公开(公告)号：WO2015134385A2

公开(公告)日：2015-09-11

申请号：PCT/US2015/018307

申请日：2015-03-02

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： GUINEY, Christopher, A. ,  CARPENTER, Travis, M.

CPC classification number: G06Q20/4014 ,  G06Q20/347 ,  G06Q20/3821 ,  G06Q20/4018

Abstract: Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

Abstract translation: 用于接收与交易相关联的授权请求的方法和系统，所述授权请求包括支付帐号和卡验证值; 确定授权请求将被处理为具有动态卡验证值; 响应于将所述授权请求处理为具有动态卡验证值的确定，自动绕过要在所述授权请求的处理中使用的至少一个卡验证过程; 并将授权请求发送到卡验证器，以验证卡验证值与记录的动态卡验证值相匹配。 一些方法和系统包括将授权请求发送到支付网络以授权交易; 接收授权响应以回复所发送的授权请求; 以及向与所述交易相关联的商家提供所述授权响应的指示。

公开(公告)号：WO2014095362A1

公开(公告)日：2014-06-26

申请号：PCT/EP2013/075461

申请日：2013-12-04

Applicant: SQWIN SA

Inventor： GULCHENKO, Victor

IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/42 ,  G06F21/42

CPC classification number: G06Q20/347 ,  G06F21/42 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/327 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/425

Abstract: Verfahren zur Durchführung einer digitalen Transaktion über ein mobiles Endgerät, mit einem Kassensystem, das mit einem drahtlosen lokalen Netzwerk verbunden ist, umfassend die Schritte: - Erzeugen eines einmaligen digitalen Codes durch das Kassensystem, das zum Einleiten der Transaktion dient; - automatisches Freischalten eines Netzzugangs zum lokalen drahtlosen Netzwerk nach dem Erzeugen des einmaligen digitalen Codes, wobei der Zugriff auf das drahtlose Netzwerk durch den digitalen Code erlaubt wird; - Verbinden des mobilen Endgerätes mit dem lokalen Netzwerk mit Hilfe des digitale Codes und Bereitstellen von Informationen des Endgerätes an das Kassensystem, - Nach dem Erhalten der Informationen von dem Endgerät durch das Kassensystem erfolgt eine Freigabe der Transaktion durch das Kassensystem.

Abstract translation: 一种用于使用与连接到一个无线局域网的POS系统的移动终端中执行数字交易，其包括以下步骤的方法： - 产生由用于发起交易的POS系统中的唯一的数字代码; - 自动激活到本地无线网络的创建的一个唯一的数字代码，其中所述访问被允许通过所述数字码的无线网络的网络接口; - 通过对数字编码手段连接所述移动终端到所述本地网络，并提供所述终端向所述POS系统的信息， - 通过POS系统通过POS系统获得来自终端的信息的事务的批准后进行的。

公开(公告)号：WO2013123438A1

公开(公告)日：2013-08-22

申请号：PCT/US2013/026501

申请日：2013-02-15

Applicant: BLACKHAWK NETWORK, INC

Inventor： CAMPOS, Tomas Ariel ,  VAISH, Tushar ,  AGONCILLO-ANDRES, Sheila ,  PONNAM, Rajesh

IPC: G06Q20/36

CPC classification number: G06Q20/367 ,  G06Q20/12 ,  G06Q20/18 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/347 ,  G06Q20/349 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/3552 ,  G06Q20/36 ,  G06Q20/4012 ,  G06Q20/40145

Abstract: System and methods for using an electronic stored-value card are provided. A system comprises an electronic stored-value card, and a digital sticker associated with the electronic stored-value card. The digital sticker is configured to convey transaction information of the electronic storedvalue card to a processor or an issuer of the electronic stored-value card. A computer implemented method comprises associating a digital sticker with an electronic stored-value card, and conveying a transaction information of the electronic stored-value card to a processor or an issuer of the electronic stored-value card. A system comprises a memory configured to display information about a stored-value card and to initiate a registration of the stored-value card into an electronic wallet.

Abstract translation: 提供了使用电子储值卡的系统和方法。 系统包括电子储值卡和与电子储值卡相关联的数字贴纸。 数字标签被配置为将电子存储卡的交易信息传送到电子储值卡的处理器或发行者。 计算机实现的方法包括将数字标签与电子储值卡相关联，并将电子存储卡的交易信息传送到电子储值卡的处理器或发行者。 系统包括：存储器，被配置为显示关于存储值卡的信息，并且启动存储卡的注册到电子钱包中。

公开(公告)号：WO2012155031A1

公开(公告)日：2012-11-15

申请号：PCT/US2012/037485

申请日：2012-05-11

Applicant: KARRICK, Robert, A.

Inventor： KARRICK, Robert, A.

IPC: G06Q20/00

CPC classification number: G06Q10/00 ,  G06Q20/29 ,  G06Q20/3278 ,  G06Q20/347

Abstract: A method and system for eliminating a need for coins in cash transactions in most currencies includes a comparison of a sum of a fractional dollar amount of an original transaction amount of a cash transaction between a merchant and a consumer plus a beginning value of a consumer storage device to a value of either 1.00 or 2.00. The amount of the value depends on whether a sum of credits and debits incurred by the merchant is greater or less than or equal to a sum of per transaction fees. The original transaction amount is decreased or increased to the next whole dollar amount, thereby providing a new transaction amount, if it is determined that the sum of the fractional dollar amount of the original transaction amount plus the beginning value of the consumer storage device is greater or less than, respectively, the value assigned.

Abstract translation: 用于消除对大多数货币的现金交易中的硬币的需要的方法和系统包括：商家和消费者之间的现金交易的原始交易金额的分数美元金额与消费者存储的起始值的比较 设备的值为1.00或2.00。 价值的数额取决于商家所产生的信用和借方的总和是否大于或等于每笔交易费用的总和。 如果确定原始交易金额的分数美金加上消费者存储装置的开始价值的总和大于原始交易金额，则原始交易金额减少或增加到下一个整个美元金额，从而提供新的交易金额 或分别小于分配的值。

公开(公告)号：WO2012138432A1

公开(公告)日：2012-10-11

申请号：PCT/US2012/026612

申请日：2012-02-24

Applicant: HARDIEK, Scott J.

Inventor： HARDIEK, Scott J.

IPC: G06Q40/00

CPC classification number: G06Q20/347 ,  G06Q20/20

Abstract: A system and method for facilitating a value exchange using a universal identification card includes a payment exchange intermediary system server, a universal identification card having integrated identification information and a financial transaction card linked to the universal identification. The method encodes email account information on the universal identification card. The method links the financial transaction card with the universal identification card, engages the financial transaction card host provider via a communication network and links the identification of the card user with the universal identification card to facilitate the value exchange. The universal identification card is registered by associating the universal identification card with the financial transaction card.

Abstract translation: 用于促进使用通用识别卡的价值交换的系统和方法包括支付交换中介系统服务器，具有集成识别信息的通用识别卡和与通用标识相关联的金融交易卡。 该方法对通用识别卡上的电子邮件帐户信息进行编码。 该方法将金融交易卡与通用识别卡连接，通过通信网络与金融交易卡主机供应商联系，并将卡用户的识别与通用识别卡链接，以促进价值交换。 通用识别卡通过将通用识别卡与金融交易卡相关联来注册。

公开(公告)号：WO2012051073A2

公开(公告)日：2012-04-19

申请号：PCT/US2011/055402

申请日：2011-10-07

Applicant: SQUARE, INC. ,  DORSEY, Jack ,  HENDERSON, William ,  GRASSADONIA, Brian ,  MCKELVEY, James, M.

Inventor： DORSEY, Jack ,  HENDERSON, William ,  GRASSADONIA, Brian ,  MCKELVEY, James, M.

IPC: G06K7/08

CPC classification number: G06Q20/347 ,  G06Q20/322 ,  G06Q30/06 ,  G06Q30/0613 ,  G06Q40/02 ,  G07F7/0886

Abstract: A method is provided for conducing on-line purchases using a mobile device. A first party visits a second party on-line entity. The first party accesses a second party on-line entity. The first party is already registered with the payment service or becomes registered prior to the conclusion of completing a transaction. The mobile device is configured to communicate with the payment service. The first party considers conducting a transaction with the second party on-line entity. The second party on-line entity is registered with the payment service, or in response to the first party's desire to transact with the second party on-line entity, the second party on-line entity becomes registered with the payment service. The first party enters personal identifying information that is sent to the payment service. In response, the first party receives a push notification to the first party's mobile device that enables the first party to complete the transaction with the second party on-line entity.

Abstract translation: 提供了一种使用移动设备进行在线购买的方法。 第一方访问第二方在线实体。 第一方访问第二方在线实体。 第一方已经在支付服务上注册或者在完成交易之前注册。 移动设备被配置为与支付服务进行通信。 第一方考虑与第二方在线实体进行交易。 第二方联机实体向支付服务注册，或者响应第一方希望与第二方联机实体进行交易，第二方联机实体在支付服务中注册。 第一方输入发送给支付服务的个人识别信息。 作为响应，第一方接收推送通知给第一方的移动设备，使第一方能够与第二方在线实体完成交易。

公开(公告)号：WO2012051067A1

公开(公告)日：2012-04-19

申请号：PCT/US2011/055375

申请日：2011-10-07

Applicant: SQUARE, INC. ,  MCKELVEY, James, M. ,  WEN, Sam ,  DORSEY, Jack ,  BABU, Amish, Rajesh

Inventor： MCKELVEY, James, M. ,  WEN, Sam ,  DORSEY, Jack ,  BABU, Amish, Rajesh

IPC: G06K7/08

CPC classification number: G06K13/18 ,  G06Q20/322 ,  G06Q20/347 ,  G07F7/0886

Abstract: A read head system has a housing and a read positioned in the housing with a slot for swiping a magnetic stripe of a financial transaction card with the slot utilized to enable a financial transaction between a buyer and seller. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head includes an output jack configured to be coupled to at least one of a audio jack or microphone port of a mobile device. The read head provides the signal to the mobile device. The slot is oriented and sized to reduce torque applied on the read head as the financial transaction card is swiped through slot in order to maintain accuracy and reliability of the data read by the read head. Decoding of the signal is performed in the mobile device. The decoding includes determining pulses in the signal and converting at least some of the pulses to characters.

Abstract translation: 读头系统具有壳体和读取装置，该壳体具有槽，用于将金融交易卡的磁条与用于使得买方和卖方之间的金融交易的槽用于刷卡。 读头读取磁条上的数据，并产生指示存储在磁条上的数据的信号。 读头包括被配置为耦合到移动设备的音频插孔或麦克风端口中的至少一个的输出插孔。 读取头向移动设备提供信号。 当金融交易卡通过插槽滑动时，槽被定向和定尺寸以减小施加在读取头上的扭矩，以便保持由读取头读取的数据的准确性和可靠性。 在移动设备中执行信号的解码。 解码包括确定信号中的脉冲并将至少一些脉冲转换为字符。

公开(公告)号：WO2011047030A3

公开(公告)日：2011-10-20

申请号：PCT/US2010052483

申请日：2010-10-13

Applicant: SQUARE INC ,  WILSON MATT ,  WEN SAM

Inventor： WILSON MATT ,  WEN SAM

IPC: G06K7/08 ,  G06Q20/00 ,  H04B5/00

CPC classification number: G06Q20/204 ,  G06K7/087 ,  G06Q20/209 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/347 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/0886

Abstract: A new approach is proposed that contemplates systems and methods to enable an individual to complete a financial transaction by swiping a magnetic stripe card through a card reader connected to a mobile device. The size of the card reader is miniaturized to be portable for connection with the mobile device. The card reader is configured to reliably read data encoded in a magnetic strip of the card with minimum error in a single swipe and provide a signal that corresponds to the data read to the mobile device, which then decodes the incoming signal from the card reader and acts as a point-of-sale device to complete the financial transaction. Such an approach enables a person to become either a micro-merchant (payee) or a buyer/customer (payer) without having to purchase expensive card reader devices or software.

Abstract translation: 提出了一种新方法，其设想了使个人能够通过连接到移动设备的读卡器刷动磁条卡来完成金融交易的系统和方法。 读卡器的尺寸小型化，便于与移动设备连接。 读卡器被配置成在单次刷卡中以最小误差可靠地读取编码在卡的磁条中的数据，并提供与读取到移动设备的数据相对应的信号，移动设备随后解码来自读卡器的输入信号并且 充当销售点设备来完成金融交易。 这种方法使得人们不必购买昂贵的读卡器设备或软件就能成为微型商户（收款人）或买家/客户（付款人）。

公开(公告)号：WO2010144136A1

公开(公告)日：2010-12-16

申请号：PCT/US2010/001660

申请日：2010-06-09

Applicant: REM HOLDINGS 3, LLC ,  MORLEY, JR., Robert, E.

Inventor： MORLEY, JR., Robert, E.

IPC: G06K7/08

CPC classification number: G06K7/083 ,  G06K7/082 ,  G06Q20/325 ,  G06Q20/34 ,  G06Q20/347 ,  H04M2250/14

Abstract: A card reader device for reading a card having data stored on a magnetic stripe incorporated into the card is disclosed in which the card reader device comprises a read head for passing a magnetic stripe of a card by to read data stored on a magnetic stripe and for producing a signal indicative of data stored on a magnetic stripe, a signal setting device for setting an amplitude of the signal indicative of data stored on a magnetic stripe, and an output jack adapted to be inserted into a microphone input associated with a cell phone for providing the signal indicative of data stored on a magnetic stripe to a cell phone. Data stored on the card and sensed by the card reader device is decoded by components such as a microphone amplifier, an analog to digital converter, and a microprocessor already resident in a cell phone.

Abstract translation: 公开了一种用于读取存储在结合到卡中的磁条上的数据的卡的读卡器设备，其中读卡器设备包括读取头，用于通过卡的磁条来读取存储在磁条上的数据，并且 产生指示存储在磁条上的数据的信号，用于设置指示存储在磁条上的数据的信号的幅度的信号设置装置，以及适于插入到与蜂窝电话相关联的麦克风输入中的输出插孔， 将指示存储在磁条上的数据的信号提供给蜂窝电话。 存储在卡上并由读卡器设备感测的数据由诸如麦克风放大器，模数转换器和已经驻留在蜂窝电话中的微处理器之类的组件解码。

公开(公告)号：WO2010019908A2

公开(公告)日：2010-02-18

申请号：PCT/US2009053928

申请日：2009-08-14

Applicant: VISA USA INC ,  DIAMOND STEPHEN

Inventor： DIAMOND STEPHEN

IPC: G06Q20/00 ,  G06K17/00 ,  G06K19/00 ,  H04W88/02

CPC classification number: G06Q20/3278 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3276 ,  G06Q20/347 ,  G06Q20/353 ,  G06Q20/381

Abstract: A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.

Abstract translation: 无线移动通信装置读取可移动卡，并且可以传送对应于可移动卡的帐户，以便与无线移动通信装置的帐户进行与商家的无线交易。 可以在无线移动通信装置的显示屏幕上显示交易的总货币金额和交易后的帐户中的剩余余额。 可拆卸卡可以是带有磁条的礼品卡，该磁条具有编码到其中的帐户的标识符，当插入到可以是蜂窝电话或支持Web的便携式设备的无线移动通信装置中时将被读取。 磁条礼品卡可以基本上由纸构成，以便在使用后被一次性使用。