公开(公告)号：US20200242585A1

公开(公告)日：2020-07-30

申请号：US16846802

申请日：2020-04-13

Applicant: Apple Inc.

Inventor： Lorraine Meere ,  Glenn D. Epis

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q20/20

Abstract: Disclosed herein are systems, methods, and computer-readable storage devices for enabling users of mobile devices to load funds onto an account with an online marketplace. Instead of linking a payment card with the account, or requiring users to purchase a plastic card from a retailer, a user enrolls his account with the online marketplace to generate a barcode that can be rendered on the mobile device. The user presents the barcode to a merchant for scanning. The merchant scans the barcode to retrieve a serial number, which is submitted to the online marketplace to uniquely identify the user's account. Then the user can provide funds to the merchant for loading onto the account, and the merchant can use existing payment infrastructure for processing traditional physical plastic cards for loading funds. This approach avoids costs associated with distributing, manufacturing, and stocking plastic cards, and also saves shelf space at retail locations.

公开(公告)号：US20150248663A1

公开(公告)日：2015-09-03

申请号：US14195773

申请日：2014-03-03

Applicant: Apple Inc.

Inventor： Lorraine Meere ,  Glenn D. Epis

IPC: G06Q20/32 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/20

CPC classification number: G06Q20/3274 ,  G06Q20/10 ,  G06Q20/204 ,  G06Q20/401

Abstract: Disclosed herein are systems, methods, and computer-readable storage devices for enabling users of mobile devices to load funds onto an account with an online marketplace. Instead of linking a payment card with the account, or requiring users to purchase a plastic card from a retailer, a user enrolls his account with the online marketplace to generate a barcode that can be rendered on the mobile device. The user presents the barcode to a merchant for scanning. The merchant scans the barcode to retrieve a serial number, which is submitted to the online marketplace to uniquely identify the user's account. Then the user can provide funds to the merchant for loading onto the account, and the merchant can use existing payment infrastructure for processing traditional physical plastic cards for loading funds. This approach avoids costs associated with distributing, manufacturing, and stocking plastic cards, and also saves shelf space at retail locations.

Abstract translation: 这里公开的是系统，方法和计算机可读存储设备，用于使移动设备的用户能够将资金加载到具有在线市场的帐户。 或者要求用户从零售商那里购买塑料卡，而不是将支付卡与帐户连接起来，用户可以通过在线市场注册他的帐户，以生成可以在移动设备上呈现的条形码。 用户将条形码呈现给商家进行扫描。 商家扫描条形码以检索序列号，该序列号被提交到在线市场以唯一地标识用户的帐户。 然后，用户可以向商家提供资金以加载到账户上，商家可以使用现有的支付基础设施来处理传统的物理塑料卡来加载资金。 这种方法避免了与分发，制造和储存塑料卡相关的成本，并且还节省了零售地点的货架空间。