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1. 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。

2. 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）。

3. 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。

4. 发明申请

WO2011047038A3 SYSTEMS AND METHODS FOR CARD PRESENT TRANSACTION WITHOUT SHARING CARD INFORMATION 审中-公开
标题翻译：系统和方法用于在不共享卡信息的情况下卡现有交易
公开(公告)号：WO2011047038A3
公开(公告)日：2011-07-21
申请号：PCT/US2010052494
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）。

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

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.

7. 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.

8. 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.

9. 发明专利

CA2812251A1 READ HEAD DEVICE WITH SLOT CONFIGURED TO REDUCE TORQUE 未知
公开(公告)号：CA2812251A1
公开(公告)日：2012-04-19
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
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.

10. 发明专利

MX2012004397A SISTEMAS Y METODOS PARA TRANSACCION FINANCIERA A TRAVES DE LECTOR DE TARJETA MINIATURIZADO. 未知
公开(公告)号：MX2012004397A
公开(公告)日：2012-08-15
申请号：MX2012004397
申请日：2010-10-13
申请人： SQUARE INC
发明人： MCKELVEY JAMES M , WEN SAM
IPC分类号： G06K7/08 , G06Q40/00 , G06K17/00
摘要： Con un nuevo acercamiento que contempla sistemas y métodos que permiten a un individuo completar una transacción financiera al deslizar una tarjeta de banda magnética a través de un lector de tarjeta conectado a un dispositivo móvil. El tamaño del lector de tarjeta está miniaturizado para ser portátil para conexión con el dispositivo móvil. El lector de tarjeta está configurado para leer de forma confiable datos codificados en una banda magnética de la tarjeta con error mínimo en un deslizamiento individual y proporcionar una señal que corresponde a la lectura de datos para el dispositivo móvil, que entonces decodifica la señal entrante desde el lector de tarjeta y actúa como un dispositivo de punto de venta para completar la transacción financiera. Tal acercamiento permite a una persona volverse un micro comerciante (beneficiario) o un comprador/cliente (pagador) sin tener que comprar dispositivos o software de lector de tarjeta costosos.

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