Patent application number | Description | Published |
20110087596 | Systems and methods for dynamic receipt generation with environmental information - 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. | 04-14-2011 |
20120005039 | Method of conducting financial transactions - 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. | 01-05-2012 |
20120005096 | Method of conducting financial transactions - 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. | 01-05-2012 |
20120011024 | Method for conducting financial transactions - 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. | 01-12-2012 |
20120091200 | Card reader device without - A card reader device is provided that 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 positioned in the housing. The read head reads data stored on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head has sufficient impedance to set amplitude of 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 providing the signal indicative of data stored on the magnetic stripe to the mobile device. | 04-19-2012 |
20120091201 | Systems and methods for financial transaction through miniaturized card with ASIC - 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. | 04-19-2012 |
20120095857 | Systems and methods for financial transaction through miniaturized card reader with confirmation of payment sent to buyer - A system is provided that includes a transaction engine running on a mobile device. In response to a financial transaction between a buyer and a seller, the transaction uses the mobile device to accept information selected including but not limited to information from financial transaction or information pertaining to financial transaction card used by the buyer in the transaction. At least a portion of this information is communicated with a third party financial institution or payment network to authorize the transaction. The buyer receives confirmation of the payment. | 04-19-2012 |
20120095871 | Method for conducting on-line purchases using a mobile device and a payment service - 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. | 04-19-2012 |
20120095906 | 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 - 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. | 04-19-2012 |
20120095907 | Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system - 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. | 04-19-2012 |
20120095914 | Systems and methods for financial transaction through miniaturized card reader with decoding on a seller's mobile device - 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. | 04-19-2012 |
20120095916 | 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 - 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. | 04-19-2012 |
20120097739 | METHODS OF TRANSMITTING INFORMATION TO MOBILE DEVICES USING COST EFFECTIVE CARD READERS - A method of transmitting information to a mobile device includes providing a card reader is provided with a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes an analog front-end and a microcontroller. The analog to digital front end is coupled to a processing element in the microcontroller. A raw magnetic head signal is received at the analog to digital front end. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. An output jack output jack signal is delivered to the mobile device. | 04-26-2012 |
20120097740 | METHOD OF TRANSMITTING INFORMATION FROM A CARD READER WITH A POWER SUPPLY AND WAKE-UP CIRCUIT TO A MOBILE DEVICE - A method of transmitting information to a mobile device has a card reader with wake-up electronics and a microcontroller, and a power supply coupled to the wake-up electronics and the microcontroller. Data is read on the magnetic stripe. A raw magnetic signal is produced indicative of data stored on the magnetic stripe. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. An output jack signal is sent to the mobile device. | 04-26-2012 |
20120118956 | METHOD OF TRANSMITTING INFORMATION FROM EFFICIENT COMMUNICATION PROTOCOL CARD READERS TO MOBILE DEVICES - A method is provided of transmitting information with a communication protocol to a mobile device. A card reader is provided with a read head that has a slot for swiping a magnetic stripe of a card, an output jack and device electronics that includes a microcontroller. The read head is used to read data on a magnetic stripe of a card. A raw magnetic signal is produced indicative of data stored on the magnetic stripe. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. A synchronous Manchester encoded stream is produced that makes a greater number of 0 crossings. A Manchester encoded stream output jack signal is delivered to the mobile device through the output jack. | 05-17-2012 |
20120118959 | SMALL CARD READER CONFIGURED TO BE COUPLED TO A MOBILE DEVICE - A small card reader has a read head with a slot and positioned in a housing. The read head is configured to be coupled to a mobile device. The read head reads data on the magnetic stripe from a card that is slid in the slot and produces an output jack signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted in a port of the mobile device and deliver the output jack signal to the mobile device. The read head positioned to accommodate rocking of a card while being swept in the slot while producing a successful read of the magnetic stripe of the card. The rocking is in an amount of 1 to 10 degrees of rotation of a bottom surface of the card away from a bottom surface of the slot. | 05-17-2012 |
20120118960 | METHOD OF TRANSMITTING INFORMATION FROM A SMALL CARD READER TO A MOBILE DEVICE - A method of transmitting information to a mobile device converts a raw magnetic head signal into a processed digital signal that the microcontroller can interpret. Rocking of a card that is swept in a slot of the card reader is accommodated while producing a successful read of the magnetic stripe of the card. The rocking is in an amount of 1 to 10 degrees of rotation of a bottom surface of the card away from a bottom surface of the slot. An output jack signal is sent to the mobile device. | 05-17-2012 |
20120126005 | METHODS OF TRANSMITTING INFORMATION FROM EFFICIENT ENCRYPTION CARD READERS TO MOBILE DEVICES - A method of transmitting encrypted information to a mobile device and a payment service uses a card reader. The card reader has device electronics that include a microcontroller with logic resources with code and an output jack. A raw magnetic head signal is received from a reading of the card in the slot. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. The logic resources and the code create both an encryption and signed signal. An encrypted and signed output jack message is delivered to the mobile device through the output jack based on the contents of the signal, with at least a portion of the output jack signal being encrypted. | 05-24-2012 |
20120126006 | CARD READER WITH EFFICIENT ENCRYPTION - A card reader has a housing, read head and device electronics that receive a raw signal from the read head and converts it into a processed digital signal that the microcontroller can interpret. A microcontroller with associated logic resources and code receives a digital signal from the device electronics and creates an encrypted and signed message based on the contents of the signal. An output jack is provided. | 05-24-2012 |
20120126007 | CARD READER WITH COMMUNICATION PROTOCOL - A card reader has a read head positioned in the housing. The 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 that include a microcontroller. The device electronics receives a raw magnetic head signal and converts it into a processed digital signal that the microcontroller can interpret. The microcontroller produces a synchronous Manchester encoded stream that makes a greater number of 0 crossings. An output jack is adapted to be inserted in a port of the mobile device and deliver a Manchester encoded stream output jack signal to the mobile device. | 05-24-2012 |
20120126010 | COST EFFECTIVE CARD READER CONFIGURED TO BE COUPLED TO A MOBILE DEVICE - A has a read head 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. | 05-24-2012 |
20120126011 | CARD READER WITH POWER EFFICIENT ARCHITECTURE THAT INCLUDES A POWER SUPPLY AND A WAKE-UP CIRCUIT - These and other objects of the present invention are achieved in a card reader with a read head positioned in a housing. The read head is configured to be coupled to a mobile device and 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. A power supply is coupled to wake-up electronics and a microcontroller. 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. | 05-24-2012 |
20120126012 | METHOD OF TRANSMITTING INFORMATION FROM A POWER EFFICIENT CARD TO A MOBILE DEVICE - A method of transmitting information to a mobile device includes providing a read head with a slot for swiping a magnetic stripe of a card, a power supply coupled to wake-up electronics and a microcontroller. The wake-up electronics are powered by a microphone bias of a mobile device. | 05-24-2012 |
20120126013 | METHOD FOR TRANSMITTING INFORMATION FROM A CARD READER TO A MOBILE DEVICE WITH THE CARD READER HAVING READ HEAD OFFSET FROM A CENTER OF AN ASSOCIATED HOUSING - A method of transmitting information to a mobile device uses a card reader inside of a housing. The read head is positioned offset from a center of a magnetic strip when the card is in the slot and is in contact with a bottom of the slot. A card is slid in the slot. Data is read from the magnetic stripe. A raw magnetic signal is produced indicative of data stored on the magnetic stripe. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. An output jack signal is sent to the mobile device | 05-24-2012 |
20120126014 | CARD READER WITH OFFSET READ HEAD - A reader is provided that has a housing with a center point and a read head positioned in the housing. The 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 signal indicative of data stored on the magnetic stripe. The read head is positioned to be offset from the center point of the housing. 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. | 05-24-2012 |
20120130903 | BACK END OF PAYMENT SYSTEM ASSOCIATED WITH FINANCIAL TRANSACTIONS USING CARD READERS COUPLED TO MOBILE DEVICES - A method of reconstructing a packet that includes financial card information from a mobile device uses a card reader. The card reader has a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes a microcontroller with logic resources with code. The card reader has a unique identifier and associated cryptographic key. The same code is used to produce an encrypted and signed signal. The encrypted and signed signal, that includes the card reader identifier, is sent to the mobile device. The mobile device sends an encrypted and signed packet to a back end of a payment system. A cryptographic key is sued to decrypt and verify the contents of the packet at the back end. Non-encrypted financial card information is sent to a payment gateway. | 05-24-2012 |
20120132712 | CARD READER WITH POWER EFFICIENT ARCHITECTURE THAT INCLUDES A WAKE-UP CIRCUIT - A card reader is provided with a read head with a slot and is configured to be coupled to a mobile device and 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. A power supply is coupled to wake-up electronics and a microcontroller. 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. The wake-up electronics is powered by a microphone bias of a mobile device. | 05-31-2012 |
20120138683 | METHOD OF TRANSMITTING INFORMATION FROM A CARD READER WITH AN ASYMMETRIC SPRING TO A MOBILE DEVICE - A method of transmitting information to a mobile device uses a card reader that has an asymmetric spring. The card reader includes a housing with length, height and width dimensions, a read head with a slot, a microcontroller, an output jack and the asymmetric spring coupled to the read head. The asymmetrical spring positions the read head to be offset in the housing, with the housing length and height edges being non-symmetrical in respect to the length and height edges of the read head. A card is slid in the slot. Data is read from the magnetic stripe; A raw magnetic signal is produced indicative of data stored on the magnetic stripe. The raw magnetic head signal is converted into a processed digital signal that the microcontroller can interpret. An output jack signal is sent to the mobile device. | 06-07-2012 |
20120168505 | CARD READER WITH ASYMMETRIC SPRING - A card reader is positioned in a housing that has length, height and width dimensions. The read head is configured to be coupled to a mobile device and has a slot for swiping a magnetic stripe of a card. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head has length, height and width edge surfaces. An asymmetric spring is coupled to the read head. The asymmetric spring positions the read head to be offset in the housing with the housing length and height edges being non-symmetrical in respect to the length and height edges of the read head. 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. | 07-05-2012 |
20130031003 | 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 - 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. | 01-31-2013 |
20130031004 | 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 partys mobile device - 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) that 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, the payment service and the second party. The second party can engage in a financial transaction when the first party is within the defined geographic area. | 01-31-2013 |
20130132274 | CARDLESS PAYMENT TRANSACTIONS - A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization. | 05-23-2013 |
20130159119 | CARDLESS PAYMENT TRANSACTIONS - A method that includes obtaining a current location of a mobile device of a customer; sending the current location to a cardless payment system; determining whether to send, to the cardless payment system, an indication of consent to perform a cardless payment transaction with the merchant; displaying on the mobile device whether the merchant is authorized to perform a cardless payment transaction with the customer. | 06-20-2013 |
20130185124 | Mobile Card Processing Using Multiple Wireless Devices - 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. | 07-18-2013 |
20130185208 | HANDLING TRANSACTION AND TRIP DATA - A method for a transaction with a taxi includes receiving from a mobile device in a vehicle an amount of a fare for a passenger trip, receiving trip information from the mobile device, the trip information including a start time, an end time and a distance traveled for the passenger trip, receiving a card number from the mobile device, submitting the transaction for authorization of payment, receiving an indication that the transaction is authorized, accessing financial payment information associated with an account of a driver of the vehicle, the financial payment information sufficient to make a deposit to a financial account of the driver, submitting the transaction for processing to make the deposit in the amount of the fare to the financial account of the driver, and sending the trip information to a computer system of the dispatch service. | 07-18-2013 |
20130200147 | Decoding systems with a decoding engine running on a mobile device with a touch screen - A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. A user interaction engine is configured to utilize a touch screen of the mobile device. A first party or second party can input at least one of numbers, characters, and signatures by touching the touch screen. | 08-08-2013 |
20130200148 | Decoding system running on a mobile device and coupled to a payment system that includes at least one of, a user database, a product database and a transaction database - A decoding system runs on a mobile device and is coupled to a payment system. The decoding engine decodes signals produced from a read of a first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. A payment system, in communication with the transaction engine, includes at least one of, a user database, a product database, and transaction database. | 08-08-2013 |
20130200149 | Decoding systems with a decoding engine running on a mobile device and using financial transaction card information to create a send funds application on the mobile device - A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine. At least a portion of a first party's financial card information or information relative to a first party's financial account is used to create a mobile device payment application on the mobile device. | 08-08-2013 |
20130200153 | Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system - A decoding system with a decoding engine running on a mobile device decodes signals produced from a read of a buyer's financial transaction card, accepts and initializes incoming signals from a read of a buyer's financial transaction card until the signals reach a steady state, detects the read of the buyer's financial transaction card once the incoming signals are in a steady state, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the mobile device and is coupled to the decoding engine. A payment system is in communication with the transaction engine and with a buyer's financial transaction card institution or a first party's financial account. The payment system includes identifying information of second parties qualified by the payment system to conduct business with the payment system. | 08-08-2013 |
20130200154 | Decoding systems with a decoding engine running on a mobile device configured to be coupled and decoupled to a card reader with wake-up electronics - A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card, accepts and initializes incoming signals from a read of a first party's financial transaction card. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party, so that the first party does not have to share his/her financial transaction card information with the second party. The decoding system is configured to be coupled and decoupled to a card reader with wake-up electronics. | 08-08-2013 |
20130204788 | Cost effective card reader and methods to be configured to be coupled to a mobile device - A decoding system, with a decoding engine, runs on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card until the signals reach a steady state, identifies peaks in the incoming signals and digitizes the identified peaks into bits. A transaction engine is coupled to the decoding engine. The transaction engine receives, as its input, decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party. The first party does not have to share his/her financial transaction card information with the second party. The transaction engine is configured to be coupled to a payment system and a first party's financial transaction card institution or a first party's financial account. | 08-08-2013 |
20130204791 | Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system - A decoding system with a decoding engine running on a mobile device The decoding engine decodes signals produced from a read of a buyer's financial transaction card, accepts and initializes incoming signals from a read of a buyer's financial transaction card until the signals reach a steady state, detects the read of the buyer's financial transaction card once the incoming signals are in a steady stat, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the mobile device and is coupled to the decoding engine. A payment system is in communication with the transaction engine and with a buyer's financial transaction card institution or a first party's financial account. The payment system includes identifying information of second parties qualified by the payment system to conduct business with the payment system. | 08-08-2013 |
20130204792 | Decoding systems with a decoding engine running on a mobile device and coupled to a social network - A decoding system has a decoding engine running on a mobile device. The decoding engine decodes signals produced from a read of a first party's financial transaction card, accepts and initializes incoming signals from a read of a first party's financial transaction card, and detects a read of the first party's financial transaction card. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party, so that the first party does not have to share his/her financial transaction card information with the second party. A social network is in communication with the transaction engine. | 08-08-2013 |
20130254118 | Decoding system coupled to a payment system that includes a cryptographic key - A decoding system includes a decoding engine running on a mobile device that decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card until the signals reach a steady state, detects the read once the incoming signals are in a steady state, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party, so that the first party does not have to share his/her financial transaction card information with the second party. | 09-26-2013 |
20140001257 | DECODING SYSTEMS WITH A DECODING ENGINE RUNNING ON A MOBILE DEVICE AND COUPLED TO A PAYMENT SYSTEM THAT INCLUDES IDENTIFYING INFORMATION OF SECOND PARTIES QUALIFIED TO CONDUCT BUSINESS WITH THE PAYMENT SYSTEM | 01-02-2014 |
20140012689 | AUTHORIZATION OF CARDLESS PAYMENT TRANSACTIONS - A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization. | 01-09-2014 |
20140012757 | AUTHORIZATION OF CARDLESS PAYMENT TRANSACTIONS - A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization. | 01-09-2014 |
20140144983 | Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system - A decoding system with a decoding engine running on a tablet. The decoding engine decodes signals produced from a read of a buyer's financial transaction card, accepts and initializes incoming signals from a read of a buyer's financial transaction card until the signals reach a steady state, detects the read of the buyer's financial transaction card once the incoming signals are in a steady stat, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the tablet and is coupled to the decoding engine. A payment system is in communication with the transaction engine and with a buyer's financial transaction card institution or a first party's financial account | 05-29-2014 |
20140279436 | TRANSFERRING MONEY USING EMAIL - 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. | 09-18-2014 |
20140279446 | TRANSFERRING MONEY USING EMAIL - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account. | 09-18-2014 |
20140279447 | TRANSFERRING MONEY USING EMAIL - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account. | 09-18-2014 |
20150154581 | SYSTEMS AND METHODS FOR DYNAMIC RECEIPT GENERATION WITH ENVIRONMENTAL INFORMATION - 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. | 06-04-2015 |
20150178704 | SYSTEMS AND METHODS FOR FINANCIAL TRANSACTION THROUGH CARD READER IN COMMUNICATION WITH THIRD PARTY FINANCIAL INSTITUTION WITH ENCRYPTED INFORMATION - A system is provided that includes a transaction engine running on a mobile device. In response to a financial transaction between a buyer and a seller, the transaction uses the mobile device to accept information selected including but not limited to information from financial transaction or information pertaining to financial transaction card used by the buyer in the transaction. At least a portion of this information is communicated with a third party financial institution or payment network to authorize the transaction. Encrypted information is sent to the third party payment system authorizing a financial transaction. | 06-25-2015 |