公开(公告)号：WO2013066543A1

公开(公告)日：2013-05-10

申请号：PCT/US2012/058133

申请日：2012-09-28

Applicant: APPLE INC.

Inventor： VIGIER, Benjamin ,  FUGMAN, Corey ,  KRSMANOVIC, Filip ,  VAN DER MERWE, Rudolph ,  NOBLE, Samuel, G. ,  SU, Yingfeng ,  SHAMS, Khawaja ,  MARIADASSOU, Vijay

IPC: G06Q30/00

CPC classification number: G06Q30/06 ,  G06Q20/20 ,  G06Q20/322

Abstract: Customers can use their own mobile devices to pay for products in a "self- service" transaction, without the assistance of a store employee and without the need for the store to provide a self-service checkout kiosk. The customer's device communicates with a server maintained by the store to identify the product(s) being purchased and to provide a digital credential that the server can use to look up financial account information for the customer. The server can process a payment transaction to the financial account and notify the customer's device of the result. In some cases, an employee device can provide product identification for a purchase to the server and associate the customer device with the purchase, allowing the customer to complete the transaction directly with the store server.

Abstract translation: 客户可以使用自己的移动设备在“自助”交易中支付产品，而无需店员的帮助，而不需要商店提供自助服务结帐亭。 客户的设备与由商店维护的服务器进行通信，以识别所购买的产品，并提供服务器可用于查找客户的金融帐户信息的数字凭证。 服务器可以处理金融账户的支付交易，并将结果通知给客户的设备。 在某些情况下，员工设备可以向服务器提供购买的产品标识，并将客户设备与购买相关联，从而允许客户直接与商店服务器完成交易。