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71. 发明申请

WO2016081804A1 CARD READER HAVING DISCRIMINATOR CONTACT 审中-公开
标题翻译：具有辨识器联系人的读卡器
公开(公告)号：WO2016081804A1
公开(公告)日：2016-05-26
申请号：PCT/US2015/061771
申请日：2015-11-20
申请人： SQUARE, INC.
发明人： LAMFALUSI, Michael, C. , LAMBA, Kartik
IPC分类号： G06Q20/34
CPC分类号： G06K7/0086 , G06K7/0004 , G06K7/0026 , G06K7/084 , G06K13/0875 , G06Q20/20 , G07F7/088 , G07G1/01
摘要： A card reader for a point-of-sale system that is configured to accept both magnetic strip-type and integrated circuit (IC) chip-type payment cards. The card reader is a component of a point-of-sale system including a portable computing device in communication with the card reader that is configured to present a first graphical user interface (GUI) when a magnetic stripe-type card is detected and a second GUI when an IC chip-type card is detected in the card reader. The card reader comprises a slot configured to receive the payment card, a magnetic reading device and an IC chip reading device. The card reader also includes a discriminator contact disposed within the slot that is configured to conduct across a surface of a metal pad of the IC chip-type card prior to the CI chip reading device making contact with the IC chip.
摘要翻译：用于销售点系统的读卡器，其被配置为接受磁条型和集成电路（IC）芯片型支付卡。读卡器是销售点系统的组件，其包括与读卡器通信的便携式计算设备，其被配置为当检测到磁条型卡时呈现第一图形用户界面（GUI），并且第二在读卡器中检测到IC芯片型卡时，GUI。读卡器包括配置成接收支付卡的插槽，磁读取装置和IC芯片读取装置。读卡器还包括设置在槽内的鉴别器触点，其被配置为在CI芯片读取装置与IC芯片接触之前横穿IC芯片型卡的金属焊盘的表面。

72. 发明申请

WO2016011170A1 TWO-FACTOR AUTHENTICATION WITH PUSH NOTIFICATION FOR A SECURITY CODE 审中-公开
标题翻译：用于安全代码的双向通知的双因素认证
公开(公告)号：WO2016011170A1
公开(公告)日：2016-01-21
申请号：PCT/US2015/040601
申请日：2015-07-15
申请人： SQUARE, INC.
发明人： TAYLOR, Jotham M. , FEDERMAN, Daniel S.
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q20/38
CPC分类号： H04L63/08 , G06F21/42 , G06Q20/32 , G06Q20/40 , G06Q20/4014 , G06Q20/42 , H04L51/00 , H04L63/083 , H04L63/0853
摘要： Disclosed is a technology for password-free account authentication. The technology includes utilizing a mobile device running an application ("App") associated with a payment service (PS) system. Using the App, a user can enter an addressable handle, which is transmitted to the PS system. The PS system identifies an account state, based on the receipt of the addressable handle, for example, whether the addressable handle corresponds to a user's system account and device. A first authentication factor is based on the knowledge that the user is in possession of and has access to a device that corresponds to the user and the addressable handle. The PS system pushes a notification to the corresponding device, based on the account state, prompting entry of a security code. Receipt of a security code that corresponds to a payment card linked to the user's system account serves as a second authentication factor.
摘要翻译：公开了一种无密码帐户认证的技术。该技术包括利用运行与支付服务（PS）系统相关联的应用（“App”）的移动设备。使用App，用户可以输入可发送到PS系统的可寻址句柄。 PS系统基于可寻址句柄的接收来识别帐户状态，例如，可寻址句柄是否对应于用户的系统帐户和设备。第一认证因素基于用户拥有并且可以访问对应于用户的设备和可寻址句柄的知识。 PS系统根据帐户状态将通知推送到相应的设备，提示输入安全码。接收对应于与用户系统帐户相关联的支付卡的安全码作为第二认证因素。

73. 发明申请

WO2015195890A1 COMPUTING DISTANCES OF DEVICES 审中-公开
标题翻译：计算设备的距离
公开(公告)号：WO2015195890A1
公开(公告)日：2015-12-23
申请号：PCT/US2015/036392
申请日：2015-06-18
申请人： SQUARE, INC.
发明人： CHATTERJEE, Shuvo , THOLE, Michael
IPC分类号： H04B17/00
CPC分类号： G06Q20/327 , G06Q20/3224 , H04M1/72569 , H04M1/72572 , H04W4/023
摘要： Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for computing distance between devices. In one aspect, a method includes the actions of determining an approximate distance between a merchant computer and a customer device based on a strength of a wireless signal associated with data transmitted and received between the merchant device and customer device. The actions further include validating the approximate distance based on signals from a plurality of motion sensors of the customer device to generate a validated distance. The actions further include generating a list with the one or more customers ranked in the list based on the validated distance. The actions further include presenting, on the merchant device, the list of the one or more customers.
摘要翻译：方法，系统和装置，包括在计算机存储介质上编码的计算机程序，用于计算设备之间的距离。一方面，一种方法包括基于与商户设备和客户设备之间发送和接收的数据相关联的无线信号的强度来确定商家计算机和客户设备之间的近似距离的动作。所述动作还包括基于来自所述客户设备的多个运动传感器的信号来验证所述近似距离以产生经验证的距离。所述动作还包括基于经验证的距离来生成列表中列出的一个或多个客户的列表。所述动作还包括在所述商家设备上呈现所述一个或多个客户的列表。

74. 发明申请

WO2015191468A1 CONTROLLING ACCESS BASED ON DISPLAY ORIENTATION 审中-公开
标题翻译：基于显示方向控制访问
公开(公告)号：WO2015191468A1
公开(公告)日：2015-12-17
申请号：PCT/US2015/034727
申请日：2015-06-08
申请人： SQUARE, INC.
发明人： MOCKO, Christopher, Lang , WHITE, Michael, Wells , VAN ESSEN, Kyle
IPC分类号： G06F3/00
CPC分类号： G06F3/04817 , G06F1/1601 , G06F1/1649 , G06F3/0484 , G06F3/0487 , G06F3/0488 , G06F9/454 , G06F21/32 , G06F2200/1614 , G06F2200/1637 , G06Q30/06 , G07G1/0018 , G07G1/12
摘要： In some examples, a merchant device may control access to features based on an orientation of a display. For instance, the merchant device may present a first user interface (UI) for enabling a merchant to enter transaction information. Subsequently, the merchant device may present a second UI to enable the buyer to interact toward completion of the transaction, and the merchant may change the orientation of the display to face the buyer. While the display is oriented in the buyer direction, access to the merchant UI is prevented, thereby preventing initiation of a new transaction, cancelation of transaction, etc. When the display is returned to the first orientation, i.e., facing the merchant, the merchant device may enable certain UI features such as for initiating a new transaction, canceling a transaction, or perform other functions that a buyer may have been restricted from performing.
摘要翻译：在一些示例中，商家设备可以基于显示器的取向来控制对特征的访问。例如，商家设备可以呈现用于使商家能够输入交易信息的第一用户界面（UI）。随后，商家设备可以呈现第二UI以使得买方能够完成交易，并且商家可以改变显示器的朝向买方的方位。当显示器以买方的方向取向时，防止对商户UI的访问，从而防止新交易的启动，交易的取消等。当显示返回到第一方向，即面向商家时，商家设备可能启用某些UI功能，例如启动新的交易，取消交易或执行买方可能被限制执行的其他功能。

75. 发明申请

WO2015179316A1 TRANSACTION INFORMATION COLLECTION FOR MOBILE PAYMENT EXPERIENCE 审中-公开
标题翻译：交易信息收集手机付款体验
公开(公告)号：WO2015179316A1
公开(公告)日：2015-11-26
申请号：PCT/US2015/031423
申请日：2015-05-18
申请人： SQUARE, INC.
发明人： AARON, Paul , BROCK, Zachary
IPC分类号： G06Q20/32 , G06Q20/34 , G06Q20/12 , G06Q20/40
CPC分类号： G06Q20/0453 , G06Q20/04 , G06Q20/12 , G06Q20/202 , G06Q20/204 , G06Q20/322 , G06Q20/40 , G06Q20/42
摘要： Disclosed is a technology for collecting transaction information for interactive payment experience. According to one embodiment, a payment service system receives transaction information from a card payment network. Using the received transaction information, the payment service system can determine a digital transaction receipt that is designed to interact with the consumer. A mobile device of the consumer receives and presents the digital transaction receipt. The interactive interface of the digital transaction receipt enables the consumer to interact with the receipt in various ways, such as specifying tip amount, entering feedback, confirming the transaction, etc.
摘要翻译：公开了一种用于收集交互式信息以交互式支付经验的技术。根据一个实施例，支付服务系统从卡支付网络接收交易信息。使用所接收的交易信息，支付服务系统可以确定被设计为与消费者交互的数字交易收据。消费者的移动设备接收并呈现数字交易收据。数字交易收据的交互界面使消费者能够以各种方式与收据进行交互，例如指定提示数量，输入反馈，确认交易等。

76. 发明申请

WO2015171939A1 ESTABLISHMENT OF A SECURE SESSION BETWEEN A CARD READER AND A MOBILE DEVICE 审中-公开
标题翻译：设立读卡器和移动设备之间的安全会议
公开(公告)号：WO2015171939A1
公开(公告)日：2015-11-12
申请号：PCT/US2015/029763
申请日：2015-05-07
申请人： SQUARE, INC.
发明人： GUISE, Max Joseph , WADDLE, Jason , DAI ZOVI, Dino
IPC分类号： G06Q20/34 , G06Q20/38 , G06Q20/40 , G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/34 , G06Q20/3823 , G06Q20/40 , G07F7/0886
摘要： Disclosed is a technique for establishing a secure communication session between a mobile device and a card reader. The technique can involve using a trusted, remote validation server to validate security information of both the card reader and a POS module in the mobile device prior to, and as a precondition of, the card reader and the POS module establishing a secure communication session with each other. In certain embodiments the POS module sends the security information of both the card reader and the POS module to the validation server. The security information can include cryptographic keys of the POS module and the card reader and additional security information related to the POS module and its software environment.
摘要翻译：公开了一种用于在移动设备和读卡器之间建立安全通信会话的技术。该技术可以涉及使用信任的远程验证服务器来验证移动设备中的读卡器和POS模块的安全信息，并且作为读卡器和POS模块建立安全通信会话的先决条件彼此。在某些实施例中，POS模块将读卡器和POS模块的安全信息发送到验证服务器。安全信息可以包括POS模块和读卡器的加密密钥以及与POS模块及其软件环境相关的附加安全信息。

77. 发明申请

WO2015123680A1 LIFECYCLE MANAGEMENT AND PROVISIONING SYSTEM FOR UNIFIED COMMUNICATIONS 审中-公开
标题翻译：用于统一通信的生物管理和提供系统
公开(公告)号：WO2015123680A1
公开(公告)日：2015-08-20
申请号：PCT/US2015/016189
申请日：2015-02-17
申请人： UNIFY SQUARE, INC.
发明人： SCHIFF, Oliver , AGGARWAL, Sudhanshu
IPC分类号： G06Q10/00
CPC分类号： G06Q50/32 , G06Q10/06 , H04L41/0893 , H04L41/5064
摘要： A provisioning system automatically detects a new or updated object (e.g., a user object or a device object) in a data store associated with a unified communication (UC) system; reconciles attributes of the new or updated object; generates a change job based on a rule set; and causes a record corresponding to the new or updated object to be updated in the data store (or another data store in the UC system) based on the change job. Automatic detection of the new or updated object may involve importing data records from the data store and comparing them with corresponding records in a cached database. Reconciling the attributes may involve generating a template based on the rule set and comparing the template with the attributes. The provisioning system can detect a deviation between the template and the attributes and tailor the change job to resolve the deviation.
摘要翻译：配置系统自动检测与统一通信（UC）系统相关联的数据存储器中的新的或更新的对象（例如，用户对象或设备对象）; 调整新的或更新对象的属性; 基于规则集生成更改作业; 并且基于该更改作业，在数据存储器（或UC系统中的另一数据存储器）中引起与新的或更新的对象相对应的记录。自动检测新的或更新的对象可能涉及从数据存储中导入数据记录，并将其与缓存的数据库中的相应记录进行比较。协调属性可能涉及根据规则集生成模板并将模板与属性进行比较。配置系统可以检测模板和属性之间的偏差，并调整更改作业以解决偏差。

78. 发明申请

WO2015100385A1 CARD READER EMULATION FOR CARDLESS TRANSACTIONS 审中-公开
标题翻译：无卡交易卡读卡器仿真
公开(公告)号：WO2015100385A1
公开(公告)日：2015-07-02
申请号：PCT/US2014/072285
申请日：2014-12-23
申请人： SQUARE, INC.
发明人： LEE, Robert
IPC分类号： G06Q20/34 , G06Q20/32 , G06F17/00
CPC分类号： G06Q20/209 , G06Q20/02 , G06Q20/0453 , G06Q20/204 , G06Q20/322 , G06Q20/3224 , G06Q20/351 , G06Q20/385
摘要： Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (POS) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name. By emulating card read events and intercepting receipt printer outputs, the technique cleanly integrates into a conventional merchant POS system, without the need for customized software or hardware to accommodate individual POS vendor-proprietary application programming interfaces (APIs).
摘要翻译：公开了能够从商户销售点（POS）系统执行无卡支付交易的方法和装置。用户能够通过使用用户的移动设备在商家登记，然后通过简单地出现在商家并提及他的名字来支付。通过模拟卡读取事件和拦截收据打印机输出，该技术将传统的商业POS系统清理地集成在一起，而不需要定制的软件或硬件来容纳各个POS供应商专有的应用程序编程接口（API）。

79. 发明申请

WO2015089301A1 BIDIRECTIONAL AUDIO COMMUNICATION IN READER DEVICES 审中-公开
标题翻译：阅读器设备中的双向音频通信
公开(公告)号：WO2015089301A1
公开(公告)日：2015-06-18
申请号：PCT/US2014/069788
申请日：2014-12-11
申请人： SQUARE, INC.
发明人： WADE, Jeremy , TEMPLETON, Thomas
IPC分类号： G06Q20/32 , G11B27/036 , H04N5/93
CPC分类号： G06K7/084 , G06Q20/20 , G06Q20/204 , G06Q20/322 , G06Q20/34 , H04M1/72527 , H04M2250/14
摘要： Aspects of the subject disclosure provide a card reader for receiving payment card information at a mobile point-of-sale terminal. In some implementations, a reader of the subject technology can include a memory, a conditioning module and a 3.5mm audio plug including an audio bus that is configured for insertion into a headphone port of a host device, such as a smart phone or tablet computer. Implementations of the subject technology also include a microprocessor configured to perform operations for receiving a training sequence for use in determining communication parameters associated with a mobile device, and in response to the training sequence, transmitting an acknowledgement signal to the mobile device, via the audio bus, to indicate that a communicative coupling with the mobile device has been successfully established.
摘要翻译：本发明公开的方面提供一种读卡器，用于在移动销售点终端处接收支付卡信息。在一些实施方式中，主题技术的阅读器可以包括存储器，调节模块和3.5mm音频插头，其包括配置成插入主机设备的耳机端口的音频总线，诸如智能电话或平板计算机。主题技术的实现还包括被配置为执行用于接收用于确定与移动设备相关联的通信参数的训练序列的操作的微处理器，并且响应于训练序列，经由音频向移动设备发送确认信号总线，以表明与移动设备的交流耦合已经成功建立。

80. 发明申请

WO2015066059A1 APPORTIONING SHARED FINANCIAL EXPENSES 审中-公开
标题翻译：分配共同财务费用
公开(公告)号：WO2015066059A1
公开(公告)日：2015-05-07
申请号：PCT/US2014/062700
申请日：2014-10-28
申请人： SQUARE, INC.
发明人： ROSE, Cody
IPC分类号： G06Q50/00
CPC分类号： G06Q50/12 , G06Q10/02 , G06Q20/102 , G06Q20/14 , G06Q20/145 , G06Q20/3223 , G06Q20/3224 , G06Q30/04
摘要： A determination can be made that a first user is available for a card-less payment transaction with a merchant restaurant. Data describing a booking for a shared financial expense to be incurred at the merchant restaurant can be obtained. The data can describe a second user participating in the group transaction. A total amount due for the shared financial expense can be obtained. A determination can be made that the second user is contributing to the shared financial expense. A respective electronic bill for the first and second users can be generated. Each respective electronic bill can be for an apportioned amount due for the shared financial expense. Data describing the respective electronic bill for the apportioned amount due for the shared financial expense can be sent to the first and second users.
摘要翻译：可以确定第一用户可用于与商家餐馆进行无卡支付交易。可以获得描述在商店餐厅发生的共同财务费用预订的数据。数据可以描述参与组交易的第二个用户。可以获得共享财务费用总额。可以确定第二用户对分担的财务费用作出贡献。可以生成用于第一和第二用户的各自的电子账单。各自的电子账单可以用于共享财务费用的分配金额。可以向第一用户和第二用户发送描述用于共享财务费用的分摊金额的相应电子账单的数据。

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