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    • 7. 发明申请
    • PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS
    • 对等金融交易装置和方法
    • WO2010039337A2
    • 2010-04-08
    • PCT/US2009/053441
    • 2009-08-11
    • APPLE INC.LIN, GloriaMIKHAK, Amir, MahmoodNAKAJIMA, Taido, LantzMAYO, Sean, AnthonyROSENBLATT, Michael
    • LIN, GloriaMIKHAK, Amir, MahmoodNAKAJIMA, Taido, LantzMAYO, Sean, AnthonyROSENBLATT, Michael
    • G06Q20/00
    • G06Q20/40G06Q20/223G06Q20/24G06Q20/32G06Q20/3278
    • Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices 10, 92. In one embodiment, a request for payment is transmitted from a first device 10 to a second device 92 using a near field communication (NFC) interface 46. In response to the request, the second device 92 may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers 100 configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device 10 may include a camera 48 configured to obtain an image of a payment instrument. The device 10 may further include an application to extract payment information from the acquired image.
    • 提供了用于使用一个或多个电子设备10,92执行对等金融交易的各种技术。在一个实施例中,支付请求从第一设备10传输到第二设备 设备92使用近场通信(NFC)接口46.响应于该请求,第二设备92可以向第一设备发送支付信息。 第一设备可以选择授信账户,并且可以使用合适的通信协议将收到的支付信息和选择的授信账户传送给配置成处理和确定是否可以授权付款的一个或多个外部金融服务器100。 如果付款得到授权,付款可能会记入选定的贷记账户。 在进一步的实施例中,设备10可以包括被配置为获取支付工具的图像的照相机48。 设备10还可以包括用于从所获取的图像提取支付信息的应用程序。