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1. 发明申请

WO2012051073A3 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进行在线购买的方法
公开(公告)号：WO2012051073A3
公开(公告)日：2012-08-02
申请号：PCT/US2011055402
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： 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已经注册。移动设备被配置为与支付服务通信。第一方考虑与第二方在线实体进行交易。第二方在线实体向支付服务注册，或者响应于第一方与第二方在线实体进行交易的愿望，第二方在线实体成为向支付服务登记的。第一方输入发送到付款服务的个人识别信息。作为响应，第一方接收对第一方的移动设备的推送通知，使得第一方能够与第二方在线实体完成交易。

2. 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。

3. 发明申请

WO2011047042A3 SYSTEMS AND METHODS FOR DYNAMIC RECEIPT GENERATION WITH ENVIRONMENTAL INFORMATION 审中-公开
标题翻译：动态接收环境信息的系统和方法
公开(公告)号：WO2011047042A3
公开(公告)日：2011-07-28
申请号：PCT/US2010052499
申请日：2010-10-13
申请人： SQUARE INC , DORSEY JACK
发明人： DORSEY JACK
IPC分类号： G06Q20/00 , H04W88/02
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，其中考虑了通过通过连接到移动设备的读卡器扫描磁条卡来使个人完成金融交易的系统和方法。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次滑动中的最小误差可靠地读取编码在卡片的磁条中的数据，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。

4. 发明专利

CA2811979A1 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 未知
公开(公告)号：CA2811979A1
公开(公告)日：2012-04-19
申请号：CA2811979
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： G06Q20/10
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.

5. 发明专利

CA2812251C READ HEAD DEVICE WITH SLOT CONFIGURED TO REDUCE TORQUE 未知
公开(公告)号：CA2812251C
公开(公告)日：2016-06-14
申请号：CA2812251
申请日：2011-10-07
申请人： SQUARE INC
发明人： MCKELVEY JAMES M , WEN XUANCONG , DORSEY JACK , BABU AMISH RAJESH
IPC分类号： G06K7/08 , G06K7/01 , G06Q20/34 , G06Q20/40 , H04W4/24
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.

6. 发明专利

CA2845817C METHOD FOR TRANSFERRING MONEY USING EMAIL 未知
公开(公告)号：CA2845817C
公开(公告)日：2016-02-02
申请号：CA2845817
申请日：2014-03-12
申请人： SQUARE INC
发明人： DORSEY JACK , ANDERSEN ROBERT , LEE ROBERT , GRASSADONIA BRIAN , BYTTOW DAVID M , BROYLES AUSTIN
IPC分类号： G06Q20/10 , G06Q20/16
摘要： Method, systems, and apparatus for receiving the email message from a sender device; identifying, using data processing apparatus of a payment service system, a sender email address, a service email address, and one or more recipient email addresses from the email message; identifying, for the sender email address, a sender financial account associated with the payment service system and, for each of the one or more recipient email addresses, a respective recipient financial account associated with the payment service system; identifying a payment amount from a subject or body of the email message; submitting a request to transfer, using the payment service system, the payment amount from the respective sender financial account to the respective recipient financial account.

7. 发明专利

CA2845817A1 METHOD FOR TRANSFERRING MONEY USING EMAIL 未知
公开(公告)号：CA2845817A1
公开(公告)日：2014-09-15
申请号：CA2845817
申请日：2014-03-12
申请人： SQUARE INC
发明人： DORSEY JACK , ANDERSEN ROBERT , LEE ROBERT , GRASSADONIA BRIAN , BYTTOW DAVID M , BROYLES AUSTIN
IPC分类号： G06Q20/10 , G06Q20/16
摘要： Method, systems, and apparatus for receiving the email message from a sender device; identifying, using data processing apparatus of a payment service system, a sender email address, a service email address, and one or more recipient email addresses from the email message; identifying, for the sender email address, a sender financial account associated with the payment service system and, for each of the one or more recipient email addresses, a respective recipient financial account associated with the payment service system; identifying a payment amount from a subject or body of the email message; submitting a request to transfer, using the payment service system, the payment amount from the respective sender financial account to the respective recipient financial account.

8. 发明专利

CA2812594C SYSTEMS AND METHODS FOR FINANCIAL TRANSACTION THROUGH MINIATURIZED CARD READER WITH DECODING ON A SELLER'S MOBILE DEVICE 未知
公开(公告)号：CA2812594C
公开(公告)日：2019-09-10
申请号：CA2812594
申请日：2011-10-07
申请人： SQUARE INC
发明人： MCKELVEY JAMES M , WEN XUANCONG , DORSEY JACK
IPC分类号： G06K7/08 , G06K7/01 , G06Q20/32 , G06Q20/34 , H04W4/12 , H04W4/24
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.

9. 发明专利

AU2012281153A1 Method of conducting financial transactions 未知
公开(公告)号：AU2012281153A1
公开(公告)日：2014-02-27
申请号：AU2012281153
申请日：2012-07-11
申请人： SQUARE INC
发明人： DORSEY JACK , HENDERSON WILLIAM , GRASSADONIA BRIAN , MCKELVEY JAMES M , NIEDERMEYER BRIAN JOSEPH
IPC分类号： G06Q20/32
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.

10. 发明专利

CA2841267A1 METHOD OF CONDUCTING FINANCIAL TRANSACTIONS 未知
公开(公告)号：CA2841267A1
公开(公告)日：2013-01-17
申请号：CA2841267
申请日：2012-07-11
申请人： SQUARE INC
发明人： DORSEY JACK , HENDERSON WILLIAM , GRASSADONIA BRIAN , MCKELVEY JAMES M , NIEDERMEYER BRIAN JOSEPH
IPC分类号： G06Q20/32
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.

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