公开(公告)号：US09582795B2

公开(公告)日：2017-02-28

申请号：US13298525

申请日：2011-11-17

申请人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Phillip Cummins ,  Diego Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

发明人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Phillip Cummins ,  Diego Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

IPC分类号： G06K7/08 ,  G06F17/00 ,  G06K5/00 ,  G06K7/00 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/08

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

摘要： A method of transmitting encrypted information to a mobile device and a payment service uses a card reader. The card reader has device electronics that include a microcontroller with logic resources with code and an output jack. A raw magnetic head signal is received from a reading of the card in the slot. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. The logic resources and the code create both an encryption and signed signal. An encrypted and signed output jack message is delivered to the mobile device through the output jack based on the contents of the signal, with at least a portion of the output jack signal being encrypted.

摘要翻译： 将加密信息发送到移动设备并且支付服务使用读卡器的方法。 读卡器具有包括具有代码的逻辑资源的微控制器和输出插孔的装置电子装置。 从槽中的卡的读取接收原始磁头信号。 原始磁头信号被转换成微控制器可以解释的经处理的数字信号。 逻辑资源和代码创建加密和签名信号。 加密和签名的输出插孔消息基于信号的内容通过输出插孔传送到移动设备，至少一部分输出插孔信号被加密。

公开(公告)号：US09916581B2

公开(公告)日：2018-03-13

申请号：US13298564

申请日：2011-11-17

申请人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Phillip Cummins ,  Diogo Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

发明人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Phillip Cummins ,  Diogo Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

IPC分类号： G06Q30/06 ,  G06Q20/38 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q40/02 ,  G06F21/62 ,  G07F7/08

CPC分类号： G06Q20/3829 ,  G06F21/6209 ,  G06Q20/322 ,  G06Q20/347 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A method of reconstructing a packet that includes financial card information from a mobile device uses a card reader. The card reader has a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes a microcontroller with logic resources with code. The card reader has a unique identifier and associated cryptographic key. The same code is used to produce an encrypted and signed signal. The encrypted and signed signal, that includes the card reader identifier, is sent to the mobile device. The mobile device sends an encrypted and signed packet to a back end of a payment system. A cryptographic key is used to decrypt and verify the contents of the packet at the back end. Non-encrypted financial card information is sent to a payment gateway.

公开(公告)号：US20120130903A1

公开(公告)日：2012-05-24

申请号：US13298564

申请日：2011-11-17

申请人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Phillip Cummins ,  Diogo Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

发明人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Phillip Cummins ,  Diogo Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

IPC分类号： G06Q20/40

CPC分类号： G06Q20/3829 ,  G06F21/6209 ,  G06Q20/322 ,  G06Q20/347 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A method of reconstructing a packet that includes financial card information from a mobile device uses a card reader. The card reader has a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes a microcontroller with logic resources with code. The card reader has a unique identifier and associated cryptographic key. The same code is used to produce an encrypted and signed signal. The encrypted and signed signal, that includes the card reader identifier, is sent to the mobile device. The mobile device sends an encrypted and signed packet to a back end of a payment system. A cryptographic key is sued to decrypt and verify the contents of the packet at the back end. Non-encrypted financial card information is sent to a payment gateway.

摘要翻译： 重构包含来自移动设备的金融卡信息的分组的方法使用读卡器。 读卡器具有读头，用于刷卡卡的磁条的槽和包括具有代码的逻辑资源的微控制器的装置电子装置。 读卡器具有唯一的标识符和相关的加密密钥。 相同的代码用于产生加密和签名的信号。 包含读卡器标识符的加密和签名信号被发送到移动设备。 移动设备向支付系统的后端发送加密且签名的分组。 一个加密密钥被要求在后端解密和验证数据包的内容。 未加密的金融卡信息被发送到支付网关。

公开(公告)号：US20120126005A1

公开(公告)日：2012-05-24

申请号：US13298525

申请日：2011-11-17

申请人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Philip Cummins ,  Diego Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

发明人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Philip Cummins ,  Diego Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

IPC分类号： G06K7/08 ,  G06K5/00

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

摘要： A method of transmitting encrypted information to a mobile device and a payment service uses a card reader. The card reader has device electronics that include a microcontroller with logic resources with code and an output jack. A raw magnetic head signal is received from a reading of the card in the slot. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. The logic resources and the code create both an encryption and signed signal. An encrypted and signed output jack message is delivered to the mobile device through the output jack based on the contents of the signal, with at least a portion of the output jack signal being encrypted.

摘要翻译： 将加密信息发送到移动设备并且支付服务使用读卡器的方法。 读卡器具有包括具有代码的逻辑资源的微控制器和输出插孔的装置电子装置。 从槽中的卡的读取接收原始磁头信号。 原始磁头信号被转换成微控制器可以解释的经处理的数字信号。 逻辑资源和代码创建加密和签名信号。 加密和签名的输出插孔消息基于信号的内容通过输出插孔传送到移动设备，至少一部分输出插孔信号被加密。

公开(公告)号：US20120126006A1

公开(公告)日：2012-05-24

申请号：US13298557

申请日：2011-11-17

申请人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Philip Cummins ,  Diego Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

发明人： Jack Dorsey ,  Nathan P. McCauley ,  Justin Philip Cummins ,  Diego Monica ,  Oliver Samuel Curran Quigley ,  James M. McKelvey

IPC分类号： G06K7/08 ,  G06K5/00

CPC分类号： G07F7/0886 ,  G06Q20/322 ,  G06Q20/347 ,  G06Q30/06 ,  G07F7/0873

摘要： A card reader has a housing, read head and device electronics that receive a raw signal from the read head and converts it into a processed digital signal that the microcontroller can interpret. A microcontroller with associated logic resources and code receives a digital signal from the device electronics and creates an encrypted and signed message based on the contents of the signal. An output jack is provided.

摘要翻译： 读卡器具有从读取头接收原始信号并将其转换成微处理器可解释的经处理的数字信号的外壳，读取头和器件电子设备。 具有相关联的逻辑资源和代码的微控制器从设备电子装置接收数字信号，并基于信号的内容创建加密和签名的消息。 提供输出插孔。

公开(公告)号：US09495676B2

公开(公告)日：2016-11-15

申请号：US13298506

申请日：2011-11-17

申请人： Kartik Lamba ,  Amish Babu ,  Adam David Peter Rothschild ,  Michael Shyh-yen Ho ,  Gerald Thomas Ryle ,  Jack Dorsey ,  James M. McKelvey

发明人： Kartik Lamba ,  Amish Babu ,  Adam David Peter Rothschild ,  Michael Shyh-yen Ho ,  Gerald Thomas Ryle ,  Jack Dorsey ,  James M. McKelvey

IPC分类号： G06K7/08 ,  G06K7/00 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/08

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

摘要： A method of transmitting information to a mobile device includes providing a read head with a slot for swiping a magnetic stripe of a card, a power supply coupled to wake-up electronics and a microcontroller. The wake-up electronics are powered by a microphone bias of a mobile device.

摘要翻译： 向移动设备发送信息的方法包括为读头提供用于刷卡的磁条的槽，耦合到唤醒电子装置的电源和微控制器。 唤醒电子设备由移动设备的麦克风偏压供电。

公开(公告)号：US20130200148A1

公开(公告)日：2013-08-08

申请号：US13829908

申请日：2013-03-14

申请人： Jack Dorsey ,  William Henderson ,  Brian Grassadonia ,  James M. McKelvey ,  Xuancong Wen

发明人： Jack Dorsey ,  William Henderson ,  Brian Grassadonia ,  James M. McKelvey ,  Xuancong Wen

IPC分类号： G06K7/08 ,  G06Q20/34

CPC分类号： G06K7/082 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/347 ,  G06Q20/3567 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A decoding system runs on a mobile device and is coupled to a payment system. The decoding engine decodes signals produced from a read of a first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. A payment system, in communication with the transaction engine, includes at least one of, a user database, a product database, and transaction database.

摘要翻译： 解码系统在移动设备上运行并且耦合到支付系统。 解码引擎解码从第一方的金融交易卡的读取产生的信号。 事务引擎在移动设备上运行并且耦合到解码引擎。 交易引擎作为其输入接收从解码引擎解码的第一方的金融交易卡信息。 与交易引擎通信的支付系统包括用户数据库，产品数据库和交易数据库中的至少一个。

公开(公告)号：US20120126013A1

公开(公告)日：2012-05-24

申请号：US13298520

申请日：2011-11-17

申请人： Elliot John Sather ,  Amish Babu ,  Gregory Staples ,  Jack Dorsey ,  James M. McKelvey

发明人： Elliot John Sather ,  Amish Babu ,  Gregory Staples ,  Jack Dorsey ,  James M. McKelvey

IPC分类号： G06K7/08

CPC分类号： G07F7/0886 ,  G06K7/08 ,  G06K7/084 ,  G06Q20/322 ,  G06Q20/347 ,  G06Q30/06

摘要： A method of transmitting information to a mobile device uses a card reader inside of a housing. The read head is positioned offset from a center of a magnetic strip when the card is in the slot and is in contact with a bottom of the slot. A card is slid in the slot. Data is read from the magnetic stripe. A raw magnetic signal is produced indicative of data stored on the magnetic stripe. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. An output jack signal is sent to the mobile device

摘要翻译： 向移动设备发送信息的方法在外壳内使用读卡器。 当卡位于槽中并且与槽的底部接触时，读头位于与磁条的中心偏移的位置。 卡片在插槽中滑动。 从磁条中读取数据。 产生指示存储在磁条上的数据的原始磁信号。 原始磁头信号被转换成微控制器可以解释的经处理的数字信号。 输出插孔信号被发送到移动设备

公开(公告)号：US20120126010A1

公开(公告)日：2012-05-24

申请号：US13298484

申请日：2011-11-17

申请人： Amish Babu ,  Kartik Lamba ,  Elliot John Patrick Sather ,  Adam David Peter Rothschild ,  Jack Dorsey ,  James M. McKelvey

发明人： Amish Babu ,  Kartik Lamba ,  Elliot John Patrick Sather ,  Adam David Peter Rothschild ,  Jack Dorsey ,  James M. McKelvey

IPC分类号： G06K7/08

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

摘要： A has a read head configured to be coupled to a mobile device. The read head has a slot for swiping a magnetic stripe of a card. The read head reads data on the magnetic stripe and produces a raw magnetic signal indicative of data stored on the magnetic stripe. Device electronics are provided with an analog front-end and a microcontroller. The analog to digital front end is coupled to a processing element in the microcontroller. The analog to digital front end receives a raw magnetic head signal and converts it into a processed digital signal that the microcontroller can interpret. The microcontroller produces a signal. An output jack is adapted to be inserted in a port of the mobile device and deliver an output jack signal to the mobile device.

摘要翻译： A具有被配置为耦合到移动设备的读取头。 读头具有用于刷卡的磁条的槽。 读取头读取磁条上的数据，并产生指示存储在磁条上的数据的原始磁信号。 器件电子器件提供模拟前端和微控制器。 模拟数字前端耦合到微控制器中的处理元件。 模拟数字前端接收原始磁头信号并将其转换为微控制器可解释的经处理的数字信号。 微控制器产生一个信号。 输出插孔适于插入到移动设备的端口中，并将输出插孔信号传送到移动设备。

公开(公告)号：US20120118956A1

公开(公告)日：2012-05-17

申请号：US13298534

申请日：2011-11-17

申请人： Kartik Lamba ,  Amish Babu ,  Michael Shyh-yen Ho ,  Adam David Peter Rothschild ,  Gerald Thomas Ryle ,  Jack Dorsey ,  James M. McKelvey

发明人： Kartik Lamba ,  Amish Babu ,  Michael Shyh-yen Ho ,  Adam David Peter Rothschild ,  Gerald Thomas Ryle ,  Jack Dorsey ,  James M. McKelvey

IPC分类号： G06K7/08 ,  G06K5/00

CPC分类号： G06Q20/3226 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/347 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

摘要： A method is provided of transmitting information with a communication protocol to a mobile device. A card reader is provided with a read head that has a slot for swiping a magnetic stripe of a card, an output jack and device electronics that includes a microcontroller. The read head is used to read data on a magnetic stripe of a card. A raw magnetic signal is produced indicative of data stored on the magnetic stripe. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. A synchronous Manchester encoded stream is produced that makes a greater number of 0 crossings. A Manchester encoded stream output jack signal is delivered to the mobile device through the output jack.

摘要翻译： 提供了一种通过通信协议向移动设备发送信息的方法。 读卡器具有读头，该读头具有用于刷卡的磁条的槽，输出插孔和包括微控制器的装置电子装置。 读头用于读取卡的磁条上的数据。 产生指示存储在磁条上的数据的原始磁信号。 原始磁头信号被转换成微控制器可以解释的经处理的数字信号。 产生同步的曼彻斯特编码流，其产生更多数量的0个交叉。 曼彻斯特编码流输出插孔信号通过输出插孔传送到移动设备。