CN101351820A - 货币划拨系统和方法 - Google Patents

货币划拨系统和方法 Download PDF

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CN101351820A
CN101351820A CNA2006800446995A CN200680044699A CN101351820A CN 101351820 A CN101351820 A CN 101351820A CN A2006800446995 A CNA2006800446995 A CN A2006800446995A CN 200680044699 A CN200680044699 A CN 200680044699A CN 101351820 A CN101351820 A CN 101351820A
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money transfer
pin
transmit leg
client
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A·G·汉娜
K·L·汉森
D·A·塞弗特
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Western Union Co
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    • G06Q20/00—Payment architectures, schemes or protocols
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    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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    • G06Q20/209—Specified transaction journal output feature, e.g. printed receipt or voice output
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards
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    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
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    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines

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Abstract

一种使用在零售场所购买的货币划拨券的货币划拨系统。该系统包括POS终端用于输入券上带有的UPC码。POS终端根据UPC码发放PIN(132)，这个PIN(132)利用PIN(132)来从货币划拨主机获得跟所述划拨交易记录相联系的货币划拨控制号(MTCN)(134)。

Description

货币划拨系统和方法
对相关申请的交叉引用
本申请与2005年5月18日递交的第11/132,710号美国专利申请有关，在这里将它引入作为参考。
关于联邦资助研究或开发中作出的发明的权利的声明
不适用
对利用光盘提交的“序列表”、表格或计算机程序列表附录的引用
不适用
背景技术
笼统地说，本发明涉及货币划拨领域。具体而言，本发明涉及能够在零售场所购买以便进行货币划拨交易的券。
目前的货币划拨程序一般都要求一个人走到货币划拨场所，例如西联办事处，将各种个人信息交给客服代表。这些个人信息可能包括发送方和接收方的名称和地址，身份证明，以及要划拨的金额。将这些信息输入货币划拨系统，用于创建货币划拨记录。发送方交付要划拨的货币后，发送方将这一划拨情况通知接收方。接下来，接收方通常是到另一个货币划拨场所，例如另一个西联场所，去取出货币。在取出货币之前，可能需要接收方提供货币划拨数量信息和/或身份证明。
现在的程序常常使得一些客户不愿意使用货币划拨系统。利用货币划拨系统频繁发送货币的人发现他们需要频繁地去货币划拨办事处或场所。每次都需要发送方在存款时刻提供个人信息给客服代表。即使一个人不是频繁地发送货币，划拨货币也是一种负担，因为客户必须首先找到货币划拨场所，然后花时间去货币划拨办事处，并提供必要的个人信息。
发明内容
根据本发明的实施例，提供方法和系统用来提供货币划拨券，可以在零售场所购买这些货币划拨券，在购买时在POS终端处发放个人标识符(例如PIN)，以便以后完成货币划拨请求。
在一个实施例中，一种方法包括在所述零售场所的POS终端处从货币划拨券输入产品信息，并且响应所述产品信息的输入，在所述POS终端处根据所述货币划拨券单独发放PIN，从而在购买之前券上没有任何PIN。为了完成货币划拨请求，在后来将货币划拨信息和PIN一起提供给货币划拨主机系统。主机系统响应所述货币划拨信息和PIN将控制标识符，例如货币划拨控制号(MTCN)，提供给发送方。发送方随后提供MTCN给接收方用于接收划拨的货币。
附图说明
图1A、1B和1C分别是本发明一个实施例中货币划拨券的正视图、后视图和里视图；
图2说明利用图1A～1C所示货币划拨券划拨货币的系统；
图3简要说明数据库用来储存PIN的数据库，这些PIN跟图1A～1C所示货币划拨券一起使用；
图4是说明图2所示系统工作过程的流程图；
图5和6说明图4所示流程图中的可选步骤；以及
图7说明提供给客户的收据，其中还示出了购买货币划拨券以后发放的PIN。
具体实施方式
除了其它事情以外，本发明提供系统和方法用于方便地划拨货币，而不需要发送方去寻找货币划拨办事处。可以跟在这个零售场所购买的任何其它商品一起，通过在零售场所购买货币划拨券，来开始货币划拨。作为一个实例，可以在零售杂货店的结帐通道附近展示货币划拨券进行销售，使得购买杂货的人能够方便地选择货币划拨券，在结帐时将它跟其它购买商品/杂货商品一起提供给收银员来购买。客户不必去另外的场所或者去货币划拨代表来购买这种货币划拨券。购买这种券不需要向收银员提供任何个人信息，将券的价格直接加到在商店购买的所有商品的总价之上即可。
应当明白，在这里是在最广的意义上使用术语“券”，可以将券实现为许多不同的有形和无形形式。例如，它可以包括(但不限于)一张纸、折叠卡形的结构(如图1A～1C所示)、包裹、智能卡、票，以及客户能够选择，并且能够承载产品信息(下面将说明)，用来标识这种券，以便在POS终端购买的任何其它有形商品。还可以将它实现为虚拟的和无形形式，例如在零售场所显示给客户的产品信息，客户取得这些信息，然后提交给POS终端来进行购买。
在一个实施例中，每张货币划拨券都有一个显示面值或面额，比方说25美元，因此选择这张券的时候，客户知道购买价格。服务费或货币划拨费也可以显示在这张券上，将它加到面值上得到购买总价。这种券上有产品标识(ID)信息或数据，例如UPC码，可以在POS终端扫描和读取。可以采用其它形式的产品ID，例如SKU，印上去的产品号，等等，收银员可以在POS终端将它们人工输入，也可以将产品ID数据以电子方式储存在能够在POS终端读取的磁条或智能卡芯片上。这种券还可以结合能够以电子形式发射产品数据的RFID(射频标识)设备。这些实例中每一个里的产品数据都表明这是一种什么产品以及它的购买价格，从而能够例如，跟在商店里购买的所有其它商品一起，将货币划拨券的说明(及其价格)印在收据上。
为了使客户能够在以后完成货币划拨，在购买券的时候要提供个人标识符。在一些实施例中，个人标识符是印在收据上(或者单独印在另一份文件上)的PIN(个人识别号)，客户可以在以后，在客户方便的时间和地点，使用收据(或文件)来让货币划拨系统收集个人信息，以便完成货币划拨请求。显然，个人标识符或PIN可以是任意的独一无二标识符(例如一串数字、字母或其它字符)或一组标识符。
发送方的货币划拨请求可以用多种不同方式来履行，以方便客户。在一些实施例中，可以在以后(在购买了这种券以后)由客户用电话(例如从客户的家里)打电话给货币划拨提供商，并且仅仅将PIN和必要的个人信息(例如发送方名称、接收方名称、提取场所(比如城市、州或国家)等等)交给客服代表来完成。除了其它可能性以外，这一电话还可以由自动交互式语音响应(IVR)系统来处理，利用电话的小键盘和/或语音响应，来提供PIN和必需的任何其它个人信息。在其它实施例中，客户(发送方)可以使用个人计算机、PDA、无线电话、具有电话功能的WAP(无线应用协议)或者其它终端，在货币划拨提供商运营的互联网网站输入必要的信息。在另外一些实施例中，还可以在公共场所的自助终端(例如ATM)输入个人信息。当然，也可以亲自在货币划拨办事处提交个人信息。
在客户已经在购买的时候得到了PIN的实施例中，这个PIN使得货币划拨系统能够在以后提供个人信息并完成货币划拨请求时鉴别客户以及这个客户购买货币划拨券的情况。
在本发明的一些实施例中，(完成货币划拨请求时)为客户提供方式来方便接收方接收货币。这可以通过利用控制标识符来实现，例如利用货币划拨控制号(MTCN)，在将PIN和个人信息提供给货币划拨系统以后将这个MTCN提供给发送方。跟PIN的情况一样，MTCN也可以是任何独一无二的标识符(例如一串数字、字母或其它字符)，也可以是一组标识符(例如可以组合起来一起给出独一无二标识符的那些)。货币划拨系统为发送方产生MTCN，用来在发送方通知接收方可以去提取货币的时候提供给接收方。当接收方随后去货币划拨场所提取划拨的货币时，利用MTCN能够在货币划拨场所方便地自动提取划拨记录(例如包括接收方名称和划拨的金额)，将现金支付给收款人。
在一些实施例中，客户在零售场所购买的货币划拨券支持PIN和MTCN。例如，这种券的构造使得在收到PIN时(不论是印在收据上还是在POS终端上用某种其它方式提供给客户)，客户可以将这个PIN记录在券上一般能够对他人保密的位置。同样，当同一个客户联系货币划拨提供商或系统来完成划拨请求，并接收MTCN时，也可以将这个号码记录在券上从而一般能够对他人保密，以便被未授权人发现并被使用的风险降到最低。
参考图1A、1B和1C，其中画出了一张示例性的货币划拨券100。可以在零售场所将券100展示出来销售，例如在杂货店、便利店、加油站、百货商店等等。这种券100能够在任何方便的零售场所销售，客户能够去购买，使得客户不必去寻找并专门去一趟专门的货币划拨办事处/站，也不必按照存钱供划拨的传统程序进行。
券的正面102(图1A)有一个面值(例如25美元)，印在醒目位置104，还有用来包括在购买价格中的服务费(服务费是货币划拨系统用来提供货币划拨服务所收取的费用)。券的正面还可以包括一个标志106，以及任何其它宣传或有用信息(或图画)，供客户在选择券100的时候看。
券的背面108(图1B)有简单的说明/解释109，供购买人在购买券的时候看(熟悉如何使用券)，还有标志106(或其它宣传信息)以及UPC码110。零售商店的收银员可以在POS终端用光学扫描仪读取UPC码，以便以电子方式提取产品信息或标识，包括定价信息。
槽120用于在零售店将券100挂在J形挂钩之类上，方便展示给客户。显然，可以展示这些券，使客户能够选择具有不同面额或面值(25美元、50美元、100美元等)的券。UPC码110将对应于券的面值，从而在扫描了UPC码以后，POS终端就知道了正确的面值(和服务费)。在一些实施例中，这种券可以没有面值，而是在购买券的时候，由客户选择任意值载入其中。在这种情况下，收银员不仅扫描UPC码110，POS终端还会提醒他输入客户选择的金额来载入券。然后收银员从客户那里收取购买费用(载入值加上服务费)。
在图1C中画出了券100的里面121，可以看到，券有两个部分(上部124和下部126，如图1C所示)，在折线128处连接。折叠起来时，券具有图1A和1B所示的外观，打开时(例如露出券的里面)，它具有图1C的外观。打开券露出图1C所示的里面时，券上有更加详细的说明130，供客户在购买后使用，包括帮助购买人用来完成划拨请求以及让接收方(例如在货币划拨办事处)用来接收现金。券的里面还有PIN记录位置132、MTCN记录位置134以及空白处136、138供填写交易日期和客户想要划拨给接收方的金额(购买的是大面值券时，购买人可以选择一开始只划拨面值的一部分，以后划拨其余部分给同一个接收方或不同接收方)。如果不是一次划拨全部面值，尽管图中没有说明，这种券还可以有空白处用于记录其它MTCN、交易日期和接收金额来方便即时记录。因此，可以在利用一张券能够兑现多次货币划拨的系统中使用这种券100。反过来，也可以将多张券(以及它们的PIN)放在一起进行一次货币划拨(接收几张券的一个MTCN)。
下面将详细说明产生和提供PIN以及MTCN的系统和方法的细节。但是，简而言之，PIN是在买券的时候产生的，可以在收据上提供给客户(见图7)，或者由收银员或客户从POS终端的显示器上读下来。如果客户想用券100保存PIN的一个记录(供以后完成货币划拨请求时使用)，他或她可以将它记录在券里面的位置132上。如果客户收到收据(上面有PIN)并选择不在券上记录PIN，那么他当然可以仅仅保留收据供以后需要PIN时使用(而不是将它写在空白132处)。当客户准备好完成货币划拨请求时(在购买了券以后他或她方便的时候)，客户联系货币划拨提供商，提供PIN(以及关于这次划拨的个人信息)，接收MTCN，供以后提供给接收方，然后用来在货币划拨办事处申领这些货币。接收MTCN时，客户同样可以将它记录在券100上(在位置134处)，从而能够将有关划拨的所有信息方便地保留在一个地方。
要注意，PIN和MTCN记录在券100的里面，以便在券折叠起来的时候让它门合理地不让人看见。为了提供进一步保护，券上可以有能够重复使用的胶带、锁标或类似的东西，用来在券折叠起来时保持可靠折叠(没有画出)。这样，客户能够确保PIN或MTCN不容易被他人看见并读取而被他人试图未经客户授权拿到这张券。还有，很显然除非将PIN记录在券上，否则券上不会显示也不会有PIN。这样就能够防止未授权用户从零售场所不付款拿走，在购买之前就欺骗性地使用这张券，如果PIN在券上某个地方，这个人就会试图去使用这张券。
图2说明用来购买券100并利用这些券完成货币划拨的系统200。
如图所示，系统200包括可以在那里购买券100的零售场所的POS终端210。为了说明系统200，假设每个POS终端210都位于一个零售场所(杂货店、便利店、百货商店等)，并通过零售场所的单个零售网络212连接，尽管也可能有其它方式，包括位于不同商店的POS终端，甚至包括位于不同零售网络中运营的独立连锁店中不同商店的POS终端。
在图2所示的实施例中，零售商店有通过网络212连接到POS终端210的零售服务器216。此外，服务器216还利用数据库存储设备218实现集中式的存货清单、价格表和其它数据库存储和提取功能。零售服务器216通过专用或公共网络(互联网、PSTN等)连接到提供货币划拨服务并管理货币划拨交易的实体(例如西联)运营的远程货币划拨主机230。除了其它事情以外，货币划拨主机230还管理数据库232中储存的与货币划拨相联系的数据。货币划拨主机230可以由货币划拨代表或代理通过使用远程代理终端240(位于例如远离主机230的货币划拨办事处)来访问。图2中只画出了一个终端240，但是很显然实际上可以有许多这种代理终端，位于客户能够存款或接收货币的货币划拨办事处网络中。
除了代理终端240以外，货币划拨主机230还可以由客户通过客户接口系统250直接访问(下面详细说明)。
数据库232储存跟(完成的或者待完成的)货币划拨交易有关的记录和数据等。它还储存PIN，这些PIN可能发放给购买货币划拨券100的客户。对于每一张货币划拨券(例如对于具有相同面值的每一张券)，数据库232中储存了有关的一个UPC码和多个PIN。这一点在图3中说明，作为一个实例，其中画出了数据库232中的两组PIN，一组对应于面值(面额)为25美元的券的UPC码，第二组对应于面值(面额)为50美元的券的UPC码。尽管没有画出，但是还可以储存有对应于每一面额以及其它券种(例如按照券的牌子、宣传主题等确定)的其它组PIN。PIN储存在数据库字段310中。给储存的每个PIN标有一个指示位或数据，用来表明是否已经将这个PIN分配给一个客户(“已经使用”)。每个PIN的指示位储存在字段312中。
根据需要将数据库232中储存的PIN周期性地分配给零售服务器216(以及为能够在那里购买券的POS终端提供服务的其它零售服务器)，在那里可以将它们发放给购买货币划拨券的客户。于是，按照一定的间隔(例如每天一开始)或者当服务器216中的PIN库存不够或用完时在服务器216的请求下，通过主机230和零售服务器216下载数据库232中的PIN，储存在数据库218中。然后，在POS终端210之一处扫描券的UPC码时，零售服务器提供跟这个UPC对应的PIN给POS终端，购买完成后在那里将它例如印在收据上。发放了一个PIN时，零售服务器(跟对应的PIN一起)发送数据指示符给货币划拨主机数据库232，表明这个PIN已经发放或被使用(如果PIN已经被分配，字段312中的“Y”)。客户完成了货币划拨请求，并且发放了MTCN以后，客户通常不再需要这个PIN，可以将这个PIN指定为不再使用(字段312中的“N”)。
回到图2，当客户(已经在零售场所购买了券100)想要完成货币划拨请求时，客户可以通过客户接口系统250访问货币划拨主机230。系统250可以提供几个不同的用户接口供客户使用。如上所述，一个这种接口可以使用电话网络，接口系统250采用交互式语音响应系统，使得客户能够拨号进入系统250，然后根据语音提示输入PIN。用电话小键盘或其它方式还可以输入其它个人信息(发送方/接收方名称、要划拨的金额等)。根据输入的PIN和个人信息，主机系统在数据库232中创建货币划拨交易的记录，并且为这条记录分配MTCN，可以用音频消息将这个MTCN提供给发送方。
接口系统250也可以包括基于网络的应用程序，发送方利用互联网访问这个应用程序，这个应用程序提供说明和数据输入显示用于输入PIN和个人数据，并提供MTCN。也可以采用提供PIN和个人数据的其它方法，例如发送方去货币划拨办事处，亲自提供PIN(尤其是不习惯基于电话或网络的系统的客户)。
尽管将图2中的货币划拨主机230(及其相关的数据库232)描述成用于储存和管理PIN和MTCN，但是应该明白可以有一个以上的主机。例如，可以在跟零售服务器216连接的单独的PIN主机(没有画出)处管理和储存PIN，货币划拨主机230可以为了其它目的来管理和储存数据(包括管理货币划拨交易、发放MTCN等)。此外，尽管图2所示的实施例中将PIN说明成储存起来以便在零售服务器216处使用(在那里随后将各个PIN提供给POS终端)，这些PIN功能(例如提供各个PIN给POS终端)也可以在单个PIN主机处进行，甚至在货币划拨主机230处进行。
还有，尽管图2说明有多个POS终端210连接到零售网络212、零售服务器216和数据库218，但是应当明白，在一些零售场所(例如有一个POS终端的小商店)，结合网络212、服务器216和数据库218描述的所有功能都可以驻留在单独一个POS终端里。因此，POS终端会有足够的存储器，以便不仅实现查阅价格以及类似的零售功能，还能够接收和储存成组的PIN(从货币划拨主机230)，并且在购买券100的时候一个一个地分配这些PIN。
现在参考图4，流程图说明让系统200(图2)工作的一种方法。图中画出的各个步骤可以用主要驻留在POS终端210、零售服务器216和货币划拨主机230处的软件程序来执行。在步骤410中，客户已经在零售场所选择了要购买的货币划拨券，将它拿到零售商店结帐通道处的POS终端210。读取券上的UPC码，步骤411，在客户为券(以及购买的其它商品)付款以后，印出收据，上面有在POS终端发放的PIN(步骤412)。然后，当客户难备好完成货币划拨请求时，在步骤420中客户联系货币划拨主机或系统(通过客户接口系统250，图2)，并提供早些时候POS终端发放的PIN，以及关于划拨的必要个人信息(步骤422)。响应PIN和个人数据，货币划拨主机创建交易记录并发放MTCN，步骤424。当客户准备好由接收方提取现金时，他提供MTCN给接收方(步骤430)。然后接收方去货币划拨办事处或代理，提供这个MTCN(以及任何必要标识)，拿到现金(步骤432)。
要明白，虽然没有结合图4说明，但是呈现MTCN的时候，接收方可以接收现金以外的值。例如，接收方可以接收储存的值或其它支付卡、(在商店或其它场所)用于以后赎回的票，或者直接将货币值划拨到第三方用于支付帐单(公共事业帐单、信用卡帐单等)。
系统200提供有额外的特征用于划拨货币，在图5和6中给出两个实例。如图5所示，客户可能想多次划拨(给同一个接收方或不同接收方)。在步骤422(图4)以后，如果客户请求多次划拨(步骤510)，客户提供每次划拨的金额(以及个人数据)，步骤512，然后，主机系统230可以为每次划拨发放一个MTCN，步骤514。然后每个MTCN由客户随后提供给接收方。
在图6中，货币划拨券可以重复使用(也就是重载)，例如，在跟券相联系的所有货币都被划拨了以后。在这种情况下，跟券有关的PIN可以保留，并重新使用(而不是图3中字段312里一样标为不再使用)。在客户已经在步骤420中访问了货币划拨主机以后(图4)，可以问客户他是否希望重载券(步骤610)，如果他愿意，他就输入在POS终端发放的曾经用于以前的划拨的PIN，步骤612。系统问客户要重载到券上去的金额，步骤614，客户在步骤616中提供这个金额(利用信用卡或支付重载值的其它方式)。如果客户想要随后进行新的划拨，并且接收新的MTCN，这一过程就回到图4中的步骤424。
在重载券的情况下，PIN仍然跟券相联系，即使是在已经进行了货币划拨，券上的值已经用光。为了防止误用，可以给主机230编程，让它允许PIN仅仅在预定时间段内有效(例如一段时间，比如6个月，不使用券，或者在设定的时限以后，例如从初始购买一年以后就结束)。
图7说明示例性的收据，可以在购买货币划拨券100的时候在POS终端210处打印。如图7所示，收据说明在零售场所购买的每一商品(及其价格)，包括货币划拨券的说明(在图示实例中是25美元券)以及货币划拨费(在图示实例中是5美元)。就在货币划拨券的说明和划拨费下面印上的是供客户完成货币划拨时使用的PIN。
尽管详细描述了本发明的优选实施例，但是本领域技术人员能够想到各种替换、改进和等同方案，它们不会偏离本发明的实质。因此，上述说明不是为了限制本发明的范围，本发明的范围由后面的权利要求给出。

Claims (28)

1.一种划拨货币的方法，包括：
为了在零售场所购买，提供货币划拨券以供发送方划拨货币给接收方时使用，所述货币划拨券具有产品信息和与之相联系的货币值；
在所述零售场所获取所述产品信息；
响应所述产品信息的获取，将个人标识符发放给所述发送方；
随后跟所述个人标识符一起提供货币划拨信息给货币划拨主机；以及
响应提供给所述货币划拨主机的货币划拨信息和个人标识符，提供货币划拨控制标识符给所述发送方。
2.如权利要求1所述的方法，还包括：
提供所述货币划拨控制标识符给接收方，用于接收货币，所述货币由跟所述货币划拨券相联系的货币值的至少一部分表示。
3.如权利要求1所述的方法，其中获取产品信息包括：
在所述零售场所的POS终端上输入所述产品信息。
4.如权利要求1所述的方法，其中所述货币划拨信息是由所述发送方提供给所述货币划拨主机的，包括接收方的名称。
5.如权利要求4所述的方法，其中所述货币划拨信息还包括划拨金额。
6.如权利要求1所述的方法，其中所述个人标识符是个人识别号(PIN)。
7.如权利要求6所述的方法，其中所述PIN是通过在购买了所述券以后提供给客户的收据上印上所述PIN，从货币划拨券单独发放的。
8.如权利要求7所述的方法，其中上面印有所述PIN的所述收据包括跟所述券在同一时刻购买的所有商品的标识。
9.如权利要求1所述的方法，其中所述产品信息是所述货币划拨券上的产品ID。
10.如权利要求1所述的方法，其中所述产品信息是能够在所述零售场所的POS终端处读取的UPC码。
11.如权利要求1所述的方法，其中所述产品信息储存在RFID设备中，所述产品信息是在所述零售场所的POS终端处收到的。
12.如权利要求1所述的方法，其中所述券的货币值是在所述券上显示的面值。
13.如权利要求12所述的方法，其中在所述零售场所展示多张货币划拨券供购买，并且其中所述券可以有一个以上的面值，并且其中为每个面值建立单独的产品信息。
14.如权利要求12所述的方法，其中所述货币划拨券的购买价格包括所述面值和货币划拨费，这两者都显示在所述券上。
15.如权利要求1所述的方法，其中所述券的货币值是客户在购买时确定的，并由零售场所的办事员在所述POS终端上输入。
16.如权利要求1所述的方法，其中所述个人标识符是PIN，其中所述货币划拨券包括供发送方在购买所述券以后记录所述PIN的位置，并且其中所述方法还包括在这样一个位置记录所述PIN。
17.如权利要求16所述的方法，其中所述货币划拨控制标识符是货币划拨控制号(MTCN)，其中所述货币划拨券包括供发送方记录所述MTCN的位置，并且其中所述方法还包括在这样一个位置记录所述MTCN。
18.如权利要求1所述的方法，其中所述发送方可以响应提供给所述货币划拨主机的所述货币划拨信息和个人标识符，请求多个货币划拨控制标识符。
19.如权利要求1所述的方法，其中所述发送方可以购买多张券，并在那以后给所述发送方提供个人标识符，这些标识符之一与购买的每一张券相联系，并且其中所述发送方可以累加与所述多张券相联系的值，作为给接收方的单次货币划拨的一部分。
20.如权利要求1所述的方法，其中所述券是具有磁条承载所述产品信息的卡。
21.如权利要求1所述的方法，其中所述券是储存所述产品信息的智能卡。
22.如权利要求1所述的方法，其中提供货币划拨信息和个人标识符给所述货币划拨主机的步骤是利用客户接口系统完成的货币划拨履行请求，并且其中所述客户接口系统允许发送方利用有线电话、无线电话、交互式语音响应系统、WAP通信设备和PDA之一履行所述货币划拨请求。
23.一种货币划拨系统，包括：
多个POS设备，位于一个或多个零售场所，用于从所述零售场所处展示的货币划拨券输入产品ID，每张券用于具有相联系的货币值以及供客户发送货币给接收方之用；
数据库，与所述POS设备相联系，用于储存PIN，每个PIN都是响应在所述POS设备处所述货币划拨券的产品ID的输入，在所述POS设备之一处发放的，所述PIN在那以后与那张券相联系，因此在客户购买所述券以前，没有发放所述PIN，并且所述PIN不与所述券相联系；以及
货币划拨主机，用于跟个人数据一起从客户接收券的PIN，所述个人数据与跟那张券相联系的货币划拨有关，并且作为响应，建立货币划拨记录和向所述客户发放MTCN；
其中在那以后将所述MTCN提供给所述接收方，供所述接收方完成所述货币划拨并在货币划拨场所接收现金时使用。
24.如权利要求23所述的系统，其中所述产品ID是要在所述POS设备之一处读取的UPC码，并且其中所述PIN与跟所述券在同一时刻在所述零售场所购买的任何其它商品一起印在收据上。
25.如权利要求24所述的系统，其中所述货币划拨主机拥有相联系的主机数据库，用于将所述PIN储存在跟每个UPC码相联系的字段中，并且其中所述数据库还包括跟每个UPC码相联系的字段，用于储存数据，这些数据表明每个PIN是否已经为券发放。
26.一种货币划拨券，用于将货币从作为发送方的一个人划拨到作为接收方的另一个人，该券包括：
关于所述券的产品ID信息，用于在展示所述券的零售场所在POS设备处输入，从而响应所述产品ID信息的输入，在所述POS设备处发放PIN，所述PIN由所述发送方用于在后来完成货币划拨请求；以及
所述券上的PIN记录位置，用于记录在所述POS设备处提供给所述发送方的PIN，所述PIN记录位置用于向所述发送方以外的人隐藏所述PIN；
由此，只有所述发送方购买了所述券并且在所述PIN记录位置输入了所述PIN之后，才在所述券上提供所述PIN。
27.如权利要求26所述的货币划拨券，其中所述货币划拨券包括在折叠线处接在一起的两个部分，因此，当在所述折叠线处折叠时，所述券包括正面、背面和里面，并且其中所述PIN记录位置在所述券的所述里面。
28.如权利要求27所述的货币划拨券，还包括：
所述券上的MTCN记录位置，用于记录在收到所述PIN之后提供给所述发送方的MTCN，所述MTCN记录位置用于向所述发送方以外的人隐藏所述MTCN，所述MTCN位置在所述券的里面。
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US20160314444A1 (en) 2016-10-27
US20140344089A1 (en) 2014-11-20
WO2007041032A2 (en) 2007-04-12
WO2007041032A3 (en) 2007-11-01
US20070075129A1 (en) 2007-04-05
MX2008004232A (es) 2008-09-12
EP1934920A2 (en) 2008-06-25
EP1934920B1 (en) 2011-09-21
CA2561484A1 (en) 2007-03-30
US8672220B2 (en) 2014-03-18
BRPI0616702A2 (pt) 2011-06-28

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