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1.发明授权System and method for utilizing a mobile device to obtain a balance on a financial transaction instrument 有权利用移动设备在金融交易工具上获得余额的系统和方法公开(公告)号：US07635083B2
公开(公告)日：2009-12-22
申请号：US11523186
申请日：2006-09-19
IPC分类号： G06F17/60
CPC分类号： G07F7/02 , G06Q20/3437 , G06Q20/403
摘要： The balance of funds remaining for a stored-value card (“SVC”) may easily be determined without going through an actual purchase transaction with the SVC. The balance is obtained wirelessly from a server storing information pertaining to SVCs, and may be provided in a discreet manner. A card reader adds a card security code to a card number read from the SVC, and encrypts the card number and the CSC. The encrypted information is wirelessly sent to a cellular telephone. The cellular telephone decrypts the encrypted information and wirelessly transmits a balance-information request, which includes the card number and the CSC, to the server. The server receives the request and wirelessly sends the requested balance information to the cellular telephone and, in turn, the cellular telephone wirelessly sends the requested balance information to the card reader, which provides the information to the requester.
摘要翻译： 储值卡余额（“SVC”）可以很容易地确定，而无需通过与SVC的实际购买交易。 从存储有关SVC的信息的服务器无线地获得余额，并且可以以谨慎的方式提供。 读卡器将卡安全码添加到从SVC读取的卡号，并对卡号和CSC进行加密。 加密的信息被无线发送到蜂窝电话。 蜂窝电话解密加密的信息，并将包括卡号和CSC的余额信息请求无线地发送到服务器。 服务器接收请求，并将所请求的余额信息无线发送到蜂窝电话，而蜂窝电话又将所请求的余额信息无线地发送给向读卡者提供信息的读卡器。
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2.发明申请System and method for utilizing a mobile device to obtain a balance on a financial transaction instrument 有权利用移动设备在金融交易工具上获得余额的系统和方法公开(公告)号：US20070194104A1
公开(公告)日：2007-08-23
申请号：US11523186
申请日：2006-09-19
CPC分类号： G07F7/02 , G06Q20/3437 , G06Q20/403
摘要： The balance of funds remaining for a stored-value card (“SVC”) may easily be determined without going through an actual purchase transaction with the SVC. The balance is obtained wirelessly from a server storing information pertaining to SVCs, and may be provided in a discreet manner. A card reader adds a card security code to a card number read from the SVC, and encrypts the card number and the CSC. The encrypted information is wirelessly sent to a cellular telephone. The cellular telephone decrypts the encrypted information and wirelessly transmits a balance-information request, which includes the card number and the CSC, to the server. The server receives the request and wirelessly sends the requested balance information to the cellular telephone and, in turn, the cellular telephone wirelessly sends the requested balance information to the card reader, which provides the information to the requester.
摘要翻译： 储值卡余额（“SVC”）可以很容易地确定，而无需通过与SVC的实际购买交易。 从存储有关SVC的信息的服务器无线地获得余额，并且可以以谨慎的方式提供。 读卡器将卡安全码添加到从SVC读取的卡号，并对卡号和CSC进行加密。 加密的信息被无线发送到蜂窝电话。 蜂窝电话解密加密的信息，并将包括卡号和CSC的余额信息请求无线地发送到服务器。 服务器接收请求，并将所请求的余额信息无线发送到蜂窝电话，而蜂窝电话又将请求的余额信息无线地发送给读卡器，该读卡器向请求者提供信息。
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