公开(公告)号：US20120091201A1

公开(公告)日：2012-04-19

申请号：US13010976

申请日：2011-01-21

申请人： Amish Rajesh Babu ,  Jim McKelvey ,  Sam Wen ,  Jack Dorsey

发明人： Amish Rajesh Babu ,  Jim McKelvey ,  Sam Wen ,  Jack Dorsey

IPC分类号： G06K7/08 ,  G06Q90/00

CPC分类号： G07F7/0886 ,  G06Q20/322 ,  G06Q20/347 ,  G06Q30/06 ,  G06Q40/02

摘要： A card reader device is provided with a housing having a slot for swiping a magnetic stripe of a card to complete a financial transaction between a buyer and seller. A read head is in the housing reads data stored on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a mobile device for provides the signal indicative of data stored on the magnetic stripe to the mobile device. A sourcing power device couples to an audio jack of the mobile device and sources power from the mobile device through the audio jack.

摘要翻译： 读卡器设备设置有具有用于刷卡的磁条的槽以完成买方和卖方之间的金融交易的壳体。 读取头在外壳中读取存储在磁条上的数据，并产生指示存储在磁条上的数据的信号。 输出插孔适于插入到与移动设备相关联的麦克风输入中，以将指示存储在磁条上的数据的信号提供给移动设备。 源电源设备耦合到移动设备的音频插孔，并通过音频插孔从移动设备发送电力。

公开(公告)号：US20120091200A1

公开(公告)日：2012-04-19

申请号：US13005822

申请日：2011-01-13

申请人： Jim McKelvey ,  Sam Wen ,  Jack Dorsey

发明人： Jim McKelvey ,  Sam Wen ,  Jack Dorsey

IPC分类号： G06K7/08 ,  G06Q90/00

CPC分类号： G06Q20/347 ,  G06Q20/322 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A card reader device is provided that includes a housing having a slot for swiping a magnetic stripe of a financial transaction card to complete a financial transaction between a buyer and seller. A read head is positioned in the housing. The read head reads data stored on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head has sufficient impedance to set amplitude of a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a mobile device for providing the signal indicative of data stored on the magnetic stripe to the mobile device.

摘要翻译： 提供了一种读卡器装置，其包括具有用于刷擦金融交易卡的磁条的槽以完成买方和卖方之间的金融交易的壳体。 读取头位于外壳中。 读取头读取存储在磁条上的数据，并产生指示存储在磁条上的数据的信号。 读头具有足够的阻抗以设置指示存储在磁条上的数据的信号的幅度。 输出插孔适于插入到与移动设备相关联的麦克风输入中，用于将指示存储在磁条上的数据的信号提供给移动设备。

公开(公告)号：US20120030078A1

公开(公告)日：2012-02-02

申请号：US12845169

申请日：2010-07-28

申请人： David Anthony Orr

发明人： David Anthony Orr

IPC分类号： G06Q40/00 ,  G06Q90/00

CPC分类号： G06Q30/06 ,  G06Q20/347 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q99/00

摘要： A system and method of providing heightened debit and/or credit card security is presented. The debit and/or credit card may be void of any information printed on the card that may provide identification of the user, an account number associated with the card, an expiration date for the card, etc. In some examples, a portion of this information may be provided, but not all pieces of information, in order to reduce the likelihood of unauthorized use, such as during an on-line transaction where a user must input information generally found on the face of or rear of the card itself.

摘要翻译： 提出了提供更高的借记卡和/或信用卡安全性的系统和方法。 借记卡和/或信用卡可能无法打印在卡上的任何可能提供用户身份的信息，与卡相关联的帐号，卡的有效期等。在一些示例中，该部分 可以提供信息，但不能提供所有信息，以便减少未授权使用的可能性，例如在用户必须输入通常在卡本身的面部或后部发现的信息的在线交易期间。

公开(公告)号：US20120005096A1

公开(公告)日：2012-01-05

申请号：US13179832

申请日：2011-07-11

申请人： Jack Dorsey ,  William Henderson ,  Brian Grassadonia ,  Jim McKelvey ,  Brian Joseph Neidermeyer

发明人： Jack Dorsey ,  William Henderson ,  Brian Grassadonia ,  Jim McKelvey ,  Brian Joseph Neidermeyer

IPC分类号： G06Q40/00

CPC分类号： G06Q20/347 ,  G06Q20/322 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A method is provided of conducting a financial transaction with reduced likelihood of fraud. A financial transaction is entered into using a first party's financial transaction instrument to transfer funds. The first party's financial transaction instrument information is sent externally to a mobile device. The financial transaction instrument information is sent from the mobile device to a payment system.

摘要翻译： 提供了减少欺诈可能性进行金融交易的方法。 使用第一方的金融交易工具进行金融交易，以转移资金。 第一方的金融交易工具信息从外部发送到移动设备。 金融交易工具信息从移动设备发送到支付系统。

公开(公告)号：US07997503B2

公开(公告)日：2011-08-16

申请号：US12440500

申请日：2006-12-31

申请人： Matthew Walker

发明人： Matthew Walker

IPC分类号： G06K19/06

CPC分类号： G07F7/086 ,  G06F21/34 ,  G06F21/36 ,  G06Q20/347 ,  G07F7/08 ,  G07F7/0813 ,  G07F7/125 ,  G09C5/00 ,  H04L9/3228 ,  H04L2209/56

摘要： The invention is an improved transaction verification method comprising a document, card or electronic apparatus with a transparent optical pattern visible to the user on a transparent window display. The verification process is performed by a user aligning the transparent pattern over a synchronized pattern image. The optical combination of these patterns induces a visual code, to be apparent to the user, which is then manually entered into a remote terminal or directly to the electronic apparatus to verify the transaction.

摘要翻译： 本发明是一种改进的交易验证方法，其包括在透明窗口显示器上具有用户可见的透明光学图案的文档，卡或电子设备。 验证过程由用户在同步的图案图像上对准透明图案来执行。 这些模式的光学组合引起视觉代码对于用户来说是显而易见的，然后将其手动输入到远程终端或直接到电子设备以验证交易。

公开(公告)号：US20110196787A1

公开(公告)日：2011-08-11

申请号：US12702466

申请日：2010-02-09

申请人： Liore Z. Alroy ,  Pierre Beaufils

发明人： Liore Z. Alroy ,  Pierre Beaufils

IPC分类号： G06Q40/00

CPC分类号： G06Q20/065 ,  G06Q20/105 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/347 ,  G06Q20/40

摘要： A method of transferring value to an electronic wallet includes obtaining a first telephone number from a user, the first telephone number being associated with a mobile telephone of the user; obtaining a PIN from the user, the PIN being associated with a prepaid money transfer card, the prepaid money transfer card having a value associated therewith; obtaining a second telephone number from the user, the second telephone number being associated with a mobile telephone of an intended recipient of at least some of the value associated with the prepaid money transfer card; and transferring the at least some of the value associated with the prepaid money transfer card with an electronic wallet associated with the second telephone number.

摘要翻译： 将价值转移给电子钱包的方法包括从用户获取第一电话号码，第一电话号码与用户的移动电话相关联; 从所述用户获取PIN，所述PIN与预付款转账卡相关联，所述预付款转账卡具有与之相关的价值; 从所述用户获得第二电话号码，所述第二电话号码与所述预付款转账卡相关联的至少一些值的预期接收者的移动电话相关联; 以及用与所述第二电话号码相关联的电子钱包传送与所述预付款汇款卡相关联的所述值中的至少一些。

公开(公告)号：US07949148B2

公开(公告)日：2011-05-24

申请号：US11625162

申请日：2007-01-19

申请人： Geoffrey B. Rhoads ,  Tony F. Rodriguez ,  Brett A. Bradley

发明人： Geoffrey B. Rhoads ,  Tony F. Rodriguez ,  Brett A. Bradley

IPC分类号： G06K9/00 ,  G01B11/24

CPC分类号： G06F17/212 ,  G06F17/30292 ,  G06K9/00577 ,  G06K9/4661 ,  G06K19/14 ,  G06Q20/347 ,  G06Q20/388 ,  G07D7/12 ,  G07D7/121 ,  G07D7/2033 ,  G07F7/08 ,  G07F7/0813 ,  G07F7/1008 ,  G07F7/1016 ,  G07F7/125 ,  H04L9/3278 ,  H04L2209/56 ,  H04L2209/608 ,  H04L2209/805

摘要： Directional albedo of a particular article, such as an identity card, is measured and stored. When the article is later presented, it can be confirmed to be the same particular article by re-measuring the albedo function, and checking for correspondence against the earlier-stored data. The re-measuring can be performed through us of a handheld optical device, such as a camera-equipped cell phone. The albedo function can serve as random key data in a variety of cryptographic applications. The function can be changed during the life of the article. A variety of other features are also detailed.

摘要翻译： 测量和存储特定物品（例如身份证件）的定向反照率。 当文章稍后呈现时，可以通过重新测量反照率函数和检查与早期存储的数据的对应关系来确认是相同的特定文章。 可以通过我们的手持式光学设备（例如配备有相机的手机）进行重新测量。 反照率功能可以作为各种加密应用程序中的随机密钥数据。 该功能可在文章的使用期限内更改。 还详细介绍了各种其他功能。

公开(公告)号：US07938319B2

公开(公告)日：2011-05-10

申请号：US11983830

申请日：2007-11-13

申请人： Steve Newmark

发明人： Steve Newmark

IPC分类号： G06K5/00 ,  G06Q30/00 ,  G06Q40/00

CPC分类号： G07F7/08 ,  G06Q20/06 ,  G06Q20/347 ,  G06Q20/3821 ,  G06Q20/387 ,  G06Q30/0207 ,  G06Q30/0215 ,  G06Q30/0237 ,  G06Q30/0238 ,  G06Q40/025

摘要： A Tradesman's Card system issues a Tradesman's Card to qualifying tradesman selected from the group consisting of plumbers, electricians, carpenters, masons, mechanics, repair shop professionals, contractors, or related construction or trade companies and professions upon payment of an initiation fee and payment of periodic maintenance fees. The card is issued by a bank or a credit card issuing authority that has contracted with pre-selected wholesalers, jobbers and businesses to provide pre-negotiated discount levels for tradesmen within the group. The tradesman's Card has unique identification features, which identify the card holder as a professional tradesman that is entitled to pre-negotiated discounts. A number visible on the Tradesman's card serves as the system identification number and a credit card number. Professional purchases by the tradesman are tracked by the system, analyzed and reported to sponsoring manufacturers of goods, jobbers or wholesalers for a fee. The purchasing information can be used by merchants for marketing purposes and generation of special discounts on future purchases by the tradesmen.

摘要翻译： 专业人士卡系统向专业人士颁发了专业人员卡，该人员由水暖工，电工，木匠，泥瓦匠，机械师，维修店专业人员，承包商或相关建筑或贸易公司和专业人员在开始支付费用和支付后， 定期维护费用。 该卡由银行或信用卡发卡机构发行，该机构与预选批发商，工程师和企业签订合同，为集团内的商人提供预先协商的折扣级别。 商人卡具有独特的身份识别功能，可将持卡人识别为有权享受预先协商折扣的专业商人。 交易员卡上显示的数字用作系统识别号码和信用卡号码。 由专业人士进行的专业采购由系统进行追踪，分析并报销给货物，工程师或批发商的制造商收取费用。 采购信息可由商家用于营销目的，并为商人未来购买产生特殊折扣。

公开(公告)号：US20110087596A1

公开(公告)日：2011-04-14

申请号：US12903828

申请日：2010-10-13

申请人： Jack Dorsey

发明人： Jack Dorsey

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q20/204 ,  G06K7/087 ,  G06Q20/209 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/347 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A new approach is proposed that contemplates systems and methods to enable an individual to complete a financial transaction by swiping a magnetic stripe card through a card reader connected to a mobile device. The size of the card reader is miniaturized to be portable for connection with the mobile device. The card reader is configured to reliably read data encoded in a magnetic strip of the card with minimum error in a single swipe and provide a signal that corresponds to the data read to the mobile device, which then decodes the incoming signal from the card reader and acts as a point-of-sale device to complete the financial transaction. Such an approach enables a person to become either a micro-merchant (payee) or a buyer/customer (payer) without having to purchase expensive card reader devices or software.

摘要翻译： 提出了一种考虑系统和方法的新方法，以使个人能够通过连接到移动设备的读卡器扫描磁条卡来完成金融交易。 读卡器的尺寸被小型化以便于移动设备的连接。 读卡器被配置为以单个滑动中的最小误差可靠地读取编码在卡的磁条中的数据，并提供对应于读取到移动设备的数据的信号，移动设备然后对来自读卡器的输入信号进行解码， 作为完成金融交易的销售点设备。 这样的方法使得人可以成为微商（收款人）或买方/客户（付款人），而无需购买昂贵的读卡器设备或软件。

公开(公告)号：US20110084147A1

公开(公告)日：2011-04-14

申请号：US12903758

申请日：2010-10-13

申请人： Matt Wilson ,  Sam Wen

发明人： Matt Wilson ,  Sam Wen

IPC分类号： G06K19/077 ,  G06K19/073

CPC分类号： G06Q20/204 ,  G06K7/087 ,  G06Q20/209 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/347 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A new approach is proposed that contemplates systems and methods to enable an individual to complete a financial transaction by swiping a magnetic stripe card through a card reader connected to a mobile device. The size of the card reader is miniaturized to be portable for connection with the mobile device. The card reader is configured to reliably read data encoded in a magnetic strip of the card with minimum error in a single swipe and provide a signal that corresponds to the data read to the mobile device, which then decodes the incoming signal from the card reader and acts as a point-of-sale device to complete the financial transaction. Such an approach enables a person to become either a micro-merchant (payee) or a buyer/customer (payer) without having to purchase expensive card reader devices or software.

摘要翻译： 提出了一种考虑系统和方法的新方法，以使个人能够通过连接到移动设备的读卡器扫描磁条卡来完成金融交易。 读卡器的尺寸被小型化以便于移动设备的连接。 读卡器被配置为以单个滑动中的最小误差可靠地读取编码在卡的磁条中的数据，并提供对应于读取到移动设备的数据的信号，移动设备然后对来自读卡器的输入信号进行解码， 作为完成金融交易的销售点设备。 这样的方法使得人可以成为微商（收款人）或买方/客户（付款人），而无需购买昂贵的读卡器设备或软件。