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    MOBILE PAYMENT SYSTEM AND METHOD
    1.
    发明申请
    MOBILE PAYMENT SYSTEM AND METHOD 审中-公开
    移动支付系统和方法

    公开(公告)号：US20080270301A1

    公开(公告)日：2008-10-30

    申请号：US11741243

    申请日：2007-04-27

    申请人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders ,  Brian T. Barnes

    发明人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders ,  Brian T. Barnes

    IPC分类号： G06Q40/00 ,  G06Q90/00

    CPC分类号： G06Q40/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/105 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3552 ,  G06Q20/425

    摘要： A method which enables a merchant to obtain payment for a purchase from a customer who uses a mobile communication device to make the purchase, including uploading an application program to the customer's mobile communication device, and receiving a request for payment from a merchant terminal. The request for payment includes an identification code of the customer's mobile communication device and a purchase amount. The method further includes transmitting a purchase message to the customer's mobile communication device, the purchase message including an identification of the merchant, the purchase amount, and a request for purchase confirmation. The method further includes receiving a response to the request for purchase confirmation transmitted from the customer's mobile communication device, and if the response to the request for purchase confirmation is affirmative, transmitting to the merchant terminal information identifying a financial account belonging to the customer.

    摘要翻译： 一种能够使商家从使用移动通信装置进行购买的客户获取购买付款的方法，包括向客户的移动通信装置上传应用程序，以及从商家终端接收支付请求。 付款请求包括客户移动通信设备的识别码和购买金额。 该方法还包括向客户的移动通信设备发送购买消息，购买消息包括商家的标识，购买金额和购买确认请求。 该方法还包括接收从客户的移动通信设备发送的对购买确认请求的响应，并且如果对购买确认请求的响应是肯定的，则向商家终端发送标识属于该客户的金融账户的信息。

    SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS
    2.
    发明申请
    SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS 有权
    通过无线通信执行人员转移的系统和方法

    公开(公告)号：US20080270300A1

    公开(公告)日：2008-10-30

    申请号：US11741170

    申请日：2007-04-27

    申请人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    发明人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/10 ,  G06Q20/105 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q40/02

    摘要： A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller. Additionally, the control logic includes program code for causing the processor to provide a payment acknowledgment to the buyer's mobile telephone and to the seller.

    摘要翻译： 资金转移系统包括处理器和存储控制逻辑的存储器，用于使处理器使得买方能够经由移动电话向卖方转移资金。 控制逻辑包括用于使处理器接收从买方的移动电话发送的支付请求的程序代码。 付款请求是将资金从买方持有的金融账户转移到卖方持有的金融账户，并且从存储在买方移动电话中的支付应用程序发送支付请求。 付款请求确定要转移的购买金额，以及识别买方持有的金融账户的信息。 控制逻辑还包括用于使处理器向购买者持有的金融账户收取购买金额并将购买金额转移到卖方持有的金融账户的程序代码。 此外，控制逻辑包括用于使处理器向买方的移动电话和卖方提供支付确认的程序代码。

    System and method for performing person-to-person funds transfers via wireless communications
    4.
    发明授权
    System and method for performing person-to-person funds transfers via wireless communications 有权
    通过无线通信执行个人到个人资金转移的系统和方法

    公开(公告)号：US08688570B2

    公开(公告)日：2014-04-01

    申请号：US11741170

    申请日：2007-04-27

    申请人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    发明人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    IPC分类号： G06Q40/00 ,  G06K5/00

    CPC分类号： G06Q20/10 ,  G06Q20/105 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q40/02

    摘要： A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller. Additionally, the control logic includes program code for causing the processor to provide a payment acknowledgment to the buyer's mobile telephone and to the seller.

    摘要翻译： 资金转移系统包括处理器和存储控制逻辑的存储器，用于使处理器使得买方能够经由移动电话向卖方转移资金。 控制逻辑包括用于使处理器接收从买方的移动电话发送的支付请求的程序代码。 付款请求是将资金从买方持有的金融账户转移到卖方持有的金融账户，并且从存储在买方移动电话中的支付应用程序发送支付请求。 付款请求确定要转移的购买金额，以及识别买方持有的金融账户的信息。 控制逻辑还包括用于使处理器向购买者持有的金融账户收取购买金额并将购买金额转移到卖方持有的金融账户的程序代码。 此外，控制逻辑包括用于使处理器向买方的移动电话和卖方提供支付确认的程序代码。