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1. 发明申请

WO2012051067A1 READ HEAD DEVICE WITH SLOT CONFIGURED TO REDUCE TORQUE 审中-公开
标题翻译：阅读头部配置有减少扭矩的插槽
公开(公告)号：WO2012051067A1
公开(公告)日：2012-04-19
申请号：PCT/US2011/055375
申请日：2011-10-07
申请人： SQUARE, INC. , MCKELVEY, James, M. , WEN, Sam , DORSEY, Jack , BABU, Amish, Rajesh
发明人： MCKELVEY, James, M. , WEN, Sam , DORSEY, Jack , BABU, Amish, Rajesh
IPC分类号： G06K7/08
CPC分类号： G06K13/18 , G06Q20/322 , G06Q20/347 , G07F7/0886
摘要： A read head system has a housing and a read positioned in the housing with a slot for swiping a magnetic stripe of a financial transaction card with the slot utilized to enable a financial transaction between a buyer and seller. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head includes an output jack configured to be coupled to at least one of a audio jack or microphone port of a mobile device. The read head provides the signal to the mobile device. The slot is oriented and sized to reduce torque applied on the read head as the financial transaction card is swiped through slot in order to maintain accuracy and reliability of the data read by the read head. Decoding of the signal is performed in the mobile device. The decoding includes determining pulses in the signal and converting at least some of the pulses to characters.
摘要翻译：读头系统具有壳体和读取装置，该壳体具有槽，用于将金融交易卡的磁条与用于使得买方和卖方之间的金融交易的槽用于刷卡。读头读取磁条上的数据，并产生指示存储在磁条上的数据的信号。读头包括被配置为耦合到移动设备的音频插孔或麦克风端口中的至少一个的输出插孔。读取头向移动设备提供信号。当金融交易卡通过插槽滑动时，槽被定向和定尺寸以减小施加在读取头上的扭矩，以便保持由读取头读取的数据的准确性和可靠性。在移动设备中执行信号的解码。解码包括确定信号中的脉冲并将至少一些脉冲转换为字符。

2. 发明申请

WO2011047030A3 SYSTEMS AND METHODS FOR PASSIVE IDENTIFICATION CIRCUITRY 审中-公开
标题翻译：用于被动识别电路的系统和方法
公开(公告)号：WO2011047030A3
公开(公告)日：2011-10-20
申请号：PCT/US2010052483
申请日：2010-10-13
申请人： SQUARE INC , WILSON MATT , WEN SAM
发明人： WILSON MATT , WEN SAM
IPC分类号： G06K7/08 , G06Q20/00 , H04B5/00
CPC分类号： G06Q20/204 , G06K7/087 , G06Q20/209 , G06Q20/32 , G06Q20/322 , G06Q20/3224 , G06Q20/34 , G06Q20/347 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
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.
摘要翻译：提出了一种新方法，其设想了使个人能够通过连接到移动设备的读卡器刷动磁条卡来完成金融交易的系统和方法。读卡器的尺寸小型化，便于与移动设备连接。读卡器被配置成在单次刷卡中以最小误差可靠地读取编码在卡的磁条中的数据，并提供与读取到移动设备的数据相对应的信号，移动设备随后解码来自读卡器的输入信号并且充当销售点设备来完成金融交易。这种方法使得人们不必购买昂贵的读卡器设备或软件就能成为微型商户（收款人）或买家/客户（付款人）。

3. 发明申请

WO2011047030A2 SYSTEMS AND METHODS FOR PASSIVE IDENTIFICATION CIRCUITRY 审中-公开
标题翻译：用于被动识别电路的系统和方法
公开(公告)号：WO2011047030A2
公开(公告)日：2011-04-21
申请号：PCT/US2010/052483
申请日：2010-10-13
申请人： SQUARE, INC. , WILSON, Matt , WEN, Sam
发明人： WILSON, Matt , WEN, Sam
IPC分类号： G06K7/08 , G06Q20/00 , H04B5/00
CPC分类号： G06Q20/204 , G06K7/087 , G06Q20/209 , G06Q20/32 , G06Q20/322 , G06Q20/3224 , G06Q20/34 , G06Q20/347 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
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.
摘要翻译：提出了一种新方法，其设想了使个人能够通过将磁条卡通过连接到移动设备的读卡器刷卡来完成金融交易的系统和方法。读卡器的尺寸小型化，便于与移动设备连接。读卡器被配置成在单次刷卡中以最小误差可靠地读取编码在卡的磁条中的数据，并提供与读取到移动设备的数据相对应的信号，移动设备随后解码来自读卡器的输入信号并且充当销售点设备来完成金融交易。这种方法使得人们无需购买昂贵的读卡器设备或软件即可成为微型商户（收款人）或买家/客户（付款人）。

4. 发明申请

WO2011047028A3 SYSTEMS AND METHODS FOR FINANCIAL TRANSACTION THROUGH MINIATURIZED CARD READER 审中-公开
公开(公告)号：WO2011047028A3
公开(公告)日：2011-04-21
申请号：PCT/US2010/052481
申请日：2010-10-13
申请人： SQUARE, INC. , MCKELVEY, James, M. , WEN, Sam
发明人： MCKELVEY, James, M. , WEN, Sam
IPC分类号： G06Q40/00 , G06K7/08 , G06K17/00
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.

5. 发明申请

WO2012051070A2 SYSTEMS AND METHODS FOR FINANCIAL TRANSACTION THROUGH MINIATURIZED CARD READER WITH DECODING ON A SELLER'S MOBILE DEVICE 审中-公开
标题翻译：通过微型卡片阅读器进行财务交易的系统和方法，解释为卖方的移动设备
公开(公告)号：WO2012051070A2
公开(公告)日：2012-04-19
申请号：PCT/US2011/055386
申请日：2011-10-07
申请人： SQUARE, INC. , MCKELVEY, James, M. , WEN, Sam , DORSEY, Jack
发明人： MCKELVEY, James, M. , WEN, Sam , DORSEY, Jack
IPC分类号： G06K7/08
CPC分类号： G06K7/087 , G06Q20/10 , G06Q20/322 , G06Q20/34 , G06Q20/347 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
摘要： A financial transaction card reader device includes a housing having a slot for swiping a magnetic stripe of a financial transaction card to complete a financial transaction between a buyer and seller. A read head is in the housing, reads data stored on the magnetic stripe and for produces a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a seller's mobile device for providing the signal indicative of data stored on the magnetic stripe to the mobile device. The signal is decoded in the mobile device.
摘要翻译：金融交易卡读取器设备包括具有用于刷新金融交易卡的磁条的槽以完成买方和卖方之间的金融交易的壳体。读取头在外壳中，读取存储在磁条上的数据，并产生指示存储在磁条上的数据的信号。输出插孔适于插入到与卖家的移动设备相关联的麦克风输入中，以将指示存储在磁条上的数据的信号提供给移动设备。信号在移动设备中解码。

6. 发明申请

WO2011047030A9 SYSTEMS AND METHODS FOR PASSIVE IDENTIFICATION CIRCUITRY 审中-公开
标题翻译：用于被动识别电路的系统和方法
公开(公告)号：WO2011047030A9
公开(公告)日：2011-07-07
申请号：PCT/US2010052483
申请日：2010-10-13
申请人： SQUARE INC , WILSON MATT , WEN SAM
发明人： WILSON MATT , WEN SAM
IPC分类号： G06K7/08 , G06Q20/00 , H04B5/00
CPC分类号： G06Q20/204 , G06K7/087 , G06Q20/209 , G06Q20/32 , G06Q20/322 , G06Q20/3224 , G06Q20/34 , G06Q20/347 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
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.
摘要翻译：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。

7. 发明申请

WO2011047034A3 SYSTEMS AND METHODS FOR DECODING CARD SWIPE SIGNALS 审中-公开
公开(公告)号：WO2011047034A3
公开(公告)日：2011-04-21
申请号：PCT/US2010/052488
申请日：2010-10-13
申请人： SQUARE, INC. , WEN, Sam
发明人： WEN, Sam
IPC分类号： G06K7/08 , G06Q40/00 , G06K17/00
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.

8. 发明申请

WO2011047034A2 SYSTEMS AND METHODS FOR DECODING CARD SWIPE SIGNALS 审中-公开
标题翻译：用于解码卡片信号的系统和方法
公开(公告)号：WO2011047034A2
公开(公告)日：2011-04-21
申请号：PCT/US2010052488
申请日：2010-10-13
申请人： SQUARE INC , WEN SAM
发明人： WEN SAM
IPC分类号： G06K7/08 , G06K17/00 , G06Q40/00
CPC分类号： G06Q20/204 , G06K7/087 , G06Q20/209 , G06Q20/32 , G06Q20/322 , G06Q20/3224 , G06Q20/34 , G06Q20/347 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
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.
摘要翻译：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。

9. 发明申请

WO2012051070A3 SYSTEMS AND METHODS FOR FINANCIAL TRANSACTION THROUGH MINIATURIZED CARD READER WITH DECODING ON A SELLER'S MOBILE DEVICE 审中-公开
标题翻译：通过在卖方的移动设备上解码的小型化读卡器进行金融交易的系统和方法
公开(公告)号：WO2012051070A3
公开(公告)日：2012-06-07
申请号：PCT/US2011055386
申请日：2011-10-07
申请人： SQUARE INC , MCKELVEY JAMES M , WEN SAM , DORSEY JACK
发明人： MCKELVEY JAMES M , WEN SAM , DORSEY JACK
IPC分类号： G06K7/08
CPC分类号： G06K7/087 , G06Q20/10 , G06Q20/322 , G06Q20/34 , G06Q20/347 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
摘要： A financial transaction card reader device includes a housing having a slot for swiping a magnetic stripe of a financial transaction card to complete a financial transaction between a buyer and seller. A read head is in the housing, reads data stored on the magnetic stripe and for produces a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a seller's mobile device for providing the signal indicative of data stored on the magnetic stripe to the mobile device. The signal is decoded in the mobile device.
摘要翻译：一种金融交易卡阅读器装置包括具有槽的壳体，用于刷洗金融交易卡的磁条以完成买方和卖方之间的金融交易。读取头位于外壳中，读取存储在磁条上的数据并产生指示存储在磁条上的数据的信号。输出插孔适于插入到与卖家的移动设备相关联的麦克风输入中，以将指示存储在磁条上的数据的信号提供给移动设备。信号在移动设备中被解码。

10. 发明申请

WO2011047028A2 SYSTEMS AND METHODS FOR FINANCIAL TRANSACTION THROUGH MINIATURIZED CARD READER 审中-公开
标题翻译：通过小型化读卡器进行金融交易的系统和方法
公开(公告)号：WO2011047028A2
公开(公告)日：2011-04-21
申请号：PCT/US2010052481
申请日：2010-10-13
申请人： SQUARE INC , MCKELVEY JAMES M , WEN SAM
发明人： MCKELVEY JAMES M , WEN SAM
IPC分类号： G06Q40/00 , G06K7/08 , G06K17/00
CPC分类号： G06Q20/204 , G06K7/087 , G06Q20/209 , G06Q20/32 , G06Q20/322 , G06Q20/3224 , G06Q20/34 , G06Q20/347 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
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.
摘要翻译：提出了一种新方法，其设想了使个人能够通过连接到移动设备的读卡器刷动磁条卡来完成金融交易的系统和方法。读卡器的尺寸小型化，便于与移动设备连接。读卡器被配置成在单次刷卡中以最小误差可靠地读取编码在卡的磁条中的数据，并提供与读取到移动设备的数据相对应的信号，移动设备随后解码来自读卡器的输入信号并且充当销售点设备来完成金融交易。这种方法使得人们不必购买昂贵的读卡器设备或软件就能成为微型商户（收款人）或买家/客户（付款人）。

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