CN103718200A

CN103718200A - System for payment via electronic wallet

Info

Publication number: CN103718200A
Application number: CN201280038073.9A
Authority: CN
Inventors: T·A·坎波斯; K·米勒; T·拉迟; K·D·哈珀; A·安萨里
Original assignee: Blackhawk Network Inc
Current assignee: Blackhawk Network Inc
Priority date: 2011-05-31
Filing date: 2012-05-30
Publication date: 2014-04-09
Also published as: AU2023258434A1; AU2019246813A1; KR20190041539A; KR20200138828A; JP2018063729A; JP2023016836A; IN2013DN11079A; AU2021229141A1; GB2505382A; AU2017210537A1; KR20140038473A; AU2021236487A1; AU2012262317A1; WO2012166790A1; CA2837208A1; JP7404154B2; GB201322282D0; CN106803176A; AU2023248078A1; CA3161647A1

Abstract

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

Description

For the system paying by stored value card

The cross reference of related application

The application requires the right of priority of following application: U.S. Provisional Patent Application No.61/491,791 and 61/491,813, both are all filed on May 31st, 2011, and name is called " A System for Payment via Electronic Wallet (for the system paying by stored value card) "; U.S. Provisional Patent Application No.61/496,397 and 61/496,404, both are all filed on June 13rd, 2011, and name is called " System; Method, and Apparatus for Creating and Distributing a Transaction Credit (for creating system, the method and apparatus with dispensing transaction credit) ", and wherein every portion is all incorporated herein in full with way of reference.

The application is also with way of reference and there is the disclosure of following application, theme and concept whole: U.S. Patent application No.12/538, 083, this application is filed on August 7th, 2009, name is called " Transaction Processing Platform for Facilitating Electronic Distribution of Plural Prepaid Services (for the transaction processing platform of the electronic distribution of the multiple prepaid services of facility) ", and be the U.S. Patent application No.12/338 that is filed on Dec 18th, 2008, 854 continuation application, U.S. Patent application No.12/338, the 854th, be filed in the U.S. Patent application No.11/851 on September 6th, 2007, 337 continuation application (is U.S. Patent No. 7 now, 477, 731), U.S. Patent application No.11/851, the 337th, be filed in the U.S. Patent application No.11/007 on Dec 7th, 2004, 662 (is U.S. Patent No. 7 now, 280, 644) continuation application, U.S. Patent application No.13/040,074, this application is filed on March 3rd, 2011 and is called " System and Method for Electronic Prepaid Account Replenishment (for the supplementary system and method for electronics advance account) ", U.S. Patent application No.10/821,815, this application is filed on April 9th, 2004 and is called " System and Method for Distributing Person Identification Numbers Over a Computer Network (for distribute the system and method for PIN (Personal Identification Number) by computer network) ", U.S. Patent application No.12/786,403, this application is filed on May 24th, 2010 and is called " System and Method for Distributing Person Identification Numbers Over a Computer Network (for distribute the system and method for PIN (Personal Identification Number) by computer network) ", U.S. Patent application No.12/711,211, this application is filed on February 23rd, 2010 and is called " System and Method for Distributing Person Identification Numbers Over a Computer Network (for distribute the system and method for PIN (Personal Identification Number) by computer network) ", and U.S. Patent application No.12/719,741, this application is filed on March 8th, 2010 and is called " Systems and Methods for Personal Identification Number Distribution and Delivery (system and method that distributes and send for PIN (Personal Identification Number)) ".

Background technology

Electronic transaction market is flooded with is at present permitted eurypalynous credit card, debit card, stored value card and loyalty card, and all these cards can be by different publishers, sell the supplier that advocates peace provides.Some cards are customized to redeem from retailer, and other cards can be redeemed by financial institution.Other jig has the sales promotion of binding, for example, and loyalty card.Yet, the quantity of card and complicacy constantly increase make tissue and redeem more and more difficult, thereby hinder potentially the growth in market.For example, user may not know or forget the stored value card that it has this shop during certain shops shopping, because this user has too many stored value card.In addition, his various types of sales promotion of being combined with loyalty card of providing that user may be not understood to use card, therefore, may not can benefit from being applicable to the sales promotion of user's shopping.In the past, fixture body was in the tangible medium such as plastics, so easy loss, stolen, or just fell at home when needed.Along with offering the continuous increase of consumer's the transaction offering based on card, many consumers face the businessman of tissue, management, tracking, transportation and keeping their all credits card, debit card, stored value card, loyalty card and other type, the burdensome task of selling the card of the supplier's distribution of advocating peace.The consumer of today is needed is more efficient, safety and the effective mode of obtaining and use their property relevant with card.

Summary of the invention

Disclosed herein is computer-implemented method and system, comprise in one embodiment for implementing the computer-implemented method and system of stored value card, and comprise such as for example, adding to stored value card or its part (, sub-wallet) and be worth token (value token) or from the function of stored value card or its a part of redemption value token.In one embodiment, a kind of method comprises all or part of the processing request receiving for the payment transaction of stored value card or sub-wallet.The method also comprises the one or more value tokens in identification wallet or sub-wallet, when it uses together, will meet all or part of of payment transaction.The method also comprises electronic value token is applied to all or part of of payment transaction.

In another embodiment, non-transient machine-readable storage device comprises executable instruction, and it causes one or more processors to receive a part for the sub-wallet of electronics, payment transaction, comprise the stored value card of sub-wallet, the processing request to the handled payment transaction of wallet when carrying out.Processor is also caused the one or more value tokens in recognin wallet, and these are worth when token is used together and will meet the described part of payment transaction.Processor is also caused the described part that electronic value token is applied to payment transaction.

In another embodiment, a kind of system comprises one or more processors and the storer that is connected to these one or more processors.Storer comprises executable instruction, and it causes one or more processors to receive a part for the sub-wallet of electronics, payment transaction, comprise the stored value card of sub-wallet, the processing request to the handled payment transaction of wallet when carrying out.One or more processors are also caused the one or more value tokens in recognin wallet, and these are worth when token is used together and will meet the described part of payment transaction.One or more processors are also caused the described part that electronic value token is applied to payment transaction.

In one embodiment, a kind of electronic value token transactions computing machine comprises point of sale interface and taxon, and the data storage area that is connected to stored value card transactions computing machine comprises stored value card unit.Point of sale interface receives request, and taxon is identified as by one in request the stored value card request that comprises authorization information.The stored value card that electronic value token transactions computing machine is associated with authorization information via stored value card unit access.Rule and the value token based in this rules selection stored value card that the inspection of electronic value token transactions computing machine is associated with stored value card, these are worth when token is used together will meet stored value card request.Electronic value token transactions computing machine is applied to stored value card request by electronic value token.

Accompanying drawing explanation

Figure 1A, Fig. 2 A, Fig. 2 B and Fig. 2 C are according to the schematic diagram of the electronic value token transactions disposal system of at least one embodiment.

Figure 1B illustrates the exemplary embodiment of stored value card.

Fig. 3 A, Fig. 3 B and Fig. 3 C are according to the front perspective view of the Representative Person proxy card of at least one embodiment.

Fig. 3 D is according to the front perspective view of the Representative Person digital assistants of at least one embodiment.

Fig. 4 A describes being used for creating stored value card by electronic value token transactions computing machine and maybe will being worth that token adds stored value card to or from the process flow diagram of the example process of stored value card redemption value token according at least one embodiment.

Fig. 4 B describes being used for creating the sub-wallet of electronics by electronic value token transactions computing machine and maybe will being worth that token adds the sub-wallet of electronics to or from the process flow diagram of the example process of the sub-wallet redemption value of electronics token according at least one embodiment.

Fig. 5 illustrates the particular machine that is applicable to implementing some embodiment of the present disclosure.

Fig. 6 A-6D illustrates a series of user interface pictures and the prompting according at least one embodiment.

Embodiment

Disclosed herein is a kind of efficient, safe and efficient method for organizing, manage, transport, taking care of the property of the form of ownership relevant with credit card, debit card, loyalty card and stored value card with use, and disclosed method comprises stored value card (" e wallet ").As shown in Figure 1B, e wallet is a kind of data file keeping in electronics mode, it (for example can comprise authorization information, service regeulations, sub-wallet, for keeping individually the information relevant with credit card, the information relevant with debit card and the relevant information with stored value card) and electronic value token (for example, be included in monetary value that the information relevant with credit card in e wallet/sub-wallet, the information relevant with debit card and the information relevant with stored value card is associated and/or the electronic representation of other value).In certain embodiments, as Fig. 6 A-6D reflects, user can create e wallet, for e wallet, sets up rule, and e wallet is provided, and access e wallet is to be conducive to electronic transaction.

As shown in Figure 1A, Fig. 2 A-2B and Fig. 4 A-4B, also disclose a kind of electronic value token transactions disposal system herein, it provides a kind of for being conducive in blending transaction tissue, management, transportation, keeping and using efficient, the safe and efficient system of aforementioned e wallet and electronic value token for user, businessman, seller, publisher, supplier and other shareholders.

As will be described more comprehensively herein, the key concept and the function that exist some by e wallet and e wallet enabled systems, to be adopted.These concepts comprise e wallet establishment, e wallet (for example, tangible card is converted to electronic value token and electronic value token is associated with to e wallet or request is associated electronic value token with e wallet), access e wallet are provided and set up regular for the use of e wallet.

In addition,, as herein will be more comprehensively described in detail, e wallet therein e wallet supplier is for example managed, in the system of full content (, main e wallet, any sub-wallet or secondary wallet and relevant electronic value token wherein) of e wallet and is used.Alternatively, e wallet can be used in such system: wherein, e wallet supplier only manage e wallet content a part (for example, main e wallet and electronic value token wherein), and the management of one or more (or all) sub-wallets or secondary wallet is entrusted to third-party electronic value token transactions disposal system.

As will be described in further detail herein, in these two kinds of described management systems, any can be configured to allow the function of e wallet of the complete leading subscriber of user of system; Increment/present plan that participation is provided by publisher, seller and/or other electronic value tokens interested party; Card activity (for example, wherein user becomes the not electronic value token in e wallet by the electronic value exchange of tokens remaining in its e wallet) is changed in participation; And participate in the savings plan provided by publisher, seller and/or other electronic value tokens interested party.

Figure 1A illustrates exemplary electronic value token transactions disposal system 100.Particularly, Figure 1A illustrate be configured for the electronic value token transactions computing machine 150 of communicating by letter with point of sale device 111, one or more authoring system 160 (as, retailer, bank and credit card) and data storage area 180.In addition, Figure 1A illustrates that point of sale device 111 and proxy card 200 (it will be shown as hereinafter and represent for accessing the embodiment of the device of e wallet for user) are communicated by letter and data storage area 180 comprises e wallet unit 199, and e wallet unit 199 comprises again e wallet 10.

Figure 1B illustrates the stored value card 10 according to an embodiment, and be to be understood that, the details of e wallet 10 can in various embodiment disclosed herein any (for example, e wallet 10 as Figure 1A, Fig. 2 A and Fig. 2 B) and the maintenance of described e wallet 10 can be completely by single e Wallet System (for example, electronic value token transactions disposal system 100) carry out or can be assigned to a plurality of e Wallet Systems (for example, electronic value token transactions disposal system 1100 and 1200 and E-wallet polymerizer system 1000).Particularly, Figure 1B illustrates stored value card 10, and it comprises authorization information 801, rule 802, electronic value token 804, the sub-wallet 807 for credit card electronic value token, sub-wallet (having corresponding rule 817 and electronic value token 827), for the sub-wallet 808 (having corresponding rule 818 and electronic value token 828) of debit card electronic value token and for the sub-wallet 809 (having corresponding rule 819 and electronic value token 829) of stored value card electronic value token.Figure 1A and Figure 1B can further understand from discussion below.

In order to eliminate in ever-increasing complicacy aspect tissue, transportation, security and redemption, transactional cards is stored as the value token in stored value card in electronics mode.As used herein, be worth token and refer to the electronic identifier that can be used to and be ready for example to accept as the bid of purchase side's transaction business of electronic value token.The example of such value token comprises the electronic representation of other physical representation (for example, the commodity of credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, prepayment or forward purchasing or service etc.) of stored value card (also referred to as prepaid card) and various types of value or associated.In one embodiment, be worth token and comprise cash or currency.In one embodiment, electronic value token comprises credit or debit card or account.In one embodiment, be worth token and comprise the account who is pre-existing in, such as merchant account, bank account etc.In one embodiment, be worth token and comprise that credit, integration, reward voucher or sales promotion businessman's distribution and/or that accept are worth.In one embodiment, be worth token and be associated with prepaid card or account, and except as otherwise noted, should be appreciated that various embodiment described herein can realize under the prepaid card such as businessman's Gift Card or account's background.

The physical representation of physics credit card, debit card, stored value card or other value can be exchanged into and is worth token to add stored value card to.For example, the physical representation of physics Gift Card or other value can be converted into the value token in user's stored value card by point of sale device, mobile phone, computing machine, Short Message Service (" SMS ") etc.Once so transform, electronic value token can be redeemed by the stored value card of calling party during buying by user after checking, and needn't have the physical representation such as Gift Card.Like this, term used herein is worth the physical representation that token refers to electronic representation and can be converted into electronic representation.In at least one embodiment, physics Gift Card lost efficacy after transforming.In alternative, physics Gift Card lost efficacy after using stored value card or physics Gift Card redemption electronic value token.

Consumer's use value token is usually directed to seller, redeems businessman or retailer and publisher.In various embodiments, seller, redemption businessman and publisher can be identical, different or relevant entities.Buy there and be worth token or otherwise provide value token can be called as seller with the point of sale being included in stored value card.Therefore, seller sells electronic value token itself, but electronic value token can be redeemed at another commercial location.To accept to be worth token can be called as and redeem businessman or retailer for the entity of business transaction (for example,, as the bid of buying).For example, the electronic value token of clothes shop can be sold by grocery store.Grocery store is seller, and clothes shop is for redeeming businessman or retailer.Provide and can be called as publisher to the entity of the finance support of the given value token such as prepaid card or account and/or payment processes.Publisher such as band shop brand's equity token (for example comprises, the prepaid card with shop brand or token by businessman's invitation to subscribe, be sometimes referred to as closed loop prepaid card) the direct issuer of value token, and in certain embodiments, seller can be also publisher and/or redeem businessman's (prepaid card or token of for example, being issued, sold and redeem by identical businessman).Publisher also comprises the financial institution such as bank, VISA, MasterCard, American Express etc., and the value token by this class authority releases can easily be accepted to carry out such as the transaction of buying (being sometimes referred to as open loop prepaid card or token, because they can be redeemed at many different businessmans place) by many businessmans that redeem.Publisher can be also the supplier that such as Google, Facebook, Twitter etc. has the stored value card of brand, and in certain embodiments, this type of value token that has the wallet of brand to comprise to be associated with publisher (for example, Google " cash " or credit, PayPal currency, Facebook electronic money etc.), and can comprise the sub-wallet that comprises the value token relevant with Gift Card, the sub-wallet that comprises the value token relevant with credit card, the sub-wallet that comprises the value token relevant with debit card or their combination or be associated with them.

In general, electronic value token transactions computing machine 150 be included in stored value card or sub-wallet in the account that is associated of electronic value token on credit or debit's (or take other measure of the type described herein).Electronic value token transactions computing machine 150 can generate or forward the message to authoring system 160, so that authoring system 160 can credit on the account who is associated with electronic value token or debit's (or take other measure of the type described herein).Acknowledge message turns back to electronic value token transactions computing machine 150 and POS device 111, and stored value card 10 or sub-wallet are updated where necessary.

In at least one embodiment, Transaction Information separates with authorization information.For example, about the information in bought item, purchasing price, purchase place etc. be counted as Transaction Information and with such as the authorization information of checking token, PIN, account number etc., separate.Except other aspects, make Information preservation separately allow to process separately and route, so that higher efficiency and privacy to be provided.For example, when according to configurable rule application electronic value token, the Transaction Information variable that priority can be based on such as following: the physical location of initiating the retailer of stored value card request; Trading volume; Retailer's type; Work as Time of Day; What day; Which in a middle of the month in the week; Which in 1 year in month; Initiate the retailer's of stored value card request department; Initiate the retailer's of stored value card request passage (lane); Checker's sign; Initiate the retailer's of stored value card request parent company; Be worth the value of token; And the type of stored value card request in various embodiments.This type of transaction and/or authorization information can be by system described herein in conjunction with rule-based decision-making (for example, check this type of transaction data to verify and to apply and the sales promotion of concluding the business and being associated) use, for example, to realize security purpose (, contrast predetermined overview and check this type of transaction data to help identification swindle) etc.

In at least one embodiment, wallet supplier represents buyer, and the redemption of electronic value token occurs after buying.Yet this time does not mate in retailer's record and produces difference.Particularly, retailer is recorded in the transaction between retailer and wallet supplier.The redemption that retailer's record is undertaken by being worth token in the future, does not seem and buys.In these cases, need will to redeem the third party keeper who is connected with transaction.

Can exist many modes that value token is provided or be added into stored value card.For example, user can pay the bill to seller for being worth token, and seller can insert electronic value token in user's wallet.Alternatively, user can be worth the physical representation (for example, card, document, printing receipt etc.) of token and can subsequently value be increased to stored value card (for example,, by the user interface of phone or access) from seller's electron gain.User can select the many different retailer associated from seller.In other words, given seller can provide the multiple token being associated from different retailers.For example, retailer can provide sales promotion to strive for user's business when the value token of purchase such as advance account.

Each retailer can stipulate to be worth the concrete form of token.For example, a retailer can require 16 card numbers to add due date in 4 month/time.Other retailer can require PIN (Personal Identification Number), access number, card validation value number, card security code number etc.Every information for different retailers can have different-format and different names.Therefore, stored value card supplier or owner (for example, main e wallet supplier) have the third party's management that is worth the electronic representation of token by permission such as the various forms of stored value card, credit card, debit card, loyalty card and sales promotion card and by main e wallet supplier management, other subset of more expensive value token are benefited.

In one embodiment, the value token being associated with prepaid card or account can with stored value card in sub-wallet (for example, the sub-wallet that mainly contains brand stored value card such as Google stored value card) be associated, and can represent mainly/primary stored value card owner of third party or supplier manage sub-wallet.For example, (for example relating to the value token that is associated with prepaid card or account, electronics or virtual stored value card) trading time period, the supplier of stored value card allows to be worth with this type of sub-wallet that token is associated and controls a part of concluding the business, and sometimes also referred to as son, concludes the business.In one embodiment, son transaction comprises the transaction being associated with electronics prepaid card or account, for example, redeems, is worth increase (for example, appending), activates, closes, identifies swindle etc.Particularly, third party keeper can be rapidly and managing transaction at low cost, includes but not limited to, determines and/or provide the correct format of son transaction, and independently and/or coordinate further executions to conclude the business with main stored value card owner or supplier.This form can relate to that given value token comprises or the details of information/data associated therewith (for example, the type of card number, security code etc.) and/or the form of the information that is associated with particular transaction or data (for example, waiting until in message field or other data layout for receive when processing transaction/transmission such as characteristic, tissue, the packing of the data of Card Type, type of transaction, security code etc.).For example, third party's management can pass to main wallet supplier by correct transaction format module.In at least one embodiment, third party keeper is from asking or determine from user's request the retailer's who is associated with transaction identify label (identity).Preferably, third party keeper safeguards the database of a plurality of transaction forms that are associated with a plurality of retailers.After determining the retailer's who is associated with transaction identify label, the retailer's that third party keeper using form database is identified the transaction form being associated, and all subsequent treatment all use the distinctive transaction form of retailer and vocabulary to carry out.In one embodiment, user may wish to use physics stored value card to add value token to stored value card.User is required for example by being positioned at the user interface of point of sale (in one embodiment, comprising the point of sale being associated with personal computer, for example, by website online shopping), to identify the retailer who is associated with this stored value card.In another embodiment, user by based on website or personal digital assistant interface (for example, mobile phone application) information being associated with Stored Value token is provided.Correspondingly, the data that provide according to user, can quote suitable form from database, and can show that the diagrammatic representation of physics stored value card or other solid model represent to user, with the concrete input message highlighting on solid model.Like this, user knows that what need to be inputted adds electronic value token to stored value card exactly.Be derived from solid model user input information by there is correct form and/or can further be revised by third party keeper, packing etc. to be to meet other call format.Although described in be exemplified as simply, can be also more complicated transaction.As will be more comprehensively described, for a part for transaction, use the relevant transaction of value token in main wallet and/or sub-wallet to be handled similarly for the value token in the value token of other type or the main wallet of value exchange of tokens being associated with other retailers and/or sub-wallet with (ii) with (i) herein.For example, user may wish that the value token that the retailer who seldom goes with user is associated changes the value token that the retailer that often goes with user is associated into.In addition, third party keeper can use the transaction form being associated with identified retailer for transaction or sub financial reconciliation of concluding the business (for example,, to advance account note debit and note credit side).In this case, the use of correct transaction form is not only convenient, and is usually necessary.

As described above, the sub-wallet of electronics is to be for example positioned at, in concrete e wallet (, main wallet or primary wallet) or the part of the concrete restriction of e wallet associated therewith.Sub-wallet can be managed/be safeguarded by keeper, processor and/or the supplier of main or primary e wallet, or can be by the opposing party, system, processor, subroutine or server admin.The independent management of the sub-wallet of electronics allows main e wallet supplier and user to utilize scale economics.For example, all electronic value tokens can be stored in a sub-wallet, and simultaneously credit card and debit card are stored in main e wallet or the independent sub-wallet of electronics.Therefore, the supplier of main e wallet can manage/carry out about the transaction with being arranged in the credit card of main e wallet and the value token that debit card is associated, allow third party to manage/carry out the transaction of the value token being associated about the electronic value token with being arranged in the sub-wallet of electronics simultaneously, thereby make third party avoid bank with high costs and credit supervision.In addition, third party keeper can utilize scale economics to receive the payment to its service by arbitrage, commission, each transaction paying etc.

By the independent management of sub-wallet, third party keeper (keeper of the sub-wallet of electronics for example, being associated with electronics advance account) facilitates for user and main stored value card supplier.Conventionally, third party keeper be grasp to process financial reconciliation or with the knowledge of other transaction and the sole entity of professional technique (for example, the database of required transaction form) that are associated with given publisher associated electronics advance account.For example, third party keeper can be the sole entity that the particular transaction on retailer's account book can be matched to the specific use that is worth token or stored value card.As discussed in more detail herein, in certain embodiments, third party keeper carries out, implements and/or be responsible for all or part of function of describing in conjunction with electronic value token transactions computing machine 150, for example, for example for the main owner of all stored value cards if any brand stored value card or supplier, managing, under the background of the sub-wallet of one or more electronics (the sub-wallet of electronics, being associated with electronics advance money such as representing the closed loop account of one or more businessmans distribution).

Can be by checking token or for other means gate or protection of secure access stored value card to the access of stored value card, its example comprises proxy card or personal digital assistant or such as the mobile device of smart mobile phone.Other embodiment of access stored value card comprises without cassette access, for example, and number/password combination, not with the number of password etc.Biometric information also can be used for checking and access object, for example fingerprint or iris line.Near-field communication technology also can be used to implement checking token.Near-field communication technology can be implemented at physical point of sale (pos) or in conjunction with online transaction.Under any occasion, near-field communication technology all can for example, be implemented by proxy card (, 200,201 or 203), personal computer, personal digital assistant, smart mobile phone 204 or other device relevant with online transaction by user.Therefore, checking token can be tangible, invisible or their combination.In one embodiment, checking token can generate, creates and/or form to identify uniquely electronic transaction when electronic transaction starts.In one embodiment, the checking token generating uniquely can comprise the key element of stored value card identifier, merchant identifier, point of sale identification symbol, electronic value token identifier, electronic value token publisher identifier, electronic value token transactions processor identifiers or their combination.In another embodiment, the checking token generating uniquely can be any part that is completely unique and that do not comprise any identifier before this.

The example of proxy card illustrates at Fig. 3 A, Fig. 3 B and Fig. 3 C.Fig. 3 A has described proxy card 200, and wherein authorization information 211 is being blocked on 200 by means of the barcode encoding that can be read by optical scanner.Fig. 3 B has described proxy card 201, and wherein authorization information 211 is coded on the magnetic stripe being positioned on card 201.Fig. 3 B has described proxy card 203, and wherein authorization information 211 is coded on the near-field communication chip on card 201.In certain embodiments, proxy card can have magnetic stripe and bar code (or a plurality of magnetic stripe and/or bar code), and the one or more authorization informations 211 that comprise in them.Proxy card 200,201 and 203 paper by the first suitable materials such as plastics, paper, painting plastics, laminates or their combination are made.Proxy card 200,201 and 203 typically manufactures the thickness range in approximately 0.005 to approximately 0.040 inch.Proxy card 200,201 and 203 is all loaded with authorization information 211, for example, and corresponding to account number, sequence number, authorization code, digital signature, electron key or the key code of e wallet, RFID chip/data etc.Proxy card authorization information 211 is unique and proxy card is associated with stored value card for proxy card, and in one embodiment, and this association store is can be in the Admin Access's of e wallet database.In near-field communication chip as shown in Figure 3 C, a series of numeral, a series of letter or their combination on the bar code as shown in Figure 3A of authorization information 211 codifieds on proxy card 200, the magnetic stripe as shown in Figure 3 B on proxy card 201, proxy card 203.Proxy card 200,201 and 203 also can be designed with the PIN (Personal Identification Number) of inputting in process of exchange or PIN, and it is corresponding to authorization information 211 and allow access and/or use stored value card.In one embodiment, PIN codified is in bar code, magnetic stripe, a series of numeral, a series of letter or their combination.In one embodiment, PIN can by packing or by such as can scraping article or the barrier material of peeling label or its combination cover.In certain embodiments, proxy card can comprise card security code (CSC), card test value (CVV or CV2), card test value code (CVVC), card check code (CVC), check code (V-code or V code), card code check (CCV), credit card ID (CCID) or their combination, and this category code (together with any other verification msg described herein or token) can pay mandate or the checking transaction for for example initiating in point of sale in conjunction with the e wallet to purchase-transaction.

Fig. 3 B has described proxy card 201, and wherein authorization information 211 is coded on the magnetic stripe being positioned on card 201.Magnetic stripe can manufacture conventional configurations, for example, is positioned at the structure being formed by slurry deposition on card 201, and it can be scanned in the magnetic-strip reading equipment of the Tranz terminal of manufacturing such as Verifone.For extra security, authorization information 211 also can stand cryptographic algorithm before being encoded on magnetic stripe.

In at least one embodiment, proxy card 200 comprises the bar code that is positioned at proxy card 201, and UPC code (for example, GS1-128 or UCC/EAN-128) for example makes the bar code fetch equipment scanning that it can be known.Be coded in the bar code on proxy card is the expression of authorization information 211.

In other embodiments, a series of numerals, a series of letter or their combination can be placed on

proxy card

200 and 201, to read or decipher by people or device, described device is optical character recognition device, and it is configured to decipher corresponding to a series of shapes of packaging label symbol.Such as virtual or can use in various embodiment described herein without the as herein described any suitable checking token of cassette checking token, mobile phone etc.

In a further embodiment, for example, proxy card 203, near-field communication technology, radio-frequency (RF) identification (RFID) label, microprocessor and/or microchip can be placed on proxy card so that by the device decipher of concrete configuration.RFID label, microprocessor and/or microchip can except or replace bar code 255 and the magnetic stripe on proxy card 201 256 on proxy card 200 to use, or can combine use with these or other means that authorization information are coded on proxy card.Alternatively, this type of RFID or the device that can be operated by user such as other means of near field, bluetooth etc. the personal digital assistant of smart mobile phone (for example, such as) are used to provide stored value card access and/or authentication function.In one embodiment, checking token is associated with the personal digital assistant such as smart mobile phone 204, as shown in Figure 3 D.For example, be stored in phone and/or via the stored value card of interviewing by phone and can comprise checking token, or phone itself can comprise to serve as verifies the hardware of token and/or unique electronic data verification msg of sequence number, MAC Address, SIM card, digital signature, electron key, user ID, telephone number, password etc. (for example, such as).Such phone can use near-field communication and point of sale device to communicate by letter and the data of verifying that token is associated, for checking and transaction object.For example, phone can be near point of sale device through and use near-field communication agreement that user and/or wallet information and authorization information are passed to point of sale device.Phone can be passed to point of sale device by all or part of of wallet and/or authorization information, and allow point of sale device determine which is partly applicable to current transaction, or phone is the current applicable part of transmission of information only, that is, and by the information of using at current trading time period.That is, about to/for example, from the logic of checking token (, phone) and the wallet of point of sale device and/or the transmission of authorization information, can be positioned on demo plant, on point of sale device or on both.In one embodiment, phone can be provided for hardware and/or the software of authentication of users, for example, and camera or scanner and for the related application of the biometric data confirming to be associated with user, and after authentication of users, phone will convey to point of sale device good authentication.Point of sale device can for example, for example, communicate with wallet owner or supplier (, main e wallet owner) and any sub-wallet owner or supplier (, third party keeper).In another example, point of sale device can be only and wallet owner or supplier's (for example, main e wallet owner) communication, and wallet owner or supplier can for example, communicate by letter with third party keeper (, sub-wallet owner or keeper).Although various configurations allows communication, transaction still may be carried out in real time, and client is not caused to delay, because each side is used scalable framework.

In one embodiment, demo plant is proxy card.Although proxy card is not entity card, the outward appearance that proxy card is similar to credit card, debit card and/or stored value card will contribute to adopt and access stored value card, because client knows how to use electronic value token.Therefore, consumer may regard a plurality of cards that combine together as proxy card, or only proxy card is regarded as to stored value card itself, although be physical representation.Checking token can present such as following tangible or invisible embodiment and/or associated: mobile device, PIN (Personal Identification Number), telephone number add PIN (Personal Identification Number), password, user name encrypted code, bio-identification identifier etc.Checking token packet contains, provides and/or be associated with authorization information (for example, electronically validating data or information), and this information is associated user with stored value card.Therefore a plurality of value tokens that, are included in stored value card (or its sub-wallet) are associated with user.

Forward Figure 1A to, electronic value token transactions computing machine 150 is 180 access stored value cards 10 from data storage area.Prepaid card or stored value card electronic value token can comprise the electronic representation of Gift Card, loyalty card, sales promotion etc.POS device 111 obtains authorization information and by authorization information (with rule in some cases, being used to the content of asked transaction allocation e wallet) and purchase information and/or be worth the part as transaction request together with token information and be sent to electronic value token transactions computing machine 150 via the checking token such as smart mobile phone or proxy card 200 from e wallet user.Electronic value token transactions computing machine 150 uses correct stored value card 10 or the sub-wallet in authorization information locator data memory block 180 and (for example acts on electronic value token, add value token to main wallet or sub-wallet, activate to be worth token, by being worth token, debting, to being worth token, append, inquire about the remaining sum etc. that is worth token) or according to the information check rule of request (receive together with request, be associated with e wallet or their combination by electronic value token transactions disposal system 100,1100,1200).For example, for purchase-transaction, electronic value token transactions computing machine 150 for example, selects to meet according to rule (, be the rule that meets that purchasing price is applied for or the order of redemption value token or priority are associated) the electronic value token of buying.

As shown in Figure 2 A and 2 B, electronic value token transactions computing machine 150 comprises regular unit 159.Rule unit 159 provides by e wallet user, e wallet supplier, e wallet and accepts regular processing, management, the associated and enforcement function of e wallet (with sub-wallet) that businessman, electronic value token publisher, e purse transaction system manager and their combination provide, select and/or require.Rule unit 159 can be used to the rule that provides, select and/or require to be associated with the e wallet and the sub-wallet that remain in database 180 and/or e wallet unit 199.Rule unit 159 can comprise regulation engine, for derived rule so that (or replacement) provided by any Else Rule allocation entity or any ad hoc rules of selecting is applied to transaction in the situation that do not exist.Rule unit 159 can be used for inserting e wallet/sub-wallet regular data via following mode: (i) the e wallet user input user interface of self-aided terminal (kiosk), smart mobile phone, personal digital assistant and accessible the Internet (for example, via); (ii) e wallet supplier input; (iii) e Wallet System keeper's input; Or their any combination (iv).For example, e wallet user can provide concrete customized rules to electronic value token transactions computing machine 150 via self-aided terminal 189 interfaces, and the electronic value token that this rule specified in more detail is included in e wallet should determine that priority is for meeting transaction in which way.Alternatively, same e wallet user can select to be applicable to simply the regular type of e wallet from the option list being provided by self-aided terminal 189 displays.In addition, may have such situation, for example, in savings situation, some law, rules and/or policy requirements are restricted to e wallet the selected transaction (for example, transferring accounts from saving special-purpose e wallet) of given number of times in a period of time.

In one embodiment, rule can be created and is configured to for be worth the process flow diagram of token according to purchase Information Selection by user.For example, the shop X that rule can be included as any amount of money buys selection (shop X brand) value token relevant with closed loop, and any remaining purchase remaining sum causes selecting (credit card Y) relevant with open loop to be worth token to pay such remaining sum.Alternatively, user can call such rule, its regulation: the electronic value token relevant with open loop should not be used for meeting the remaining sum that the electronic value token relevant with closed loop bought, and on the contrary, the electronic value token relevant with debit card that is arranged in e wallet should be used for meeting this remaining sum.Therefore, user can for example, by means of using the high-level efficiency access of a checking token (, a proxy card or smart mobile phone) and applying for a plurality of value tokens.For example, user can for example, use all two e-credit from stored value card or sub-wallet, electronic gift card, electronic coupons completely within the time of only using an entity card (, prepaid card, debit card or credit card) cost.User, retailer, publisher, seller, businessman, advertiser and other each side benefit from the saved time, to a plurality of value source (a plurality of accounts' that for example, are associated with various value tokens) convenient access, promotional opportunities, transaction follow the tracks of and about data mining, sales promotion and advertising results, in real time/product point selection or the purchasing opportunities of customer purchasing behavior, etc.

In another embodiment, rule can for example, be set up by e Wallet System supplier (, main e wallet supplier or owner and/or secondary e wallet supplier or owner).When do not exist user to set up applicable rule time (if or according to user's e wallet, use the clause of agreement, the rule with system in the transaction of appointment is as the criterion), e Wallet System supplier can set up about e wallet rule for distribution.For example, when transaction relates to, is related to or be associated with e Wallet System supplier's branch offices and/or contract related entities, e Wallet System can be implemented such rule, and the electronic value token that first this rule predetermining electronic value token transactions computing machine 150 applies the e Wallet System supplier Own Brand of the e wallet that is arranged in user meets asked transaction.Therefore, this rule-like can allow e Wallet System supplier and branch offices and/or contract related entities thereof to maximize income or other operations objective and other cooperative effect based on the use of e Wallet System.

In another embodiment, the rule of e wallet can be designed to automatically instruct electronic value exchange of tokens activity (electronic value exchange of tokens will below described in more detail).For example, e wallet user can manage e wallet (as for example will described in more detail in conjunction with Fig. 6 A-6D) herein, for example, so that at retail shop (work as user, while retailer Q) locating to provide e wallet not contain the electronic value token of retailer Q brand to meet transaction and e wallet, e wallet will start electronic value exchange of tokens process automatically and in real time, and wherein e wallet is communicated to electronic value token transactions computing machine 150 by the request of electronic value exchange of tokens.Additionally or alternatively, can provide in real time sales promotion for example, to obtain the distinctive value token of the retailer real-time price quotations of the shop brand value token such as house account (, for) to user.In this example, e wallet user can manage e wallet, so that all electronic value tokens that are associated with payment in advance service (Gift Card electron-like is worth token) are arranged in the sub-wallet of appointment, and each in described electronic value token can be placed/be stipulated by priority ordering system/specifies in sub-wallet, for example, most preferred electronic value token or token type are (for example, #1) (for example arrive least preferred electronic value token or token type,, if there are 22 kinds of electronic value tokens in #22) in sub-wallet.For example, the electronic value token of retailer M brand can be designated as most preferred, and the electronic value token of retailer L brand can be designated as least preferred.In addition, in this example, also by the user who instructs e wallet under following situations for e wallet is provided with rule: wherein, e wallet has been provided to be conducive to the transaction at retailer place, wherein e wallet does not comprise any described retailer's electronic value token (e wallet is by the identification of the information based on exchanging between e wallet and retailer's communicator when initial transaction starts retailer), the situation of retailer Q mentioned above for example, e wallet rule instruct e wallet initiate electronic value exchange of tokens request and described request comprise be arranged in e wallet least preferred electronic value token (, the electronic value token (#22) of retailer L brand) and if desired preferred electronic value token #21, the exchange of #20 etc., the retailer Q electronic value token that is enough to meet initial transaction volume for the amount of money.After receiving the request of electronic value exchange of tokens, the electronic value exchange of tokens that electronic value token transactions computing machine 150 is communicated by letter and asked to realize with electronic value exchange of tokens program 2000 (it is a part for whole electronic value token transactions disposal system 100,1100 or 1200).The electronic value exchange of tokens of asking is performed, e wallet receives the electronic value token (happen to be in while carrying out initial transaction and used) of the retailer Q brand of asking, and e wallet is surrendered (surrender) to electronic value token transactions computing machine 150 and (or is made unavailable, and only for revising) the electronic value token of retailer L brand, it is worth the electronic value token that in fact exceeds asked retailer Q brand in this case.Therefore, the value (internal modification or the publishing system by the electronic value token with retailer L brand communicate to revise) that electronic value token transactions computing machine 150 is revised the electronic value token of retailer L brand according to the electronic value token of provided retailer Q brand reduces to reflect to be worth, extract the rate of conversion (as will be discussed more comprehensively) for the electronic value exchange of tokens of retailer Q brand being become to the electronic value token of retailer L brand herein, Transaction Information is communicated to all shareholders, and the retailer L brand's equity token of revising after being worth is returned to (or making again available) to user's e wallet.In alternative, the electronic value exchange of tokens rule of e wallet may suppose that e wallet exchanges about being arranged in the available rate of conversion inquiry of the best of the electronic value token electronic value token transactions computing machine 150 of e wallet and the sequence based on this optimal change rate rather than electronic value token.

Fig. 2 A illustrates according to the exemplary electronic of an embodiment and is worth token transactions disposal system 100.As shown in the figure, electronic value token transactions disposal system comprises: (a) at least one point of sale device 111; (b) stored value card disposal system, for example, electronic value token transactions computing machine 150; (c) data storage area 180, it comprises stored value card unit 199, stored value card unit 199 store electrons (are for example worth token, 804,827,828 and 829), for example account number, e-wallet account information, increment bonus requirements are (in this article, " increment is rewarded " and " increment bonus ", " prize of increment bonus ", " increment bonus " and " value variance " synonym), and be worth the relevant out of Memory of token with interpolation, redemption and managing electronic; (d) at least one independent publisher's authoring system 160; And (e) by electronic value token transactions computer administrator 151, be included in any other unit in system.In one embodiment, electronic value token transactions computing machine 150 comprises increment determining unit 153, point of sale (" POS ") interface 152, message modification unit 154, reconciliation unit 155, issuer system interface 156, granted unit 157 and taxon 198.In one embodiment, electronic value token transactions computing machine 150 (or its unit, for example taxon 189) also comprise exchange of tokens interface, it can be communicated by letter with electronic value exchange of tokens program 2000.Pos interface 152 provides via the Internet for example, public switch telephone network (" PSTN ") or device that independently dedicated network and point of sale device 111 communicate for electronic value token transactions computing machine 150.Equally, electronic value token transactions computing machine 150 can via the Internet for example, public switch telephone network (" PSTN ") or independently the authoring system 160 of dedicated network by issuer system interface 156Yu publisher communicate.Can be encrypted to increase security and/or can use Virtual Private Network (" VPN ") in the communication 106,107 between pos interface 152 and point of sale device 111 and the communication between the authoring system 160 of issuer system interface 156He publisher 109,110.Taxon 198 can become all kinds by traffic class so that by variety of way route.For example, stored value card and/or sub-wallet request can be identified and classify to taxon 198 (for example, after receiving the authorization message of transaction request, taxon 198 can be routed to asked transaction by the concrete stored value card of system maintenance and/or the one or more concrete sub-wallet that is associated with stored value card), inquiry into balance request, registration request, activation request, redemption request and management request to be to be routed to the unit of Fig. 2 A.Electronic value token transactions computing machine 150 or taxon 198 also can be based on request generating messages to carry out similar route.

In Fig. 2 A, can find out, at point of sale device 111, (be usually located at seller and/or redeem businessman or retailer place, but be alternatively arranged in self-aided terminal 189 places or user family or office, there, personal computer is configured to serve as point of sale, for example, during online transaction) to locate, checking token for example, carrys out decipher by point of sale interpretation unit 101 (, card reader).Point of sale interpretation unit 101 (for example can comprise people, barcode scanner, magnetic strip reader, optical character recognition device, biological identification device, numeric keypad, be used for inputting token identification number) or other device, this device is configured to inquiry, decipher, catches or the data of input coding in checking token or on checking token.

Approximately, with the decipher of checking token (or alternatively before or after) simultaneously, by point of sale (pos) transactions unit 104, send electronic-purse transaction request.Point of sale (pos) transactions unit 104 can comprise people, electronic input apparatus, register or terminal, computer processing unit (" CPU "), personal computer, personal digital assistant (for example, smart mobile phone) or the content of point of sale interpretation unit 101 and/or 105 deciphers of point of sale processing unit is sent request or other device of message.In certain embodiments, the action of being carried out by point of sale interpretation unit 101 and point of sale (pos) transactions unit 104 can be carried out by a unit, and this unit can be carried out original by two kinds of actions carrying out during network online transaction such as the independent unit of point of sale register/terminal or personal computer.

Point of sale interpretation unit 101 is communicated by letter with 104Yu point of sale, point of sale (pos) transactions unit processing unit 105.Point of sale processing unit 105 can comprise the treating apparatus of other type of CPU or industry approval.Point of sale interpretation unit 101 is communicated to point of sale processing unit 105 by authorization information 102.Point of sale (pos) transactions unit 104 is communicated to point of sale processing unit 105 by the request to electronic-purse transaction 103.Point of sale processing unit 105 this information capable of being combined for example, with communicate by letter with electronic value token transactions computing machine 150 (, sending the message of request electronic-purse transaction) together with the transaction being associated and/or verification msg.In one embodiment, 105 storages of point of sale processing unit and/or reception are from electronic value token transactions computing machine 150 (or SUB ADMINISTRATOR associated therewith or unit, sub-purse manager for example) transaction form, this form is associated with POS retailer and/or is associated with given type of transaction and/or value token, and such transaction form can be used to format transaction request or message, with the other information of prompting user, or for other Data Collection or in place, point of sale sending/receiving feature.For example, the user who buys at retailer place operates card reader.Card reader can be the display with input media and bar code reader or magnetic stripe scanner.Card reader can be touch-sensitive and can have the various buttons for inputting.After card reader prompting, user sees the option of " debit card ", " credit card " and " e wallet ".User selects " e wallet ".Then user sees the option of " purchase ", " interpolation token " and " deletion token ".User selects " purchase ".In additional prompting (it is relevant with the transaction form of particular retailer for point of sale in one embodiment), afterwards, user inputs PIN code.In certain embodiments, the action of being carried out by point of sale interpretation unit 101,104He point of sale, point of sale (pos) transactions unit processing unit 105 can be all by a unit (for example, integrated POS device such as computerize register) carry out, the everything of originally being carried out by independent unit can be carried out in this unit.

Point of sale processing unit 105 can for example, be connected to electronic value token transactions computing machine 150 via suitable network (, the Internet, public switch telephone network (PSTN) or independently dedicated network).Each point of sale processing unit 105 (for example has relevant identifier, terminal identifier or sequence number), it can send to electronic value token transactions computing machine 150 in the process that point of sale processing unit 105 is connected to electronic value token transactions computing machine 150.Each point of sale processing unit 105 can comprise a plurality of point of sale (pos) transactions unit corresponding to each terminal, and these terminals have its oneself terminal iidentification separately, for example, be present in given store location.

As shown in Figure 2 A, electronic value token transactions computing machine 150 is configured to: (a) with retailer/businessman and/or seller (for example, via the access of point of sale device 111, client the Internet or self-aided terminal 189), the authoring system 160 of publisher and any other entity 190 form safety and be connected, described entity 190 is by electronic value token transactions computer administrator 151 granted access electronic value token transactions computing machines 150; (b) communicate by letter with the authoring system 160 of publisher to ask and receive and be worth the redemption of token or to the interpolation in stored value card; (c) communicate by letter to redeem all or part of of the electronic value token that is associated with stored value card with the authoring system 160 of publisher; (d) generate and safeguard the transaction log 170 of performed all activities; (e) generate and safeguard the error log 175 of the unsuccessful all activities that complete and reason thereof; (f) to retailer/businessman and/or seller (for example,, via POS unit 111) communication be worth token redemption or to the interpolation in stored value card and be worth the redemption of token or any information that the interpolation in stored value card is accompanied; And all reasons that (g) transaction can not be completed are communicated to retailer/businessman and/or seller (for example,, via POS unit 111).

Electronic value token transactions computing machine 150 (for example can comprise single processing unit, concentrated server), a plurality of processing units (for example, the distributed computing system that wherein unit is dispersed and communicates with one another) or their combination, it has the storage capacity of following, and each storage capacity can or be designed for: visit data memory block 180; Create transaction log 170; Create and safeguard error log 175; For example at place, point of sale, communicate by letter with retailer/businessman and/or seller, comprise via the Internet for online transaction; Communicate by letter with the authoring system 160 of independent publisher; Process each and be worth token and stored value card request; Process the request of redemption; Process value-added functionality and redeem reward voucher to increase extra surrender value or to increase for the electronics of (a plurality of) specific product or service; The redemption request of reward voucher is redeemed in processing for the electronics for (a plurality of) specific product or service; And communicate by letter with other system 190 that can and be authorized to communicate by letter with electronic value token transactions computing machine 150.

The account's that data storage area 180 maintenances are associated with each stored value card record, this record indication: (a) whether each independent value token has been added or has redeemed, (b) whether checking token is registered; (c) record and the details of each independent redemption request, (d) remaining number on electronic value token, (e) redeem the required rule of electronic value token, (f) identify label of the publisher of electronic value token, (f) increment bonus prize, (g) redeem the rule of increment bonus prize, and (h) their any combination.Data storage area also can keep authorizing stored value card or be worth token increment bonus encourages required regular record.

Data storage area 180 also keeps the record being associated with each stored value card and/or sub-wallet, and this records indication: (a) time of registration activity and with it relevant out of Memory; (b) time of management activity and with it relevant out of Memory; (c) time of transaction and with it relevant out of Memory; (e) applicable rule; (f) identify label of the publisher of electronic value token wherein; (f) identify label of sub-wallet associated therewith; (h) any other record that publisher, businessman, seller, advertiser, user or other shareholders ask; And (i) their any combination.Although individual data memory block 180 is shown, should be appreciated that and can adopt a plurality of data storage areas, and related data is distributed in each data storage area in any suitable manner to meet various process described herein and object.In addition, various data can be associated with one or more data storage areas, described one or more data storage areas close-coupled to and/or location near one or more subelements of being associated with electronic value token transactions computing machine 150, sub-processor, third party's processor etc., and such data storage area preferably has the data of being used by such subelement, sub-processor and third party's processor.

Electronic value token transactions computing machine 150 is also configured to generate and safeguard the transaction log 170 of all activities that relate to electronic value token transactions computing machine 150.Transaction log can comprise the detailed general introduction of type of transaction, for example: the value token of (a) asking increases; (b) the value token of asking is sold; (c) the value token of asking is redeemed; (d) the value exchange of tokens of asking; (e) ascribe to and be worth the amount of money that token adds; (f) ascribe to and be worth the amount of money that token is redeemed; (g) ascribe the monetary value that is worth exchange of tokens to; (h) value added on products, product or service increase; (i) value added on products, product or service are redeemed; (j) time that electronic value token adds; (k) time that electronic value token is redeemed; (l) for adding, be worth transaction or the communication that token Er Yu publisher carries out; (m) transaction or the communication for redemption value token Er Yu publisher, carried out; (n) in response to interpolation, need to input PIN and for the request of the value token using, be communicated to seller's PIN; (o) e wallet registration (p) e wallet foundation activity; (q) e purse transaction is movable; (r) e wallet savings activity; (s) e wallet management activity; (t) any out of Memory that electronic value token transactions computer administrator 151 indication electronic value token transactions computing machines 150 keep as journal entry; And (u) their any combination.

The Information Availability comprising in transaction log 170 is in data mining object, for example, to generate account-checking report, final report, pay report, Audit Report, e wallet register report, the report of e wallet management, e wallet operation report, e wallet savings report, electronic value token is bought report, electronic value token is redeemed report, the report of electronic value exchange of tokens, electronic value token Sales Reports, or the information fusion of other form, so that electronic value token transactions keeper 151, data storage management person 181, seller, publisher, the authoring system 160 of publisher, redeeming businessman or other shareholders is benefited, by its use or for it, provide.For example, the information that transaction log 170 comprises each transaction about being carried out by electronic value token transactions computing machine 150 (and any subassembly) and can be by 155 uses of reconciliation unit when reconciliation account belongs to each seller, businessman, publisher and electronic value token transactions handles system management person.The extra data mining Consideration that can record, analyze and/or offer shareholder (for example, seller, businessman, publisher, advertiser etc.) comprises about following data: (i) e wallet user's buying habit; (ii) electronic value token is bought, sells, is redeemed and exchanges; (iii) special selling and/or increment activity; (iv) activity relevant with loyalty; And (v) with the relevant activity of savings, all these can be used for marketing, stock and other object.

The supervision of electronic value token transactions computing machine and maintenance are carried out by electronic value token transactions computer administrator 151.Although do not require, in alternative, electronic value token transactions computer administrator 151 also can serve as data storage management person 181.Electronic value token transactions computing machine 150 is configured to generate and safeguard the error log of uncompleted All Activity and reason thereof.In certain embodiments, error log is by electronic value token transactions computer administrator 151 management.

Electronic value token transactions computing machine 150 be also configured to authorized access electronic value token transactions disposal system and particularly other entities 190 of authorized access electronic value token transactions computing machine 150 communicate by letter.These other entities can comprise third party's payment administrative system, third party's auditing system, publisher's associated entity, seller's associated entity, redeem businessman or redeem businessman's associated entity, such as the financial institution of bank, credit card commission merchant or credit cooperative by electronic value token transactions computer administrator 151 or other entities of having the right to permit access any other entity of access is provided.

From the transaction request of the point of sale device 111 being associated with e wallet or other access point, can comprise one or more in following information: (a) authorization information, (b) point-of-sale terminal sign, (c) want the number of credit or debit, (d) time of request, (e) date of request, (f) sign of publisher, (g) seller's sign, (h) seller's place, (i) sign of (a plurality of) product of buying and/or (a plurality of) service, (j) activate or forbid request, (k) wallet management function, for example, be worth the interpolation of token, be worth the deletion of token, be worth the exchange of token, revise the management or the processing rule that are associated with one or more value tokens, wallet is separated into sub-wallet or sub-wallet is merged into wallet, etc., and their any combination (l).Yet the information being included in request is not limited to enumerated list, but can comprise except cited project or replace other project of above cited project.

Receive from the electronic-purse transaction request of point of sale and by taxon 198, carried out such identification and classification after, the stored value card unit of electronic value token transactions computing machine 150 visit data memory blocks 180.Electronic value token transactions computing machine 150 pack processing are contained in information in data storage area 180 and communicate by letter 109,110 to realize the management of electronic value token and corresponding account with the authoring system 160 of independent publisher.Message and request can be adjusted in message modification unit, so that a plurality of unit, subassembly/processor or third party keeper can identify and correctly decipher message.For example, after electronic value token transactions computing machine 150 is determined the authoring system 160 of the independent publisher being associated with request, message modification unit 154 accessing databases 180 to be to determine the suitable transaction message format of the authoring system 160 of the publisher that each is independent, then use independent publisher authoring system 160 appointments/form and the vocabulary format subsequent communications to the authoring system 160 of described independent publisher of preferably concluding the business.Electronic value token transactions computing machine 150 can occur or independent generation with the communicating by letter of authoring system 160 of independent publisher simultaneously.Electronic value token transactions computing machine 150 can for example, be connected to the authoring system of independent publisher via suitable network (, PSTN, the Internet or independently dedicated network).The communication 110 that electronic value token transactions computing machine 150 is configured to send and/or receives about the state of electronic value token from the authoring system 160 of publisher.

Reconciliation unit 155 carries out reconciliation to the account of each publisher, sale seller and/or redemption businessman, with the value credit with various transaction and suitable businessman, seller, the electronic value token transactions handles system management Yuan He publisher of debit, thereby reflect which entity from which other entity receives and is worth.For example, if seller A sells the value token of the designated amounts of being issued by the B of publisher and receives and pay from user's (it is added into electronic value token user's stored value card), sell seller receive buy the amount of money and/or predetermined dollar value number percent (for example, percent retention), electronic value token system keeper receives the number percent of the purchase amount of money and/or predetermined dollar value to process transaction, and publisher receives remaining sum.If the value token of being issued by the Y of publisher is redeemed with bought item at the X of businessman place, the amount of money of redeeming is so debiting to the Y of publisher and credit to the X of businessman, sometimes deducts transaction fee and/or the transaction of being collected by electronic value token transactions handles system management person or the service charge by publisher, collected.

When electronic value token transactions computing machine 150 is also authoring system, use authority unit 157, makes the 150 mandate stored value card requests of electronic value token transactions computing machine rather than sends the request to the authoring system 160 of publisher to authorize.Granted unit 157 can be carried out and the identical and/or different function of describing for authoring system 160, and vice versa.

Granted unit 157 will be verified the form of the e purse transaction request (for example, main wallet or sub-wallet) receiving from POS processor 105 (or other transaction initiation device/parts/processor).In other words, granted unit 157 will check that data field in request for example, to confirm described field and be received in data and data have correct format (, length, alphanumeric style).If request form is incorrect, granted unit 157 will be refused request, or may retrieve in certain embodiments correct form (for example,, from form database) and revise transaction request to meet correct format.Granted unit 157 is also carried out various checking inspections to request.The Transaction Information of granted unit 157 based on relevant with card to the analysis verification of some standards, for example: 1) determine the UPC code that for example, has product in the data storage area 180 (or other database, database of publisher) of electronic value token transactions disposal system 100; 2) determine amount of value payment to theme transaction request corresponding to client of the transaction of asking, for example, UPC information whether card is designated to $ 25.00 cards and corresponding transaction request comprises that client's $ 25.00 pays; 3) determine that UPC information is designated card on the card of the type that can be processed by the businessman asking; And 4) determine that the bank identification number (" BIN ") (that is, the first six digits of the identification number of card) of the card of identification card publisher is corresponding to the UPC information of identification card publisher.

Granted unit 157 also can be concluded the business in other standard checking based on such as transactions velocity (number of times/number of unit interval).For example, if Card processor is worried the performance that a plurality of invalid transaction are fraudulent activities, Card processor can require electronic value token transactions disposal system 100 to monitor the quantity of the invalid transaction of asking the transaction that exceeds the invalid trading volume of unit interval of preliminary election from terminal refusal so.Finally, granted unit 157 can be configured to refuse transaction request in the situation that the information being received by granted unit 157 cannot be understood.

If request has correct form and is verified as described above, electronic value token transactions computing machine 150 can be sent to the details of transaction rather than authorization requests the authoring system of publisher.In addition, in certain embodiments, publisher, authoring system are (for example, granted unit 157) and transaction computing machine be a part for identical entity, and in such embodiments, the authoring system 160 of publisher will do not there is not, or the authoring system 160 of publisher by other unit in electronic value token transactions computing machine 150 (for example, the computing system of owning together and operating, its can be (for example, the part for concentrated data center) concentrated and/or be distributed in the system owning together or control or network in) under common control.And, should be understood that, for example, although the unit being associated with electronic value token transactions computing machine 150 (, unit 152-157) for illustrating with conceptual object, be depicted as the unit in individual data disposal system, but one or more can the enforcement in independent computing machine, system or service in distributed data processing environment in unit 152-157.

Fig. 4 A has described by electronic value token transactions computing machine 150, to use to be conducive to the example process of using stored value card to buy according to main e purse transaction Processing Example.Such embodiment can process request illustration by e purse transaction, and this request receives and follow-up execution by electronic value token transactions disposal system 100 is initial.The action of describing can shown in order or carry out with different order, and two or more in action can executed in parallel.

In frame 302, electronic value token transactions computing machine 150 receives one or more requests from point-of-sale terminal.In at least one embodiment, request can comprise electronic-purse transaction request, inquiry into balance request, registration request, activation request, or redeem and ask, wallet management request, and comprise one or more in following: (a) identify label of terminal (identity), (b) authorization information, (c) amount of money of buying, (d) identify label of electronic value token publisher, (e) seller's identify label, (f) identify label in place, (g) time of request, (h) date of request, (i) information that request is clearly designated to the request of e purse transaction (for example, type of transaction data), (j) identify the information of main e wallet, (a plurality of) sub-wallet or their combination, (k) any other transaction as herein described and/or verification msg, and (l) their any combination.The request at frame 302 places can comprise type described herein for example, divided by outside the project enumerated or out of Memory, request or the function of the project of enumerating more than replacing.In at least one embodiment, authorization information is based on being selected from proxy card and cellular checking token.Utilize the identify label of electronic value token publisher, transaction can correctly be formatd to communicate by letter with electronic value token publisher.

Utilization is from point of sale device 111 and/or from deriving from the information in electronic-purse transaction that is included in of the information reception of data storage area 180, in frame 304, electronic value token transactions computing machine 150 determines whether request is to include to imitate the stored value card request of authorization information and ask whether for (a plurality of), be worth the redemption of token, (a plurality of) are worth interpolation, (a plurality of) value deletion of token or the management of stored value card of token.Stored value card request can comprise the bank identification number (" BIN ") on proxy card that is positioned at as an authorization information part.Taxon can or otherwise verify by the decoding of BIN number whether request is stored value card request.

Utilization is from point of sale device 111 and/or from deriving from the information in electronic-purse transaction that is included in of the information reception of data storage area 180, in frame 324, main e wallet, (a plurality of) sub-wallet and/or pointed/required described e wallet or the place of (a plurality of) sub-wallet, the e purse transaction request being received to realize are identified/determined to electronic value token transactions computing machine 150.If the authorization message receiving shows asked e purse transaction and relates to main e wallet, sub-wallet or their combination of being safeguarded by electronic value token transactions computing machine 150, so electronic value token transactions computing machine 150 can: (i) by its own Logic application to asking; (ii) apply storage in the rule (rule of for example, being set up by electronic value token transactions handles system management person, main e wallet user or their combination) in main wallet; (iii) apply storage in the rule (rule of for example, being set up by electronic value token transactions handles system management person, sub-wallet user or their combination) in sub-wallet; (iv) application by request from point of sale 111 rules that receive (rule of for example, simultaneously being submitted to request by the user of main e wallet/sub-wallet); Or their any combination (v).

For example, embodiment can comprise the electronic value token transactions computing machine 150 of determining that whole request is relevant with being included in value token in main e wallet.After receiving request, electronic value token transactions computing machine 150 will be inquired about its granted unit 157 (as described more comprehensively), its data storage area 180, e wallet unit 199 and any other necessary unit herein, for example, to determine whether main e wallet comprises the value token (, whether main e wallet comprises the value token that seller, businessman and/or the publisher relevant with transaction with asked are associated) that can meet theme request.This definite can being undertaken by the type of transaction of relatively electronic value token sign, user ID, request.Electronic value token transactions computing machine 150 by according to the rule of main e wallet and/or with the mode of the rule application of request receiving, and is carried out electronic value token available in the main e wallet corresponding to this request with postevaluation or refusal is carried out transaction and/or a plurality of transaction of asking.

Another embodiment can comprise the electronic value token transactions computing machine 150 of determining that whole request is relevant with being included in value token in sub-wallet.After receiving request, electronic value token transactions computing machine 150 will be inquired about its granted unit 157 (as described more comprehensively), its data storage area 180, e wallet unit 199 and any other necessary unit herein, for example, to determine whether sub-wallet comprises the value token (, whether sub-wallet comprises the value token that seller, businessman and/or the publisher relevant with transaction with asked are associated) that can meet theme request.This definite can being undertaken by the type of transaction of relatively electronic value token sign, user ID, request.Electronic value token transactions computing machine 150 by according to the rule of sub-wallet and/or with the mode of the rule application of request receiving, and is carried out electronic value token available in the sub-wallet corresponding to this request with postevaluation or refusal is carried out transaction and/or a plurality of transaction of asking.

In another example, an embodiment can comprise electronic value token transactions computing machine 150, its part of determining whole transaction request is relevant with the electronic value token that is arranged in main e wallet, and a part for transaction request is relevant with the electronic value token that is arranged in (a plurality of) sub-wallet.It is this that determine can be by evaluating the type of transaction that ask, electronic value token sign or for determining that any other method of transaction allocation carries out.Electronic value token transactions computing machine 150 by electronic value token available in the main e wallet of evaluating corresponding to this request by according to the rule of main e wallet (because these rules can affect be arranged in main e wallet by the method for payment adopting) mode of application, electronic value token transactions computing machine 150 by according to the rule of this type of sub-wallet and/or with the mode of the rule application of request receiving, and is carried out electronic value token available in any applicable sub-wallet of evaluating corresponding to this request or refusal is carried out transaction and/or a plurality of transaction of asking.

In one exemplary embodiment, at frame 324 places, electronic value token transactions computing machine 150 can be identified one or more value tokens in main e wallet and the one or more electronic value tokens in sub-wallet in response to the transaction request receiving, and these are worth when tokens are used together will be enough to pay whole asked e purse transactions.In addition, one of electronic value token who is arranged in main e wallet or sub-wallet can be the electronic representation of loyalty card, and is positioned at the electronic representation that another electronic value token that described loyalty card is worth the identical or different place of token can be retailer's Gift Card.In such example, electronic value token transactions computing machine 150 can be realized and use " loyalty card " token and " retailer's Gift Card " token simultaneously, no matter and the place of token in main e wallet and/or (a plurality of) sub-wallet how, the value of " retailer's Gift Card " token and " loyalty card " token is applied to user's benefit that exchange increases when allowing to compare difference, for example, the value of " retailer's Gift Card " token or be applied to " loyalty card " token for the point bonus of " retailer's Gift Card " token in 5% increase.

Being worth token can be associated with closed loop account or open loop account.The closed loop account conventionally fund in account is expired after being finished, for example Gift Card account.Open loop account is conventionally not expired.On the contrary, conventionally there is the lasting obligation of each entity credit and debit account, for example, such as the credit card account that has brand or the debit card account of Visa or Mastercard.Closed loop account is usually directly associated with retailer, and open loop account be usually associated with financial institution (for example, the Visa of Chase or Citi distribution).In at least one embodiment, electronic value token comprises closed loop account number and open loop account number.Closed loop account number with can debit or the closed loop account's that is associated with this closed loop account number of credit retailer be associated.Open loop account number with can debit or the open loop account's that is associated with this open loop account number of credit financial institution be associated.Electronic value token can have and is different from any other and is worth the expiration date of token or use date of regulation.And electronic value token can be identified concrete businessman, place and/or the product that can use electronic value token.

If request is to add for being worth token, in frame 306, stored value card is created (if not yet creating) and electronic value token is added to stored value card so.Form below comprises included in the communication of e purse transaction and by electronic value token transactions disposal system 100, is used to facilitate and realize key element, parameter and the information of e purse transaction.

Table 1A illustrates the required parameter of asking in order to create wallet at least one embodiment.Table 1B illustrates the response parameter of asking in order to create wallet at least one embodiment.

Table 1A

Required parameter

Table 1B

Response parameter

key element	data type	title
			accountid	character string	account's unique identifier
accounttype	character string	account's type.
			currency	character string	denomination type.
balance	the decimal system	available balance in account
			uniqueidentifier	character string (numerical value)	the unique identifier of identification transaction.
code	character string	the state of the transaction of asking.
			description	character string	the state description of the transaction of asking.

Electronic value token transactions computing machine 150 is preferably that stored value card and (a plurality of) are worth token allocate memory and by information segment being stored in the data structure on data storage area 180, account number and stored value card and/or the authorization information that is stored in stored value card unit 199 is associated.Table 2 illustrates the parameter that is worth at least one embodiment token for Gift Card.

Table 2

Table 3 is illustrated in alternative for the more detailed parameter of Gift Card electronic value token, comprises the title of relevant (a plurality of) wallet and/or (a plurality of) sub-wallet.

Table 3

Yet, request can be due to add irrelevant other of token decision-making former thereby be modified and be transmitted to as the part of reconciliation process one suitable in the authoring system 160 of publisher, for example, request may relate to redemption, deletes, the value of reloading, added value, inquiry into balance or their combination, wherein each by the authoring system 160 that is communicated to publisher to carry out reconciliation.

Table 4 illustrates for verifying the form of communication.

Table 4

Signature verification is used in each request, user user name/password or open id checking, session user token authentication.Client end can send client_ref_id, timestamp, nonce, encryption_type, channel, user_ip, signature, usertoken alternatively, and wherein each request can be verified each message.

Table 5 illustrates the parameter for the wallet of retrieval user.

Table 5

Key element	Data type	Explanation
			accountid	Character string	Account's unique identifier

key element	data type	explanation
			accounttype	character string	account's type.
currency	character string	denomination type.
			balance	the decimal system	available balance in account
code	character string	the state of the transaction of asking.
			description	character string	the state description of the transaction of asking.

Table 6A illustrates the required parameter for the token redemption value from wallet.

Table 6A

Required parameter

Table 6B illustrates the response parameter for the token redemption value from wallet.

Table 6B

Response parameter

key element	data type	suggestion length	explanation
				accountid	character string		100	account's unique identifier
accounttype	character string		50						account's type.
				currency	character string	3	denomination type.
balance	the decimal system	inapplicable	available balance in account

uniqueidentifier	character string	12	the unique identifier of transaction.
				code	character string	7	the state of the transaction of asking.
description	character string	500	the state description of the transaction of asking.

Table 7A illustrates for being written into the required parameter in wallet by being worth token.

Table 7A

Required parameter

Table 7B illustrates for being written into the response parameter in wallet by being worth token.

Table 7B

Response parameter

If request is to redeem for being worth token, so in frame 308, the rule that the stored value card that is associated with authorization information and inspection are associated with stored value card is determined in 150 access of electronic value token transactions computing machine before this.In at least one embodiment, check that rule comprises that inspection can be by the priority of user configured value token.For example, user may like using any closed loop corresponding to initiating the retailer of the request of buying to be worth token.If do not find that any closed loop is worth token or if token pays purchase not, user may be ready that with open loop, being worth token pays remainder so.Due to these preferences, closed loop is worth token may all be had than the higher priority of open loop value token.In open loop is worth token, a kind ofly may have precedence over another kind.For example, user likes paying any remainder with credit card rather than debit card.In at least one embodiment, user can should be used for configuring these rules and this priority is saved as to default preferences by the Internet or movement.In alternative, user locates to select electronic value token to be applied to stored value card request at POS device (for example,, in the seller such as cash register passage, client service center or self-aided terminal or retailer place).Therefore, select electronic value token to comprise the value token of selecting to have limit priority, these are worth when token is used together will enough pay the purchase amount of money.In example, can find out, a purchase-transaction has been split into two redemptions, and does not reduce the efficiency of purchase.Similarly, one or more electronic-purse transactions can be split into two or more transaction, and do not lower efficiency.In one embodiment, at least one electronic value token and closed loop advance account are (for example, electronics prepayment, gift or stored value card) be associated, and the rule being associated with main wallet causes that the son of being processed by the third party keeper that is associated with sub-wallet concludes the business.

In at least one embodiment, check that rule comprises the number percent of the stored value card request that checks that different value tokens should be applied to, and wherein applying electronic is worth token and comprises according to number percent electronic value token is applied to stored value card request.In frame 310, electronic value token transactions computing machine 150 is the value token in rule-based selection stored value card then, and these are worth when tokens are used together will meet stored value card request.For example, user can configuration rule make each buy fractionation equably between two credits card.Therefore, select electronic value token to comprise and be chosen in two open loop tokens that split the purchase amount of money between them.Be similar to above-mentioned example, efficiency is kept, for example, because use single checking token (, only proxy card or mobile device) in point of sale, rather than corresponding to two credits card of electronic value token.Can implement Else Rule, and these rules can be each other with various arrangements be used in combination.Electronic value token transactions disposal system also can be based on sending in stored value card request information implement " if-so " rule.For example, the purchase in refuelling station can cause gasoline credit card to be worth token selection, etc.In such embodiments, electronic value token computing machine 150 (for example can be inquired about main e wallet 10 and/or sub-wallet 807, for credit-card type electronic value token), 808 (for example, for debit card electron-like, be worth token) and 809 (for example, for stored value card electron-like, be worth token) rule 802, 817, 818 and 819 and for example, based on comprising that type of transaction (, purchase in refuelling station) transaction request information is defined as main e wallet 10 and/or sub-wallet 807, first the 808 and 809 rule request type of transaction requests of setting up (for example use the first electronic value token type, the electronic value token 829 relevant with gasoline card) meet, and at main e wallet 10 and/or sub-wallet 807, 808 and 809 do not comprise first being worth in the situation of token type of enough numbers that meets whole transaction request, electronic value token computing machine 150 can be by the second electronic value token type (for example, the electronic value token 828 relevant with debit card) meet the remainder of transaction request.

Electronic value token transactions computing machine 150 is also applied to stored value card request by electronic value token.When electronic value token is applied to ask, electronic value token transactions computing machine 150 can generate and send debit and credit's message to use suitable account number to carry out on the account by retailer and financial institution's management, or when electronic value token transactions computing machine has such administration authority, electronic value token transactions computing machine 150 is credit or debit account directly.

In at least one embodiment, electronic value token transactions computing machine 150 (is for example revised request, apply required form) and the request of modification is transmitted to the authoring system 160 of one of them suitable publisher, this system receives the request of revising and operates on it, for example, authorize and/or process and ask to redeem electronic value token and correspondingly upgrade data storage area.In at least one embodiment, authoring system 160 is not or not the place identical with stored value card request receiving place.For example, if the reception of stored value card request Shi Cong retail shop, authoring system may be had and be operated by retailer so, but may Bu retail shop place.On the contrary, authoring system may be positioned at for example data center.Therefore, retail shop and retailer do not need to know some or all contents in wallet conventionally.In at least one embodiment, retail shop does not even know and has stored value card, because it only know some Trading Authorization action be communicated to its point of sale (for example, the swiping the card of proxy card, personal digital assistant and point of sale device alternately, on the keypad of point of sale, input PIN or other authorization activities).In other words, comparing traditional physical payment (physical tender), is seamless in point of sale access and use e wallet, and without any need for action special or customization, to process transaction.The authoring system 160 of publisher sends the response message back to electronic value token transactions computing machine 150.In the alternative of the function of the authoring system 160 of electronic value token transactions computing machine 150 execution publishers, the method can directly proceed to frame 314 from frame 306 or 310 therein.

In frame 312, electronic value token transactions computing machine 150 is from the authoring system 160 confirmation of receipt message of one of them suitable publisher.At frame 314 places, the stored value card that electronic value token transactions computing machine 150 upgrades in 199He data storage area, stored value card unit 180 is activated with reflection stored value card, and any debit, credit, interpolation or the deletion of reflection (a plurality of) electronic value token.Fig. 6 A-6D illustrates a series of user interface pictures and prompting at least one embodiment.For example, user can see illustrated prompting when being connected to the computing machine of the Internet and/or the stored value card of self-aided terminal 189 leading subscribers.

In frame 316, transaction log 170 can upgrade to record the details about transaction by electronic value token transactions computing machine 150.The details being recorded in transaction log can comprise: (a) type of transaction, time and date, (b) whether stored value card is activated, (c) reason that stored value card is not activated when request is rejected, (d) credit of (a plurality of) electronic value token, debit, add or delete, (e) the regular variation being associated with (a plurality of) electronic value token, (f) seller's identify label, (g) identify label of publisher, (h) seller's place, (i) add the identify label of the terminal of electronic value token, (j) authorize the identify label of the entity of electronic value token, and (k) their any combination.Transaction log can comprise the project except enumerating above or replace their out of Memory (for example, transaction and/or verification msg).

In framework 318, then electronic value token transactions computing machine 150 is forwarded to acknowledge message point of sale device 111.Before acknowledge message is forwarded to point of sale device 111, electronic value token transactions computing machine 150 can for example be revised acknowledge message as required, take comprise can be printed on on client's receipt and/or as operation point of sale device 111 salesman be presented on the information on display.At frame 320 places, electronic value token transactions computing machine 150 carries out reconciliation to the account of each seller, businessman, publisher, electronic value token transactions handles system management person and other entities relevant with distribution, sale, redemption and the marketing of electronic value token, with debit and the suitable account of credit, and cause in certain embodiments the transfer of financial resources between the suitable bank account that belongs to each entity.Alternatively, (for example, once a day, once in a week, monthly once, etc.) can be regularly carried out in account's reconciliation, rather than after transaction.In such embodiments, from the Information Availability of transaction log 170 to the sale of various value tokens or redeem each related entity and carry out reconciliation, thereby need to cause less transfer of financial resources.In one embodiment, the information in transaction log 170 is used for match trading etc.For example, by the All Activity grouping from given place or given businessman, or for example, to type of transaction grouping (, credit, debit etc.).In various embodiments, the describing order and can change of event, thus can be by the order of any expectation, sequentially or side by side carry out.

Fig. 2 B illustrates the exemplary electronic value token transactions disposal system 1100 according to an embodiment, wherein, stored value card disposal system comprises electronic value token transactions computing machine 150, it serves as the sub-purse transaction processor of electronics, and such as integrated by the main electronic-purse transaction processor shown in E-wallet polymerizer system 1000.E-wallet polymerizer system 1000 can be further appreciated as having the function identical with electronic value token transactions computing machine 150 described herein, ability, database access, networking connection and functional unit, and in certain embodiments, electronic value token transactions computing machine 150 and associated components thereof (for example, electronic value token transactions disposal system 100) can serve as or replace E-wallet polymerizer system 1000.In one embodiment, E-wallet polymerizer system 1000 can be controlled by one or more public entities, safeguard, operates, has and/or otherwise management, this entity control, safeguard, operate, have and/or otherwise managing electronic be worth token transactions computing machine 150, that is, public controller, guardian, operator, the owner and/or the supvr of the sub-purse transaction processors sharing of main electronic-purse transaction processor and electronics.In one embodiment, E-wallet polymerizer system 1000 can be controlled by one or more entities, safeguard, operates, has and/or otherwise management, this entity and control, maintenance, operate, have and/or otherwise managing electronic be worth one of token transactions computing machine 150 and/or a plurality of entity independent, different and/or irrelevant, that is, the sub-purse transaction processor of main electronic-purse transaction processor and electronics is not shared public controller, guardian, operator, the owner and/or supvr.As shown in the figure, when working with the sub-purse transaction processing of electronics capacity, electronic value token transactions disposal system 1100 comprises: (a) electronic value token transactions computing machine 150; (b) E-wallet polymerizer system interface 1052; (c) data storage area 180, it comprises stored value card unit 199, stored value card unit 199 store electrons (are for example worth token, 804,827,828 and 829), for example account number, e-wallet account information, increment bonus requirements are (in this article, " increment reward " and " increment bonus ", " prize of increment bonus ", " increment bonus " and " value variance " synonym), and the out of Memory relevant with managing electronic value token with interpolation, redemption of describing in detail herein; (d) at least one independent publisher's authoring system 160; And (e) by electronic value token transactions computer administrator 151, be included in any other unit in system.In one embodiment, electronic value token transactions computing machine 150 comprises increment determining unit 153, E-wallet polymerizer system interface 1052, message modification unit 154, reconciliation unit 155, issuer system interface 156, granted unit 157 and taxon 198.E-wallet polymerizer system interface 1052 provides via for example the Internet, public switch telephone network (" PSTN ") or means that independently dedicated network is communicated by letter with E-wallet polymerizer system 1000 for electronic value token transactions computing machine 150.Equally, electronic value token transactions computing machine 150 can via the Internet for example, public switch telephone network (" PSTN ") or independently the authoring system 160 of dedicated network by issuer system interface 156Yu publisher communicate.Communication 116,117 between E-wallet polymerizer system interface 1052 and E-wallet polymerizer system 1000 and the communication between the authoring system 160 of issuer system interface 156He publisher 109,110 can be encrypted to increase security and/or can use Virtual Private Network (" VPN ").Taxon 198 can become all kinds by traffic class so that by variety of way route.For example, sub-wallet request can be identified and classify to taxon 198 (for example, after receiving the authorization message of transaction request, taxon 198 can be routed to asked transaction by the sub-wallet of concrete electronics of system maintenance and/or remain on the one or more concrete part in the sub-wallet of this electronics), inquiry into balance request, registration request, activation request, redemption request and management request to be to be routed to the unit of Fig. 2 B.Electronic value token transactions computing machine 150 or taxon 198 also can be based on request generating messages to carry out similar route.

In Fig. 2 B, can find out, at point of sale device 111, (be usually located at seller and/or redeem businessman or retailer place, but be alternatively arranged in self-aided terminal 189 places or user family or office, there, personal computer is configured to serve as point of sale, for example, during online transaction) to locate, checking token for example, carrys out decipher by point of sale interpretation unit 101 (, card reader).Point of sale interpretation unit 101 (for example can comprise people, barcode scanner, magnetic strip reader, optical character recognition device, biological identification device, numeric keypad, be used for inputting token identification number) or other device, this device is configured to inquiry, decipher, catch or input coding in checking token or on data.

Approximately, with the decipher of checking token (or alternatively before or after) simultaneously, by point of sale (pos) transactions unit 104, send electronic-purse transaction request.Point of sale (pos) transactions unit 104 can comprise people, electronic input apparatus, register or terminal, computer processing unit (" CPU "), personal computer, personal digital assistant, smart mobile phone or the content of point of sale interpretation unit 101 and/or 105 deciphers of point of sale processing unit is sent request or other device of message.In certain embodiments, the action of being carried out by point of sale interpretation unit 101 and point of sale (pos) transactions unit 104 can be carried out by a unit, and this unit can be carried out original by two kinds of actions carrying out during network online transaction such as the independent unit of point of sale register/terminal or personal computer.

Point of sale interpretation unit 101 is communicated by letter with 104Yu point of sale, point of sale (pos) transactions unit processing unit 105.Point of sale processing unit 105 can comprise that CPU or industry recognize the treating apparatus of spendable other type.Point of sale interpretation unit 101 is communicated to point of sale processing unit 105 by authorization information 102.Point of sale (pos) transactions unit 104 is communicated to point of sale processing unit 105 by the request to electronic-purse transaction 103.Point of sale processing unit 105 this information capable of being combined for example, with communicate by letter with E-wallet polymerizer system 1000 (, sending the message of request electronic-purse transaction) together with the transaction being associated and/or verification msg.In one embodiment, 105 storages of point of sale processing unit and/or reception are from E-wallet polymerizer system 1000 (or SUB ADMINISTRATOR associated therewith or unit, sub-purse manager for example, electronic value token transactions computing machine 150 for example) transaction form, this form is associated with POS retailer and/or is associated with given type of transaction and/or value token, and such transaction form can be used to format transaction request or message, with the other information of prompting user, or for other Data Collection or in place, point of sale sending/receiving feature.For example, the user who buys at retailer place operates card reader.Card reader can be the display with input media and bar code reader or magnetic stripe scanner.Card reader can be touch-sensitive and can have the various buttons for inputting.After card reader prompting, user sees the option of " debit card ", " credit card " and " e wallet ".User selects " e wallet ".Then user sees the option of " purchase ", " interpolation token " and " deletion token ".User selects " purchase ".In additional prompting (it relates to the transaction form for the particular retailer of point of sale in one embodiment), afterwards, user inputs PIN code.In certain embodiments, the action of being carried out by point of sale interpretation unit 101,104He point of sale, point of sale (pos) transactions unit processing unit 105 can be all by a unit (for example, integrated POS device such as computerize register) carry out, the everything of originally being carried out by independent unit can be carried out in this unit.

Point of sale processing unit 105 can for example, be connected to E-wallet polymerizer system 1000 via suitable network (, the Internet, public switch telephone network (PSTN) or independently dedicated network).Each point of sale processing unit 105 has relevant identifier (for example, terminal identifier or sequence number), and it can send to E-wallet polymerizer system 1000 in the process that point of sale processing unit 105 is connected to E-wallet polymerizer system 1000.Each point of sale processing unit 105 can comprise a plurality of point of sale (pos) transactions unit corresponding to each terminal, and these terminals have its oneself terminal iidentification separately, for example, be present in given store location.

As shown in Figure 2 B, E-wallet polymerizer system 1000 is configured to: (a) form safety with the authoring system 160 of retailer/businessman and/or seller's (for example,, via point of sale device 111), electronic value token transactions computing machine 150He publisher and connect; (b) communicate by letter with the authoring system 160 of publisher to ask and receive and be worth the redemption of token or to the interpolation in stored value card; (c) communicate by letter to redeem all or part of of the electronic value token that is associated with stored value card with the authoring system 160 of publisher; (d) communicate by letter with electronic value token transactions computing machine 150 to facilitate about being arranged in the transaction of the value token of the sub-wallet of electronics of being safeguarded by electronic value token transactions disposal system 1100; (e) communicate by letter with retailer/businessman and/or seller (for example,, via POS unit 111) be worth token redemption or to the interpolation in stored value card and be worth the redemption of token or any information that the interpolation in stored value card and/or sub-wallet is accompanied; And all reasons that (f) transaction can not be completed are communicated to retailer/businessman and/or seller (for example,, via POS unit 111).

Electronic value token transactions computing machine 150 (for example can comprise single processing unit, concentrated server), a plurality of processing units (for example, the distributed computing system with the various unit that are dispersed and communicate with one another) or their combination, it has the storage capacity of following, and each storage capacity can or be designed for: visit data memory block 180; Create transaction log 170; Create and safeguard error log 175; Communicate by letter with E-wallet polymerizer system 1000; Communicate by letter with the authoring system 160 of independent publisher; Process each and be worth token and stored value card request; Process the request of redemption; Process value-added functionality and redeem reward voucher to increase extra surrender value or to increase for the electronics of (a plurality of) specific product or service; The redemption request of reward voucher is redeemed in processing for the electronics for (a plurality of) specific product or service; And communicate by letter with other system 190 that can and be authorized to communicate by letter with electronic value token transactions computing machine 150.

The account's that data storage area 180 maintenances are associated with the sub-wallet of each electronics record, this record indication: (a) whether each independent value token has been added or has redeemed, and whether the checking token that (b) is worth token for each is registered; (c) record and the details of each independent redemption request, (d) remaining number on electronic value token, (e) redeem the required rule of electronic value token, (f) identify label of the publisher of electronic value token, (g) increment bonus prize, (h) redeem the rule of increment bonus prize, and (i) their any combination.Data storage area also can keep authorizing stored value card or be worth token increment bonus encourages required regular record.

Data storage area 180 also keeps the record being associated with each stored value card and/or sub-wallet, and this records indication: (a) time of registration activity and with it relevant out of Memory; (b) time of management activity and with it relevant out of Memory; (c) time of transaction and with it relevant out of Memory; (d) applicable rule; (e) identify label of the publisher of electronic value token wherein; (f) identify label of sub-wallet associated therewith; (g) any other record that publisher, businessman, seller, advertiser, user or other shareholders ask; And (h) their any combination.Although individual data memory block 180 is shown, should be appreciated that and can adopt a plurality of data storage areas, and related data is distributed in each data storage area in any suitable manner to meet various process described herein and object.In addition, various data can be associated with one or more data storage areas, described one or more data storage areas close-coupled to and/or location near one or more subelements of being associated with electronic value token transactions computing machine 150, sub-processor, third party's processor etc., and such data storage area preferably has the data of being used by such subelement, sub-processor and third party's processor.

The Information Availability comprising in transaction log 170 is in data mining object, for example, to generate account-checking report, final report, pay report, Audit Report, e wallet register report, the report of e wallet management, e wallet operation report, e wallet savings report, electronic value token is bought report, electronic value token is redeemed report, the report of electronic value exchange of tokens, electronic value token Sales Reports, or the information fusion of other form, so that electronic value token transactions keeper 151, data storage management person 181, E-wallet polymerizer system 1000 (for example, be used for being communicated to seller or other object), seller, publisher, the authoring system 160 of publisher, redeeming businessman or other shareholders is benefited, by its use or for it, provide.For example, the information that transaction log 170 comprises each transaction about being carried out by electronic value token transactions computing machine 150 (and any subassembly) and can be by 155 uses of reconciliation unit when reconciliation account belongs to each E-wallet polymerizer system 1000 being associated with seller, businessman, publisher and the seller, businessman and the publisher that are not associated with E-wallet polymerizer system 1000 and also have electronic value token transactions handles system management person 151.The extra data mining Consideration that can record, analyze and/or offer shareholder (for example, seller, businessman, publisher, advertiser etc.) comprises about following data: (i) e wallet user's buying habit; (ii) electronic value token is bought, sells, is redeemed and exchanges; (iii) special selling and/or increment activity; (iv) activity relevant with integration; And (v) with the relevant activity of savings, all these can be used for marketing, stock and other object.

Electronic value token transactions computing machine 150 be also configured to authorized access electronic value token transactions disposal system and particularly other entities 190 of authorized access electronic value token transactions computing machine 150 communicate by letter.These other entities can comprise E-wallet polymerizer system 1000, third party's payment administrative system, third party's auditing system, publisher's associated entity, seller's associated entity, redeem businessman or redeem businessman's associated entity, such as the financial institution of bank, credit card commission merchant or credit cooperative by electronic value token transactions computer administrator 151 or other entities of having the right to permit access any other entity of access is provided.

In one embodiment, from the transaction request of E-wallet polymerizer system 1000, can comprise one or more in following information: (a) authorization information, (b) point-of-sale terminal sign, (c) want the number of credit or debit, (d) time of request, (e) date of request, (f) sign of publisher, (g) seller's sign, (h) seller's place, (i) sign of (a plurality of) product of buying and/or (a plurality of) service, (j) activate or forbid request, (k) wallet management function, for example, be worth the interpolation of token, be worth the deletion of token, be worth the exchange of token, revise the management or the processing rule that are associated with one or more value tokens, wallet is separated into sub-wallet or sub-wallet is merged into wallet, etc., and their any combination (l).Yet the information being included in request is not limited to enumerated list, but can comprise except cited project or replace other project of above cited project.

Receive from the electronic-purse transaction request of E-wallet polymerizer system 1000 and by taxon 198, carried out such identification and classification after, the stored value card unit of electronic value token transactions computing machine 150 visit data memory blocks 180.Electronic value token transactions computing machine 150 pack processing are contained in information in data storage area 180 and communicate by letter 109,110 to realize the management of electronic value token and corresponding account with the authoring system 160 of independent publisher.Message and request can be adjusted in message modification unit, so that a plurality of unit, subassembly/processor or third party keeper can identify and correctly decipher message.For example, after electronic value token transactions computing machine 150 is determined the authoring system 160 of the independent publisher being associated with request, message modification unit 154 accessing databases 180 to be to determine the suitable transaction message format of the authoring system 160 of the publisher that each is independent, then use independent publisher authoring system 160 appointments/form and the vocabulary format subsequent communications to the authoring system 160 of described independent publisher of preferably concluding the business.Electronic value token transactions computing machine 150 also can by suitable message transmission format information for example template offer E-wallet polymerizer system 1000, to facilitate the processing of this system pair information relevant with request.Electronic value token transactions computing machine 150 can occur or independent generation with the communicating by letter of authoring system 160 of independent publisher simultaneously.Electronic value token transactions computing machine 150 can for example, be connected to the authoring system of independent publisher via suitable network (, PSTN, the Internet or independently dedicated network).The communication 110 that electronic value token transactions computing machine 150 is configured to send and/or receives about the state of electronic value token from the authoring system 160 of publisher.

Reconciliation unit 155 carries out reconciliation to the account of each publisher, sale seller and/or redemption businessman, with the value credit with various transaction and suitable businessman, seller, the electronic value token transactions handles system management Yuan He publisher of debit, thereby reflect which entity from which other entity receives and is worth.For example, if seller A sells the value token of the designated amounts of being issued by the B of publisher and receives and pay from user's (it is added into electronic value token user's stored value card), sell seller receive buy the amount of money and/or predetermined dollar value number percent (for example, percent retention), E-wallet polymerizer system 1000 and/or electronic value token system keeper receive the number percent of the purchase amount of money and/or predetermined dollar value to process transaction, and publisher receives remaining sum.If the value token of being issued by the Y of publisher is redeemed with bought item at the X of businessman place, the amount of redeeming is so debiting to the Y of publisher and credit to the X of businessman, sometimes deducts transaction fee and/or the transaction of being collected by electronic value token transactions handles system management person or the service charge by publisher, collected.

When electronic value token transactions computing machine 150 is also authoring system, use authority unit 157, makes the 150 mandate sub-wallet requests of electronics of electronic value token transactions computing machine rather than sends the request to the authoring system 160 of publisher to authorize.Granted unit 157 can be carried out and the identical and/or different function of describing for authoring system 160, and vice versa.

The form of the transaction request of granted unit 157 receives checking wallet (for example, main wallet or sub-wallet) from E-wallet polymerizer system 1000.In other words, granted unit 157 will check that data field in request for example, to confirm described field and be received in data and data have correct format (, length, alphanumeric style).If request form is incorrect, granted unit 157 will be refused request, or may retrieve in certain embodiments correct form (for example,, from form database) and revise transaction request to meet correct format.Granted unit 157 is also carried out various checking inspections to transaction request.The Transaction Information of granted unit 157 based on relevant with card to the analysis verification of some standards, for example: 1) determine the UPC code that for example, has product in the data storage area 180 (or other data storage area, database of publisher) of electronic value token transactions disposal system 1100; 2) determine magnitude of value payment to theme transaction request corresponding to client of the transaction of asking, for example, UPC information whether card is designated to $ 25.00 cards and corresponding transaction request comprises that client's $ 25.00 pays; 3) determine that UPC information is designated card on the card of the type that can be processed by the businessman asking; And 4) determine that the bank identification number (" BIN ") (that is, the first six digits of the identification number of card) of the card of identification card publisher is corresponding to the UPC information of identification card publisher.

Granted unit 157 also can be concluded the business in other standard checking based on such as transactions velocity (number of times/number of unit interval).For example, if Card processor is worried the performance that a plurality of invalid transaction are fraudulent activities, Card processor can require electronic value token transactions disposal system 1100 to monitor the number of times of the invalid transaction of asking the transaction that exceeds the invalid dealing money of unit interval of preliminary election from terminal refusal so.Finally, granted unit 157 can be configured to refuse transaction request in the situation that the information being received by granted unit 157 cannot be understood.

If request has correct form and is verified as described above, electronic value token transactions computing machine 150 can be sent to the details of transaction rather than authorization requests the authoring system of publisher.In addition, in certain embodiments, publisher, authoring system are (for example, granted unit 157) and transaction computing machine be a part for identical entity, and in such embodiments, the authoring system 160 of publisher will do not there is not, or the authoring system 160 of publisher by other unit in electronic value token transactions computing machine 150 (for example, the computing system of owning together and operating, its can be (for example, the part for concentrated data center) concentrated and/or be distributed in the system owning together or control or network in) under common control.And, should be understood that, for example, although the unit being associated with electronic value token transactions computing machine 150 (, unit 152-157) for illustrating with conceptual object, be depicted as the unit in individual data disposal system, but one or more can the enforcement on independent computing machine, system or server in distributed data processing environment in unit 152-157.

Fig. 4 B has described by electronic value token transactions computing machine 150, to use to be conducive to the example process of using stored value card to buy according to e purse transaction embodiment, this e purse transaction comprises the sub-wallet of electronics that is worth token transactions computer maintenance by electronic third-party, and this electronic third-party is worth token transactions computing machine wallet is safeguarded as the part that is related to of the main e Wallet System supplier with such as E-wallet polymerizer system 1000.Such embodiment can process request illustration by e purse transaction, and this request receives and partly by electronic value token computing machine 150, carried out by E-wallet polymerizer system 1000 is initial.The action of describing can shown in order or carry out with different order, and two or more in action can executed in parallel.

In frame 301, E-wallet polymerizer system 1000 is the one or more requests of 111 reception from point of sale.In at least one embodiment, request can comprise electronic-purse transaction request, inquiry into balance request, registration request, activation request or redeem request, wallet management request, and comprise one or more in following: (a) identify label of terminal, (b) authorization information, (c) number of buying, (d) identify label of electronic value token publisher, (e) seller's identify label, (f) identify label in place, (g) time of request, (h) date of request, (i) information (for example, type of transaction data) of e purse transaction request will be asked to be clearly designated; (j) identify the information of main e wallet, (a plurality of) sub-wallet or their combination; (k) any other transaction as herein described and/or verification msg; And (l) their any combination.The request at frame 301 places can comprise type described herein for example, divided by outside the project enumerated or out of Memory, request or the function of the project of enumerating more than replacing.In at least one embodiment, authorization information is based on being selected from proxy card and cellular checking token.

Continue the process of frame 301, E-wallet polymerizer system 1000 can determine that a part for asked e purse transaction can be by 1000 processing of E-wallet polymerizer system, and another part of the e purse transaction of asking relates to the sub-wallet of for example, being safeguarded by third party keeper (, electronic value token transactions computing machine 150).If the electronic-purse transaction solicited message being received by E-wallet polymerizer system 1000 show transaction request by needs/relate to by the sub-wallet of third party keeper's system maintenance fully to realize the response to transaction request, and the rule of the relevant main e wallet that is applicable to be safeguarded by E-wallet polymerizer system 1000 is so stipulated, E-wallet polymerizer system 1000 is processed initial request so, generate new request, generate son request or revise initial request to be sent to the sub-wallet of safeguarding explicitly with main stored value card, for example, main stored value card is by initial request, new request, son request or amended initial request are sent to electronic value token transactions computing machine 150, electronic value token transactions computing machine 150 is safeguarded indicated sub-wallet.Processing initial request, generating and newly ask, generate son request or revise initial request to be sent in the process of sub-wallet, E-wallet polymerizer system 1000 can: (i) by its oneself Logic application to the request of e purse transaction; (ii) apply storage in the rule (rule of for example, being formulated by main e wallet supplier, main e wallet user or their combination) in main wallet; (iii) application by transaction request from point of sale 111 rules that receive (rule of for example, simultaneously being submitted to request by the user of main stored value card and/or the sub-wallet of electronics); Or their any combination (iv).

In frame 303, electronic value token transactions computing machine 150 receives one or more requests from E-wallet polymerizer system 1000.In at least one embodiment, request can comprise the sub-wallet request of electronics, inquiry into balance request, registration request, activation request or redeem request, sub-wallet management request, and comprise one or more in following: (a) identify label of terminal, (b) authorization information, (c) number of buying, (d) identify label of electronic value token publisher, (e) seller's identify label, (f) identify label in place, (g) time of request, (h) date of request, (i) information (for example, type of transaction data) of e purse transaction request will be asked to be clearly designated; (j) identify the information of main e wallet, (a plurality of) sub-wallet or their combination; (k) any other transaction as herein described and/or verification msg; And (l) their any combination.The request at frame 303 places can comprise type described herein for example, divided by outside the project enumerated or out of Memory, request or the function of the project of enumerating more than replacing.In at least one embodiment, authorization information is based on being selected from proxy card and cellular checking token.Utilize proxy card and/or cellular identify label, the transaction of embedding can be worth token publisher with the associated electrical with theme transaction request by correct format and communicate by letter.

Utilization is from the E-wallet polymerizer system 1000 relevant to transaction request with from deriving from the information of the information reception of data storage area 180, in frame 304, electronic value token transactions computing machine 150 determines whether request is to include to imitate the sub-wallet request of electronics of authorization information and ask whether for (a plurality of), be worth the redemption of token, (a plurality of) are worth interpolation, (a plurality of) value deletion of token or other management of the sub-wallet of electronics of token.The sub-wallet request of electronics can comprise the bank identification number (" BIN ") as an authorization information part.Taxon can or otherwise confirm that to the decoding of BIN number request is about being arranged in the sub-wallet request of electronics of the electronic value token of indicated sub-wallet.

Utilization is from E-wallet polymerizer system 1000 and/or from deriving from the information in electronic-purse transaction that is included in of the information reception of data storage area 180, in frame 324, the place of electronic value token transactions computing machine 150 identification/determine (a plurality of) sub-wallet and/or pointed/required described (a plurality of) sub-wallet, the e purse transaction request being received to realize.If the authorization message receiving shows asked e purse transaction and relates to the sub-wallet of being safeguarded by electronic value token transactions computing machine 150, so electronic value token transactions computing machine 150 can: (i) by its own Logic application to asking; (ii) apply storage in the rule (rule of for example, being set up by electronic value token transactions handles system management person, sub-wallet user or their combination) in sub-wallet; (iii) apply storage in the rule (rule of for example, being set up by electronic value token transactions handles system management person, son-sub-wallet user or their combination) in son-sub-wallet; (iv) application with request from point of sale 111 rules that receive (rule of for example, simultaneously being submitted to request by the user of main e wallet/sub-wallet); Or their any combination (v).

For example, embodiment can comprise the electronic value token transactions computing machine 150 of determining that the whole request that receives from E-wallet polymerizer system 1000 is relevant with being included in value token single sub-wallet.After receiving request, electronic value token transactions computing machine 150 will be inquired about its granted unit 157 (as described more comprehensively), its data storage area 180, e wallet unit 199 and any other necessary unit herein, for example, to determine whether sub-wallet comprises the value token (, whether sub-wallet comprises the value token that seller, businessman and/or the publisher relevant with transaction with asked are associated) that can meet theme request.This definite can being undertaken by the type of transaction of relatively electronic value token sign, user ID, request.Electronic value token transactions computing machine 150 by according to the rule of sub-wallet and/or with the mode of the rule application of request receiving, and is carried out electronic value token available in the sub-wallet corresponding to this request with postevaluation or refusal is carried out transaction and/or a plurality of transaction of asking.

Another embodiment can comprise the electronic value token transactions computing machine 150 of determining that the whole request that receives from E-wallet polymerizer system 1000 is relevant with being included in value token son-sub-wallet.After receiving request, electronic value token transactions computing machine 150 will be inquired about its granted unit 157 (as described more comprehensively), its data storage area 180, e wallet unit 199 and any other necessary unit herein, for example, to determine whether son-sub-wallet comprises the value token (, whether son-sub-wallet comprises the value token that seller, businessman and/or the publisher relevant with transaction with asked are associated) that can meet theme request.This definite can being undertaken by the type of transaction of relatively electronic value token sign, user ID, request.Electronic value token transactions computing machine 150 by according to the rule of son-sub-wallet and/or with the mode of the rule application of request receiving, and is carried out electronic value token available in the son-sub-wallet corresponding to this request with postevaluation or refusal is carried out transaction and/or a plurality of transaction of asking.

In another example, an embodiment can comprise electronic value token transactions computing machine 150, its part of determining the request receiving from E-wallet polymerizer system 1000 is relevant with the electronic value token that is arranged in sub-wallet, and another part of request is relevant with the electronic value token that is arranged in son-sub-wallet.It is this that determine can be by evaluating the type of transaction that ask, electronic value token sign or for determining that any other method of transaction allocation carries out.Electronic value token transactions computing machine 150 by electronic value token available in the sub-wallet of evaluating corresponding to this request by according to the rule of sub-wallet (because these rules can affect be arranged in sub-wallet by the method for payment adopting) mode of application, electronic value token transactions computing machine 150 by according to the rule of this type of son-sub-wallet and/or with the mode of the rule application of request receiving, and is carried out electronic value token available in any applicable son-sub-wallet of evaluating corresponding to this request or refusal is carried out transaction and/or a plurality of transaction of asking.

In one exemplary embodiment, at frame 324 places, electronic value token transactions computing machine 150 can be in response to the one or more value tokens in the transaction request recognin wallet receiving and the one or more electronic value tokens in son-sub-wallet, and these are worth when token is used together will be enough to pay whole asked e purse transactions.In addition, one of electronic value token who is arranged in sub-wallet or sub-wallet can be the electronic representation of loyalty card, and is positioned at the electronic representation that another electronic value token that described loyalty card is worth the identical or different place of token can be retailer's Gift Card.In such example, electronic value token transactions computing machine 150 can be realized and use " loyalty card " token and " retailer's Gift Card " token simultaneously, no matter and the place of token in sub-wallet and/or (a plurality of) son-sub-wallet how, the value of " retailer's Gift Card " token and " loyalty card " token is applied to user's benefit that exchange increases when allowing to compare difference, for example, the value of " retailer's Gift Card " token or be applied to " loyalty card " token for the point bonus of " retailer's Gift Card " token in 5% increase.

Electronic value token can be associated with closed loop account or open loop account.The closed loop account conventionally fund in account is expired after being finished, for example Gift Card account.Open loop account is conventionally not expired.On the contrary, may there is the lasting obligation of each entity credit and debit account, for example, such as the credit card account that has brand or the debit card account of Visa or Mastercard.Closed loop account is usually directly associated with retailer, and open loop account be usually associated with financial institution (for example, the Visa of Chase or Citi distribution).In at least one embodiment, electronic value token comprises closed loop account number and open loop account number.Closed loop account number with can debit or the closed loop account's that is associated with this closed loop account number of credit retailer be associated.Open loop account number with can debit or the open loop account's that is associated with this open loop account number of credit financial institution be associated.Electronic value token can have and is different from any other and is worth the expiration date of token or use date of regulation.And electronic value token can be identified concrete businessman, place and/or the product that can use electronic value token.

If request is to add for electronic value token, in frame 306, the sub-wallet of electronics is created (if not yet creating) and electronic value token is added to the sub-wallet of electronics so.Following form comprises that the communication of e purse transaction comprises and uses to be conducive to and realize key element, parameter and the information as the sub-purse transaction of electronics of the part of the consistent main e purse transaction of just for example, being processed by main e purse transaction disposal system (, E-wallet polymerizer system 1000) by electronic value token transactions computing machine 150.

Table 8A illustrates the required parameter of asking in order to create sub-wallet at least one embodiment.Table 8B illustrates the response parameter of asking in order to create sub-wallet at least one embodiment.

Table 8A

Required parameter

Table 8B

Response parameter

Electronic value token transactions computing machine 150 is preferably that the sub-wallet of electronics and (a plurality of) are worth token allocate memory and by information segment being stored in the data structure on data storage area 180, the sub-wallet of account number and electronics and/or the authorization information that is stored in stored value card unit 199 is associated.Table 9 illustrates the parameter that is worth at least one embodiment token for Gift Card.

Table 9

Table 10 is illustrated in alternative for the more detailed parameter of Gift Card electronic value token, comprises the title of relevant (a plurality of) sub-wallet and/or (a plurality of) son-sub-wallet.

Table 10

Table 11 illustrates for verifying the form of communication.

Table 11

Table 12 illustrates the parameter for the wallet of retrieval user.

Table 12

key element	data type	explanation
			accountid	character string	account's unique identifier
accounttype	character string	account's type.
			currency	character string	denomination type.

balance	the decimal system	available balance in account
			code	character string	the state of the transaction of asking.
description	character string	the state description of the transaction of asking.

Table 13A illustrates the required parameter for the token redemption value from sub-wallet.

Table 13A

Required parameter

Table 13B illustrates the response parameter for the token redemption value from sub-wallet.

Table 13B

Response parameter

key element	data type	suggestion length	explanation
				accountid	character string		100	account's unique identifier
accounttype	character string		50						account's type.
				currency	character string	3	denomination type.
balance	the decimal system	inapplicable	available balance in account
				uniqueidentifier	character string	12	the unique identifier of transaction.
code	character string	7	the state of the transaction of asking.

key element	data type	suggestion length	explanation
				description	character string	500	the state description of the transaction of asking.

Table 14A illustrates for being written into the required parameter in sub-wallet by being worth token.

Table 14A

Required parameter

Table 14B illustrates for being written into the response parameter in sub-wallet by being worth token.

Table 14B

Response parameter

If request is to redeem for electronic value token, so in frame 308, the rule that the sub-wallet of electronics that 150 access of electronic value token transactions computing machine are associated with authorization information before this and inspection are associated with the sub-wallet of electronics.In at least one embodiment, check that rule comprises that inspection can be by the priority of user configured value token.For example, user may like using any closed loop corresponding to initiating the retailer of the request of buying to be worth token.If do not find that any closed loop is worth token or if token pays purchase not, user may more be ready that with open loop, being worth token pays remainder so.Due to this preference, closed loop is worth token may all be had than the higher priority of open loop value token.In open loop is worth token, a kind ofly may have precedence over another kind.For example, user likes paying any remainder with credit card rather than debit card.In at least one embodiment, user can should be used for configuring these rules and this priority is saved as to default preferences by the Internet or movement.In alternative, user locates to select electronic value token to be applied to stored value card request at POS device (for example,, in the seller such as cash register passage, client service center or self-aided terminal or retailer place).Therefore, select electronic value token to comprise the value token of selecting to have limit priority, these are worth when token is used together will enough pay the purchase amount of money.In example, can find out, a purchase-transaction has been split into two redemptions, and does not reduce the efficiency of purchase.Similarly, one or more electronic-purse transactions can be split into two or more transaction, and do not lower efficiency.

In at least one embodiment, check that rule comprises the number percent of the sub-wallet request of electronics that checks that different electronic value tokens should be applied to, and wherein applying electronic is worth token and comprises according to number percent electronic value token is applied to the sub-wallet request of electronics.In frame 310, electronic value token transactions computing machine 150 is the value token in the sub-wallet of rule-based selection electronics then, and these are worth when tokens are used together will meet the sub-wallet request of electronics.For example, user can configuration rule make each buy fractionation equably between two credits card.Therefore, select electronic value token to comprise and be chosen in two open loop tokens that split the purchase amount of money between them.Be similar to above-mentioned example, efficiency is kept, for example, because use single checking token (, only proxy card or mobile device) in point of sale, rather than corresponding to two credits card of electronic value token.Can implement Else Rule, and these rules can be each other with various arrangements be used in combination.Electronic value token computing machine 150 also can be based on sending in the sub-wallet request of electronics information implement " if-so " rule.For example, the purchase in refuelling station can cause gasoline credit card to be worth token selection, etc.In such embodiments, electronic value token computing machine 150 (for example can be inquired about main e wallet 10 and/or sub-wallet 807, for credit-card type electronic value token), 808 (for example, for debit card electron-like, be worth token) and 809 (for example, for stored value card electron-like, be worth token) rule 802, 817, 818 and 819 and for example, based on comprising that type of transaction (, purchase in refuelling station) transaction request information is defined as main e wallet 10 and/or sub-wallet 807, first the 808 and 809 rule request type of transaction requests of setting up (for example use the first electronic value token type, the electronic value token 829 relevant with gasoline card) meet, and at main e wallet 10 and/or sub-wallet 807, 808 and 809 do not comprise first being worth in the situation of token type of enough numbers that meets whole transaction request, electronic value token computing machine 150 can be by the second electronic value token type (for example, the electronic value token 828 relevant with debit card) meet the remainder of transaction request.

Electronic value token transactions computing machine 150 is also applied to electronic value token the wallet request of electronics.When electronic value token is applied to ask, electronic value token transactions computing machine 150 can generate and send debit and credit's message to use suitable account number to carry out on the account by retailer and financial institution's management, or when electronic value token transactions computing machine has such administration authority, electronic value token transactions computing machine 150 is credit or debit account directly.

In at least one embodiment, electronic value token transactions computing machine 150 is revised request and the request of modification is transmitted to the authoring system 160 of one of them suitable publisher, this system receives the request of revising and operates on it, for example, authorize and/or process and ask to redeem electronic value token and correspondingly upgrade data storage area.In at least one embodiment, authoring system 160 is not or not the place identical with the sub-wallet request receiving of electronics place.For example, if the reception of the sub-wallet request of electronics Shi Cong retail shop, authoring system may be had and be operated by retailer so, but may Bu retail shop place.On the contrary, authoring system may be positioned at for example data center.Therefore, retail shop and retailer do not need to know some or all contents in sub-wallet conventionally.In at least one embodiment, retail shop does not even know and has stored value card, because it only know some Trading Authorization action be communicated to its point of sale (for example, the swiping the card of proxy card, personal digital assistant and point of sale device alternately, on the keypad of point of sale, input PIN or other authorization activities).The authoring system 160 of publisher sends the response message back to electronic value token transactions computing machine 150.In the alternative of the function of the authoring system 160 of electronic value token transactions computing machine 150 execution publishers, the method can directly proceed to frame 314 from frame 306 or 310 therein.

In frame 312, electronic value token transactions computing machine 150 is from the authoring system 160 confirmation of receipt message of one of them suitable publisher.At frame 314 places, the sub-wallet of electronics that electronic value token transactions computing machine 150 upgrades in 199He data storage area, stored value card unit 180 is activated with the sub-wallet of reflection electronics, and any debit, credit, interpolation or the deletion of reflection (a plurality of) electronic value token.Fig. 6 A-6D illustrates a series of user interface pictures and prompting at least one embodiment.For example, user can see illustrated prompting when being connected to the computing machine of the Internet and/or the stored value card of self-aided terminal 189 leading subscribers.

In frame 316, transaction log 170 can upgrade to record the details about transaction by electronic value token transactions computing machine 150.The details being recorded in transaction log can comprise: (a) exchange hour and date, (b) whether the sub-wallet of electronics is activated, (c) reason that the sub-wallet of electronics is not activated when request is rejected, (d) credit of (a plurality of) electronic value token, debit, add or delete, (e) the regular variation being associated with (a plurality of) electronic value token, (f) seller's identify label, (g) identify label of publisher, (h) seller's place, (i) add the identify label of the terminal of electronic value token, (j) authorize the identify label of the entity of electronic value token, (k) from it, receive the identify label of the E-wallet polymerizer system 1000 of sub-wallet request, (l) communication between electronic value token transactions computing machine 150 and E-wallet polymerizer system 1000, and (m) their any combination.Transaction log can comprise the project except enumerating above or replace their out of Memory.

In frame 319, then electronic value token transactions computing machine 150 is forwarded to E-wallet polymerizer system 1000 by sub-purse transaction result and relevant information with the form of acknowledge message.Before acknowledge message being forwarded to E-wallet polymerizer system 1000, electronic value token transactions computing machine 150 can be revised acknowledge message as required, take comprise can be printed on on client's receipt and/or as operation point of sale device 111 salesman be presented on the information on display.At frame 320 places, electronic value token transactions computing machine 150 carries out reconciliation to the account of each seller, businessman, publisher, electronic value token transactions handles system management person and other entities relevant with distribution, sale and the marketing of the electronic value token relating in sub-wallet request, with debit and the suitable account of credit, and cause in certain embodiments the transfer of financial resources between the suitable bank account that belongs to each entity.Alternatively, (for example, once a day, once in a week, monthly once, etc.) can be regularly carried out in account's reconciliation, rather than after transaction.In such embodiments, from the Information Availability of transaction log 170 to the sale of various value tokens or redeem each related entity and carry out reconciliation, thereby need to cause less transfer of financial resources.In various embodiments, the describing order and can change of event, thus can be by the order of any expectation, sequentially or side by side carry out.

Fig. 2 C illustrates the embodiment of electronic value token transactions disposal system 1200, wherein electronic value token transactions computing machine 150 and point of sale 111 and E-wallet polymerizer system 1000 both communicate by letter.Therefore, electronic value token transactions computing machine 150 can serve as above main electronic-purse transaction processor and the sub-purse transaction processor of electronics of describing in detail in conjunction with Fig. 2 A and Fig. 2 B.

Wallet administration can be undertaken by various user interfaces, for example, and smart mobile phone application, personal computer applications, the application based on website, point-of-sale terminal, for example, in shop or the special-purpose terminal in other place, self-aided terminal.

In at least one embodiment, user can be by carrying out many functions from the WWW of computing machine or mobile phone, for example wallet administration function (for example, inquiry into balance, management integration and/or other bonus class plan); Be worth the exchange of token, for example (i) replaces to current non-existent value token in e wallet by the value token in e wallet, (ii) between different wallets, (for example exchange, in the future autogamy is set to the electronic value token of the sub-wallet that allows redemption activity and puts into the sub-wallet that is configured for savings activity and has limited redemption possibility), and (iii) with another user's exchange; Purchase will be put into the electronic value token of e wallet; Selective reception or select not receiving target to (targeted) sales promotion preferential price and material; And payment function, for example, in e wallet, between available electronic value token, split the payment (tender of payment) of payment.

About possible exchange possibility, the value token that the retailer that the value exchange of tokens that user can be associated the retailer that can not often go with user becomes may often go with user is associated.Similarly, user can change, sells, gives or represent value token or bundled value token each other.

By e wallet management function, user can: (i) determine the number that is worth the value that token is associated with each, such as reward points, the dollar amount of money etc.; (ii) check the due date that is worth token, for other people buy value token, using as gift, and from concrete retailer's reception notification; (iii) create, register and delete its stored value card or the concrete value token in its stored value card; (iv) physical representation that request e wallet provided or supplied with the electronic value token in user's stored value card (for example, in one embodiment, provide the service of printing on demand to allow user to print other physical representation of document, reward voucher, check or electronic value token on self-aided terminal 189 or other addressable printer); And the distinctive value token of integrated transmission user that (v) allows e wallet for example to serve or serve by the SMS with user by the GPS in user's mobile phone.

In at least one embodiment, user's stored value card integrates with the social networking service such as the user of Facebook and Twitter.Therefore, user can be carried out management function or be received and be worth token by social network-i i-platform by social network-i i-platform.Also all or part of information of the stored value card about user can be offered to user's social networking contacts.

As shown in Figure 6A, user can be by interactive display page/picture access e Wallet System of this type systematic, for example, electronic value token transactions disposal system 100 or E-wallet polymerizer system 1000, wherein interactive display page/picture by user's computing machine, user's personal digital assistant or smart mobile phone, point-of-sale terminal, self-aided terminal 189 or other device access.As shown in Figure 6A, user can be by providing the information of some requirement and agreeing to that some terms and conditions creates and/or register e wallet or sub-wallet.

As shown in Figure 6B, user can manage its e wallet by some being blocked to peculiar input information in the interactive display page/picture of e Wallet System.The another name of brand, card number, due date, CVV2 code and card that in one embodiment, user can be by input Gift Card and select " Gift Card being added to my wallet " button to register Gift Card on picture.

As shown in Figure 6 C, user is provided many options with management e wallet and content thereof.For example, as shown in the figure, user can check the detail that the electronic value token that exists in e wallet and/or sub-wallet (being Gift Card shown in Fig. 6 C) is associated.In addition, user can ask electronic value token to be provided as: (i) " finally add " (as shown in Figure 6 C); (ii) (sub-wallet can be classified or with another name, such as " food and drink ", " household ", " debit card ", " credit card ", " loyalty card " etc.) comprising in each " sub-wallet "; (iii) by the surplus value from being up to minimum order; Or (iv) by using ordering of optimization preference.

In addition as shown in Figure 6 C, user can " add Gift Card ", " increase be worth ", " redeeming card " and " sell and block ".

" interpolation Gift Card " function makes user electronic value token can be put into e wallet." interpolation Gift Card " selected at least to provide two kinds of diverse ways, so that user adds electronic value token to e wallet.The electronic value token of the entity card that first, representative of consumer can be had adds e wallet to.As described in reference to Fig. 6 B, by selecting the follow-up mode of " interpolation Gift Card " and this type of interpolation, the picture of Fig. 6 B can be presented to user.The another name of brand, card number, due date, CVV2 code and card that correspondingly, user can be by input Gift Card and select " Gift Card being added to my wallet " button that " Gift Card " added to e wallet on picture.Alternatively, user (for example can access card reader, magnetic stripe reader and/or bar code reader), for example be attached to the device of user's computing machine, personal digital assistant or smart mobile phone, and utilize such device in conjunction with user's computing machine, personal digital assistant or smart mobile phone from entity card reading information, with by the input information of card in e Wallet System to convert electronic value token to.Secondly, the electronic value token of the entity card that representative of consumer not yet can be had adds e wallet to.In such embodiments, when user selects this option, can present and inform that user can be used for the display frame of all dissimilar and amount of value of the electronic value token bought to user.Availability for the electronic value token bought (for example can be depending on e Wallet System, electronic value token transactions disposal system 100) and card issuer, businessman, seller and/or processor are (for example, the application of the GiftCard Mall being provided by BlackHawk Network based on web, it makes user from the Gift Card of various dissimilar (with different denominations), select and Selected Card is delivered to user (or recipient of user's appointment) or (for example sends in electronics mode with tangible form (by mail or other express delivery), by electronic value token transactions disposal system)) relation, or (for example can depend on e Wallet System, electronic value token transactions disposal system 100) ability of access electronic value exchange of tokens program 2000, as below will described more comprehensively.

" increase be worth " function make user can select electronic value token and increase described in the value that meets.This " reloading " of electronic value token, " appending " or " supplementing with money " can be as carrying out as described in international application No.PCT/US11/40055, and this application is incorporated herein by reference in full.For example, when e wallet user wish to reload/supplement with money being arranged in the electronic value token relevant with telecommunications of e wallet/while appending, user can select " increase be worth " in display frame, and this will reload prompt system/supplement with money/and append request is sent to electronic value token computing machine 150.

Reloading/supplement with money/and append in the first embodiment of situation, if the electronic value token relevant with telecommunications is activated and is associated with telephone number, electronic value token computing machine 150 will be agreed to request.Electronic value token computing machine 150 is determined the telecommunications account relevant with telephone number and asked reloading/supplement with money/additional quantity is increased to account.The response (for example, pointing out to reload/supplement with money/append the amount of money to be increased to the account who is associated) that electronic value token computing machine 150 sends request.Electronic value token computing machine 150 by reloading/supplement with money/append transaction request to be sent to the telecom operators that are associated with telephone number.Cong telecom operators receive and reload/supplement with money/append the license of transaction request after, electronic value token computing machine 150 revises the value of the electronic value token relevant with telecommunications and reloads/supplement with money to reflect/number that appends.Electronic value token computing machine 150 is by the modification of the value of the display reflection electronic value token that makes to be accessed by user, or reloading/supplement with money/and appending transaction request when not granted, electronic value token computing machine 150 will make display inform this result of user.Although described " increase be worth " function in conjunction with the electronic value token relevant with telecommunications, " increase and be worth " function is equally applicable to and can be used for reloading/supplement with money/appends the electronic value token being associated with debit card, prepaid services card, Gift Card etc.

Function makes user can select electronic value token and meets and buy or other transaction with this token " to redeem card ".In " redeeming card " situation, if do not use whole value of electronic value token in redeeming transaction, system will be revised/reduce the surplus value of this token and make display inform the value that " newly " of user's token reduces, and also informs that all shareholders redeem transaction and correspondingly record and adjust any relevant daily record simultaneously.Alternatively, while using e wallet under the transaction context in point-of-sale type rather than under above-mentioned e wallet management background, " redeem card " function can automatically be called by the Transaction Information transmitting from point of sale and rule that therefore can be based on predetermined.

" sell card " function makes user can select the monetization by card being sold to following each side: (i) another e wallet user, (ii) e wallet (or sub-wallet) system supplier or (iii) electronic value exchange of tokens program 2000 (as described more comprehensively herein).In " selling card " situation, by informing e Wallet System, it wishes the electronic value token of selling to user, from the list of available forum, select the forum for such sale, how indication mechanism should (for example remit money e wallet by the income of sale, the form that has the electronic value token of brand with e Wallet System, value is increased to other selected electronic value token, and/or send user can for bid provide hard/receipt of tangible form (for example, document, reward voucher, check, or their combination)), and where applicable indication mechanism user be unwilling lower than the threshold value of sale of electronic value token, for example, reserve price is set.System is the sales transactions of carry out desired, and makes display inform the result of the sale of user's electronic value token, also informs all shareholder's sales transactions simultaneously and correspondingly records and adjust any relevant daily record.

As shown in Fig. 6 C further, user can select management " my award ", and this shows by producing the picture that the option providing to user for using e wallet and/or the integration of electronic value token or the award of other type is provided due to user.User can also select " special selling ", and this will produce the picture that the offering of the promotional form that can provide to user by e wallet is provided to user.User also can select " exchange ", and this shows by producing the picture that can be used for being undertaken by e wallet the user option of electronic value exchange of tokens.

With the e wallet management ability with reference to providing above and the similar mode of functional description, self-aided terminal 189 can be connected at least one embodiment electronic value token transactions computing machine 150 and serve as the user interface with e purse transaction system, to allow user to access e wallet management function.

Self-aided terminal 189 can be placed in the region that flow of the people is large, shopping center for example, and can carry out any wallet administration function.For example, user can create, deletes and change its stored value card or sub-wallet.User can also check the remaining sum of the electronic value token that is arranged in e wallet, adds, takes out, reloads, supplements with money, prints and exchange the value token in its stored value card or sub-wallet.In at least one embodiment, self-aided terminal 189 can reflect the available transaction in wallet administration website, or the personal digital assistant that enables of e wallet and/or the function of smart mobile phone.If particular retailer is not accepted electronic-purse transaction, user can adopt the function that prints on demand that it is worth to token.For example, user can select the value token that will print, and the printer that is connected to self-aided terminal 189 will be printed the physical representation of selected value token, for example, have be linked to electronic value token can scanning bar code receipt.Physical representation can be Gift Card with magnetic stripe, for example, with the paper receipt of bar code or Quick Response Code (, QR code) or reward voucher etc.In one embodiment, self-aided terminal 189 can be printed entity card, for example, for extra printing expense.User also can use self-aided terminal 189 to provide and/or cut apart (for example, creating sub-wallet) stored value card.For example, after the stored value card that authentication of users and identification are associated with user, user can insert self-aided terminal 189 by user's entity stored value card, for example, be similar to ATM (Automatic Teller Machine) machine operation self-aided terminal or alternatively there is the manned self-aided terminal of suitable card reader etc.Self-aided terminal 189 can be converted to entity stored value card the electronic value token in user's stored value card.Then, entity stored value card can be retained by self-aided terminal 189 or damage or return to user.In one embodiment, entity stored value card can not be used by user after conversion.In another embodiment, user can have the selection of using electronic value token or entity stored value card.In other words, both will be " activation " and available.User also can buy and be worth token directly to supply with wallet from self-aided terminal 189.

In at least one embodiment, user is associated with a plurality of stored value cards.In order to identify a wallet a plurality of wallets from being associated with user, each in a plurality of wallets is associated with unique wallet sign (" ID ").For example, database or look-up table can be used to access wallet sign.In at least one embodiment, wallet ID can be by customization.

As quoted in conjunction with above-mentioned main e wallet and sub-wallet embodiment, disclosed e wallet and sub-wallet method and system provide the ability that value is increased to the electronic value token that is arranged in e wallet and/or sub-wallet for user.In one embodiment, the similar competence for added value of electronic value token transactions disposal system 100 described herein and function describe in detail and explanation in international application No.PCT/US11/20570, this application is incorporated herein by reference in full, and the linguistic context (context) that this type of similar competence for added value and function can be described from international application No.PCT/US11/20570 is revised as and is applicable to e wallet/electronic value token linguistic context of the present invention.

Can to client, provide buying and/or redeem the award that described (a plurality of) are worth token by purchase value and the value difference between redemption value of (a plurality of) value token.

In one embodiment, client can buy with $ 25 the value token of the face amount with $ 25, but the purchase price that electronic value token can add electricity Qian Bao – $ 25 to by the amount of money of $ 30 adds the extra $ 5 increasing as buying the award of electronic value token.Alternatively, replace surrender value to be added into electronic value token, can use for the redemption coupon code of specific product or service electronic value token is encoded.For example, the value token of the $ 15 of cafe can have electronics and redeem coupon code, for the free syrup that adds a cuvette customer choice on any coffee of buying at this cafe.A free cuvette syrup can be redeemed when redeeming part or all electronic value token amount of money, or a free cuvette syrup can be redeemed individually.

In another embodiment, being worth token seller can increase to be worth to provide when redeeming electronic value token client the client of redemption value token is rewarded outside the value of electronic value token.For example, businessman can carry out advertising campaign, and aprowl, when client's one of retail shop use value token shopping of inherent this businessman at the appointed time, businessman provides 5 extra credits to client.

As mentioned above, electronic value token transactions computing machine 150 is communicated by letter with the authoring system 160 of data storage area 180 and/or publisher.Electronic value token transactions computing machine 150 can compare the data that comprise in the one or more and data storage area 180 in the time and date of the card sign that comprises in transaction request, terminal iidentification, seller's sign and activation request, to determine that whether the electronic value token that will add/redeem is qualified, obtains increment award.For example, seller can carry out advertising campaign to encourage purchase of customer to be worth token, and the value token of wherein buying at the appointed time can be bought to be less than the price of the specified value of the explanation of electronic value token or metadata.Therefore, client can for example, buy the value token of $ 25 to be less than certain amount of money (, $ 20) of $ 25.In above-mentioned any example, (be for example worth poor (value differentiator), add the bonus of the redemption value that is worth token to and specify the minimizing of the purchasing price of the value token being worth) can be applied to the value pack of tokens of binding, and be worth poor be distributed in fifty-fifty or disproportionately in electronic value token and/or between.Similarly, retailer can combine and carries out associated sales promotion by honouring whole or in part other retailer's value token, maybe can combine and carry out associated sales promotion for specific product or sales promotion.By being chosen in point of sale, use stored value card, user even can receive the benefit of the ignorant sales promotion of user.And by configuration rule, user can guarantee to locate to obtain best sales promotion each retailer, and does not need comparative shopping.Therefore, retailer can be on every day or basis even hourly implements and change sales promotion and associated sales promotion with other retailers with fast rhythm, and do not waste advertising resource, with guarantee user know sales promotion and do not need user to relate to such as shearing reward voucher, field personnel that the tradition of inputting various promotion code etc. is redeemed model.In addition, retailer can be fine-tuning to each by sales promotion and segment market, so as by meet the particular demands segment market reinforcement relation.

Message

106 and 110 is revised so that value-added information is added in message in message modification unit 154.For example, if increment determining unit 153 is determined the condition of wanting added value token to meet to rise in value bonus, the message 106 receiving from point of sale device 111 will be revised to comprise determined increment bonus by message modification unit 154, and the authoring system 160 that is then forwarded to suitable publisher as message 109 is to ratify to add for the amount of money of appointment in activation request the request of increment bonus.As another example, if determine that electronic value token meets the condition of buying with discounted price, the message 106 receiving from point of sale device 111 points out that with the authoring system 160 of the publisher to suitable electronic value token will be added into stored value card with certain amount of money by revised (and forwarding as message 109) by message modification unit 154, but client will be collected the amount of money still less that reflects the discount being associated with electronic value token.

In one embodiment, message modification unit 154 also revise be intended to for the message 110 of the authoring system 160 from publisher of point of sale device 111 take comprise can be printed on the receipt that client generates about being increased to any information of the value of electronic value token, and can in

terminal

101 or 104, present to cashier, cashier can communicate by letter to client's information, and this type of amended message is forwarded to point of sale device 111 as message 107.

As quoted in conjunction with above-mentioned main e wallet and sub-wallet embodiment, disclosed e wallet and sub-wallet method and system for user provide by be arranged in user's e wallet or the electronic value token of sub-wallet with at present not at user's e wallet or sub-wallet but the ability that the electronic value token that becomes available by transaction system e wallet or sub-wallet is exchanged mutually.

The owner of electronic value token computing machine 150 and/or operator can obtain income by the activity of arbitrage class.That is, electronic value token computing machine 150 owners and/or operator can keep the difference of two kinds of current rates between electronic value token, and for example, the first electronic value token is concluded the business/exchanged and the second electronic value token is supposed to/obtains.In at least one embodiment, electronic value token transactions computing machine 150 also can be collected to user the transaction fee of exchange.Transaction fee can be fix or the size based on change volume.

Electronic value token transactions computing machine 150 also can be collected fixing transaction fee or the transaction fee based on change volume to any one or both in the publisher being associated with exchange and/or retailer.These transaction fees may be few but produce in a large number.All each side may be benefited, because by with user, obsolete value token being exchanged, user is just receiving user by the value token using.In addition, Yi Ge publisher and/or retailer eliminate debt or the stock's responsibility being associated with the value token of exchanging, thereby discharge capital to be used as other purposes.In addition, another publisher and/or retailer can obtain client, retain loyal customer or increase income when client's cost exceeds the amount of money of electronic value token.

As quoted in conjunction with above-mentioned main e wallet and sub-wallet embodiment, disclosed e wallet and sub-wallet method and system provide the ability that the electronic value exchange of tokens that is arranged in e wallet and/or sub-wallet is become not to be positioned at other electronic value token of described e wallet or sub-wallet for user.Such value exchange of tokens can be by (1) e wallet user (i) in point of sale, (ii) at self-aided terminal, (iii) personal digital assistant by user or smart mobile phone, (iv) by being linked into any other method of e wallet of website, (v) or the calling party of user's e wallet; Or (2) by the e wallet rule application of e wallet disposal system, initiated, wherein this rule is set up by (i) e wallet user, (ii) e wallet supplier, (iii) or their combination.

In at least one embodiment, the second value token being associated with the second retailer that the first value exchange of tokens being associated with the first retailer that is arranged in e wallet is become not to be arranged in e wallet need to be applied rate of conversion.This rate of conversion can be applied to the value of the second value token that will obtain in exchange, therefore the face amount that reduces the second value token is relevant with the value that first of exchange the second value token is worth token, or rate of conversion can be applied to some other admissible assets (as by any dependency rule or instruction or regulation) that is arranged in e wallet.Rate of conversion can be realized and/or be shared with specifying seller, businessman and publisher by e wallet disposal system.

Rate of conversion can by by the lasting valuation program of e wallet disposal system or associated entity operation, be set up, comprise follow the tracks of electronic value token, Gift Card (or other similar bill) use and interest, this type of electronic value token, Gift Card (or other similar bill) can be in order to be incorporated to the foundation of the value of all these type of electronic value tokens of electronic value exchange of tokens program and the dynamic change of Gift Card class bill from purchase and the e wallet disposal system in other e wallet users or other sources.

Above-mentioned electronic value exchange of tokens program can be by the following illustration of discussing.E wallet user can process the e wallet being associated with self-aided terminal 189 in the shop of retailer A.E wallet user and self-aided terminal 189 join and provide e wallet identifying information (for example, " accountid " described in table 1 herein) to self-aided terminal.Providing of identifying information can be by being undertaken by self-aided terminal user's artificial input, or can automatically carry out by e wallet user's personal digital assistant (or proxy card 200) and the communication between self-aided terminal 189.Then e wallet user can use the electronic value exchange of tokens program of self-aided terminal 189 access e wallets and self-aided terminal 189 can further be used for judicial convenience and complete any desired electronic value exchange of tokens.In one embodiment, e wallet user may wish by the e wallet that is included in user (or its sub-wallet) by retailer B issues and/or the electronic value exchange of tokens accepted becomes to be issued and/or accepted by retailer A electronic value token.E wallet user and self-aided terminal 189 handing-over can cause presenting all display frame as shown in Figure 6 C to e wallet user.Except e wallet user can be browsed the content of e wallet, display also allows e wallet user from available function, to select " exchange " tab.Then " exchange " tab will present the option that can be used for electronic value exchange of tokens for e wallet user.As shown in Figure 6 D, this Class Options can comprise: (1) checks a series of electronic value tokens that can be used for purchase; (2) check a series of electronic value tokens that are arranged at present e wallet; (3) check the various rate of conversion of the electronic value token of identifying for purchasing, it takes out the electronic value token of (exchanges) and calculates (rate of conversion can change according to the type/retailer of the electronic value token of selecting to be used for to exchange) from e wallet based on selecting; (4) check option for meeting rate of conversion (for example, (i) minimizing of the selecteed value for the electronic value token purchased for example credit card is worth token or debit card is worth token to meet rate of conversion or (ii) number of rate of conversion to be applied to be positioned at some other assets of e wallet); (5) check for sending a series of options of the electronic value token that is selected for purchase, for example (i) is delivered in e wallet (or sub-wallet), (ii) via e-mail, SMS, social media or other electronic method are delivered to personal digital assistant or computing machine, (iii) the tangible version that electronic value token is printed at the printing equipment place of selecting self-aided terminal or other user (for example, by being printed on receipt class carrier (capability), as U.S. Patent application No.12/719, described in 741, this application is incorporated herein by reference in full).User can be provided in response to the information providing in each above-mentioned picture by the selection of expectation, because picture checks that option comprises the function that allows to select shown option described in each.In this example, user selects the $ 25.00 electronic value exchange of tokens that are arranged in the retailer B of e wallet to become the electronic value token of retailer A.Result, if user selects rate of conversion to be applied to the value of the electronic value token of retailer A, electronic value exchange of tokens program prompts self-aided terminal 189 shows the exchange of asking, and by causing user to obtain the electronic value token of the retailer A of amount of money $ 24.75, (rate of conversion will be different because of the difference of concluding the business, rate of conversion can be any value, for example, $ 0.001 to $ 10.00, or at this below scope, within or more than any value).User carries out such selection.Electronic value exchange of tokens program prompts self-aided terminal 189 shows available delivering method, and user selects to be delivered in e wallet.Electronic value exchange of tokens program prompts self-aided terminal 189 shows another picture that is similar to Fig. 6 C, but indication e wallet now comprises the electronic value token of the retailer A of amount of money $ 24.75.

As the result of above-mentioned " exchange " transaction, e wallet user receives the electronic value token of the retailer A of its expectation, and electronic value exchange of tokens program is received the $ 25.00 electronic value tokens of retailer B.A part as above-mentioned transaction, the electronic value token distribution entity of the electronic value token of electronic value exchange of tokens program contact retailer A (for example, in one embodiment, the distribution entity of the electronic value token of retailer A can be electronic value exchange of tokens program 2000) and ask to provide the $ 24.75 electronic value tokens of retailer A to meet e wallet user's request; Alternatively, the electronic value token of its retailer A having controlled of electronic value exchange of tokens modification of program, for example, its debt that it can be associated with described card of distribution entity that the $ of retailer A 25.00 electronic value tokens is modified to the electronic value token that is only worth $ 24.75 and informs retailer A reduces $ 0.25.In addition, the 25.00 electronic value tokens signs that electronic value exchange of tokens program 2000 provides suitable retailer B by the Bing Wei publisher of electronic value token publisher of contact retailer B, make publisher can from it is in debt list, remove the 25.00 electronic value tokens of retailer B.Therefore, net result the most, the activity of electronic value exchange of tokens program causes distributing to according to set up contractual obligation the value (rate of conversion of Stake Holders' $ 0.25, that is the electronic value token, being obtained by request user is with poor by the value of the electronic value token of asking user to surrender as a part of exchanging).

In alternative sight, if e wallet request user selects to meet rate of conversion by the another kind of assets that are arranged in e wallet or sub-wallet, for example credit card electronic value token or debit card electronic value token, the electronic value token of the $ 25.00 retailer A that e wallet user is mated the electronic value token of the $ that is provided and surrenders in transaction 25.00 retailer A, and the rate of conversion of $ 0.25 will be by collecting credit card electronic value token or debit debit card electronic value token is realized.Sort of activity is concluded the business the communication by means of between electronic value exchange of tokens program and credit card electronic value token or debit card electronic value token, to ask that the rate of conversion of $ 0.25 is worth to the electronic value exchange of tokens program of paying.Therefore, equally as net result, the activity of electronic value exchange of tokens program is by the value (rate of conversion) that causes 0.25, and it can distribute to Stake Holders according to the contractual obligation of having set up.

Although describe under self-aided terminal 189 linguistic context, above-mentioned electronic value exchange of tokens transaction (or its any described modification) also can locate in point of sale, by having the computing machine of the personal digital assistant of e wallet function or the e wallet by access user, undertaken.

In alternative electronic value exchange of tokens embodiment, as discussed before this, e wallet can automatically instruct the activity of electronic value exchange of tokens.For example, e wallet user can manage e wallet, for example, so that at retail shop (work as user, while retailer Q) locating to provide e wallet not contain the electronic value token of retailer Q brand to meet transaction and e wallet, e wallet will start electronic value exchange of tokens process automatically and in real time, and wherein e wallet is communicated to electronic value token transactions computing machine 150 by the request of electronic value exchange of tokens.In this example, e wallet user management e wallet, so that all electronic value tokens that are associated with payment in advance service (Gift Card electron-like is worth token) are arranged in the sub-wallet of appointment, and each in described electronic value token by priority ordering system place/stipulate/specify in sub-wallet, for example, most preferred electronic value token or token type are (for example, #1) (for example arrive least preferred electronic value token or token type,, if there are 22 kinds of electronic value tokens in #22) in sub-wallet.For example, the electronic value token of retailer M brand can be designated as most preferred, and the electronic value token of retailer L brand can be designated as least preferred.In addition, in this example, also by the user who instructs e wallet under following situations for e wallet is provided with rule: wherein, e wallet has been provided to be convenient to the transaction at retailer place, wherein e wallet does not comprise any described retailer's electronic value token (e wallet is by the identification of the information based on exchanging between e wallet and retailer's communicator when initial transaction starts retailer), the situation of retailer Q mentioned above for example, e wallet rule instruct e wallet initiate electronic value exchange of tokens request and described request comprise be arranged in e wallet least preferred electronic value token (, the electronic value token (#22) of retailer L brand) and if desired preferred electronic value token #21, the exchange of #20 etc., being exchanged into number is enough to meet the retailer Q electronic value token of the volume of initial transaction.After receiving the request of electronic value exchange of tokens, the electronic value exchange of tokens that electronic value token transactions computing machine 150 is communicated by letter with the electronic value exchange of tokens program 2000 (it is a part for whole electronic value token transactions disposal system 100) such as electronic value token dealer and asked to realize.The electronic value exchange of tokens of asking is performed, e wallet receives the electronic value token (happen to be in while carrying out initial transaction and used) of the retailer Q brand of asking, and e wallet is surrendered and (or is made it unavailable to electronic value token transactions computing machine 150, and only for revising) the electronic value token of retailer L brand, it is worth the electronic value token that in fact exceeds asked retailer Q brand in this case.Therefore, the value (internal modification or the publishing system by the electronic value token with retailer L brand communicate to revise) that electronic value token transactions computing machine 150 is revised the electronic value token of retailer L brand according to the electronic value token of provided retailer Q brand reduces to reflect to be worth, extract the rate of conversion (as will be discussed more comprehensively) for the electronic value exchange of tokens of retailer Q brand being become to the electronic value token of retailer L brand herein, Transaction Information is communicated to all shareholders, and the retailer L brand's equity token after revise being worth is returned to (or make its again available) to user's e wallet.

In alternative, the electronic value exchange of tokens rule of e wallet may suppose that e wallet exchanges about being arranged in the available rate of conversion inquiry of the best of the electronic value token electronic value token transactions computing machine 150 of e wallet and the sequence based on this optimal change rate rather than electronic value token.In addition, which value token e wallet user can subjective judgement should exchange to meet transaction.

In one embodiment, be worth e wallet and sub-wallet and the quotation to electronic value exchange of tokens to e wallet user proposition that exchange of tokens program 2000 can be investigated the user who is safeguarded by electronic value token transactions computing machine 150.For example, be worth the use record that exchange of tokens program 2000 can be based on (i) e wallet as the parts of investigation; (ii) time span that untapped electronic value token stops in e wallet; (iii) on market for the demand of some electronic value token; (iv) the overdue date of electronic value token; (v) for electron gain, be worth the sales promotion preferential price of token; And (vi) their combination is determined to e wallet customer quote, (a plurality of) electronic value exchange of tokens that is arranged at present e wallet/sub-wallet of user is become at present not to (a plurality of) electronic value token at user's e wallet/sub-wallet.In one embodiment, be worth exchange of tokens program 2000 and can exchanging additional increment/Bonus Reward as described above in quotation.In another embodiment, quotation can comprise that permission user puts into a part for the exchange value amount of money the option of savings wallet, as below described more comprehensively.

As quoted in conjunction with above-mentioned main e wallet and sub-wallet embodiment, disclosed e wallet and sub-wallet method and system user can be specified be arranged in e wallet or sub-wallet value token position and stipulate the use of described e wallet and/or sub-wallet and/or the rule of availability.As described herein in addition, (a plurality of) electronic value token can be from being configured to allow the sub-wallet (hereinafter referred to as e wallet or the sub-wallet of " can redeem completely " appointment) of redemption activity to be removed and to put into the sub-wallet (hereinafter referred to as e wallet or the sub-wallet of " savings " appointment) that is configured for the limited redemption possibility of having of savings activity.In fact, system of the present invention contributes to, at electronic value token, e wallet or sub-wallet are put into e wallet or the sub-wallet of " savings " appointment by (a plurality of) electronic value token when available.

In one embodiment, electronic value token can be specified for and/or put into some e wallet and/or sub-wallet, and described wallet has regulation e wallet or sub-wallet by for the activity of saving and therefore inconvenient general access or for the rule of redeem/redemption activity.In one embodiment, similar savings ability, function, requirement and the limitation of electronic value token transactions disposal system 100 described herein describe in detail and explanation in international application No.PCT/US11/49338, this application is in full incorporated herein by reference, and this type of is similarly saved linguistic context that ability, function, requirement and limitation can describe from international application No.PCT/US11/49338 and is revised as and is applicable to e wallet/electronic value token linguistic context of the present invention.

At least in certain embodiments, by electronic value token (for example allow user, the electronic value token relevant with debit card) the e wallet or the sub-wallet that from e wallet or the sub-wallet of " can redeem completely " appointment, are easily redistributed to " savings " appointment, vice versa.User may for example, the account transfer to the e wallet from " savings " appointment or sub-wallet to e wallet or the given number of times of per calendar month of sub-wallet (, six times) of " can redeem completely " appointment by legal restrictions.User can specify by the website of e Wallet System, IVR, personal digital assistant or smart mobile phone or utilize customer service to represent disposable account transfer.User also can set up and automatic account transfer between the e wallet of " can redeem completely " appointment or the e wallet of sub-wallet and " savings " appointment or sub-wallet.For savings encouragement, can automatically inject capital into the e wallet of " savings " appointment or the option of sub-wallet for user provides from e wallet or the sub-wallet of " can redeem completely " appointment, it can be triggered by various transaction event, comprise: (a) after receiving direct deposit, (b) reloading/supplement with money/appending transaction while occurring, and/or (c) for example, with fixed time interval (, again occurring once weekly or monthly).User can select in available options whole, some or entirely do not select.In addition, above-mentioned event can be concluded the business, no matter and " can redeem completely " appointment or the e wallet of " savings " appointment or the current remaining sum of sub-wallet be how many.User can select to be written into the amount and percent of the e wallet of " can redeem completely " appointment or the electronic value token of sub-wallet.When user selects the time interval of automatic account transfer, user can select the preferred date.User upgrades, edits or otherwise change the dirigibility of automatic input Funding Options by having at any time.The e wallet of any negative " can redeem completely " appointment or sub-wallet may be repaired (cured) before at initiation any e wallet or sub-wallet automatic or disposable transferring into " savings " appointment.If automatic account transfer can not be injected capital into completely or can not be put into fund at all, so any avail takes out the e wallet by from " can redeem completely " appointment or sub-wallet to be put into the e wallet of " savings " appointment or sub-wallet and will to e wallet user, to provide a description the notice of this transaction.Automatic account transfer will continue the account transfer option of appointment and the amount of money subsequently.

Above-mentioned electronic value token transactions computing machine 150 can be implemented on any specific machine, and this machine has enough processing poweies, storage resources and network handling capacity and is loaded into the necessary workload on it to process.

All or part of of said system can be implemented on any specific one or more machines, and these machines have enough processing poweies, storage resources and handling capacity and are loaded into the necessary workload on one or more computing machines to process.Fig. 5 illustrates all or part of the computer system 580 of be applicable to implementing in one or more embodiment disclosed herein.Computer system 580 comprises the processor 582 (it can be called as CPU (central processing unit) or CPU) with storage communication, and memory storage comprises secondary storage 584, ROM (read-only memory) (ROM) 586, random access memory (RAM) 588, I/O (I/O) device 590 and network connection device 592.Processor 582 can be embodied as one or more cpu chips.

Be to be understood that, by executable instruction is programmed and/or is loaded in computer system 580, at least one in CPU 582, RAM 588 and ROM 586 is changed, thereby partly changes computer system 580 particular machine or the equipment with the novel capabilities that the disclosure instructs into.For electrical engineering and field of software engineering, basic is can be converted into hardware implementation by the design rule of knowing by can executive software being loaded into the function of implementing in computing machine.The consideration of stability with the number of unit that will produce of design rather than any problem relating to conversion from software domain to hardware domain are depended in the decision-making of implementing certain concept in software or hardware conventionally.In general, still standing the frequent design changing may be preferably with implement software, because the hardware implementation ratio of reforming is reformed, Software for Design is more expensive.In general, can be preferably with hardware implementation by mass-produced stable design, for example, with special IC (ASIC), because for a large amount of production, running hardware implementation can be lower than implement software cost.Design often can be with form of software development& testing, is converted to the equivalent hardware implementation in the special IC of hard wire software instruction subsequently by the design rule of knowing.The machine that new ASIC controls is particular machine or equipment, in the mode identical with it, has programmed and/or the computing machine that loaded executable instruction equally also can be regarded as particular machine or equipment.

Secondary storage 584 consists of one or more disc drivers or tape drive conventionally, and is used to the not overflow data memory storage when keeping whole operational data of the non-volatile memories of data and RAM 588.Secondary storage 584 can be used for storage program, and when such program is selected for execution, they are loaded in RAM 588.The instruction that ROM 586 is read for storage program term of execution the and possible data.ROM 586 is nonvolatile memories, and with respect to the more large memories capacity of secondary storage 584, ROM 586 has small memory capacity conventionally.RAM 588 is for stores volatile data and may store instruction.To both access of ROM 586 and RAM 588 conventionally faster than secondary storage 584.Under some linguistic context, secondary storage 584, RAM 588 and/or ROM 586 can be called as computer-readable recording medium and/or non-transient computer-readable medium.

I/O device 590 can comprise printer, video monitor, liquid crystal display (LCD), touch-screen display, keyboard, keypad, switch, dial, mouse, trace ball, speech recognition device, card reader, paper tape reader or other input media of knowing.

Network connection device 592 can be taked following form: modulator-demodular unit, modulator-demodular unit group, Ethernet card, USB (universal serial bus) (USB) interface card, serial line interface, token ring card, Fiber Distributed Data Interface (FDDI) card, WLAN (wireless local area network) (WLAN) card, wireless receiving and dispatching card such as CDMA (CDMA), global system for mobile communications (GSM), Long Term Evolution (LTE), global intercommunication microwave access (WiMAX) and/or other air interface protocol wireless receiving and dispatching card, and other network equipment of knowing.These network connection devices 592 can make processor 582 communicate by letter with the Internet or one or more Intranet.Utilize such network to connect, can expect in carrying out said method step process, processor 582 can be from network receiving information, or can be to network output information.Such information is often expressed as the instruction sequence of using processor 582 to carry out, can receive and output to network from network, for example, and to embed the form of the computer data signal in carrier wave.

Such information can comprise using data or the instruction that for example processor 582 is carried out, and can receive and output to network from network, for example, and with the form of the signal in computer data baseband signal or embedding carrier wave.The signal of the signal in baseband signal or embedding carrier wave or use at present or in the future other type of exploitation can generate according to several method well known to those skilled in the art.Under some linguistic context, baseband signal and/or the signal embedding in carrier wave can be called as momentary signal.

Processor 582 is carried out it from instruction, code, computer program, the script of hard disk, floppy disk, CD (these systems based on difference dish can be regarded as secondary storage 584), ROM 586, RAM 588 or network connection device 592 accesses.Although a processor 582 is only shown, can has a plurality of processors.Therefore,, although serve as reasons certain processor of instruction discussion can be carried out, these instructions also can side by side, serially or otherwise be carried out by one or more processors.Under some linguistic context (context), can from secondary storage 584, for example instruction, code, computer program, script and/or the data of hard disk, floppy disk, CD and/or other device, ROM 586 and/or RAM 588 accesses can be called as non-instantaneous instruction and/or non-prompting message.

In one embodiment, computer system 580 can comprise two or more computing machines that communicate with one another, their collaborative executing the task.Such as but not limited to, application can be divided, and mode is for allowing the concurrent and/or parallel processing of the instruction of this application.Alternatively, the data of being processed by application can be divided, and mode is carried out the concurrent and/or parallel processing of data set different piece for allowing by two or more computing machines.In one embodiment, computer system 580 can adopt virtualization software so that the function of many servers to be provided, and it is not subject to the immediate constraint of computer system 580 Computer numbers.For example, virtualization software can provide 20 virtual servers in four entity computer.In one embodiment, by carry out one and/or a plurality of application in cloud computing environment, can provide above disclosed function.Cloud computing can comprise uses the flexible computational resource of capable of dynamic to connect calculation services is provided via network.Cloud computing can be supported by virtualization software at least in part.Cloud computing environment can and/or can be rented from third party supplier based on demand by enterprise.Some cloud computing environments can comprise by enterprise and having and the cloud computing resources operating and the cloud computing resources of renting and/or leasing from third party supplier.

In one embodiment, some or all above disclosed function may be provided in computer program.Computer program can comprise one or more computer-readable recording mediums, wherein has the program code that computing machine can be used, to implement above disclosed function.Computer program can comprise the program code that data structure, executable instruction and other computing machine can be used.Computer program can be embodied in movably computer-readable storage medium and/or immovable computer-readable storage medium.Movably computer-readable recording medium can include but not limited in paper tape, tape, disk, CD, solid-state memory chip, for example analog magnetic tape, compact disc read-only memory (CD-ROM) dish, floppy disk, flash disk, digital card, multimedia card etc.Computer program can be suitable for by computer system 580, at least part of content of this computer program being loaded into secondary storage 584, ROM 586, RAM 588 and/or other nonvolatile memory and the volatile memory of computer system 580.Processor 582 can be partly by direct access computer program product, for example, by reading to process executable instruction and/or data structure from inserting the CD-ROM dish of the disc driver peripheral hardware of computer system 580.Alternatively, processor 582 can be by remote access computer program, for example, by processing executable instruction and/or data structure via network connection device 592 from remote server download executable instruction and/or data structure.Computer program can comprise instruction, and it contributes to data, data structure, file and/or executable instruction to load and/or copy to secondary storage 584, ROM 586, RAM 588 and/or other nonvolatile memory and the volatile memory of computer system 580.

Under some linguistic context, secondary storage 584, ROM 586 and/or RAM 588 can be called as non-transient computer-readable medium or computer-readable recording medium.Equally, the dynamic ram embodiment of RAM 588 can be called as non-transient computer-readable medium, for example, although because dynamic ram receives electric energy and according to its design operation, open and can be in a period of time of operating period at computing machine 580, dynamic ram storage writes the information on it.Similarly, processor 582 can comprise internal RAM, inner ROM, cache memory and/or other inner non-transient storage block, portion's section or parts, and they can be called as non-transient computer-readable medium or computer-readable recording medium in some linguistic context.

The sequence of the step in provided each process, data stream and process flow diagram is for illustration purpose, and not necessarily embodies the order that each step must be carried out.Each step can rearrange with different order in different embodiment, to reflect demand, expectation and the preference of the entity of implementation system.And in certain embodiments, many steps can be carried out with other step simultaneously.

In addition, without departing from the scope of the disclosure, describe in various embodiments and be depicted as discrete or independent technology, system, subsystem and method can with other system, module, technology or Combination of Methods or integration.Other project that illustrates or discuss as directly connecting each other or communicating by letter can connect by some interfaces or device, make projects can no longer be counted as being directly connected to each other, but still ground connection connects and communicates by letter to each other, no matter and be with electric means, mechanical system or alternate manner.In the situation that not departing from disclosed spirit and scope, other example that those skilled in the art could find and make variation, replace and change.Below the entry of numbering represents the incomplete set of the exemplary embodiment of theme disclosed in this invention:

1. a computer-implemented method, comprising:

Reception & disposal is for the request of the payment transaction of stored value card;

The authorization information of identification described request;

Identify the value token in described stored value card; And

At least a portion of described value token is applied to at least a portion of described request.

2. according to 1 method, also comprise:

Accept checking token to access described stored value card.

3. according to 2 method, wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

4. according to 1 method, wherein said stored value card comprises main wallet and sub-wallet.

5. according to 4 method, also comprise:

At least a portion via described main wallet processes said request.

6. according to 4 method, also comprise:

At least a portion via described sub-wallet processes said request.

7. according to 4 method, wherein said main wallet comprises described value token, and described method also comprises:

Determine that described request is relevant with described main wallet; And

Determine that described value token can meet described request.

8. according to 7 method, at least a portion of wherein applying described value token comprises at least a portion of the described value token of described main wallet is applied to described request.

9. according to 4 method, wherein said sub-wallet comprises described value token, and described method also comprises:

Determine that described request is relevant with described sub-wallet; And

Determine that described value token can meet described request.

10. according to 9 method, at least a portion of wherein applying described value token comprises at least a portion of the described value token of described sub-wallet is applied to described request.

11. according to 4 method, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

12. according to 11 method, also comprises:

A part of determining described request is relevant with described main wallet; And

Another part of determining described request is relevant with described sub-wallet.

13. according to 12 method, also comprises:

At least a portion of the value token of described main wallet is applied to described request; And

At least a portion of the value token of described sub-wallet is applied to described request.

14. according to 8 or 13 method, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

15. according to 10 or 13 method, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

16. according to 4 method, and wherein polymerizer system receives described request, and described method also comprises:

Determine that at least a portion of described request can process in described sub-wallet; And

The described part of described request is sent to third party from described polymerizer system.

17. according to 1 method, and wherein said request comprises: the identify label of point-of-sale terminal; Authorization information; Buy the amount of money; The identify label of described value token publisher; Seller's identify label; The identify label in place; The time of described request; The date of described request; Identify the information of main wallet, sub-wallet or their combination; Transaction data; Verification msg; Or their combination.

18. according to 1 method, wherein said value token comprises the electronic representation of value, the electronic representation of wherein said value comprises credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, commodity or the service of prepayment or forward purchasing, cash, currency, credit card account, debit card account, merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the sales promotion of businessman's distribution is worth, the credit that businessman accepts, the integration that businessman accepts, the sales promotion that businessman accepts is worth, or their combination.

19. according to 18 method, and wherein said value token also comprises the electronic representation with at least two kinds of dissimilar value.

20. according to 1 method, and wherein said value token comprises closed loop account number, and at least a portion of wherein applying described value token comprises the closed loop account that credit or debit are associated with described closed loop account number.

21. according to 1 method, and wherein said value token comprises open loop account number, and at least a portion of wherein applying described value token comprises the open loop account that credit or debit are associated with described open loop account number.

22. according to 1 method, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the priority of described value token to use described value token.

23. according to 22 method, and wherein said priority is based on comprising following Transaction Information variable: the physical location of initiating the retailer of described stored value card request; Trading volume; Retailer's type; Work as Time of Day; What day; Which week of the moon; Year which in month; Initiate the retailer's of described stored value card request department; Initiate the retailer's of described stored value card request passage; Checker's sign; Initiate the retailer's of described stored value card request parent company; Be worth the value of token; The type of described stored value card request; Or their combination.

24. according to 1 method, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the number percent that is worth the described stored value card request that token can be applied to use described value token.

25. according to 1 method, also comprises:

Check the rule being associated with described stored value card.

26. according to 25 method, wherein checks that rule comprises:

Check the priority of described value token.

27. according to 25 method, wherein checks that rule comprises:

Check the number percent of described request;

At least a portion of wherein applying described value token comprises according to described number percent at least a portion of described value token is applied to described request.

28. according to 1 method, wherein said stored value card comprise the value token relevant with closed loop and with open loop relevant value token, described method also comprises:

Select the described value token relevant with closed loop; And

Then select the described value token relevant with open loop.

29. according to 1 method, and wherein said stored value card comprises the value token relevant with open loop, and described method also comprises:

Prevention is applied to described request by the described value token relevant with open loop.

30. according to 1 method, also comprises:

At least a portion of the described value token of described stored value card is exchanged into and is not positioned at least a portion that second in described stored value card is worth token.

31. according to 30 method, also comprises:

Rate of conversion is applied to described second to be worth token or to be arranged in the property of described stored value card.

32. according to 30 method, and at least a portion of wherein exchanging described value token comprises:

Contact second is worth token dealer; And

Ask described the second value token dealer to provide described second to be worth token.

33. according to 1 method, and wherein said stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises described value token, and described method also comprises:

The described value token of described the first sub-wallet is put into described the second sub-wallet.

34. according to 1 method, also comprises:

The described stored value card with described value token is provided.

35. according to 34 method, and wherein said value token provides to be different from the amount of money of purchasing price.

36. according to 34 method, wherein provides described stored value card to comprise by coupon code described value token is encoded.

37. according to 34 method, wherein provides described stored value card to comprise and adds described value token to described stored value card.

38. according to 1 method, and wherein said stored value card comprises the sub-wallet of saving appointment, and described method also comprises:

At least a portion of described value token is put into the sub-wallet of described savings appointment.

39. 1 kinds of computer-implemented methods, comprising:

Determine that described request includes effect authorization information;

Determine that the value token being associated with described stored value card or the combination that is worth token can meet described request; And

40. according to 39 method, also comprises:

Accept checking token to access described stored value card.

41. according to 40 method, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

42. according to 39 method, and wherein said stored value card comprises main wallet and sub-wallet.

43. according to 42 method, also comprises:

At least a portion via described main wallet processes said request.

44. according to 43 method, also comprises:

At least another part via described sub-wallet processes said request.

45. according to 42 method, and wherein said main wallet comprises described value token, and described method also comprises:

Determine that described request is relevant with described main wallet;

At least a portion of wherein applying described value token comprises at least a portion of the described value token of described main wallet is applied to described request.

46. according to 42 method, and wherein said sub-wallet comprises described value token, and described method also comprises:

Determine that described request is relevant with described sub-wallet;

At least a portion of wherein applying described value token comprises at least a portion of the described value token of described sub-wallet is applied to described request.

47. according to 42 method, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

48. according to 47 method, also comprises:

49. according to 48 method, also comprises:

50. according to 45 or 49 method, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

51. according to 46 or 49 method, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

52. according to 42 method, and wherein polymerizer system receives described request, and described method also comprises:

53. 1 kinds of methods for the sub-wallet of electronic purse system, described method comprises:

Request from supplier's reception & disposal of main wallet for the payment transaction of stored value card;

Determine that being worth token can meet described request; And

54. according to 53 method, also comprises:

Determine that described request is relevant with described sub-wallet;

55. according to 53 method, and wherein said sub-wallet comprises son-sub-wallet.

56. according to 55 method, also comprises:

Determine that described request is relevant with described son-sub-wallet; And

At least a portion of wherein applying described value token comprises the described value token of described son-sub-wallet is applied to described request.

57. according to 55 method, also comprises:

A part of determining described request is relevant with described sub-wallet; And

Another part of determining described request is relevant with described son-sub-wallet.

58. according to 55 method, wherein said sub-wallet comprises that two or more are worth token, wherein said sub-wallet comprises that described two or more are worth at least one in tokens, wherein said son-sub-wallet comprise described two or more be worth in tokens at least another.

59. according to 58 method, also comprises:

At least a portion of the value token of described sub-wallet is applied to described request; And

At least a portion of the value token of described son-sub-wallet is applied to described request.

60. according to 54 or 59 method, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

61. according to 56 or 59 method, and the described value token of wherein said son-sub-wallet is applied to described request according to the rule of described son-sub-wallet or described request.

62. 1 kinds of methods for the content of managing electronic wallet, comprising:

Receive the request relevant with stored value card, wherein said request comprises stored value card request, inquiry into balance request, registration request, activation request, redemption request or their combination; And

According to described request, manage the described content of described stored value card.

63. according to 62 method, wherein manages described content and comprises:

At least a portion of the value token of described stored value card is exchanged into and is not positioned at least a portion that second in described stored value card is worth token.

64. according to 63 method, also comprises:

65. according to 63 method, and at least a portion of wherein exchanging described value token comprises:

Contact the described second the second value token dealer who is worth token; And

66. according to 62 method, and wherein said stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises value token, and described method also comprises:

67. according to 62 method, also comprises:

The described stored value card with described value token is provided.

68. according to 67 method, wherein provides described stored value card to comprise and adds described value token to described stored value card.

69. according to 67 method, and wherein said value token provides to be different from the amount of money of purchasing price.

70. according to 67 method, wherein provides described stored value card to comprise by coupon code described value token is encoded.

71. according to 62 method, and wherein said stored value card comprises the sub-wallet of saving appointment, and described method also comprises:

At least a portion that is worth token is put into the sub-wallet of described savings appointment.

72. 1 kinds of non-transient machinable mediums that comprise executable instruction, described executable instruction causes one or more processors when being performed:

The authorization information of identification described request;

Identify the value token in described stored value card; And

73. 1 kinds of non-transient machinable mediums that comprise executable instruction, described executable instruction causes one or more processors when being performed:

Determine that described request includes effect authorization information;

74. 1 kinds of non-transient machinable mediums that comprise executable instruction, described executable instruction causes one or more processors when being performed:

Determine that being worth token can meet described request; And

75. 1 kinds of non-transient machinable mediums that comprise executable instruction, described executable instruction causes one or more processors when being performed:

76. 1 kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

Described storer comprises executable instruction, and described executable instruction causes described one or more processor when being performed:

The authorization information of identification described request;

Identify the value token in described stored value card; And

77. according to 76 system, wherein also makes one or more processors accept checking tokens to access described stored value card.

78. according to 77 system, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

79. according to 76 system, and wherein said stored value card comprises main wallet and sub-wallet.

80. according to 79 system, and wherein said one or more processors are also caused at least a portion via described main wallet processes said request.

81. according to 79 system, and wherein said one or more processors are also caused at least a portion via described sub-wallet processes said request.

82. according to 79 system, and wherein said main wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described main wallet; And

Determine that described value token can meet described request.

83. according to 82 system, and at least a portion of wherein applying described value token comprises at least a portion of the described value token of described main wallet is applied to described request.

84. according to 79 system, and wherein said sub-wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet; And

Determine that described value token can meet described request.

85. according to 84 system, and at least a portion of wherein applying described value token comprises at least a portion of the described value token of described sub-wallet is applied to described request.

86. according to 79 system, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

87. according to 86 system, and wherein said one or more processors are also caused:

88. according to 87 system, also comprises:

89. according to 83 or 88 system, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

90. according to 85 or 88 system, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

91. according to 79 system, and wherein polymerizer system receives described request, and wherein said one or more processors are also caused:

92. according to 76 system, and wherein said request comprises: the identify label of point-of-sale terminal; Authorization information; Buy number; The identify label of described value token publisher; Seller's identify label; The identify label in place; The time of described request; The date of described request; Identify the information of main wallet, sub-wallet or their combination; Transaction data; Verification msg; Or their combination.

93. according to 76 system, wherein said value token comprises the electronic representation of value, the electronic representation of wherein said value comprises credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, commodity or the service of prepayment or forward purchasing, cash, currency, credit card account, debit card account, merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the sales promotion of businessman's distribution is worth, the credit that businessman accepts, the integration that businessman accepts, the sales promotion that businessman accepts is worth, or their combination.

94. according to 93 system, and wherein said value token also comprises the electronic representation with at least two kinds of dissimilar value.

95. according to 76 system, and wherein said value token comprises closed loop account number, and at least a portion of wherein applying described value token comprises the closed loop account that credit or debit are associated with described closed loop account number.

96. according to 76 system, and wherein said value token comprises open loop account number, and at least a portion of wherein applying described value token comprises the open loop account that credit or debit are associated with described open loop account number.

97. according to 76 system, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the priority of described value token to use described value token.

98. according to 97 system, and wherein said priority is based on comprising following Transaction Information variable: the physical location of initiating the retailer of described stored value card request; Dealing money; Retailer's type; Work as Time of Day; What day; Which week of one month; Which of 1 year in the month; Initiate the retailer's of described stored value card request department; Initiate the retailer's of described stored value card request passage (lane); Checker's sign; Initiate the retailer's of described stored value card request parent company; Be worth the value of token; The type of described stored value card request; Or their combination.

99. according to 76 system, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the number percent that is worth the described stored value card request that token can be applied to use described value token.

100. according to 76 system, and wherein said one or more processors are also caused:

Check the rule being associated with described stored value card.

101. according to 100 system, wherein checks that rule comprises:

Check the priority of described value token.

102. according to 100 system, wherein checks that rule comprises:

Check the number percent of described request;

103. according to 76 system, wherein said stored value card comprise the value token relevant with closed loop and with open loop relevant value token, wherein said one or more processors are also caused:

Select the described value token relevant with closed loop; And

Then select the described value token relevant with open loop.

104. according to 76 system, and wherein said stored value card comprises the value token relevant with open loop, and wherein said one or more processors are also caused:

105. according to 76 system, and wherein said one or more processors are also caused:

106. according to 105 system, and wherein said one or more processors are also caused:

107. according to 105 system, and at least a portion of wherein exchanging described value token comprises:

Contact second is worth token dealer; And

108. according to 76 system, and wherein stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises described value token, and wherein said one or more processors are also caused:

109. according to 76 system, and wherein said one or more processors are also caused:

The described stored value card with described value token is provided.

110. according to 109 system, and wherein said value token provides to be different from the amount of money of purchasing price.

111. according to 109 system, wherein provides described stored value card to comprise by coupon code described value token is encoded.

112. according to 109 system, wherein provides described stored value card to comprise and adds described value token to described stored value card.

113. according to 76 system, and wherein said stored value card comprises the sub-wallet of saving appointment, and wherein one or more processors are also caused:

114. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

Determine that described request includes effect authorization information;

115. according to 114 system, and wherein said one or more processors are also caused:

Accept checking token to access described stored value card.

116. according to 115 system, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

117. according to 114 system, and wherein said stored value card comprises main wallet and sub-wallet.

118. according to 117 system, and wherein said one or more processors are also caused:

At least a portion via described main wallet processes said request.

119. according to 118 system, and wherein said one or more processors are also caused:

At least another part via described sub-wallet processes said request.

120. according to 117 system, and wherein said main wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described main wallet;

121. according to 117 system, and wherein said sub-wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet;

122. according to 117 system, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

123. according to 122 system, and wherein said one or more processors are also caused:

124. according to 123 system, also comprises:

125. according to 120 or 124 system, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

126. according to 121 or 124 system, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

127. according to 117 system, and wherein polymerizer system receives described request, and wherein said one or more processors are also caused:

128. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

Determine that being worth token can meet described request; And

129. according to 128 system, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet;

130. according to 128 system, and wherein said sub-wallet comprises son-sub-wallet.

131. according to 130 system, and wherein said one or more processors are also caused:

Determine that described request is relevant with described son-sub-wallet;

132. according to 130 system, and wherein said one or more processors are also caused:

133. according to 130 system, wherein said stored value card comprises that two or more are worth token, wherein said sub-wallet comprises that described two or more are worth at least one in tokens, wherein said son-sub-wallet comprise described two or more be worth in tokens at least another.

134. according to 133 system, also comprises:

135. according to 129 or 134 system, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

136. according to 131 or 134 system, and the described value token of wherein said son-sub-wallet is applied to described request according to the rule of described son-sub-wallet or described request.

137. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

138. according to 137 system, wherein manages described content and comprises:

139. according to 138 system, and wherein said one or more processors are also caused:

140. according to 138 system, and at least a portion of wherein exchanging described value token comprises:

141. according to 137 system, and wherein stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises value token, and wherein said one or more processors are also caused:

142. according to 137 system, and wherein said one or more processors are also caused:

The described stored value card with described value token is provided.

143. according to 142 system, and wherein said value token provides to be different from the number of purchasing price.

144. according to 142 system, wherein provides described stored value card to comprise by coupon code described value token is encoded.

145. according to 142 system, wherein provides described stored value card to comprise and adds described value token to described stored value card.

146. according to 137 system, and wherein said stored value card comprises the sub-wallet of saving appointment, and wherein one or more processors are also caused:

147. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

The authorization information of identification described request;

Identify the value token in described stored value card; And

148. according to 147 system, and wherein one or more processors are also caused accepts checking token to access described stored value card.

149. according to 148 system, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

150. according to 149 system, and wherein said stored value card comprises main wallet and sub-wallet.

151. according to 150 system, and wherein said one or more processors are also caused at least a portion via described main wallet processes said request.

152. according to 151 system, and wherein said one or more processors are also caused at least a portion via described sub-wallet processes said request.

153. according to 152 system, and wherein said main wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described main wallet; And

Determine that described value token can meet described request.

154. according to 153 system, and at least a portion of wherein applying described value token comprises at least a portion of the described value token of described main wallet is applied to described request.

155. according to 154 system, and wherein said sub-wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet; And

Determine that described value token can meet described request.

156. according to 155 system, and at least a portion of wherein applying described value token comprises at least a portion of the described value token of described sub-wallet is applied to described request.

157. according to 156 system, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

158. according to 157 system, and wherein said one or more processors are also caused:

159. according to 158 system, and wherein said one or more processors are also caused:

160. according to 159 system, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet.

161. according to 159 system, and the described value token of wherein said main wallet is applied to described request according to the rule of described request.

162. according to 159 system, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet.

163. according to 159 system, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described request.

164. according to 159 system, and wherein polymerizer system receives described request, and wherein said one or more processors are also caused:

165. according to 164 system, and wherein said request comprises: the identify label of point-of-sale terminal; Authorization information; Buy the amount of money; The identify label of described value token publisher; Seller's identify label; The identify label in place; The time of described request; The date of described request; Identify the information of main wallet, sub-wallet or their combination; Transaction data; Verification msg; Or their combination.

166. according to 165 system, wherein said value token comprises the electronic representation of value, the electronic representation of wherein said value comprises credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, commodity or the service of prepayment or forward purchasing, cash, currency, credit card account, debit card account, merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the sales promotion of businessman's distribution is worth, the credit that businessman accepts, the integration that businessman accepts, the sales promotion that businessman accepts is worth, or their combination.

167. according to 166 system, and wherein said value token also comprises the electronic representation with at least two kinds of dissimilar value.

168. according to 167 system, and wherein said value token comprises closed loop account number, and at least a portion of wherein applying described value token comprises the closed loop account that credit or debit are associated with described closed loop account number.

169. according to 168 system, and wherein said value token comprises open loop account number, and at least a portion of wherein applying described value token comprises the open loop account that credit or debit are associated with described open loop account number.

170. according to 169 system, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the priority of described value token to use described value token.

171. according to 170 system, and wherein said priority is based on comprising following Transaction Information variable: the physical location of initiating the retailer of described stored value card request; Trading volume; Retailer's type; Work as Time of Day; What day; Which week in a middle of the month; Which in 1 year in month; Initiate the retailer's of described stored value card request department; Initiate the retailer's of described stored value card request passage; Checker's sign; Initiate the retailer's of described stored value card request parent company; Be worth the value of token; The type of described stored value card request; Or their combination.

172. according to 171 system, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the number percent that is worth the described stored value card request that token can be applied to use described value token.

173. according to 172 system, and wherein said one or more processors are also caused:

Check the rule being associated with described stored value card.

174. according to 173 system, wherein checks that rule comprises:

Check the priority of described value token.

175. according to 174 system, wherein checks that rule comprises:

Check the number percent of described request;

176. according to 175 system, wherein said stored value card comprise the value token relevant with closed loop and with open loop relevant value token, wherein said one or more processors are also caused:

Select the described value token relevant with closed loop; And

Then select the described value token relevant with open loop.

177. according to 176 system, and wherein said stored value card comprises the value token relevant with open loop, and wherein said one or more processors are also caused:

178. according to 177 system, and wherein said one or more processors are also caused:

179. according to 178 system, and wherein said one or more processors are also caused:

180. according to 179 system, and at least a portion of wherein exchanging described value token comprises:

Contact second is worth token dealer; And

181. according to 180 system, and wherein stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises described value token, and wherein said one or more processors are also caused:

182. according to 181 system, and wherein said one or more processors are also caused:

Described value token is provided to described stored value card.

183. according to 182 system, and wherein said value token provides to be different from the amount of money of purchasing price.

184. according to 183 system, wherein provides described stored value card to comprise by coupon code described value token is encoded.

185. according to 184 system, wherein provides described stored value card to comprise and adds described value token to described stored value card.

186. according to 185 system, and wherein said stored value card comprises the sub-wallet of saving appointment, and wherein one or more processors are also caused:

The electronic value token transactions disposal system that allows user to buy, redeem and/or exchange the electronic value token that is arranged in stored value card has been described herein.Those skilled in the art will be apparent, can in the situation that not departing from spirit and scope of the present disclosure, carry out various modifications.Described embodiment is only representational, and is not intended as restrictive.Many modification, combination and the modification of application disclosed herein is possible and in the scope of the present disclosure.Therefore, protection domain is not subject to the restriction of the instructions of above elaboration, but defined by the appended claims, and this scope comprises all equivalents of the theme of claim.

Claims

1. a computer-implemented method, comprising:

The authorization information of identification described request;

Identify the value token in described stored value card; And

2. method according to claim 1, also comprises:

Accept checking token to access described stored value card.

3. method according to claim 2, wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

4. method according to claim 1, wherein said stored value card comprises main wallet and sub-wallet.

5. method according to claim 4, also comprises:

At least a portion via described main wallet processes said request.

6. method according to claim 4, also comprises:

At least a portion via described sub-wallet processes said request.

7. method according to claim 4, wherein said main wallet comprises described value token, described method also comprises:

Determine that described request is relevant with described main wallet; And

Determine that described value token can meet described request.

8. method according to claim 7, at least a portion of wherein applying described value token comprises at least a portion of the described value token of described main wallet is applied to described request.

9. method according to claim 4, wherein said sub-wallet comprises described value token, described method also comprises:

Determine that described request is relevant with described sub-wallet; And

Determine that described value token can meet described request.

10. method according to claim 9, at least a portion of wherein applying described value token comprises at least a portion of the described value token of described sub-wallet is applied to described request.

11. methods according to claim 4, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

12. methods according to claim 11, also comprise:

13. methods according to claim 12, also comprise:

Method described in 14. according to Claim 8 or 13, the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

15. according to the method described in claim 10 or 13, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

16. methods according to claim 4, wherein polymerizer system receives described request, and described method also comprises:

17. methods according to claim 1, wherein said request comprises: the identify label of point-of-sale terminal; Authorization information; Buy the amount of money; The identify label of described value token publisher; Seller's identify label; The identify label in place; The time of described request; The date of described request; Identify the information of main wallet, sub-wallet or their combination; Transaction data; Verification msg; Or their combination.

18. methods according to claim 1, wherein said value token comprises the electronic representation of value, the electronic representation of wherein said value comprises credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, commodity or the service of prepayment or forward purchasing, cash, currency, credit card account, debit card account, merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the sales promotion of businessman's distribution is worth, the credit that businessman accepts, the integration that businessman accepts, the sales promotion that businessman accepts is worth, or their combination.

19. methods according to claim 18, wherein said value token also comprises the electronic representation with at least two kinds of dissimilar value.

20. methods according to claim 1, wherein said value token comprises closed loop account number, at least a portion of wherein applying described value token comprises the closed loop account that credit or debit are associated with described closed loop account number.

21. methods according to claim 1, wherein said value token comprises open loop account number, at least a portion of wherein applying described value token comprises the open loop account that credit or debit are associated with described open loop account number.

22. methods according to claim 1, at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the priority of described value token to use described value token.

23. methods according to claim 22, wherein said priority is based on comprising following Transaction Information variable: the physical location of initiating the retailer of described stored value card request; Trading volume; Retailer's type; Work as Time of Day; What day; Which week of the moon; Year which in month; Initiate the retailer's of described stored value card request department; Initiate the retailer's of described stored value card request passage; Checker's sign; Initiate the retailer's of described stored value card request parent company; Be worth the value of token; The type of described stored value card request; Or their combination.

24. methods according to claim 1, at least a portion of wherein applying described value token comprises according to one group of the number percent of the described stored value card request of specifying value token to be applied to configurable rule uses described value token.

25. methods according to claim 1, also comprise:

Check the rule being associated with described stored value card.

26. methods according to claim 25, wherein check that rule comprises:

Check the priority of described value token.

27. methods according to claim 25, wherein check that rule comprises:

Check the number percent of described request;

28. methods according to claim 1, wherein said stored value card comprise the value token relevant with closed loop and with open loop relevant value token, described method also comprises:

Select the described value token relevant with closed loop; And

Then select the described value token relevant with open loop.

29. methods according to claim 1, wherein said stored value card comprises the value token relevant with open loop, described method also comprises:

30. methods according to claim 1, also comprise:

31. methods according to claim 30, also comprise:

32. methods according to claim 30, at least a portion of wherein exchanging described value token comprises:

Contact second is worth token dealer; And

33. methods according to claim 1, wherein said stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises described value token, and described method also comprises:

34. methods according to claim 1, also comprise:

The described stored value card with described value token is provided.

35. methods according to claim 34, wherein said value token provides to be different from the amount of money of purchasing price.

36. methods according to claim 34, wherein provide described stored value card to comprise by coupon code described value token are encoded.

37. methods according to claim 34, wherein provide described stored value card to comprise and add described value token to described stored value card.

38. methods according to claim 1, wherein said stored value card comprises the sub-wallet of saving appointment, described method also comprises:

39. 1 kinds of computer-implemented methods, comprising:

Determine that described request includes effect authorization information;

40. according to the method described in claim 39, also comprises:

Accept checking token to access described stored value card.

41. according to the method described in claim 40, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

42. according to the method described in claim 39, and wherein said stored value card comprises main wallet and sub-wallet.

43. according to the method described in claim 42, also comprises:

At least a portion via described main wallet processes said request.

44. according to the method described in claim 43, also comprises:

At least another part via described sub-wallet processes said request.

45. according to the method described in claim 42, and wherein said main wallet comprises described value token, and described method also comprises:

Determine that described request is relevant with described main wallet;

46. according to the method described in claim 42, and wherein said sub-wallet comprises described value token, and described method also comprises:

Determine that described request is relevant with described sub-wallet;

47. according to the method described in claim 42, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

48. according to the method described in claim 47, also comprises:

49. according to the method described in claim 48, also comprises:

50. according to the method described in claim 45 or 49, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

51. according to the method described in claim 46 or 49, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

52. according to the method described in claim 42, and wherein polymerizer system receives described request, and described method also comprises:

Determine that being worth token can meet described request; And

54. according to the method described in claim 53, also comprises:

Determine that described request is relevant with described sub-wallet;

55. according to the method described in claim 53, and wherein said sub-wallet comprises son-sub-wallet.

56. according to the method described in claim 55, also comprises:

Determine that described request is relevant with described son-sub-wallet; And

57. according to the method described in claim 55, also comprises:

58. according to the method described in claim 55, wherein said sub-wallet comprises that two or more are worth token, wherein said sub-wallet comprises that described two or more are worth at least one in tokens, wherein said son-sub-wallet comprise described two or more be worth in tokens at least another.

59. according to the method described in claim 58, also comprises:

60. according to the method described in claim 54 or 59, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

61. according to the method described in claim 56 or 59, and the described value token of wherein said son-sub-wallet is applied to described request according to the rule of described son-sub-wallet or described request.

63. according to the method described in claim 62, wherein manages described content and comprises:

64. according to the method described in claim 63, also comprises:

65. according to the method described in claim 63, and at least a portion of wherein exchanging described value token comprises:

66. according to the method described in claim 62, and wherein said stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises value token, and described method also comprises:

67. according to the method described in claim 62, also comprises:

The described stored value card with described value token is provided.

68. according to the method described in claim 67, wherein provides described stored value card to comprise and adds described value token to described stored value card.

69. according to the method described in claim 67, and wherein said value token provides to be different from the amount of money of purchasing price.

70. according to the method described in claim 67, wherein provides described stored value card to comprise by coupon code described value token is encoded.

71. according to the method described in claim 62, and wherein said stored value card comprises the sub-wallet of saving appointment, and described method also comprises:

The authorization information of identification described request;

Identify the value token in described stored value card; And

Determine that described request includes effect authorization information;

Determine that being worth token can meet described request; And

76. 1 kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

The authorization information of identification described request;

Identify the value token in described stored value card; And

77. according to the system described in claim 76, wherein also makes one or more processors accept checking token to access described stored value card.

78. according to the system described in claim 77, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

79. according to the system described in claim 76, and wherein said stored value card comprises main wallet and sub-wallet.

80. according to the system described in claim 79, and wherein said one or more processors are also caused at least a portion via described main wallet processes said request.

81. according to the system described in claim 79, and wherein said one or more processors are also caused at least a portion via described sub-wallet processes said request.

82. according to the system described in claim 79, and wherein said main wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described main wallet; And

Determine that described value token can meet described request.

83. systems described in 2 according to Claim 8, at least a portion of wherein applying described value token comprises at least a portion of the described value token of described main wallet is applied to described request.

84. according to the system described in claim 79, and wherein said sub-wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet; And

Determine that described value token can meet described request.

85. systems described in 4 according to Claim 8, at least a portion of wherein applying described value token comprises at least a portion of the described value token of described sub-wallet is applied to described request.

86. according to the system described in claim 79, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

87. systems described in 6 according to Claim 8, wherein said one or more processors are also caused:

88. systems described in 7 according to Claim 8, also comprise:

89. systems described in 3 or 88 according to Claim 8, the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

90. systems described in 5 or 88 according to Claim 8, the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

91. according to the system described in claim 79, and wherein polymerizer system receives described request, and wherein said one or more processors are also caused:

92. according to the system described in claim 76, and wherein said request comprises: the identify label of point-of-sale terminal; Authorization information; Buy number; The identify label of described value token publisher; Seller's identify label; The identify label in place; The time of described request; The date of described request; Identify the information of main wallet, sub-wallet or their combination; Transaction data; Verification msg; Or their combination.

93. according to the system described in claim 76, wherein said value token comprises the electronic representation of value, the electronic representation of wherein said value comprises credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, commodity or the service of prepayment or forward purchasing, cash, currency, credit card account, debit card account, merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the sales promotion of businessman's distribution is worth, the credit that businessman accepts, the integration that businessman accepts, the sales promotion that businessman accepts is worth, or their combination.

94. according to the system described in claim 93, and wherein said value token also comprises the electronic representation with at least two kinds of dissimilar value.

95. according to the system described in claim 76, and wherein said value token comprises closed loop account number, and at least a portion of wherein applying described value token comprises the closed loop account that credit or debit are associated with described closed loop account number.

96. according to the system described in claim 76, and wherein said value token comprises open loop account number, and at least a portion of wherein applying described value token comprises the open loop account that credit or debit are associated with described open loop account number.

97. according to the system described in claim 76, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the priority of described value token to use described value token.

98. according to the system described in claim 97, and wherein said priority is based on comprising following Transaction Information variable: the physical location of initiating the retailer of described stored value card request; Dealing money; Retailer's type; Work as Time of Day; What day; Which week of one month; Which of 1 year in the month; Initiate the retailer's of described stored value card request department; Initiate the retailer's of described stored value card request passage (lane); Checker's sign; Initiate the retailer's of described stored value card request parent company; Be worth the value of token; The type of described stored value card request; Or their combination.

99. according to the system described in claim 76, and at least a portion of wherein applying described value token comprises according to one group of the number percent of the described stored value card request of specifying value token to be applied to configurable rule uses described value token.

100. according to the system described in claim 76, and wherein said one or more processors are also caused:

Check the rule being associated with described stored value card.

101. according to the system described in claim 100, wherein checks that rule comprises:

Check the priority of described value token.

102. according to the system described in claim 100, wherein checks that rule comprises:

Check the number percent of described request;

103. according to the system described in claim 76, wherein said stored value card comprise the value token relevant with closed loop and with open loop relevant value token, wherein said one or more processors are also caused:

Select the described value token relevant with closed loop; And

Then select the described value token relevant with open loop.

104. according to the system described in claim 76, and wherein said stored value card comprises the value token relevant with open loop, and wherein said one or more processors are also caused:

105. according to the system described in claim 76, and wherein said one or more processors are also caused:

106. according to the system described in claim 105, and wherein said one or more processors are also caused:

107. according to the system described in claim 105, and at least a portion of wherein exchanging described value token comprises:

Contact second is worth token dealer; And

108. according to the system described in claim 76, and wherein stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises described value token, and wherein said one or more processors are also caused:

109. according to the system described in claim 76, and wherein said one or more processors are also caused:

The described stored value card with described value token is provided.

110. according to the system described in claim 109, and wherein said value token provides to be different from the amount of money of purchasing price.

111. according to the system described in claim 109, wherein provides described stored value card to comprise by coupon code described value token is encoded.

112. according to the system described in claim 109, wherein provides described stored value card to comprise and adds described value token to described stored value card.

113. according to the system described in claim 76, and wherein said stored value card comprises the sub-wallet of saving appointment, and wherein one or more processors are also caused:

114. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

Determine that described request includes effect authorization information;

115. according to the system described in claim 114, and wherein said one or more processors are also caused:

Accept checking token to access described stored value card.

116. according to the system described in claim 115, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

117. according to the system described in claim 114, and wherein said stored value card comprises main wallet and sub-wallet.

118. according to the system described in claim 117, and wherein said one or more processors are also caused:

At least a portion via described main wallet processes said request.

119. according to the system described in claim 118, and wherein said one or more processors are also caused:

At least another part via described sub-wallet processes said request.

120. according to the system described in claim 117, and wherein said main wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described main wallet;

121. according to the system described in claim 117, and wherein said sub-wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet;

122. according to the system described in claim 117, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

123. according to the system described in claim 122, and wherein said one or more processors are also caused:

124. according to the system described in claim 123, also comprises:

125. according to the system described in claim 120 or 124, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet or described request.

126. according to the system described in claim 121 or 124, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

127. according to the system described in claim 117, and wherein polymerizer system receives described request, and wherein said one or more processors are also caused:

128. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

Determine that being worth token can meet described request; And

129. according to the system described in claim 128, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet;

130. according to the system described in claim 128, and wherein said sub-wallet comprises son-sub-wallet.

131. according to the system described in claim 130, and wherein said one or more processors are also caused:

Determine that described request is relevant with described son-sub-wallet;

132. according to the system described in claim 130, and wherein said one or more processors are also caused:

133. according to the system described in claim 130, wherein said stored value card comprises that two or more are worth token, wherein said sub-wallet comprises that described two or more are worth at least one in tokens, wherein said son-sub-wallet comprise described two or more be worth in tokens at least another.

134. according to the system described in claim 133, also comprises:

135. according to the system described in claim 129 or 134, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet or described request.

136. according to the system described in claim 131 or 134, and the described value token of wherein said son-sub-wallet is applied to described request according to the rule of described son-sub-wallet or described request.

137. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

138. according to the system described in claim 137, wherein manages described content and comprises:

139. according to the system described in claim 138, and wherein said one or more processors are also caused:

140. according to the system described in claim 138, and at least a portion of wherein exchanging described value token comprises:

141. according to the system described in claim 137, and wherein stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises value token, and wherein said one or more processors are also caused:

142. according to the system described in claim 137, and wherein said one or more processors are also caused:

The described stored value card with described value token is provided.

143. according to the system described in claim 142, and wherein said value token provides to be different from the number of purchasing price.

144. according to the system described in claim 142, wherein provides described stored value card to comprise by coupon code described value token is encoded.

145. according to the system described in claim 142, wherein provides described stored value card to comprise and adds described value token to described stored value card.

146. according to the system described in claim 137, and wherein said stored value card comprises the sub-wallet of saving appointment, and wherein one or more processors are also caused:

147. one kinds of systems, comprising:

One or more processors;

Storer, it is connected at least one in described one or more processor;

The authorization information of identification described request;

Identify the value token in described stored value card; And

148. according to the system described in claim 147, and wherein one or more processors are also caused accepts checking token to access described stored value card.

149. according to the system described in claim 148, and wherein said authorization information is based on described checking token, and wherein said checking token comprises proxy card, mobile device, password, bio-identification identifier or their combination.

150. according to the system described in claim 149, and wherein said stored value card comprises main wallet and sub-wallet.

151. according to the system described in claim 150, and wherein said one or more processors are also caused at least a portion via described main wallet processes said request.

152. according to the system described in claim 151, and wherein said one or more processors are also caused at least a portion via described sub-wallet processes said request.

153. according to the system described in claim 152, and wherein said main wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described main wallet; And

Determine that described value token can meet described request.

154. according to the system described in claim 153, and at least a portion of wherein applying described value token comprises at least a portion of the described value token of described main wallet is applied to described request.

155. according to the system described in claim 154, and wherein said sub-wallet comprises described value token, and wherein said one or more processors are also caused:

Determine that described request is relevant with described sub-wallet; And

Determine that described value token can meet described request.

156. according to the system described in claim 155, and at least a portion of wherein applying described value token comprises at least a portion of the described value token of described sub-wallet is applied to described request.

157. according to the system described in claim 156, wherein said stored value card comprises that two or more are worth token, wherein said main wallet comprises that described two or more are worth at least one in tokens, wherein said sub-wallet comprise described two or more be worth in tokens at least another.

158. according to the system described in claim 157, and wherein said one or more processors are also caused:

159. according to the system described in claim 158, and wherein said one or more processors are also caused:

160. according to the system described in claim 159, and the described value token of wherein said main wallet is applied to described request according to the rule of described main wallet.

161. according to the system described in claim 159, and the described value token of wherein said main wallet is applied to described request according to the rule of described request.

162. according to the system described in claim 159, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described sub-wallet.

163. according to the system described in claim 159, and the described value token of wherein said sub-wallet is applied to described request according to the rule of described request.

164. according to the system described in claim 159, and wherein polymerizer system receives described request, and wherein said one or more processors are also caused:

165. according to the system described in claim 164, and wherein said request comprises: the identify label of point-of-sale terminal; Authorization information; Buy the amount of money; The identify label of described value token publisher; Seller's identify label; The identify label in place; The time of described request; The date of described request; Identify the information of main wallet, sub-wallet or their combination; Transaction data; Verification msg; Or their combination.

166. according to the system described in claim 165, wherein said value token comprises the electronic representation of value, the electronic representation of wherein said value comprises credit card, debit card, Gift Card, prepaid telephone card, loyalty card, member card, ticket or ticket card, recreation card, sports cards, prepaid card, reward voucher, admission card, commodity or the service of prepayment or forward purchasing, cash, currency, credit card account, debit card account, merchant account, bank account, the credit of businessman's distribution, the integration of businessman's distribution, the sales promotion of businessman's distribution is worth, the credit that businessman accepts, the integration that businessman accepts, the sales promotion that businessman accepts is worth, or their combination.

167. according to the system described in claim 166, and wherein said value token also comprises the electronic representation with at least two kinds of dissimilar value.

168. according to the system described in claim 167, and wherein said value token comprises closed loop account number, and at least a portion of wherein applying described value token comprises the closed loop account that credit or debit are associated with described closed loop account number.

169. according to the system described in claim 168, and wherein said value token comprises open loop account number, and at least a portion of wherein applying described value token comprises the open loop account that credit or debit are associated with described open loop account number.

170. according to the system described in claim 169, and at least a portion of wherein applying described value token comprises according to specifying one group of configurable rule of the priority of described value token to use described value token.

171. according to the system described in claim 170, and wherein said priority is based on comprising following Transaction Information variable: the physical location of initiating the retailer of described stored value card request; Trading volume; Retailer's type; Work as Time of Day; What day; Which week in a middle of the month; Which in 1 year in month; Initiate the retailer's of described stored value card request department; Initiate the retailer's of described stored value card request passage; Checker's sign; Initiate the retailer's of described stored value card request parent company; Be worth the value of token; The type of described stored value card request; Or their combination.

172. according to the system described in claim 171, and at least a portion of wherein applying described value token comprises according to one group of the number percent of the described stored value card request of specifying value token to be applied to configurable rule uses described value token.

173. according to the system described in claim 172, and wherein said one or more processors are also caused:

Check the rule being associated with described stored value card.

174. according to the system described in claim 173, wherein checks that rule comprises:

Check the priority of described value token.

175. according to the system described in claim 174, wherein checks that rule comprises:

Check the number percent of described request;

176. according to the system described in claim 175, wherein said stored value card comprise the value token relevant with closed loop and with open loop relevant value token, wherein said one or more processors are also caused:

Select the described value token relevant with closed loop; And

Then select the described value token relevant with open loop.

177. according to the system described in claim 176, and wherein said stored value card comprises the value token relevant with open loop, and wherein said one or more processors are also caused:

178. according to the system described in claim 177, and wherein said one or more processors are also caused:

179. according to the system described in claim 178, and wherein said one or more processors are also caused:

180. according to the system described in claim 179, and at least a portion of wherein exchanging described value token comprises:

Contact second is worth token dealer; And

181. according to the system described in claim 180, and wherein stored value card comprises the first sub-wallet and the second sub-wallet, and wherein said the first sub-wallet comprises described value token, and wherein said one or more processors are also caused:

182. according to the system described in claim 181, and wherein said one or more processors are also caused:

Described value token is provided to described stored value card.

183. according to the system described in claim 182, and wherein said value token provides to be different from the amount of money of purchasing price.

184. according to the system described in claim 183, wherein provides described stored value card to comprise by coupon code described value token is encoded.

185. according to the system described in claim 184, wherein provides described stored value card to comprise and adds described value token to described stored value card.

186. according to the system described in claim 185, and wherein said stored value card comprises the sub-wallet of saving appointment, and wherein one or more processors are also caused: