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41. 发明申请

US20120005096A1 Method of conducting financial transactions 审中-公开
标题翻译：进行金融交易的方法
公开(公告)号：US20120005096A1
公开(公告)日：2012-01-05
申请号：US13179832
申请日：2011-07-11
申请人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
发明人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/347 , G06Q20/322 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
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。

42. 发明申请

US20110087596A1 Systems and methods for dynamic receipt generation with environmental information 审中-公开
标题翻译：用环境信息生成动态收据的系统和方法
公开(公告)号：US20110087596A1
公开(公告)日：2011-04-14
申请号：US12903828
申请日：2010-10-13
申请人： Jack Dorsey
发明人： Jack Dorsey
IPC分类号： G06Q20/00 , G06Q30/00
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。

43. 发明授权

US09436955B2 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 有权
标题翻译：使用付款服务转帐资金的方法，其中仅使用支付服务输入一次金融账户信息，无需重新输入以备将来转账
公开(公告)号：US09436955B2
公开(公告)日：2016-09-06
申请号：US13088032
申请日：2011-04-15
申请人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey
发明人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey
IPC分类号： G06F7/08 , G06K5/00 , G06Q30/06 , G06Q20/10 , G06Q20/32 , G06Q20/34 , G06Q40/02 , G07F7/08 , G06Q20/36
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。第一方在支付服务中注册，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。

44. 发明授权

US09016572B2 Systems and methods for financial transaction through miniaturized card with ASIC 有权
标题翻译：通过微型卡与ASIC进行金融交易的系统和方法
公开(公告)号：US09016572B2
公开(公告)日：2015-04-28
申请号：US13010976
申请日：2011-01-21
申请人： Amish Rajesh Babu , Jim McKelvey , Sam Wen , Jack Dorsey
发明人： Amish Rajesh Babu , Jim McKelvey , Sam Wen , Jack Dorsey
IPC分类号： G06K7/08 , G06K7/00 , G06K19/06 , G07F7/08 , G06Q20/32 , G06Q20/34 , G06Q30/06 , G06Q40/02
CPC分类号： G07F7/0886 , G06Q20/322 , G06Q20/347 , G06Q30/06 , G06Q40/02
摘要： A card reader device is provided with a housing having a slot for swiping a magnetic stripe of a 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 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 mobile device for provides the signal indicative of data stored on the magnetic stripe to the mobile device. A sourcing power device couples to an audio jack of the mobile device and sources power from the mobile device through the audio jack.
摘要翻译：读卡器设备设置有具有用于刷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。源电源设备耦合到移动设备的音频插孔，并通过音频插孔从移动设备发送电力。

45. 发明授权

US08662389B2 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 有权
标题翻译：具有支付服务的付款方式和由第一方选择并由第二方在第一方移动设备的任何地理位置打开的选项卡
公开(公告)号：US08662389B2
公开(公告)日：2014-03-04
申请号：US13605073
申请日：2012-09-06
申请人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey
发明人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey
IPC分类号： G06K5/00 , G06F7/08 , G06Q10/00 , G06Q30/00 , G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/347 , G06Q20/3224 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/0886
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 second parties (i) have an association with the payment service, and (ii) if they do not have an established association with the payment service 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 second party at any geographic location of a first party's mobile device. The 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, payment service and second party. The second party can engage in a financial transaction when 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。第二方（i）与支付服务有关联，以及（ii）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。由第一方打开可以在第一方的移动设备的任何地理位置由第二方选择的标签。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费。该标签是第一方，付款服务和第二方之间的关系。第二方可以在第一方在定义的地理区域内进行金融交易。

46. 发明申请

US20120095914A1 Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device 有权
标题翻译：通过小型化读卡器进行金融交易的系统和方法，在卖方的移动设备上进行解码
公开(公告)号：US20120095914A1
公开(公告)日：2012-04-19
申请号：US13012495
申请日：2011-01-24
申请人： Jim McKelvey , Sam Wen , Jack Dorsey
发明人： Jim McKelvey , Sam Wen , Jack Dorsey
IPC分类号： G06Q20/00 , G06K5/00 , 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。

47. 发明申请

US20120011024A1 Method for conducting financial transactions 有权
标题翻译：进行金融交易的方法
公开(公告)号：US20120011024A1
公开(公告)日：2012-01-12
申请号：US13192147
申请日：2011-07-27
申请人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
发明人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q30/06 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3223 , G06Q20/347 , G06Q20/40 , G06Q20/4016 , G06Q30/0613 , G06Q40/02 , G07F7/0886
摘要： A method is providing of paying second parties where if f they do not have an established association with the payment service, have an established association with the payment service 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 when the first party is within the defined geographic area. In response to the second party, (i) attempting to charge the first party or (ii) charging the first party, a determination is made to see if a fraudulent attempt or fraudulent use of the first party's financial account is committed.
摘要翻译：一种方法是提供支付第二方，如果他们没有与付款服务建立关联，则在付款之前与支付服务建立关联。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。合格的第二方可以在第一方在规定的地理区域内与第一方进行金融交易。针对第二方，（i）尝试向第一方收费或（ii）向第一方收费，确定是否发生欺诈性欺诈或欺诈性使用第一方财务帐户。

48. 发明申请

US20120005039A1 Method of conducting financial transactions 审中-公开
标题翻译：进行金融交易的方法
公开(公告)号：US20120005039A1
公开(公告)日：2012-01-05
申请号：US13179836
申请日：2011-07-11
申请人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
发明人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
IPC分类号： G06Q30/00
CPC分类号： G06Q30/06 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3223 , G06Q20/347 , G06Q20/40 , G06Q20/4016 , G06Q30/0613 , G06Q40/02 , G07F7/0886
摘要： A method is provided of conducting a financial transaction with reduced likelihood of fraud where a first party's financial account information is entered using the first party's mobile device with a single initial entry to a 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. In response to, (i) entering the first party's financial account information or (ii) using the first party's mobile device for a financial transaction following the single initial entry to the payment service, a determination is made to see if a fraudulent attempt or fraudulent use of the first party's financial account information is committed.
摘要翻译：提供一种进行金融交易的方法，其中使用第一方的移动设备输入第一方的财务帐户信息，并以单一的初始条目进入付款服务，从而减少欺诈的可能性。使用支付服务将资金转入和/或从第一方的金融账户转入。第一方在支付服务中注册，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。作为回应，（i）输入第一方的财务帐户信息或（ii）在单次初始进入付款服务后使用第一方的移动设备进行金融交易，确定是否存在欺诈性尝试或欺诈性承诺使用第一方的财务账户信息。

49. 发明授权

US08615445B2 Method for conducting financial transactions 有权
标题翻译：进行金融交易的方法
公开(公告)号：US08615445B2
公开(公告)日：2013-12-24
申请号：US13192147
申请日：2011-07-27
申请人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
发明人： Jack Dorsey , William Henderson , Brian Grassadonia , Jim McKelvey , Brian Joseph Neidermeyer
IPC分类号： G06Q30/00
CPC分类号： G06Q30/06 , G06Q20/24 , G06Q20/32 , G06Q20/322 , G06Q20/3223 , G06Q20/347 , G06Q20/40 , G06Q20/4016 , G06Q30/0613 , G06Q40/02 , G07F7/0886
摘要： A method is providing of paying second parties where if f they do not have an established association with the payment service, have an established association with the payment service 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 when the first party is within the defined geographic area. In response to the second party, (i) attempting to charge the first party or (ii) charging the first party, a determination is made to see if a fraudulent attempt or fraudulent use of the first party's financial account is committed.
摘要翻译：一种方法是提供支付第二方，如果他们没有与付款服务建立关联，则在付款之前与支付服务建立关联。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。合格的第二方可以在第一方在规定的地理区域内与第一方进行金融交易。针对第二方，（i）尝试向第一方收费或（ii）向第一方收费，确定是否发生欺诈性欺诈或欺诈性使用第一方财务帐户。

50. 发明授权

US08401009B1 Device independent message distribution platform 有权
公开(公告)号：US08401009B1
公开(公告)日：2013-03-19
申请号：US12177589
申请日：2008-07-22
申请人： Jack Dorsey , Christopher Isaac Stone
发明人： Jack Dorsey , Christopher Isaac Stone
IPC分类号： H04L12/28
CPC分类号： H04L51/046 , G06Q10/0631 , H04L51/04 , H04L51/066 , H04L51/36 , H04W4/14
摘要： A system (and method) for device-independent point to multipoint communication is disclosed. The system is configured to receive a message addressed to one or more destination users, the message type being, for example, Short Message Service (SMS), Instant Messaging (IM), E-mail, web form input, or Application Program Interface (API) function call. The system also is configured to determine information about the destination users, the information comprising preferred devices and interfaces for receiving messages, the information further comprising message receiving preferences. The system applies rules to the message based on destination user information to determine the message endpoints, the message endpoints being, for example, Short Message Service (SMS), Instant Messaging (IM), E-mail, web page output, or Application Program Interface (API) function call. The system translates the message based on the destination user information and message endpoints and transmits the message to each endpoint of the message.

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