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2. 发明申请

WO2009152184A1 MOBILE PAYMENT SYSTEM 审中-公开
标题翻译：移动支付系统
公开(公告)号：WO2009152184A1
公开(公告)日：2009-12-17
申请号：PCT/US2009/046797
申请日：2009-06-09
申请人： OBOPAY, INC. , TUMMINARO, John , REALINI, Carol , HOSOKAWA, Pete , SCHWARTZ, David , SHAWKI, Sam , SHAH, Nirav
发明人： TUMMINARO, John , REALINI, Carol , HOSOKAWA, Pete , SCHWARTZ, David , SHAWKI, Sam , SHAH, Nirav
IPC分类号： G06Q40/00
CPC分类号： G06Q20/32 , G06Q20/3223 , G06Q20/3229 , G06Q20/3255 , G06Q40/02 , G07C9/00039
摘要： A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or "widget." The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
摘要翻译：移动支付平台和服务提供了一种快速，简单的方法来进行移动设备用户的付款。该平台还与非移动通道和电子邮件，即时通讯和Web等设备相连接。在实施中，从帐户持有人的移动设备（例如移动电话或个人数字助理）访问资金以进行或接收付款。金融交易可以以个人对个人（P2P）或个人对商家（P2M）的方式进行，其中每一方通过诸如电话号码或条形码的唯一指示符来标识。可以通过任何数量的方式来请求交易，包括SMS消息，Web，电子邮件，即时消息，移动客户端应用程序，即时消息插件应用程序或“小部件”。驻留在移动设备上的移动客户端应用程序以快速，安全的方式简化了访问和执行金融交易。

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