KR20190041539A - A system for payment via electronic wallet - Google Patents

A system for payment via electronic wallet Download PDF

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Publication number
KR20190041539A
KR20190041539A KR1020197010368A KR20197010368A KR20190041539A KR 20190041539 A KR20190041539 A KR 20190041539A KR 1020197010368 A KR1020197010368 A KR 1020197010368A KR 20197010368 A KR20197010368 A KR 20197010368A KR 20190041539 A KR20190041539 A KR 20190041539A
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KR
South Korea
Prior art keywords
electronic
wallet
value token
request
value
Prior art date
Application number
KR1020197010368A
Other languages
Korean (ko)
Inventor
토마스 아리엘 캠포스
케이스 밀러
테리 래치
켈리 디. 하퍼
안사 안사리
Original Assignee
블랙호크 네트워크, 아이엔씨.
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Priority to US201161491791P priority Critical
Priority to US201161491813P priority
Priority to US61/491,813 priority
Priority to US61/491,791 priority
Priority to US201161496397P priority
Priority to US201161496404P priority
Priority to US61/496,397 priority
Priority to US61/496,404 priority
Application filed by 블랙호크 네트워크, 아이엔씨. filed Critical 블랙호크 네트워크, 아이엔씨.
Priority to PCT/US2012/039981 priority patent/WO2012166790A1/en
Publication of KR20190041539A publication Critical patent/KR20190041539A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes involving intelligent token, e.g. electronic purse involving authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Use of an alias or a single-use code

Abstract

For the electronic wallet, receiving a partial processing request of the 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 comprises identifying in the electronic wallet and / or the secondary wallet one or more electronic value tokens that will cover portions of the transaction when used together. The method further includes applying electronic value tokens to portions of the transaction.

Description

BACKGROUND OF THE INVENTION Field of the Invention [0001] The present invention relates to a payment system using an electronic wallet,

Cross-reference to related application

This application is a continuation-in-part of U.S. Provisional Patent Application Nos. 61 / 491,791 and 61 / 491,813, filed on May 31, 2011, entitled " On June 13, 2011, the United States Patent Application Serial Nos. 61 / 496,397 and 61 / 496,404 filed in the name of "System, Method and Apparatus for Generating and Providing Transaction Credit" , Each of which is incorporated herein by reference in its entirety.

The present application is also related to the entirety of the present invention, the subject matter, and U.S. Patent Application No. 11 / 007,662, now U.S. Patent No. 7,280,644, filed December 7, 2004; U.S. Patent Application No. 13 / 040,074, filed March 3, 2011, entitled " System and Method for Electronic Prepaid Account Charging "; U.S. Patent Application No. 10 / 821,815, filed April 9, 2004, entitled " SYSTEM AND METHOD FOR PROVIDING PERSONAL IDENTIFICATION NUMBER ON COMPUTER NETWORK; U.S. Patent Application No. 12 / 786,403, filed May 24, 2010, entitled " System and Method for Supplying a Personal Identification Number Through a Computer Network "; U.S. Patent Application No. 12 / 711,211, filed on February 23, 2010, entitled " System and Method for Supplying a Personal Identification Number Through a Computer Network "; And U.S. Patent Application No. 12 / 719,741, filed on Mar. 8, 2010, entitled "Systems and Methods for Personal Identification Number Supply and Delivery," filed September 6, 2007, U.S. Patent Application No. 11 / 851,337, U.S. Patent No. 7,477,731), continuation of U.S. Patent Application No. 12 / 338,854, filed on December 18, 2008, August 7, 2009, entitled " Transaction Processing Platform for Facilitating Electronic Supply of Multiple Prepaid Services &Quot; which is incorporated herein by reference in its entirety.

BACKGROUND OF THE INVENTION

Currently, the electronic trading market is filled with many kinds of credit cards, debit cards, value embedded cards, and loyalty cards, all of which may be presented by various publishers, vendors, and suppliers. Some of the cards are redeemed from retailers, while others are redeemable by financial institutions. Other cards have promotions attached to them, eg, a loyalty card. However, as card volumes increase and become more complex, configuration and redemption become increasingly difficult, potentially hindering market growth. For example, because you have too many built-in value cards, you might not know or remember that you have a built-in value card for the store while you're buying it in a particular store. In addition, the user may not understand the various types of promotions available to him using the card with the loyalty card, and thus may not benefit from the promotions applicable to his purchase. Historically, cards have been implemented in the same type of medium as plastics and are therefore vulnerable to loss, theft, or simply to keep them at home when needed. As the card-based offerings offered to consumers continue to grow, many consumers are forced to configure, maintain, and maintain their credit, debit, value embedded, royalties, and other types of merchant, vendor, Management, tracking, shipping, and storage. What consumers need today is how to access and use their card assets more efficiently, safely and effectively.

Summary of the Invention

Computer-implemented methods and systems are disclosed herein, and in one embodiment, an electronic purse or a portion thereof (e.g., a secondary purse) is provided that includes functions such as adding / A computer implemented method and system for implementing wallets is described. In one embodiment, the method includes receiving a request to process all or part of a payment transaction for an electronic purse or secondary purse. The method further includes identifying one or more value tokens in the wallet or secondary wallet that will cover all or part of the payment transaction when used together. The method further comprises applying the electronic value tokens to all or a portion of the payment transaction.

In another embodiment, the non-tentative 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 an electronic secondary wallet, The purse includes a secondary purse, and a payment transaction is processed for the purse. The processor is a further cause to identify one or more value tokens in the secondary purse that will cover part of the payment transaction when used together. The processors are further sources of applying the electronic value tokens to portions of a payment transaction.

In yet another embodiment, a system includes one or more processors and a memory coupled to the one or more processors. Wherein the memory includes executable directives 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, wherein the electronic wallet includes the secondary wallet, Is processed for the wallet. The one or more processors are additional causes of identifying one or more value tokens in the secondary wallet that will cover portions of the payment transaction when used together. The one or more processors is a further cause for applying electronic value tokens to portions of a payment transaction.

In one embodiment, an electronic value token transaction computer includes a store interface and an alignment unit, and the data store coupled to the card transaction computer having the stored value includes an electronic wallet unit. The store interface receives requests, and the alignment 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 an electronic wallet unit associated with the authentication information. The electronic value token transaction computer checks the rules associated with the electronic wallet and selects electronic wallet value tokens based on the rules that will cover portions of the payment transaction when used together. The electronic value token transaction computer applies the electronic value tokens to the electronic wallet request.

A brief description of the drawing
Figures 1A, 2A, 2B, and 2C are schematic diagrams of an electronic value token transaction processing system in accordance with at least one embodiment.
1B shows an exemplary embodiment of an electronic purse.
Figures 3A, 3B, and 3C are forward 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 flow diagram illustrating an exemplary process utilized by an electronic value token transaction computer to create an electronic wallet or to add / redeem value tokens to / from an electronic wallet in accordance with at least one embodiment.
4B is a flow diagram illustrating an exemplary process utilized by an electronic value token transaction computer to create an electronic secondary wallet in accordance with at least one embodiment, or to add / redeem value tokens to / from an electronic secondary wallet.
Figure 5 illustrates a specific machine suitable for implementing various embodiments of the present invention.
Figures 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 method for configuring, maintaining, delivering, storing and using all asset methods related to credit, debit, royalties, and value embedded type cards, " e-purse "). As shown in FIG. 1B, the electronic wallet may include authentication information, usage rules, secondary wallet (e.g., for managing credit card related information, debit card related information, and value embedded card-related information separately) E. G., An electronic representation of currency and / or other value associated with credit card related information, debit card related information, and value embedded card-related information contained within said electronic purse / secondary purse) It is a data file that is maintained. In certain embodiments, as reflected in Figures 6A-D, a user may create an electronic wallet, establish rules for the electronic wallet, prepare the electronic wallet, access the electronic wallet, It is possible.

1A, 2A-B, and 4A-B, the electronic value token transaction processing system may be used by users, merchants, vendors, publishers, suppliers, and other interested parties Safe, and effective system for configuring, managing, delivering, storing and using the aforementioned electronic purses and electronic value tokens in financial transactions.

As will be described in greater detail herein, there are certain basic concepts and functions employed by electronic purses and electronic purse-available systems. These concepts include creating an electronic wallet, preparing the electronic wallet (e.g., converting cards of the type to electronic value tokens and associating the electronic value tokens with an electronic wallet, or requiring an electronic value token to be associated with the electronic wallet) Accessing the electronic wallet, and establishing rules for use of the electronic wallet.

Furthermore, as will be described in greater detail herein, the electronic purse may be configured to transmit the entire contents of the electronic wallet (e.g., the primary electronic wallet, any secondary wallets or secondary wallets, and associated electronic value tokens therein) It may be used in a system managed by the supplier. Alternatively, the electronic wallet may be used in a system where only the portion of the contents of the electronic wallet (e.g., the primary electronic wallet and the electronic value tokens therein) is managed by the electronic wallet supplier and one or more ) Administers secondary purses or secondary purses to a third party's electronic value token transaction processing system.

As will be further described herein, any of the two management systems described above allows the system user to fully manage the functions of the user's electronic wallet; Participating in value-added / bonus programs offered by publishers, vendors, and / or other electronic value token-related stakeholders; Participating in card exchange activities (e.g., the user exchanges electronic value tokens held in its electronic purse with electronic value tokens not in the electronic purse); It may be a constituent that can participate in save programs offered by publishers, vendors, and / or other electronic value token-related stakeholders.

FIG. 1A illustrates an exemplary electronic value token transaction processing system 100. In FIG. 1A is a block diagram of an electronic value token transaction computer (e. G., A computer) configured to communicate with store devices 111, one or more authorization systems 160 (e.g., a retailer, a bank, and a credit card) FIG. 1A further shows that the store devices 111 communicate with the proxy card 200 (which will be shown below to illustrate one embodiment of the means by which a user accesses the electronic purse) 180 include an electronic wallet unit 199 including electronic wallets 10 in order.

1B illustrates an electronic purse 10 according to one embodiment and the details of the electronic purse 10 may include any of the various embodiments disclosed herein (e.g., FIGS. 1A, 2A, and 2B) And the management of the electronic wallet 10 may be performed entirely by one electronic wallet system (e.g., the electronic value token transaction processing system 100) Electronic wallet systems (e. G., Electronic value token transaction processing systems 1100 and 1200 and electronic wallet integrator system 1000). ≪ / RTI > 1B is a block diagram of an electronic value token 804 that includes authentication information 801, rules 802, electronic value tokens 804, a secondary wallet 807 for a credit card electronic value token, a secondary wallet (rules 817) Secondary wallet 808 for debit card electronic value token 808 (corresponding to rules 818 and electronic value tokens 828), and secondary wallet 809 for value built-in card electronic value tokens, (Corresponding to rules 819 and electronic value tokens 829). 1A and 1B may be understood in further detail through the following discussion.

To eliminate the increasing complexity of configuration, shipping, security, and redemption, electronically store transaction cards as value tokens in electronic wallets. As used herein, a value token refers to an electronic identifier that can be used to make transactions 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 built-in cards (also referred to as prepaid cards) or their associated electronic representations, such as credit cards, debit cards, gift cards, prepaid phone cards, loyalty cards, membership cards, There are a variety of other physical value expressions such as ticket cards, entertainment cards, sports cards, prepaid cards, coupons, tickets, prepaid or pre-purchased goods or services, In one embodiment, the value token includes cash or money. In one embodiment, the electronic value token includes a credit or debit card or an account. In one embodiment, the value token includes an existing account, such as a merchant account, a bank account, and so on. In one embodiment, the value token includes a credit, point, coupon or promotional value issued and / or allowed by the merchant. In one embodiment, the value token is associated with a prepaid card or account, and unless otherwise indicated, it is to be understood that the various embodiments described herein may be realized by means of a prepaid card or account, for example a merchant gift card.

A physical credit card, debit card, value embedded card, or other physical value representation may be converted to a value token and added to the electronic wallet. For example, physical gift cards or other physical value expressions may be converted into user's electronic wallet value tokens via a store device, a mobile phone, a computer, a short text service (" SMS "), Once 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 electronic wallet of the user during purchase. In this way, the use of the term value token herein refers to electronic representations and physical expressions that can be converted into electronic representations. In at least one embodiment, the physical gift card is inoperable after switching. 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 consumer's use of value tokens typically involves a vendor, redeemer or retailer, and an issuer. In various embodiments, the merchant, redeemer, and publisher may be the same person, others, or persons. A store that makes a value token available for purchase or otherwise in an electronic purse may be called a merchant. Thus, the vendor sells the electronic value tokens themselves, even though the electronic value tokens could be repaid at another business location. An entity that wishes to receive a value token for a business transaction, such as a purchase bid, may be referred to as a redeemer or retailer. For example, a vegetable store may sell an electronic value token for a clothing store. The vegetable shop is a vendor and the garment shop is a redeemer or a retailer. An entity that provides financial support and / or settlement processing for a given value token, such as a prepaid card or account, may be referred to as an issuer. The issuer may include a direct issuer of value tokens, such as a value token with a store brand (e.g., a prepaid card or token with a shop-direct shop brand issued by the merchant, sometimes referred to as a closed loop prepaid card) The merchant may be the issuer and / or the redeemer (e.g., a prepaid card or token issued, sold, redeemed by the same merchant). Publishers also include financial institutions such as banks, VISA, MasterCard, American Express, etc., and the value tokens issued by such institutions are easily accepted by a large number of redeeming traders, Sometimes referred to as an open-loop prepaid card or token). Publishers may also be suppliers of branded electronic wallets, such as Google, Facebook, Twitter, etc., and in some embodiments such brand wallets may be provided by the publisher (e.g., Google "cash" , Facebook e-money, etc.) and include a secondary wallet that includes a gift card-related value token, a secondary wallet that includes a credit card-related value token, a debit card-a secondary wallet , Or a combination thereof.

In general, the electronic value token transaction computer 150 deposits or withdraws an account (or takes other measures of the kind described herein) associated with the electronic value tokens contained in the electronic wallet or secondary wallet. The electronic value token transaction computer 150 may generate or deliver a message to the authorization systems 160 to deposit or withdraw an account associated with the electronic value tokens by the authorization systems 160 Take other measures. 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, the transaction information is distinct from the authentication information. For example, information about a purchase item, a purchase price, a purchase location, etc. is considered as transaction information and distinguished from authentication information such as an authentication token, a PIN, an account number, and the like. Among other things, this information division allows for individual processing and routing and allows for greater efficiency and privacy. For example, in applying the electronic value tokens according to the configuration rules, the priority may be based on transaction information parameters such as the physical location of the retailer sending the electronic wallet request in various embodiments; Transaction amount; Types of retailers; Time of day; Day of the week; Week of the month; Month of the year; Department of retailer sending electronic wallet request; Retailers' lanes sending e-wallet requests; Identification of the inspector; Parent company of retailer sending electronic wallet request; The value of value tokens; And the type of electronic wallet request. The transaction and / or authentication information may be used by systems described herein in conjunction with rule-based decision making (e.g., validating and applying promotions associated with a transaction by checking the transaction data) for security purposes, (E.g., checking the transaction data for a predetermined profile to assist in detecting fraud).

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, discrepancies at this time create discrepancies in the records of the retailer. Specifically, the retailer records transactions between the retailer and the wallet supplier. The retailer will record future redemption via a value token, perhaps to avoid purchasing. In these examples, the third party manager is required to associate the redemption with the transaction.

There may be several ways to prepare or add value tokens to your wallet. For example, a user may pay a value token to a merchant, and the merchant may insert the electronic value token into the purse of the user. Alternatively, the user may obtain a physical representation of the electronic value token from the merchant (e.g., card, slip, printed receipt, etc.) and then transfer the value to the electronic wallet (e.g., User interface). The user may select a number of different retailers associated with the merchant. That is, a given vendor may present a plurality of tokens associated with various retailers. For example, a retailer may offer a promotion and compete for the user's business when purchasing a value token, such as a prepaid account.

Each retailer may require a specific form of value tokens. For example, a retailer may require a 4 digit month / year validity period in addition to a 16 digit card number. Other retailers may require pin numbers, access numbers, card authentication value numbers, card security passwords, and so on. Each piece of information for other retailers may have different names as well as different formats. Thus, if an electronic wallet supplier or host (e.g., a primary electronic wallet supplier) has an electronic representation of value tokens in various formats, such as value embedded cards, credit cards, debit cards, royalties and promotional cards, Will benefit from allowing the management of third parties to be more expensive if they are managed by the primary electronic wallet supplier.

In one embodiment, the value tokens associated with prepaid cards or accounts may be connected to the secondary purse in the purse (e.g., a primary purse, a branded electronic purse, e.g., a secondary purse of a Google electronic purse) The secondary wallet may be managed on behalf of the primary / main wallet owner or the supplier. For example, during a transaction involving pre-paid cards or value tokens associated with accounts (e.g., electronic or virtual value cards), the electronic wallet supplier may control a portion of the transaction by a secondary purse connected to the value tokens This is sometimes referred to as a secondary transaction. In one embodiment, the secondary transaction includes an electronic prepaid card or an account-related transaction such as reimbursement, value-added (e.g., supplement), activation, closing, fraud detection, Specifically, the third-party manager manages transactions quickly and inexpensively, including, but not limited to, providing and / or determining an appropriate format for the secondary transaction, and further, administering transactions with the primary electronic wallet owner or supplier Cooperate and / or independently execute the secondary transaction. Such a format may include information / data (e.g., type of card number, security password, etc.) and / or certain transaction related information or data format (e.g., a messaging field or receipt / Other data format for data transmission, card type, transaction type, security 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 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 the subsequent transaction formats and vocabularies, Processing is performed. In one embodiment, the user may wish to add a value token to the electronic wallet using a physical value built-in card. A user is asked to identify a retailer connected to a value embedded card, e.g., via a user interface located in a store, (e.g., in one embodiment, a shop connected to the personal computer, such as an online shopping through a website). In another embodiment, a user provides information associated with a value storage token via a web-based or personal digital assistant interface (e.g., a mobile phone application). Thus, an appropriate format may be referenced from the database based on data provided by the user, and the user may view the picture representation, or other model representation of the physical value embedded card with specific input information highlighted in the model. As such, the user knows exactly what input is needed to add the electronic value token to the electronic wallet. The 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 manager to meet the requirements for additional formats. The example illustrated is simple, but more complex transactions are possible. As will be more fully described here, (i) transactions involving the use of primary and / or secondary wallet value tokens for a portion of a transaction may involve (ii) transferring the primary and / or secondary wallet value token to another type of value token Or a value token associated with retailers. For example, a user may want to exchange a value token associated with a retailer that the user does not trade often with a value token associated with the retailer that the user frequently trades with. Moreover, the third-party manager may use the transaction format associated with the identified retailer to reconcile the transaction or secondary transaction (e.g., withdraw and deposit a prepaid account). In this case, it is convenient and often necessary to use the appropriate transaction format.

As indicated above, an electronic secondary wallet is a particularly limited part of an electronic wallet that is in or associated with a particular electronic wallet (e.g., primary or main wallet). The secondary wallet may be maintained by a manager, processor, and / or supplier of the primary or main electronic wallet, or may be managed by another side, system, processor, subroutine, or server. By managing the electronic secondary wallet separately, the primary electronic wallet supplier and the user can enjoy the advantage of 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 a separate electronic secondary wallet. Thus, while the 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, Manage transactions / perform transactions, and free such third parties from expensive banking transactions and credit regulations. In addition, third-party managers can take advantage of economies of scale to receive payment for their services through arbitrage transactions, fees, or per transaction.

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

The access to the electronic wallet may be gated or protected by other means for securely accessing the authentication token or electronic wallet, such as a personal digital assistant or mobile device such as a proxy card or smart phone. Other embodiments for accessing the electronic wallet include non-card access such as number / password combinations, passwordless numbers, etc. Biometric information may also be used for authentication and access purposes, such as fingerprint or iris output. Local 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, the short range communication technology may be implemented by a user via a proxy card (e.g., 200, 201, or 203), a personal computer, a personal digital assistant, a smartphone 204, have. Thus, the authentication token may be of type, intangible, or a combination thereof. In one embodiment, the authentication token may be created, created, and / or formed at the beginning of an electronic transaction to uniquely identify the electronic transaction. In one embodiment, the uniquely generated authentication token includes 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 yet 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 Figures 3A, 3B, and 3C. 3A shows a proxy card 200 in which authentication information 211 is encoded in the card 200 by a barcode readable by an optical scanner. FIG. 3B shows a proxy card 201 in which the authentication information 211 is encoded in a magnetic stripe on the card 201. FIG. FIG. 3B shows a proxy card 203 in which the authentication information 211 is encoded in a local communication chip on the card 201. FIG. In some embodiments, the proxy card may have one magnetic stripe and a bar code (or a plurality of magnetic strips and / or bar codes), and one or more of them may include the authentication information 211. The proxy cards 200, 201, 203 are made of suitable primary materials such as plastic, paper, plastic coated paper, laminates, or combinations thereof. The proxy cards 200, 201, 203 are typically made in the range of about 0.005 to about 0.040 inch thickness. Each of the proxy cards 200, 201 and 203 includes authentication information 211 corresponding to an electronic purse such as an account number, a serial number, an authorization code, a digital signature, an electronic key or a key code, . The proxy card authentication information 211 is unique to the proxy card, and associates the proxy card with the electronic wallet. In one embodiment, the association is stored in a database accessible by the electronic wallet administrator. The authentication information 211 includes a barcode on the proxy card 200 as shown in FIG. 3A, a magnetic stripe on the proxy card 201 as shown in FIG. 3B, a proxy card 203 as shown in FIG. 3C, A series of numbers, a series of characters, or a combination thereof. The proxy cards 200, 201, 203 may also be organized into personal identification numbers or pins that correspond to the authentication information 211 and enable access to and / or use of the electronic purse, . In one embodiment, the PIN may be encoded into a bar code, a magnetic stripe, a series of numbers, a series of characters, or a combination thereof. In one embodiment, the PIN may be packaged and hidden from view, such as a scrape band or peel off label, or a combination thereof. In some embodiments, the proxy card includes a card security password (CSC), a card authentication value (CVV or CV2), a card authentication value code (CVVC), a card authentication code (CVC), an authentication code (V- , Card code authentication (CCV), credit card ID (CCID), or a combination thereof, and the codes may be used in an authorization or authentication transaction (with any other authentication data or tokens described herein) , E. G., With an electronic wallet payment for a purchase transaction in a shop.

FIG. 3B shows a proxy card 201 in which the authentication information 211 is encoded into a magnetic stripe on the card 201. FIG. The magnetic strip may be made of a conventional structure, such as deposited from the slurry, located on the card 201, and scanned in a magnetic stripe reader, e.g., a transponder of Berry Phones. For further security, the authentication information 211 may also implement an encryption algorithm prior to encoding on the magnetic stripe.

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

In other embodiments, an apparatus having a structure that translates a series of figures corresponding to a human or package identifier by placing a series of numbers, a series of characters, or a combination thereof on the proxy cards 200 and 201, That is, read or interpreted by an optical character recognition apparatus. Any suitable authentication token, such as virtual or non-carded authentication tokens, cellular telephone, etc., as described herein, may be used in various embodiments described herein.

In yet another embodiment, for example, a proxy card 203, a short range communication technology, a radio frequency identification (RFID) tag, a microprocessor, and / or a microchip may be located on the proxy card, You may. The RFID tag, the microprocessor, and / or the microchip may be added to or used in place of the barcode 255 on the proxy card 200 and the magnetic stripe 256 on the proxy card 201, Or in combination with other means of encoding authentication information. Alternatively, the RFID or other means may be used by a user operating device (e.g., a personal digital assistant, e.g., a smart phone) to provide electronic wallet access and / or authorization . In one embodiment, the authentication token is associated with a personal digital assistant, e.g., smartphone 204, as shown in FIG. 3D. For example, an electronic wallet that is stored and / or accessed via a telephone may include an authentication token, or may contain hardware and / or proprietary electronic data (e.g., authentication data such as serial Number, MAC address, SIM card, digital signature, electronic key, user ID, telephone number, password, etc.). The phone may communicate with the store device and data associated with the authentication token for authentication and transaction purposes using local communication. For example, the phone may be communicated near the store device and may transmit user and / or wallet information and authentication information to the store device using a near field communication protocol. The phone may leave all or a portion of the purse and / or authentication information, while the store device is left to determine which portion is applicable to the current transaction, , I.e., information to be used during the current transaction, to the shop apparatus. That is, the logic for delivering the wallet and / or authentication information to / from the authentication token (e.g., phone) and the 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 a user, e.g., a camera or scanner, and associated applications for verifying user-related biometric information, and upon user authentication, the phone sends a successful authentication to the store device will be. The merchandise store may communicate with the wallet owner or supplier (e.g., the primary electronic wallet owner) and any secondary wallet owners or suppliers, e.g., third party managers. In another example, the store device may communicate with the wallet owner or supplier (e.g., the primary electronic wallet owner) and the wallet owner or supplier may communicate with a third party administrator, e.g., a second wallet owner or manager . In spite of a plurality of configurations enabling communication, since the parties use the expandable structure, transactions may be delayed without delay to the customer in real time.

In one embodiment, the authentication device is a proxy card. Although the proxy card is not a physical card, the proxy card is similar in appearance to a credit card, debit card, and / or value embedded card, thus helping to adopt and access the electronic wallet. I know. Thus, despite the physical representation, consumers may have a day when they think of a proxy card as being rolled into one card or simply thinking of a proxy card as the purse itself. The authentication tokens may take the form of a mobile device, a personal identification number, a telephone number plus a personal identification number, a password, a username plus password, a biometric identifier name, etc., or a type or associated with intangible embodiments and / It is possible. Authentication tokens are provided and / or linked, including authentication information (e. G., Electronic authentication data or information) that associates a user with an electronic wallet. Thus, a plurality of value tokens included in the electronic purse (or its secondary purse) is associated with the user.

1A, the electronic value token trading computer 150 accesses the electronic purse 10 from the data store 180. [ The prepaid or value embedded card electronic value token may include electronic representations such as gift cards, loyalty cards, promotions, and the like. The POS device 111 obtains authentication information from an electronic wallet user via an authentication token, such as a smart phone or proxy card 200, and provides the electronic value token transaction computer 110 with purchase information and / (And, in some instances, the rules for allocating the contents of the electronic wallet for the requested transaction) The electronic value token transaction computer 150 may use the authentication information to locate the correct electronic wallet 10 or secondary wallet in the data store 180 and activate it in an electronic value token (e.g., a primary wallet or a secondary purse (Such as adding a value token to a value token, activating a value token, withdrawing a value token, topping a value token, checking the balance of a value token, etc.) , 1100, 1200), or a combination thereof, to the electronic wallet. For example, in a purchase transaction, the electronic value token transaction computer 150 may use an electronic value to cover the purchase according to a rule, for example, a rule for adjusting a purchase price by applying or repaying a value token, Select the token.

2A and 2B, the electronic value token transaction computer 150 includes a rule unit 159. [ The rule unit 159 may be provided, selected, and / or required by an electronic wallet user, an electronic wallet supplier, merchants that accept electronic wallets, an electronic value token issuer, an electronic wallet transaction system administrator, Manage, connect, and implement functions for the electronic wallet (and secondary wallet) rules such as the one described above. The rule unit 159 may serve to connect provided and selected and / or required rules with the electronic wallet and the secondary wallet that are held in the database 180 and / or the electronic wallet unit 199. The rule unit 159 may include a rules engine for deriving rules that should be applied to a transaction in the absence of (or instead of) any particular rule provided or selected by any other rule-granting entity. The rule unit 159 includes (i) an electronic wallet user input (e.g., a kiosk, a smartphone, a personal digital assistant, and an internet accessible user interface); Electronic wallet supplier input; (iii) input by the electronic wallet system administrator; (iv), or any combination thereof to provide electronic wallet / secondary wallet rule data that can be filled. For example, an electronic wallet user may, through a kiosk 189 interface, provide a specific and customized rule detailing how an electronic value token included in the electronic wallet should be prioritized for use in satisfying a transaction To the electronic value token transaction computer 150. Alternatively, if the same electronic wallet user, simply select the type of rule that can be applied to the electronic wallet from the list of options provided by the kiosk 189 display. There may also be instances where, for example, a particular law, regulation, and / or policy requires the electronic wallet to limit selected transactions per period to a given number (e.g., from a save-only electronic wallet) .

In one embodiment, the rules may be generated and configured by the user as a flow chart for selecting a value token based on purchase information. For example, the rule may include choosing a value token associated with a closed loop (X brand store) for an arbitrary amount of X store purchases and may include an open loop related (credit card Y) value token due to any remaining purchasing balance You can also choose to fund the remaining balance. Alternatively, the user should not use the open-loop-related electronic value token to satisfy the balance for purchasing the electronic value token associated with the closed-loop, but rather use the debit card-related electronic value token in the electronic wallet to fulfill the balance You can call the rule that As such, a user may access or apply multiple value tokens with efficiency using one authentication token (e.g., 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 for each time it takes to use only one physical card, such as a prepaid card, debit card or credit card . By saving time, users, retailers, publishers, vendors, merchants, advertisers, and other parties can easily access multiple sources of value (eg, multiple accounts associated with multiple value tokens), promotional opportunities, Data mining, promotional and advertising effects on transaction tracking and customer buying behavior, real-time / point-to-point or product promotion opportunities for product selection.

In another embodiment, the rules may be set by the electronic wallet system supplier (e.g., primary and / or secondary electronic purse suppliers or owners). If there is no available customization rule (or if the rules of the system precede the specified transaction activity according to the terms of the user's electronic wallet usage agreement), the electronic wallet system supplier may establish rules for electronic wallet allocation. For example, the electronic wallet system may direct the electronic value token transaction computer 150 to send the electronic value token transaction computer 150 to the user when the transaction is considered, related to, or involved with a related party and / May apply the electronic wallet system supplier's own brand electronic value token in the electronic wallet of FIG. As such, this type of rule will enable maximizing revenue or other business goals based on the use of synergistic effects with the electronic wallet system for the electronic wallet system supplier and / or its associated parties and / or contract- .

In another embodiment, the rules of the electronic wallet may be made to automatically derive an electronic value token exchange activity (electronic value token exchange will be discussed in more detail herein). For example, the electronic wallet user may manage the electronic wallet by managing the electronic wallet (e.g., as described in more detail herein with respect to Figures 6A-6D) When the electronic wallet does not include a retailer Q brand electronic value token, the electronic wallet automatically, in real time, sends the electronic wallet to the electronic value token transaction computer 150 as an electronic value You will begin an electronic value token exchange process that communicates 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 a store's brand value token in real time, such as a credit account). In this example, the electronic wallet user places all electronic value tokens (gift card type electronic value tokens) associated with the prepaid service in the designated secondary wallet by managing the electronic wallet, 22 types of electronic value tokens or token types (e. G., # 22, secondary wallet e value tokens) are most preferably preferred from the electronic value token or token type (e.g., # 1) / RTI > may be located / placed / assigned in the secondary wallet as a " 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 least preferred. Also in the above example, in the electronic wallet, in a situation where the electronic wallet is presented by a retailer that does not include a retailer's electronic value token at all, A rule by the user is also provided, indicating the electronic purse, for example, in the retailer Q scenario described above, the electronic wallet rule is applied to the purse of the retailer, To initiate an electronic value token exchange request by directing the electronic wallet and providing the customer with the least preferred electronic value token in the electronic wallet for an amount sufficient to satisfy the original transaction volume for the retailer Q electronic value token, The electronic value token # 22 of the electronic value token # 20, and so on in the request. The electronic value token trading computer 150 communicates with the electronic value token exchange program 2000 in accordance with an electronic value token exchange request (which is part of the electronic value token transaction processing system 100, 1100, or 1200) Perform a value token exchange. The requested electronic value token exchange is performed, and the electronic wallet receives the requested retailer's Q brand electronic value token, which is used at the same time to perform the initial transaction, and the electronic wallet stores the retailer's L brand electronic value token To the electronic value token transaction computer 150 (or make it unusable for use and for use for modification purposes only), in which case it is effectively evaluated in excess of the requested retailer Q brand electronic value token. As such, the electronic value token transaction computer 150 modifies the value of the retailer's L brand electronic value token (either internally or via communication with the issuer of the electronic value token of the retailer's L brand) to provide the provided retailer Q Reflects the brand e-value token-based depreciation and extracts exchange rates for the exchange of retailer Q brand electronic value tokens for retailer L brand electronic value tokens (as discussed more fully here) Communicates the transaction information to the customer, and returns (or re-enables) the value modification retailer L brand value token to the user's electronic wallet. In another embodiment, the electronic value token exchange rule of the electronic wallet is such that the electronic wallet inquires of the electronic value token transaction computer 150 about the highest exchange rate of the electronic value token in the electronic wallet, The exchange rate is based on the best exchange rate.

2A illustrates an exemplary electronic value token transaction processing system 100 in accordance with one embodiment. As shown, the electronic value token transaction processing system comprises: (a) one or more store devices 111; (b) an electronic wallet processing system, e.g., an electronic value token trading computer 150; (c) a data store 180 including an electronic purse unit 199 for storing electronic value tokens, e.g., 804, 827, 828, and 829, such as an account number, electronic wallet account information, "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 tokens; (d) one or more individual issuer authorization systems 160; And (e) any other units included in the system by the electronic value token transaction computer manager 151. In one embodiment, the electronic value token transaction computer 150 includes an add value determination unit 153, a store ("POS") interface 152, a message modification unit 154, a coordination unit 155, An alignment unit 156, an application unit 157, and an alignment unit 198. In one embodiment, the electronic value token trading computer 150 (or a unit thereof, e.g., the aligning unit 189) further includes a token exchange interface in communication with the electronic value token exchange program 2000. The POS interface 152 is used by the electronic value token trading computer 150 to communicate with the store device 111 via the Internet, a public switched telephone network (" PSTN "), . Similarly, the electronic value token trading computer 150 may access the issuer system interface 156 via the issuer system interface 156, for example via the Internet, the Public Switched Telephone Network (" PSTN "), System 160, as shown in FIG. Communications (106, 107) between the POS interface (152) and the store device (111) and communications between the publisher system interface (156) and the issuer authorization systems May be encrypted for additional security and / or may use a virtual private network (" VPN "). The alignment unit 198 may classify the communications into various categories to route in various ways. For example, the alignment unit 198 may be configured to determine whether an electronic purse and / or secondary wallet requests (e.g., upon receipt of transaction requests and authorization information, A secondary purse connected to a particular electronic wallet and / or a specific secondary purse or electronic wallet), a balance inquiry request, a registration request, an activation request, a repayment request, and maintenance requests to route to various units of FIG. 2A You may. The electronic value token transaction computer 150 or the 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 (typically a reseller and / or a redeemer or retailer, but alternatively a kiosk 189 or a home of a user configured to act as a store, In the office, for example on-line transactions, the authentication token is interpreted by the shop interpretation unit 101 (e.g., a card reader). The store interpretation unit 101 may be used for interrogating 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 inputting a token identification number) Interpreting, capturing, or otherwise inputting information.

An electronic wallet transaction request is made by the store transaction unit 104 at substantially the same time (or alternatively, before or after) the interpretation of the authentication token. The merchant transaction unit 104 may be a merchant transaction unit 104 or a merchant transaction unit 104 that is connected to a store, such as a person, an electronic input device, a register or terminal, a computer processing unit (" CPU "), a personal computer, a personal digital assistant And / or a 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 store registers / terminals or the personal computer during the individual units, e.g., online, web based transactions Or may be performed by one unit capable of performing all of the operations to be performed.

The shop interpretation unit 101 and the shop transaction unit 104 are in communication with the shop processing unit 105. The store processing unit 105 may include a CPU or other type of processing device that is accepted for use in the industry. The shop interpretation unit 101 communicates the authentication information 102 to the shop processing unit 105. [ The shop transaction unit 104 communicates the request 103 to the shop processing unit 105 for electronic wallet transactions. The store processing unit 105 may combine this information with the electronic value token transaction computer 150 (e.g., send a message requesting an electronic wallet transaction with associated transaction and / or authentication data) . In one embodiment, the store processing unit 105 is associated with the POS retailer from the electronic value token transaction computer 150 (or a secondary manager or unit associated therewith, such as a secondary wallet manager) and / And / or to store and / or receive a transaction format associated with the value token, format the transaction request or message, derive the user for additional information, or other data collection, or send / receive properties in the store You may use such a transaction format to do so. For example, a user who buys from a retailer operates a card reader. The card reader may be a display and a barcode reader with an input device or a magnetic stripe scanner. The card reader may be touch sensitive and may have various buttons used for input. Along with the card reader prompts, the user sees "debit," "credit," and "electronic wallet" options. The user selects " electronic purse. &Quot; The user then sees the options "purchase," "add tokens," and "remove tokens." The user selects " purchase ". Following the additional suggestions (which in one embodiment are for a transaction format having specificity 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 are all performed by the individual units (E. G., An integrated POS device, e. G., A computerized register). ≪ / RTI >

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 stores an associated identifier that may be transmitted to the electronic value token transaction computer 150 during connection of the store processing unit 105 to the electronic value token transaction computer 150 Identifier or serial number). Each store processing unit 105 may include a plurality of shop transaction units, for example, corresponding to individual terminals each having its own terminal identification, which exists in a given shop location.

2A, the electronic value token trading computer 150 is configured as follows: (a) (e.g., via the store device 111, a customer Internet access, or a kiosk 189) Authorized to access the electronic value token transaction computer 150 by the issuer / merchant and / or vendor, the issuer authorization systems 160 of the issuer, and the electronic value token transaction computer manager 151, Establish a secure connection with entities 190; (b) requesting and receiving redeeming or adding value tokens to electronic purses in conjunction with issuer authorization systems 160; (c) repay all or a portion of the electronic value tokens associated with said electronic wallet in conjunction with issuer authorization systems 160; (d) generating and maintaining a transaction log (170) for all activities performed; (e) generating and maintaining an error log (175) and its reason for all activities ended in failure; (f) redeeming or adding value tokens to the retailers / traders and / or vendors (e.g., via the POS unit 111) and redeeming or adding value tokens to electronic purses Communicating any accompanying information; And (g) communicates to the retailer / merchant and / or vendor (e.g., via the POS unit 111) any reasons why transactions should not be terminated.

The electronic value token transaction computer 150 accesses the data store 180; Generating a transaction log 170; Generating and maintaining an error log 175; For example, communication with retailers / merchants and / or vendors in stores, including via the Internet for on-line trading purposes; Communicating with the individual issuer granting systems 160; Handle individual value tokens and electronic wallet requests; Handling repayment requests; Processing additional value functions to add additional cash value additions or electronic coupons for the particular product (s) or service (s); Processing repayment requests for electronic coupons for certain product (s) or service (s); And a single processing unit (e. G., A single processing unit (e. G., A single processing unit < / RTI > (E.g., a centralized server), a plurality of processing units (e.g., a distributed computing system having distributed and communicating with the various units), or a combination thereof.

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

The data store 180 also maintains records associated with each electronic wallet and / or secondary wallet: (a) the timing of the registration activity and other information about it; (b) the timing of management activities and other information related thereto; (c) timing of trading activities and other information about them; (e) applicable rules; (f) Identification of internal issuer electronic value tokens; (f) Identification of the secondary purses concerned; (h) any other records required by publishers, merchants, vendors, advertisers, users, or other interested parties; And (i) any combination thereof. While a single data store 180 is shown, it should be understood that a plurality of data stores may be used, and that the relevant data among the data stores may be partitioned 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 data stores that are closely coupled and / or closely located to one or more of a lower unit, a sub-processor, a third party processor, the other connected to the electronic value token transaction computer 150, The data stores have data used by the lower unit, the lower processor, and the third party processor.

The electronic value token transaction computer 150 is also configured to generate and maintain a transaction log 170 of all activities that the electronic value token transaction computer 150 is involved in. The transaction log may include, for example, a detailed description of the following transaction types: (a) a request to add a value token; (b) Request to sell value tokens; (c) a request to redeem the value token; (d) a request to exchange value tokens; (e) the amount of money due to additional value tokens; (f) the amount of money due to the repayment of the value token; (g) the amount of money due to the exchange of value tokens; (h) adding value-added products, products or services; (i) reimbursement of value added, product or service; (j) the time at which the electronic value token was added; (k) the time at which the electronic value token was repaid; (l) a transaction or contact with the issuer to add a value token; (m) the transaction or contact with the issuer for the redeeming of the value token; (n) a PIN that is contacted by the vendor in response to a request to add a value token that requires a PIN to be used; (p) setting up an electronic wallet; (q) electronic wallet trading activity; (r) electronic wallet save activity; (s) electronic wallet management activities; (t) any other information that the electronic value token transaction computer manager 151 directs the electronic value token transaction computer 150 to maintain as log entry; And (u) any combination thereof.

The information contained in the transaction log 170 may be used for data mining purposes such as reconciliation reports, settlement reports, settlement reports, audit reports, electronic wallet registration reports, electronic wallet management reports, electronic wallet usage reports, electronic wallet save reports, Token purchase report, electronic value token redemption report, electronic value token exchange report, electronic value token sales report, or electronic value token transaction manager 151, data store manager 181, vendors, publishers, May be used to generate benefits, use of, or other forms of information gathering to prepare for, authorization systems 160, redeeming merchants, or other stakeholders. For example, the transaction log 170 may include information about each transaction performed by the electronic value token transaction computer 150 (and its subcomponents) and may include various vendors, merchants, publishers, May be used by the reconciliation unit 155 when adjusting accounts belonging to the electronic value token transaction processing system manager (s). Additional data mining considerations that may provide for records, analysis, and / or stakeholders (eg, vendors, merchants, publishers, advertisers, etc.) include: (i) buying habits of electronic wallet users; (ii) purchase, sell, repay and exchange 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).

The supervision and maintenance of the electronic value token transaction computer is performed by the electronic value token transaction computer manager 151. In another embodiment, although not required, the electronic value token transaction computer manager 151 may also function as the data store manager 181. The electronic value token transaction computer 150 is configured to generate and maintain an error log and reasons for all uncompleted transactions. In some embodiments, the error log is managed by the electronic value token transaction computer manager 151.

The electronic value token transaction computer 150 also has authority to access the electronic value token transaction processing system, and in particular, other entities 190 that are authorized to access the electronic value token transaction computer 150, . These other entities may be a third party payment management system, a third party audit system, an affiliate of an issuer, a distributor affiliate, a redeemer or redeemer affiliate, a financial institution such as a bank, a credit card institution, Other entities provided with access by the user 151, or other entities entitled to grant access rights.

A transaction request at a store device 111, or other access point, associated with an electronic wallet may include one or more of the following information: (a) authentication information, (b) store terminal identification, (c) (H) the seller's location, (i) the product (s) being purchased, and / or (d) the request time, (e) the date of request, (f) the issuer's identification, (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. (L), and combinations thereof. However, the information included in the request is not limited to the enumerated list, and may be added to the enumerated item or include other items in place of the enumerated item.

The electronic value token transaction computer 150 accesses the electronic wallet unit of the data store 180 when the electronic wallet transaction request is received at the shop and confirmed and classified by the sorting unit 198. The electronic value token trading computer 150 processes information contained in the data store 180 and communicates with the individual issuer authorization systems 160 (109, 110) to manage the electronic value tokens and corresponding accounts . The message modification unit can adjust the message and the request so that multiple units, sub-components / processors, or third party managers can recognize and correctly interpret the message. For example, after the electronic value token transaction computer 150 has determined the issuer authorization systems 160 for the individual issuer associated with the request, the message modification unit 154 accesses the database 180, After determining the appropriate transaction messaging format for issuer authorizing systems 160, the individual issuer issuing systems 160 may then use individual issuer issuing systems 160 with designated < RTI ID = 0.0 > and / Lt; / RTI > The electronic value token transaction computer 150 communication with the individual issuer authorization systems 160 may occur simultaneously or independently. The electronic value token transaction computer 150 is connectable to individual issuer authentication systems over a suitable network, such as a PSTN, the Internet, or an independent dedicated network. The electronic value token transaction computer 150 is a configuration for originating and / or receiving communication 110 from the issuer authorization systems 160 with respect to the status of the electronic value token.

The reconciliation unit 155 adjusts the accounts of various publishers, merchant sellers, and / or redeeming merchants to provide appropriate merchants, vendors, electronic value token transaction processing system managers, And issuers, and reflect which entities have 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 the electronic value token to the user's electronic wallet, And / or receive a percentage of a predetermined amount to process a purchase amount and / or transaction, and the issuer receives the remainder. If the value tokens issued by the issuer Y are to be repaid by the merchant X to purchase the items, the amount to be repurchased is withdrawn to the issuer Y, deposited to the merchant ' s X, and sometimes the transaction fee and / The transaction or processing fee collected by the value-token transaction processing system administrator is deducted.

The electronic value token trading computer 150 is also an authorization system so that the electronic value token transaction computer 150 is able to authenticate the authorization unit 157 when authorizing the electronic wallet request rather than sending a request for authorization purposes to issuer authorization systems 160 ) Is used. The authorization unit 157 may perform the same and / or other functions as those described for the authorization systems 160.

 The authorization unit 157 will check the format (e.g., primary or secondary wallet) of the electronic wallet transaction request received at the POS processor 105 (or other transaction inducing device / component / processor). That is, the authorization unit 157 checks the data field of the request to make sure that the fields are filled with data and that the data is in the correct format (e.g., length, alphanumeric format). If the request format is not valid, the authorization unit 157 may reject the request, or in some embodiments may retrieve the appropriate format (e.g., from the format database), modify the transaction request to comply with the proper format have. The authorization unit 157 also performs various validity checks on the request request. The authorization unit 157 verifies the following card related transaction information based on analysis of various conditions: 1) For the electronic value token transaction processing system 100, the UPC code is stored in the data store 180 Other database, such as a database of databases); 2) Determine if the value of the requested transaction corresponds to the customer's payment for the target transaction request, e.g., if the UPC information identifies a card such as a $ 25.00 card, and the corresponding transaction request includes a payment of $ 25.00 by the customer Whether; 3) determining if the UPC information identifies the card as a type of card usable by the requesting merchant; And 4) determining whether the bank identification number (" BIN ") of the card identifying the card issuer (i.e., the first six digits of the identification number of the card) corresponds to the UPC information identifying the card issuer.

Authorization unit 157 may also verify transactions based on 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 are indicative of fraud, the card processor monitors the number of invalid transactions requested by the electronic value token transaction processing system 100, Lt; RTI ID = 0.0 > terminal < / RTI > Finally, the authorization unit 157 may be configured to deny the transaction request in an event where the information received by the authorization unit 157 is not understandable.

If the request has the proper format and has been validated as described above, the electronic value token transaction computer 150 may send the transaction details to the issuer's authentication system rather than the authorization request. Also, in some embodiments, an issuer, an accreditation system (e.g., authorization unit 157), and a transaction computer are part of the same entity, and in this embodiment, no issuer- The issuer authorization systems 160 will be controlled in conjunction with other units of the electronic value token transaction computer 150 (e.g., centralized (e.g., part of a centralized data center) and / Or co-owned, operated computing system that may be co-owned or distributed within a control system or network). Also, although units associated with the electronic value token trading computer 150 (e.g., units 152-157) are depicted as various units within a data processing system for purposes of explanation and conceptual illustration, one or more units 152-157 may be distributed Or in a separate computer, system, or server in a distributed data processing environment.

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

At block 302, the electronic value token transaction computer 150 receives one request or multiple requests from the store terminal. In at least one embodiment, the request can include an electronic wallet transaction request, a balance inquiry request, a registration request, an activation request, or a reimbursement request, a wallet management request, and includes: (a) identification of the terminal; (b) authentication information; (c) purchase amount; (d) identification of an electronic value token issuer; (e) identification of the vendor; (f) identification of location; (g) Request time; (h) Date of request; (i) information that explicitly identifies the request as an electronic wallet transaction request (e.g., transaction type data); (j) information identifying the primary electronic wallet, secondary wallet (s), or combinations thereof; (k) any other transaction and / or authentication data described herein; And (l) any combination of these. A request at block 302 may include other information, requests or functions of the types described herein in addition to, or instead of, those 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 cellular phone. By using the identification of an electronic value token issuer, transactions can be formulated accurately for communication with electronic value token issuers.

At block 304, using the information contained in the electronic wallet transaction received from the store device 111 and / or from information obtained from the data store 180, the electronic value token transaction computer 150 determines whether the request Determines whether the request is an electronic wallet request containing valid 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 management of the electronic wallet. The electronic wallet request may include the bank identification number (" BIN ") on the proxy card as part of the authentication information. The alignment unit can decode the BIN number or verify that the request is an electronic purse request.

At block 324, using the information contained in the electronic wallet transaction received from the store device 111 and / or from the information obtained from the data store 180, the electronic value token transaction computer 150 transmits the received electronic (S) and / or location of said electronic purse or secondary purse (s) required / indicated to trigger a purse 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 transaction computer 150, then the electronic value token transaction computer 150 may determine (i ) You can apply your own logic to the request; (ii) apply rules stored in the primary wallet (e.g., rules established by an electronic value token transaction processing system administrator, a primary electronic wallet user, or a combination thereof); (iii) apply rules stored in the secondary wallet (e.g., rules established by the electronic value token transaction processing system administrator, secondary wallet user, or combination thereof); (iv) apply the rules received with the request from the shop 111 (e.g. concurrency rules submitted with the request by the user of the primary electronic wallet / secondary wallet); (v) any combination of these can be applied.

For example, one embodiment may include an electronic value token transaction computer 150 that determines that the entire request is for value tokens contained in the primary electronic wallet. Upon receipt of the request, electronic value token trading computer 150 receives its authorization unit 157 (as more fully described herein), its data store 180, electronic wallet unit 199, and It is possible to query the other desired units to determine whether the primary electronic wallet contains value tokens that can meet the destination request (e.g., whether the primary electronic wallet is associated with a vendor, merchant, and / Value tokens). This determination can be performed by comparing the electronic value token identification, the user ID, and the request transaction type. The electronic value token transaction computer 150 subsequently determines whether the electronic value tokens available in the primary electronic wallet corresponding to the request are applied under the rules of the primary electronic wallet and / or received along with the request, Evaluate how to perform or refuse to do this.

Another embodiment may include an electronic value token transaction computer 150 that determines that the entire request is associated with value tokens included 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, It is possible to query any optional unit to determine whether the secondary wallet contains value tokens that can meet the destination request (e.g., if the secondary wallet has stored value tokens associated with the vendor, merchant, and / ). This determination can be performed by comparing the electronic value token identification, the user ID, and the requested transaction type. Subsequently, the electronic value token transaction computer 150 evaluates the manner in which the electronic value tokens available in the secondary wallet corresponding to the request are applied under the rules received with the rule and / or request of the secondary wallet, And / or perform transactions or refuse to perform such transactions.

In another example, an embodiment may be configured such that a portion of the entire transaction request is associated with electronic value tokens residing in the primary electronic wallet, while a portion of the transaction request is associated with electronic value tokens resident in the secondary wallet And an electronic value token transaction computer 150 that determines that the electronic value token transaction computer 150 is an electronic value token transaction computer. This determination can be made by evaluating the requested transaction type, the electronic value token identification, or any other method for determining the transaction assignment. The electronic value token trading computer 150 evaluates the manner in which the electronic value tokens available in the primary electronic wallet corresponding to the request are applied under the rules of the primary electronic wallet (such rules are used to locate the primary electronic wallet The electronic value token transaction computer 150 may use the electronic value tokens available in any applicable secondary wallet corresponding to the request with the rules and / or requests of such secondary wallet < RTI ID = 0.0 > Assess the manner in which it is applied under the rules being received, perform requested transactions and / or transactions, or refuse to do so.

In an illustrative embodiment, at block 324, the electronic value token transaction computer 150, in response to a received transaction request, Of the value tokens and one or more electronic value tokens of the primary electronic wallet. Moreover, one of the electronic value tokens in the primary electronic wallet or secondary wallet may be an electronic representation of a loyalty card, and another electronic value token at the same location or other location of the loyalty card value token may be a retailer's It may be an electronic representation of a gift card. In this example, the electronic value token trading computer 150 may concurrently use a " loyalty card " token and a " retailer's gift card " token, regardless of the location of the tokens of the primary wallet and / For example, a "Loyalty Card" token for trading, such as a 5% increase in the value of the "Retailer's Gift Card" or Loyalty Point Bonus applied to the "Loyalty Card" token to use the "Retailer's Gift Card" In contrast to not simultaneously applying the value of the " retailer's gift card " token, the user advantage can be improved.

The value token may be associated with a closed-loop account or an open-loop account. A closed-loop account typically expires after the funds in the account are completely depleted, for example, a gift card account. An open-loop account typically does not expire. Rather, there may be a variety of ongoing obligations for depositing and withdrawing credit cards or debit card accounts of famous brands such as accounts, for example, Visa or MasterCard. A closed-loop account is often associated with a retailer while an open-loop account is often associated with a financial institution (e.g., a chase or city-issued visa). In at least one embodiment, the electronic value tokens include a closed loop account number and an open loop account number. The closed-loop account number is associated with a retailer who can make deposits and withdrawals from a closed-loop account associated with the closed-loop account number. An open-loop account number is associated with a financial institution that can make deposits and withdrawals in an open-loop account associated with the open-loop account number. An electronic value token can have a different expiration date or a specific date than any other value token. In addition, the electronic value tokens may identify a particular merchant, location, and / or product for which electronic value tokens may 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 an electronic value token is added to the electronic wallet. The following tables include the elements, parameters, and information used by the electronic value token transaction processing system 100 that are included in the electronic wallet transaction communications to facilitate electronic wallet transactions.

Table 1A illustrates 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.

Figure pat00001

Figure pat00002

The electronic value token trading computer 150 preferably stores the account number in the electronic wallet unit (e. G., By assigning a memory for the electronic wallet and value token (s) and storing fragments of information in the data structure of the data store 180 199 and / or the electronic wallet. Table 2 illustrates parameters for a gift card value token in at least one embodiment.

Figure pat00003

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

Figure pat00004

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

Table 4 illustrates formatting for authentication communications.

Figure pat00005

Each request is authenticated using a signature, the user is authenticated with a username / password or an open id, and the session is verified using a user token. Clients can send 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.

Figure pat00006

Table 6A illustrates the request parameters used to redeem the value from the token of the wallet.

Figure pat00007

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

Figure pat00008

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

Figure pat00009

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

Figure pat00010

If the request is for electronic value token redemption, at block 308, the electronic value token transaction 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, the 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 of the closed-loop value tokens can have a higher priority than the open-loop value tokens. Of the open-loop value tokens, one may have a higher priority than another. For example, a user may prefer to pay a credit card with a balance rather than a debit card. In at least one embodiment, the user can configure these rules via the Internet or mobile application and store the preferences 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 the electronic value tokens includes the selection of the highest priority value tokens that cover the purchase amount when used together. As can be seen from the above example, one purchase transaction was separated into two repayments without compromising purchase efficiency. Similarly, 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 associated with a closed loop prepaid account (e.g., an electronic prepaid, gift, or value built-in card) and the rules associated with the primary wallet are made by a third party manager It stimulates the secondary transaction being processed.

In at least one embodiment, the rule check includes a percentage checking of the electronic wallet request indicating how many different value tokens should be applied, and the application of the electronic value tokens applies the electronic value tokens . Then, at block 310, the electronic value token transaction computer 150 selects the value tokens of the electronic wallet that together cover the electronic wallet request, based on the rules. For example, a user may configure rules such that each percentage is evenly split between two credit cards. As such, the selection of the electronic value tokens includes two open-loop token selections to divide the purchase amount. As in the above example, efficiency is maintained because a single authorization token (for example, a proxy card or mobile device only) is used rather than two credit cards corresponding to electronic value tokens in a store. Other rules can be implemented, and the rules can be used in various combinations and permutations to each other. The electronic value token transaction processing system can also implement " if-then " rules based on the information sent in the electronic wallet request. For example, depending on the purchase at a gas station, the selection of a loyalty card value token may occur. In such an embodiment, the electronic value token computer 150 is able to determine the rules (s) (802, 817 (i. E.) Of the target electronic wallet 10 and / or secondary wallet 807 , 818, 819) and rules 808 (e.g., for stored value type electronic value tokens), and based on transaction request information, including transaction types such as purchases at service stations, The rule (s) established that inhibit purse 10 and / or secondary purse 807, 808, 809 are those in which the transaction type request is a first pre-valued token type, e. G. ) And may include a sufficient amount of the first value token type so that the target electronic wallet 10 and / or secondary purse (s) 807, 808, 809 meet the entire transaction request If not, the electronic value token computer 150 may be a second electronic value token type, For example, a debit card-related electronic value token 828 can meet the balance of the transaction request.

In addition, the electronic value token trading computer 150 applies the electronic value tokens to the electronic wallet request. When applying the electronic value token 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 transaction computer 150 can directly deposit and withdraw money from the account if the electronic value token transaction computer has such a management right.

In at least one embodiment, the electronic value token transaction computer 150 modifies the request (e.g., applying the required format) to forward the modified request to the appropriate one of the issuer's authorization systems 160, Receives the modified request and functions accordingly, e.g., authorizes and / or processes the request to redeem the electronic value token and accordingly update the data store. Authorization system 160 is not in the same location in which the electronic wallet request was received in at least one embodiment. For example, if an electronic wallet request is received from a retail store, the licensing system is owned and operated by the retailer, but not at the retail store. Rather, the authorization system can be located in the data center, for example. As such, both retailers and retailers generally do not need to know some or all of the contents of the secondary purse. 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 transaction authorization actions (e.g., swipe of a proxy card, interaction of a store device with a personal digital assistant, , Or other authorization activity) is communicated to the store. In other words, it is very smooth to access and use electronic wallets in a store, and there is no need for any special or custom actions to deal with transactions compared to existing physical bidding. The issuer authorization systems 160 of the issuer send the response message back to the electronic value token transaction computer 150. In an alternate embodiment, in which the electronic value token transaction computer 150 performs the functions of issuer authorization systems 160, the method may proceed directly from block 306 or 310 to block 314.

The electronic value token transaction computer 150 receives an acknowledgment message from an appropriate one of the issuer's authorization systems 160 at block 312. At block 314, the electronic value token transaction computer 150 updates the electronic wallet of the electronic wallet unit 199 and the data store 180 to reflect the activation of the electronic wallet and any Withdrawal, deposit, addition, or deletion. Figures 6A-6D illustrate a series of user interface screens and prompts in at least one embodiment. For example, a user may view the prompted example when administering a user's electronic wallet via a computer and / or kiosk 189 connected to the Internet.

Transaction log 170 may be updated by electronic value token transaction computer 150 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 wallet was activated, (c) why the electronic wallet was not activated if the request was denied, (d) (E) the change in the rules associated with the electronic value token (s); (f) the identity of the merchant; (g) the identity of the issuer; (h) the location of the merchant; (i) the identity of the terminal adding the electronic value token, (j) the identity of the entity which accepts the electronic value token, and (k) any combination of these. The transaction log may include other information (e.g., transaction and / or authentication data) in addition to or instead of the items listed above.

Then, at block 318, the electronic value token transaction computer 150 forwards the confirmation message to the store device 111. [ The electronic value token trading computer 150 may be printed on the receipt for the customer, if necessary, and / or displayed on the display for the shopper operating the store device 111, before forwarding the confirmation message to the store device 111 You can modify the confirmation message to include information that can be presented. At block 320, the electronic value token trading computer 150 is responsible for the issuance, sale, and sale of electronic value tokens for various merchants, merchants, publishers, electronic value token transaction processing system administrators, Coordinates the accounts of other entities involved in marketing, and in some embodiments initiates the transfer of funds between appropriate bank accounts belonging to various entities. Alternatively, account adjustments may be performed periodically (e.g., daily, weekly, monthly, etc.) rather than after each transaction. In this embodiment, information from the transaction log 170 may be used to coordinate various entities involved in the sale or redemption of the various value tokens, thereby requiring less money transfer. In one embodiment, information in the transaction log 170 is used to match transactions, and so on. For example, grouping all transactions from a given place or given trader, or grouping transaction types (eg, deposits, withdrawals, etc.). In various embodiments, the sequence of events illustrated may vary and thus may be executed in any desired order, sequentially, or concurrently.

2B illustrates an exemplary electronic value token transaction processing system 1100 according to one embodiment, wherein the electronic value token transaction processing system functions as an electronic secondary wallet transaction processor and includes a primary electronic wallet transaction processor, And an electronic value token transaction computer 150 merged with the wallet integrator system 1000. The electronic wallet integrator system 1000 may be further understood as having the same functionality, strengths, database access, network connectivity, and operational components as the electronic value token transaction computer 150 described herein, and in some embodiments, The token transaction computer 150 and its associated components (e. G., Electronic value token transaction processing system 100) may act as or replace the electronic wallet integrator system 1000. In one embodiment, the electronic wallet integrator system 1000 is controlled, maintained, and operated by a common entity or entities that control, maintain, operate, own, and / or process the electronic value token transaction computer 150 Owned, and / or processed. That is, the primary electronic wallet transaction processor and the 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 separate and / or distinct from entities and / or entities that control, maintain, operate, possess and / or process the electronic value token transaction computer 150. [ Held, operated, owned, and / or processed by any entity or entities that are not related to it. 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 shown, when operating in the electronic secondary wallet transaction processing capability, the electronic value token transaction processing system 1100 comprises: (a) an electronic value token transaction computer 150; (b) electronic wallet integrator system interface 1052; (c) a data store 180 including an electronic purse unit 199 for storing electronic value tokens, e.g., 804, 827, 828, and 829, such as an account number, electronic wallet account information, "Value added payment" is synonymous with "Value added bonus," "Value added bonus award," "Value added award bonus," and "Value differentiation"), and other information about adding, redeeming, and managing the electronic value tokens; (d) one or more individual issuer authorization systems 160; And (e) any other units included in the system by the electronic value token transaction computer manager 151. In one embodiment, the electronic value token trading computer 150 includes a value determination unit 153, an electronic wallet integrator system interface 1052, a message modification unit 154, an arbitration unit 155, an issuer system interface 156, an application unit 157, and an alignment unit 198. The electronic wallet integrator system interface 1052 allows the electronic value token transaction computer 150 to communicate with the electronic wallet integrator system 105 via the Internet, a public switched telephone network (" PSTN "), RTI ID = 0.0 > (1000). ≪ / RTI > Similarly, the electronic value token trading computer 150 may access the issuer system interface 156 via the issuer system interface 156, for example via the Internet, a public switched telephone network (" PSTN "),Lt; RTI ID = 0.0 > 160 < / RTI > Communication between the electronic wallet integrator system interface 1052 and the electronic wallet integrator system 1000 and between the issuer system interface 156 and the issuer authorization systems 160 The communications 109,101 may be encrypted for security addition and / or use a virtual private network (" VPN "). The alignment unit 198 may classify the communications into various categories to route in various ways. For example, the sorting unit 198 may be configured to receive secondary wallet requests (e.g., upon receipt of transaction requests and authorization information, the sorting unit 198 may send the requested transactions to a particular electronic secondary wallet < And / or maintenance requests to route to the various units of FIG. 2B, which can be routed to a specific section or sections held within the electronic secondary wallet), a balance inquiry request, a registration request, an activation request, a reimbursement request, You may. The electronic value token transaction computer 150 or the sorting unit 198 may also generate a message based on the requests for similar routing.

As can be seen in FIG. 2B, the store device 111 (typically a reseller and / or redeemer or retailer, but alternatively a kiosk 189 or a home of a user configured to serve as a store, In the office, for example on-line transactions, the authentication token is interpreted by the shop interpretation unit 101 (e.g., a card reader). The store interpretation unit 101 may be used for interrogating 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 inputting a token identification number) Interpreting, capturing, or otherwise inputting information.

An electronic wallet transaction request is made by the store transaction unit 104 at substantially the same time (or alternatively, before or after) the interpretation of the authentication token. The merchandise transaction unit 104 may be a merchant transaction unit 104, a personal digital assistant, a smart phone, or other such store interpretation unit 101 and / or a personal digital assistant And a request or messaging means interpreted by the store processing unit 105. In some embodiments, operations performed by the store interpretation unit 101 and the store transaction unit 104 may be performed by the store registers / terminal or personal computer during the individual units, e.g., online, web based transactions Or may be performed by one unit capable of performing all of the operations to be performed.

The shop interpretation unit 101 and the shop transaction unit 104 are in communication with the shop processing unit 105. The store processing unit 105 may include a CPU or other type of processing device that is accepted for use in the industry. The shop interpretation unit 101 communicates the authentication information 102 to the shop processing unit 105. [ The shop transaction unit 104 communicates the request 103 to the shop processing unit 105 for electronic purse transaction. The store processing unit 105 may combine this information with the electronic wallet integrator system 1000 (e.g., send a message requesting electronic wallet transactions with associated transaction and / or authentication data) . In one embodiment, the store processing unit 105 receives the electronic wallet integrator system 1000 (or a secondary manager or unit associated therewith, such as a secondary wallet manager, e.g., an electronic value token transaction computer 150) Storing and / or receiving a transaction format associated with the POS retailer and / or associated with a given transaction type and / or value token, formatting the transaction request or message, and providing the user with additional information, Or may use such a transaction format to transmit / receive characteristics in the store. For example, a user who buys from a retailer operates a card reader. The card reader may be a display and a barcode reader with an input device or a magnetic stripe scanner. The card reader may be touch sensitive and may have various buttons used for input. In accordance with the card reader derivation, the user sees "withdrawal," "deposit," and "electronic wallet" options. The user selects " electronic purse. &Quot; The user then sees the options "purchase," "add tokens," and "remove tokens." The user selects " Purchase. &Quot; According to additional prompts (which in one embodiment are for a transaction format having specificity 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 are all performed by the individual units (E. G., An integrated POS device, e. G., A computerized register). ≪ / RTI >

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 stores an associated identifier (e.g., a device identifier) that may be transmitted to the electronic wallet integrator system 1000 during connection of the store processing unit 105 to the electronic wallet integrator system 1000 Or serial number). Each store processing unit 105 may include a plurality of shop transaction units, for example, corresponding to individual terminals each having its own terminal identification, which exists in a given shop location.

2B, the electronic purse integrator system 1000 has the following configuration: (a) the retailer / merchant and / or vendor (e.g., via the merchandise store 111) Establish a secure connection with the electronic value token transaction computer 150, and with the issuer authorization systems 160; (b) requesting and receiving redeeming or adding value tokens to electronic purses in conjunction with issuer authorization systems 160; (c) repay all or a portion of the electronic value tokens associated with said electronic wallet in conjunction with issuer authorization systems 160; (d) facilitating transactions with value tokens present in the electronic secondary wallet maintained by the electronic value token transaction processing system 1100 in conjunction with the electronic value token transaction computer 150; (e) redeeming or adding value tokens to the retailers / merchants and / or vendors (e.g., via the POS unit 111) and redeeming or adding value tokens to the electronic purses Communicating any accompanying information; And (f) communicate to the retailer / merchant and / or vendor (e.g., via the POS unit 111) any reasons why transactions should not be terminated.

The electronic value token transaction computer 150 may be configured to access the data store 180; Generating a transaction log 170; Generating and maintaining an error log 175; Communicating with electronic wallet integrator system 1000; Communicating with the individual issuer granting systems 160; Processing individual value tokens and electronic wallet requests; Processing reimbursement requests, processing additional value functions to add additional cash value additions or electronic redemption coupons for certain product (s) or service (s); Processing repayment requests for electronic coupons for certain product (s) or service (s); And communicating with other systems 190 that are capable of communicating with the electronic value token transaction computer 150 and that have been authorized, or that have associated storage capabilities designed for that purpose, respectively, (E.g., a centralized server), a plurality of processing units (e.g., a distributed computing system with distributed and communicating various units), or a combination thereof.

The data store 180 maintains an account record associated with each secondary wallet: (a) whether each individual value token has been added or redeemed, (b) whether the authentication token for the individual value token has been registered (E) the rules necessary to redeem the electronic value tokens, (f) the electronic value token (s), (c) (G) the value-added bonus payment, (h) the rules for reimbursing the value-added bonus payment, and (i) the combination thereof. The data store may also maintain a record of rules necessary to award a value-added bonus payment to the electronic wallet or value token.

The data store 180 also maintains records associated with each electronic wallet and / or secondary wallet: (a) the timing of the registration activity and other information about it; (b) the timing of management activities and other information related thereto; (c) timing of trading activities and other information about them; (d) applicable rules; (e) identification of an internal issuer electronic value token; (f) Identification of the secondary purses concerned; (g) any other records required by publishers, merchants, vendors, advertisers, users, or other interested parties; And (h) any combination thereof. While a single data store 180 is shown, it should be understood that a plurality of data stores may be used, and that the relevant data among the data stores may be partitioned 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 data stores that are closely coupled and / or closely located to one or more of a lower unit, a sub-processor, a third party processor, the other connected to the electronic value token transaction computer 150, The data stores have data used by the lower unit, the lower processor, and the third party processor.

The electronic value token transaction computer 150 is also configured to generate and maintain a transaction log 170 of all activities that the electronic value token transaction computer 150 is involved in. The transaction log may include, for example, a detailed description of the following transaction types: (a) a request to add a value token; (b) Request to sell value tokens; (c) a request to redeem the value token; (d) a request to exchange value tokens; (e) the amount of money due to additional value tokens; (f) the amount of money due to the repayment of the value token; (g) the amount of money due to the exchange of value tokens; (h) adding value-added products, products or services; (i) reimbursement of value added, product or service; (j) the time at which the electronic value token was added; (k) the time at which the electronic value token was repaid; (l) a transaction or contact with the issuer to add a value token; (m) the transaction or contact with the issuer for the redeeming of the value token; (n) a PIN that is contacted by the vendor in response to a request to add a value token that requires a PIN to be used; (o) Electronic wallet registration; (p) setting up an electronic wallet; (q) electronic wallet trading activity; (r) electronic wallet save activity; (s) electronic wallet management activities; (t) any other information that the electronic value token transaction computer manager 151 directs the electronic value token transaction computer 150 to maintain as log entry; And (u) any combination thereof.

The information contained in the transaction log 170 may be used for data mining purposes such as reconciliation reports, settlement reports, settlement reports, audit reports, electronic wallet registration reports, electronic wallet management reports, electronic wallet usage reports, electronic wallet save reports, Token purchase report, electronic value token redemption report, electronic value token exchange report, electronic value token sales report, or electronic value token transaction manager 151, data store manager 181, electronic wallet integrator system 1000, Use, or other information to prepare for, the Authorized Systems (160), redeeming merchants, or other interested parties of the Distributor, the Seller, the Seller, the Seller, the Seller, the Issuer, It can also be used to create shapes. For example, the transaction log 170 includes information about each transaction performed by the electronic value token transaction computer 150 (and its subcomponents), and includes various electronic wallet integrator systems 1000, Merchants, publishers, as well as electronic wallet integrator system 1000 non-affiliated sellers, merchants, publishers, and the electronic value token transaction processing system manager 151 May also be used by the coordinating unit 155. Additional data mining considerations that may be recorded, analyzed, and / or provided by stakeholders (eg, vendors, merchants, publishers, advertisers, etc.) include (i) purchase habits of electronic wallet users; (ii) purchase, sell, repay and exchange electronic value tokens; (iii) special offers and / or value added activities; (iv) Royalty related activities; And (v) save-related activities (all of which may be used for marketing, inventory, and other purposes).

In another embodiment, although not required, the electronic value token transaction computer manager 151 is also responsible for managing the electronic value token transaction computer And may function as the storage manager 181. The electronic value token transaction computer 150 is configured to generate and maintain an error log and reasons for all uncompleted transactions. In some embodiments, the error log is managed by the electronic value token transaction computer manager 151.

The electronic value token transaction computer 150 also has authority to access the electronic value token transaction processing system, and in particular, other entities 190 that have the authority to access the electronic value token transaction computer 150, . These other entities may include an electronic wallet integrator system 1000, a third party payment management system, a third party auditor system, an issuer affiliate, a distributor affiliate, a redeemer or redeemer affiliate, a financial institution such as a bank, a credit card institution, , Or any other entity for which access is provided by the electronic value token transaction computer manager 151, or who has the authority to grant access rights.

In one embodiment, the transaction request at 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 (D) the request time, (e) the date of request, (f) the identity of the issuer, (g) the identity of the seller, (h) the location of the seller, (i) the product (s) (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. , Back wallet management functionality, (l), and combinations thereof. However, the information included in the request is not limited to the enumerated list, and may be added to the enumerated item or include other items in place of the enumerated item.

The electronic value token transaction computer 150 receives the electronic wallet transaction request from the electronic wallet integrator system 1000 and confirms and classifies the electronic wallet transaction request by the sorting unit 198. The electronic value token transaction computer 150 transmits the electronic wallet transaction request to the electronic wallet unit of the data store 180 Approach. The electronic value token trading computer 150 processes information contained in the data store 180 and communicates with the individual issuer authorization systems 160 (109, 110) to manage the electronic value tokens and corresponding accounts . The message modification unit can adjust messages and requests so that multiple units, subcomponents / processors, or third party managers can recognize and correctly interpret the message. For example, after the electronic value token transaction computer 150 has determined the issuer authorization systems 160 for the individual issuer associated with the request, the message modification unit 154 accesses the database 180, Subsequent to the appropriate transaction messaging format for the issuer authorizing systems 160, the individual issuer issuing systems 160 are provided with subsequent issuer issuing systems 160 using individual issuer issuing systems 160 having designated / preferred trading formats and vocabularies Communication. The electronic value token transaction computer 150 may also provide appropriate messaging formatting information, e.g., a template, to the electronic wallet integrator system 1000 to facilitate processing of the system for the request. The electronic value token transaction computer 150 communication with the individual issuer authorization systems 160 may occur simultaneously or independently. The electronic value token transaction computer 150 is connectable to individual issuer authentication systems over a suitable network, such as a PSTN, the Internet, or an independent dedicated network. The electronic value token transaction computer 150 is a configuration for originating and / or receiving communication 110 from the issuer authorization systems 160 with respect to the status of the electronic value token.

The reconciliation unit 155 adjusts the accounts of various publishers, merchant sellers, and / or redeeming merchants to provide appropriate merchants, vendors, electronic value token transaction processing system managers, And issuers, and reflect which entities have 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 the electronic value token to the user's electronic wallet, (E. G., Percentage held), and the electronic wallet integrator system 1000 and / or the electronic value token system manager receives a percentage of a predetermined amount to process the purchase amount and / or transaction And the publisher receives the remainder. If the value tokens issued by the issuer Y are redeemed at the merchant X to purchase the items, the reimbursed amount is withdrawn to the issuer Y, deposited to the merchant X, and sometimes the transaction fee and / The transaction or processing fee collected by the value-token transaction processing system administrator is deducted.

The electronic value token trading computer 150 is also an authorization system so that the electronic value token transaction computer 150 is able to authenticate the authorization unit 157 when authorizing the electronic wallet request rather than sending a request for authorization purposes to issuer authorization systems 160 ) Is used. The authorization unit 157 may perform the same and / or other functions as those described for the authorization systems 160.

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

Authorization unit 157 may also verify transactions based on 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 are indicative of fraud, the card processor may monitor the number of invalid transactions requested by the electronic value token transaction processing system 1100, It may request to reject the transaction from the terminal exceeding the amount. Finally, the authorization unit 157 may be configured to deny the transaction request in an event where the information received by the authorization unit 157 is not understandable.

If the request has the proper format and has been authenticated as described above, the electronic value token transaction computer 150 may send the transaction details to the issuer authorization system, rather than the authorization request. Also, in some embodiments, an issuer, an accreditation system (e.g., authorization unit 157), and a transaction computer are part of the same entity, and in this embodiment, no issuer- The issuer authorization systems 160 will be controlled in conjunction with other units of the electronic value token transaction computer 150 (e.g., centralized (e.g., part of a centralized data center) and / Or co-owned, operated computing system that may be co-owned or distributed within a control system or network). Also, although units associated with the electronic value token trading computer 150 (e.g., units 152-157) are depicted as various units within a data processing system for purposes of explanation and conceptual illustration, one or more units 152-157 may be distributed Or in a separate computer, system, or server in a distributed data processing environment.

A third party electronic wallet system supplier maintains a secondary wallet as part of its relationship with the electronic wallet integrator system 1000, eg, electronic wallet transaction that includes an electronic secondary wallet maintained by a transaction computer An exemplary process utilized by the electronic value token trading computer 150 to facilitate purchases using a purse is shown in FIG. 4B. Such an embodiment may be implemented by an electronic wallet transaction processing request that is initially received by the electronic wallet integrator system 1000 and partially performed by the electronic value token transaction computer 150. [ The depicted operations may be performed in the order shown or in a different order, and may be performed in parallel with two or more operations.

At block 301, the wallet integrator system 1000 receives one request or a plurality of 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 reimbursement request, a wallet management request and may include (a) (e) the identification of the vendor, (f) the identification of the location, (g) the request time, (h) the request date, (i) the electronic value token issuer, (K) information identifying the primary electronic wallet, secondary wallet (s), or combinations thereof; (k) any other information described herein And / or (1) any combination of any of these. The request at block 301 may include, for example, other information, requests or functions 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 cellular phone.

Following the processing of block 301, the electronic wallet integrator system 1000 determines whether a portion of the requested electronic wallet transaction is to be processed by a third-party manager, for example, While determining that another portion of the requested electronic wallet transaction can be processed through the electronic wallet integrator system 1000. [ The electronic wallet transaction request information received by the electronic wallet integrator system 1000 may require the secondary wallet maintained by the third-party manager's system to completely trigger a response to the transaction request and / If the wallet integrator system 1000 indicates that such rules are applicable to the associated primary electronic wallet maintained by the wallet integrator system 1000, the wallet integrator system 1000 processes the initial request, generates a new request, For example, the primary electronic wallet sends an initial request, a new request, a secondary request, or a modified initial request to the designated secondary wallet, To the electronic value token transaction computer 150 holding the wallet. In the case of processing an initial request, creating a new request, creating a secondary request, or modifying the initial request to send to the secondary purse, the electronic wallet integrator system 1000 may (i) (Ii) apply the rules stored in the primary wallet (for example, a rule formulated by a primary electronic wallet supplier, a primary electronic wallet user, or a combination thereof) to an electronic wallet transaction request; (Iii) apply the rules received with the transaction request from the store 111 (e.g. concurrency rules submitted with the request by the user of the electronic secondary wallet and / or the primary electronic wallet) , Or (iv) any combination of these may be applied

At 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, a balance inquiry request, a registration request, an activation request, or a reimbursement request, a secondary wallet management request and may include (a) (E) the identification of the seller, (f) the identification of the location, (g) the time of the request, (h) the date of the request, (i) the request for the electronic value token issuer, Information (e.g., transaction type data) that unambiguously identifies as an electronic wallet transaction request; (j) information identifying the primary electronic wallet, secondary wallet (s), or combinations thereof; (k) any other transaction and / or authentication data described herein; And (l) any combination of these. A request at block 303 may include other information, requests or functions of the types described herein in addition to or instead of those 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 cellular phone. By using the identification of the proxy card and / or the mobile phone, it is possible to formulate the embedding transaction correctly for communication with the permanent electronic value token issuers of the target transaction request.

At block 304, using information received from the electronic purse aggregator system 1000 from information obtained from the data store 180 and in response to a transaction request, the electronic value token transaction computer 150 determines whether the request is valid 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 . An electronic secondary wallet request may include a bank identification number (" BIN ") as part of the authentication information. The aligning 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, using the information contained in the electronic wallet transaction received from the electronic wallet integrator system 1000 and / or from information obtained from the data store 180, the electronic value token transaction computer 150 (S) and / or the location of the secondary wallet (s) required / 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 maintained by the electronic value token transaction computer 150, then the electronic value token transaction computer 150 may (i) request its own logic (Ii) apply the rules stored in the secondary wallet (eg, the rules established by the electronic value token transaction processing system administrator, the secondary wallet user, or a combination thereof); and iii) apply the rules stored in the secondary-secondary wallet (eg, the rules established by the electronic value token transaction processing system administrator, the secondary-secondary wallet user, or a combination thereof); and (iv) (E.g., a concurrent rule submitted with a request by a user of the primary electronic purse / secondary purse) received from the user 111 with the request, or (v) The can also be applied.

For example, one embodiment may include an electronic value token transaction computer 150 that determines that all requests received from electronic wallet integrator system 1000 are for 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 meet the destination request (e.g., the secondary wallet is a merchant, trader, and / (As more fully described herein), its data store 180, the electronic wallet unit 199, and any other < RTI ID = 0.0 > Query the required units. This determination may be performed by comparing the electronic value token identification, the user ID, and the requested transaction type. The electronic value token transaction computer 150 subsequently applies under the rules and / or rules of the secondary wallet in which the electronic value tokens available in the secondary wallet corresponding to the request are received with the request and performs the requested transactions and / Evaluate how to deny this performance.

Another embodiment may include an electronic value token trading computer 150 that determines that the entire request received from electronic wallet integrator system 1000 is for value tokens contained in a secondary-secondary wallet. Upon receipt of the request, the electronic value token transaction computer 150 determines whether the secondary-secondary wallet contains value tokens that can meet the destination request (e.g., the secondary-secondary wallet is a merchant, trader Own authorization unit 157 (as described in more detail herein), its own data store 180, an electronic purse unit 199, a personal digital assistant And any other required units. Such a determination may be performed by comparing the electronic value token identification, the user ID, and the requested transaction type. Subsequently, the electronic value token transaction computer 150 evaluates the manner in which the electronic value tokens available in the secondary-secondary wallet corresponding to the request are applied under the rules that are received with the rules and / or requests of the secondary-secondary wallet , Perform or refuse to perform the requested transaction and / or transactions.

In another example, an embodiment may be configured such that a portion of the request received from the electronic wallet integrator system 1000 is associated with electronic value tokens residing in the secondary-secondary wallet, while another portion of the request is resident in the secondary wallet An electronic value token transaction computer 150 that determines that the electronic value token is associated with the electronic value tokens. This determination can be made by evaluating the requested transaction type, the electronic value token identification, or any other method for determining the transaction assignment. The electronic value token transaction computer 150 evaluates the manner in which the electronic value tokens available in the secondary wallet corresponding to the request are applied under the rules of the secondary wallet (this rule will affect the payment method used in the secondary wallet) ), The electronic value token transaction computer 150 may determine that electronic value tokens available in any applicable secondary-secondary wallet corresponding to the request are received with the rules and / or requests of such secondary-secondary wallet Evaluate the manner in which it is applied under the rules, perform requested transactions and / or transactions, or refuse to do so.

In an exemplary embodiment, at block 324, the electronic value token transaction computer 150, in response to the received transaction request, sends a request to the secondary-secondary purse And one or more electronic value tokens of the secondary wallet. Also, one or the second purse of electronic value tokens in the secondary wallet may be an electronic representation of the loyalty card, and another electronic value token at the same location or other location of the loyalty card value token may be an electronic representation of the retailer ' s gift card Lt; / RTI > In this example, the electronic value token trading computer 150 may use the value of a customer point bonus or " retailer gift card " applied to a " loyalty card " token to use, for example, Secondary wallet (s) and / or secondary wallet (s) may be used to enhance user benefits, as opposed to not simultaneously applying the value of a "loyalty card" token and a "retailer's gift card" The "Loyalty Card" token and the "Retailer's Gift Card" token may be used simultaneously, regardless of the location of the tokens of the retailer.

The electronic value token may be associated with a closed-loop or open-loop account. A closed-loop account typically expires after the funds in the account are completely depleted, for example, a gift card account. An open-loop account typically does not expire. Rather, there may be a variety of ongoing obligations for depositing and withdrawing credit card accounts or debit card accounts of famous brands such as accounts, for example, Visa or MasterCard. A closed-loop account is often associated with a retailer while an open-loop account is often associated with a financial institution (e.g., a chase or city-issued visa). In at least one embodiment, the electronic value tokens include a closed loop account number and an open loop account number. The closed-loop account number is associated with a retailer who can make deposits and withdrawals from a closed-loop account associated with the closed-loop account number. An open-loop account number is associated with a financial institution that can make deposits and withdrawals in an open-loop account associated with the open-loop account number. An electronic value token can have a different expiration date or a specific date than any other value token. In addition, the electronic value tokens may identify a particular merchant, location, and / or product for which electronic value tokens may 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 an electronic value token is added to the electronic secondary wallet. The following tables are included in electronic wallet trading communications to facilitate electronic secondary wallet transactions as part of a simultaneous primary electronic wallet transaction being processed by a primary electronic wallet transaction processing system, such as an electronic wallet integrator system (1000) Parameters, and information used by the electronic value token transaction computer 150. [

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

Figure pat00011

Figure pat00012

 The electronic value token transaction computer 150 preferably allocates a memory for the electronic secondary wallet and value token (s), stores the fragments of authentication information in the data structure of the data store 180, Unit 199 and / or an electronic secondary wallet. Table 9 illustrates the parameters for a gift card value token in at least one embodiment.

Figure pat00013

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

Figure pat00014

However, the request may be modified for other reasons that are independent of the additional token determination 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, Value, additional value, balance inquiry, or a combination thereof, each of which may be communicated to issuer authorization system 160 for coordination.

Table 11 illustrates formatting for authentication communications.

Figure pat00015

Each request is authenticated using a signature, the user is authenticated with a username / password or an open id, and the session is verified using 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.

Figure pat00016

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

Figure pat00017

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

Figure pat00018

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

Figure pat00019

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

Figure pat00020

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, the 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 of the closed-loop value tokens can have a higher priority than the open-loop value tokens. Of the open loop value tokens, one open loop value token may have a higher priority than another open loop value token. For example, a user may prefer to pay a credit card with a balance rather than a debit card. In at least one embodiment, the user may configure these rules via the Internet or 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 the electronic value tokens includes the selection of the highest priority value tokens that cover the purchase amount when used together. As one can see from the example, a purchase transaction is separated into two repayments without compromising purchase efficiency. Similarly, 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 And 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 may configure rules such that each purchase is evenly split between two credit cards. As such, the selection of the electronic value tokens includes two open-loop token selections to divide the purchase amount. As in the above example, efficiency is maintained because a single authorization token (for example, a proxy card or mobile device only) is used rather than two credit cards corresponding to electronic value tokens in a store. Other rules can be implemented, and the rules can be used in various combinations and permutations to each other. The 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 a gas station, the selection of a loyalty card value token 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) does not include 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 transaction computer 150 also applies the 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 transaction computer 150 can directly deposit and withdraw money from the account if the electronic value token transaction computer has such a management right.

In at least one embodiment, the electronic value token transaction computer 150 modifies the request to forward the modified request to the appropriate one of the issuer's authorization systems 160, which 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. The authorization system 160 is not at the same location in which the electronic secondary wallet request was received in at least one embodiment. 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 can be located in the data center, for example. As such, both retailers and retailers generally do not need to know some or all of the contents of the secondary purse. 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) is communicated to the store. The issuer authorization systems 160 of the issuer send the response message back to the electronic value token transaction computer 150. In an alternate embodiment, in which the electronic value token transaction computer 150 performs the functions of issuer authorization systems 160, the method may proceed directly from block 306 or 310 to block 314.

The electronic value token transaction computer 150 receives an acknowledgment message from an appropriate one of the issuer's 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, Any withdrawals, deposits, additions, or deletions are reflected. Figures 6A-6D illustrate a series of user interface screens and prompts in at least one embodiment. For example, a user may view the prompted example when administering a user's electronic wallet via a computer and / or kiosk 189 connected to the Internet.

Transaction log 170 may be updated by electronic value token transaction computer 150 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) (E) the change of the rules associated with the electronic value token (s); (f) the identification of the vendor; (g) the identification of the issuer; (h) the location of the vendor; (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. Transaction logs may contain 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 may be modified to include information that may 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 (e.g., daily, weekly, monthly, etc.) rather than after each transaction. In this embodiment, information from the transaction log 170 may be used to coordinate various entities involved in the sale or redemption of the various value tokens, thereby requiring less money transfer. In various embodiments, the sequence of events illustrated 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 targeted promotional material and data receipt, payment between electronic value tokens available in the 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) In an electronic wallet, an electronic wallet may request that a physical representation of an electronic value token be provided or made available (e.g., in one embodiment, a user may request a kiosk 189, 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. Part or whole 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 purse 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 Figure 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," " Can be requested.

As shown also in Fig. 6C, the user has the ability to "add gift cards", "add value", "redeem cards", and "sell cards".

 The " Add Gift Card " function allows the user to place an electronic value token within the 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 possess may 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 > Processing system 100). ≪ / RTI >

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 a modification of the value of the electronic value token or if the reload / refill / top up transaction request has not been granted, the electronic value token computer 150 The display causes the user to be notified of the result. Although the "add value" function is described with respect to telecom related electronic value tokens, the "add value" function can be applied uniformly to reload / recharge / upload electronic value tokens associated with debit cards, prepaid service cards, .

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 (Which will be 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, Directs the value to the system. 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 . In addition, the user can select " Special Offer " to display a screen showing the user a promotion available to the user through 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 can be disposed in a traffic-complicated area such as a shopping mall, and can 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 a magnetic stripe, a paper receipt with a barcode or matrix code (e.g., a QR code), a coupon, or the like. In one embodiment, the kiosk 189 may be, for example, a physical card for additional printing costs. The user can also prepare and / or partition (e.g., create secondary wallets) the electronic wallet using the kiosk 189. 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, In a passive kiosk having a passive key. The kiosk 189 may convert the physical storage value card into an electronic value token of the user's electronic wallet. The physical storage value card may 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 a physical storage value card. In other words, both sides are " active " and are 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, you can access wallet identification using a database or lookup table. In at least one embodiment, the wallet ID is customizable by the user.

As referred to both of the foregoing primary wallet and secondary wallet embodiments, the disclosed wallet and secondary wallet methods and systems provide the ability to add value to an electronic value token residing in an electronic wallet and / or a 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 functions may be adapted from the context described in International Application No. PCT / US11 / 20570, which immediately applies to the electronic wallet / electronic purse 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 purchase. 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 addition of free syrup may be reimbursed together with part or all of the reimbursement of the amount of the electronic value token, 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 discussed above, electronic value token trading computer 150 communicates with data store 180 and / or issuer 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 tokens to be reimbursed are eligible for value added payments. 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 can 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. In addition, by configuring the rules, the user can be guaranteed to get the best promotions from various retailers without shopping comparison. 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 can make mutual promotions with other retailers on a daily or even hourly basis. In addition, retailers can fine-tune their promotions for various market segments to strengthen their 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, 0.0 > 111). ≪ / RTI >

As discussed above with respect to both the primary wallet and the secondary wallet embodiments, the disclosed wallet and secondary wallet methods and systems enable the electronic value tokens 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 / The difference between the second electronic value tokens can be maintained. In at least one embodiment, the electronic value token transaction computer 150 may charge a user transaction fee 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 can be minimal, but can be generated in large quantities. All parties can benefit because they receive the value tokens they will use in exchange for the value tokens they do 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 / Provide users with the ability to exchange for other electronic value tokens 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 (1) by 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 Lt; / RTI >

The electronic value token exchange program described above can be illustrated by the following description. An electronic wallet user may 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 with 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 electronic wallet user with the options available for electronic value token exchange. As shown in Figure 6D, these options include (1) viewing a selection of the 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 The type of electronic value token / may vary based on the retailer); (4) a reduction in the value of the electronic value token selected for acquisition to meet the exchange rate, or (ii) a reduction in the amount of the exchange rate to a credit card value token or debit card Applied 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 of a type version of an electronic value token at the optional printing device (e.g. via receipt-type printing capability as disclosed in U.S. Patent Application Serial No. 12 / 719,741, the full text of which is incorporated herein by reference) 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 Retailer B's $ 25.00 electronic value token resident in the purse with 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 To the kiosk 189 to express the acquisition. The user makes this selection. The electronic value token exchange program prompts the kiosk 189 to express 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, Notified tokens. 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 final result, depending on the activity of the electronic value token exchange program, each time a contract obligation is established, a value of $ 0.25 (exchange rate) can be assigned 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, .

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 so that it could be positioned / ordered / designated 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 provided with an electronic wallet to facilitate transactions at a retailer where the electronic wallet does not include a retailer's electronic value token, such as the retailer Q situation described above 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, To cause the exchange of the requested electronic value token. 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 the transaction information to the parties, and return (or re-enable) the value-modified retailer L brand's value token 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 the user of the electronic wallet. 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 that an unused electronic value token resides in the purse; (iii) a request for certain electronic value tokens in the market; (iv) the date of the damage of the electronic value tokens; (v) a promotion to obtain an electronic value token; (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 a 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 amount of exchange value in the save wallet, as described in more detail below.

As referred to both of the above-described primary and secondary wallet embodiments, the disclosed electronic wallets and secondary wallet methods and systems may be used to provide information not only to rules describing the use and / or availability of an electronic wallet or a secondary wallet, Provide the user with the ability to specify the location of a value token residing in an 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, May be placed in a secondary purse (hereinafter referred to as a " save " designated electronic purse or secondary purse) configured for 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 may be located in such an electronic purse and / or a secondary purse. 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 redispersed. The user may use a predetermined number of transfers, for example, six transfers, every month of the calendar, for example from a designated "electronic" purse or secondary purse to a "fully redeemable" designated purse or secondary purse You can 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, the user can establish automatic transfer between a designated " fully redeemable " specified 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) "Full redemption" that can be triggered by events. An option to automatically transfer to a specified "purse" specified purse or secondary purse from a designated purse or secondary purse may be presented. 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 in a designated " fully redeemable " designated purse or secondary purse. If the user selects an interval for automatic transfer, the user can select the preferred date. The user can have the flexibility to update, edit, or change 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 the automatic debit can not be fully provided or can not be provided at all, take any available amount as a " save " specified electronic wallet or secondary wallet from a designated " fully redeemable " electronic wallet or secondary wallet, And the like. 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. FIG. 5 illustrates a computer system 580 suitable for implementing some or all of the one or more embodiments disclosed herein. The computer system 580 includes a central processing unit 530 that communicates with a memory device including a secondary storage 584, a ROM 586, a RAM 588, an input / output (I / O) device 590, 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 the core of electrical engineering and software engineering that the functionality that can be implemented by loading executable software into a computer can be transformed into a hardware implementation by known design rules. Decisions to implement the concept of software versus hardware typically considers design stability and the number of units to produce rather than any issues associated with the conversion from a software domain to a hardware domain. In general, designs that continue to undergo frequent changes may be preferred to be implemented in software because re-presenting hardware implementations is more expensive than re-designing 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 programs if the programs loaded into RAM 588 are selected for execution. ROM 586 is used to store instructions and data that are read during program execution. ROM 586 is a non-volatile memory device having a memory capacity that is typically less than the large 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 radio transceiver cards, and other known network devices. This network connection device 592 allows the processor 582 to communicate with the Internet or with one or more intranets. By using this network connection, the processor 582 can receive information from the network or output 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 signals embodied within the baseband signal and / or carrier may be referred to as transient signals 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, Code, computer program, and script that are accessed from the computer. 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 be referred to in some context as non-volatile instructions and / or non-volatile information.

In one embodiment, the computer system 580 may include two or more computers in communication with one another to cooperate 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, 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 may include providing computing services over a network connection using dynamically varying 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 that are owned and operated by the enterprise as well as cloud computing resources leased and / or employed from third party suppliers.

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 embodying computer usable program code for implementing 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, A multimedia card, and the like. The computer program product may be stored on a computer system 580 by a computer system 580 to store at least a portion of the contents of the computer program product in a secondary storage 584 of the computer system 580, ROM 586, RAM 588, and / And may be suitable for loading into memory and volatile memory. The processor 582 may direct executable instructions and / or data structures from a CD-ROM disk inserted into a disk drive that is, for example, a peripheral of the computer system 580, . ≪ / RTI > 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, Data structures can be processed. 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- And may include instructions that 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. 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. . ≪ / RTI >

The order of the steps of the various processes, data flows, and flowcharts is for illustration and does not necessarily reflect the order in which the various steps should be performed. The steps may be rearranged in different orders in different 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. . Other items shown or described as being in communication with or directly connected to each other may be combined via any interface or device where they may no longer be considered to be directly coupled to one another and may be indirectly, electrically, mechanically, May be combined and communicated. Other examples of alterations, substitutions, and modifications will be apparent to those skilled in the art, and may be made without departing from the spirit and scope of the disclosure. The following numerical items represent non-exclusive sets of exemplary embodiments of the disclosed subject matter.

One. Receiving a payment transaction processing request for the electronic purse;

Identifying authentication information of the request;

Identifying a value token in said electronic wallet; And

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

2. The method according to claim 1,

Further comprising accessing said electronic wallet by accepting an authentication token.

3. 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 wallet includes a primary wallet and a secondary wallet.

5. 5. The method of claim 4,

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

6. 5. The method of claim 4,

And processing at least some of the requests through the secondary purse.

7. 5. The method of claim 4, wherein the primary wallet comprises the value token,

Determining if the request is for the primary purse; And

Further comprising determining whether the value token can satisfy the request.

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

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

Determining if the request is for the secondary purse; And

Further comprising determining whether the value token can satisfy the request.

10. 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. 5. 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 includes another at least one of the two or more value tokens. How to do it.

12. 12. The method of claim 11,

Determining whether a portion of the request is for the primary purse; And

Further comprising determining whether another portion of the request is for the secondary purse.

13. 13. The method of claim 12,

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

Determining if at least a portion of the request can be processed in the secondary purse; And

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

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

18. 2. 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, a ticket or a ticket card, , 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, merchant issued point cards, Value, a merchant-accepted credit card, a merchant-accepted point card, a merchant-accepted promotional value, or a combination thereof.

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

20. 2. The method of claim 1 wherein the value token comprises a closed loop account number and wherein applying at least a portion of the value token comprises depositing or withdrawing a closed loop account associated with the closed loop account number .

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 .

22. 4. 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. 23. The method of claim 22, wherein the priority is a physical location of a retailer sending the electronic wallet request; Trading volume; Types of retailers; Time of day; Day of the week; Week of the month; Month of the year; A department of the retailer sending the electronic wallet request; A lane of a retailer sending said electronic wallet request; Identification of the inspector; The parent company of the retailer sending the electronic wallet request; The value of value tokens; And the type of electronic wallet request; Or a combination thereof. ≪ Desc / Clms Page number 22 >

24. 2. 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 specify a percentage of an electronic wallet request to which the value tokens can be applied.

25. The method according to claim 1,

Further comprising checking rules associated with said electronic wallet.

26. 26. The method of claim 25,

And checking the priority of the value token.

27. 26. The method of claim 25,

Checking a 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. 2. The method 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 method of claim 1, wherein the electronic wallet includes an open loop-related value token,

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

30. The method according to claim 1,

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. 31. The method of claim 30,

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

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

Contacting the second value token agent; And

And requesting the second value token agent to provide the second value token.

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

And placing a value token of the first secondary wallet in the second secondary wallet.

34. The method according to claim 1,

Further comprising: preparing the value token in the electronic purse.

35. 35. The method of claim 34, wherein the value token is prepared at an amount other than the purchase price.

36. 35. The method of claim 34, wherein preparing the electronic wallet comprises encoding a value token having a coupon code.

37. 35. The method of claim 34, wherein preparing the electronic wallet comprises adding the value token to the electronic wallet.

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

Further comprising placing at least a portion of the value token in the secondary purse for which the save is designated.

39. Receiving a payment transaction processing request for the electronic purse;

Determining if the request includes valid authentication information;

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

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

40. 40. The method of claim 39,

Further comprising accessing said electronic wallet by accepting an authentication token.

41. 41. The method of claim 40, 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.

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

43. 43. The method of claim 42,

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

44. 44. The method of claim 43,

And processing at least some of the requests through the secondary purse.

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

Further comprising determining if the request is for the primary purse;

Wherein applying at least some of the value tokens comprises applying at least some of the primary wallet's value tokens to the request.

46. 43. The method of claim 42, wherein the secondary wallet includes the value token,

Further comprising: determining whether the request is for the secondary purse;

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

47. 43. The method of claim 42, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the secondary wallet includes another at least one of the two or more value tokens. How to do it.

48. 49. The method of claim 47,

Determining whether a portion of the request is for the primary purse; And

Further comprising determining whether another portion of the request is for the secondary purse.

49. 49. The method of claim 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. 50. The method of claim 45 or 49, 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.

51. 50. The method of claim 46 or 49, wherein the secondary wallet's value token is applied to the request in accordance with the secondary wallet or the rules of the request.

52. 43. The system of claim 42, wherein the aggregator system receives the request,

Determining if at least a portion of the request can be processed in the secondary purse; And

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

53. Receiving a payment transaction processing request from the supplier of the main purse for the electronic purse;

Determining if a value token can satisfy the request; And

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

54. 54. The method of claim 53,

Further comprising: determining whether the request is for the secondary purse;

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

55. 55. The method of claim 53, wherein the secondary purse comprises a secondary-secondary purse.

56. 56. The method of claim 55,

Further comprising determining if the request is for the secondary-secondary wallet;

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

57. 56. The method of claim 55,

Determining whether a portion of the request is for the secondary purse; And

And determining if another portion of the request is for the secondary-secondary wallet.

58. 55. The method of claim 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 has another at least one ≪ / RTI >

59. 59. The method of claim 58,

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

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

60. 60. The method of claim 54 or 59, wherein the secondary wallet's value token is applied to the request in accordance with the secondary wallet or the rules of the request.

61. 60. The method of claim 56 or 59, wherein the value-token of the secondary-secondary wallet is applied to the request in accordance with the secondary-secondary wallet or the rules of the request.

62. A method comprising: receiving a request for an electronic wallet, wherein the request comprises an electronic wallet request, a balance inquiry request, a registration request, an activation request, a reimbursement request, or a combination thereof; And

And managing the content of the electronic wallet in accordance with the request, wherein the method is for managing the contents of the electronic wallet.

63. 63. The method of claim 62,

And 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. 64. The method of claim 63,

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

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

Contacting the second value token agent; And

And requesting the token agent to provide the second value to the second value token.

66. 63. The system of claim 62, wherein the electronic wallet includes a first secondary wallet and a second secondary wallet, the first secondary wallet including a value token,

And placing a value token of the first secondary wallet in the second secondary wallet.

67. 63. The method of claim 62,

Further comprising: preparing a value token in said electronic wallet.

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

69. 70. The method of claim 67, wherein the value token is prepared at an amount different from the purchase price.

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

71. 63. The method of claim 62, wherein the electronic wallet includes a secondary wallet designated as a save,

Further comprising placing at least a portion of the value token in the secondary purse for which the save is designated.

72. Upon execution, one or more processors may cause the processor

Receiving a payment transaction processing request for the electronic purse;

Identifying authentication information of the request;

Identifying a value token in said electronic wallet; And

Applying at least a portion of the value token to at least a portion of the request. ≪ Desc / Clms Page number 19 >

73. Upon execution, one or more processors may cause the processor

Receiving a payment transaction processing request for the electronic purse;

Determining if the request includes valid authentication information;

Determining whether a combination of value tokens, or 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. ≪ Desc / Clms Page number 19 >

74. Upon execution, one or more processors may cause the processor

Receiving a payment transaction processing request from the supplier of the main purse for the electronic purse;

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. ≪ Desc / Clms Page number 19 >

75. Upon execution, one or more processors may cause the processor

Receiving a request for an electronic wallet, wherein the request comprises an electronic wallet request, a balance inquiry request, a registration request, an activation request, a reimbursement request, or a combination thereof; And

And managing the contents of the electronic wallet in accordance with the request. ≪ Desc / Clms Page number 19 >

76. One or more processors;

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

The memory, when executed,

Receiving a payment transaction processing request for the electronic purse;

Identifying authentication information of the request;

Identifying a value token in said electronic wallet; And

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

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

78. 77. The system of claim 77, 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.

79. 77. The system of claim 76, wherein the electronic purse includes a primary purse and a secondary purse.

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

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

82. 80. The method of claim 79, wherein the primary wallet comprises the value token,

Determine whether the request is for the primary purse; And

The value token being further caused to determine if the request can be satisfied.

83. 83. The system of claim 82, wherein applying at least some of the value tokens comprises applying at least some of the primary wallet's value tokens to the request.

84. 80. The method of claim 79, wherein the secondary wallet comprises the value token,

Determine whether the request is for the secondary purse; And

The value token being further caused to determine if the request can be satisfied.

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

86. 80. The method of claim 79, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the secondary wallet includes another at least one of the two or more value tokens. .

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

Determine whether some of the requests are for the primary purse; And

And further determining whether another portion of the request relates to the secondary purse.

88. 88. The method of claim 87,

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

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

89. 90. The system of claim 83 or 88 wherein the value token of the primary purse is applied to the request in accordance with the rules of the primary wallet or the request.

90. 90. The system of claim 85 or 88, wherein the secondary wallet's value token is applied to the request in accordance with the secondary wallet or the rules of the request.

91. 80. The system of claim 79, wherein the aggregator system receives the request, wherein the one or more processors

Determine if at least a portion of the request can be processed in the secondary purse; And

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

92. 77. The method of claim 76, wherein the request comprises: Authentication information; Purchase amount; Identification of the value token issuer; Identification of vendor; Identification of location; The request date; Primary wallet, secondary wallet, or combination thereof; Transaction data; Authentication data; Or a combination thereof.

93. 76. The method of claim 76 wherein the value token comprises an electronic representation of a value and 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, a ticket or a ticket card, , 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, merchant issued point cards, Value, a merchant-accepted credit card, a merchant-accepted point card, a merchant-accepted promotional value, or a combination thereof.

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

95. 77. The system of claim 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. .

96. 77. The system of claim 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. .

97. 77. The system of claim 76, 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.

98. 97. The method of claim 97, wherein the priority is a physical location of a retailer sending the electronic wallet request; Trading volume; Types of retailers; Time of day; Day of the week; Week of the month; Month of the year; A department of the retailer sending the electronic wallet request; A lane of a retailer sending said electronic wallet request; Identification of the inspector; The parent company of the retailer sending the electronic wallet request; The value of value tokens; And the type of electronic wallet request; Or a combination thereof. ≪ Desc / Clms Page number 24 >

99. The method of claim 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 electronic wallet requests to which the value tokens can be applied. , system.

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

And is further caused to check the rules associated with said electronic wallet.

101. The method of claim 100, wherein checking rules

And checking the priority of the value token.

102. The method of claim 100, wherein checking rules

Checking a 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.

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

Select the closed loop related value token; And

And then to select the open loop related value token.

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

Loop related value token from the one that is being applied to the request.

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

And to exchange 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 method of claim 105, wherein the one or more processors

The second value token or the exchange rate for the asset in the electronic wallet.

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

Contact a second value token agent; And

And requesting the second value token agent to provide the second value token.

108. The system of claim 76, wherein the electronic wallet includes a first secondary wallet and a second secondary wallet, the first secondary wallet including the value token,

Wherein the first secondary wallet is further caused to place a value token of the first secondary wallet in the second secondary wallet.

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

And further to prepare the value token in the electronic wallet.

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

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

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

113. The system of claim 76, wherein the electronic purse includes a secondary purse designated as a save, 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.

114. One or more processors;

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

The memory, when executed,

Receive a payment transaction processing request for the electronic wallet;

Determine if the request includes valid authentication information;

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

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

115. The method of claim 114, wherein the one or more processors

And is further caused to accept the authentication token and access the electronic purse.

116. The system of claim 115, 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.

117. The system of claim 114, wherein the electronic wallet includes a primary wallet and a secondary wallet.

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

And is further caused to process at least a portion of the request through the primary purse.

119. The apparatus of claim 118, wherein the one or more processors

And is further caused to process at least another portion of the request through the secondary purse.

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

Determine whether the request is for the primary purse;

Wherein applying at least some of the value tokens comprises applying at least some of the primary wallet's value tokens to the request.

121. The method of claim 117, wherein the secondary wallet comprises the value token, wherein the one or more processors

Determine whether the request is for the secondary purse;

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

122. The method of claim 117, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the secondary wallet has another at least one The system comprising:

123. The method of claim 122, wherein the one or more processors

Determine whether some of the requests are for the primary purse; And

And further determining whether another portion of the request relates to the secondary purse.

124. The method of claim 123,

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

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

125. The system of claim 120 or 124, wherein the primary wallet's value token is applied to the request in accordance with the primary wallet or the rules of the request.

126. The system of claim 121 or 124, wherein the secondary wallet's value token is applied to the request in accordance with the secondary wallet or the rules of the request.

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

Determine if at least a portion of the request can be processed in the secondary purse; And

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

128. One or more processors;

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

The memory, when executed,

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

Determine if a value token can satisfy the request; And

And apply at least a portion of the value token to at least a portion of the request.

129. The apparatus of claim 128, wherein the one or more processors

Further being caused to determine whether the request is for the secondary purse;

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

130. The system of claim 128, wherein the secondary purse comprises a secondary-secondary purse.

131. The method of claim 130, wherein the one or more processors

To further determine whether the request is for 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 method of claim 130, wherein the one or more processors

Determine whether a portion of the request is for the secondary purse; And

And further determining whether another portion of the request is for the secondary-secondary wallet.

133. The system of claim 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- And at least one of the at least two of the at least two of the at least two of the at least two of the at least two.

134. The method of Claim 133,

Applying at least a portion of the value 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 claim 129 or 134, wherein the secondary wallet's value token is applied to the request in accordance with the secondary wallet or the rules of the request.

136. The system of claim 131 or 134, wherein the value-token of the secondary-secondary wallet is applied to the request in accordance with the secondary-secondary wallet or the rules of the request.

137. One or more processors;

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

The memory, when executed,

Receiving a request for an electronic wallet, wherein the request comprises an electronic wallet request, a balance inquiry request, a registration request, an activation request, a reimbursement request, or a combination thereof; And

And executable instructions to cause the content of the electronic wallet to be managed in accordance with the request.

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

And 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 apparatus of claim 138, wherein the one or more processors

The second value token or the exchange rate for the asset in the electronic wallet.

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

Contact a second value token agent; And

And requesting the second value token agent to provide the second value token.

141. The method of claim 137, wherein the electronic wallet includes a first secondary wallet and a second secondary wallet, the first secondary wallet including a value token,

Wherein the first secondary wallet is further caused to place a value token of the first secondary wallet in the second secondary wallet.

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

And further to prepare the value token in the electronic wallet.

143. The system of claim 142, wherein the value token is prepared at an amount other than the purchase price.

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

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

146. The system of claim 137, wherein the electronic wallet includes a secondary wallet designated as a save,

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, when executed,

Receive a payment transaction processing request for the electronic wallet;

Identify authentication information of the request;

Identify a value token in said electronic wallet; And

Executable instructions that cause at least a portion of the value token to be applied to at least a portion of the request.

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

149. The system of claim 148, 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.

150. The system of claim 149, wherein the electronic wallet includes a primary wallet and a secondary wallet.

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

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

153. The method of claim 152, wherein the primary wallet comprises the value token, wherein the one or more processors

Determine whether the request is for the primary purse; And

The value token being further caused to determine if the request can be satisfied.

154. The system of claim 153, wherein applying at least some of the value tokens comprises applying at least some of the primary wallet's value tokens to the request.

155. The method of claim 154, wherein the secondary wallet comprises the value token, wherein the one or more processors

Determine whether the request is for the secondary purse; And

The value token being further caused to determine if the request can be satisfied.

156. The system of claim 155, wherein applying at least some of the value tokens comprises applying at least some of the secondary wallet's value tokens to the request.

157. The method of claim 156, wherein the electronic wallet includes two or more value tokens, the primary wallet includes at least one of the two or more value tokens, and the secondary wallet has another at least one The system comprising:

158. The method of claim 157, wherein the one or more processors

Determine whether some of the requests are for the primary purse; And

And further determining whether another portion of the request relates to the secondary purse.

159. The method of claim 158, wherein the one or more processors

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

And further applying at least some of the secondary wallet's value tokens to the request.

160. The system of claim 159, wherein the value token of the primary purse is applied to the request in accordance with the rules of the primary purse.

161. The system of claim 159, wherein the value token of the primary purse is applied to the request in accordance with the rules of the request.

 162. The system of claim 159, wherein the value wallet of the secondary wallet is applied to the request in accordance with the rules of the secondary wallet.

163. The system of claim 159 wherein the value token of the secondary wallet is applied to the request in accordance with the rules of the request.

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

Determine if at least a portion of the request can be processed in the secondary purse; And

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

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

166. The method of claim 165, 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, The issuance promotional value, the merchant acceptance credit card, the merchant acceptance point card, the merchant acceptance promotional value, or a combination thereof.

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

168. The method of claim 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 claim 168, wherein the value token includes 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 claim 169, 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.

171. The method of claim 170, wherein the priority is a physical location of a retailer sending the electronic wallet request; Trading volume; Types of retailers; Time of day; Day of the week; Week of the month; Month of the year; A department of the retailer sending the electronic wallet request; A lane of a retailer sending said electronic wallet request; Identification of the inspector; The parent company of the retailer sending the electronic wallet request; The value of value tokens; And the type of electronic wallet request; Or a combination thereof. ≪ Desc / Clms Page number 24 >

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

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

And is further caused to check the rules associated with said electronic wallet.

174. The method of claim 173,

And checking the priority of the value token.

175. The method of claim 174,

Checking a 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.

176. The method of claim 175, wherein the electronic wallet includes a closed loop related value token and an open loop related value token,

Select the closed loop related value token; And

And then to select the open loop related value token.

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

Loop related value token from the one that is being applied to the request.

178. The method of claim 177, wherein the one or more processors

And to exchange 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 method of claim 178, wherein the one or more processors

The second value token or the exchange rate for the asset in the electronic wallet.

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

Contact a second value token agent; And

And requesting the second value token agent to provide the second value token.

181. The apparatus of claim 180, wherein the electronic wallet includes a first secondary wallet and a second secondary wallet, the first secondary wallet including the value token,

Wherein the first secondary wallet is further caused to place a value token of the first secondary wallet in the second secondary wallet.

182. The apparatus of claim 181, wherein the one or more processors

And further to prepare the value token in the electronic wallet.

183. The system of claim 182, wherein the value token is prepared at an amount different from the purchase price.

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

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

186. The apparatus of claim 185, wherein the electronic purse includes a secondary purse designated as a save,

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

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

Claims (1)

  1. A system comprising an electronic value token transaction computer, the electronic value token transaction computer
    One or more processors; And
    A memory coupled to at least one of the one or more processors;
    The memory comprising:
    The electronic value token transaction computer receiving a payment transaction processing request for an electronic purse, the request including transaction information;
    Wherein the electronic value token transaction computer identifies the authentication information of the request, the transaction information and the authentication information being separately maintained, individually processed, individually routed;
    The electronic value token transaction computer identifying a value token in the electronic wallet; And
    Executable instructions that cause the system to cause the electronic value token transaction computer to apply at least a portion of the value token to at least a portion of the request.
KR1020197010368A 2011-05-31 2012-05-30 A system for payment via electronic wallet KR20190041539A (en)

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US201161491791P true 2011-05-31 2011-05-31
US201161491813P true 2011-05-31 2011-05-31
US61/491,813 2011-05-31
US61/491,791 2011-05-31
US201161496404P true 2011-06-13 2011-06-13
US201161496397P true 2011-06-13 2011-06-13
US61/496,397 2011-06-13
US61/496,404 2011-06-13
PCT/US2012/039981 WO2012166790A1 (en) 2011-05-31 2012-05-30 A system for payment via electronic wallet

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IN2013DN11079A (en) 2015-06-05
CA2837208A1 (en) 2012-12-06
MX2013013903A (en) 2014-07-22
WO2012166790A1 (en) 2012-12-06
AU2017218967A1 (en) 2017-09-07
AU2012262317A1 (en) 2013-12-19
AU2017210537A1 (en) 2017-08-17
AU2019232775A1 (en) 2019-10-03
JP2018063729A (en) 2018-04-19
CN103718200A (en) 2014-04-09
CN106803176A (en) 2017-06-06
GB2505382A (en) 2014-02-26

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