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    Facilitating mobile device payments using product code scanning
    7.
    发明授权
    Facilitating mobile device payments using product code scanning 有权
    使用产品代码扫描促进移动设备付款

    公开(公告)号：US09367841B2

    公开(公告)日：2016-06-14

    申请号：US13185491

    申请日：2011-07-18

    申请人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

    发明人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

    IPC分类号： G06Q20/32 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/34 ,  G07F7/08 ,  G07F7/10 ,  G07F7/12 ,  G07F7/02 ,  G07F17/42 ,  G07G5/00 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q30/02 ,  G06K7/10 ,  G06K19/06

    CPC分类号： G06Q20/3274 ,  G06K7/1095 ,  G06K19/06112 ,  G06Q20/32 ,  G06Q20/401 ,  G06Q30/0267 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0641

    摘要： Provided are computer implemented methods and systems for facilitating mobile device payments using barcodes displayed on mobile devices and scanned by merchants at checkout counters. When a customer is ready to tender a payment to a merchant, instead of using a credit card, cash, or check, the customer activates an application on his mobile device. The mobile device includes or obtains information about the payment system of this merchant. Furthermore, the mobile device includes or obtains information about the customer/mobile device user and then uses these two pieces of information to generate and display a barcode that encodes customer payment information specific to this merchant. The barcode is scanned at the checkout counter and processed to retrieve customer records from a database of the payment processing system. These records are then used to transfer funds between the merchant and customer, obtain discounts, and/or perform other retail transactions.

    摘要翻译： 提供的是计算机实现的方法和系统，用于使用移动设备上显示的条形码进行移动设备支付，并在结帐柜台上由商家进行扫描。 当客户准备向商家投标付款时，客户不用使用信用卡，现金或支票来激活他的移动设备上的应用程序。 移动设备包括或获得关于该商家的支付系统的信息。 此外，移动设备包括或获取关于客户/移动设备用户的信息，然后使用这两条信息来生成和显示对该商家特有的客户支付信息进行编码的条形码。 条形码在结帐计数器处扫描，并处理以从支付处理系统的数据库中检索客户记录。 这些记录然后用于在商家和客户之间转移资金，获得折扣和/或执行其他零售交易。

    ONE-SCAN AND ONE-TOUCH PAYMENT AND BUYING USING HAPTIC CONTROL VIA MESSAGING AND CALLING MULTIMEDIA SYSTEM ON MOBILE AND WEARABLE DEVICE, CURRENCY TOKEN INTERFACE, POINT OF SALE DEVICE, AND ELECTRONIC PAYMENT CARD
    9.
    发明申请
    ONE-SCAN AND ONE-TOUCH PAYMENT AND BUYING USING HAPTIC CONTROL VIA MESSAGING AND CALLING MULTIMEDIA SYSTEM ON MOBILE AND WEARABLE DEVICE, CURRENCY TOKEN INTERFACE, POINT OF SALE DEVICE, AND ELECTRONIC PAYMENT CARD 审中-公开
    单扫描和单触笔付款和购买使用移动和呼叫多媒体系统在移动和可穿戴设备，货币接口，销售设备点和电子支付卡使用通话控制

    公开(公告)号：US20160110695A1

    公开(公告)日：2016-04-21

    申请号：US14979613

    申请日：2015-12-28

    申请人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

    发明人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

    IPC分类号： G06Q20/10 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q20/06 ,  G06Q20/32

    CPC分类号： G06Q20/382 ,  G06Q20/12 ,  G06Q20/322 ,  G06Q20/3274 ,  G06Q20/3278 ,  G06Q20/356 ,  G06Q20/388 ,  G06Q20/40145

    摘要： Provided are computer implemented methods and systems for messaging, calling, and one-touch and one-scan payments and buying via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide a haptic control associated with the system. The haptic control is shown on a display of a mobile and wearable device overlapping other visual elements. The haptic control provides mode selection elements associated with a payment, messaging, and calling modes. The processor receives a selection of the payment mode via the mode selection elements from a user. Upon the selection, context is extracted from the display. Based on the context, a payment transaction type which the user intends to perform is determined. The payment transaction type includes a payment receiving transaction and a payment sending transaction. Based on the determining, a transaction request is sent to a financial institution using the extraction.

    摘要翻译： 提供的是计算机实现的方法和系统，用于通过移动和可穿戴设备的消息，呼叫和一键式和一次扫描付款和购买。 示例性系统包括与处理器通信的处理器和数据库。 处理器被配置为提供与系统相关联的触觉控制。 触觉控制显示在与其他视觉元素重叠的移动和可穿戴设备的显示器上。 触觉控制提供与支付，消息传递和呼叫模式相关联的模式选择元素。 处理器经由来自用户的模式选择元素接收支付模式的选择。 在选择时，从显示中提取上下文。 基于上下文，确定用户打算执行的支付交易类型。 支付交易类型包括支付接收交易和支付发送交易。 根据确定，使用提取将交易请求发送给金融机构。