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    PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS
    4.
    发明申请
    PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS 审中-公开
    同行对等的财务交易设备和方法

    公开(公告)号：WO2010039337A3

    公开(公告)日：2010-07-22

    申请号：PCT/US2009053441

    申请日：2009-08-11

    Applicant: APPLE INC ,  LIN GLORIA ,  MIKHAK AMIR MAHMOOD ,  NAKAJIMA TAIDO LANTZ ,  MAYO SEAN ANTHONY ,  ROSENBLATT MICHAEL

    Inventor： LIN GLORIA ,  MIKHAK AMIR MAHMOOD ,  NAKAJIMA TAIDO LANTZ ,  MAYO SEAN ANTHONY ,  ROSENBLATT MICHAEL

    IPC: G06Q20/00

    CPC classification number: G06Q20/40 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/3278

    Abstract: Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices 10, 92. In one embodiment, a request for payment is transmitted from a first device 10 to a second device 92 using a near field communication (NFC) interface 46. In response to the request, the second device 92 may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers 100 configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device 10 may include a camera 48 configured to obtain an image of a payment instrument. The device 10 may further include an application to extract payment information from the acquired image.

    Abstract translation: 提供了用于使用一个或多个电子设备10,92进行对等金融交易的各种技术。在一个实施例中，使用近场通信从第一设备10向第二设备92发送支付请求（ NFC）接口46.响应于该请求，第二设备92可以向第一设备发送支付信息。 第一设备可以选择记账账户，并且使用合适的通信协议可以将所接收的支付信息和所选贷方账户传送到被配置为处理和确定支付是否被授权的一个或多个外部金融服务器100。 如果付款被授权，则可以向所选择的记账帐户记入付款。 在另一实施例中，设备10可以包括被配置为获得支付工具的图像的相机48。 设备10还可以包括从所获取的图像中提取支付信息的应用。

    PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS
    5.
    发明公开
    PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS 审中-公开
    器件和方法对等网络金融交易

    公开(公告)号：EP2332105A4

    公开(公告)日：2012-07-25

    申请号：EP09818165

    申请日：2009-08-11

    Applicant: APPLE INC

    Inventor： LIN GLORIA ,  MIKHAK AMIR MAHMOOD ,  NAKAJIMA TAIDO LANTZ ,  MAYO SEAN ANTHONY ,  ROSENBLATT MICHAEL

    IPC: G06Q20/00 ,  G06Q40/00

    CPC classification number: G06Q20/40 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/3278

    Abstract: Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices 10, 92. In one embodiment, a request for payment is transmitted from a first device 10 to a second device 92 using a near field communication (NFC) interface 46. In response to the request, the second device 92 may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers 100 configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device 10 may include a camera 48 configured to obtain an image of a payment instrument. The device 10 may further include an application to extract payment information from the acquired image.

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