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    • 2. 发明申请
    • PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS
    • 同行对等的财务交易设备和方法
    • WO2010039337A3
    • 2010-07-22
    • PCT/US2009053441
    • 2009-08-11
    • APPLE INCLIN 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进行对等金融交易的各种技术。在一个实施例中,使用近场通信从第一设备10向第二设备92发送支付请求( 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。 第一设备可以选择记账账户,并且使用合适的通信协议可以将所接收的支付信息和所选贷方账户传送到被配置为处理和确定支付是否被授权的一个或多个外部金融服务器100。 如果付款被授权,则可以向所选择的记账帐户记入付款。 在另一实施例中,设备10可以包括被配置为获得支付工具的图像的相机48。 设备10还可以包括从所获取的图像中提取支付信息的应用。
    • 3. 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。
    • 6. 发明申请
    • SYSTEM AND METHOD FOR SIMPLIFIED RESOURCE SHARING
    • 用于简化资源共享的系统和方法
    • WO2010039332A1
    • 2010-04-08
    • PCT/US2009/053034
    • 2009-08-06
    • APPLE INC.ROSENBLATT, MichaelLIN, GloriaMAYO, Sean, AnthonyNAKAJIMA, Taido, Lantz
    • ROSENBLATT, MichaelLIN, GloriaMAYO, Sean, AnthonyNAKAJIMA, Taido, Lantz
    • H04L29/08
    • H04L12/2812H04L67/10H04W4/80
    • Systems, methods, and devices for simplified resource-sharing with electronic devices are provided. For example, a method for using at least one resource of a variety of electronic devices, e.g., 36 from another electronic device, e.g., 40 may include receiving resource-sharing information associated with a resource-sharing electronic device via near field communication, determining a resource-sharing scheme for using the resources of the resource-sharing electronic device based on the resource-sharing information, and sharing at least one resource of the resource-sharing electronic device using the determined resource-sharing scheme. The resource-sharing information may be received from a near field communication interface 34 of the resource-sharing electronic device or from a radio frequency identification tag associated with the resource-sharing electronic device.
    • 提供了用于简化与电子设备的资源共享的系统,方法和设备。 例如,用于使用各种电子设备(例如,来自其他电子设备,例如40)的36个资源的方法可以包括通过近场通信接收与资源共享电子设备相关联的资源共享信息,确定 用于基于所述资源共享信息使用所述资源共享电子设备的资源的资源共享方案,以及使用所确定的资源共享方案共享所述资源共享电子设备的至少一个资源。 可以从资源共享电子设备的近场通信接口34或与资源共享电子设备相关联的射频识别标签接收资源共享信息。