发明申请
WO2011047038A2 SYSTEMS AND METHODS FOR CARD PRESENT TRANSACTION WITHOUT SHARING CARD INFORMATION
审中-公开
基本信息:
- 专利标题： SYSTEMS AND METHODS FOR CARD PRESENT TRANSACTION WITHOUT SHARING CARD INFORMATION
- 专利标题（中）：无共享卡信息的卡存在交易的系统和方法
- 申请号：PCT/US2010/052494 申请日：2010-10-13
- 公开(公告)号：WO2011047038A2 公开(公告)日：2011-04-21
- 发明人： MCKELVEY, James, M.
- 申请人： SQUARE, INC. , MCKELVEY, James, M.
- 申请人地址： 901 Mission Street, Suite 104 San Francisco, CA 94103 US
- 专利权人： SQUARE, INC.,MCKELVEY, James, M.
- 当前专利权人： SQUARE, INC.,MCKELVEY, James, M.
- 当前专利权人地址： 901 Mission Street, Suite 104 San Francisco, CA 94103 US
- 代理机构： XUE, David, T. et al.
- 优先权： US61/278,930 20091013
- 主分类号： G06Q20/00
- IPC分类号： G06Q20/00 ; G06Q40/00
摘要：
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.
摘要（中）：
提出了一种考虑系统和方法的新方法，以使个人能够通过连接到移动设备的读卡器扫描磁条卡来完成金融交易。 读卡器的尺寸被小型化以便于移动设备的连接。 读卡器被配置为以单个滑动中的最小误差可靠地读取编码在卡的磁条中的数据，并提供对应于读取到移动设备的数据的信号，移动设备然后对来自读卡器的输入信号进行解码， 作为完成金融交易的销售点设备。 这样的方法使得人可以成为微商（收款人）或买方/客户（付款人），而无需购买昂贵的读卡器设备或软件。