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    System for personalized payments via mobile devices
    1.
    发明授权
    System for personalized payments via mobile devices 有权
    通过移动设备进行个性化付款的系统

    公开(公告)号：US08762211B2

    公开(公告)日：2014-06-24

    申请号：US11964360

    申请日：2007-12-26

    申请人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Wong ,  Dana Lorberg ,  Carl Jansson

    发明人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Wong ,  Dana Lorberg ,  Carl Jansson

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/10 ,  G06Q20/0855 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3229 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/10

    摘要： A method includes receiving transaction information at a mobile device from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account.

    摘要翻译： 一种方法包括从商家设备在移动设备处接收交易信息。 交易信息包括交易金额和商家信息，其标识操作商家装置的商家。 该方法还包括在移动设备中生成资金转帐请求。 资金转移请求包括商家信息，指示交易金额的信息和标识商家的顾客的信息。 资金转账请求是要求将资金从属于客户的支付卡账户转移到属于商家的支付卡账户。 该方法还包括从移动设备将资金转账请求发送给发行客户支付卡账户的金融机构。

    SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES
    2.
    发明申请
    SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES 有权
    通过移动设备进行个人化付款的系统

    公开(公告)号：US20090094125A1

    公开(公告)日：2009-04-09

    申请号：US11964360

    申请日：2007-12-26

    申请人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Wong ,  Dana Lorberg ,  Carl Jansson

    发明人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Wong ,  Dana Lorberg ,  Carl Jansson

    IPC分类号： G06Q40/00 ,  G06Q20/00

    CPC分类号： G06Q20/10 ,  G06Q20/0855 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3229 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/10

    摘要： A method includes receiving transaction information at a mobile device from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account.

    摘要翻译： 一种方法包括从商家设备在移动设备处接收交易信息。 交易信息包括交易金额和商家信息，其标识操作商家装置的商家。 该方法还包括在移动设备中生成资金转帐请求。 资金转移请求包括商家信息，指示交易金额的信息和标识商家的顾客的信息。 资金转账请求是要求将资金从属于客户的支付卡账户转移到属于商家的支付卡账户。 该方法还包括从移动设备将资金转账请求发送给发行客户支付卡账户的金融机构。

    Dual use payment device
    5.
    发明授权
    Dual use payment device 有权
    双用支付设备

    公开(公告)号：US07575177B2

    公开(公告)日：2009-08-18

    申请号：US11964425

    申请日：2007-12-26

    申请人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Wong ,  Dana Lorberg

    发明人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Wong ,  Dana Lorberg

    IPC分类号： G06K7/10

    CPC分类号： G06Q20/10 ,  G06Q20/0855 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3229 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/10

    摘要： A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device.

    摘要翻译： 移动设备包括天线和耦合到天线的至少一个控制设备。 所述至少一个控制装置可选择性地在第一模式和第二模式中操作。 在第一模式中，至少一个控制装置经由天线将支付卡帐号发送到销售点终端。 在第二模式中，至少一个控制装置经由天线将消息发送到销售点终端，以请求销售点终端将交易信息下载到移动装置。