公开(公告)号：WO2008049186A1

公开(公告)日：2008-05-02

申请号：PCT/CA2006/001722

申请日：2006-10-23

Applicant: DAROGA, Behruz, Nader

Inventor： DAROGA, Behruz, Nader

IPC: G07F19/00 ,  G07F7/10 ,  H04L9/32

CPC classification number: G07F19/201 ,  G06Q20/327 ,  G06Q20/3272 ,  G06Q20/347 ,  G06Q20/4014 ,  G07F7/10 ,  G07F7/1075 ,  G07F19/20

Abstract: This invention describes a hand held digital transceiver to transmit a signal as light (visible and invisible) or sound (audible and inaudible) or other digitized code for alphanumeric in any language, special characters or symbols or graphic or pictures or any combination thereof, to the ATM that is equipped with a compatible digital transceiver card. This card can transmit and receive the said signals and codes using a driver and/or firmware for the operation, management and maintenance of this security system. Upon verification, of the transmitted code, by the ATM, access is granted. The ATM then transmits a randomly selected new code of any combination of the codes or signals stated above to the transceiver for storage in the said transceiver and recording on the client card. The said transmission from the ATM cannot be stored in any other hand held transceiver located within range of the transmission.

Abstract translation: 本发明描述了一种手持式数字收发器，用于以任何语言，特殊字符或符号或图形或图片或其任何组合的方式将信号作为光（可见和不可见）或声音（可听和听不到）或其他数字化代码用于字母数字，以 配有兼容数字收发器卡的ATM。 该卡可以使用用于该安全系统的操作，管理和维护的驱动程序和/或固件来发送和接收所述信号和代码。 在通过ATM验证发送的代码后，可以进行访问。 ATM然后将上述代码或信号的任意组合的随机选择的新代码发送到收发器以存储在所述收发器中并在客户端卡上进行记录。 来自ATM的所述传输不能存储在位于传输范围内的任何其它手持式收发器中。

公开(公告)号：WO2008013657A3

公开(公告)日：2008-04-03

申请号：PCT/US2007015306

申请日：2007-06-27

Applicant: PLANET PAYMENT INC ,  BECK PHILIP D

Inventor： BECK PHILIP D

IPC: G10L15/00 ,  G10L15/28

CPC classification number: G06Q20/12 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3272 ,  G06Q20/381 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/00 ,  H04M3/4938

Abstract: A speech application implements a telephone-based commerce system and method which complements a core payment processing business and influences banks and other key partners to conduct such electronic business and commerce. The speech application includes a speech driven telephone interface for consumer shopping and order placement of commodity items; a consumer registration interface and secure process that ties in a credit card, debit card, or bank account; and a build-your-own-voice-store web application which includes a voice user interface with interactive voice response tailoring each voice store within the speech framework of the present invention and an inventory database. Multi-currency services, permitting pricing or payment in any chosen currency, as well as multiple spoken language processing of voice inputs are supported for performing voice commerce over telephones.

公开(公告)号：WO2006009412A1

公开(公告)日：2006-01-26

申请号：PCT/KR2005/002384

申请日：2005-07-22

Applicant: JO, Bea Su ,  LEE, Sang Kook

Inventor： LEE, Sang Kook

IPC: G06F17/60

CPC classification number: G06Q20/02 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/3272 ,  G06Q20/388

Abstract: Disclosed is a mutual authentication and settlement system using a mobile communication terminal for performing financial transaction between a mobile communication terminal of a transmitting side and a mobile communication terminal of a receiving side through a mobile communication system. The system includes a settlement server connected to the mobile communication network that processes data exchange between the transmitting side and the receiving side, wherein the settlement server establishes a call connection between the mobile communication terminal of the transmitting side and the mobile communication terminal of the receiving side, requests a financial institution to inquire settlement accounts of the transmitting side and the receiving side and requests the financial institution to settle a financial fund according a settlement request from the transmitting side or the receiving side, and processes the financial transaction requested between the mobile communication terminal of the transmitting side and the mobile communication terminal of the receiving side by requesting and confirming established authentication for the mobile communication terminal of the transmitting side and the mobile communication terminal of the receiving side.

Abstract translation: 公开了一种使用移动通信终端的相互验证和结算系统，用于通过移动通信系统在发送侧的移动通信终端与接收侧的移动通信终端之间进行金融交易。 该系统包括连接到移动通信网络的结算服务器，处理发送侧和接收侧之间的数据交换，其中结算服务器在发送侧的移动通信终端与接收方的移动通信终端之间建立呼叫连接 要求金融机构查询发送方和接收方的结算账户，并要求金融机构根据发送方或接收方的结算请求结算金融资金，并处理移动电话之间请求的金融交易 发送侧的通信终端和接收侧的移动通信终端，通过请求并确认发送侧的移动通信终端和接收侧的移动通信终端的已建立的认证。

公开(公告)号：WO2004023366A1

公开(公告)日：2004-03-18

申请号：PCT/KR2003/001802

申请日：2003-09-03

Applicant: SMARTINT CO., LTD. ,  KIM, Choong-Ki

Inventor： KIM, Choong-Ki

IPC: G06F17/60

CPC classification number: G06Q20/04 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3272

Abstract: The present invention relates to an electronic payment system and method thereof. The system can execute electronic payment without adding parts to a conventional cellular phone. It is comprised of: (1) a cellular phone; (2) an answering machine which transmits information to a cellular phone diverting sound, embodying a cellular phone's user ID, credit card information, a cellular phone's number, and a variety of electronic payment information, setting up a cellular phone and calling, and decoding the electronic payment information of the user's cellular phone; (3) a receiving device which execute thes the electronic payment, decoding the related electronic payment information included in sound inputted through a cellular phone.

Abstract translation: 本发明涉及电子支付系统及其方法。 该系统可以执行电子支付而不向常规蜂窝电话添加部件。 它包括：（1）蜂窝电话; （2）一种应答机，其将信息发送到移动电话转移声音，体现蜂窝电话的用户ID，信用卡信息，蜂窝电话号码和各种电子支付信息，建立蜂窝电话并进行呼叫和解码 用户手机的电子支付信息; （3）执行电子支付的接收装置，对包含在通过蜂窝电话输入的声音中的相关电子支付信息进行解码。

公开(公告)号：WO2003100693A1

公开(公告)日：2003-12-04

申请号：PCT/US2003/015855

申请日：2003-05-20

Applicant: TEKELEC ,  BENEDYK, Robby, Darren ,  GRANT, Cory, Andrew ,  MARSICO, Peter, Joseph

Inventor： BENEDYK, Robby, Darren ,  GRANT, Cory, Andrew ,  MARSICO, Peter, Joseph

IPC: G06F17/60

CPC classification number: H04M15/854 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/3272 ,  G06Q20/403 ,  G06Q20/425 ,  G06Q30/06 ,  H04M15/68 ,  H04M2215/0196 ,  H04M2215/2026 ,  H04M2215/32 ,  H04M2215/8166 ,  H04W4/24

Abstract: Methods and systems for performing sales transactions using a mobile communications device and without requiring text messaging or paging services are disclosed. In one example, a subscriber desiring to purchase goods or services proceeds to a point of sale device (125) where the purchase price for the goods or services is totaled. The subscriber then initiates a voice call with a central transaction server (108). The subscriber provides a point of sale device identifier and the purchase price to the central transaction server (108). The central transaction server (108) contacts a local transaction server (120) using the identifier provided by the subscriber. The central transaction server (108) also prompts the subscriber to select the payment account for the transaction and verifies that the subscriber has sufficient credit to purchase the goods or services. The central transaction server (108) locates a pending transaction entry in a database (122) local to the point of sale using the device identifier provided by the subscriber. Upon locating the pending transaction entry and verifying that the subscriber has sufficient credit, the central transaction server (108) notifies the subscriber and the point of sale device (125) that the transaction is complete.

Abstract translation: 公开了使用移动通信设备执行销售交易并且不需要文本消息或寻呼服务的方法和系统。 在一个示例中，希望购买商品或服务的订户进入销售商品（125），其中商品或服务的购买价格被合计。 用户然后发起与中央交易服务器（108）的语音呼叫。 订户向中央交易服务器（108）提供销售点设备标识符和购买价格。 中央交易服务器（108）使用订户提供的标识符与本地交易服务器（120）联系。 中央交易服务器（108）还提示订户选择交易的支付帐户，并验证订户是否有足够的信用来购买商品或服务。 中央交易服务器（108）使用由订户提供的设备标识符将待处理的交易条目定位在销售点本地的数据库（122）中。 在定位待处理的交易条目并且验证订户具有足够的信用时，中央交易服务器（108）通知用户和销售点设备（125）交易完成。

公开(公告)号：WO0205078A2

公开(公告)日：2002-01-17

申请号：PCT/US0141049

申请日：2001-06-18

Applicant: QUALCOMM INC

Inventor： ROSE GREGORY ,  ANTONIO FRANKLIN P

IPC: G06F21/32 ,  G06Q20/32 ,  G10L15/00 ,  G10L15/28 ,  G10L17/00 ,  H04L9/32 ,  G06F1/00

CPC classification number: G06F21/32 ,  G06Q20/3272

Abstract: Method and apparatus for allowing persons to securely identify themselves in electronic commerce and transactions involving other parties. A token stores or determines a set of cryptographic signatures and uses a sound component to generate a unique audible tone representative of a cryptographic signature. The audible tone is conveyed to a party requesting authentication of the token holder, whereupon the party determines whether the information conveyed by the audible tone exists in a database of identities.

Abstract translation: 允许人们在电子商务和涉及其他方的交易中安全地识别自己的方法和装置。 令牌存储或确定一组加密签名并使用声音分量来生成代表密码签名的独特的可听音。 可听音被传送给请求令牌持有者的认证的一方，于是该方确定由可听音调传送的信息是否存在于身份数据库中。

公开(公告)号：WO2018156619A1

公开(公告)日：2018-08-30

申请号：PCT/US2018/019006

申请日：2018-02-21

Applicant: ALIBABA GROUP HOLDING LIMITED

Inventor： JIN, Yukang ,  CHEN, Aiqing ,  GONG, Wenhua ,  XU, Hanbin

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/40

CPC classification number: G06Q20/40145 ,  G06Q20/322 ,  G06Q20/3272 ,  G06Q20/3274

Abstract: A method and an apparatus of payment processing, a transaction method and a mobile device are disclosed. The payment processing method includes collecting an audio signal; obtaining a graphic code, wherein the graphic code is generated based on a predetermined account and a number recognized from the audio signal, the number being used for indicating an amount to be paid and the predetermined account being an account that is to have a payment activity; and displaying the graphic code, wherein the graphic code is used for triggering the payment activity with the predetermined account to complete a payment of the amount corresponding to the number upon being scanned. The present disclosure solves the technical problems of a relatively low efficiency of offline transaction processes caused by the need of manual entry of a payment account for each offline payment.

公开(公告)号：WO2018048661A1

公开(公告)日：2018-03-15

申请号：PCT/US2017/048996

申请日：2017-08-29

Applicant: AMAZON TECHNOLOGIES, INC.

Inventor： GONZALEZ, Ivan Eduardo ,  ALLURI, Anjaneya Varma ,  BUBICA, Jordan ,  MANNAM, Vamshi ,  PAREKH, Dhaval ,  SCHOLTEN, Derek Andrew ,  XU, Fengliang

IPC: G06Q30/06 ,  G07G1/00 ,  G06Q20/32

CPC classification number: G06K7/10861 ,  G06K2007/10524 ,  G06Q20/20 ,  G06Q20/3272 ,  G06Q20/3274 ,  G06Q30/0617 ,  G06Q30/0633 ,  G07G1/0045 ,  G10L19/018

Abstract: Disclosed are various embodiments for detecting item scans with audio signal processing. A first machine-readable identifier may be rendered in a display device associated with at least one computing device, where the first machinereadable identifier is associated with a first item in a list of items. An audio signal may be captured using a microphone and analyzed to identify a predetermined tone in the audio signal indicative of a scan being performed on a register device. In response to the predetermined tone in the audio signal being identified, the first machine-readable identifier may be replaced with a second machine-readable identifier in the display device, where the second machine-readable identifier is associated with a second item in the list of items.

Abstract translation: 公开了用于利用音频信号处理来检测物品扫描的各种实施例。 第一机器可读标识符可被呈现在与至少一个计算设备相关联的显示设备中，其中第一机器可读标识符与项目列表中的第一项目相关联。 可以使用麦克风来捕获音频信号并且分析该音频信号以识别指示正在寄存器设备上执行的扫描的音频信号中的预定音调。 响应于正被识别的音频信号中的预定音调，第一机器可读标识符可以被显示设备中的第二机器可读标识符替换，其中第二机器可读标识符与列表中的第二项目相关联 的项目。

公开(公告)号：WO2016028823A1

公开(公告)日：2016-02-25

申请号：PCT/US2015/045772

申请日：2015-08-18

Applicant: SQUARE, INC.

Inventor： SKOOG, Lukas

IPC: G07F7/08

CPC classification number: G06Q20/3272 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/322 ,  G07F7/0873 ,  G07F7/0886

Abstract: A payment card reader connected to an audio port of a mobile computing device may include a card interface, the card interface configured to read data from a payment card; a TRRS connector to couple the payment card reader with the mobile computing device; and an audio interface circuit coupled with the TRRS connector. The audio interface circuit may include a communication circuit configured to transmit data to and receive data from the mobile computing device via the TRRS connector and an energy harvesting circuit configured to receive an audio signal via the TRRS connector, to harvest energy from the audio signal, and to provide energy to other components of the card reader.

Abstract translation: 连接到移动计算设备的音频端口的支付卡读取器可以包括卡接口，该卡接口被配置为从支付卡读取数据; 用于将支付卡读卡器与移动计算设备耦合的TRRS连接器; 以及与TRRS连接器耦合的音频接口电路。 音频接口电路可以包括通信电路，其被配置为经由TRRS连接器向移动计算设备发送数据并从数据接收数据;以及能量收集电路，其被配置为经由TRRS连接器接收音频信号，以从音频信号收集能量， 并向读卡器的其他部件提供能量。

公开(公告)号：WO2015095327A1

公开(公告)日：2015-06-25

申请号：PCT/US2014/070856

申请日：2014-12-17

Applicant: MOZIDO, INC.

Inventor： LOVE, Mike ,  HARWOOD, Teri ,  BACASTOW, Steve

IPC: H04L9/00 ,  G06Q20/00

CPC classification number: G06Q20/3224 ,  G06Q20/327 ,  G06Q20/3272

Abstract: A system, method and apparatus for the identification of users and devices based on proximity. More specifically, embodiments of the present invention relate to identifying registered devices and users using a combination of components, factors and technologies including geo location, sound, and low energy Bluetooth. Further embodiments include the transacting of payments between registered users that are within a specified proximity of each other.

Abstract translation: 一种基于接近度识别用户和设备的系统，方法和装置。 更具体地，本发明的实施例涉及使用包括地理位置，声音和低能量蓝牙的组件，因素和技术的组合来识别注册的设备和用户。 另外的实施例包括在彼此指定的接近度内的注册用户之间的支付的交易。