CN1666209A - 用于多用途交易平台的方法和系统 - Google Patents

用于多用途交易平台的方法和系统 Download PDF

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CN1666209A
CN1666209A CN038155230A CN03815523A CN1666209A CN 1666209 A CN1666209 A CN 1666209A CN 038155230 A CN038155230 A CN 038155230A CN 03815523 A CN03815523 A CN 03815523A CN 1666209 A CN1666209 A CN 1666209A
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account
accounts
transaction
account number
consumer
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苏珊·穆恩
休·阿列尔
埃里克·耶林
凯利·诺克斯
杰夫·舒马赫
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Citicorp Credit Services Inc USA
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    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G07F7/10—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

Abstract

本发明特别地涉及一种方法和系统，用于以可分配给源账户的消费者识别号或者可用的代理账号，将消费者的多个支付或非支付源账户联合到联合平台之中。这些源账户例如是信用卡账户、ATM账户、借记卡账户、活期存款账户、储值账户、商家忠诚卡账户、会员账户和识别卡号。通过以单个存取装置或模式存取该联合平台，消费者能够存取和修改任一源账户，并且跨越这些源账户来管理资金。

Description

用于多用途交易平台的方法和系统
本申请要求2002年7月15日所提交的标题为“用于多用途交易平台的方法和系统”的美国临时专利申请号60/395,606的权益，这里通过参考将其整体地并入。
技术领域
本发明涉及消费者账户、商业账户和其他账户类型的领域。更特别地，本发明涉及一种方法和系统，用于将例如活期存款账户(DDA)、信用卡、借记卡、储值卡、ATM卡、忠诚卡、会员卡和标识卡等源账户链接到单个账户平台。该平台及其所有链接源账户能够被多个潜在远程存取装置存取。
背景技术
不断膨胀的钱夹在现代社会中是一种有保证的现象。随着人们的生活经历，无庸置疑地将为钱夹积累无数用品。这些用品之一例如是信用卡、借记卡、储值卡、ATM卡、电话卡或所有上述等形式下的普遍存在的“塑料”。通常的消费者持有多张他/她可随身携带的银行卡、专有标签卡(比如商户信用卡、油/气信用卡)、储值卡、忠诚卡、会员卡和标识卡。这些卡及其关联账户的激增给消费者的财务活动增添了难度和不便。
发明内容
对于一种工具(vehicle)存在着需要，该工具实现了钱夹联合，并且有助于跨越由一个或多个发行实体所提供的消费者支付和非支付账户的管理。
因此，本发明的优选实施例提供一种方法和系统，该方法和系统通过将消费者的支付卡(比如，信用卡、借记卡、储值卡(例如地铁卡)和ATM卡)和消费者的非支付卡(比如忠诚卡(例如超市或药店回馈卡)、会员卡(例如录像租赁和仓储俱乐部卡)和标识卡)链接到一个容易访问的联合平台，消除了在消费者的钱夹中对于多种卡的需要。
本发明的优选实施例还提供一种方法和系统，用于跨越来自各种机构的所有链接源账户，经过该联合的平台来管理资金。
本发明的优选实施例还提供一种方法和系统，该方法和系统通过将所有的消费者支付选择组合于单个存取装置或模式(比如“塑料”卡、电话(蜂窝或陆线)、个人数字助手(PDA)、生物辨识(ID)等)中，向消费者提供一种简单方式，以存取他们为了购物而需要使用的资金。
本发明的优选实施例为多用途装置和利用该装置的消费者，还提供一种方法和系统，该多用途装置经由联合平台，存取多个源账户，并且该消费者能够选择他/她为了特定交易而需要使用哪种支付方法。例如，消费者能够经由一装置简单地输入所希望的支付选择，该装置经过该联合平台，存取他/她的源账户。
本发明的优选实施例为多用途存取装置还提供一种方法和系统，其中具有该装置的消费者具有从电话或数据网络(比如互联网)随时随地存取和修改个人账户信息的能力，因此该消费者对于使用适用于该消费者的交易方法和/或账户具有最终决策权。
本发明的优选实施例为联合平台还提供一种方法和系统，该联合平台链接于一个或多个底层源账户，其中每个底层源账户由代理账号来表示。多个代理账号能够被预载到一装置上，该装置用于存取该联合平台和这些底层源账户，其中每个编号能够保持暂停或被激活以与一个或多个底层源账户相关联。
附图说明
图1示出了按照本发明实施例的用于联合平台的系统和方法；
图2示出了按照本发明实施例的联合平台的功能的高级图，该联合平台利用客户识别，存取底层账户；
图3示出了按照本发明实施例的联合平台的功能的高级图，该联合平台利用实际或代理(实际/代理)账号，存取底层账户；以及
图4A-4C示出了按照本发明实施例的用于联合平台的可能的不同卡存取装置。
具体实施方式
现在将具体地参考本发明的优选实施例，其说明性实例在图1中示出，图1表示一种用于联合和存取消费者支付和非支付账户的系统和方法。这里所用术语“消费者”或“客户”可以是个人、个人群体、公司或合而为一的任何其他实体。
按照本发明的实施例，主机实体(例如金融机构)可向它的任何消费者提供联合平台130，该联合平台可被链接到多个消费者关系或源账户，这些关系或账户通常通过卡或其他手段来单独存取。这些卡例如是标识卡110、信用卡111、借记/ATM卡112、储值卡113、忠诚卡114和/或会员卡115。这些源账户可由一个或多个账户发行方提供，其中该主机实体可以是这些账户发行方之一。消费者能够为销售点(POS)或存取点(POA)终端151的交易、为邮件订购(MO)或电话订购(TO)交易153、为互联网交易154或为了直接付账152，经过单个存取装置或模式140，比如“塑料”卡、电话(蜂窝或陆线)卡、PDA、生物ID等，存取他/她的任何源账户。顾名思义，POS和POA终端例如是：销售点(比如超市付账柜台)处的卡阅读器；与用于进行在线交易或存取账户的通信网络相连的计算机终端；或者用于利用语音和/或按键音信令来进行MO/TO交易或存取账户的电话。
该主机实体和/或每个消费者可启动该链接过程，以建立该联合平台。希望签约的消费者经由电话、互联网、或者能够将消费者的愿望传送到该主机实体的任何其他通信手段，能够联络该主机实体。在该交互中，可提示消费者通过提供每个源账号、源账户的账户发行方、以及能够用以将其链接到联合平台的与源账户有关的任何其他相关信息来注册每个源账户。例如，一旦被消费者联络建立联合平台，该主机实体能够提供自动注册所有的主机实体标记账户和/或者附属于该主机实体或该主机实体所发行的其他账户。接着，该主机实体能够提示消费者注册未标记或不附属于该主机实体的其他账户。该主机实体还能够提示消费者选择注册的账户之一作为默认账户，当对于某一交易不进行或没有账户选择时，该默认账户将被用于该交易。
按照本发明的优选实施例，通过创建联合平台和链接于消费者的一个或多个的各种源账户的关联标识符，该主机实体能够建立该联合平台。在实施例中，该关联标识符是分配给每个消费者的消费者身份(ID)。该消费者ID使得本发明的联合平台能够识别特定消费者和激活该消费者的账户列表以便进行选择。该账户选择依赖于允许账户选择的销售点(POS)或存取点(POA)的技术进步。该关联账号还能够包含独有银行识别号(BIN)，以表明它是本发明的联合平台号。图2提供了联合平台的功能的高级描述，该联合平台利用消费者ID号存取各种底层账户。这里，消费者能够利用存取装置，将消费者ID传送到用于交易的POS或POA终端210。消费者还能够将消费者ID直接输入到位于POS/POA终端210处的输入装置(例如键区)中，而无需利用存取装置。POS/POA终端210然后将消费者ID转接到参与的终端或支付网络220，该终端或支付网络将消费者ID识别为关联于该联合平台，并且将其发送到该主机实体所维持的联合平台230。基于该消费者ID，联合平台230经由网络220，将关联账户列表(如表1中所示)返回到POS/POA终端210处的消费者。该消费者然后利用POS/POA终端210处的输入装置，从该账户列表中选择账户，POS/POA终端210经由网络220，将该账户选择转接到联合平台230。
             表1
       消费者基于ID的账户表
ID  账户 机构
1234＝B.Smith  1.Debit-78902.Credit-21213.Credit-3333 银行X银行Y银行Z
可选地，消费者能够(再次经由存取装置或位于POS/POA终端210处的输入装置)传送消费者ID和关于所选账户的信息、而无需从联合平台230接收账户列表用于进行账户选择。应当注意，消费者ID能够由该主机实体随需建立为具有任何数量的字符，每个字符可以是字母表字母、数字字符或符号。
经过联合平台230，当系统240处的主机实体管理所选账户时，该主机实体能够在内部许可/授权该交易和结算该交易。在这种情况下，联合平台230和系统240可以是主机实体的主机处理系统的一部分，该主机处理系统可包括处理单元、数据库和/或服务器，用以基于本公开内容，以本领域技术人员显而易见的方式，处理从POS/POA终端接收的信息。如果所选账户由系统250处的主机实体之外的外部实体(比如另一金融机构(FI)管理，该主机实体能够经由网络260(比如自动清算所(ACH))在外部结算该交易，这是针对外部账户发行方的所选账户来执行的。正如本领域中所理解的，ACH对外部账户发行方进行周期性搜索(sweep)，以清算该联合平台230所传递的各选定账户。ACH之外的结算网络(例如MasterCard、Visa、AmEx、Discover、Diner’s Club)还能够被建立和/或用于授权、结算和/或账户之间的资金清算，并且它们可与用以启动交易的网络220相同或不同。如果该主机实体和该外部账户发行方相互之间具有直接联络和/或协议，该主机实体还能够直接结算与外部账户发行方的交易。
替代基于消费者ID的联合平台，在该联合平台之内，该主机实体能够将每个底层源账户与一标识符相关联，该标识符可以是源账户的实际账号或代表性的代理账号。在该实施例中，该关联标识符表示这些底层源账户中的特定一个，并不表示具有这些底层源账户的特定消费者。此外，根据底层账户和存取装置设计的类型，该实际/代理账号可具有信用或支票/借记BIN号，以将它标识为联合平台的实际/代理账号。按照本发明的实施例，图3提供了联合平台的功能的高级描述，该联合平台利用实际/代理账号存取各种底层账户。这里，消费者能够利用存取装置，将实际/或代理账号传送到用于交易的POS/POA终端310。消费者还能够将实际/代理账号直接输入到位于POA/POA终端310处的输入装置(例如键区)，而不利用存取装置。POA/POA终端310然后将实际/代理账号转接到参与的终端或支付网络320，该参与的终端或支付网络将该账户识别作为联合平台的一部分，并且将其传送到该主机实体所维持的联合平台330。终端/支付网络320可以是工业标准的终端/支付网络(例如Visa、MasterCard、AmEx、Discover、Diner’s Club、NYCE、Star)，并且实际/代理账号可兼容于这样的网络。
如果联合平台330从网络320收到主机实体所发行的实际账号，则联合平台330能够授权该交易，并且在340处的主机实体系统之内，在内部发送实际账号的结算。如果联合平台330从网络320收到主机实体之外的外部实体所发行的实际账号，则联合平台330能够经由外部账户发行方(例如Visa、MasterCard、AmEx、Discover、Diner’s Club、NYCE、Star)所通常使用的任何外部网络360，将账号和交易信息发送到用于结算的外部账户发行方。可选地，网络320能够接收主机实体之外的任何外部实体所发行的实际账号，绕过联合平台330，并且将实际账号和交易信息发送到用于结算的外部账户发行方350。
如果联合平台330收到代理账号，则它首先利用代理账户匹配表，如表2中所示，进行代理账户匹配，以获得实际的源账号。应当注意，代理账号能够由主机实体随需设定为具有任何数量的字符，每个字符可以是任何字母表字母、数字字符或符号。一旦完成该匹配，联合平台330能够授权该交易，并且在主机实体系统340之内，在内部发送实际账号的结算，或者利用结算网络360在350处外部地发送实际账号的结算(如先前所述)。
         表2
代理账户匹配表
代理 源账户 机构
1212＝ 5389 主机实体
1234＝ 7890 银行X
4567＝ 7889 银行Y
结算网络360可与用以启动交易的网络320相同或不同。联合平台330和系统340还可以是主机实体的主机处理系统的一部分，该系统可包括处理单元、数据库和/或服务器，以基于本公开内容，以本领域技术人员显而易见的方式，处理从POS/POA终端接收的信息。
本发明的优选实施例预期可使用多种存取装置，经由通信网络比如互联网或其他数据网络，存取联合平台及其底层源账户。使用消费者ID和实际/代理账号的一个优点在于，它们能够在多种装置上使用，因为这些装置被消费者用于交易已经由来已久(例如在POS处)。换而言之，消费者ID和实际/代理账户编号方案能够独立于所用存取装置的类型。可能的存取装置或机制包括但不限于：计算机终端、陆线电话、蜂窝电话、PDA、磁条卡(例如电子卡装置或具有多个磁条的卡片)、芯片卡(即智能卡)、生物ID技术、电视机、触摸屏、视频终端、以及交互语音和/或按键式终端。消费者ID和实际/代理账号可被预载到例如常驻于任一这些存取装置中的支付应用软件上，并且每个代理账号能够经过联合平台在主机实体系统之内被连接到任一底层源账户。
当存取装置是计算机终端、陆线或蜂窝电话、PDA、芯片卡或任何其他电子存储装置时，消费者能够在交易结算中将消费者ID或实际/代理账号输入到这些存取装置中(或者如果该账号已被输入和存储于存取装置中，则将其取回)，用于传输到联合平台。消费者能够利用与存取装置相关联的键盘或键区，输入特定消费者ID或实际/代理账号。这里，存取装置和POS/POA终端是同一装置；例如，客户利用计算机终端，以输入或存储于其中的消费者ID或实际/代理账号在线购买产品。到达联合平台的信息传送能够利用本领域中公知的陆线(有线)或无线(例如红外线或射频)通信，经过互联网或其他数据网络，在POS/POS终端处完成。
当存取装置是磁条卡时，消费者能够将消费者ID或实际/代理账号存储于卡上，该卡在交易结算中能够在POS/POA终端处被刷读，用于将这些编号传送到联合平台。为了存储消费者ID号，该磁条卡能够具有以用于常规的信用卡、ATM/借记卡等的领域所公知的典型方式来存储消费者ID号的单个磁条。为了存储多个实际/代理账号，该磁条卡能够具有在卡上不同位置处排列的多个磁条。每个磁条存储有特定的实际/代理账号，并且消费者通过在POS/POA终端刷读卡上的对应磁条，能够选择特定账号用于交易。图4A和B分别表示具有两个磁条的卡实例和具有四个磁条的卡实例，它们可用于本发明中。可选地，该磁条卡能够具有在卡上单个位置处的单个磁区域和用于磁模拟或动态磁编码的关联电子，使得该卡在POS/POS终端处输出不同的实际/代理账号或消费者ID(具有或不具有用以表示所选账号的不同链路数据)。图4C表示卡片实例。利用这样的卡片，消费者能够通过经由位于卡本身上的键区或开关输入账户选择，来选择特定账号用于交易，并且磁区域能够在POS/POA终端处输出对应的账号。
当存取装置利用生物ID技术时，消费者ID能够基于生物扫描，比如指纹扫描或虹膜扫描。这种生物技术在本领域中是公知的。由此，通过在交易期间在POS/POA终端处首先提供生物扫描，消费者能够在存取装置中或在POS/POA终端处的输入装置中，存取来自于联合平台的账户列表，或者进一步输入账户选择，以便进行交易。
如上所述，该联合平台提供了匹配功能，从而当主机实体经过代理账号之一收到交易，或者收到与代理账号之一一起进行的交易时，该编号将与底层源账户相匹配或相关联，主机实体能够针对该底层源账户执行结算。
代理账号的另一优点是消除了替换卡片的需要。因为多个代理账号可被预载到每个存取装置上，一些编号能够在一些保持待命于存取装置上的同时被激活。因此，当消费者改变或添加一个或多个底层源账户时，通过再分配、激活和/或撤销已预载的代理账号，能够在主机实体系统中改变这些修改，以与新修改的底层源账户相匹配。代理账号的再一优点在于，消费者能够容易地获得联合平台，以存取多个其他账户。这是因为客户仅需要提供关于待链接源账户的信息，并且该组织能够由主机实体来完成。
按照本发明的优选实施例，消费者能够经由存取装置，在POS终端(或存取点终端)选择想要的支付方法。存取装置能够具有至少三种支付选择：1)信用；2)非现金支票找回(checking non-cash back)；以及3)具有ATM/现金找回的支票。“信用”表示信用额度(line of credit)及其代理账号，消费者能够从他/她可用于信用支付的一个或多个信用额度中选择特定的信用账户。这些信用账户具有对应的信用代理账号，如前所述，这些账号被预载到存取装置上。存取装置然后将对应的信用代理账号(带有信用BIN)发送到POS终端。与通常处理信用交易一样，该交易能够由终端和支付网络(例如MasterCard、Visa、AmEx、Discover、Diner’s Club)来处理。主机实体然后从支付网络接收该交易，用于基于与信用代理账户相对应的源账户的正常授权标准，进行授权和结算。该结算能够在主机实体系统之内内部地完成，或者如下所述经过外部结算网络在外部完成。
另一支付方法“非现金支票找回”表示当未接收现金找回时针对支票账户的交易，其中代理账号可用于该支票账户。因此，对于位于未接收现金找回的POS或POA处的支票交易，该存取装置能够将对应的支票代理号与信用BIN一起发送到POS终端。对应的支票代理账号再次被预载到存取装置上(如前所述)。该交易能够以与离线(即基于签名)的借记交易相似的方式来处理，然后被发送到用于结算的主机实体。如前所述，该主机实体能够内部或外部地批准和结算该交易。
另一支付方法“具有ATM/现金找回的支票”表示ATM或现金找回支票交易(例如，具有现金找回选项的支票卡或借记卡)及其与支票账户相链接的实际账号。这里，在POS或存取点处的ATM或现金找回支票交易能够利用实际账号来处理。因此，将不使用代理账号，并且该交易将在区域电子资金转移(EFT)网络(例如Cirrus、Plus)上被处理。将向客户提示PIN，并且该交易将在EFT网络上相应地被授权。客户然后能够从该交易收到想要的或允许的现金找回。可选地，与其他两种方式相关，以前述相同的方式，还能够将代理账号用于具有ATM/现金找回交易的支票，不同之处在于，客户能够从该交易接收想要的或允许的现金找回。还应当注意，也可利用其他名称，表示前述支付选择的各功能。
任一或所有上述支付方法中的代理账号可以不计其数的方式来构造，以在它们之间进行区分。例如，每个代理账号可具有与其他代理账号不相同的一个或多个数字或字符。可选地，一个或多个数字可在所有代理账号所共用的基本账号的末端被添加或删除，以形成与其他代理账号相比的独特代理账号，以及形成联合账号。该特定代理账号可通过交易中所涉及的实体，利用这样的代理账号，经由存取装置来选择。
按照本发明的优选实施例，缺省账户(例如信用、DDA)可由客户选择，用于与显示于存取装置上的主账号相关联。该主账号可用于邮件订购(MO)、电话订购(TO)或互联网交易。在塑料卡存取装置的情况下，主账号可凸印在卡片上，并且该编号能够用于在手动(压印机)POS处印刻。作为替代，单独的应用程序可在互联网上使用，其在在线环境下复制该代理账户方案。
按照本发明的优选实施例，已经将多个源账户链接到单个联合平台的客户能够跨越账户和不同金融机构转移资金。资金转移的潜在类型包括但不限于余额转移和经常性支付。该联合平台还能够提供底层源账户的活动和余额的联合报表，这些源账户可用于预算编制和财务规划。
尽管该联合平台已被描述为账户到底层支付账户，但是应当理解，这样的账户还能够是“网关”账户到非支付账户(例如商家忠诚账户、会员账户和识别账户)以及支付账户。对于底层非支付账户，均可由具有非支付代理账号的代理账号来表示。
尽管已参考这些优选实施例描述了本发明，但是其他实施例可由本领域技术人员实现，以获得相同或相似的结果。基于本公开内容，本发明的变化和改型对于本领域技术人员将是明显的，并且本发明涵盖所有这些改型和等效变化。

Claims (39)

1.一种联合多个预订账户用于交易的方法，包括：
获得将被联合的多个账户的实际账号；
将每个所述实际账号分配给多个代理账号之一；
接收所述代理账号之一，作为与所联合的账户中的一个选定账户进行交易的请求；
基于该分配步骤，将收到的代理账号与所联合的账户的实际账号之一相匹配；以及
至少基于该匹配的实际账号，结算与所选账户的交易。
2.如权利要求1所述的方法，其中该分配步骤包括提供一种将任一所述实际账号分配给任一所述代理账号的能力。
3.如权利要求2所述的方法，其中该分配步骤还包括提供一种将新的实际账号分配给任一所述代理账号的能力。
4.如权利要求1所述的方法，其中该结算步骤包括：经由外部结算网络，结算与所选账户的交易。
5.如权利要求1所述的方法，其中所述多个账户由不同的主机系统管理。
6.如权利要求5所述的方法，其中所述不同的主机系统属于不同的金融机构。
7.如权利要求1所述的方法，其中该接收步骤包括：接收磁编码格式的代理账号。
8.如权利要求1所述的方法，其中所述多个账户中的至少一个和所述代理账号由第一主机系统管理。
9.如权利要求1所述的方法，还包括：
向远程用户提供一种为该交易选择所述代理账号之一的能力；以及
该接收代理账号的步骤包括：接收所选代理账号。
10.如权利要求1所述的方法，其中该交易包括：以来自于所选账户的资金，购买产品或服务。
11.如权利要求1所述的方法，其中该交易包括：修改关于所选账户的信息。
12.如权利要求1所述的方法，其中该交易包括：向或从所选账户转移资金。
13.一种提供对多个账户存取用于交易的系统，包括：
点存取(POA)终端，能够取回关于多个账户的代理账户信息；
通信网络，能够从该POA终端接收该代理账户信息；以及
第一主机系统，能够：
a)从该通信网络接收该代理账户信息；
b)将该代理账户信息与关于所述多个账户的实际账户信息相匹配；以及
c)基于该匹配的实际账户信息，存取用于结算的所述多个账户。
14.如权利要求13所述的系统，还包括存取装置，该存取装置维持该代理账户信息，用于由该POA终端的取回。
15.如权利要求14所述的系统，其中以磁编码格式将该代理账户信息维持于该存取装置上，用于该POA终端的取回。
16.如权利要求15所述的系统，其中该存取装置是具有多个磁条的卡片，每个所述磁条提供所述多个账户之一的代理账户信息。
17.如权利要求15所述的系统，其中该存取装置是在单个位置处具有磁区域的卡片，用于提供所述多个账户中的一个或多个账户的代理账户信息。
18.如权利要求14所述的系统，其中该存取装置是计算机终端、陆线电话、蜂窝电话、个人数字助手、磁条卡、智能卡、电视机、触摸屏、交互语音和/或按键式终端、视频屏幕或生物识别装置。
19.如权利要求13所述的系统，其中关于所述多个账户的代理账户信息和所述多个账户由该第一主机系统管理。
20.如权利要求13所述的系统，其中至少一个所述多个账户由该第一主机系统外部的第二主机系统管理。
21.如权利要求20所述的系统，还包括该第一主机系统外部的结算网络，用于该第一主机系统结算该第二主机系统所管理的至少一个账户。
22.如权利要求13所述的系统，其中所述多个账户之一的代理账户信息能够被选择用于该POA终端处的取回。
23.如权利要求13所述的系统，其中所述多个账户包括消费者支付账户。
24.如权利要求13所述的系统，其中所述多个账户包括消费者非支付账户。
25.如权利要求13所述的系统，其中所述多个账户包括消费者支付账户和消费者非支付账户。
26.如权利要求1所述的方法，其中该接收步骤包括：从计算机终端、路线电话、蜂窝电话、个人数字助手、磁条卡、智能卡、电视机、触摸屏、交互语音和/或按键式终端、视频屏幕或生物识别装置接收该代理账号。
27.如权利要求12所述的方法，其中该资金转移包括余额转移或经常性支付。
28.如权利要求1所述的方法，其中该结算步骤包括：在周期性基础上，结算与所选账户的交易。
29.一种将多个预定账户联合到单个存取装置中用于交易的方法，包括：
获得将被联合的多个账户的实际账号；
提供与所联合的账户相关联的识别(ID)号和一存取装置；
从该存取装置与关于账户选择的信息一起接收该ID号，作为与选定的一个所述联合的账户进行交易的请求；
将该ID号和关于所选账户的信息，与所述联合的账户的实际账号之一相匹配；以及
至少基于该匹配的实际账号，结算与所选联合的账户的交易。
30.如权利要求29所述的方法，其中该结算步骤包括：经由外部结算网络，结算与所选联合的账户的交易。
31.如权利要求29所述的方法，其中所述多个账户由不同的主机系统管理。
32.如权利要求31所述的方法，其中所述不同的主机系统属于不同的金融机构。
33.如权利要求29所述的方法，其中所述接收步骤包括：从该存取装置接收磁编码格式的该ID号和关于所选账户的信息。
34.如权利要求29所述的方法，其中该接收步骤包括：从计算机终端、路线电话、蜂窝电话、个人数字助手、磁条卡、智能卡、电视机、触摸屏、交互语音和/或按键式终端、视频屏幕或生物识别装置接收该ID号和关于所选账户的信息。
35.如权利要求29所述的方法，其中所述多个账户的至少一个和所述实际账号由第一主机系统管理。
36.如权利要求29所述的方法，其中该交易包括：以来自于所选账户的资金，购买产品或服务。
37.如权利要求29所述的方法，其中该交易包括修改关于所选账户的信息。
38.如权利要求29所述的方法，其中该交易包括向或从所选账户转移资金。
39.如权利要求29所述的方法，其中该结算步骤包括：在周期性基础上结算与所选账户的交易。
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