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1. 发明申请

WO2012051073A2 METHOD FOR CONDUCTING ON-LINE PURCHASES USING A MOBILE DEVICE AND A PAYMENT SERVICE 审中-公开
标题翻译：使用移动设备和付款服务来进行在线购买的方法
公开(公告)号：WO2012051073A2
公开(公告)日：2012-04-19
申请号：PCT/US2011/055402
申请日：2011-10-07
申请人： SQUARE, INC. , DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
发明人： DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
IPC分类号： G06K7/08
CPC分类号： G06Q20/347 , G06Q20/322 , G06Q30/06 , G06Q30/0613 , G06Q40/02 , G07F7/0886
摘要： A method is provided for conducing on-line purchases using a mobile device. A first party visits a second party on-line entity. The first party accesses a second party on-line entity. The first party is already registered with the payment service or becomes registered prior to the conclusion of completing a transaction. The mobile device is configured to communicate with the payment service. The first party considers conducting a transaction with the second party on-line entity. The second party on-line entity is registered with the payment service, or in response to the first party's desire to transact with the second party on-line entity, the second party on-line entity becomes registered with the payment service. The first party enters personal identifying information that is sent to the payment service. In response, the first party receives a push notification to the first party's mobile device that enables the first party to complete the transaction with the second party on-line entity.
摘要翻译：提供了一种使用移动设备进行在线购买的方法。第一方访问第二方在线实体。第一方访问第二方在线实体。第一方已经在支付服务上注册或者在完成交易之前注册。移动设备被配置为与支付服务进行通信。第一方考虑与第二方在线实体进行交易。第二方联机实体向支付服务注册，或者响应第一方希望与第二方联机实体进行交易，第二方联机实体在支付服务中注册。第一方输入发送给支付服务的个人识别信息。作为响应，第一方接收推送通知给第一方的移动设备，使第一方能够与第二方在线实体完成交易。

2. 发明申请

WO2012051072A1 METHOD OF CONDUCTING FINANCIAL TRANSACTIONS WHERE A PAYER'S FINANCIAL ACCOUNT INFORMATION IS ENTERED ONLY ONCE WITH A PAYMENT SYSTEM 审中-公开
标题翻译：执行金融交易的方法在付款系统上进行付款人的财务帐户信息
公开(公告)号：WO2012051072A1
公开(公告)日：2012-04-19
申请号：PCT/US2011/055394
申请日：2011-10-07
申请人： SQUARE, INC. , DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
发明人： DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
IPC分类号： G06Q20/00
CPC分类号： G07F7/0886 , G06K7/084 , G06Q20/10 , G06Q20/24 , G06Q20/322 , G06Q20/347 , G06Q20/363 , G06Q30/06 , G06Q40/02 , G07F7/088
摘要： A method of conducting a financial transaction includes a first party's financial account information being entered once, e.g, with a single initial entry to the payment service. For future uses of the first party's financial account to transfer funds using the payment service to a second party, the first party's financial account information need not be entered again with the payment service. The second party's personal identifying information is entered. Funds are transferred from the first party's financial account to an account of the second party with the use of the payment service.
摘要翻译：进行金融交易的方法包括一次输入第一方的金融账户信息，例如单独的初始输入到支付服务。对于将来使用第一方财务账户使用支付服务向第二方转移资金，第一方的财务账户信息不需要再次使用支付服务输入。输入第二方的个人识别信息。资金从第一方的财务账户转入使用支付服务的第二方帐户。

3. 发明申请

WO2012051069A1 METHODS FOR TRANSFERRING FUNDS USING A PAYMENT SERVICE WHERE FINANCIAL ACCOUNT INFORMATION IS ONLY ENTERED ONCE WITH A PAYMENT SERVICE AND NEED NOT BE RE-ENTERED FOR FUTURE TRANSFERS 审中-公开
标题翻译：使用付款服务转移资金的方法，其中财务账户信息仅在付款服务之后输入，不需要重新输入未来的转账
公开(公告)号：WO2012051069A1
公开(公告)日：2012-04-19
申请号：PCT/US2011/055382
申请日：2011-10-07
申请人： SQUARE, INC. , DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
发明人： DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
IPC分类号： G06Q20/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/322 , G06Q20/347 , G06Q20/363 , G06Q40/02 , G07F7/0886
摘要： A method of transferring funds to and/or from a first party's financial account is provided. A first party's financial account information is entered with a single initial entry to the payment service. Funds are transferred to and/or from the first party's financial account using the payment service. The first party is registered with the payment service, or becomes registered prior to transferring funds to and/or from the financial account using the payment service. For future uses of the first party's financial account to transfer funds to and/or from the first party's financial account, the first party's financial account information need not be entered again with the payment service.
摘要翻译：提供了向第一方财务账户转移资金和/或从第一方财务账户转入资金的方法。第一方的财务帐户信息将输入到付款服务的单个初始条目。使用支付服务将资金转入和/或从第一方的金融账户转入。第一方已在付款服务中注册，或者在使用支付服务向金融账户转账和/或从金融账户转账之前注册。为了将来第一方财务账户用于将资金转入和/或从第一方财务账户转入，第一方的财务账户信息不需要再次输入付款服务。

4. 发明申请

WO2013009891A1 METHOD OF CONDUCTING FINANCIAL TRANSACTIONS 审中-公开
标题翻译：进行财务交易的方法
公开(公告)号：WO2013009891A1
公开(公告)日：2013-01-17
申请号：PCT/US2012/046282
申请日：2012-07-11
申请人： SQUARE, INC. , DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M. , NIEDERMEYER, Brian, Joseph
发明人： DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M. , NIEDERMEYER, Brian, Joseph
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3224
摘要： A method is provided of conducting a financial transaction with reduced likelihood of fraud. A financial transaction is entered into using a first party's financial transaction instrument to transfer funds. The first party's financial transaction instrument information is sent externally to a mobile device. The financial transaction instrument information is sent from the mobile device to a payment system.
摘要翻译：提供了减少欺诈可能性进行金融交易的方法。使用第一方的金融交易工具进行金融交易，以转移资金。第一方的金融交易工具信息从外部发送到移动设备。金融交易工具信息从移动设备发送到支付系统。

5. 发明申请

WO2012051071A1 PAYMENT METHODS WITH A PAYMENT SERVICE AND TABS SELECTED BY A FIRST PARTY AND OPENED BY A SECOND PARTY AT ANY GEOGRAPHIC LOCATION OF THE FIRST PARTY'S MOBILE DEVICE 审中-公开
标题翻译：第一方移动设备任何地理位置的第一方选择的付款服务和标签的付款方式和第二方开放的付款方式
公开(公告)号：WO2012051071A1
公开(公告)日：2012-04-19
申请号：PCT/US2011/055387
申请日：2011-10-07
申请人： SQUARE, INC. , DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
发明人： DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
IPC分类号： G06Q20/00
CPC分类号： G07F7/0886 , G06Q20/10 , G06Q20/3224 , G06Q20/347
摘要： A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The qualified second parties are second parties that, (i) have an association with the payment service, and (ii) second parties that if they do not have an established association with the payment service then they have established one prior to payment. The first party has an association with the payment service. A tab is opened by the first party that can be selected by the qualified second party at any geographic location of a first party's mobile device. The qualified second party is only able to charge a first party's financial account when the first party's mobile device is within a defined geographic area. The tab is a relationship between the first party, the payment service and the qualified second party, The qualified second party can engage in a financial transaction with the first party is within the defined geographic area.
摘要翻译：提供了支付第二方的方法。第一方访问一个或多个合格的第二方的名称。合格的第二方是（i）与付款服务有关联的第二方，（ii）第二方如果与支付服务没有确定的关联，则在付款之前已经建立了一个。第一方与付款服务有关联。第一方打开标签页，可由第一方的移动设备的任何地理位置由合格的第二方选择。合格的第二方只能在第一方的移动设备位于定义的地理区域内时向第一方的财务帐户收取费用。该标签是第一方，付款服务和合格的第二方之间的关系。合格的第二方可以与第一方进行金融交易在规定的地理区域内。

6. 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。

7. 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。

8. 发明申请

WO2011047038A2 SYSTEMS AND METHODS FOR CARD PRESENT TRANSACTION WITHOUT SHARING CARD INFORMATION 审中-公开
标题翻译：无共享卡信息的卡存在交易的系统和方法
公开(公告)号：WO2011047038A2
公开(公告)日：2011-04-21
申请号：PCT/US2010/052494
申请日：2010-10-13
申请人： SQUARE, INC. , MCKELVEY, James, M.
发明人： MCKELVEY, James, M.
IPC分类号： G06Q20/00 , 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

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.

10. 发明公开

EP2638512A1 METHOD OF CONDUCTING FINANCIAL TRANSACTIONS WHERE A PAYER'S FINANCIAL ACCOUNT INFORMATION IS ENTERED ONLY ONCE WITH A PAYMENT SYSTEM 审中-公开
标题翻译：方法进行金融交易与付款人账户信息只有单一的入口
公开(公告)号：EP2638512A1
公开(公告)日：2013-09-18
申请号：EP11833174.3
申请日：2011-10-07
申请人： Square, Inc.
发明人： DORSEY, Jack , HENDERSON, William , GRASSADONIA, Brian , MCKELVEY, James, M.
IPC分类号： G06Q20/00
CPC分类号： G07F7/0886 , G06K7/084 , G06Q20/10 , G06Q20/24 , G06Q20/322 , G06Q20/347 , G06Q20/363 , G06Q30/06 , G06Q40/02 , G07F7/088
摘要： A method of conducting a financial transaction includes a first party's financial account information being entered once, e.g, with a single initial entry to the payment service. For future uses of the first party's financial account to transfer funds using the payment service to a second party, the first party's financial account information need not be entered again with the payment service. The second party's personal identifying information is entered. Funds are transferred from the first party's financial account to an account of the second party with the use of the payment service.

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