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1. 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。

2. 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。

3. 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。

4. 发明申请

WO2014150282A1 METHOD FOR TRANSFERRING MONEY USING EMAIL 审中-公开
标题翻译：使用电子邮件转帐货币的方法
公开(公告)号：WO2014150282A1
公开(公告)日：2014-09-25
申请号：PCT/US2014/022825
申请日：2014-03-10
申请人： SQUARE, INC.
发明人： DORSEY, Jack , ANDERSON, Robert , LEE, Robert , GRASSADONIA, Brian , BYTTOW, David M. , BROYLES, Austin
IPC分类号： G06Q20/10 , G06Q50/32
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/02
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.
摘要翻译：用于从发送者设备接收电子邮件消息的方法，系统和装置; 使用来自所述电子邮件消息的支付服务系统的数据处理装置，发送者电子邮件地址，服务电子邮件地址以及一个或多个接收者电子邮件地址; 为所述发送者电子邮件地址识别与所述支付服务系统相关联的发送者金融账户，并且针对所述一个或多个收件人电子邮件地址中的每一个识别与所述支付服务系统相关联的相应接收金融账户; 从所述电子邮件的主体或主体识别付款金额; 提交请求，使用支付服务系统从相应的发送者金融账户到相应的接收金融账户的支付金额。

5. 发明申请

WO2011047042A2 SYSTEMS AND METHODS FOR DYNAMIC RECEIPT GENERATION WITH ENVIRONMENTAL INFORMATION 审中-公开
标题翻译：具有环境信息的动态接收生成的系统和方法
公开(公告)号：WO2011047042A2
公开(公告)日：2011-04-21
申请号：PCT/US2010/052499
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）。

6. 发明申请

WO2013109372A1 MOBILE CARD PROCESSING USING MULTIPLE WIRELESS DEVICES 审中-公开
标题翻译：使用多种无线设备的移动卡处理
公开(公告)号：WO2013109372A1
公开(公告)日：2013-07-25
申请号：PCT/US2012/069908
申请日：2012-12-14
申请人： SQUARE, INC.
发明人： AARON, Paul , MOREL, Shawn , WEN, Sam , MANTIA, Louie , GATSBY, Daniel , ANDERSEN, Robert , DORSEY, Jack , CLARK, Christopher R.
IPC分类号： G06Q20/30
CPC分类号： G06Q20/322 , G06Q20/145 , G06Q20/353 , G07B13/00
摘要： A taxi fare system for a vehicle includes a meter, a wireless access point carried on the vehicle, a first mobile computing device a wireless, a second mobile computing device, a display and a credit card reader. The meter is configured to receive data from the vehicle indicating distance travelled, to measure waiting time, and to calculate an amount of a passenger fare based at least on the distance travelled and the waiting time. The first mobile computing device is positioned in a driver section of the vehicle and receives data from the meter. The second mobile computing device is positioned in a passenger section of the vehicle and receive card information from the card reader. The first and second mobile computing devices are configured to wirelessly connect to the wireless access point.
摘要翻译：用于车辆的出租车费用系统包括仪表，车辆上携带的无线接入点，第一移动计算设备，无线，第二移动计算设备，显示器和信用卡读卡器。该仪表被配置为从车辆接收指示行驶距离的数据，以测量等待时间，并且至少基于所行驶的距离和等待时间来计算乘客车费的数量。第一移动计算设备位于车辆的驾驶员部分中，并从计量表接收数据。第二移动计算设备定位在车辆的乘客部分中并从卡读卡器接收卡信息。第一和第二移动计算设备被配置为无线地连接到无线接入点。

7. 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。

8. 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。

9. 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.

10. 发明申请

WO2013074508A1 COST EFFECTIVE CARD READER CONFIGURED TO BE COUPLED TO A MOBILE DEVICE 审中-公开
标题翻译：成本有效的卡读卡器被配置为与移动设备耦合
公开(公告)号：WO2013074508A1
公开(公告)日：2013-05-23
申请号：PCT/US2012/064803
申请日：2012-11-13
申请人： SQUARE, INC.
发明人： DORSEY, Jack , BABU, Amish , MCKELVEY, James, M. , LAMBA, Kartik , SATHER, Elliot John, Patrick , ROTHSCHILD, Adam David, Peter
IPC分类号： G06K7/08
CPC分类号： G06K7/084
摘要： A read head is configured to be coupled to a mobile device. The read head has a slot for swiping a magnetic stripe of a card. The read head reads data on the magnetic stripe and produces a raw magnetic signal indicative of data stored on the magnetic stripe. Device electronics are provided with an analog front-end and a microcontroller. The analog to digital front end is coupled to a processing element in the microcontroller. The analog to digital front end receives a raw magnetic head signal and converts it into a processed digital signal that the microcontroller can interpret. The microcontroller produces a signal. An output jack is adapted to be inserted in a port of the mobile device and deliver an output jack signal to the mobile device.
摘要翻译：读头被配置为耦合到移动设备。读头具有用于刷卡的磁条的槽。读取头读取磁条上的数据，并产生指示存储在磁条上的数据的原始磁信号。器件电子器件提供模拟前端和微控制器。模拟数字前端耦合到微控制器中的处理元件。模拟数字前端接收原始磁头信号并将其转换为微控制器可解释的经处理的数字信号。微控制器产生一个信号。输出插孔适于插入到移动设备的端口中，并将输出插孔信号传送到移动设备。

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