) any combination thereof.

Information contained in transaction log 170 may include data mining purposes, such as reconciliation reports, settlement reports, payment reports, audit reports, wallet registration reports, wallet management reports, wallet usage reports, wallet save reports, and electronic values. Token purchase report, electronic value token redemption report, electronic value token exchange report, electronic value token sale report, or electronic value token transaction manager 151, datastore manager 181, vendors, issuers, issuers It may also be used to generate the benefit, use, or other form of gathering information for the authorization systems 160, reimbursement merchants, or other stakeholders. For example, transaction log 170 includes information about each transaction performed by electronic value token transaction computer 150 (and its subcomponents) and includes various vendors, merchants, issuers, It may be used by the reconciliation unit 155 when reconciling an account belonging to the electronic value token transaction processing system manager (s). Additional data mining considerations that may provide recording, analysis, and / or stakeholder (eg, vendors, merchants, publishers, advertisers, etc.) include (i) the wallet user's purchasing habits; (ii) the purchase, sale, redemption and exchange of electronic value tokens; (iii) special offers and / or value-added activities; (iv) royalty related activities; And (v) data on save-related activities, all of which may be used for marketing, inventory, and other purposes.

Supervision and maintenance of the electronic value token trading computer is performed by the electronic value token trading computer manager 151. In another embodiment, although not required, the electronic value token trading computer manager 151 may also function as the datastore manager 181. The electronic value token trading computer 150 is configured to generate and maintain an error log of all incomplete transactions and their reasons. In some embodiments, the error log is managed by the electronic value token trading computer manager 151.

The electronic value token trading computer 150 also has the right to access the electronic value token trading processing system, and in particular the other entities 190 authorized to access the electronic value token trading computer 150. To communicate with These other entities may include third party payment management systems, third party audit systems, issuer affiliates, seller affiliates, repayment merchants or repayment merchant affiliates, financial institutions such as banks, credit card institutions, or credit unions, or the electronic value token trading computer administrators. It may also include other entities to which access is provided under 151 or other entities having the authority to grant access.

The transaction request at the store device 111, or other access point associated with the electronic wallet, may include one or more of the following information: (a) authentication information, (b) store terminal identification, (c) deposit or withdrawal The amount, (d) the time of the request, (e) the date of the request, (f) the issuer's identification, (g) the seller's identification, (h) the seller's location, (i) the product (s) being purchased and / or Identifying service (s), (j) requesting activation or deactivation, (k) adding value tokens, deleting value tokens, exchanging value tokens, changing management or processing rules associated with one or more value tokens, splitting into secondary wallets or vice versa In the case of wallet management functions, etc., (l) and combinations thereof. However, the information included in the request is not limited to the enumerated list but may be added to the enumerated item or may include other items instead of the enumerated item.

Upon receipt of the electronic wallet transaction request at the store and verification and classification by the alignment unit 198, the electronic value token transaction computer 150 accesses the electronic wallet unit of the datastore 180. The electronic value token trading computer 150 processes the information contained in the datastore 180 and manages the electronic value token and its account in communication with the individual issuer authorization systems 160 (109, 110). To start. The message modification unit coordinates messages and requests so that a plurality of units, sub-components / processors, or third party administrators can recognize and correctly interpret the message. For example, after the electronic value token trading computer 150 determines the individual issuer's authorization systems 160 associated with the request, the message modification unit 154 accesses the database 180 to each individual. After determining the appropriate transaction messaging format for the issuer authorization systems 160, the individual issuer authorization systems 160 using the individual issuer authorization systems 160 with a specified / preferred transaction format and vocabulary. Format subsequent communications in. The electronic value token trading computer 150 communication with the individual issuers' authorization systems 160 may occur simultaneously or independently. The electronic value token trading computer 150 is connectable to individual issuer authentication systems via a suitable network, such as a PSTN, the Internet, or an independent dedicated network. The electronic value token trading computer 150 is configured to send and / or receive communication 110 from issuer authorization systems 160 regarding the status of the electronic value token.

The reconciliation unit 155 adjusts the accounts of the various issuers, sellers on sale, and / or merchants on repayment, so as to match the appropriate traders, sellers, electronic value token transaction processing system managers with various transaction values, And deposit and withdraw money to issuers, reflecting which entities received value from other entities. For example, if seller A sells a value token issued by issuer B in a specified amount, and receives payment from a user who adds an electronic value token to the user's electronic wallet, the selling seller may purchase And / or receive a predetermined amount of percentage (e.g., maintain the ratio), the electronic value token system manager receives the predetermined amount of percentage for processing the purchase amount and / or transaction, and the issuer receives the remainder. If the value token issued by issuer Y is redeemed at merchant X to purchase items, the redeemed amount is withdrawn to issuer Y, deposited at merchant X, and sometimes the transaction fee and / or electronic collected by issuer Transaction or processing fees collected by the value token transaction processing system administrator are deducted.

The electronic value token trading computer 150 is also an authorization system so that when the electronic value token trading computer 150 authorizes the electronic wallet request rather than sending the request to the authorization systems 160 of the issuers for authorization purposes, the authorization unit 157 ) Is used. Authorization unit 157 may perform the same and / or other functions as described for authorization systems 160 and vice versa.

 Authorization unit 157 will identify the format (e.g., primary or secondary wallet) of the electronic wallet transaction request received at POS processor 105 (or other transaction derivation device / component / processor). That is, the authorization unit 157 will examine the data field of the request to confirm that the fields are filled with data and that the data is in the correct format (eg, length, alphanumeric format). If the request format is not correct, authorization unit 157 may reject the request, or in some embodiments retrieve the appropriate format (eg from a format database), or modify the transaction request to comply with the appropriate format. have. Authorization unit 157 also performs various validation checks on the request above. The authorization unit 157 verifies the following card related transaction information based on the analysis of various conditions: 1) The UPC code is stored in the datastore 180 (or the issuer) for the electronic value token transaction processing system 100. Determine if it is in any other database (such as the database); 2) determining whether the valued amount of the requested transaction corresponds to the customer's payment for the target transaction request, e.g., identifying a card whose UPC information is equal to the $ 25.00 card, and the corresponding transaction request comprising a $ 25.00 payment by the customer Whether or not; 3) determining if the UPC information identifies the card as a type of card available by the requesting merchant; And 4) determining if the bank identification number ("BIN") of the card identifying the card issuer (ie, the first six digits of the card's identification number) corresponds to the UPC information identifying the card issuer.

Authorization unit 157 may also verify the transaction according to other criteria, such as transaction rate (number / amount per unit time). For example, if the card processor is concerned that a plurality of invalid transactions indicates cheating, the card processor monitors the number of invalid transactions requested by the electronic value token transaction processing system 100, and the amount of invalid transactions per pre-selected unit time. It may be required to reject a transaction from a terminal exceeding. Finally, authorization unit 157 may be configured to reject a transaction request at an event for which the information received by authorization unit 157 is incomprehensible.

If the request has an appropriate format and is validated as described above, the electronic value token trading computer 150 may send the details of the transaction to the issuer's authentication system rather than the authorization request. Further, in some embodiments, the issuer, the authorization system (eg, authorization unit 157), and the transaction computer are part of the same entity, and in such an embodiment, there are no issuers authorization systems 160, or Issuers' authorization systems 160 will be controlled jointly with other units of the electronic value token trading computer 150 (eg, centralized (eg, part of a centralized data center) and // Or a co-owned, operated computing system, which may be distributed within a co-owned or controlled system or network. Further, while units associated with the electronic value token trading computer 150 (eg, units 152-157) are depicted as various units within one data processing system for illustrative and conceptual purposes, one or more units 152-157 are distributed. It should be noted that the data may be implemented on separate computers, systems, or servers in a data processing environment.

An example process utilized by electronic value token transaction computer 150 to facilitate purchase using an electronic wallet in accordance with the primary electronic wallet transaction processing embodiment is shown in FIG. 4A. Such an embodiment may be implemented by an electronic wallet transaction processing request that is initially received and subsequently performed by the electronic value token transaction processing system 100. The illustrated operations may be performed in the order shown or in another order, and may be performed in parallel with two or more operations.

In block 302, the electronic value token trading computer 150 receives one request or multiple requests from a store terminal. In at least one embodiment, the request may include an electronic wallet transaction request, a balance inquiry request, a registration request, an activation request, or a repayment request, a wallet management request, and (a) identification of the terminal; (b) authentication information; (c) purchase amount; (d) identification of the electronic value token issuer; (e) identification of the seller; (f) identification of the location; (g) request time; (h) the date of the request; (i) information that explicitly identifies the request as an electronic wallet transaction request (eg, transaction type data); (j) information identifying a primary electronic wallet, secondary wallet (s), or a combination thereof; (k) any other transaction and / or authentication data described herein; And (l) any combination thereof. The request at block 302 may include other information, requests, or functions of the types described herein in addition to or instead of the items listed above. In at least one embodiment, the authentication information is based on an authentication token selected from the group consisting of a proxy card and a mobile phone. By using the identification of the electronic value token issuer, it is possible to accurately formulate a transaction for communication with the electronic value token issuers.

In block 304, using the information contained in the electronic wallet transaction from information obtained from the datastore 180 and / or received from the store device 111, the electronic value token trading computer 150 may request that the request be made. Determine whether the electronic wallet request includes valid authentication information and whether the request is for redemption of value token (s), addition of value token (s), deletion of value token (s), or management of the electronic wallet. The electronic wallet request may include the bank identification number ("BIN") in the proxy card as part of the authentication information. The alignment unit may decode the BIN number or verify that the request is an electronic wallet request.

In block 324, the electronic value token trading computer 150 receives the received electronics from information obtained from the datastore 180 and / or using information contained in the electronic wallet transaction received from the store device 111. Identify / determine the primary electronic wallet, secondary wallet (s) and / or location of the electronic wallet or secondary wallet (s) needed / indicated to trigger a wallet transaction request. If the received authentication information indicates that the requested electronic wallet transaction is associated with an electronic wallet, a secondary wallet, or a combination thereof maintained by the electronic value token trading computer 150, the electronic value token trading computer 150 may: (i ) Apply its own logic to the request; (ii) apply rules stored in the primary wallet (e.g., rules established by the electronic value token transaction processing system administrator, primary electronic wallet user, or a combination thereof); (iii) apply rules stored in the secondary wallet (eg, rules established by an electronic value token transaction processing system administrator, secondary wallet user, or a combination thereof); (iv) apply a rule received with the request from the store 111 (eg, a co-occurrence rule submitted with the request by the user of the primary electronic wallet / secondary wallet); or (v) Any combination of these may be applied.

For example, one embodiment may include an electronic value token trading computer 150 that determines that the entire request relates to value tokens contained in the primary electronic wallet. Upon receiving the request, the electronic value token trading computer 150 may include its own authorization unit 157 (as described more fully herein), its datastore 180, its electronic wallet unit 199, and Query any other necessary unit to determine if the primary wallet contains value tokens that can satisfy the target request (e.g., the primary wallet is associated with a seller, merchant, and / or issuer for the requested transaction). Include value tokens). This determination may be performed by comparing electronic value token identification, user ID, request transaction type. The electronic value token trading computer 150 subsequently applies the electronic value tokens available in the primary electronic wallet corresponding to the request under the rules of the primary electronic wallet and / or the rules received with the request and executes the request transaction and / or transactions. Evaluate how to do or refuse to do so.

Another embodiment may include an electronic value token trading computer 150 that determines that the entire request is related to value tokens contained in the secondary wallet. Upon receipt of the request, the electronic value token transaction computer 150 sends its authorization unit 157 (as described in more detail herein), its data store 180, the electronic wallet unit 199, Query any required unit to determine if the secondary wallet contains value tokens that can satisfy the target request (eg, the secondary wallet retrieves value tokens associated with the seller, merchant, and / or issuer for the request transaction). To be included). This determination may be performed by comparing the electronic value token identification, the user ID, the requested transaction type. Subsequently, the electronic value token trading computer 150 evaluates how the electronic value tokens available in the secondary wallet corresponding to the request are applied under the rules of the secondary wallet and / or the rules received with the request, and the requested transaction. And / or perform or refuse to perform transactions.

In another example, one embodiment relates to electronic value tokens in which a portion of the overall transaction request resides in the primary electronic wallet while the portion of the transaction request relates to electronic value tokens in which the secondary wallet (s) reside. Electronic value token trading computer 150 that determines that the transaction is successful. This determination may be made by evaluating the requested transaction type, electronic value token identification, or any other method for determining a transaction allocation. The electronic value token trading computer 150 evaluates how electronic value tokens available in the primary electronic wallet corresponding to the request are applied under the rules of the primary electronic wallet and utilizes those rules located in the primary electronic wallet. Electronic value tokens trading computer 150, along with the rules and / or requests of these secondary wallets, are provided with the electronic value tokens available in any applicable secondary wallet corresponding to the request. Evaluate the manner applied under the rules received and perform or refuse to perform the requested transaction and / or transactions.

In one exemplary embodiment, at block 324, the electronic value token trading computer 150, in response to the received transaction request, is one of a secondary wallet that, when used together, will cover all of the requested electronic wallet transactions. The above value tokens and one or more electronic value tokens of the primary electronic wallet can be identified. Moreover, one of the electronic value tokens in the primary wallet or secondary wallet may be an electronic representation of a loyalty card, and another electronic value token at the same location or in a different location of the loyalty card value token may be used by the retailer. It may be an electronic representation of a gift card. In this example, the electronic value token trading computer 150 simultaneously uses a "royalty card" token and a "retailer's gift card" token, regardless of the location of the tokens in the primary electronic wallet and / or secondary wallet (s), For example, a "Loyalty Card" token for transactions, such as a "Retailer's Gift Card" or a 5% increase in the value of the Loyalty Points bonus applied to the "Loyalty Card" token to use the "Retailer's Gift Card" token. In contrast to not applying the value of the "retailer's gift card" token at the same time, the user advantage can be improved.

The value token can be associated with a closed loop account or an open loop account. Closed loop accounts typically expire after the funds in the account are completely depleted, for example a gift card account. Open loop accounts typically do not expire. Rather, there may be various ongoing obligations for depositing and withdrawing accounts or credit card accounts or debit card accounts of well-known brands, such as Visa or MasterCard. Closed loop accounts are often associated with retailers while open loop accounts are often associated with financial institutions (eg, chase or city issuance visas). In at least one embodiment, the electronic value tokens comprise a closed loop account number and an open loop account number. The closed loop account number is associated with a retailer capable of making deposits and withdrawals from a closed loop account associated with that closed loop account number. The open loop account number is associated with a financial institution that can deposit and withdraw from an open loop account associated with the open loop account number. The electronic value token may have a use expiration date or a specific date that is different from any other value tokens. In addition, the electronic value tokens can identify the specific merchant, location, and / or product from which the electronic value tokens can be used.

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

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

Electronic value token transaction computer 150 preferably allocates memory for the electronic wallet and value token (s) and stores the account number in the data structure of datastore 180 by storing the pieces of information in the electronic wallet unit ( Associated with the authentication information and / or electronic wallet stored in 199). Table 2 illustrates the parameters for a gift card value token in at least one embodiment.

Table 3 illustrates more detailed parameters for the gift card electronic value token, including designation of associated wallet (s) and / or secondary wallet (s) in an alternative embodiment.

However, the request may be modified for other reasons irrespective of further token determinations and forwarded to the appropriate one of the issuer's authorization systems 160 as part of the reconciliation process, for example, the request may be redeemed, deleted. , Reloading value, additional value, balance inquiry, or a combination thereof, each of which may be communicated to the issuer's authorization system 160 for reconciliation.

Table 4 illustrates formatting for authentication communication.

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

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

Table 6A illustrates the request parameters used to redeem value from a wallet's token.

Table 6B illustrates the response parameters used to redeem value from the token of the wallet.

Table 7A illustrates the request parameters used to load a value token into a wallet.

Table 7B illustrates the response parameters used to load the value token into the wallet.

If the request is for electronic value token redemption, at block 308, the electronic value token trading computer 150 accesses the electronic wallet previously associated with the authentication information and checks the rules associated with the electronic wallet. In at least one embodiment, the rule check includes checking the priority of the value tokens configurable by the user. For example, a user may prefer to use any closed loop value tokens corresponding to the retailer generating the purchase request. If nothing is found or the token does not cover the purchase, the user may prefer to use an open loop value token for the balance. As a result of this preference, all closed loop value tokens may have higher priority than open loop value tokens. Among open loop value tokens, one may have a higher priority than the other. For example, the user prefers to pay any balance with a credit card rather than a debit card. In at least one embodiment, the user can configure these rules via the Internet or a mobile application and store the priorities as default preferences. In an alternative embodiment, the user selects and applies electronic value tokens to the electronic wallet request at the point of sale device, eg, at a retailer or retailer location such as a checkout lane, customer service counter, kiosk, or the like. As such, the selection of electronic value tokens includes the selection of value tokens with the highest priority to cover the purchase amount when used together. As can be seen from the above example, one purchase transaction has been split into two repayments without compromising purchase efficiency. Likewise, one or more electronic wallet transactions can be separated into two or more transactions without compromising efficiency. In one embodiment, at least one of the electronic value tokens is linked to a closed loop prepaid account (e.g., electronic prepaid, gift, or value embedded card) and the rules associated with the primary wallet are governed by a third party administrator linked to the secondary wallet. Stimulate secondary transactions to be processed.

In at least one embodiment, the rule check includes a percentage check of the electronic wallet request that indicates how many different value tokens should be applied, and the application of the electronic value tokens applies the electronic value tokens to the electronic wallet request according to the percentage. It involves doing. Then, at block 310, the electronic value token trading computer 150 selects the value tokens of the electronic wallet that, based on the rule, cover the electronic wallet request when used together. For example, a user can configure rules so that each percentage is divided evenly between two credit cards. As such, the selection of electronic value tokens involves the selection of two open loop tokens to divide the purchase amount. As in the example above, efficiency is maintained because the store uses a single authorization token (eg, a proxy card or a mobile device only) rather than two credit cards corresponding to electronic value tokens. Other rules can be implemented, and the rules can be used in various combinations and permutations of each other. The electronic value token transaction processing system may also implement “if-then” rules based on the information sent in the electronic wallet request. For example, depending on the purchase at the gas station, gasoline credit card value token selection and the like may occur. In such an embodiment, the electronic value token computer 150 may modify the rule (s) 802, 817 of the target electronic wallet 10 and / or the secondary wallet 807 (eg, for a credit card type electronic value token). 818, 819) and rule 808 (e.g., for stored value type electronic value tokens), and based on transaction request information including transaction type, such as purchase at a gas station, Established rule (s) that hinder wallet 10 and / or secondary wallet 807, 808, 809 may be that the transaction type request is a first valued value token type, eg, a gas card related electronic value token 829. ), And the target electronic wallet 10 and / or secondary wallet (s) 807, 808, 809 include a sufficient amount of the first value token type to satisfy the entire transaction request. Otherwise, the electronic value token computer 150 is of a second electronic value token type, For example, a debit card-related electronic value token 828 can meet the balance of the transaction request.

The electronic value token trading computer 150 also applies electronic value tokens to the electronic wallet request. Upon applying the electronic value token to the request, the electronic value token trading computer 150 may aggregate and send debit and credit messages performed in an account managed by the retailer and the financial institution using the appropriate account number, Alternatively, the electronic value token trading computer 150 may deposit and withdraw money directly from an account if the electronic value token trading computer has such management authority.

In at least one embodiment, the electronic value token trading computer 150 modifies the request (e.g., applying the required format) and forwards the modified request to the appropriate one of the issuers' authorization systems 160, which authorization system. Receives the modified request and functions accordingly, for example, authorizing and / or processing the request to redeem the electronic value token and update the datastore accordingly. Authorization system 160 is not in the same location where the electronic wallet request was received in at least one embodiment. For example, if an electronic wallet request was received from a retailer, the authorization system would be owned and operated by the retailer but would not be at the retailer. Rather, the authorization system may for example be located in a data center. As such, both retailers and retailers generally do not need to know some or all of the contents of the secondary wallet. In at least one embodiment, the retailer does not even know the presence of an electronic wallet, and some transaction authorization actions (e.g. swipe of proxy card, interaction of store device with personal digital assistant, PIN entry by keypad in store) , Or other authorization activity) only communicates to the store. In other words, accessing and using an electronic wallet in a store is very smooth and does not require any special or customary actions for transaction processing compared to conventional physical bidding. Issuers' authorization systems 160 send back a response message to the electronic value token trading computer 150. In an alternate embodiment where the electronic value token trading computer 150 performs the functions of the issuers' authorization systems 160, the method may proceed directly from block 306 or 310 to block 314.

Electronic value token trading computer 150 receives a confirmation message from an appropriate one of the issuers' authorization systems 160 at block 312. In block 314, the electronic value token trading computer 150 updates the electronic wallet of the electronic wallet unit 199 and the datastore 180 to reflect that the electronic wallet has been activated, and any arbitrary value for the electronic value token (s). Reflects withdrawal, deposit, addition, or deletion. 6A-6D illustrate a series of user interface screens and prompts in at least one embodiment. For example, the user may see the prompts illustrated when managing the user's electronic wallet through a computer and / or kiosk 189 connected to the Internet.

The transaction log 170 may be updated by the electronic value token trading computer 150 to record details about the transaction at block 316. The details recorded in the transaction log include (a) the time and date of the transaction, (b) whether the wallet was activated, (c) why the wallet was not activated if the request was denied, and (d) the electronic value token (s). Deposit, withdraw, add, or delete), (e) change the rules associated with the electronic value token (s), (f) the identity of the seller, (g) the identity of the issuer, (h) the location of the seller, ( i) the identity of the terminal adding the electronic value token, (j) the identity of the entity accepting the electronic value token, and (k) any combination thereof. The transaction log may include other information (eg, transaction and / or authentication data) in addition to or instead of the items listed above.

Then, at block 318, the electronic value token trading computer 150 forwards the confirmation message to the store device 111. The electronic value token trading computer 150 may be printed on a receipt for a customer if necessary and / or on a display for a clerk operating the store apparatus 111 before forwarding the confirmation message to the store apparatus 111. The confirmation message can be modified to include the information that can be presented. In block 320, the electronic value token trading computer 150 issuing, selling, and selling electronic merchant tokens to various merchants, merchants, issuers, electronic value token trading processing system administrators, and withdrawals from appropriate accounts. Coordinate accounts of other entities involved in marketing, and in some embodiments initiate a transfer of funds between appropriate bank accounts belonging to various entities. Alternatively, account adjustments may be performed periodically (eg, daily, weekly, monthly, etc.) rather than after each transaction. In such an embodiment, the information from the transaction log 170 may be used to coordinate various entities involved in the sale or redemption of various value tokens and thus require less transfer of funds. In one embodiment, the information in transaction log 170 is used to match transactions and the like. For example, grouping all transactions from a given place or given merchant, or grouping transaction types (eg deposits, withdrawals, etc.). In various embodiments, the order of illustrated events may vary and thus may be executed in any desired order, sequentially or concurrently.

2B depicts an exemplary electronic value token transaction processing system 1100 according to one embodiment, where the electronic value token transaction processing system functions as an electronic secondary wallet transaction processor and includes a primary electronic wallet transaction processor such as an electronic And an electronic value token trading computer 150 merged with the wallet integrator system 1000. The electronic wallet integrator system 1000 may be further understood to have the same functionality, strengths, database access, network connectivity, and operational components as the electronic value token trading computer 150 described herein, and in some embodiments electronic value. Token trading computer 150 and its associated components (eg, electronic value token trading processing system 100) may act as or substitute for the electronic wallet integrator system 1000. In one embodiment, the electronic wallet integrator system 1000 is controlled, maintained, operated by a common entity or entities that control, maintain, operate, own, and / or process the electronic value token trading computer 150. , Owned, and / or treated. That is, the primary electronic wallet transaction processor and electronic secondary wallet transaction processor share a common controller, maintainer, operator, owner, and / or processor. In one embodiment, the electronic wallet integrator system 1000 is distinct from, distinguished from, and / or entities and / or entities that control, maintain, operate, own, and / or process the electronic value token trading computer 150. Or controlled, maintained, operated, owned, and / or handled by an unrelated entity or entities. That is, the primary electronic wallet transaction processor and the electronic secondary wallet transaction processor do not share a common controller, maintainer, operator, owner, and / or processor. As can be seen, when operating in electronic secondary wallet transaction processing capability, the electronic value token transaction processing system 1100 includes: (a) an electronic value token transaction computer 150; (b) electronic wallet integrator system interface 1052; (c) a datastore 180 comprising an electronic wallet unit 199 that stores electronic value tokens, such as 804, 827, 828, and 829, such as account number, electronic wallet account information, value-added payment terms, where "Value added payment" is synonymous with "value added bonus," "value added bonus," "value added bonus," and "value differentiation"; (d) the authorization system 160 of one or more individual issuers; And (e) any other unit included in the system by the electronic value token trading computer manager 151. In one embodiment, the electronic value token transaction computer 150 includes a value added determination unit 153, an electronic wallet integrator system interface 1052, a message modification unit 154, a mediation unit 155, a publisher system interface ( 156, application unit 157, and alignment unit 198. The electronic wallet integrator system interface 1052 allows the electronic value token trading computer 150 to operate the electronic wallet integrator system via, for example, the Internet, a public switched telephone network (“PSTN”), or an independent dedicated network. A means for communicating with 1000 is provided. Similarly, the electronic value token trading computer 150 may issue the issuer's authorization system via the issuer system interface 156, eg, via the Internet, a public switched telephone network (“PSTN”), or an independent dedicated network. May be in communication with 160. Communications 116, 117 between the wallet integrator system interface 1052 and the wallet integrator system 1000 and between the issuer system interface 156 and the issuer's authorization systems 160. Communications 109, 110 may be encrypted for security addition and / or may use a virtual private network (“VPN”). The alignment unit 198 may classify the communications into various types to route in various ways. For example, the sorting unit 198 may include secondary wallet requests (e.g., upon receipt of a transaction request and authorization information, the sorting unit 198 may include a particular electronic secondary wallet for maintaining the requested transaction by the system; And / or route to specific sections or sections maintained within the electronic secondary wallet), balance inquiry requests, registration requests, activation requests, redemption requests, and maintenance requests for routing to the various units of FIG. 2B. You may. The electronic value token trading computer 150 or sorting unit 198 may also generate a message based on the requests for similar routing.

As can be seen in Figure 2B, the store apparatus 111 (generally at a merchant and / or reimbursable merchant or retailer, but alternatively is a home or user's home or kiosk 189 or personal computer configured to act as a store or In being located in an office, for example during an on-line transaction, the authentication token is interpreted by the store interpretation unit 101 (eg, a card reader). The store analysis unit 101 may interrogate data encoded in or on a human, a barcode scanner, a magnetic stripe reader, an optical character recognition device, a biometric device, a numeric keyboard (e.g., for entering a token identification number) or the authentication token, It may include interpretation, capture, or other device configured to input.

Almost at the same time as interpreting the authentication token (or, alternatively, before or after), an electronic wallet transaction request by the store transaction unit 104 is made. The store transaction unit 104 may be a person, an electronic input device, a register or terminal, a computer processing unit (“CPU”), a personal computer, a personal digital assistant, a smartphone, or other such store interpretation unit 101 and / or Request or messaging means interpreted by the store processing unit 105. In some embodiments, the operations performed by the store interpretation unit 101 and the store trading unit 104 may be performed by the store registers / terminals or personal computers during the individual units, eg, online, web-based transactions. It may be performed by one unit capable of performing all of the operations to be performed.

The store analysis unit 101 and the store transaction unit 104 communicate with the store processing unit 105. The store processing unit 105 may include a CPU or other type of processing device accepted for use in the industry. The store analysis unit 101 communicates authentication information 102 to the store processing unit 105. The store transaction unit 104 communicates the request 103 to the store processing unit 105 for an electronic wallet transaction. The store processing unit 105 may combine this information to communicate with the electronic wallet integrator system 1000 (eg, send a message requesting an electronic wallet transaction with associated transactions and / or authentication data). . In one embodiment, the store processing unit 105 is from the electronic wallet integrator system 1000 (or associated secondary-manager or unit, such as secondary wallet manager, e.g., electronic value token trading computer 150). Store and / or receive a transaction format associated with the POS retailer and / or associated with a given transaction type and / or value token, format the transaction request or message, and collect the user for further information or other data collection. Such a transaction format may be used to induce or to send / receive features in the store. For example, a user purchasing from a retailer operates a card reader. The card reader may be a display and bar code reader or magnetic stripe scanner with an input device. The card reader may be touch sensitive and may have various buttons used for input. In accordance with the card reader induction, the user sees the "withdrawal," "deposit," and "electronic wallet" options. The user selects "electronic wallet." The user then sees the "Buy," "Add Token," and "Token Remove" options. The user selects "purchase." According to further prompts (in one embodiment relating to a transaction format specific to the specific retailer of the store), the user enters a PIN number. In some embodiments, the operations performed by the store interpretation unit 101, the store transaction unit 104, and the store processing unit 105 may perform all of the operations to be performed by the individual units. It may also be performed by one unit (eg, an integrated POS device, such as a computerized register).

The store processing unit 105 is connectable to the electronic wallet integrator system 1000 via a suitable network, such as the Internet, a public switched telephone network ("PSTN"), or an independent dedicated network. Each store processing unit 105 may have an associated identifier (eg, a terminal identifier) that may be sent to the wallet integrator system 1000 while connecting the store processing unit 105 to the wallet integrator system 1000. Or serial number). Each store processing unit 105 may include, for example, a plurality of store transaction units corresponding to individual terminals each having its own terminal identification, which exist within a given store location.

As shown in FIG. 2B, the electronic wallet integrator system 1000 has the following configuration: (a) the retailer / merchant and / or vendor (eg, via the store device 111), the Form a secure connection with the electronic value token trading computer 150 and the issuers' authorization systems 160; (b) request and receive in communication with the issuers' authorization systems 160 to redeem or add value tokens to electronic wallets; (c) redeem all or part of the electronic value tokens linked to the electronic wallet in communication with the issuers' authorization systems 160; (d) facilitate communication with value tokens present in the electronic secondary wallet maintained by the electronic value token transaction processing system 1100 in communication with the electronic value token transaction computer 150; (e) redeeming or adding value tokens to electronic wallets and redeeming or adding value tokens to electronic wallets to the retailer / merchant and / or vendor (e.g., via the POS unit 111). Communicating any information involved; And (f) communicate any reasons why transactions should not be closed to the retailer / merchant and / or the seller (eg, via the POS unit 111).

The electronic value token trading computer 150 accesses the data store 180; Generating a transaction log 170; Creating and maintaining an error log 175; Communicating with an electronic wallet integrator system 1000; Communicating with the individual issuers authorization systems 160; Processing individual value tokens and electronic wallet requests; Processing the reimbursement request and processing the value-added function to add additional cash value or add an electronic redemption coupon for a particular product (s) or service (s); Processing a redemption request for an electronic redemption coupon for a particular product (s) or service (s); And a concomitant storage capability capable of communicating with the electronic value token trading computer 150 and communicating with other authorized systems 190, respectively, with the associated storage capability designed for that purpose. A unit (eg, a centralized server), a plurality of processing units (eg, a distributed computing system having various units distributed and in communication with each other), or a combination thereof.

The datastore 180 maintains an account record associated with each secondary wallet, indicating: (a) whether each individual value token has been added or redeemed, (b) whether an authentication token for the individual value token has been registered Whether, (c) each individual redemption request record and details, (d) the amount remaining in the electronic value tokens, (e) the rules necessary to redeem the electronic value tokens, and (f) the electronic value tokens. Identity to their issuers, (g) value-added bonus payments, (h) rules for reimbursement of value-added bonus payments, and (i) their combinations. The datastore may also maintain a record of the rules necessary to award value added bonus payments to electronic wallets or value tokens.

Datastore 180 represents the following and also maintains a record associated with each electronic wallet and / or secondary wallet: (a) timing of registration activity and other information about it; (b) timing of management activities and other information about them; (c) timing of trading activities and other information relating thereto; (d) applicable rules; (e) identification of issuer electronic value tokens therein; (f) identification of secondary wallets associated with it; (g) any other records requested by publishers, merchants, vendors, advertisers, users, or other stakeholders; And (h) any combination thereof. Although a single datastore 180 is shown, it should be understood that multiple datastores may be used and that the relevant data may be partitioned between the datastores in any suitable manner to meet the various processes and purposes described herein. . In addition, the various data may be coupled to one or more sub-units, sub-processors, third-party processors, one or more data stores that are in close proximity to and / or in close proximity to the electronic value token trading computer 150 and the like, and the like. Preferably the data stores have data used by the sub unit, sub processor, and third party processor.

The electronic value token trading computer 150 is also configured to generate and maintain a transaction log 170 of all activities in which the electronic value token trading computer 150 is involved. The transaction log may include, for example, a detailed gist for the following transaction types: (a) a value token addition request; (b) request to sell value tokens; (c) request for redemption of value tokens; (d) value token exchange requests; (e) the amount of currency resulting from the addition of value tokens; (f) the amount of currency resulting from redemption of value tokens; (g) the amount of currency resulting from the exchange of value tokens; (h) adding value-added amounts, products or services; (i) reimbursement of value-added amounts, products or services; (j) the time at which the electronic value token was added; (k) the time at which the electronic value token was redeemed; (l) transactions or communications with issuers to add value tokens; (m) any transaction or liaison with the issuer for redemption of value tokens; (n) a PIN contacted the vendor in response to a request for the addition of a value token that requires a PIN entry for use; (o) electronic wallet registration; (p) electronic wallet setting activity; (q) electronic wallet transaction activities; (r) electronic wallet save activity; (s) electronic wallet management activities; (t) any other information that the electronic value token trading computer manager 151 directs and maintains as electronic entry of the electronic value token trading computer 150; And (u) any combination thereof.

Information contained in transaction log 170 may include data mining purposes, such as reconciliation reports, settlement reports, payment reports, audit reports, wallet registration reports, wallet management reports, wallet usage reports, wallet save reports, and electronic values. Token purchase report, electronic value token redemption report, electronic value token exchange report, electronic value token sale report, or electronic value token transaction manager 151, datastore manager 181, electronic wallet integrator system 1000 (e.g., For the purpose of contacting sellers or for any other purpose), sellers, issuers, issuer's authorization systems 160, reimbursement merchants, or other interested parties for the benefit, use or preparation of other information It can also be used to create a form. For example, transaction log 170 may contain information about each transaction performed by electronic value token transaction computer 150 (and its subcomponents) and may be associated with various electronic wallet integrator system 1000 vendors. , Merchants, issuers, as well as accounts belonging to the electronic wallet integrator system 1000 non-linked merchants, merchants, issuers, and electronic value token transaction processing system manager 151. Case may be used by the adjustment unit 155. Additional data mining considerations that interested parties (eg, vendors, merchants, publishers, advertisers, etc.) may record, analyze, and / or provide include (i) the wallet user's purchasing habits; (ii) the purchase, sale, redemption and exchange of electronic value tokens; (iii) special offers and / or value-added activities; (iv) royalty related activities; And (v) data on save related activities, all of which may be used for marketing, inventory, and other purposes.

Supervision and maintenance of an electronic value token trading computer is performed by the electronic value token trading computer manager 151. In another embodiment, although not required, the electronic value token trading computer manager 151 may also be responsible for the data. It may also function as the storage manager 181. The electronic value token trading computer 150 is configured to generate and maintain an error log of all incomplete transactions and their reasons. In some embodiments, the error log is managed by the electronic value token trading computer manager 151.

In addition, the electronic value token trading computer 150 has the right to access the electronic value token trading processing system, and in particular, other entities 190 having the right to access the electronic value token trading computer 150. To communicate with These other entities may include electronic wallet integrator systems 1000, third party payment management systems, third party audit systems, issuer affiliates, seller affiliates, redeemer or redeemer merchant affiliates, financial institutions such as banks, credit card institutions, or credit unions. Or other entities provided with access by the electronic value token trading computer manager 151 or other entities having the authority to grant access.

In one embodiment, the transaction request in the electronic wallet integrator system 1000 may include one or more of the following information: (a) authentication information, (b) store terminal identification, (c) deposit or withdrawal Amount, (d) time of request, (e) date of request, (f) identification of issuer, (g) identification of seller, (h) location of seller, (i) product (s) and / or services being purchased ( S), (j) requests to activate or deactivate, (k) add value tokens, delete value tokens, exchange value tokens, change management or processing rules associated with one or more value tokens, split into secondary wallets, or vice versa , Wallet management functions, etc., and combinations thereof. However, the information included in the request is not limited to the enumerated list but may be added to the enumerated item or may include other items instead of the enumerated item.

When the electronic wallet integrator system 1000 receives the electronic wallet transaction request and confirms and classifies it by the sorting unit 198, the electronic value token transaction computer 150 is transferred to the electronic wallet unit of the data store 180. Approach The electronic value token trading computer 150 processes the information contained in the datastore 180 and manages the electronic value token and its account in communication with the individual issuer authorization systems 160 (109, 110). To start. The message modification unit coordinates messages and requests so that a plurality of units, subcomponents / processors, or third party administrators can recognize and correctly interpret the message. For example, after the electronic value token trading computer 150 determines the individual issuer's authorization systems 160 associated with the request, the message modification unit 154 accesses the database 180 to each individual. Subsequent to the individual issuer authorization systems 160 using individual issuer authorization systems 160 that are designated / preferred transaction format and vocabulary following the appropriate transaction messaging format for the issuer authorization systems 160. Communicate The electronic value token trading computer 150 may also provide appropriate messaging formatting information, such as a template, to the electronic wallet integrator system 1000 to facilitate information processing of the system regarding the request. The electronic value token trading computer 150 communication with the individual issuer authorization systems 160 may occur simultaneously or independently. The electronic value token trading computer 150 is connectable to individual issuer authentication systems via a suitable network, such as a PSTN, the Internet, or an independent dedicated network. The electronic value token trading computer 150 is configured to send and / or receive communication 110 from issuer authorization systems 160 regarding the status of the electronic value token.

The reconciliation unit 155 adjusts the accounts of the various issuers, sellers on sale, and / or merchants on repayment, so as to match the appropriate traders, sellers, electronic value token transaction processing system managers with various transaction values, And deposit and withdraw money to issuers, reflecting which entities received value from other entities. For example, if seller A sells a value token issued by issuer B at a specified amount and receives payment from a user who adds an electronic value token to the user's electronic wallet, the selling seller may be able to obtain a purchase amount and And / or receiving a percentage of a predetermined amount (e.g., maintaining the ratio), the electronic wallet integrator system 1000 and / or the electronic value token system administrator may determine the percentage of the predetermined amount to process the purchase amount and / or the transaction. Receive, the issuer receives the remainder. If the value token issued by issuer Y is redeemed at merchant X to purchase items, the redeemed amount is withdrawn to issuer Y, deposited at merchant X, and sometimes the transaction fee and / or electronic collected by issuer Transaction or processing fees collected by the value token transaction processing system administrator are deducted.

The electronic value token trading computer 150 is also an authorization system so that when the electronic value token trading computer 150 authorizes the electronic wallet request rather than sending the request to the authorization systems 160 of the issuers for authorization purposes, the authorization unit 157 ) Is used. Authorization unit 157 may perform the same and / or other functions as described for authorization systems 160 and vice versa.

The authorization unit 157 will authenticate the format (eg, primary or secondary wallet) of the electronic wallet transaction request received at the electronic wallet integrator system 1000. That is, the authorization unit 157 will examine the data field of the request to confirm that the fields are filled with data and that the data is in the correct format (eg, length, alphanumeric format). If the request format is not correct, authorization unit 157 may reject the request, or in some embodiments retrieve the appropriate format (eg from a format database), or modify the transaction request to comply with the appropriate format. have. Authorization unit 157 also performs various authentication checks on the request above. The authorization unit 157 verifies the following card related transaction information based on the analysis of various conditions: 1) The UPC code for the product is stored in the datastore 180 (or for the electronic value token transaction processing system 1100). Determine whether it is in another database, such as the publisher's database; 2) determining whether the valued amount of the requested transaction corresponds to the customer's payment for the target transaction request, e.g., identifying a card whose UPC information is equal to the $ 25.00 card, and the corresponding transaction request comprising a $ 25.00 payment by the customer Whether or not; 3) determining if the UPC information identifies the card as a type of card available by the requesting merchant; And 4) determining if the bank identification number ("BIN") of the card identifying the card issuer (ie, the first six digits of the card's identification number) corresponds to the UPC information identifying the card issuer.

Authorization unit 157 may also verify the transaction according to other criteria, such as transaction rate (number / amount per unit time). For example, if the card processor is concerned that a plurality of invalid transactions indicate cheating, the card processor monitors the number of invalid transactions requested by the electronic value token transaction processing system 1100 and invalid transactions per preselected unit time. It may be required to reject the transaction from the terminal exceeding the amount. Finally, authorization unit 157 may be configured to reject a transaction request at an event for which the information received by authorization unit 157 is incomprehensible.

If the request has an appropriate format and is authenticated as described above, the electronic value token trading computer 150 can send the details of the transaction to the issuer's authorization system rather than the authorization request. Further, in some embodiments, the issuer, the authorization system (eg, authorization unit 157), and the transaction computer are part of the same entity, and in such an embodiment, there are no issuers authorization systems 160, or Issuers' authorization systems 160 will be controlled jointly with other units of the electronic value token trading computer 150 (eg, centralized (eg, part of a centralized data center) and // Or a co-owned, operated computing system, which may be distributed within a co-owned or controlled system or network. Further, while units associated with the electronic value token trading computer 150 (eg, units 152-157) are depicted as various units within one data processing system for illustrative and conceptual purposes, one or more units 152-157 are distributed. It should be noted that the data may be implemented on separate computers, systems, or servers in a data processing environment.

Electronic wallet pursuant to an electronic wallet transaction comprising an electronic secondary wallet maintained by a third party electronic value token trading computer that maintains the secondary wallet as part of a relationship with a primary electronic wallet system supplier, e.g., electronic wallet integrator system 1000. An example process utilized by electronic value token trading computer 150 to facilitate purchase using a wallet is shown in FIG. 4B. Such an embodiment may be implemented by an electronic wallet transaction processing request initially received by the electronic wallet integrator system 1000 and partially performed by the electronic value token trading computer 150. The illustrated operations may be performed in the order shown or in another order, and may be performed in parallel with two or more operations.

In block 301, the electronic wallet integrator system 1000 receives one request or multiple requests from the store 111. In at least one embodiment, the requests may include an electronic wallet transaction request, a balance inquiry request, a registration request, an activation request, or a repayment request, a wallet management request, (a) identification of a terminal, (b) authentication information , (c) purchase amount, (d) identification of electronic value token issuer, (e) identification of vendor, (f) identification of location, (g) request time, (h) request date, (i) request Information that explicitly identifies as a wallet transaction request (eg, transaction type data), (j) information that identifies the primary electronic wallet, secondary wallet (s), or a combination thereof, and (k) any other described herein. At least one of transactional and / or authentication data, and (l) any combination thereof. The request at block 301 may include, for example, other information, request, or function of the type described herein in addition to or instead of the items listed above. In at least one embodiment, the authentication information is based on an authentication token selected from the group consisting of a proxy card and a mobile phone.

Following the processing of block 301, the electronic wallet integrator system 1000 includes a secondary wallet in which a portion of the requested electronic wallet transaction is maintained by a third party administrator, for example, by the electronic value token transaction computer 150. It can be determined that other portions of the requested electronic wallet transaction can be processed through the electronic wallet integrator system 1000. The transaction request requires and / or carries a secondary wallet maintained by the system of the third party manager such that the electronic wallet transaction request information received by the electronic wallet integrator system 1000 completely triggers a response to the transaction request. Indicating that the rules applicable to the associated primary electronic wallet maintained by wallet integrator system 1000 are the same, wallet integrator system 1000 processes the initial request, generates a new request, and issues the secondary request. Create, or modify the initial request and send it to a secondary wallet that is maintained in association with the primary wallet, for example, the primary wallet may send an initial request, a new request, a secondary request, or a modified initial request to the indicated secondary. Send to the electronic value token transaction computer 150 holding the wallet. When processing an initial request, generating a new request, generating a secondary request, or modifying an initial request and sending it to a secondary wallet, the wallet integrator system 1000, (i) has its own logic Can be applied to the wallet transaction request, and (ii) apply rules stored in the primary wallet (e.g., rules formulated by the primary wallet vendor, primary wallet user, or a combination thereof). And (iii) apply rules received with the transaction request from the store 111 (eg, co-occurrence rules submitted with the request by the user of the electronic secondary wallet and / or primary electronic wallet); Or, (iv) any combination of these may be applied.

In block 303, the electronic value token trading computer 150 receives one request or multiple requests from the electronic wallet integrator system 1000. In at least one embodiment, the request may include an electronic secondary wallet request, balance inquiry request, registration request, activation request, or redemption request, secondary wallet management request, and (a) identification of the terminal, (b) authentication Information, (c) purchase amount, (d) identification of electronic value token issuer, (e) vendor identification, (f) location identification, (g) request time, (h) request date, (i) request Information explicitly identifying as an electronic wallet transaction request (eg, transaction type data); (j) information identifying a primary electronic wallet, secondary wallet (s), or a combination thereof; (k) any other transaction and / or authentication data described herein; And (l) any combination thereof. The request at block 303 may include other information, requests or functions of the types described herein in addition to or instead of the items listed above. In at least one embodiment, the authentication information is based on an authentication token selected from the group consisting of a proxy card and a mobile phone. By using the identification of the proxy card and / or mobile phone, it is possible to accurately formulate an embedded transaction for communication with the permanent electronic value token issuers of the target transaction request.

At block 304, using the information received from datastore 180 and the information received from electronic wallet integrator system 1000 in accordance with the transaction request, electronic value token trading computer 150 validates that request. Whether it is an electronic secondary wallet request containing authentication information and whether the request is for reimbursement of the value token (s), addition of the value token (s), deletion of the value token (s), or other management of the electronic secondary wallet Decide The electronic secondary wallet request may include a bank identification number ("BIN") as part of the authentication information. The sorting unit may decode the BIN number or verify that the request is an electronic secondary wallet request that includes an electronic value token residing in the indicated secondary wallet.

At block 324, the electronic value token trading computer 150 may utilize information from the datastore 180 and / or information included in the electronic wallet transaction received from the electronic wallet integrator system 1000. Identify / determine the location of the secondary wallet (s) and / or the secondary wallet (s) needed / indicated to trigger the received electronic wallet transaction request. If the received authentication information indicates that the requested electronic wallet transaction includes a secondary wallet held by the electronic value token trading computer 150, the electronic value token trading computer 150 requests (i) its own logic. (Ii) apply the rules stored in the secondary wallet (e.g., rules established by an electronic value token transaction processing system administrator, secondary wallet user, or a combination thereof), iii) apply rules stored in the secondary-secondary wallet (e.g., rules established by an electronic value token transaction processing system administrator, a secondary-secondary wallet user, or a combination thereof), and (iv) a store Apply rules received with the request from (111) (eg, co-occurrence rules submitted with the request by the user of the primary electronic wallet / secondary wallet), or (v) any combination thereof The can also be applied.

For example, one embodiment may include an electronic value token trading computer 150 that determines that all requests received from the electronic wallet integrator system 1000 relate to value tokens contained in a single secondary wallet. have. Upon receiving the request, the electronic value token trading computer 150 determines whether the secondary wallet contains value tokens that can satisfy the target request (eg, the secondary wallet is a vendor, merchant, and / or a buyer for a request transaction). Its authorization unit 157, its datastore 180, electronic wallet unit 199, and any other (as described more fully herein) Inquire the required unit. This determination may be made by comparing electronic value token identification, user ID, and request transaction type. The electronic value token trading computer 150 subsequently performs the request transaction and / or transactions and applies under the rules and / or rules of the secondary wallet in which the electronic value token available in the secondary wallet corresponding to the request is received with the request. Evaluate the way you refuse to do this.

Another embodiment may include an electronic value token trading computer 150 that determines that the entire request received from the electronic wallet integrator system 1000 relates to the value tokens included in the secondary-secondary wallet. Upon receipt of the request, the electronic value token trading computer 150 may determine whether the secondary-secondary wallet contains value tokens that can satisfy the target request (eg, a seller, merchant for a transaction for which the secondary-secondary wallet is requested). And / or its authorization unit 157 (as described in more detail herein), its datastore 180, electronic wallet unit 199, And any other necessary units. This determination may be made by comparing electronic value token identification, user ID, and requested transaction type. Subsequently, the electronic value token trading computer 150 evaluates how the electronic value tokens available in the secondary-secondary wallet corresponding to the request are applied under the rules of the secondary-secondary wallet and / or the rules received with the request. Perform or refuse to perform the requested transaction and / or transactions.

As another example, one embodiment may be that a portion of a request received from the electronic wallet integrator system 1000 relates to electronic value tokens residing in the secondary-secondary wallet while another portion of the request resides in the secondary wallet. Electronic value token trading computer 150 that determines that the electronic value tokens are related to the electronic value tokens. This determination may be made by evaluating the requested transaction type, electronic value token identification, or any other method for determining a transaction allocation. The electronic value token trading computer 150 evaluates how the electronic value tokens available in the secondary wallet corresponding to the request are applied under the rules of the secondary wallet (these rules will affect the payment method to be used located in the secondary wallet). Electronic value token trading computer 150 may receive electronic value tokens available in any applicable secondary-secondary wallet corresponding to the request along with the rules and / or requests of such secondary-secondary wallet. Evaluate how it is applied under the rules, perform or refuse to perform the requested transaction and / or transactions.

In one exemplary embodiment, at block 324, the electronic value token trading computer 150, in response to the received transaction request, when used together, will cover all of the requested electronic wallet transactions. One or more value tokens of and one or more electronic value tokens of the secondary wallet can be identified. In addition, one of the electronic value tokens in the secondary wallet or the secondary wallet may be an electronic representation of a loyalty card, and another electronic value token at the same or another location of the loyalty card value token is the electronic representation of a retailer's gift card. Can be. In this example, the electronic value token trading computer 150 may, for example, determine the value of the customer point bonus or “retailer's gift card” applied to the “royalty card” token to use the “retailer's gift card” token. Like a 5% increase, secondary wallets and / or secondary-secondary wallet (s) to enhance user benefits as opposed to not simultaneously applying the value of a "royalty card" token and "retailer's gift card" token for transactions. Regardless of the token's location, the "Loyalty Card" token and the "Retailer's Gift Card" token can be used simultaneously.

The electronic value token may be associated with a closed loop account or an open loop account. Closed loop accounts typically expire after the funds in the account are completely depleted, for example a gift card account. Open loop accounts typically do not expire. Rather, there may be a variety of ongoing obligations to deposit and withdraw accounts, such as credit or debit card accounts of well-known brands such as Visa or MasterCard. Closed loop accounts are often associated with retailers while open loop accounts are often associated with financial institutions (eg, chase or city issuance visas). In at least one embodiment, the electronic value tokens comprise a closed loop account number and an open loop account number. The closed loop account number is associated with a retailer capable of making deposits and withdrawals from a closed loop account associated with that closed loop account number. The open loop account number is associated with a financial institution that can deposit and withdraw from an open loop account associated with the open loop account number. The electronic value token may have a use expiration date or a specific date that is different from any other value tokens. In addition, the electronic value tokens can identify the specific merchant, location, and / or product from which the electronic value tokens can be used.

If the request is for adding an electronic value token, at block 306 an electronic secondary wallet is created (if not already created) and the electronic value token is added to the electronic secondary wallet. The following tables are included in the electronic wallet transaction communication to facilitate the electronic secondary wallet transaction as part of the concurrent primary electronic wallet transaction being processed by the primary electronic wallet transaction processing system, such as the electronic wallet integrator system 1000. Elements, parameters, and information used by the electronic value token trading computer 150.

Table 8A illustrates the request parameters requested to create a secondary wallet in at least one embodiment. Table 8B illustrates the response parameters requested to create a secondary wallet in at least one embodiment.

 The electronic value token trading computer 150 preferably allocates memory for the electronic secondary wallet and value token (s) and stores the account number by storing the fragments of authentication information in the data structure of the datastore 180. Associate with the authentication information and / or the electronic secondary wallet stored in unit 199. Table 9 illustrates the parameters for a gift card value token in at least one embodiment.

Table 10 illustrates more detailed parameters for the gift card electronic value token, including designation of associated secondary wallet (s) and / or secondary-secondary wallet (s) in an alternate embodiment.

However, the request may be modified for other reasons irrespective of additional token determinations and forwarded as part of the mediation process to the appropriate one of the issuer's authorization systems 160, for example, the request may be redeemed, deleted, reloaded. Value, additional value, balance inquiry, or a combination thereof, each of which may be communicated to the issuer's authorization system 160 for adjustment.

Table 11 illustrates formatting for authentication communication.

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

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

Table 13A illustrates the request parameters used to redeem the value from the token of the secondary wallet.

Table 13B illustrates the response parameters used to redeem value from the token of the secondary wallet.

Table 14A illustrates the request parameters used to load the value token into the secondary wallet.

Table 14B illustrates the response parameters used to load the value token into the secondary wallet.

If the request is for electronic value token redemption, at block 308, the electronic value token transaction computer 150 accesses the electronic secondary wallet previously associated with the authentication information and checks the rules associated with the electronic secondary wallet. In at least one embodiment, the rule check includes checking the priority of the value tokens configurable by the user. For example, a user may prefer to use any closed loop value tokens that correspond to the retailer generating the purchase request. If nothing is found or the token does not cover the purchase, the user may prefer to use an open loop value token for the balance. As a result of this preference, all closed loop value tokens may have higher priority than open loop value tokens. Among open loop value tokens, one open loop value token may have a higher priority than another open loop value token. For example, the user prefers to pay any balance with a credit card rather than a debit card. In at least one embodiment, the user can configure these rules via the Internet or a mobile application and save the priorities as default preferences. In an alternative embodiment, the user selects electronic value tokens at a retailer location, e.g., a vendor or checkout lane, a customer service counter, a kiosk, and applies them to the electronic wallet request at the POS device. As such, the selection of electronic value tokens includes the selection of value tokens with the highest priority to cover the purchase amount when used together. As can be seen in the example, one purchase transaction has been split into two repayments without compromising purchase efficiency. Likewise, one or more electronic wallet transactions can be separated into two or more transactions without compromising efficiency.

In at least one embodiment, the rule check includes a percentage checking of the electronic secondary wallet request indicating how many different electronic value tokens should be applied, and the application of the electronic value tokens may be based on a percentage of the electronic value of the electronic wallet request Involves applying tokens. Then, at block 310, the electronic value token transaction computer 150 selects the value tokens of the electronic secondary wallet that together cover the electronic secondary wallet request, based on the rules. For example, a user can configure rules such that each purchase is divided evenly between two credit cards. As such, the selection of electronic value tokens involves the selection of two open loop tokens to divide the purchase amount. As in the example above, efficiency is maintained because the store uses a single authorization token (eg, a proxy card or a mobile device only) rather than two credit cards corresponding to electronic value tokens. Other rules can be implemented, and the rules can be used in various combinations and permutations of each other. Electronic value token computer 150 may also implement “if-then” rules based on the information sent in the electronic secondary wallet request. For example, depending on the purchase at the gas station, gasoline credit card value token selection and the like may occur. In this embodiment, the electronic value token computer 150 may include a target electronic wallet 10 and / or a secondary wallet 807 (e.g., for a credit card type electronic value token) The secondary wallet 808), and the rule (s) 802, 817, 818, 819 of the secondary wallet 809 (e.g., for a value embedded electronic value token) The rule (s) established for the target electronic wallet 10 and / or the secondary wallets 807, 808, 809, based on the transaction request information including the transaction type, such as purchase at the gas station, It can be determined that it should first be satisfied with the first electronic value token type, e. G., The eucharistic card related electronic value token 829, and the target electronic wallet 10 and / or secondary wallet (s) 807, 808, 809) do not contain a sufficient amount of the first value token type to satisfy the entire transaction request The electronic value token computer 150 may satisfy the balance of the transaction request with a second electronic value token type, for example, a debit card related electronic value token 828. [

The electronic value token trading computer 150 also applies electronic value tokens to the electronic secondary wallet request. When the electronic value token is applied to the request, the electronic value token transaction computer 150 can integrate and transmit debit and credit messages performed in the account managed by the retailer and the financial institution using the appropriate account number, Alternatively, the electronic value token trading computer 150 may deposit and withdraw money directly from the account if the electronic value token trading computer has such management authority.

In at least one embodiment, the electronic value token trading computer 150 modifies the request to forward the modified request to the appropriate one of the issuers' authorization systems 160, which authorization system receives the modified request, And functions accordingly, for example by authorizing and / or processing the request to redeem the electronic value token and update the data store accordingly. Authorization system 160 is not at the same location in which at least one electronic secondary wallet request was received. For example, if an electronic secondary wallet request is received from a retail store, the licensing system will be owned and operated by the retailer, but not at the retail store. Rather, the authorization system may for example be located in a data center. As such, both retailers and retailers generally do not need to know some or all of the contents of the secondary wallet. In at least one embodiment, the retail store is not even aware of the existence of an electronic wallet and may be able to perform some transactional actions (e.g., swipe of a proxy card, interaction of a store device with a digital personal assistant, PIN entry by a keypad in a store , Or other authorization activity) only communicates to the store. Issuers' authorization systems 160 send back a response message to the electronic value token trading computer 150. In an alternate embodiment where the electronic value token trading computer 150 performs the functions of the issuers' authorization systems 160, the method may proceed directly from block 306 or 310 to block 314.

Electronic value token trading computer 150 receives a confirmation message from an appropriate one of the issuers' authorization systems 160 at block 312. At block 314, the electronic value token trading computer 150 updates the electronic secondary wallet of the electronic wallet unit 199 and the data store 180 to reflect the activation of the electronic secondary wallet, Reflects any withdrawal, deposit, addition, or deletion. 6A-6D illustrate a series of user interface screens and prompts in at least one embodiment. For example, the user may see the prompts illustrated when managing the user's electronic wallet through a computer and / or kiosk 189 connected to the Internet.

The transaction log 170 may be updated by the electronic value token trading computer 150 to record details about the transaction at block 316. Details recorded in the transaction log include: (a) the time and date of the transaction; (b) whether the electronic secondary wallet was activated; (c) why the electronic secondary wallet was not activated if the request was denied; (d) Deposit, withdraw, add, or delete (s) to (s), (e) change the rules associated with the electronic value token (s), (f) identify the seller, (g) identify the issuer, (h) locate the seller (i) identification of the terminal adding the electronic value token, (j) identification of the entity authorizing the electronic value token, (k) identification of the electronic wallet integrator system 1000 transmitting the secondary wallet request, Communication between the electronic value token trading computer 150 and the electronic wallet integrator system 1000, and (m) any combination thereof. The transaction log may include other information in addition to or instead of the items listed above.

Then, at block 319, the electronic value token transaction computer 150 forwards the secondary wallet transaction result and associated information to the electronic wallet integrator system 1000 in the form of an acknowledgment message. The electronic value token trading computer 150 may be printed on the receipt for the customer and / or a clerk who operates the store device 111, if necessary, before forwarding the confirmation message to the electronic wallet integrator system 1000 The confirmation message can be modified to include information that can be presented on the display. At block 320, the electronic value token trading computer 150 is responsible for issuing electronic value tokens relating to various vendors, publishers, electronic value token transaction processing system managers, and secondary wallet requests for depositing and withdrawing appropriate accounts, Sales and marketing, and, in some embodiments, initiate the transfer of funds between appropriate bank accounts belonging to various entities. Alternatively, account adjustments may be performed periodically (eg, daily, weekly, monthly, etc.) rather than after each transaction. In such an embodiment, the information from the transaction log 170 may be used to coordinate various entities involved in the sale or redemption of various value tokens and thus require less transfer of funds. In various embodiments, the order of illustrated events may vary and thus may be executed in any desired order, sequentially or concurrently.

2C illustrates an embodiment of an electronic value token transaction processing system 1200 in which an electronic value token transaction computer 150 communicates with a store device 111 and an electronic wallet integrator system 1000. Thus, the electronic value token transaction computer 150 may function as both a primary electronic wallet transaction processor and an electronic secondary wallet transaction processor, as described in detail above with respect to FIGS. 2A and 2B.

Electronic wallet management can be performed through a variety of user interfaces, such as smartphone applications, personal computer applications, web site based applications, shop terminals, dedicated terminals at other locations, such as shops or kiosks.

In at least one embodiment, the user is provided with the ability to manage electronic wallet management functions (e.g., balance inquiry, management of customers and / or other bonus type programs), (i) (Iii) exchange between different wallets (such as the exchange of electronic value tokens from a secondary wallet configured to allow repayment activities to a secondary wallet configured for save activity with limited reimbursement potential), and (iii) Exchange of value tokens, such as exchanges with other users, purchase of electronic value tokens to be placed in an electronic wallet, opt-in or opt-out of receiving targeted promotional events and data, payment between electronic value tokens available in an electronic wallet A payment function such as a division of a supplier, etc., from a computer or a mobile phone through the World Wide Web.

With regard to possible exchanges, the user may exchange for a value token associated with the retailer who is likely to frequently find a value token associated with the retailer that the user will not frequently search for. Similarly, a user may exchange, sell, gift, or re-present bundles of value tokens or value tokens.

With the electronic wallet management function, the user can determine the value amount associated with each value token, such as (i) payment point, dollar amount, (ii) check the expiration date of the value token, (Iii) create, register and delete the user's electronic wallet or specific value tokens in his / her electronic wallet; and (iv) The electronic wallet may request that the electronic wallet provide or make available a physical representation of the electronic value token (e.g., in one embodiment, a user may receive a slip, coupon, or coupon at a kiosk 189 or other accessible printer). Billing, or other physical representation of an electronic value token), (v) for example, a GPS service on a user's mobile phone Or by allowing the electronic wallet to transmit user specific tokens through integration with the user's SMS service.

In at least one embodiment, the user's electronic wallet is integrated with the user's social network services, such as Facebook and Twitter. Accordingly, the user can perform management functions through the social network platform, or receive the value tokens through the social network platform. Partial or complete information about the user's electronic wallet may be used by the user's social network contacts.

6A, a user can access an electronic wallet system such as the electronic value token transaction processing system 100 or the electronic wallet integrator system 1000 through the interactive display page / screen of such a system (Where the interactive display page / screen is accessed via the user's computer, the user's personal digital assistant or smart phone, point-of-sale terminal, kiosk 189, or other device). As shown in FIG. 6A, the user can create and / or register an electronic wallet or secondary wallet by providing predetermined request information and agreeing to certain conditions.

As shown in Fig. 6B, the user can manage the electronic wallet by inputting predetermined card specific information into the electronic wallet system interface display page / screen. In one embodiment, the user may register the gift card by entering the brand, card number, expiration date, CVV2 code, and card alias of the gift card on the screen and selecting the "Add gift card to my wallet" button .

As shown in Fig. 6C, the user is provided with many options for managing the electronic wallet and its contents. For example, as shown, a user may review certain details associated with electronic wallet tokens (shown as gift cards in FIG. 6C) present in the electronic wallet and / or secondary wallet. Also, the user can select whether the electronic value tokens are (i) "last added" (as shown in Figure 6C), (ii) various "secondary wallets" (Iii) as a minimum balance at the highest balance, or (iv) as a ranking for the preferred use, as included in the balance sheet, which may be classified or nicknamed as "debit," "credit," " You can request that it be presented.

As also shown in Fig. 6C, the user has the capability of "add gift card", "add value", "card redemption" and "sell card".

 The "Add Gift Card" feature allows a user to place an electronic value token in an electronic wallet. The "Add Gift Card" selection provides at least two different ways for a user to add an electronic value token to an electronic wallet. First, an electronic value token representing the physical card the user has may be added to the electronic wallet. As described with reference to Fig. 6B, the screen display of Fig. 6B can be presented to the user by selecting "add gift card" and choosing this subsequent additional scheme. Accordingly, the user can add a "gift card" to the electronic wallet by inputting the brand, card number, expiration date, CVV2 code, and card nickname of the gift card on the screen and selecting the "Add gift card to my wallet" can do. Alternatively, the user may have access to a card reader (e.g., a Mc Stripe reader and / or a bar code reader), such as a user's computer, a personal digital assistant, or a device attached to a smart phone, These devices, along with a computer, personal digital assistant, or smart phone, can be used to read information from the physical card and enter card information into the electronic wallet system for conversion to an electronic value token. Next, an electronic value token representing a physical card that the user does not yet have can be added to the electronic wallet. In this embodiment, when the user selects this option, the user may be presented with a display screen that notifies the user of all different types and value amounts of electronic value tokens available for purchase. The availability of electronic value tokens for purchasing is determined by the electronic wallet system (e.g. electronic value token transaction processing system 100) and card issuer, merchant, vendor, and / or processor (e.g., To provide the ability to choose from a variety of different types of gift cards (and various face value) and to ensure that the selected cards are delivered to the user (or the user's identified recipient) in the form of a type (via mail or other courier) Or a GiftCard Mall web based application as provided by the Black Hawk network that allows the delivery of electronic value to be delivered (e. G., Via an electronic value token transaction processing system), and more particularly, An electronic wallet system (e. G., An electronic value token transaction < RTI ID = 0.0 > May be due to the capabilities of the processing system 100.

The "add value" function allows the user to select an electronic value token and increase the value of the token. The "reloading "," top off ", or "recharging" of such an electronic value token can be performed as disclosed in International Application No. PCT / US11 / 40055, . For example, if an electronic wallet user wishes to reload / recharge / top off a telecom-related electronic value token resident in the electronic wallet, the user may send a reload / refill / top request to the electronic value token computer 150 You can select "add value" on the display screen that prompts the system.

In the first embodiment of the reloading / refill / top up scenario, the electronic value token computer 150 approves the request if the telecom related electronic value token is activated and associated with the telephone number. The electronic value token computer 150 determines that the telecom account associated with the telephone number adds the requested reload / refill / tower amount to the account. The electronic value token computer 150 sends a response to the request (e.g., a response indicating that the reload / refill / upload amount has been added to the associated account). The electronic value token computer 150 sends the reloading / refill / top deal request to the associated telecom carrier of the telephone number. Upon receiving a reload / refill / top trade request from the telecom carrier, the electronic value token computer 150 modifies the value of the telecom associated electronic value token to reflect the amount of reloading / recharging / loading. The electronic value token computer 150 causes the display accessed by the user to reflect the modification of the value of the electronic value token, or if the reloading / recharging / top-up transaction request is not approved, the electronic value token computer 150 Have the display notify the user of the result. Although the "Add Value" feature has been described with respect to telecom-related electronic value tokens, the "Add Value" feature will be uniformly applicable and function to reload / recharge / upload electronic value tokens associated with debit cards, prepaid service cards, gift cards, etc. Can be.

The "redemption" function allows the user to select an electronic value token and use the token to fulfill a purchase or other transaction. In the "card redemption" situation, if the total value of the electronic value token is not used in a redemption transaction, the system corrects / reduces the balance of the token so that the display notifies the user of the & Notify all parties involved in the transaction and allow any permanent logs to be recorded and adjusted accordingly. Alternatively, if the electronic wallet is used in a point-of-sale transaction context rather than in the electronic wallet management context described above, the "card redemption" function may be automatically called through the transaction information delivered from the store, can do.

 The "sell card" function allows the user to provide a card for sale to (i) another electronic wallet user, (ii) an electronic wallet (or secondary wallet) system supplier, or (iii) an electronic value token exchange program 2000 Allows selection of electronic value tokens for monetization (described in more detail herein). In the "card sale" situation, the user notifies the electronic system to which the electronic value tokens are to be sold, selects a forum for such sale from a list of available forums, The type of value added to the other selected electronic value token (s) and / or the type of wired / type delivery of the receipt that the user can present for the bid (e.g., slip, (E. G., Coupons, bills, or combinations thereof) to the electronic purse and, if applicable, a threshold for the sale of electronic value tokens, for example, Instructs the system on value The system executes the desired sales transaction and notifies all interested parties of the sale transaction, while the display notifies the user of the sale result of the electronic value token, and records and adjusts any permanent logs accordingly.

As further shown in FIG. 6C, the user may manage "My Compensation" to display a screen showing the available user choices due to receipt of the customer or other type of compensation to use the electronic wallet and / or electronic value token You can choose to. In addition, the user can select a "special offer" to present a screen showing the user the promotions available to the user via the electronic wallet. In addition, the user can select "exchange" to display a screen showing to the user a user selection available for electronic value token exchange via the electronic wallet.

In a manner similar to that described above with respect to the electronic wallet management capabilities and functions, the kiosk 189 may be coupled to the electronic value token transaction computer 150 in at least one embodiment, Lt; RTI ID = 0.0 > e-wallet < / RTI >

The kiosk 189 may be arranged in an area in which traffic is complicated, such as a shopping mall, and may perform any electronic wallet management function. For example, a user can create, delete, and change his or her electronic wallet or secondary wallet. In addition, the user can check the balance of electronic value tokens residing in the electronic wallet, the addition, removal, reloading, charging, printing, exchange value tokens of the electronic wallet or secondary wallet. The kiosk 189 may mirror available transactions, at least in one embodiment, via the electronic wallet management website or through the functionality of an electronic purse-enabled personal digital assistant and / or smartphone. The user can employ the print function upon request in his or her own value token if a particular retailer does not allow electronic wallet transactions. For example, the user may select a value token to print and the printer connected to the kiosk 189 prints a receipt with a physical representation of the selected value token, e.g., a scannable bar code connected to the electronic value token . The physical representation may be a gift card with magnetic stripes, a paper receipt with a barcode or matrix code (eg, a QR code), a coupon, or the like. In one embodiment, kiosk 189 may be, for example, a physical card for additional printing costs. In addition, the user may use the kiosk 189 to prepare and / or partition the electronic wallet (eg, create secondary wallets). For example, after authentication of the user and identification of the electronic purse associated with the user, the user may send the user's physical storage value card to the kiosk 189, e.g., a machine-operated kiosk similar to an automated teller machine, or alternatively, Can be inserted into a manual kiosk. The kiosk 189 may convert the physical storage value card into an electronic value token of the user's electronic wallet. The physical stored value card can then be maintained or destroyed by the kiosk 189 or returned to the user. In one embodiment, the physical storage value card is not available to the user after conversion. In another embodiment, the user may have the option of using an electronic value token or physical storage value card. In other words, both are "active" and available for use. In addition, the user can purchase the value tokens and prepare the wallet directly from the kiosk 189.

In at least one embodiment, the user is associated with a plurality of electronic wallets. To identify the wallet of one of the plurality of wallets associated with the user, each of the plurality of wallets is associated with a unique wallet identification ("ID"). For example, a database or lookup table can be used to access wallet identification. In at least one embodiment, the wallet ID is customizable by the user.

As with reference to both the primary and secondary wallet embodiments described above, the disclosed electronic wallet and secondary wallet methods and systems provide the ability to add value to the electronic value token residing in the electronic wallet and / or secondary wallet. To the user. In one embodiment, as with the value adding capability and functionality of the electronic value token transaction processing system 100 described in detail in International Application No. PCT / US11 / 20570, the entire disclosure of which is incorporated herein by reference, And functionality may be adapted from the context described in International Application No. PCT / US11 / 20570, which immediately applies to the wallet / electronic wallet token context.

Customers may be provided incentives to purchase and / or redeem the value token (s) through the purchase of value token (s) and value differentiation between redeemable values.

In one embodiment, a value token with a face value of $ 25 may be purchased for $ 25 by the customer, but an electronic value token may be added to the electronic wallet in an amount of $ 30, It was added as an incentive to buy. Alternatively, instead of adding the cash value to the electronic value token, the electronic value token may be encoded as a redemption coupon for the particular product or service. For example, a value token of $ 15 for a coffee shop may have an electronic coupon code for a free syrup additional addition to any coffee purchased at that coffee shop. The free syrup addition may be redeemed together with redemption of some or all of the electronic value token amount, or the free sample addition may be redeemed separately.

In another embodiment, the value token vendor may present to the customer an incentive to redeem the value token by adding a value to the amount of the electronic value token when the customer repays the electronic value token. For example, a merchant may make promotions to present an additional $ 5 deposit to a customer when the customer uses the value token for purchase at one of the merchant's retail stores for a particular period of time.

As noted above, the electronic value token trading computer 150 communicates with the datastore 180 and / or the issuer's authorization systems 160. The electronic value token transaction computer 150 compares one or more of the card identification, the terminal identification, the vendor identification, the time and date of the activity request contained in the transaction request with the data stored in the data store 180, Determine if the electronic value token to be redeemed is eligible for value added payment. For example, a vendor may promote a customer to purchase a value token, where a value token purchased within a particular time period may be purchased at a price less than the value specified by the electronic value token description or metadata. Thus, a customer may purchase a $ 25 value token in a predetermined amount less than $ 25, for example $ 20. In the foregoing examples, the value added value, for example, the bonus added to the reduction value of the purchase price for the redeem value of the value token and the specified value of the value token, is stored in the electronic value tokens and / Lt; / RTI > value token packages and the value differentiator may be applied equally or disproportionately. Likewise, retailers can collaborate to promote each other 's value tokens completely, partially, or for specific products or promotions. By choosing to use the electronic wallet in a store, the user can receive the promotional advantages that the user has not even recognized. Also, by configuring the rules, the user can be guaranteed to get the best promotions at various retailers without shopping comparisons. As such, retailers implement promotions at a rapid rate without consuming advertising resources to ensure that users are aware of promotions, and without requiring the user to sell legs associated with conventional repayment models such as coupon cutting, various promotional code entry, etc. And mutual promotions with other retailers on a daily or even hourly basis. In addition, retailers can fine-tune promotions for various market segments to strengthen relationships by providing specific requests for market segments.

The message modification unit 154 modifies the messages 106 and 110 to add the value-added information to the message. For example, if the value-added decision unit 153 determines that the value tokens to be added are eligible as a value-added bonus, the message 106 received from the store device 111 may include a message modification unit (154) and then forwarded as message (109) to the appropriate issuer authorization system (160) to authorize the request for the amount specified in the value added bonus plus activation request. As another example, if it is determined that the electronic value token is eligible for a discount purchase, the message 106 received from the store device 111 may be stored in the electronic value token, while the electronic value token is added to the electronic wallet in one quantity, (And forwarded as message 109) by the message modification unit 154 to indicate to the appropriate issuer authorization system 160 that it is billed as a small amount reflecting the associated discount.

In one embodiment, the message modification unit 154 may also include information that can be presented to the cashier on the terminal 101 or 104 that the cashier can communicate with the customer, as well as information that can be printed on the receipt generated for the customer Modify the message 110 from the issuer's authorization system 160 for the store device 111 to include any information about the value added to the electronic value token present, the modified message being stored in the store device ( Forwarded as message 107.

As noted above for both the primary and secondary wallet embodiments described above, the disclosed electronic wallet and secondary wallet methods and systems provide a user's electronic wallet with an electronic value token residing in the user's electronic wallet or secondary wallet. Or to an electronic value token that is not currently present in the secondary wallet but becomes available via the electronic wallet or secondary wallet's trading system (s).

The owner and / or operator of the electronic value token computer 150 may earn revenue through arbitrage trading activities. That is, the owner and / or operator of the electronic value token computer 150 may maintain the difference between the current prices of the two electronic value tokens, for example, the first electronic value token traded / exchanged and / Maintain a difference between the second electronic value tokens. In at least one embodiment, the electronic value token trading computer 150 may charge for a user transaction instead of an exchange. Transaction costs can be fixed or based on exchange size.

In addition, the electronic value token transaction computer 150 may charge transaction costs based on fixed transaction costs or exchange amounts to any or all of the publishers and / or retailers associated with the exchange. These costs may be minimal but may be generated in large quantities. All parties can benefit from receiving value tokens for use in exchange instead of value tokens that the user does not use. In addition, one issuer and / or retailer may remove the liability or inventory liability associated with the exchanged value token, thereby freeing up capital for other uses. In addition, other publishers and / or retailers can obtain customers, maintain regular customers, or increase revenue if the customer consumes more than the amount of electronic value tokens.

As referred to the above-described embodiments of the primary and secondary wallets, the disclosed electronic wallets and secondary wallet methods and systems enable electronic value tokens located in the electronic wallet and / It gives users the ability to exchange for other electronic value tokens that are not located in the wallet. This exchange of value tokens can be accomplished by (i) at the store, (ii) at the kiosk, (iii) via your personal digital assistant or smartphone, (iv) Or by (1) an electronic wallet user using any other method of accessing the user's electronic wallet; (Ii) an electronic purse supplier, or (iii) a combination of these, for example, by an electronic wallet user, or (2) Is established.

In at least one embodiment, to exchange a first value token associated with a first retailer located in an electronic wallet with a second value token associated with a second retailer that is not located in the electronic purse, the exchange rate must be applied. This exchange rate can be applied to the value of the second value token applied at the exchange so that the decrease in the face value of the second value token is related to the value of the exchanged first value token or the exchange rate It may be applied to the assets of some other value of the electronic wallet (as specified by the instruction). The exchange rate may be realized by an electronic wallet processing system and / or may be shared with designated vendors, traders, and publishers.

The exchange rate may be used to track the interest and usage of electronic value tokens, gift cards (or other similar means), the acquisition of such transfer value tokens, gift cards (or other similar means) from other electronic wallet users or other sources, An ongoing evaluation program operated by an electronic wallet processing system or an affiliate entity that includes establishing dynamically variable values for all such electronic value tokens and gift card type means available to the electronic wallet processing system for integration within the token exchange program It can be established through.

The electronic value token exchange program described above can be illustrated by the following description. The electronic wallet user can use the electronic wallet associated kiosk 189 at retail store A. The electronic wallet user interfaces with the kiosk 189 and provides electronic wallet identification information (e.g., as described in Table 1 for "accountid") to the kiosk. The preparation of the identification information can be done by manual input by the user of the kiosk or can be done automatically through communication between the electronic wallet user's personal digital assistant (or proxy card 200) and the kiosk 189 . The electronic wallet user can then use the kiosk 189 to access the electronic value token exchange program of the electronic wallet and further utilize the kiosk 189 to facilitate any desired electronic value token exchange have. In one embodiment, the electronic wallet user may provide electronic value tokens issued and accepted by retailer B included in the user's electronic wallet (or the user's secondary wallet) to an electronic value to be issued and / or accepted by retailer A You may want to exchange it for a token. As the electronic wallet user interfaces with the kiosk 189, a screen display as shown in Figure 6C can be presented to the electronic wallet user. In addition to providing the electronic wallet user with the ability to review the contents of the electronic wallet, the display can allow the electronic wallet user to select an "exchange" tab from the available functions. The "Exchange" tab then presents the available options for the electronic value token exchange to the electronic wallet user. As shown in Figure 6D, these options include: (1) viewing the selection of electronic value token (s) available for acquisition; (2) viewing the selection of the electronic value token (s) currently residing in the electronic wallet; (3) Viewing the various exchange rates for the electronic value token (s) identified for acquisition as calculated by taking into account the electronic value tokens selected for removal (exchange) from the electronic purse (exchange rates are selected for exchange May be variable based on the type / retailer of the electronic value token); (4) viewing options to meet exchange rates (e.g., (i) a decrease in the value of an electronic value token selected for acquisition to meet exchange rates, or (ii) the amount of exchange rate for a credit card value token or debit card). To some other asset residing in an electronic wallet, such as a value token); (Ii) delivery to a personal digital assistant or computer via email, SMS, social media, or other electronic means; (iii) delivery to a kiosk or other user Printing a tangible version of an electronic value token on an optional printing device (eg, via receipt printing capability as disclosed in US Patent Application No. 12 / 719,741, which is incorporated by reference in its entirety). Etc., selection of options for delivery of an electronic value token selected for acquisition. The user can make a desired selection in response to the information provided on each of the screens described above, since each of the described screen viewing options allows selection of the represented options. In this example, the user chooses to exchange the retailer B's $ 25.00 electronic value token residing in the electronic wallet with the retailer A's electronic value token. As a result, the electronic value token exchange program may be configured so that the exchange rate (the exchange rate varies from transaction to transaction, the exchange rate can be any value, for example from $ 0.001 to $ 10.00 or less than, , Or any value in excess of this range.) If the user chooses to apply to Retailer A's electronic value tokens, the user will pay Retailer A's electronic value token in the amount of $ 24.75 The kiosk 189 is urged to represent acquisition. The user makes this selection. The electronic value token exchange program prompts the kiosk 189 to represent the available delivery methods, and the user selects delivery to the electronic wallet. The electronic value token exchange program urges the kiosk 189 to display another screen that is similar to FIG. 6C, but which indicates that the electronic wallet now contains the electronic value token of retailer A in an amount of $ 24.75.

As a result of the above "exchange" transaction, the electronic wallet user received the electronic value token of his desired retailer A and the electronic value token exchange program received retailer B's electronic value token of $ 25.00. As part of the foregoing transaction, an electronic value token exchange program may be used to transfer the electronic value of retailer A (e. G., In an embodiment where the issuing entity of retailer A's electronic value token may be an electronic value token exchange program 2000) Contacted the electronic value token issuance entity of the token and requested to provide retailer A's electronic value token of $ 24.75 to meet the request of the electronic wallet user and, alternatively, the electronic value token exchange program could be provided to the previously controlled retailer A For example, modified retailer A's $ 25.00 electronic value token to a value of $ 24.75 and reduced the liability associated with the card by $ 0.25 to the issuing entity of retailer A, Tokens were notified. In addition, the electronic value token exchange program 2000 may contact retailer B's electronic value token issuer to ensure that the issuer is able to remove the retailer's $ 25.00 electronic value token from the legal liability list Provides retailer B's $ 25.00 electronic value token identification. Thus, as a final result, depending on the activity of the electronic value token exchange program, each time a legal obligation is established, a value of $ 0.25 (exchange rate, that is, part of the exchange with the electronic value token obtained by the requesting user) The difference in the value of the electronic value token delivered by the requesting user.

In an alternate situation, if an electronic wallet request user selects a currency rate that is met by an electronic wallet such as a credit card electronic value token or a debit card electronic value token or other asset that resides in a secondary wallet, Retailer A's electronic value token is provided, which is $ 25.00, which matches the electronic value token of retailer A, which is $ 25.00, and the exchange rate of $ 0.25 is realized upon request for a credit card electronic value token or debit card electronic value token. These actions are traded in a communication between a credit card electronic value token or a credit card electronic value token requesting that the electronic value token exchange program and the electronic value token exchange program be paid a $ 0.25 exchange rate value. Thus, as a result, depending on the activity of the electronic value token exchange program, each time a contract obligation is established, there is a $ 0.25 value (exchange rate) that can be allocated to those involved.

Although the electronic value token exchange transaction (or any variant thereof) described above is described in the context of the kiosk 189, it is also possible to use a personal digital assistant device having an electronic wallet function, or via a computer accessing the user's electronic wallet, It may also be performed.

In an alternative embodiment of electronic value token exchange, as described above, the electronic wallet may automatically control electronic value token exchange activities. For example, an e-wallet user may, for example, present a purse at a retail store, for example, to satisfy a transaction at retailer Q, and if the purse does not include a retailer Q-brand value token, May manage the electronic wallet to initiate an electronic value token exchange process automatically and in real time where the electronic wallet communicates a request for electronic value token exchange with the electronic value token transaction computer 150. In this example, the electronic wallet user is placed in a designated secondary wallet where all electronic value tokens (gift card type electronic value tokens) associated with the prepaid service are located and each of the electronic value tokens passes through the preferred ranking system, If there are 22 types of electronic value tokens in the secondary wallet, the most preferred electronic value token or token type (e.g. # 1) to the least preferred electronic value token or token type (e.g. # 22 ), The electronic wallet was managed to be positioned / ordered / specified in the secondary wallet. For example, an electronic value token of a retailer M brand may be designated as the most preferred, and an electronic value token of a retailer L brand may be designated as the least preferred. Also, in this example, the electronic wallet is presented with an electronic wallet, such as the retailer Q situation described above, to facilitate the transaction at the retailer where the electronic wallet does not include the electronic value token of the retailer (the electronic wallet is At the start of an initial transaction, the retailer is recognized based on information exchanged between the electronic purse and the retailer's communications device), wherein electronic wallet rules are used to provide electronic value token exchange requests The electronic value token (# 22) of the retailer's L brand and, if desired, the electronic value tokens # 21, # 20, etc., if desired, To an amount of retailer < RTI ID = 0.0 > Q < / RTI > electronic value token sufficient to satisfy the initial transaction volume Controls. The electronic value token exchange computer 150 receives the electronic value token exchange request when the electronic value token exchange program 2000 receives the electronic value token exchange request from the electronic value token exchange computer 2000. For example, In communication with the device, causing a requested electronic value token exchange. The requested electronic value token exchange is performed and the electronic wallet receives the electronic value token of the requested retailer's Q brand used simultaneously with the execution of the initial transaction and the electronic wallet receives the electronic value token of the retailer's L brand as an electronic value token To the transaction computer 150 (or make it unusable and amendable only), in which case the electronic wallet is actually evaluated in excess of the electronic value token of the requested retailer Q brand. As such, the electronic value token trading computer 150 modifies the electronic value token of the retailer L brand (either internally or through communication with the generation system of the electronic value token of the retailer L brand) Extracts the exchange rate for exchanging retailer Q brand electronic value tokens (as described in more detail herein) into electronic value tokens of retailer L brands, reflects the value reduction based on the electronic value tokens, Communicate transaction information to the parties and return (or re-enable) the value token of the retailer L brand whose value has been modified to the user's electronic wallet.

In an alternate embodiment, the electronic value token exchange rule of the electronic wallet may be such that the electronic wallet inquires of the electronic value token transaction computer 150 about the best exchange rate available for the electronic value tokens residing in the electronic wallet, The exchange may be provided based on the best exchange rate rather than the exchange rate. In addition, the electronic wallet user can subjectively determine which electronic token (s) should be exchanged to meet the transaction.

In one embodiment, the electronic token exchange program 2000 retrieves the proposal (s) for the electronic value token exchange (s) by querying the user's electronic wallet and secondary wallet maintained by the electronic value token transaction computer 150 Present to electronic wallet users. For example, the electronic token exchange program 2000 may include, as part of an inquiry, (i) a history of use of an electronic wallet; (ii) the length of time an unused electronic value token has resided in an electronic wallet; (iii) a request for certain electronic value tokens in the market; (iv) date of impairment of electronic value tokens; (v) promotions to obtain electronic value tokens; (S) currently residing in the user's electronic wallet / secondary wallet based on the combination of the electronic value token (s) and the electronic value token (s) currently resident in the user's electronic wallet / secondary wallet You can decide to present the electronic wallet user to exchange. In one embodiment, the electronic token exchange program 2000 may assist with the proposal for exchange with value added / bonus incentives as described herein above. In another embodiment, the proposal may include an option for the user to place a portion of the exchange value amount in the save wallet, as described in more detail below.

As with reference to both the above-described primary and secondary wallet embodiments, the disclosed electronic wallet and secondary wallet methods and systems, as well as the rules describing the use and / or availability of the electronic wallet or secondary wallet, are described above. Provide the user with the ability to specify the location of the value token residing in the electronic wallet or secondary wallet. Also, as described herein, the electronic value token (s) may be removed from a secondary purse (hereinafter referred to as a "fully redeemable" designated electronic purse or secondary purse) configured to allow reimbursement activity, It may be placed in a secondary wallet (hereinafter referred to as a "save" designated electronic wallet or secondary wallet) configured for this limited save activity. Indeed, the system immediately provides the electronic value token (s) to be placed in the designated "e-wallet" or secondary wallet when the e-wallet or secondary wallet can utilize the e-value token.

In one embodiment, the electronic value tokens may be designated for an electronic wallet and / or a secondary wallet, where the electronic wallet or secondary wallet is used for save activity and thus has a rule that is not as easy as a general access or redemption / And / or can be placed in such an electronic wallet and / or a secondary wallet. In one embodiment, similar save capabilities, functions, requirements, and limitations of the aforementioned electronic value token transaction processing system 100 are described in International Application No. PCT / US11 / 49338, the entire disclosure of which is incorporated herein by reference. These similar save capabilities, functions, requirements, and limitations can be adapted from the context described in International Application No. PCT / US11 / 49338, which immediately applies to the electronic wallet / electronic value token context.

In at least one embodiment, a user may enter electronic value tokens (e. G., Debit card related electronic value tokens) from a designated " fully redeemable "designated electronic wallet or secondary wallet to a" Can be easily redistributed. A user may, for example, be required by law in a predetermined number of transfers, for example, six transfers, each month of a calendar from a "save" designated electronic wallet or secondary wallet to a "full repayable" designated electronic wallet or secondary wallet. You may be restricted. The user may designate a one-time transfer via the electronic wallet system's website, IVR, personal digital assistant or smart phone, or by representative customer service. In addition, a user may establish an automatic transfer between a "fully repayable" designated electronic wallet or secondary wallet and a "save" designated electronic wallet or secondary wallet. To encourage saving, users are provided with a variety of transactions, including (a) upon receipt of direct deposit, (b) upon reload / refill / top trade, and / or (c) An option may be presented to automatically transfer a "save" specified electronic wallet or secondary wallet from a "full redemption" designated electronic wallet or secondary wallet that may be triggered by events. The user may select some or all of the available options, and may not choose at all. In addition, the above events can be traded regardless of the current balance of the designated or "save" specified electronic wallet or secondary wallet "fully redeemable". The user may have the ability to select the amount or percentage of electronic value tokens loaded into the "full redeemable" designated electronic wallet or secondary wallet. If the user selects an interval for automatic transfer, the user can select the preferred date. The user may have the flexibility to update, edit, or change the automatic funding options at any time. Any negative "fully redeemable" specified electronic wallet or secondary wallet may need to be calibrated before initiating any automatic or one-time transfer to a "save" designated electronic wallet or secondary wallet. If direct debit cannot be fully provided or not at all, any amount available is taken from a fully reimbursable designated electronic wallet or secondary wallet to a "save" designated electronic wallet or secondary wallet, and the transaction is made to the electronic wallet user. Provide a notification describing the. The direct debit will continue for the specified transfer options and amount.

The electronic value token transaction computer 150 described above may be implemented on any particular machine with sufficient processing power, memory resources, and throughput capabilities to handle the required workload placed on such a computer.

Some or all of the above-described systems may be implemented on any particular machine, or machine, with sufficient processing power, memory resources, and throughput capability to handle the required workload placed on the computer or computers. 5 illustrates a computer system 580 suitable for implementing some or modes of one or more embodiments disclosed herein. Computer system 580 communicates (centralizes with a memory device including secondary storage 584, ROM 586, RAM 588, input / output (I / O) device 590, and network-connected device 592. And a processor 582 (which may be referred to as a processor unit or CPU). The processor 582 may be implemented as one or more CPU chips.

At least one of the CPU 582, the RAM 588 and the ROM 586 may be modified by programming an executable instruction and / or loading it into the computer system 580 so that the computer system 580 may be accessed by the present disclosure To a particular machine or device having the novel functionality taught therein. It is key in the field of electrical engineering and software engineering that the functionality that can be implemented by loading executable software into a computer can be translated into hardware implementations by known design rules. Decisions to implement the concept of software versus hardware typically take into account design stability and the number of units to produce, rather than any issues related to the conversion from software domain to hardware domain. In general, designs that undergo frequent changes may be preferred to be implemented in software because re-presenting hardware implementations is more expensive than re-presenting software designs. In general, a design that is stable in mass production may be preferred to be implemented in hardware, for example, in an ASIC, because hardware implementation may be less costly than software implementation for mass production. Often, the design can be developed and tested in software form and converted into an equivalent hardware implementation in an ASIC that later streamlines the instructions of the software by known design rules. A particular machine or device is in the same manner as a machine controlled by a new ASIC, and likewise, a computer programmed and / or loaded with executable instructions may be regarded as a particular machine or device.

The secondary storage 584 is typically configured for one or more disk drives or tape drives and is used for non-volatile storage of data and for overflow data storage if the RAM 588 is not large enough to hold all of the working data. Secondary storage 584 may be used to store such a program if a program loaded in RAM 588 is selected for execution. ROM 586 is used to store instructions and data that are read during program execution. ROM 586 is a nonvolatile memory device that typically has a smaller memory capacity than the larger memory capacity of secondary storage 584. The RAM 588 is used to store volatile data and also to store instructions. Access to both ROM 586 and RAM 588 is typically faster than access to secondary storage 584. Secondary storage 584, RAM 588, and / or ROM 586 may be referred to in some context as computer readable storage media and / or non-volatile computer readable media.

The I / O device 590 includes a printer, a video monitor, an LCD, a touch screen display, a keyboard, a keypad, a switch, a dial, a mouse, a trackball, a voice recognizer, a card reader, a paper tape reader, can do.

The network connection device 592 may be a transceiver card such as a modem, modem bank, Ethernet card, USB interface card, serial interface, Token Ring card, FDDI card, WLAN card, CDMA, GSM, LTE, WiMAX, Protocol wireless transceiver cards, and other known network devices. This network connection device 592 allows the processor 582 to communicate with the Internet or one or more intranets. By using this network connection, the processor 582 can receive information from the network or output the information to the network while performing the steps of the method described above. This information, which is commonly expressed as a sequence of instructions executed using the processor 582, may be transmitted and received to the network, for example, in the form of computer data signals embodied within a carrier wave.

For example, such information, which may include data or instructions executed using the processor 582, may be received from a network, for example, in the form of a computer data baseband signal or a signal embodied in a carrier wave Can be output to the network. A baseband signal or a signal embodied in a carrier wave, or other types of signals that are currently being used or developed in the future, may be generated according to various methods known to those skilled in the art. The signal embodied within the baseband signal and / or carrier may be referred to as a transient signal in some contexts.

The processor 582 may be a hard disk, a floppy disk, an optical disk (all of these various disk based systems are considered secondary storage 584), a ROM 586, a RAM 588, Execute instructions, code, computer programs, and scripts that are accessed from Although only one processor 582 is shown, there may be multiple processors. Thus, although the instructions may be described as executable by the processor, the instructions may be executed concurrently, serially, or otherwise, by one or more processors. Code, computer program, and / or code that may be accessed from the secondary storage 584, e.g., a hard drive, a floppy disk, an optical disk, and / or other device, a ROM 586, and / Scripts and / or data may in some contexts be referred to as non-transitory instructions and / or non-transitory information.

In one embodiment, computer system 580 may include two or more computers in communication with each other cooperating to perform a task. By way of example, and not limitation, an application may be partitioned in a manner that permits simultaneous and / or parallel processing of the instructions of the application. Alternatively, the data processed by the application may be partitioned in a manner that allows simultaneous and / or parallel processing of different portions of the data set by two or more computers. In one embodiment, the computer system 580 employs virtualization software to provide the functionality of multiple servers that are not directly coupled to the number of computers in the computer system 580. For example, the virtualization software can provide 20 virtual servers on four physical computers. In one embodiment, the functionality described above may be provided by executing applications and / or applications in a cloud computing environment. Cloud computing can include providing computing services over a network connection using dynamically variable computing resources. Cloud computing can be at least partially supported by virtualization software. The cloud computing environment can be established by the enterprise and / or adopted from third party suppliers as needed. Some cloud computing environments may include cloud computing resources owned and operated by an enterprise, as well as cloud computing resources rented and / or employed from third party vendors.

In one embodiment, some or all of the functions described above may be provided as a computer program product. The computer program product may include one or more computer readable storage media in which computer usable program code is embodied to implement the functions described above. The computer program product may include data structures, executable instructions, and other computer usable program code. The computer program product may be embodied in a removable computer storage medium and / or a non-volatile computer storage medium. Removable computer readable storage media includes, but is not limited to, a tape, a magnetic tape, a magnetic disk, an optical disk, a solid state memory chip such as an analog magnetic tape, a CD-ROM disk, a floppy disk, Multimedia cards and the like. The computer program product, by the computer system 580, stores at least a portion of the content of the computer program product by the secondary storage 584, the ROM 586, the RAM 588, and / or other nonvolatile components of the computer system 580. And may be suitable for loading into memory and volatile memory. The processor 582 may partially access executable instructions and / or data structures by directly accessing the computer program product, for example by reading from a CD-ROM disk inserted into a disk drive that is a peripheral device of the computer system 580. Can be processed as Alternatively, the processor 582 may be operatively coupled to the computer program product by remotely accessing the computer program product, e.g., by downloading executable instructions and / or data structures from a remote server via the network connection 592, Can handle data structures The computer program product may store data, data structures, files, and / or executable instructions in a secondary storage 584 of the computer system 580, ROM 586, RAM 588, and / or other non- Instructions to prompt loading and / or copying into memory.

In some contexts, secondary storage 584, ROM 586, and RAM 588 may be referred to as non-volatile computer readable media or computer readable storage media. Likewise, a dynamic RAM embodiment of RAM 588 may store information to be written to the dynamic RAM, for example, while the dynamic RAM receives power and operates in accordance with the design during a period in which the computer 580 is turned on and operable It may be referred to as a non-transitory computer readable medium in that it is. Likewise, processor 582 may include, in some contexts, internal RAM, internal ROM, cache memory, and / or other internal non-volatile storage blocks, sections, or components that may be referred to as non-volatile computer readable or computer readable storage media. It may include.

The order of the steps of the various processes, data flows, and flowcharts is for illustration only and does not necessarily reflect the order in which the various steps should be performed. The steps may be rearranged in other orders in other embodiments to reflect the request, desire, and preference of the entity implementing the system. Also, many of the steps may be performed concurrently with other steps in some embodiments.

Furthermore, the techniques, systems, subsystems, and methods described and illustrated discrete or separately in various embodiments may be combined or combined with other systems, modules, techniques, or methods without departing from the scope of the present disclosure. Can be. Other items shown or described as communicating with or directly connected to each other may be combined via a given interface or device, wherein these items may no longer be considered to be directly coupled to each other and indirectly in an electrical, mechanical, or other manner. It may be combined and communicated. Other examples of changes, substitutions, and modifications will be apparent to those skilled in the art, and may be made without departing from the spirit and scope disclosed. The following numerical items represent non-exclusive sets of exemplary embodiments of the disclosed subject matter.

1. receiving a payment transaction processing request for an electronic wallet;

Identifying authentication information of the request;

Identifying a value token in the electronic wallet; And

Applying at least a portion of the value token to at least a portion of the request.

2. The method of paragraph 1,

Accepting an authentication token to access the electronic wallet.

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

4. The method of claim 1, wherein the electronic purse includes a primary purse and a secondary purse.

5. The method of clause 4,

Further comprising processing at least a portion of the request through the primary purse.

6. The method of clause 4,

Processing at least a portion of the request through the secondary wallet.

7. The method of clause 4, wherein the primary wallet includes the value token,

Determining if the request is for the primary purse; And

Determining if the value token can satisfy the request.

8. The method of claim 7, wherein applying at least some of the value tokens comprises applying at least some of the value tokens of the primary wallet to the request.

9. The method of clause 4, wherein the secondary wallet comprises the value token,

Determining if the request is for the secondary purse; And

Determining if the value token can satisfy the request.

10. The method of claim 9, wherein applying at least some of the value tokens comprises applying at least some of the secondary wallet's value tokens to the request.

11. The method of claim 4, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the secondary wallet has another at least one It comprises a.

12. The method of clause 11, wherein

Determining if some of the requests are related to the primary wallet; And

Determining whether another portion of the request is about the secondary wallet.

13. The method of clause 12, wherein

Applying at least some of the primary wallet's value tokens to the request; And

Further comprising applying at least a portion of the secondary wallet's value token to the request.

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

15. The method of claim 10 or 13, wherein the value token of the secondary wallet is applied to the request in accordance with the rules of the secondary wallet or the request.

16. The system of claim 4, wherein the aggregator system receives the request,

Determining whether at least a portion of the request can be processed in the secondary wallet; And

And sending a portion of the request to a third party in the aggregator system.

17. The apparatus of claim 1, wherein the request comprises a store terminal identification; Authentication information; Purchase amount; Identification of the value token issuer; Identification of the seller; Identification of the location; The date of the request; Primary wallet, secondary wallet, or a combination thereof; Transaction data; Authentication data; Or a combination thereof.

18. The method of claim 1, wherein the value token comprises an electronic representation of a value, wherein the electronic representation of the value is selected from the group consisting of a credit card, a debit card, a gift card, a prepaid phone card, a loyalty card, a membership card, Entertainment cards, sports cards, prepaid cards, coupons, admission tickets, prepaid or pre-purchased goods or services, cash, currency, credit card accounts, debit card accounts, merchant accounts, bank accounts, merchant issued credit cards, A issuance promotional value, a merchant accepted credit card, a merchant accepted reward card, a merchant accepted promotional value, or a combination thereof.

19. The method of claim 18, wherein the value token comprises at least two or more electronic representations of different kinds of values.

20. The method of clause 1, wherein the value token comprises a closed loop account number, and applying at least a portion of the value token comprises depositing or withdrawing a closed loop account associated with the closed loop account number. How to be.

21. The method of claim 1, wherein the value token comprises an open loop account number, and wherein applying at least a portion of the value token comprises depositing or withdrawing an open loop account associated with the open loop account number How to be.

22. The method of claim 1, wherein applying at least a portion of the value token comprises using the value token in accordance with a set of configuration rules that prioritize among the value tokens.

23. The method of clause 22, wherein the priority is determined by: the physical location of the retailer sending the electronic wallet request; Amount of transactions; Type of retailer; Time of day; Day of week; Week of month; Month of year; A department of a retailer sending the electronic wallet request; A lane of a retailer sending the electronic wallet request; Identification of the inspector; The parent company of the retailer sending the electronic wallet request; The value of the value tokens; And a type of the electronic wallet request; Or a combination thereof. ≪ Desc / Clms Page number 22 >

24. The method of claim 1, wherein applying at least a portion of the value token comprises using the value token in accordance with a set of configuration rules specifying a percentage of electronic wallet requests to which the value tokens can be applied Way.

25. The method of clause 1,

Further comprising checking rules associated with said electronic wallet.

26. The method of paragraph 25, wherein examining the rules

Checking the priority of the value tokens.

27. The method of paragraph 25, wherein examining the rules

Checking the percentage of the request;

Wherein applying at least a portion of the value token comprises applying at least a portion of the value token to the request in accordance with the percentage.

28. The system of claim 1, wherein the electronic wallet includes a closed loop related value token and an open loop related value token,

Selecting the closed loop related value token; And

And then selecting the open loop related value token.

29. The electronic wallet of claim 1, wherein the electronic wallet includes an open loop related value token,

Collecting the open loop related value token from what is being applied to the request.

30. The method of clause 1, wherein

Exchanging at least a portion of the value token of the electronic wallet for at least a portion of a second value token that is not in the electronic wallet.

31. The method of clause 30, wherein

Applying the exchange rate to the second value token or the asset in the electronic wallet.

32. The method of claim 30, wherein exchanging at least a portion of the value token of the electronic wallet

Contacting a second value token agent; And

Requesting the second value token distributor to provide the second value token.

33. The electronic wallet of claim 1, wherein the electronic wallet comprises a first secondary wallet and a second secondary wallet, wherein the first secondary wallet comprises a value token,

Placing the value token of the first secondary wallet into the second secondary wallet.

34. The method of clause 1, wherein

Preparing the value token in the electronic wallet.

35. The method of clause 34, wherein the value token is prepared at a different amount than the purchase price.

36. The method of clause 34, wherein preparing the electronic wallet includes encoding a value token having a coupon code.

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

38. The electronic wallet of claim 1, wherein the electronic wallet includes a save designated secondary wallet,

Placing at least a portion of the value token in the secondary wallet for which the save is assigned.

39. receiving a payment transaction processing request for an electronic wallet;

Determining that the request includes valid authentication information;

Determining whether a value token, or a combination of value tokens, associated with the electronic wallet can satisfy the request; And

Applying at least a portion of the value token to at least a portion of the request.

40. The method of clause 39,

Accepting an authentication token to access the electronic wallet.

41. The method of clause 40, wherein the authentication information is based on the authentication token, wherein the authentication token comprises a proxy card, a portable device, a password, a biometric identifier, or a combination thereof.

42. The method of claim 39, wherein the electronic wallet comprises a primary wallet and a secondary wallet.

43. The method of clause 42,

Further comprising processing at least a portion of the request through the primary purse.

44. The method of paragraph 43,

Processing at least a portion of the request through the secondary wallet.

45. The method of clause 42, wherein the primary wallet comprises the value token,

Determining whether the request relates to the primary wallet;

Wherein applying at least some of the value tokens includes applying at least some of the value tokens of the primary wallet to the request.

46. The method of clause 42, wherein the secondary wallet comprises the value token,

Determining whether the request is about the secondary wallet;

Wherein applying at least some of the value tokens comprises applying at least some of the value tokens of the secondary wallet to the request.

47. The method of clause 42, wherein the electronic wallet comprises two or more value tokens, the primary wallet comprises at least one of the two or more value tokens, and the secondary wallet is another at least one of the two or more value tokens It comprises a.

48. The method of paragraph 47,

Determining if some of the requests are related to the primary wallet; And

Determining whether another portion of the request is about the secondary wallet.

49. The method of clause 48,

Applying at least some of the primary wallet's value tokens to the request; And

Further comprising applying at least a portion of the secondary wallet's value token to the request.

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

51. The method of paragraph 46 or 49, wherein the value token of the secondary wallet is applied to the request according to the rules of the secondary wallet or the request.

52. The system of clause 42, wherein the integrator system receives the request,

Determining whether at least a portion of the request can be processed in the secondary wallet; And

And sending a portion of the request to a third party in the aggregator system.

53. receiving a payment transaction processing request for an electronic wallet from a supplier of the primary wallet;

Determining if a value token can satisfy the request; And

Applying at least a portion of the value token to at least a portion of the request.

54. The method of clause 53,

Determining whether the request is about the secondary wallet;

Wherein applying at least some of the value tokens comprises applying at least some of the value tokens of the secondary wallet to the request.

55. The method of clause 53, wherein the secondary wallet comprises a secondary-secondary wallet.

56. The method of clause 55,

Determining whether the request is about the secondary-secondary wallet;

Wherein applying at least some of the value tokens comprises applying at least some of the value tokens of the secondary-secondary wallet to the request.

57. The method of clause 55,

Determining if a portion of the request relates to the secondary wallet; And

Determining whether another portion of the request is related to the secondary-secondary wallet.

58. The method of clause 55, wherein the secondary wallet comprises two or more value tokens, the secondary wallet comprises at least one of the two or more value tokens, and the secondary-secondary wallet is another of the two or more value tokens Comprising at least one.

59. The method of paragraph 58,

Applying at least a portion of the value token of the secondary wallet to the request; And

Applying at least a portion of the value token of the secondary-secondary wallet to the request.

60. The method of clause 54 or 59, wherein the value token of the secondary wallet is applied to the request according to the rules of the secondary wallet or the request.

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

62. receiving a request regarding an electronic wallet, wherein the request includes an electronic wallet request, a balance inquiry request, a registration request, an activation request, a repayment request, or a combination thereof; And

Managing contents of the electronic wallet according to the request, wherein the contents of the electronic wallet are managed.

63. The method of paragraph 62,

Exchanging at least a portion of the value token of the electronic wallet for at least a portion of a second value token that is not in the electronic wallet.

64. The method of paragraph 63,

Applying the exchange rate to the second value token or the asset in the electronic wallet.

65. The method of clause 63, wherein exchanging at least a portion of the value token of the electronic wallet

Contacting a second value token agent; And

Requesting the token valuer to provide the second value token to the second value.

66. The electronic wallet of claim 62, wherein the electronic wallet comprises a first secondary wallet and a second secondary wallet, wherein the first secondary wallet comprises a value token,

Placing the value token of the first secondary wallet into the second secondary wallet.

67. The method of paragraph 62,

Preparing a value token in the electronic wallet.

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

69. The method of paragraph 67, wherein the value token is prepared at a different amount than the purchase price.

70. The method of clause 67, wherein preparing the electronic wallet comprises encoding a value token having a coupon code.

71. The electronic wallet of claim 62, wherein the electronic wallet includes a secondary wallet designated for saving,

Placing at least a portion of the value token in the secondary wallet for which the save is assigned.

72. Allow one or more processors to execute,

Receiving a payment transaction processing request for the electronic wallet;

Identifying authentication information of the request;

Identifying a value token in the electronic wallet; And

Applying at least a portion of the value token to at least a portion of the request, the executable instructions resulting in the non-transitory machine-readable storage medium.

73. Allow one or more processors to execute,

Receiving a payment transaction processing request for the electronic wallet;

Determining that the request includes valid authentication information;

Determining whether a value token, or a combination of value tokens, associated with the electronic wallet can satisfy the request; And

Applying at least a portion of the value token to at least a portion of the request, the executable instructions resulting in the non-transitory machine-readable storage medium.

74. At run time, allow one or more processors to:

Receiving a payment transaction processing request for an electronic wallet from a supplier of the primary wallet;

Determining if a value token can satisfy the request; And

Applying at least a portion of the value token to at least a portion of the request, the executable instructions resulting in the non-transitory machine-readable storage medium.

75. Allow one or more processors to execute,

Receiving a request regarding an electronic wallet, wherein the request includes an electronic wallet request, a balance inquiry request, a registration request, an activation request, a repayment request, or a combination thereof; And

And managing executable contents of the electronic wallet in response to the request.

76. one or more processors;

A memory coupled to at least one of the one or more processors;

The memory is executable by the one or more processors,

Receiving a payment transaction processing request for the electronic wallet;

Identifying authentication information of the request;

Identifying a value token in the electronic wallet; And

Applying executable at least a portion of the value token to at least a portion of the request.

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

78. The system of clause 77, wherein the authentication information is based on the authentication token, wherein the authentication token comprises a proxy card, a portable device, a password, a biometric identifier, or a combination thereof.

79. The system of clause 76, wherein the electronic wallet comprises a primary wallet and a secondary wallet.

80. The system of clause 79, wherein the one or more processors cause at least some of the requests to be processed through the primary wallet.

81. The system of clause 79, wherein the one or more processors cause at least some of the requests to be processed through the secondary wallet.

82. The system of clause 79, wherein the primary wallet comprises the value token, wherein the one or more processors are

Determine whether the request is about the primary wallet; And

Further cause to determine if the value token can satisfy the request.

83. The system of clause 82, wherein applying at least some of the value tokens includes applying at least some of the value tokens of the primary wallet to the request.

84. The method of clause 79, wherein the secondary wallet comprises the value token, wherein the one or more processors are

Determine whether the request is about the secondary wallet; And

Further cause to determine if the value token can satisfy the request.

85. The system of clause 84, wherein applying at least some of the value tokens comprises applying at least some of the value tokens of the secondary wallet to the request.

86. The method of clause 79, wherein the electronic wallet comprises two or more value tokens, the primary wallet comprises at least one of the two or more value tokens, and the secondary wallet is another at least one of the two or more value tokens To include, the system.

87. The system of clause 86, wherein the one or more processors are

Determine if some of the requests are related to the primary wallet; And

Further cause to determine if another part of the request is about the secondary wallet.

88. The method of clause 87, wherein

Apply at least a portion of the value token of the primary wallet to the request; And

And applying at least a portion of the value token of the secondary wallet to the request.

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

90. The system of clauses 85 or 88, wherein the value token of the secondary wallet is applied to the request according to the rules of the secondary wallet or the request.

91. The system of clause 79, wherein an integrator system receives the request, wherein the one or more processors are

Determine whether at least a portion of the request can be processed in the secondary wallet; And

Further causing the sending of a portion of the request to a third party in the integrator system.

92. The system of clause 76, wherein the request comprises a store terminal identification; Authentication information; Purchase amount; Identification of the value token issuer; Identification of the seller; Identification of the location; The date of the request; Primary wallet, secondary wallet, or a combination thereof; Transaction data; Authentication data; Or a combination thereof.

93. The method of clause 76, wherein the value token comprises an electronic representation of a value, the electronic representation of the value comprising a credit card, debit card, gift card, prepaid phone card, loyalty card, membership card, ticket or ticket card, Entertainment Cards, Sports Cards, Prepaid Cards, Coupons, Admission Tickets, Prepaid or Pre-Purchase Products or Services, Cash, Currency, Credit Card Accounts, Debit Card Accounts, Merchant Accounts, Bank Accounts, Merchant Credit Cards, Merchant Point Cards, Merchants A promotional value, a merchant accepted credit card, a merchant accepted reward card, a merchant accepted promotional value, or a combination thereof.

94. The system of clause 93, wherein the value token comprises at least two electronic representations of different kinds of values.

95. The method of clause 76, wherein the value token comprises a closed loop account number, and applying at least a portion of the value token comprises depositing or withdrawing a closed loop account associated with the closed loop account number. , system.

96. The method of clause 76, wherein the value token comprises an open loop account number, and applying at least a portion of the value token comprises depositing or withdrawing an open loop account associated with the open loop account number. , system.

97. The system of clause 76, wherein applying at least a portion of the value tokens comprises using the value tokens according to a set of configuration rules that prioritize among the value tokens.

98. The system of clause 97, wherein the priority is determined by: the physical location of the retailer sending the electronic wallet request; Amount of transactions; Type of retailer; Time of day; Day of week; Week of month; Month of year; A department of a retailer sending the electronic wallet request; A lane of a retailer sending the electronic wallet request; Identification of the inspector; The parent company of the retailer sending the electronic wallet request; The value of the value tokens; And a type of the electronic wallet request; Or a transaction information variable comprising a combination thereof.

99. The method of clause 76, wherein applying at least a portion of the value token comprises using the value token in accordance with a set of configuration rules specifying a percentage of the electronic wallet request to which the value tokens can be applied. , system.

100. The apparatus of claim 76, wherein the one or more processors are

Further caused to check the rules associated with the electronic wallet.

101. Paragraph 100, wherein checking the rules

And checking the priority of the value tokens.

102. Paragraph 100, wherein inspecting the rules

Checking the percentage of the request;

Applying at least a portion of the value token comprises applying at least a portion of the value token to the request according to the percentage.

103. The electronic wallet of claim 76, wherein the electronic wallet comprises a closed loop related value token and an open loop related value token, wherein the one or more processors comprise

Select the closed loop related value token; And

And further caused to select the open loop related value token.

104. The electronic wallet of claim 76, wherein the electronic wallet comprises an open loop related value token, wherein the one or more processors are

Further causing the collection of the open loop related value tokens from being applied to the request.

105. The method of clause 76, wherein the one or more processors are

Further causing the exchange of at least a portion of the value token of the electronic wallet for at least a portion of a second value token that is not in the electronic wallet.

106. The system of clause 105, wherein the one or more processors are

Further caused to apply an exchange rate for the asset in the second value token or the electronic wallet.

107. The method of clause 105, wherein exchanging at least a portion of the value token is

Contact a second value token distributor; And

Requesting the second value token distributor to provide the second value token.

108. The electronic wallet of claim 76, wherein the electronic wallet comprises a first secondary wallet and a second secondary wallet, wherein the first secondary wallet comprises the value token, wherein the one or more processors comprise:

Further cause to place a value token of the first secondary wallet into the second secondary wallet.

109. The apparatus of claim 76, wherein the one or more processors are

Further causing the preparation of the value token in the electronic wallet.

110. The system of clause 109, wherein the value token is prepared at a different amount than the purchase price.

111. The system of clause 109, wherein preparing the electronic wallet includes encoding a value token having a coupon code.

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

113. The electronic wallet of claim 76, wherein the electronic wallet comprises a saved secondary wallet, wherein the one or more processors are

Wherein the save is further caused to place at least a portion of the value token in a designated secondary wallet.

114. One or more processors;

A memory coupled to at least one of the one or more processors;

The memory is executable by the one or more processors,

Receive a payment transaction processing request for the electronic wallet;

Determine that the request includes valid authentication information;

Determine whether a value token, or a combination of value tokens, associated with the electronic wallet can satisfy the request; And

And executable directives to cause at least a portion of the value token to be applied to at least a portion of the request.

115. The apparatus of clause 114, wherein the one or more processors are

The system is further caused to accept an authentication token to access the electronic wallet.

116. The system of clause 115, wherein the authentication information is based on the authentication token, wherein the authentication token comprises a proxy card, a portable device, a password, a biometric identifier, or a combination thereof.

117. The system of clause 114, wherein the electronic wallet comprises a primary wallet and a secondary wallet.

118. The method of clause 117, wherein the one or more processors are

Further causing processing of at least some of the requests through the primary wallet.

119. The system of clause 118, wherein the one or more processors are

Further causing processing of at least another portion of the request through the secondary wallet.

120. The system of clause 117, wherein the primary wallet comprises the value token, wherein the one or more processors are

Determine whether the request is about the primary wallet;

Applying at least some of the value tokens includes applying at least some of the value tokens of the primary wallet to the request.

121. The apparatus of clause 117, wherein the secondary wallet comprises the value token, wherein the one or more processors are

Determine whether the request is about the secondary wallet;

Applying at least some of the value tokens includes applying at least some of the value tokens of the secondary wallet to the request.

122. The electronic wallet of claim 117, wherein the electronic wallet comprises two or more value tokens, the primary wallet comprises at least one of the two or more value tokens, and the secondary wallet is another at least one of the two or more value tokens. To include, the system.

123. The system of clause 122, wherein the one or more processors are

Determine if some of the requests are related to the primary wallet; And

Further cause to determine if another part of the request is about the secondary wallet.

124. The method of clause 123,

Apply at least a portion of the value token of the primary wallet to the request; And

And applying at least a portion of the value token of the secondary wallet to the request.

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

126. The system of clause 121 or 124, wherein the value token of the secondary wallet is applied to the request according to the rules of the secondary wallet or the request.

127. The system of clause 117, wherein an integrator system receives the request, wherein the one or more processors

Determine whether at least a portion of the request can be processed in the secondary wallet; And

Further causing the sending of a portion of the request to a third party in the integrator system.

128. one or more processors;

A memory coupled to at least one of the one or more processors;

The memory is executable by the one or more processors,

Receive a payment transaction processing request for the electronic wallet from a supplier of the primary wallet;

Determine if a value token can satisfy the request; And

And executable directives to cause at least a portion of the value token to be applied to at least a portion of the request.

129. The system of clause 128, wherein the one or more processors are

Further caused to determine if the request is about the secondary wallet;

Wherein applying at least some of the value tokens comprises applying at least some of the value tokens of the secondary wallet to the request.

130. The system of clause 128, wherein the secondary wallet comprises a secondary-secondary wallet.

131. The system of clause 130, wherein the one or more processors are

Is further caused to determine whether the request is about the secondary-secondary wallet;

Wherein applying at least some of the value tokens comprises applying at least some of the value tokens of the secondary-secondary wallet to the request.

132. The system of claim 130, wherein the one or more processors are

Determine if part of the request is for the secondary wallet; And

Further cause to determine if another part of the request is about the secondary-secondary wallet.

133. The method of clause 130, wherein the secondary wallet comprises two or more value tokens, the secondary wallet comprises at least one of the two or more value tokens, and the secondary-secondary wallet is another of the two or more value tokens And at least one.

134. The method of clause 133,

Apply at least a portion of the value token of the secondary wallet to the request; And

And applying at least some of the value tokens of the secondary-secondary wallet to the request.

135. The system of clause 129 or 134, wherein the value token of the secondary wallet is applied to the request according to the rules of the secondary wallet or the request.

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

137. one or more processors;

A memory coupled to at least one of the one or more processors;

The memory is executable by the one or more processors,

Receive a request regarding an electronic wallet, wherein the request includes an electronic wallet request, a balance inquiry request, a registration request, an activation request, a repayment request, or a combination thereof; And

And executable instructions that cause to manage the contents of the electronic wallet in accordance with the request.

138. The method of clause 137, wherein managing the contents of the electronic wallet is

Exchanging at least a portion of the value token of the electronic wallet for at least a portion of a second value token that is not in the electronic wallet.

139. The system of clause 138, wherein the one or more processors are

Further caused to apply an exchange rate for the asset in the second value token or the electronic wallet.

140. The method of clause 138, wherein exchanging at least a portion of the value token of the electronic wallet is

Contact a second value token distributor; And

Requesting the second value token distributor to provide the second value token.

141. The electronic wallet of clause 137, wherein the electronic wallet comprises a first secondary wallet and a second secondary wallet, the first secondary wallet comprising a value token, wherein the one or more processors

Further cause to place a value token of the first secondary wallet into the second secondary wallet.

142. The method of clause 137, wherein the one or more processors are

Further causing the preparation of the value token in the electronic wallet.

143. The system of clause 142, wherein the value token is prepared at a different amount than the purchase price.

144. The system of clause 142, wherein preparing the electronic wallet includes encoding a value token having a coupon code.

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

146. The electronic wallet of clause 137, wherein the electronic wallet comprises a secondary wallet designated for saving, wherein the one or more processors

Wherein the save is further caused to place at least a portion of the value token in a designated secondary wallet.

147. one or more processors;

A memory coupled to at least one of the one or more processors;

The memory is executable by the one or more processors,

Receive a payment transaction processing request for the electronic wallet;

Identify authentication information of the request;

Identify a value token in the electronic wallet; And

And executable directives that cause at least a portion of the value token to apply to at least a portion of the request.

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

149. The system of clause 148, wherein the authentication information is based on the authentication token, wherein the authentication token comprises a proxy card, a portable device, a password, a biometric identifier, or a combination thereof.

150. The system of clause 149, wherein the electronic wallet comprises a primary wallet and a secondary wallet.

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

152. The system of clause 151, wherein the one or more processors are further caused to process at least some of the requests through the secondary wallet.

153. The system of clause 152, wherein the primary wallet comprises the value token, wherein the one or more processors are

Determine whether the request is about the primary wallet; And

Further cause to determine if the value token can satisfy the request.

154. The system of clause 153, wherein applying at least some of the value tokens includes applying at least some of the value tokens of the primary wallet to the request.

155. The system of clause 154, wherein the secondary wallet comprises the value token, wherein the one or more processors are

Determine whether the request is about the secondary wallet; And

Further cause to determine if the value token can satisfy the request.

156. The system of clause 155, wherein applying at least some of the value tokens includes applying at least some of the value tokens of the secondary wallet to the request.

157. The wallet of clause 156, wherein the electronic wallet comprises two or more value tokens, the primary wallet comprises at least one of the two or more value tokens, and the secondary wallet is another at least one of the two or more value tokens. To include, the system.

158. The system of clause 157, wherein the one or more processors are

Determine if some of the requests are related to the primary wallet; And

Further cause to determine if another part of the request is about the secondary wallet.

159. The system of clause 158, wherein the one or more processors are

Apply at least a portion of the value token of the primary wallet to the request; And

Further causing at least some of the value tokens of the secondary wallet to apply to the request.

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

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

 162. The system of clause 159, wherein the value token of the secondary wallet is applied to the request according to the rules of the secondary wallet.

163. The system of clause 159, wherein the value token of the secondary wallet is applied to the request according to the rules of the request.

164. The system of claim 159, wherein an integrator system receives the request, wherein the one or more processors

Determine whether at least a portion of the request can be processed in the secondary wallet; And

Further causing the sending of a portion of the request to a third party in the integrator system.

165. The method of clause 164, wherein the request comprises: a store terminal identification; Authentication information; Purchase amount; Identification of the value token issuer; Identification of the seller; Identification of the location; The date of the request; Primary wallet, secondary wallet, or a combination thereof; Transaction data; Authentication data; Or a combination thereof.

166. The method of clause 165, wherein the value token comprises an electronic representation of a value, the electronic representation of the value being a credit card, debit card, gift card, prepaid phone card, loyalty card, membership card, ticket or ticket card, Entertainment Cards, Sports Cards, Prepaid Cards, Coupons, Admission Tickets, Prepaid or Pre-Purchase Products or Services, Cash, Currency, Credit Card Accounts, Debit Card Accounts, Merchant Accounts, Bank Accounts, Merchant Credit Cards, Merchant Point Cards, Merchants A promotional value, a merchant accepted credit card, a merchant accepted reward card, a merchant accepted promotional value, or a combination thereof.

167. The system of clause 166, wherein the value token further comprises at least two electronic representations of different kinds of values.

168. The method of clause 167, wherein the value token comprises a closed loop account number, and applying at least a portion of the value token comprises depositing or withdrawing a closed loop account associated with the closed loop account number. , system.

169. The method of clause 168, wherein the value token comprises an open loop account number and applying at least a portion of the value token comprises depositing or withdrawing an open loop account associated with the open loop account number. , system.

170. The system of clause 169, wherein applying at least a portion of the value token comprises using the value token according to a set of configuration rules that prioritize among the value tokens.

171. The system of clause 170, wherein the priority is determined by: the physical location of the retailer sending the electronic wallet request; Amount of transactions; Type of retailer; Time of day; Day of week; Week of month; Month of year; A department of a retailer sending the electronic wallet request; A lane of a retailer sending the electronic wallet request; Identification of the inspector; The parent company of the retailer sending the electronic wallet request; The value of the value tokens; And a type of the electronic wallet request; Or a transaction information variable comprising a combination thereof.

172. The method of clause 171, wherein applying at least a portion of the value token comprises using the value token in accordance with a set of configuration rules specifying a percentage of the electronic wallet request to which the value tokens can be applied. , system.

173. The method of clause 172, wherein the one or more processors are

Further caused to check the rules associated with the electronic wallet.

174. Paragraph 173, wherein checking the rules

And checking the priority of the value tokens.

175. The method of clause 174, wherein the checking of the rules

Checking the percentage of the request;

Applying at least a portion of the value token comprises applying at least a portion of the value token to the request according to the percentage.

176. The electronic wallet of claim 175, wherein the electronic wallet comprises a closed loop related value token and an open loop related value token, wherein the one or more processors comprise

Select the closed loop related value token; And

And further caused to select the open loop related value token.

177. The electronic wallet of claim 176, wherein the electronic wallet comprises an open loop related value token, wherein the one or more processors are

Further causing the collection of the open loop related value tokens from being applied to the request.

178. The system of clause 177, wherein the one or more processors are

Further causing the exchange of at least a portion of the value token of the electronic wallet for at least a portion of a second value token that is not in the electronic wallet.

179. The system of clause 178, wherein the one or more processors are

Further caused to apply an exchange rate for the asset in the second value token or the electronic wallet.

180. The method of clause 179, wherein exchanging at least a portion of the value token is

Contact a second value token distributor; And

Requesting the second value token distributor to provide the second value token.

181. The apparatus of claim 180, wherein the electronic wallet comprises a first secondary wallet and a second secondary wallet, wherein the first secondary wallet comprises the value token, wherein the one or more processors comprise:

Further cause to place a value token of the first secondary wallet into the second secondary wallet.

182. The system of clause 181, wherein the one or more processors are

Further causing the preparation of the value token in the electronic wallet.

183. The system of clause 182, wherein the value token is prepared at a different amount than the purchase price.

184. The system of clause 183, wherein preparing the electronic wallet includes encoding a value token having a coupon code.

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

186. The electronic wallet of claim 185, wherein the electronic wallet comprises a secondary wallet designated for saving, wherein the one or more processors

Wherein the save is further caused to place at least a portion of the value token in a designated secondary wallet.

Described herein is an electronic value token transaction processing system that allows a user to purchase, redeem, and / or exchange electronic value tokens in an electronic wallet. It will be apparent to those skilled in the art that modifications may be made without departing from the spirit and scope of the invention. The described embodiments are merely exemplary and are not intended to be limiting. Many variations, combinations, and modifications of the applications disclosed herein are possible and are within the scope of the present invention. Thus, the scope of protection is not limited by the description set forth above, but is defined by the claims that follow the scope including all equivalents of the subject matter of the claims.

Claims (13)

Receiving a payment transaction processing request for the electronic wallet;
Identifying authentication information of the request;
Identifying a value token in the electronic wallet; And
Applying at least a portion of the value token to at least a portion of the request. Receiving a payment transaction processing request for the electronic wallet;
Determining that the request includes valid authentication information;
Determining whether a value token, or a combination of value tokens, associated with the electronic wallet can satisfy the request; And
Applying at least a portion of the value token to at least a portion of the request. Receiving a payment transaction processing request for an electronic wallet from a supplier of the primary wallet;
Determining if a value token can satisfy the request; And
Applying at least a portion of the value token to at least a portion of the request. Receiving a request regarding an electronic wallet; And
Managing the contents of the electronic wallet in accordance with the request, wherein the request includes an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof. How to manage the contents. Allow one or more processors to execute
Receiving a payment transaction processing request for the electronic wallet;
Identifying authentication information of the request;
Identifying a value token in the electronic wallet; And
Applying at least a portion of the value token to at least a portion of the request, the executable instructions resulting in the non-transitory machine-readable storage medium. Allow one or more processors to execute
Receiving a payment transaction processing request for the electronic wallet;
Determining that the request includes valid authentication information;
Determining whether a value token, or a combination of value tokens, associated with the electronic wallet can satisfy the request; And
Applying at least a portion of the value token to at least a portion of the request, the executable instructions resulting in the non-transitory machine-readable storage medium. Allow one or more processors to execute
Receiving a payment transaction processing request for an electronic wallet from a supplier of the primary wallet;
Determining if a value token can satisfy the request; And
Applying at least a portion of the value token to at least a portion of the request, the executable instructions resulting in non-transitory machine-readable storage medium. Allow one or more processors to execute
Receive a request regarding an electronic wallet; And
Executable instructions that result in managing the contents of the electronic wallet in accordance with the request, wherein the request includes an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof. , Non-transitory machine-readable storage medium. One or more processors;
A memory coupled to at least one of the one or more processors;
The memory causes the one or more processors to execute,
Receiving a payment transaction processing request for the electronic wallet;
Identifying the authentication information of the request
Identifying a value token in the electronic wallet; And
Applying executable at least a portion of the value token to at least a portion of the request. One or more processors;
A memory coupled to at least one of the one or more processors;
The memory is executable by the one or more processors,
Receive a payment transaction processing request for the electronic wallet;
Determine that the request includes valid authentication information;
Determine whether a value token, or a combination of value tokens, associated with the electronic wallet can satisfy the request; And
And executable directives to cause at least a portion of the value token to be applied to at least a portion of the request. One or more processors;
A memory coupled to at least one of the one or more processors;
The memory is executable by the one or more processors,
Receive a payment transaction processing request for the electronic wallet from a supplier of the primary wallet;
Determine if a value token can satisfy the request; And
And executable directives to cause at least a portion of the value token to be applied to at least a portion of the request. One or more processors;
A memory coupled to at least one of the one or more processors;
The memory is executable by the one or more processors,
Receive a request regarding an electronic wallet; And
Executable instructions that result in managing the contents of the electronic wallet in accordance with the request, wherein the request includes an electronic wallet request, a balance inquiry request, a registration request, an activation request, a redemption request, or a combination thereof. , system. One or more processors;
A memory coupled to at least one of the one or more processors;
The memory is executable by the one or more processors,
Receive a payment transaction processing request for the electronic wallet;
Identify authentication information of the request;
Identify a value token in the electronic wallet; And
And executable directives that cause at least a portion of the value token to apply to at least a portion of the request.

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