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    • 61. 发明申请
    • METHODS AND SYSTEMS FOR FACILITATING MOBILE DEVICE PAYMENTS USING CODES AND CASHBACK BUSINESS MODEL
    • 使用代码和CASHBACK业务模型促进移动设备支付的方法和系统
    • US20130018782A1
    • 2013-01-17
    • US13620775
    • 2012-09-15
    • Tiger T G ZhouDylan T X ZhouAndrew H B Zhou
    • Tiger T G ZhouDylan T X ZhouAndrew H B Zhou
    • G06Q20/32
    • G06Q30/02G06Q20/322G06Q20/3274G06Q20/3276G06Q30/06G07G1/0081
    • Provided are methods and systems for facilitating mobile device payments using codes and cashback business model. Upon installation of an application on a mobile device, a customer may specify his payment information, which may include data on a credit/debit card or a bank checking account. Once the payment information has been specified, the customer may receive a unique code encoding his payment information. The customer may then start scanning product barcodes with his mobile device. To make payment for products, the unique code displayed on a screen of the customer mobile device may be scanned by a payment receiver mobile device. The payment receiver mobile device may further display customer records stored in a database of a payment processing system. Based on the customer records, the customer may be provided with various cashback opportunities, as well as credits and discounts.
    • 提供使用代码和现金回扣业务模式促进移动设备支付的方法和系统。 在移动设备上安装应用程序时,客户可以指定他的付款信息,其可以包括信用卡/借记卡或银行支票账户的数据。 一旦指定了支付信息,客户可以收到编码他的付款信息的唯一代码。 然后,客户可以用他的移动设备开始扫描产品条形码。 为了对产品进行支付,可以由支付接收者移动装置扫描在客户移动装置的屏幕上显示的唯一代码。 支付接收者移动装置还可以显示存储在支付处理系统的数据库中的客户记录。 根据客户记录,客户可能会获得各种现金返还机会,以及信用和折扣。
    • 62. 发明申请
    • FACILITATING MOBILE DEVICE PAYMENTS USING PRODUCT CODE SCANNING
    • 使用产品代码扫描来促进移动设备付款
    • US20120006891A1
    • 2012-01-12
    • US13185491
    • 2011-07-18
    • Tiger T G ZhouDylan T X ZhouAndrew H B Zhou
    • Tiger T G ZhouDylan T X ZhouAndrew H B Zhou
    • G06Q20/00
    • G06Q20/3274G06K7/1095G06K19/06112G06Q20/32G06Q20/401G06Q30/0267G06Q30/06G06Q30/0601G06Q30/0641
    • Provided are computer implemented methods and systems for facilitating mobile device payments using barcodes displayed on mobile devices and scanned by merchants at checkout counters. When a customer is ready to tender a payment to a merchant, instead of using a credit card, cash, or check, the customer activates an application on his mobile device. The mobile device includes or obtains information about the payment system of this merchant. Furthermore, the mobile device includes or obtains information about the customer/mobile device user and then uses these two pieces of information to generate and display a barcode that encodes customer payment information specific to this merchant. The barcode is scanned at the checkout counter and processed to retrieve customer records from a database of the payment processing system. These records are then used to transfer funds between the merchant and customer, obtain discounts, and/or perform other retail transactions.
    • 提供的是计算机实现的方法和系统,用于使用移动设备上显示的条形码进行移动设备支付,并在结帐柜台上由商家进行扫描。 当客户准备向商家投标付款时,客户不用使用信用卡,现金或支票来激活他的移动设备上的应用程序。 移动设备包括或获得关于该商家的支付系统的信息。 此外,移动设备包括或获取关于客户/移动设备用户的信息,然后使用这两条信息来生成和显示对该商家特有的客户支付信息进行编码的条形码。 条形码在结帐计数器处扫描,并处理以从支付处理系统的数据库中检索客户记录。 这些记录然后用于在商家和客户之间转移资金,获得折扣和/或执行其他零售交易。