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    • 2. 发明申请
    • Electronic financial transactions with portable merchant accounts
    • 与便携式商业账户的电子金融交易
    • US20050097015A1
    • 2005-05-05
    • US10697374
    • 2003-10-30
    • W. WilkesDan Roper
    • W. WilkesDan Roper
    • G06Q20/00G06F17/60
    • G06Q20/20G06Q20/02G06Q20/04G06Q20/10G06Q20/32G06Q40/12
    • Methods of conducting an electronic financial transaction using ambiguous transaction devices. A merchant conducts a transaction with a payer using an ambiguous transaction device, such as a cellular phone. The ambiguous device transmits a transaction request, which includes transaction data and merchant identifying information, over a network to an acquiring bank. The ambiguous device generates the transaction request by accessing merchant identifying information that is stored separately from the ambiguous device in, for example, a stripe of a financial card or a SIM card. The merchant account of the merchant is portable in the sense that the merchant can use multiple ambiguous transaction devices to initiate transactions by causing the selected transaction device to have access to the separately stored merchant identifying information. The acquiring bank, upon receiving the transaction request, initiates authorization of the requested transaction and execution thereof.
    • 使用模糊交易设备进行电子金融交易的方法。 商家使用诸如蜂窝电话的模糊交易设备与付款人进行交易。 不明确的设备通过网络将包括交易数据和商家识别信息的交易请求发送到收单银行。 不明确的设备通过访问与例如金融卡或SIM卡的条带中的模糊设备分开存储的商家识别信息来生成交易请求。 在商户可以使用多个不明确的交易装置通过使所选择的交易设备访问分开存储的商家识别信息来启动交易的意义上,商家的商家帐户是便携式的。 收购银行在收到交易请求后,启动所请求交易的授权和执行。