CN102282578A - Peer financial transaction devices and methods - Google Patents

Peer financial transaction devices and methods Download PDF

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Publication number
CN102282578A
CN102282578A CN200980144797XA CN200980144797A CN102282578A CN 102282578 A CN102282578 A CN 102282578A CN 200980144797X A CN200980144797X A CN 200980144797XA CN 200980144797 A CN200980144797 A CN 200980144797A CN 102282578 A CN102282578 A CN 102282578A
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China
Prior art keywords
payment
account
device
transaction
information
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CN200980144797XA
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Chinese (zh)
Inventor
A·M·米克哈克
G·林
M·罗森布拉特
S·A·玛尤
T·L·纳卡基玛
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苹果公司
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Priority to US12/286,488 priority Critical patent/US20100082481A1/en
Priority to US12/286,410 priority
Priority to US12/286,494 priority
Priority to US12/286,410 priority patent/US20100078471A1/en
Priority to US12/286,494 priority patent/US20100078472A1/en
Priority to US12/286,488 priority
Application filed by 苹果公司 filed Critical 苹果公司
Priority to PCT/US2009/053441 priority patent/WO2010039337A2/en
Publication of CN102282578A publication Critical patent/CN102282578A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/223Payment schemes or models based on the use of peer-to-peer networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices

Abstract

提供了使用一个或多个电子设备(10,92)执行对等金融交易的各种技术。 It offers a variety of techniques using one or more electronic devices financial transactions (10,92) perform peer. 在一个实施例中,使用近场通信(NFC)接口(46)将支付请求从第一设备(10)传输给第二设备(92)。 In one embodiment, using near field communication (NFC) interface (46) from the payment request (10) transmitting the first device to the second device (92). 响应于该请求,第二设备(92)可以将支付信息传输给第一设备。 In response to the request, the second device (92) can transmit payment information to the first device. 第一设备可以选择存入账户,并且可以使用适合的通信协议将接收到的支付信息和所选择的存入账户传送给一个或多个外部金融服务器(100),所述外部金融服务器被配置为处理和确定是否可以授权该支付。 The first device may be selected into account, and may be used for the communication protocol of the received payment information and transmits the selected account stored in the one or more external to a financial server (100), the external financial server is configured to treatment and determine whether you can authorize the payment. 如果授权该支付,则支付可被存入所选择的存入账户。 If authorized the payment, the payment can be deposited into the selected account. 在另一个实施例中,设备(10)可以包括被配置为获得支付工具的图像的照相机(48)。 In another embodiment, the device (10) may include a camera (48) is configured to obtain an image of the payment instrument. 设备(10)还可以包括从获取的图像中提取支付信息的应用。 Apparatus (10) may further include extracting information from the payment application acquired image.

Description

对等金融交易设备和方法 Peer financial transaction devices and methods

技术领域 FIELD

[0001] 本公开的实施例一般地涉及对等交易,并且更具体地,涉及配置为发起和处理这种交易的各种系统、方法和电子设备。 [0001] Example embodiments of the present disclosure generally relate to other transactions, and more particularly, relates configured to initiate and process a variety of systems, methods and apparatus of such electronic transactions.

背景技术 Background technique

[0002] 本节旨在向读者介绍可能与在下面描述和/或提出的本发明的各个方面有关的各种方面。 [0002] This section is intended to introduce the reader to various aspects may be related to various aspects of the invention described below and / or raised. 相信本讨论有助于给读者提供背景信息,以有助于对本发明的各个方面的更好理解。 This discussion is believed to help the reader with background information to facilitate a better understanding of the various aspects of the present invention. 因此,应当理解,应当据此阅读这些表述,而不是作为对现有技术的承认。 Therefore, it should be understood that these statements should be read in, and not as admissions of prior art.

[0003] 当前存在许多支付工具,并且可用于执行两方或更多方之间的金融交易。 [0003] There are many current payment instruments, and can be used to perform financial transactions between two or more parties. 例如,可以使用信用卡(credit card)、借记卡(debit card)、支票、电子支票和现金进行支付。 For example, you can use a credit card (credit card), debit card (debit card), checks, electronic checks and cash payments. 近年来,电子商务的发展至少部分地归因于信用卡、借记卡和其它基于非货币支付工具的流行。 In recent years, the development of e-commerce is at least partly due to credit cards, debit cards and other popular based on non-monetary payment instruments. 另外,由于消费者可能不总是手边有精确数目的现金以便诸如向供应商或零售商支付未付的费用清单(invoice)或账单(bill),有时从消费者的信用卡支取所欠数目可能更方便。 In addition, because consumers may not always have the exact number of cash on hand to pay the cost of the list, such as unpaid (invoice) or bill (bill) to the supplier or retailer, sometimes more likely to withdraw outstanding amount from the consumer's credit card Convenience.

[0004] 随着我们进入更为移动和快节奏的社会,对现金或货币的使用正逐渐被以使用信用卡、借记卡等的电子交易取代。 [0004] As we move into a more mobile and fast-paced society, the use of cash or currency is gradually being replaced by electronic transactions using credit cards, debit cards and the like. 因此,消费者同时持有多个非货币账户(例如,多个信用卡或对应于相应银行业务提供商的借记卡)是常见的,每个账户可专用于特定类型的购买或金融交易。 Therefore, consumers also holds a plurality of non-currency accounts (for example, several credit cards or debit cards correspond to the respective bank service providers) are common, each account can be dedicated to specific types of purchases or financial transactions. 例如,消费者可以同时持有可专用于汽油或汽车购买的信用卡账户、特别用于与旅行相关的购买的信用卡账户、用于各种购买的通用信用卡账户、以及仅可用于特定零售商或供应商的一个或多个会员卡账户。 For example, consumers can hold at the same time can be dedicated to car buying gasoline or credit card account, especially for the purchase of travel-related credit card account, for a variety of general-purpose credit card accounts to purchase, and can only be used for a particular retailer or supply one or more business membership card account. 另外,消费者还可以同时持有与相应银行业务提供商相关联的一个或多个借记卡账户。 In addition, consumers can also hold a service provider associated with the respective bank accounts or more debit cards at the same time.

[0005] 可以理解,消费者可以借助表示账户的支付工具(诸如信用卡),使用任何上面讨论的账户进行支付或参与金融交易。 [0005] It is understood that the consumer can make use of accounts represent payment instruments (such as credit card), discussed above using any account to make payments or participate in financial transactions. 然而,随着消费者持有的支付账户(payment account) 数目的增加,携带大量信用卡/借记卡变得越来越不方便。 However, as consumers hold payment accounts (payment account) number increases, carry large amounts of credit / debit cards become more and more inconvenient. 另外,虽然使用上面讨论的账户进行的支付可以容易地与零售商和供应商业务兼容,包括在hternet上在线建立的零售商和供应商业务,但是从这些账户进行的支付可能不总是被其它消费者或“对等方”容易地接受。 In addition, although the account discussed above can be paid easily compatible with retailers and suppliers of services, including on-line hternet established retailers and suppliers, payment but made from these accounts may not always be other consumers or "peer" readily accepted.

发明内容 SUMMARY

[0006] 下面概述此处作为例子公开的实施例的某些方面。 [0006] Examples disclosed herein SUMMARY Certain aspects of the following embodiments. 应当理解,仅给出这些方面以便给读者提供此处公开和/或提出的各种技术可能采取的形式的简要概述,不旨在局限此处公开和/或提出的任何技术的范围。 It should be understood that these aspects are given only to provide the public here and / or proposed various techniques may take the form of a brief overview of the reader and are not intended limitations herein disclosed and / or scope of any proposed technology. 实际上,此处公开和/或提出的任何技术可以包括可能未在下面提出的多个方面。 In fact, any of the techniques disclosed and / or presented herein may include a plurality of aspects that may not be set forth below.

[0007] 本公开一般地涉及用于使用便携设备执行对等交易的各种技术。 [0007] The present disclosure relates generally to the use of the mobile device to perform various transactions such techniques. 根据一个公开的实施例,便携电子设备可配置为存储表示用户持有的一个或多个账户的信息。 Information of one or more accounts held by the user in accordance with the disclosed embodiment shows an embodiment, portable electronic device may be configured to store. 例如,存储的信息可以表示用户持有的一个或多个信用卡账户。 For example, the stored information can represent one or more credit card accounts held by the user. 如本公开中使用的,术语“信用卡”应当被理解为包括任何类型的卡,包括符合IS07810标准的卡,诸如信用卡、借记卡、签账卡、礼品卡等。 As used in this disclosure, the term "credit card" should be understood to include any type of card, including card conforms to IS07810 standards, such as credit cards, debit cards, charge cards, gift cards and the like. 在一个实施例中,信用卡可以使用编码在卡上的磁条存储用户的账户信息(例如, IS07813标准)。 In one embodiment, credit card account information can be encoded using the magnetic strip on the card is stored in the user (e.g., IS07813 standard). 在其它实施例中,如下面描述的,信用卡可以包括配置为存储用户的账户信息的存储设备(例如,在上述磁条以外)。 In other embodiments, as described below, may include credit card configured to store user account information storage device (e.g., other than the magnetic stripe). 便携设备还可以配置为存储关于用户持有的一个或多个银行账户的信息。 Portable devices can also be configured to store information about a user or information held by a number of bank accounts.

[0008] 还可以给便携设备提供配置为发送或传输存储在设备上的信息的一个或多个通信接口。 [0008] can also provide a transmission configured to transmit or store one or more communication interfaces on the device information to the portable device. 例如,基于从用户接收的输入或命令,便携设备可配置为通过例如向外部设备(例如,作为收款人)传输存储在设备上的对应于信用卡账户的支付信息而启动支付(例如,作为付款人)。 For example, based on input received from a user or commands, the portable device may be configured by, for example (e.g., as the recipient) of the corresponding network device is stored on the payment information to the credit card account to the external device to initiate payment (e.g., as a payment people). 在一个实施例中,接收设备可以是类似的便携电子设备。 In one embodiment, the receiving device may be similar to portable electronic device. 另外,设备可被配置为从外部设备接收支付信息,并且发起交易请求,以便处理接收到的支付信息,从而将相应支付存入存储在设备上的适当账户(例如,银行账户)。 Further, the device may be configured to receive payment information from the external device, and initiates a transaction request for processing the received payment information, stored in the storage so that the corresponding appropriate payment accounts (e.g., bank account) on the device. 例如,交易请求可以包括与被配置为提供所请求交易的授权的一个或多个外部服务器通信。 For example, the transaction request may include providing one or more external server communication authorization of the transaction requested and configured.

[0009] 电子设备还可以包括一个或多个输入设备,诸如照相机设备,以及多个通信接口, 其可以包括近场通信(NFC)接口。 [0009] The electronic device may further comprise one or more input devices, such as a camera device, and a plurality of communication interfaces, which may include a near field communication (NFC) interface. 根据一个实施例,设备可以借助NFC握手操作,使用NFC 接口发起与外部设备的支付信息发送和接收。 According to one embodiment, the device can use NFC handshake operation using NFC interface with an external device to initiate transmission and reception of payment information. 另外,电子设备还可以使用设备标识联网协议与外部设备建立通信链路,以便接收或发送支付信息。 Further, the electronic device may also use the device identification networking protocol to establish a communication link with an external device, to receive or transmit payment information.

[0010] 在其它实施例中,电子设备可以包括用于处理图像以便提取信息的图像处理应用。 [0010] In other embodiments, the electronic device may include an image processing for image processing so as to extract the application information. 例如,使用上面讨论的照相机输入设备,可以获取付款人的支付工具的图像,所述支付工具可以包括信用卡、支票等。 For example, using the input device discussed above camera can capture images of the payment instrument to the payer, the payment instruments may include credit cards, checks and the like. 可以处理获取的图像,以便提取并且确定关于支付工具所表示的支付账户的信息。 It can process images acquired in order to extract and determine the payment account information regarding payment instruments represented. 因此,电子设备可以使用提取的信息向一个或多个金融服务器传输包括提取的支付账户信息的请求,以便进行支付授权。 Thus, the electronic device may use the extracted information transmission request includes a payment account of the extracted information to one or more financial server, for payment authorization. 另外,当前描述的技术,其可以包括方法、系统和设备,可以提供用于执行对等金融交易的方便的方法和系统,并且为发送和接收支付提供单个交易点,从而减少或消除用户携带每个物理支付工具(例如,多个信用卡/ 借记卡)的必要。 Further, the presently described technology, which may include a method, system and apparatus can provide a method and a system for performing peer to facilitate financial transactions, and provides a single transaction point to send and receive payment, thereby reducing or eliminating each user carrying physical payment instruments (for example, multiple credit / debit card) is necessary.

[0011] 当前描述的技术还可以提供用于执行包括多个组交易成员的组交易的一个或多个系统。 [0011] The presently described technology may also be provided for performing one or more transactions system comprising a plurality of groups of members of the group of transactions. 在一个实施例中,组交易成员可以包括操作电子设备的发起人。 In one embodiment, the transaction may be a member of the group comprising the promoters of the electronic device operation. 发起人可以发起主交易,以便支付包含每个组交易成员所欠数目的整个组费用清单。 Main sponsor can initiate the transaction, in order to pay for the entire group list contains the number of the members of each group transaction owed. 此后,发起人可以与其余的组交易成员中的每一个执行一个或多个副交易,以便收集所欠的相应数目。 Thereafter, the initiator may perform one or more of each of the remaining sub-transaction group members in the transaction, to collect the corresponding number owed. 可以理解, 可以使用上面简要解释的一个或多个通信或图像处理技术来执行未付支付的收集。 It will be appreciated, the collection may be performed using the outstanding payment briefly explained above communication or one or more image processing techniques. 另外, 在其它实施例中,发起人可以是费用清单的创建者,并且直接收集对应于组交易成员所欠数目的支付(例如,没有上面讨论的主交易)。 In addition, in other embodiments, the initiator can be the creator of the cost of inventory, and collected directly corresponds to the number of group members owed payment transaction (for example, no primary transaction discussed above).

[0012] 还给该电子设备提供应用,诸如适用于提供上面讨论的功能的存储在一个或多个机器可读介质上的计算机程序。 [0012] providing an application back to the electronic device, such as a memory function adapted to provide the above-discussed program on a computer readable medium in one or more machines. 在一个实施例中,设备可以包括显示器,并且该应用可以提供可以在显示器上观看的图形用户界面。 In one embodiment, the device may include a display, and the application may provide a graphical user interface that can be viewed on a display. 借助图形界面,用户可以操作设备以便执行下面更详细描述的一个或多个上述功能。 The graphical interface, users can operate the device to perform one or more of the functions described in greater detail below.

[0013] 关于本公开的各个方面,可以存在上述特征的各种改进。 The various [0013] Various aspects of the present disclosure about the possible presence of the above improved characteristics. 其它特征也可被结合在这些各种方面内。 Further features may also be incorporated in these various aspects. 这些改进和附加特征可以独立或以任何组合存在。 These refinements and additional features may exist independently or in any combination. 例如,下面关于一个或多个示出的实施例讨论的各种特征可被单独或以任何组合结合在本公开的任何上述方面内。 For instance, various features discussed below in relation to one or more embodiments of the illustrated embodiments may be incorporated alone or in any combination in any of the above aspects of the present disclosure. 同样,上面给出的简要概述仅旨在使得读者熟悉本公开的实施例的某些方面和上下文,而不是对提出的主题内容的限制。 Similarly, a brief overview given above is intended only to make the reader familiar with some aspects of the disclosure and the context of the embodiments and not limit the subject matter of the proposed. 附图说明 BRIEF DESCRIPTION

[0014] 当参考附图阅读某些示例实施例的下列详细描述时,将更好地理解本公开的这些和其它特征、方面和优点,其中类似的标号在所有附图中表示类似部件,其中: [0014] When reading the following detailed description with reference to the accompanying drawings certain exemplary embodiments, will be better understood and other features present such, aspects, and advantages of the disclosure, wherein like numerals represent like parts throughout the drawings, wherein :

[0015] 图1是根据一个实施例的电子设备的正视图; [0015] FIG. 1 is a front view of an electronic device according to the embodiment of FIG;

[0016] 图2是图1所示的电子设备的后视图; [0016] FIG. 2 is a rear view of the electronic apparatus shown in Figure 1;

[0017] 图3是简化方框图,示出了可以在图1所示的电子设备中使用的组件; [0017] FIG. 3 is a simplified block diagram illustrating the electronic components may be used in the apparatus shown in Figure 1;

[0018] 图4是示出了根据一个实施例,图1的设备和与图1的设备通信的外部设备之间的对等交易的处理的方框图,其中图1的设备作为收款人设备,并且其中外部设备作为付款人设备; [0018] FIG. 4 is a block diagram showing a process according to the embodiment between the apparatus of Figure 1 and the external device communication apparatus of FIG. 1 and the like transactions, the apparatus of FIG. 1 in which a payee device, and wherein the payer device as an external device;

[0019] 图5A示出了可以在图1的设备上显示的多个屏幕,示出了将信用卡信息存储在图1的设备内的方法; [0019] FIG. 5A illustrates a plurality of screens that may be displayed on the apparatus of Figure 1, it shows a method of credit card information stored in the apparatus of Figure 1;

[0020] 图5B示出了可以在图1的设备上显示的多个屏幕,示出了用于验证在图5A中输入的信用卡信息的方法; [0020] FIG. 5B illustrates a plurality of screens that may be displayed on the apparatus of Figure 1, illustrating a method for verifying the credit card information is entered in FIG. 5A;

[0021] 图6A示出了可以在图1的设备上显示的多个屏幕,示出了将银行信息存储在图1 的设备内的方法; [0021] FIG. 6A illustrates a plurality of screens that may be displayed on the apparatus of Figure 1, illustrating a method for the bank information stored in the apparatus of Figure 1;

[0022] 图6B示出了可以在图1的设备上显示的多个屏幕,示出了用于验证在图6A中存储的银行信息的方法; [0022] FIG 6B illustrates a plurality of screens that may be displayed on the apparatus of Figure 1, illustrating a method for verifying the information stored in the bank of FIG. 6A;

[0023] 图7示出了可以在图1的设备上显示的多个屏幕,示出了在图1的设备上配置默认支付账户(payment account)的方法; [0023] FIG. 7 illustrates a plurality of screens that may be displayed on the apparatus of Figure 1, illustrating a method of configuring the device of FIG. 1 in the default payment account (payment account); and

[0024] 图8示出了可以在图1的设备上显示的多个屏幕,示出了在图1的设备上配置默认存入账户(crediting account)的方法; [0024] FIG. 8 illustrates a plurality of screens that may be displayed on the apparatus of Figure 1, illustrating a method of configuring the device in Figure 1 into account the default (crediting account); and

[0025] 图9示出了可以在图1的设备上显示的多个屏幕,示出了根据一个实施例配置授权PIN码的方法; [0025] FIG 9 illustrates a plurality of screens that may be displayed on the apparatus of Figure 1, it shows a method authorized PIN code configured in accordance with one embodiment;

[0026] 图IOA和IOB示出了可以在图1的设备上显示的多个屏幕,示出了根据一个实施例锁定和解锁存储在图1的设备上的交易应用的方法; [0026] FIGS. IOA and IOB shows a plurality of screens that may be displayed on the apparatus of Figure 1, illustrates a method embodiment of a transaction application stored on the locking and unlocking apparatus of Figure 1 according to the embodiment;

[0027] 图IlA示出了一个流程图,示出了根据一个实施例操作图4的收款人设备以便发起交易的方法; [0027] FIG IlA shows a flowchart illustrating a method of operating a device according to a payee embodiment of FIG. 4 in order to initiate a transaction;

[0028] 图IlB示出了一个流程图,示出了根据一个实施例操作图4的付款人设备以便响应由图IlA的方法发起的交易的方法; [0028] FIG IlB shows a flowchart illustrating a method of operation in accordance with one embodiment payer device embodiment of FIG. 4 in response initiated by the method of FIG IlA transaction;

[0029] 图12A-12C是根据本技术的方面,适用于执行可以在图4的收款人和付款人设备之间执行的各种类型的交易的系统的示意表示; A schematic system of various types of transaction [0029] FIGS. 12A-12C in accordance with aspects of the present technique is applicable to execution may be performed between the payer and the payee device of FIG. 4 showing;

[0030] 图13是示出了在图12A-12C所示的交易期间,可以在图4的收款人和付款人设备之间发生的通信过程的示意表示; [0030] FIG. 13 is a diagram showing during the transaction shown in FIGS. 12A-12C, a schematic of the communication process that can occur between the payer and the payee device of Figure 4 showing;

[0031] 图14A示出了可以在图1的设备上显示的多个屏幕,示出了根据一个实施例用于发起将被传输到付款人设备的支付请求的方法; [0031] FIG 14A illustrates a plurality of screens that may be displayed on the device of FIG. 1, is shown according to one embodiment for initiating a payment method to be transmitted to the payer apparatus requests;

[0032] 图14B示出了多个屏幕,示出了使用建立的通信通道将图14A的支付请求从收款人设备传输到付款人设备; [0032] FIG. 14B illustrates a plurality of screens is shown using the established communication channel will pay FIG 14A transmits a request from the payer device to the recipient device;

[0033] 图14C和14D示出了图14B的通信通道的建立;[0034] 图14E-14G示出了可以显示在付款人设备上的多个屏幕,示出了响应于图14A的支付请求选择支付账户的各种方法; [0033] Figures 14C and 14D show the establishment of a communication channel of FIG. 14B; [0034] FIG. 14E-14G illustrate a plurality of screens may be displayed on the payer device, shown in FIG. 14A in response to the payment request select various methods of payment account;

[0035] 图14H示出了可以显示在付款人设备上的用于启动在图14E中选择的支付账户信息到收款人设备的传输的多个屏幕; [0035] FIG 14H illustrates a payment account information may be displayed in promoter selected on the payer device in FIG. 14E to payee plurality of screen transfer device;

[0036] 图141示出了多个屏幕,示出了使用图14B中建立的通信通道,将图14E中选择的支付账户信息从付款人设备传输到收款人设备; [0036] FIG. 141 illustrates a plurality of screens, illustrates a communication channel established using FIG. 14B, FIG. 14E in the selected payer payment account information transmitted from the device to the payee device;

[0037] 图14J示出了可以显示在收款人设备上的多个屏幕,示出了选择存入账户并且完成最初在图14A中发起的交易的方法; [0037] FIG. 14J illustrates a plurality of screens may be displayed on a recipient device, illustrating a method of selecting an account and make an initial deposit in FIG. 14A initiated the transaction;

[0038] 图15A根据图12A-12C所示的交易,更详细地示出了图IlA所示的方法的一个或多个步骤; [0038] FIG. 15A according to the transaction shown in FIGS. 12A-12C, is shown in more detail a method shown in FIG IlA or more steps;

[0039] 图15B根据图12A-12C所示的交易,示出了图IlB所示的方法的某些步骤; [0039] FIG. 15B according to the transaction shown in FIGS. 12A-12C, illustrate some of the steps of the method shown in FIG. ILB;

[0040] 图16A示出了一个流程图,示出了根据一个实施例操作图4的付款人设备以便发起交易的方法; [0040] FIG. 16A shows a flow chart illustrating a method of operation of a payer device embodiment of FIG. 4 in order to initiate a transaction according to the embodiment;

[0041] 图16B示出了一个流程图,示出了根据一个实施例操作图4的收款人设备以便响应在图16A中发起的交易的方法; [0041] FIG 16B shows a flowchart illustrating a method of operating a device according to a payee embodiment of FIG. 4 in response initiated transactions in FIG. 16A;

[0042] 图17A示出了根据一个实施例可以显示在付款人设备上的多个屏幕,示出了根据图16A-16B所述方法发起交易的方法; [0042] FIG. 17A shows one embodiment of a plurality of screens may be displayed on the payer device, illustrating a method of initiating the transaction according to the method of FIG. 16A-16B;

[0043] 图17B示出了可以显示在收款人设备上的多个屏幕,示出了用于选择存入账户并且完成以图17A发起的交易的方法; [0043] FIG. 17B illustrates a plurality of screens may be displayed on a recipient device, is shown for selecting an account and credited to FIG 17A is completed transactions initiated process;

[0044] 图18是根据一个实施例,适用于执行其中所选择的支付账户包括非现金账户的交易的系统的示意表示; [0044] FIG. 18 is a diagram showing an embodiment adapted to perform a payment account wherein the selected transactions include a schematic of the system of non-cash account;

[0045] 图19A和19B示出了可以显示在付款人设备上的多个屏幕,示出了根据一个实施例选择图18的非现金账户作为支付账户并且发起交易的方法; [0045] Figures 19A and 19B illustrate a plurality of screens may be displayed on the payer device, according to one embodiment is shown in FIG cashless accounts were chosen as 18 and the method of payment account transaction initiation;

[0046] 图19C示出了可以显示在收款人设备上的多个屏幕,示出了根据一个实施例选择非现金存入账户的方法; [0046] FIG 19C illustrates a plurality of screens may be displayed on a recipient device, illustrating a method of selecting a non-cash in the account in accordance with one embodiment;

[0047] 图19D示出了可以显示在收款人设备上的多个屏幕,示出了选择存入账户并且完成在图19A中发起的交易的方法; [0047] FIG 19D illustrates a plurality of screens may be displayed on a recipient device, illustrating a method of selecting an account and credited to complete the initiated transaction in FIG 19A;

[0048] 图20是适用于执行其中由智能卡提供所选支付账户的交易的系统的示意表示; [0048] FIG. 20 is adapted to perform a transaction system which provides a schematic of the payment account selected by the smart card represented;

[0049] 图21A根据图20所示的交易,更详细地示出了图IlA所示方法的一个或多个步骤; [0049] FIG. 21A according to the transaction shown in Figure 20, in more detail illustrates one or more steps of the method shown in FIG IlA;

[0050] 图21B根据图20所示的交易,示出了图IlB所示方法的某些步骤; [0050] FIG. 21B according to the transaction shown in Figure 20, illustrating some steps of the method shown in FIG ILB;

[0051] 图22A示出了可以显示在图18的收款人设备上的多个屏幕,示出了根据一个实施例,用于接收在图18的智能卡上存储的支付信息的方法; [0051] FIG 22A illustrates a plurality of screens may be displayed on the recipient apparatus in FIG. 18, is shown according to one embodiment, the method of receiving payment information stored on the smart card 18 is used;

[0052] 图22B示出了在收款人设备和图18的智能卡之间建立通信通道,以便传输图22k 中的支付信息; [0052] FIG. 22B illustrates the payee is established between the device and the smart card 18 communication channels to transmit payment information in FIG 22k;

[0053] 图22C示出了可以显示在收款人设备上的多个屏幕,示出了选择存入账户并且完成在图22A中发起的交易的方法; [0053] FIG 22C illustrates a plurality of screens may be displayed on a recipient device, illustrating a method of selecting and finished into account in FIG. 22A initiated the transaction;

[0054] 图23是根据一个实施例的适用于执行交易的系统的示意表示,该交易中使用由付款人提供的磁信用卡来提供所选择的支付账户;[0055] 图M是根据一个实施例的适用于执行交易的系统的示意表示,该交易中使用由付款人提供的支票来提供所选择的支付账户; [0054] FIG. 23 is applicable to an embodiment in a schematic representation of a system for performing the transaction, the transaction using a credit card provided by the magnetic payer to provide the selected payment account; [0055] FIG M is in accordance with one embodiment system suitable for performing transactions schematic representation of the transaction by check provided by the payer to provide the selected payment account;

[0056] 图25A根据图23和M所示的交易,更详细地示出了图IlA所示方法的一个或多个步骤; [0056] FIG 25A shown in FIG. 23 according to the transaction and M, is shown in more detail one or more steps of the method shown in FIG IlA;

[0057] 图25B根据图23和M所示的交易,更详细地示出了图IlB所示方法的一个或多个步骤; [0057] FIG. 25B according to the transaction shown in FIGS. 23 and M, is shown in more detail one or more steps of the method shown in FIG ILB;

[0058] 图26A示出了可以显示在收款人设备上的多个屏幕,示出了根据一个实施例获取图23的信用卡的图像的方法; [0058] FIG 26A illustrates a plurality of screens may be displayed on a recipient device, illustrating a method of acquiring the image of FIG. 23 according to one embodiment of the credit card;

[0059] 图26B示出了用于处理在图2队中获取的图像,以便提取支付信息的技术; [0059] FIG. 26B illustrates a process for acquiring the image of FIG 2 in the team to extract payment information technology;

[0060] 图^C示出了可以显示在收款人设备上的多个屏幕,示出了编辑由图26B所示的图像处理步骤获得的信息的方法; [0060] FIG ^ C shows a plurality of screens may be displayed on the recipient device, the information shows a method of image processing step shown in FIG. 26B editing obtained;

[0061] 图26D示出了可以显示在收款人设备上的多个屏幕,示出了选择存入账户并且完成在图22A中发起的交易的方法; [0061] FIG 26D illustrates a plurality of screens may be displayed on a recipient device, illustrating a method of selecting and finished into account in FIG. 22A initiated the transaction;

[0062] 图27A和27B示出了可以显示在收款人设备上的多个屏幕,示出了根据一个实施例获取图M中的支票的图像的方法; [0062] FIGS 27A and 27B illustrate a plurality of screens may be displayed on a recipient device, illustrating a method of acquiring an image of the check map M according to one embodiment;

[0063] 图27C示出了用于处理在图27B中获取的图像,以便提取支付信息的技术; [0063] FIG 27C illustrates a process for acquiring the image in FIG 27B, so that payment information extraction;

[0064] 图27D示出了可以显示在收款人设备上的多个屏幕,示出了选择存入账户并且完成在图27A中发起的交易的方法; [0064] FIG 27D illustrates a plurality of screens may be displayed on a recipient device, illustrating a method of selecting and finished into account in FIG. 27A initiated the transaction;

[0065] 图27E示出了可以显示在收款人设备上的多个屏幕,示出了根据另一个实施例获取图M中的支票的图像的方法; [0065] FIG 27E illustrates a plurality of screens may be displayed on a recipient device, illustrating another embodiment of a method of acquiring an image map M in accordance with the check;

[0066] 图27F示出了用于处理在图27E中获取的图像,以便提取支付信息的技术; [0066] FIG 27F illustrates a process for acquiring the image in FIG. 27E, in order to extract payment information technology;

[0067] 图27G示出了可以显示在收款人设备上的多个屏幕,示出了基于在图27E中获取的图像选择存入账户并且完成在图27A中发起的交易的方法; [0067] FIG 27G shows a plurality of screens may be displayed on a recipient device into account is shown selected initiated and completed transactions in FIG. 27A in image acquisition method based on FIG. 27E;

[0068] 图观是根据一个实施例,适用于执行包括多个付款人的组交易的系统的示意表示; [0068] FIG concept according to one embodiment is adapted to perform a schematic payer group comprising a plurality of transaction system representation;

[0069] 图四是一个流程图,示出了用于执行图观的组交易的方法; [0069] Figure IV is a flowchart illustrating a method for performing a set of transactions FIG concept;

[0070] 图30A示出了可以显示在发起方设备上的多个屏幕,示出了图观的组交易的主部分; [0070] FIG 30A illustrates a plurality of screens may be displayed on the initiator device, illustrating a main section of FIG concept set of transactions;

[0071] 图30B和30C示出了可以显示在发起方设备上的多个屏幕,示出了用于完成在图30A中发起的主交易,并且还发起组交易的副部分的方法; [0071] FIGS. 30B and 30C illustrate a plurality of screens may be displayed on the initiator device, illustrating a primary transaction is completed for initiation in FIG. 30A, and also to a method for initiating portion of the sub-group of transactions;

[0072] 图30D示出了可以显示在付款人设备上的多个屏幕,示出了加入图观的组交易的方法; [0072] FIG 30D illustrates a plurality of screens may be displayed on the payer device, illustrating a method of adding a group of transactions FIG concept;

[0073] 图30E示出了可以显示在发起方设备上的多个屏幕,示出了用于向图观所示的组交易添加附加交易成员的技术; [0073] FIG 30E illustrates a plurality of screens may be displayed on the initiator device, illustrating a technique for adding additional members to the transaction shown in FIG concept of group of transactions;

[0074] 图30F示出了可以显示在发起方设备上的多个屏幕,示出了用于向一个组交易成员分配费用清单项的技术; [0074] FIG 30F illustrates a plurality of screens may be displayed on the initiator device, illustrating a technique for distributing a list of items to a fee transactions group members;

[0075] 图30G示出了可以显示在发起方设备上的多个屏幕,示出了用于向两个或更多个组交易成员分配费用清单项的技术; [0075] FIG 30G shows a plurality of screens may be displayed on the initiator device, illustrating a technique for assigning entries to the list of charges of two or more members of the group of transactions;

[0076] 图30H示出了可以显示在发起方设备上的多个屏幕,示出了根据一个实施例用于观看部分费用清单的方法; [0076] FIG 30H illustrates a plurality of screens may be displayed on the initiator device, illustrating one embodiment of a method for viewing a part of the costs according to the list;

[0077] 图30I-30L示出了可以显示在发起方设备上的多个屏幕,示出了根据一个实施例从每个组交易成员收集支付的方法; [0077] FIGS. 30I-30L illustrate a plurality of screens may be displayed on the initiator device, illustrating a method according to one embodiment the payment collected from each member of the set of transactions;

[0078] 图31是根据一个实施例,适用于执行包括多个付款人的交易的系统的示意表示; [0078] FIG. 31 is a schematic representation of an embodiment for performing the transaction system comprising a plurality of payor;

[0079] 图32A和32B示出了可以显示在卖方设备上的多个屏幕,示出了用于发起图31的组交易的方法; [0079] FIGS 32A and 32B illustrate a plurality of screens may be displayed on the device vendor, illustrating a method for initiating a group of transactions FIG 31;

[0080] 图32C示出了可以显示在卖方设备上的多个屏幕,示出了用于向组交易成员分配费用清单项目的技术;和 [0080] FIG. 32C shows multiple screens can be displayed on a vendor's equipment, technology shows the distribution of costs for the list of items to members of the trade group; and

[0081] 图32D示出了可以显示在卖方设备上的多个屏幕,示出了用于从每个组交易成员收集支付并且完成图31的组交易的方法。 [0081] FIG 32D illustrates a plurality of screens may be displayed on the device vendor, it illustrates a method for the payment collected from each member of the group of transactions and the transaction is completed the group 31 of FIG.

具体实施方式 Detailed ways

[0082] 下面将描述本公开的一个或多个特定实施例。 [0082] Next, one or more specific embodiments of the present disclosure will be described. 这些描述的实施例仅是当前公开的技术的例子。 The described embodiments are merely examples of the presently disclosed technology. 另外,为了提供这些示例实施例的简洁描述,在本说明书中可能不描述实际实现的所有特征。 In order to provide a concise description of these exemplary embodiments, in the present specification may not all features of an actual implementation. 应当理解,在任何这种实际实现的开发中,如同在任何工程或设计项目中, 必须进行多种特定于实现的决策以便实现开发者的特定目标,诸如符合关于系统和关于业务的约束,这可以根据实现的不同而改变。 It should be appreciated that in the development of any such actual implementation, as in any engineering or design project, a variety of specific decisions must be implemented in order to achieve the developers' specific goals, such as compliance constraints on the system and on the business, which It may vary depending on the implementation. 另外,应当理解,这种开发努力可能是复杂和费时的,但是仍然是受益于本公开的普通技术人员进行设计、加工和制造的例行工作。 In addition, it should be appreciated that such a development effort might be complex and time-consuming, but would nevertheless be a routine work designed to benefit the disclosure of ordinary skill, processing and manufacturing.

[0083] 本公开涉及使用手持便携电子设备进行对等金融交易的各种技术。 [0083] The present disclosure relates to various techniques using a handheld portable electronic devices on other financial transactions. 根据本公开的方面,手持电子设备可以集成用于执行对等交易的若干功能,包括存储用户支付账户和存入账户的信息表示,获取和发送支付信息,以及获得支付授权。 According to aspects of the disclosure, a handheld electronic device can be used to integrate a number of functions to perform other transactions, including payment account information stored in the user's account and credited representation, access and transmit payment information, and to obtain payment authorization. 可以提供一个或多个输入设备,诸如照相机或近场通信(NFC)设备,以便获取支付信息。 It may provide one or more input devices, such as a camera or a near field communication (NFC) device, in order to obtain payment information. 例如,可以使用NFC设备发起与外部设备的NFC连接,以便获取或发送支付信息数据。 For example, a NFC device may be used to initiate an NFC connection with an external device, or send payment information to obtain data. 另外,可以结合图像处理应用使用照相机设备,以便从由付款人提供的支付工具的图像中提取支付信息数据。 Further, the image processing application may be combined using a camera device, in order to extract the image data from the payment information of payment provided by the payer. 电子设备还可被配置为与一个或多个外部服务器通信,以便通过所选择的通信通道,诸如广域网(WAN)、 局域网(LAN)、个人区域网(PAN)或近场通信通道,来获取支付授权。 The electronic device may also be configured as a server communicate with one or more external to through the selected communication channel, such as a wide area network (WAN), a local area network (LAN), personal area network (PAN) or near field communication channels, to obtain payment authorization. 因此,如下面更详细描述的,由根据本公开的实施例的电子设备提供的各种功能可以提供用于执行对等金融交易的便利的技术,所述对等金融交易可包括涉及多于两个成员的组交易。 Thus, as described in more detail below, various functions provided by the electronic device according to an embodiment of the present disclosure may provide a convenient technique for performing other financial transactions, the peer may include a financial transaction involving more than two trading members of the group. 实际上,如下面更详细讨论的,下面描述的技术的某些方面在个体之间进行的个人对个人交易中特别有用。 Indeed, as discussed in more detail below, certain personal aspects of the technology described below is particularly useful for individuals between the individual transactions.

[0084] 现在转到附图并且首先参考图1,电子设备被示出并且总的以标号10表示,该电子设备可以包括用于提供与交易有关的技术和上面简要提及的能力的一个或多个交易应用。 [0084] Turning now to the drawings and first to Figure 1, an electronic device is shown and generally designated by the numeral 10, the electronic device may include a capacity to provide briefly mentioned transaction-related technology or above multiple trading applications. 根据示出的实施例,电子设备10可以是结合有诸如媒体播放器、蜂窝电话、个人数据管理器等一个或多个便携设备的功能的手持设备。 According to the illustrated embodiment, the electronic device 10 may be combined with one or more handheld devices such as a media player, a cellular telephone, a personal data manager functionality in a portable device. 因此,根据电子设备10提供的功能,用户可以在带着设备10自由移动的同时听音乐、玩游戏、摄像、拍照和打电话。 Therefore, the function of the electronic device 10 is provided, the user can listen at the same time with the free movement of device 10 music, play games, camera, camera and phone calls. 另外,电子设备10可以允许用户连接到hternet或诸如局域或广域网络等其它网络并且通过这些网络通信。 Further, the electronic device 10 may allow a user to connect to other networks such as a local or wide area hternet network or the like through these networks and communications. 例如,电子设备10可允许用户使用电子邮件、文本消息、即时消息或其它形式的电子通信来通信。 For example, the electronic device 10 may allow a user to use e-mail, text message, instant message or other electronic communication in the form of communication. 电子设备10还可以使用诸如蓝牙和近场通信(NFC)等短距离连接协议与其它设备通信。 The electronic device 10 may also be used, such as Bluetooth short-range and a near field communication (NFC) protocol communication connections and the like with other devices. 仅作为例子,电子设备10可以是可从美国加利福尼亚州库珀蒂诺市的苹果公司获得的一种型号的iPhone®。 For example only, one model of electronic device 10 may be available from Cupertino, California, Apple iPhone®. [0085] 在示出的实施例中,电子设备10可装在外壳或壳体12内。 [0085] In the illustrated embodiment, the electronic device 10 may be mounted within the housing 12 or housing. 外壳12可以用于防止设备10的内部组件受到物理损坏。 Housing 12 may be used to prevent the internal components of device 10 from physical damage. 另外,外壳12还可以给设备10和其内部组件提供电磁干扰屏蔽。 Further, the housing 12 may also provide electromagnetic interference shielding to the apparatus 10 and its internal components. 如本领域技术人员理解的,外壳12可由任何适合的材料形成和/或构成,诸如塑料、金属、或复合材料,并且可以允许某些频率的电磁辐射通过设备10内的无线通信电路, 以有助于无线通信。 As those skilled in the art will appreciate, 12 may be formed of any suitable material housing and / or configuration, such as plastic, metal, or composite material, and may allow certain frequencies of electromagnetic radiation through the wireless communication circuit within the apparatus 10, there to facilitate wireless communications.

[0086] 外壳12还可以提供对图1中以标号14、16、18、20和22示出的各种用户输入结构的访问。 [0086] The housing 12 may also provide access to a variety of user input structures 14, 16, reference numerals 1 and 22 are shown. 借助于这些用户输入结构,用户可以与设备10接口,其中每个用户输入结构14、 16、18、20和22可被配置为当被按压或激励时控制一个或多个设备功能。 By means of which the user input structure 10 may be a user interface device, wherein each user input structures 14, 16, 18, and 22 may be configured to be pressed or when one or more of an excitation control device functions. 作为例子,输入结构14可以包括当被按压或激励时使得在设备上显示主屏幕(home screen)或菜单的按钮。 For example, input 14 may include a structure such that the button main screen (home screen) or menu displayed on the device when pressed or activated. 输入结构16可以包括例如用于使设备10在诸如睡眠模式、唤醒模式、或加电/断电模式等一个或多个操作模式之间转换的按钮。 Input structures 16 may include, for example, equipment 10, such as a sleep mode, wake mode, or addition of one or more transition between modes of operation buttons power on / off mode. 输入结构18可以包括双位滑动结构,其在设备10包括蜂窝电话应用的实施例中可用于静音或使振铃无声。 The input structures 18 may include a two-position slide structure 10 in the embodiment comprises a cellular telephone application apparatus may be used to silence or to silence the ringing. 另外,输入结构20和22可以包括用于提高和降低设备10的音量输出的按钮。 Further, the input structures 20 and 22 may include buttons for increasing and decreasing the volume output of the device 10. 应当理解,示出的输入结构14、16、18、20 和22仅是示例,并且根据特定实现要求,电子设备10可以包括以各种形式存在的任何数目的用户输入结构,包括按钮、开关、控制板、按键、旋钮、滚轮等。 It should be appreciated that the illustrated input structures 14, 16 and 22 are merely exemplary, and in accordance with certain implementation requirements, the electronic device 10 may include any number of existing user input structures in various forms, including buttons, switches, control pads, keys, knobs, scroll wheels and the like.

[0087] 电子设备10还可以包括显示器24,显示器M配置为显示由设备10产生的各种图像。 [0087] Electronic device 10 may further include a display 24, a display configured various images M generated by the display device 10. 作为例子,显示器M可被配置为显示照片、电影、专辑封面和/或数据,诸如文本文档、电子表格、文本消息和电子邮件等等。 As an example, the display M can be configured to display photos, movies, album covers and / or data, such as text documents, spreadsheets, text messages and emails, and so on. 显示器M还可以显示给用户提供反馈的各种系统指示器26,诸如电源状态、信号强度、呼叫状态、外部设备连接等。 M may also be displayed to display a variety of user feedback system indicator 26, such as power status, signal strength, call status, and other external devices. 显示器M可以是任何类型的显示器,诸如液晶显示器(LCD)、发光二极管(LED)显示器、有机发光二极管(OLED) 显示器或其它适合的显示器。 Display M may be any type of display such as a liquid crystal display (LCD), a light emitting diode (LED) display, an organic light emitting diode (OLED) display, or other suitable display. 在某些实施例中,设备10可以包括触敏元件,诸如与显示器对相邻布置的触摸屏接口(图1中未示出),其可以作为附加的用户输入结构(例如,在结构14、16、18、20和22以外)。 In certain embodiments, device 10 may include a touch-sensitive element, such as a display and a touch screen disposed adjacent to the interface (not shown in FIG. 1), which can be used as an additional user input structures (e.g., 14, 16 in the structure except, 18, 20 and 22). 借助于这种触摸屏接口,用户可以例如通过使用用户的手指或输入笔触摸某些元素,来选择显示在显示器M上的元素。 Such a touch screen interface, a user can, for example, by using a user's finger or an input pen touches certain elements selected M displayed on the display means of the elements.

[0088] 本实施例中还示出,显示器对可配置为显示允许用户与设备10交互的图形用户界面(“⑶1”)28。 [0088] The present embodiment is also shown, may be configured to display on the display 10 to allow a user to interact with the device a graphical user interface ( "⑶1") 28. ⑶I观可以包括可被显示在整个或部分显示器M上的各种图形层、窗口、屏幕、模板、元素或其它组件。 ⑶I concept may include or be displayed on the entire display portion M to the various graphic layers, windows, screens, templates, elements or other components. 例如,⑶I观可以显示此处以图标30—般性表示的多个图形元素。 For example, ⑶I view can display multiple graphical elements here as an icon 30- generality represented. 默认地,诸如当设备10首次加电时,⑶I观可配置为显示示出的图标30作为此处以标号四表示的“主屏幕”。 By default, such as when the device 10 is first powered on, ⑶I concept may be configured to display the icon 30 as shown herein to "main screen" denotes the numeral four. 在某些实施例中,可以使用用户输入结构14、16、18、20和22在⑶I观中导航,并且从而离开主屏幕四。 In certain embodiments, it may use the user input structures 14, 16 and 22 in the navigation ⑶I concept, and thus leaving four main screen. 例如,一个或多个用户输入结构可以包括转轮结构,其可以允许用户选择以⑶I观显示的各种图标30。 For example, one or more user input structures may include a wheel structure, which may allow a user to select various icons 30 displayed in ⑶I View. 另外,还可以通过触摸屏接口选择图标30。 Also, you can select icons by the touch screen interface 30.

[0089] 应当理解,图标30可以代表在被用户选择之后,可被显示在显示器M的部分或全部区域上的各种层、窗口、屏幕、模板、元素或其它组件。 [0089] It should be understood that Figure 30 may represent a user after being selected, various layers may be displayed on a part or all of the display region of the M, windows, screens, templates, elements or other components. 另外,对图标30的选择可以导致或启动层次化屏幕导航过程。 In addition, the selection of an icon 30 may lead to hierarchical or start screen navigation process. 例如,选择图标30可以使得显示器M显示包括一个或多个附加图标30或其它GUI元素的另一个屏幕。 For example, selection of an icon 30 may cause the display M shows another screen comprises one or more additional icons 30 or other GUI elements. 另外,如本实施例所示,每个图形元素30可以具有与其相关联的一个或多个文本指示器32,文本指示器32可被显示在其相应图形元素30上或旁边,以便于用户理解每个图形元素30。 Further, as shown in this embodiment, each graphical element 30 may have associated therewith one or more textual indicator 32, the textual indicator 32 may be displayed on a graphical element 30 or its respective side, in order to understand the user each graphic element 30. 例如,图标34可以与文本指示器“Transactions (交易)”相关联。 For example, the icon with the text pointer 34 may be "Transactions (trade)" associated. 应当理解,⑶I观可以包括以层次化和/或非层次化结构布置的各种组件。 It should be understood, ⑶I concept may include various components in a hierarchical and / or non-hierarchical structural arrangement.

[0090] 当选择图标30时,设备10可配置为启动、打开或运行与所选择的图标30相关联的应用,并且显示相应屏幕。 [0090] When the icon 30 is selected, the device 10 may be configured to activate, or open operation and an application icon associated with the selected 30, and the corresponding screen is displayed. 例如,当选择交易图标34时,设备10可以打开交易程序,并且显示交易菜单,交易菜单显示在交易程序中可以利用的各种工具、特征。 For example, when the selection icon 34 when the transaction, transaction process device 10 can be opened, and the menu display transaction, the transaction menu is displayed in the transaction process can be utilized in a variety of tools, features. 因此,对于在设备10上提供的每个应用,可以在显示器M上显示可以包括与相应应用相对应的各种用户界面元素的一个或多个相应屏幕。 Thus, for each application provided on the device 10, can be displayed on the display M may comprise one or more screens corresponding to respective various user interface elements corresponding to the application.

[0091] 电子设备10还可以包括各种输入/输出(I/O)端口,诸如示出的I/O端口36、38 和40。 [0091] Electronic device 10 may also include various input / output (I / O) ports, such as the illustrated I / O ports 36, 38 and 40. 这些I/O端口可以允许用户将设备10连接到一个或多个外部设备或将设备10与一个或多个外部设备接口。 These I / O ports 10 may allow a user to connect the device to the one or more external devices or device 10 with one or more external device interfaces. 例如,输入/输出端口36可以包括用于发送和接收数据文件(诸如媒体文件)的专有连接端口。 For example, input / output port 36 for transmitting and receiving may include data files (such as media files) in proprietary connection port. 例如,在设备10包括蜂窝电话功能的情况下,输入/输出端口38可以包括用于接收订户识别模块(SIM)卡的连接槽。 For example, in the case 10 of the device comprises a cellular phone function, an input / output port 38 may include a connection groove for receiving a subscriber identification module (SIM) card. 输入/输出端口40可以是提供音频耳机或扬声器连接的音频插座。 Input / output port 40 may provide an audio jack of an audio headphones or speakers. 应当理解,设备10可以包括配置为连接到各种外部设备(仅仅列举少许,诸如电源、打印机、以及计算机或外部存储设备)的任何数目的输入/输出端口。 It should be understood that apparatus 10 may comprise configured to connect to various external devices (just to name a few, such as a power supply, a printer, and a computer or external storage device) of any number of input / output ports. 应的理解,I/O端口可以包括任何适合的接口类型,诸如通用串行总线(USB) 端口、串行连接端口、Fireffire端口(IEEE-1394)或AC/DC电源连接端口。 Should be understood, I / O ports may comprise any suitable interface type, such as a universal serial bus (USB) port, a serial connection port, Fireffire port (IEEE-1394) or AC / DC power connection port.

[0092] 另外,在某些实施例中,某些I/O端口可配置为提供多于一种功能。 [0092] Further, in certain embodiments, certain I / O ports can be configured to provide more than one function. 例如,在一个实施例中,I/O端口36可配置为不仅如上所述发送和接收数据文件,而且还可以配置为将设备连接到充电接口,诸如设计为从墙壁电插座提供电力的电源适配器,或配置为从诸如台式计算机之类的另一电子设备吸取电力的接口电缆。 For example, in one embodiment, I / O port 36 may be configured not only to transmit and receive data files as described above, but may also be configured to connect to the charging interface devices, such as the wall is designed to provide electrical power from an electrical outlet power adapter , or configure the interface cable from another electronic device such as a desktop computer or the like to draw power. 因此,取决于例如通过I/O端口36 连接到设备10的外部组件,I/O端口36可配置为具有数据传输端口和AC/DC功率连接端口两者的双重功能。 Thus, depending, for example by I / O port 36 is connected to the external components of the apparatus 10, I / O ports 36 may be configured to have a data transfer port and AC / DC power connected to the dual function of both ports.

[0093] 电子设备10还可以包括各种音频输入和输出元件。 [0093] Electronic device 10 may also include various audio input and output elements. 例如,以标号42—般示出的音频输入/输出元件可以包括输入接收器,该输入接收器可被提供有一个或多个麦克风。 For example, as shown at reference numeral 42- audio input / output element may include a receiver input, the input receiver may be provided with one or more microphones. 例如,在电子设备10包括蜂窝电话功能的情况下,输入接收器可配置为接收用户音频输入, 诸如用户语音。 For example, in the case 10 includes a cellular phone function of the electronic device, the input receiver may be configured to receive user audio input, such as user voice. 另外,音频输入/输出元件42可以包括一个或多个输出发射器。 Further, the audio input / output element 42 may include one or more output transmitters. 因此,在设备10包括媒体播放器应用的情况下,音频输入/输出元件42的输出发射器可以包括一个或多个扬声器,用于向用户发送音频信号,例如回放音乐文件。 Thus, in the case where the device 10 includes a media player application, an audio input / output of the transmitter output element 42 may include one or more speakers for transmitting an audio signal to the user, for example, playing back music files.

[0094] 另外,在电子设备10包括蜂窝电话应用的情况下,如图1所示,可以提供另外的音频输出发射器44。 [0094] Further, in the case 10 includes a cellular phone application electronic device, as shown in FIG 1, may provide additional audio output of the transmitter 44. 类似于音频输入/输出元件42的输出发射器,输出发射器44也可以包括配置为向用户发送音频信号的一个或多个扬声器,所述音频信号诸如在电话呼叫过程中接收到的语音数据。 Similar to the audio input / output elements of the output of the transmitter 42, the output of the transmitter 44 may also include a signal configured to transmit one or more audio speakers to the user, the audio signal such as voice data received during a phone call. 因此,音频输入/输出元件42的输入接收器和输出发射器与输出发射器44可以结合操作,以起到电话的音频接收和发射元件的作用。 Thus, audio input / output element 42 of the receiver input and transmitter output and the output of the transmitter 44 can operate in conjunction to play a role and receiving phone audio emitting element.

[0095] 在示出的实施例中,电子设备10还包括近场通信(NFC)设备46。 [0095] In the illustrated embodiment, the electronic device 10 further comprises a near field communication (NFC) device 46. NFC设备46可以位于外壳12内,并且外壳12外部的标记或符号可以标识其在外壳12内的位置。 NFC device 46 may be located within the housing 12 and outer housing 12 numerals or symbols may identify its position within the housing 12. NFC设备46可以包括天线,该天线一般可以沿着外壳12周边布置,并且NFC设备46可以允许以相对低的数据率(例如,4Mkb/s)进行近距离通信,并且可以符合诸如ISO 18092或IS021481 等标准。 NFC device 46 can include an antenna, the antenna may generally be arranged along the periphery of the housing 12, and the NFC device 46 may allow a relatively low data rate (e.g., 4Mkb / s) for short-range communication, such as ISO 18092, and may comply or IS021481 and other standards. 在某些实施例中,NFC设备46还可以允许以相对高的数据率(例如,560Mbps)进行近距离通信,并且可以符合Transfer Jet®协议。 In certain embodiments, the NFC device 46 may also allow for a relatively high data rates (e.g., 560 Mbps) for short-range communication, and may conform Transfer Jet® protocol. 如此处使用的,应当理解,术语“nfc 设备”指NFC通信设备46以及上面提到的天线这二者。 As used herein, it should be understood that the term "NFC device" refers to both the NFC communication device and the antenna 46 mentioned above. [0096] 在某些实施例中,使用NFC设备46通信可以发生在大约2到km的范围内。 [0096] In certain embodiments, communication using the NFC device 46 may occur within the range of about 2 to km. 如本领域技术人员理解的,可以通过磁场感应发生使用NFC设备46的近距离通信,从而允许NFC设备46与其它具有NFC功能的设备通信,或从具有射频识别(RFID)电路的标签获得信息。 As those skilled in the art will appreciate, near field communication using the NFC device 46 can occur via magnetic field induction, allowing the NFC device 46 to communicate with other NFC enabled device, or obtain information from the tag (RFID) has a radio frequency identification circuit. 另外,磁场感应还可以允许NFC设备46将处于被动或睡眠模式的另一个具有NFC功能的设备“唤醒”或感应为进入主动模式。 Further, magnetic field induction device 46 may also allow NFC devices will be in a passive or sleep mode to another NFC-enabled "wake up" or induced to enter active mode. 如下面更详细描述讨论的,可以结合上述的交易应用(例如,以图形元素34表示的)利用NFC设备46,以便提供支付和存入信息的获取和传输,以及与一个或多个外部服务器的通信,以便处理和交易授权以及验证支付和存入账户。 As discussed in more detail below, it may be combined with the above-described transaction application (e.g., a graphical representation of the element 34) the NFC device 46, so as to provide payment and payment information acquisition and transmission, and with one or more external servers communication, for processing and transaction authorization and verification of payment and deposit accounts.

[0097] 现在转到图2,示出了在图1中示出的电子设备10的后视图。 [0097] Turning now to FIG. 2, there is shown a rear view of the electronic device shown in FIG. 10. 如图2所示,设备10 可以包括照相机48。 2, the apparatus 10 may include a camera 48. 可以使用照相机48获取数字静态或运动图像,诸如数字照片或电影。 It can be used to obtain a digital still camera 48 or moving images, such as digital photos or movies. 如下面更详细描述讨论的,可以结合以图形元素34示出的上述交易应用利用照相机48,以便获取各种类型的支付工具(诸如支票或信用卡)的图像。 As discussed in more detail below, the above-described transaction application may be combined with the camera 34 shown in the graphic element 48, in order to obtain various types of payment instruments (such as a check or credit card) image. 如本领域技术人员已知的,可以应用各种图像处理技术(诸如光学字符识别(OCR))来处理获取的支付工具的照片图像, 以便提取对应于与特定支付工具相关联的账户持有者身份和账户信息的信息。 As those skilled in the art may apply various image processing techniques (such as optical character recognition (the OCR)) to process the payment instrument acquired photographic image so as to extract corresponding to a payment instrument associated with a particular account holder identity information and account information.

[0098] 通过参考图3可以更好地理解说明性设备10的附加细节,图3是示出了根据本公开的一个实施例,设备10的各种组件和特征的方框图。 [0098] By reference to FIG. 3 may be better understood with additional details of the illustrative apparatus 10 of FIG. 3 is a diagram illustrating a block diagram of the various components and features of the present apparatus 10 according to one embodiment of the disclosure. 如图3所示,设备10可以包括上面讨论的显示器M、NFC设备46和照相机48,以及CPU 50、控制电路52、存储设备M、多个通信接口56、视频控制器76、触摸屏接口78、I/O控制器80和电源80。 3, the apparatus 10 may include a display M discussed above, the NFC device 46 and camera 48, and the CPU 50, control circuit 52, memory device M, a plurality of communication interface 56, a video controller 76, a touch screen interface 78, I / O controller 80 and power source 80.

[0099] 中央处理单元(CPU) 50和控制电路52可以总体控制设备10的操作。 [0099] a central processing unit (CPU) 50 and control circuit 52 may control the overall operation of the device 10. 这些元件可以通过协作提供执行操作系统、应用程序、GUI观和在设备10上提供的任何其它功能所需的处理能力。 These elements may be provided through collaboration execute the operating system, the desired application, the GUI concept and any other functions provided on the device 10 in processing capability. CPU 50可以包括单个处理器,或在其它实施例中,其可以包括多个处理器。 CPU 50 may include a single processor, or in other embodiments, which may include a plurality of processors. 作为例子,CPU 50可以包括“通用”微处理器、通用和专用微处理器的组合、指令集处理器、图形处理器、视频处理器、以及相关芯片组和/或专用微处理器。 By way of example, CPU 50 may comprise a "general purpose" microprocessors in general and special purpose microprocessors, instruction set processors, graphics processors, video processors, and related chip sets and / or special purpose microprocessors. 控制电路52可以包括用于在设备10的组件之间传输数据和指令的一个或多个数据总线。 The control circuit 52 may include a transmission of data and commands between one or more components of the device data bus 10. 控制电路52还可以包括用于缓存目的的板上存储器(RAM)。 The control circuit 52 may also include on-board memory (RAM) for caching purposes. 另外,虽然图3未示出,设备10可以包括借助于一个或多个存储器控制器与CPU 50通信的独立随机访问存储器(RAM),其中存储器控制器可被集成在控制电路52内。 Further, although not shown in FIG 3, device 10 may include one or more independently by means of a random access memory (RAM) 50 in communication with the CPU memory controller, wherein the memory controller may be integrated within the control circuit 52.

[0100] CPU 50使用的信息可被存储在以标号讨表示的长期存储设备内。 [0100] CPU 50 may be used by the information stored in the long term storage device indicated by reference numeral discussed. 可以利用电子设备10的存储设备M存储CPU 50的操作所需的数据、由CPU 50处理或执行的数据、以及设备10所需的其它数据,诸如应用和程序数据。 The electronic device can use the storage device 10 is required to operate CPU 50 stores the M data, or data generated by processing executed by the CPU 50 and other data 10 required for equipment, such as an application program, and data. 作为例子,存储设备M可配置为存储电子设备10的由CPU50使用的固件。 By way of example, the memory device M may be configured by the firmware stored in the electronic device 10 used CPU50. 所述固件可以包括操作系统,以及使得能够实现电子设备10的各种功能、GUI功能和/或处理器功能的其它程序或驱动器。 The firmware may include an operating system, and various functions can be realized so that the electronic device 10, the GUI functions, and / or other program or processor functions of the drive. 存储设备M还可以存储GUI观的组件,诸如图形元素、屏幕和模板。 M storage device can also store concept of GUI components, such as graphic elements, screens and templates. 另外,存储设备M可以存储数据文件,诸如媒体(例如,音乐和视频文件)、图像数据、应用软件、偏好信息(例如,媒体回放偏好、一般用户偏好)、无线连接信息(例如,使得设备10能够建立无线连接(诸如电话或hternet连接)的信息)、订阅信息(例如,保持播客记录、电视节目或用户订阅的其它媒体的信息)、 电话信息(例如电话号码)、以及设备10所需的任何其它适合的数据。 Further, the memory device M may store data files such as media (e.g., music and video files), the image data, application software, preference information (e.g., media playback preferences, general user preferences), wireless connection information (e.g., so that the device 10 information can establish a wireless connection (such as phone or hternet connection)), subscription information (for example, keeping a podcast recording, TV shows user subscription information or other media), telephone information (eg phone number), and the device 10 required any other suitable data.

[0101] 长期存储设备M可以是非易失存储器,诸如只读存储器、闪存或固态存储器、硬盘驱动器、或任何其它适合的光、磁或固态计算机可读介质、以及其组合。 [0101] M long term storage device may be a nonvolatile memory such as read only memory, a flash or solid state memory, hard drives, or any other suitable optical, magnetic, or solid-state computer-readable media, and combinations thereof. 因此,虽然出于清楚的目的以单个设备表示长期存储设备M,但是应当理解,长期存储设备M可以包括结合CPU 50操作的上面列出的存储设备的一个或多个组合。 Accordingly, although for purposes of clarity M represents a long term storage device in a single device, it should be appreciated that long term storage device M may include one or more combinations of storage devices listed above in connection with the operation of the CPU 50.

[0102] 另外,在某些实施例中,存储设备M可以包括配置为从图像数据(诸如使用照相机设备48获取的图像)中提取文本或编码信息的图像处理应用。 [0102] Further, in certain embodiments, M may comprise a storage device configured to image data (such as using the image acquired by the camera apparatus 48) extracts an image processing application or text encoded information. 如上面简要描述的,图像处理应用可以采用一种或多种OCR技术。 As briefly described above, the image processing application may employ one or more of OCR technology. 例如,图像处理应用可用于从获取的信用卡图像中提取信用卡信息,或从获取的支票图像中提取银行信息。 For example, image processing application can be used to extract information from the credit card credit card images acquired, or extract information from a bank check image acquired. 下面将更详细地描述这些特征和应用。 These features and applications described in more detail below.

[0103] 设备10还可以包括在图3中以标号56示出的一个或多个通信接口,以便提供用于接收和发送信息的附加的连接通道。 [0103] Device 10 may also include one or more communication interfaces shown in the figure by reference numeral 563, is connected to provide additional channels for receiving and transmitting information. 例如,通信接口56可以表示一个或多个网络接口卡(NIC)和/或网络控制器,以及各种相关的通信协议。 For example, the communication interface 56 may represent one or more network interface cards (NIC), and / or network controllers, and various related communications protocols. 通信接口56可以包括若干类型的通信接口,包括但不限于,无线局域网(WLAN)接口58、NFC接口60、非结构化补充服务数据(USSD)接口62、个人区域网络(PAN)接口64、局域网(LAN)接口66、广域网(WAN)接口68 和短消息服务(SMS)接口70。 The communication interface 56 may include several types of communication interfaces, including but not limited to, wireless local area network (WLAN) interfaces 58, NFC interface 60, Unstructured Supplementary Service Data (USSD) interface 62, a personal area network (PAN) interface 64, a local area network (LAN) interface 66, a wide area network (WAN) interface 68 and the short message service (SMS) interface 70.

[0104] PAN 接口64 可以提供与例如Bluetooth®网络、IEEE 802. 15. 4 (eg,ZigBee) 网络或超宽带网络(UWB)联网的能力。 [0104] PAN interface 64 with the network e.g. Bluetooth®, IEEE networking capability (eg, ZigBee) network or an ultra wideband network (UWB) 802. 15. 4 may be provided. 如将会理解的,可以通过PAN接口64访问的网络可以但不限于表示低功率、低带宽或近距离无线连接。 As will be appreciated, it can be represented by, but not limited to low-power, low-bandwidth short-range wireless connection or through a network access PAN interface 64. PAN接口64可以允许电子设备10通过自组织(ad-hoc)或对等连接而连接到另一个本地电子设备,诸如计算机或便携媒体播放器。 PAN interface 64 may allow the electronic device 10 is connected to another local electronic device via the ad-hoc (ad-hoc) or the like is connected, such as a computer or portable media player. 然而,如果两个电子设备之间的物理距离超过PAN接口64的有效范围,连接可能被中断。 However, if the physical distance between two electronic devices 64 exceeds the valid range of the PAN interface connection may be interrupted.

[0105] LAN接口66和WLAN接口58可以提供一般超出通过PAN接口64可获得的范围的较长距离通信通道。 [0105] LAN interface 66 and the WLAN interface 58 may be provided by a PAN interface typically longer distance beyond the communication channel of the 64 available. LAN接口66可以表示,例如,与提供到内联网或互联网的连接的基于以太网的有线网络的接口,并且WLAN接口58可以表示用于连接到无线LAN (诸如802. 1 Ix) 无线网络的接口。 The LAN interface 66 may represent, for example, and is supplied to the Ethernet-based wired network interface to the Internet or intranet connection, and the WLAN interface 58 may represent an interface for connecting to a wireless LAN (such as 802. 1 Ix) of the wireless network . 另外,在许多情况下,两个电子设备之间通过LAN接口66的连接可以涉及通过一个或多个网络路由器、交换机、网关或某些其它中间设备的通信。 Further, in many cases, between two electronic devices may be directed through one or more network router, switch, gateway, or some other intermediate communication devices connected via the LAN interface 66.

[0106] 可以借助于WAN接口68提供到广域网(WAN)的连接。 [0106] by means of the WAN interface 68 provides a connection to a wide area network (WAN) is. WAN接口68可以允许到诸如增强型数据率GSM演进(EDGE)网络或3G网络(例如,基于IMT-2000标准)等蜂窝数据网络的私有和/或安全连接。 WAN interface 68 may be such as to allow the Enhanced Data Rates for GSM Evolution (EDGE) network or a 3G network (e.g., based on the IMT-2000 standard) private and / or secure a cellular data network connections. 当通过WAN接口68连接时,电子设备10可以保持连接到互联网,并且在某些实施例中,保持连接到一个或多个附加的电子设备而不管位置如何改变, 这种位置改变可能破坏通过PAN接口64、LAN接口66或WLAN接口58的连接。 When connected via the WAN interface 68, the electronic device 10 may remain connected to the Internet, and in certain embodiments, remain connected to one or more additional electronic devices regardless of the position change, this change in position may be disrupted by PAN the interface 64, LAN interface 66 or 58 of the WLAN interface.

[0107] 在某些实施例中,电子设备10还可以包括服务发现联网协议,以便通过网络接口建立与外部设备的连接。 [0107] In certain embodiments, the electronic device 10 may further include a networking service discovery protocol to establish a connection with an external device via the network interface. 例如,设备10和外部设备两者可以使用网际协议标准(IP)广播标识信息。 For example, both the device 10 and the external device may use the standard Internet Protocol (IP) broadcast identification information. 在某些实施例中,外部设备可以附加地广播关于该外部设备能够提供的可用服务的信息(例如,网络打印机的打印服务)。 In certain embodiments, the external device may additionally broadcast information about available services can be provided by the external device (e.g., network printers print service). 设备然后可以使用标识信息在设备之间建立网络连接,诸如PAN连接或WLAN连接。 Device identification information may then be used to establish a network connection between the devices, such as a PAN connection or a WLAN connection. 作为例子,可由苹果公司开发的Bonjour®提供设备标识信息。 As an example, can be developed by Apple Bonjour® provide device identification information.

[0108] 可以使用USSD接口62和SMS接口70发送小容量通信。 [0108] using USSD interface 62 can be a small capacity and a communication interface 70 sends an SMS. SMS接口70可以允许140 字节或更少的文本消息传输。 SMS interface 70 may allow for 140 bytes or less of text messaging. 在某些实施例中,可以使用级联的SMS发送较大的消息。 In certain embodiments, a cascade may be used to send large SMS message. USSD 接口62可以帮助GSM信令通道上的实时文本消息传输。 USSD interface 62 can help real-time text messaging over GSM signaling channels. 作为例子,可以使用USSD接口62 查询位置和地址、电影上映时间、股票报价等。 As an example, you can use USSD query interface 62 locations and addresses, movie showtimes, stock quotes and so on.

[0109] 还可以借助于NFC接口60给设备10提供近距离通信能力。 [0109] can also by means of the NFC interface 10 to the device 60 to provide short-range communication capabilities. NFC接口60可以结合上述NFC设备46操作,以便提供设备10和外部设备之间的近距离通信。 NFC interface 60 may operate in conjunction with the above-described NFC device 46, to provide short-range communication between the device 10 and the external device. NFC接口60可以作为单独组件存在,可被集成在另一个芯片组内,或可被集成在NFC设备46自身内,例如, 作为芯片上系统(SoC)电路的一部分。 NFC interface 60 may be present as a separate component, it may be integrated within a chipset of another, or may be integrated within the NFC device 46 itself, e.g., as a system-on-chip (SoC) part of a circuit. NFC接口60可以包括用于与另一个具有NFC功能的设备通信的一个或多个协议,诸如近场通信接口和协议(NFCIP-I)。 NFC interface 60 may include one or more protocols to communicate with another NFC enabled device, such as a near field communication interface and protocol (NFCIP-I). 这些协议可被用于调整通信速度,以及指定所连接的设备之一作为控制和/或启动NFC连接的启动设备。 These protocols can be used to adjust the speed of communications, and one designated as the control device is connected and / or activate the initiator NFC connection. 在某些实施例中,可以使用NFC接口60接收诸如服务集标识符(SSID)、通道、和/或加密密钥之类的信息,可能需要这些信息以允许通过另一个通信接口,诸如WLAN接口58、PAN接口64、 LAN接口66或WAN接口68,来进行连接。 In certain embodiments, the NFC interface 60 may be used, such as receiving the service set identifier (the SSID), channel information, and / or encryption keys or the like, may be required to allow the information through another communication interface, such as a WLAN interface 58, PAN interfaces 64, LAN interface 66 or the WAN interface 68, to make the connection.

[0110] 在某些实施例中,如下面更详细讨论的,NFC接口60可使得电子设备10能够在执行或发起金融交易处理的情况下与另一个具有NFC功能的设备以对等模式通信,以便交换数据,诸如支付和存入信息。 [0110] In certain embodiments, as discussed in more detail below, NFC interface 60 may enable the electronic device 10 is capable of having another NFC-enabled device in the case of performing a financial transaction processing or initiating peer mode of communication, in order to exchange data, such as payment and deposit information. NFC接口60还可配置为在“主机”或主动模式和被动模式或"NFC唤醒”模式之间切换NFC设备46,在“主机”或主动模式中,NFC设备46产生自己的RF 场,而在被动模式或“NFC唤醒”模式中,在检测到由另一个设备产生的RF场之后,NFC设备46可感应进入激活状态以便执行数据的传输或接收。 NFC interface 60 may also be configured to be between the "host" or passive mode or the active mode and the "wake NFC" NFC device mode switch 46, the "host" or active mode, the NFC device 46 to generate their own RF field, and in passive mode or "NFC wake up" mode, after detecting the RF field produced by another device, the NFC device 46 can be induced into the active state so as to perform transmission or reception of data. 应当理解,NFC设备46和接口60在被动模式中操作可以延长设备10的电池寿命。 It should be understood, NFC device 46 and an interface 60 operating in a passive mode to extend battery life of device 10. 在附加实施例中,可以基于此处以标号72表示的用户或制造商偏好来控制NFC设备46,这些偏好可以是制造商或供应商预先配置的, 或是用户基于用户偏好随后配置的。 In additional embodiments, the manufacturer may be based on user preferences or where reference numeral 72 denotes a control to the NFC device 46, these preferences may be a manufacturer or supplier of the pre-configured user based on user preferences or subsequent configuration. 不论是预先配置的还是后来配置的,这些偏好可被存储在存储设备M内。 Whether pre-configured configuration or later, these preferences can be stored in the memory device M.

[0111] 如下面更详细描述讨论的,在电子设备10配置为提供发起外部设备之间的对等交易——包括金融交易——的实施例中,偏好72可以包括用户指定的优选或默认支付账户或来源,以及用户指定的优选或默认存入账户。 [0111] As discussed in more detail below, the electronic device 10 is configured to provide initiate transactions between the external apparatus and the like - comprising a financial transaction - embodiment, the user preferences 72 may include preferred or default payment specified accounts or sources, as well as preferred or default specified by the user into account. 如此处使用的,术语“支付账户(payment account)”等被理解为指从中支出或付款的账户。 As used herein, the term "payment account (payment account)", etc. is understood to mean expenditure or payments from the account. 另外,术语“存入账户(crediting account) ”等被理解为指将支付存入或付入到其中的账户。 Further, the term "deposit account (crediting account)" is understood to mean the like will be paid into or paid into the account into which the. 因此,默认支付账户可以是在设备10上发起交易时为提供支付而自动选择的账户。 Therefore, the default payment account may be the initiation of trading on the device 10 to provide payment automatically selected accounts. 类似地,默认存入账户可以是为付入或存入接收到的支付而自动选择的账户。 Similarly, the default account can be deposited into or credited as paid payment received automatically selected account. 偏好72还可以包括优选的电子邮件地址,用户优选以该电子邮件地址接收关于通过操作电子设备10进行或接收的支付的电子收据记录或确认消息。 Preference 72 may further preferably comprise e-mail address, the user preferably receives information about the e-mail address is an electronic receipt or payment records by the operation of the electronic device 10 receives the message or acknowledgment.

[0112] 在某些实施例中,偏好72还可以确定上述通信接口56(例如,包括58,60,62,64, 66,68和70)的属性。 [0112] In certain embodiments, the preference 72 may also determine the communication interface 56 (e.g., including 58, 60, 66, 68 and 70) of the property. 例如,偏好72可以包括设备10可以连接的网络的列表,并且还可以管理通信接口56之间的顺序或优先级。 For example, the preference list 72 may include network device 10 may be connected, and may also manage the communication interface 56 between the order or priority. 作为例子,设备10可配置为如果通信与从外部设备接收支付信息或向外部设备发送支付信息有关,则通过NFC接口60通信。 By way of example, device 10 may be configured to receive payment related information, if the communication from the external device or the external device to transmit payment information, the NFC interface 60 through the communication. 类似地,设备10可配置为如果通信与例如向外部和/或远程金融服务器验证接收到的支付信息有关,则通过WLAN接口58或LAN接口66通信。 Similarly, if the device 10 may be configured to communicate with the payment authentication information received, for example, to an external and / or remote relevant financial server, the LAN 66 or WLAN interface 58 via the communication interface. 进一步地,设备10可配置为发起或参与组交易,其中通过提供的通信接口56的组合实现与多个外部设备的通信。 Further, the apparatus 10 may be configured to initiate or participate in the transaction set, which enable communication with a plurality of external devices via the communication interface 56 combination provided. 例如,在一个实施例中,设备10可以通过NFC接口60从多个外部设备中的一个或多个设备接收支付信息,而同时通过经WLAN接口58、PAN接口64或LAN接口66之一建立的自组织网络向每个外部设备传递更新的费用清单或账单。 For example, in one embodiment, the device 10 via the NFC interface 60 receives from one or more devices in the plurality of external devices payment information, while through the interface 58 via the WLAN, PAN interface 64 or one of the LAN interface 66 established self-organizing network to deliver updates list or bill of costs to each of the external device.

[0113] 还应理解,与偏好72相关联的通信偏好还可以取决于每个相应通信接口58,60, 62,64,66,68和70可用的安全特征74。 [0113] It should also be appreciated that the communication preferences associated preferences 72 may also depend on each of the respective communication interfaces 58, 60, 62-68 and 70 available security features 74. 安全特征74可被存储在存储设备M内,并且可以包括用于在设备10和外部设备之间建立安全通信的一个或多个密码协议,诸如安全套接字层(SSL)协议或传输层安全(TLQ协议。安全特征74还可以包括用于加密从设备10发送的信息的一个或多个加密应用。当传输例如一般可能包括信用卡和银行账户信息的敏感性质的信息(诸如支付和/或存入账户信息)时,这些特征可能特别有用。 Security feature 74 may be stored in the memory device M, and may include one or more cryptographic protocols for establishing secure communication between device 10 and external devices, such as Secure Sockets Layer (SSL) protocol or Transport Layer Security (TLQ protocol may include further security features 74 used to encrypt the encrypted application from one or more information transmitting device 10. when the transmission information may include, for example, typically credit card and bank account information sensitive nature (such as payment and / or deposit when the account information), these features may be particularly useful.

[0114] 安全特征74还可以包括安全访问限制存储区域(例如,在存储设备M内),以便限制对安全特征74的某些方面可能需要的数据的访问,这些数据诸如加密密钥、通行码和口令、数字证书等。 [0114] 74 may further include a security feature to limit access to secure memory area (e.g., within storage device M), in order to restrict access to certain aspects of data security feature 74 may be needed, such as the data encryption key, passcode and password, digital certificate. 另外,该安全存储区域可适用于存储敏感数据,诸如关于用户金融账户——包括信用卡账户和银行账户——的信息。 In addition, the secure storage area suitable to store sensitive data, such as user financial account - information - including credit card accounts and bank accounts. 该安全存储区域还可以存储关于非金融性质的账户的信息。 The secure storage area can also store information about the accounts of non-financial nature. 如此处使用的,术语“非现金账户”、“非金融账户,,等被理解为指可能包含非货币资产的账户,然而,其可被用作与至少一方——诸如,持有或保持非现金账户的机构——进行交易的媒介。提供一个例子,非金融或非现金账户可以是用户的在线音乐/媒体订阅或购买账户,诸如,可以通过苹果公司开发和运营的iTunes®在线数字媒体商店获得的iTunes®账户。iTunes®账户可以包括若干“积分(credits) ”,用户可以用它们在iTunes®在线数字媒体商店兑换或交易媒体文件,诸如音乐文件、电影文件、有声读物、播客等。因此,这些非现金账户可与金融账户(例如银行账户和信用卡账户)一起被存储在由安全特征74提供的安全存储区域内。在某些实施例中,安全存储区域可以包括嵌入电子设备ίο内的微控制器。另外,在某些实施例中,除了存储上述敏感数据 As used herein, the term "non-cash account", "non-financial accounts ,, etc. are understood to refer to an account may contain non-monetary assets, however, it can be used with at least one party - such as hold or maintain non institutional cash accounts - be a medium of exchange to provide an example of non-financial or non-cash account may be the user's online music / media subscription or purchase account, such as through Apple's iTunes® online digital media development and operation of the store. obtained iTunes® account .iTunes® accounts may include several "points (credits)", the user can use them to exchange or traded in iTunes® media files online digital media store, such as music files, movie files, audio books, podcasts, etc. Therefore these may be non-cash accounts and financial account (e.g., bank accounts and credit card accounts) are together in a secure storage area 74 by the security feature is provided. in certain embodiments, the secure storage area may include an embedded memory of the electronic device ίο microcontroller. Additionally, in certain embodiments, in addition to storing the sensitive data 外,安全存储区域还可以受到其自己的相应口令或授权“个人识别码”(pin)的保护,例如以便防止对存储在其内的信息的未授权访问。 In addition, the secure memory region may also be their own respective password or authorization "personal identification number" (PIN) protection, for example in order to prevent the information stored therein unauthorized access.

[0115] 根据其它实施例,安全特征74还可以允许用户锁定或临时禁止设备10上的所有(例如,锁定加电)或仅仅某些功能,诸如可由上述交易应用(例如,以图标34表示)提供的功能。 [0115] According to other embodiments, further security feature 74 may allow a user to lock the device 10 on or all temporarily disabled (e.g., power-locking) or only some of the features, such as a transaction from the above applications (e.g., represented by the icon 34) provide. 作为例子,当被锁定时,上面简要讨论的对等交易特征可被禁止或不可被用户访问,直到提供用户指定的PIN或口令。 As an example, when it is locked, and the like characteristics of the transactions discussed briefly above may be inhibited or is not accessible by the user, until the user provides a PIN or password specified. 另外,安全特征74可以附加地包括要求在向外部设备发送或传输支付账户信息之前提供PIN。 Further, the security feature 74 may additionally comprise a PIN or require the external device prior to transmission to the transmission of the payment account information. 可以理解,此处讨论的安全特征74可以帮助防止未经授权的人使用设备10进行支付。 It is understood that 74 security features discussed here can help prevent unauthorized people from using the device 10 to make payments.

[0116] 如上面讨论的,设备10还可以包括视频控制器76,其可操作地耦接到显示器24, 并且配置为接收图像数据以及向显示器M发送与该图像数据的像素值相对应的电压信号。 [0116] As discussed above, apparatus 10 may further include a video controller 76, operatively coupled to the display 24, and is configured to receive the image pixel value to the display data and transmits the image data with M corresponding to the voltage signal. 显示的图像数据可以是通过通信接口56接收的信息以及包含在存储设备M内的信息的表示。 The image data may be represented through the communication interface 56 receives information and the information contained in the memory device M. 如本领域技术人员理解的,像素值可以是对应于各个像素强度的数值分配。 As appreciated by those skilled in the art, the pixel value may be a value corresponding to the intensity distribution of each pixel. 因此, 显示器M可以从视频控制器76接收电压信号作为输入,并且产生对应于该电压信号的图像。 Thus, a display M as an input voltage signal received from the video controller 76, and generates a voltage signal corresponding to the image. 例如,由视频控制器76提供的信号所产生的图像可以表示上面参考图1描述的⑶I洲的屏幕。 For example, an image signal supplied from the video controller 76 generates continents may represent ⑶I described above with reference to FIG 1 screen.

[0117] 如上面另外说明的,操作设备10的用户可以选择可以表示可通过⑶I观显示的应用或信息的各种图形元素。 [0117] As further described above, the user may select the operation device 10 may represent a variety of applications or graphical elements may be displayed by the information ⑶I View. 如图3所示,触摸屏接口78可以定位在显示器M之前或之后,并且可以给用户提供选择图形元素(诸如图1中上述GUI观显示的图标30)的能力。 3, the touch screen interface 78 may be positioned before or after the display M, and may provide a selected graphical element (such as an icon in the above-described GUI 30 shown in FIG View) capabilities to the user. 触摸屏接口78可配置为接收基于用户或用户控制或操纵的对象(例如,输入笔)的物理触摸(例如,触摸显示器的输入,并且向CPU 50发送“触摸事件”信息。CPU 50然后可以处理检测到的触摸事件信息,并且执行相应动作。例如,再次简要参考图1,CPU 50可将对图标34的“触摸”处理为执行或发起相应交易应用的指令。触摸屏接口78可以采用任何适合类型的触摸屏技术,诸如电阻性、电容性、红外线、表面声波、电磁或近场成像。另外,触摸屏接口78可以采用单点或多点感测。 The touch screen interface 78 may be configured to receive a physical touch-based user or users to control or manipulate objects (e.g., stylus) (e.g., input a touch display, and the "touch event" information .CPU 50 may then process the detection to the transmitting CPU 50 to the touch event information, and executes the corresponding action. for example, again briefly with reference to Figure 1, CPU 50 can will icon 34 "touch" process to execute or initiate an instruction corresponding trading application. the touch screen interface 78 may employ any suitable type of touch screen technology, such as resistive, capacitive, infrared, surface acoustic wave, electromagnetic, or near field imaging. Further, the touch screen interface 78 may be a single or multi-point sensing.

[0118] 图3所示的I/O控制器80可以提供允许用户通过设置在设备10上的各种输入结构(诸如,以图1中的标号14,16,18,20和22表示的输入结构)与CPU 50通信的基础设施。 I shown in [0118] FIG. 3 / O controller 80 may allow a user to provide input through a variety of structures provided on the device 10 (such as represented by reference numerals 14, 16 in FIG. 1 and the input 22 structure) and the CPU 50 infrastructure communication. 可以结合触摸屏接口78或独立于触摸屏接口78使用用户输入结构14,16,18,20和22,以便向设备10提供输入信息。 The touch screen interface 78 may be combined or separate touch screen interface using the user input structures 14, 16, 78 and 22, to provide input information to the device 10.

[0119] 设备10的电源82可以包括给非便携和便携设置的设备10供电的能力。 10 power supply capacity of the device [0119] 82 of the device 10 may include a set of non-portable and portable. 例如,在便携设置中,为了便于运输和容易移动,设备10可以包括用于给设备10供电的集成电源82。 For example, in the portable arrangement, in order to facilitate easy transport and movement device 10 may include an integrated power supply 82 to the power supply apparatus 10 is used. 电源82可以包括一个或多个电池,诸如,锂离子电池,该电池可以是用户可取出的或可被固定到外壳12。 Power source 82 may include one or more batteries, such as lithium-ion batteries, the battery may be user-removable or may be secured to the housing 12. 在某些实施例中,可以使用专有连接I/O端口36将设备10连接到用于给电池充电的电源。 In certain embodiments, a proprietary connection may use I / O port 10 is connected to the device 36 for charging the battery power source. 在其它实施例中,一个或多个电池可以不是集成的,并且可以包括一个或多个可重新充电或可更换电池。 In other embodiments, one or more batteries may not be integrated, and may include one or more rechargeable or replaceable batteries. 另外,在非便携设置中,电源82可以包括AC电源,诸如以电插座提供的AC电源。 In the non-portable setting, the power source 82 may include AC power, such as an AC power source to provide electrical socket.

[0120] 如上面讨论的,设备10可以包括交易应用(例如,以图标34表示),该交易应用给设备10提供发起交易和从外部设备接收交易(例如,支付和积分)的能力。 [0120] As discussed above, device 10 may include a transaction applications (e.g., represented by an icon 34), the transaction application device 10 to initiate a transaction and provided from an external device receives the transaction (e.g., payment and integration) capabilities. 现在参考图4,示出了一般地以标号90指示的用于在由“收款人”操作的第一设备10和由“付款人”操作的第二设备92之间进行对等交易的系统。 Referring now to Figure 4, there is shown generally at reference numeral 90 in a first device indicated by the "payee" operating system peer transactions between device 9210 and the second by a "payer" operation . 第二设备92可以是与第一设备10大体相同的便携设备,或在其它实施例中,可以是非便携设备,诸如台式计算机或支付终端。 The second device 92 may be substantially the same as device 10 of the first portable device, or in other embodiments, may be non-portable device, such as a desktop computer or a payment terminal. 如此处使用的,术语“收款人”被理解为指在交易中接收支付的一方,而术语“付款人”被理解为指交易中进行支付的另一方。 As used herein, the term "recipient" is understood to mean the reception of a party in the transaction, while the term "payer" is understood to mean for other payment transaction. 因此,术语“收款人设备”和“付款人设备”被理解为指分别由收款人和付款人操作的设备(例如,设备10和92)。 Thus, the term "recipient device" and "payer device" is understood to mean devices (e.g., devices 10 and 92) operated by the payer and the payee, respectively.

[0121] 如图4所示,设备10作为交易的收款人设备,并且第二设备92作为付款人设备。 [0121] 4, the device 10 as a recipient of the transaction device and the second device 92 as a payer device. 最初,收款人设备10可以向付款人设备92传输此处以标号94示出的支付请求。 Initially, the recipient device 10 may reference numeral 94 shows the transmission device 92 where the payer payment request. 支付请求信息94可以包括关于由收款人设备10请求的支付数目的信息。 94 payment request information may include the number of the payee by the payment device 10 for requesting information. 支付请求信息94还可以包括指出收款人身份的信息,这可以包括对应于收款人名称的文本数据、属于和/或标识收款人的电子邮件地址、或任何其它类型的适合的标识信息。 94 payment request information may also include information that indicates the identity of the payee, which may include a suitable identification information corresponding to the payee name text data, e-mail addresses belonging to and / or identification of the payee, or any other type of . 另外,支付请求94还可以包括指出支付请求目的的信息。 Further, the payment request may further include a pointed 94 payment request information purposes. 例如,支付请求94可以是对付款人欠收款人的特定待决债务或结算的响应。 For example, the payment request may be in response to the payer 94 under certain payee or pending debt settlement.

[0122] 在一个实施例中,收款人设备10和付款人设备92都可以是具有NFC能力的设备, 如上所述,它们中的每一个具有NFC设备46和NFC接口60。 [0122] In one embodiment, the payer and the payee device 10 device 92 may be NFC-enabled device, as described above, each of them having a NFC device 46 and the NFC interface 60. 最初,收款人设备10和付款人设备92可以处于被动操作模式。 Initially, the payer and the payee device 10 in the passive device 92 may be an operation mode. 就在向付款人设备92传输支付请求94之前,收款人设备10的NFC设备46可被加电,从而使得收款人设备10转变为主动模式,在主动模式中,收款人设备10的NFC设备46产生RF场。 Just before transmitting the payment request 94 to 92 payer device, the payee device 10 of the NFC device 46 may be powered, so that the recipient device 10 into active mode In the active mode, the recipient device 10 NFC device 46 generates an RF field. 因此,当收款人设备10和付款人设备92被放置在足够接近的邻近区域或距离内以便于建立NFC连接时(例如,通常24cm),收款人设备10 产生的RF场可以使得付款人设备92的NFC设备46转变到主动操作模式,从而如上面讨论的,在两个设备之间建立NFC连接。 Thus, when the payer and the payee device 10 is placed within the device 92 sufficiently close proximity or distance in order to establish an NFC connection (e.g., typically 24cm), the recipient device 10 generates an RF field may be such that the payor NFC device 46 of device 92 transitions to the active mode of operation, such as discussed above, NFC connection is established between the two devices. 因此,借助于建立的NFC连接,支付请求信息94可被传输给付款人设备92并且被其接收。 Thus, an NFC connection is established by means of the payment request message 94 may be transmitted to the payer device 92 and is receiving.

[0123] 在从收款人设备10接收到支付请求信息94之后,付款人设备92可以在显示器(诸如上述的显示器24)上显示接收到的支付请求信息94。 [0123] After receiving the payment from the recipient device 10 to request information 94, the payer may be a display device 92 (a display 24 such as described above) to display the received information 94 on the payment request. 因此,付款人可以检查支付请求信息94的正确性,并且选择用于向付款人提供所请求支付的支付方法。 Thus, the payer can check the correctness of the payment request information 94, and selects a payment method for providing the request for payment to the payer. 支付方法可以是, 例如,属于付款人的信用卡账户或银行账户。 Payment method may be, for example, belong to the payer's bank account or credit card account. 如上面讨论的,关于所选择的支付账户的账户信息可被存储在付款人设备92上,诸如在图3中上述存储设备M的安全存储区域内。 As discussed above, the account information on the selected payment account of the payer may be stored on device 92, such as a secure memory area in the memory device M of FIG. 因此,关于所选择的支付方法的信息(例如,信用卡或银行账户)可被存储在安全存储区域内并且被从安全存储区域中检索出来,以便在付款人选择了特定账户之后传输给收款人设备10。 Thus, after the information about the selected payment method (e.g., credit card or bank account) may be stored in a secure memory area and are retrieved from the secure memory area, to select a particular account at the payer transmitted to the payee device 10.

[0124] 因此,一旦选择了所希望的支付账户,此处以标号96表示的支付账户信息可被传输给收款人设备10。 [0124] Thus, once to select a desired payment account, here to reference numeral 96 denotes the payment account information may be transmitted to the payee device 10. 例如,类似于支付请求信息94的传输,支付账户信息96可类似地借助于通过每个设备相应的NFC接口60在先前建立的NFC连接,或如果以前的NFC连接已经中断(例如,设备之间的距离超过2-4cm范围),通过发起新的单独的NFC连接会话,从付款人设备92被传输到收款人设备10。 For example, similar to the transmission of the payment request information 94, payment account information 96 may be similarly NFC interface 60 by means of respective connection previously established by each of the NFC device, or if the previous NFC connection has been interrupted (e.g., between the device distance exceeds the range of 2-4cm), by initiating a new session separate NFC connection, the payer device 92 is transmitted to the device 10 from the payee. 在某些实施例中,付款人设备92还可以包括上面讨论的安全特征74,并且可以仅在首先提供了口令、PIN或某些其它适合形式的认证的情况下允许支付信息96的传输。 In certain embodiments, the payer device 92 may further include a security feature 74 discussed above, and may be provided only at the first password, allowing payment information transmission case 96 PIN or some other suitable form of authentication. 在继续之前,应当注意,支付信息在收款人设备10和付款人设备92之间的基于NFC的交换仅仅作为例子提供。 Before continuing, it should be noted that the payment information provided by way of example only based on the exchange between the NFC devices 10 and 92 payee payer device. 实际上,在其它实施例中,可以利用任何类型的适合通信接口,诸如上面参考图3的通信接口组件56描述的通信接口。 Indeed, in other embodiments, may utilize any type of suitable communication interface, such as described above, the communication interface 56 of the communication interface module 3 with reference to FIG.

[0125] 在从付款人设备92接收到支付信息96之后,收款人可以在收款人设备10的显示器M上观看支付信息96。 [0125] After receiving the payment from the payer 92 to the information apparatus 96, the payee payment information 96 can be viewed on a display device 10 M payee. 此后,收款人可以选择所希望的存入账户,存入账户可被存储在收款人设备10上,以支付账户信息96表示的支付将被存入或付入到该存入账户。 Thereafter, the recipient can select the desired deposit account, deposit account may be stored on the recipient device 10, 96 to cover the payment account information will be stored or represented paid into the deposit account. 一旦在收款人设备10上选择了存入账户,收款人设备10可将总体被称为“交易信息”并且以标号98表示的所请求的支付数目、支付账户信息96和选择的存入账户传输给一个或多个金融服务器100,以便进行账户信息验证和所请求支付的后续授权和处理。 Upon selection of the deposit account on the recipient device 10, payee device 10 may generally be referred to as "transaction information" and with the number of the requested payment reference numeral 98 denotes the payment and account information 96 stored in the selected transfer account to one or more financial server 100, account information for authentication and authorization and subsequent processing of the requested payment. 应当理解,可以通过上述通信接口中的一个或多个完成与金融服务器100的通信。 It should be understood that the communication can be accomplished with the financial server 100 via the communication interface to one or more. 例如,如果收款人设备10是具有WLAN或WAN能力的便携设备,收款人设备10可以通过无线连接与金融服务器100通信。 For example, if the recipient device 10 is a portable device having the ability to WLAN or WAN, 10 may communicate via a wireless connection 100 to the payee financial server device. 如果设备10是非便携设备,则可以提供用于与金融服务器100通信的LAN连接。 If the device 10 is non-portable device may be provided for communication with the financial server 100 of LAN connection. 不论在设备10和金融服务器100之间建立的连接类型是什么,应当理解,还可以利用上面根据图3的安全特征74讨论的一种或多种数据加密技术和安全协议(例如,SSL或TSL协议), 以便于交易数据98到金融服务器100的安全传输。 Regardless of the type of connection between the device 10 and the financial server 100 to establish what, it should be understood that 74 can also use one kind discussed above, one or more data encryption and security protocols (e.g., SSL, or TSL The security feature of FIG. 3 agreement), in order to secure financial transaction data transmission server 98 to 100.

[0126] 如本领域技术人员理解的,向其传输交易数据98的金融服务器100的一种或多种类型类型可以取决于付款人选择的支付账户的类型和/或收款人选择的存入账户的类型。 [0126] As appreciated by those skilled in the art, to which one kind of the transmission's 98 financial server 100 may depend on the type or types stored in the type of payment account selected by the payer and / or payee selected type accounts. 例如,如果付款人选择的支付账户是信用卡账户,并且如果在收款人设备10上指定的存入账户是银行账户,则金融服务器100可以包括银行服务器以及信用卡验证服务器。 For example, if the payer's payment account is selected credit card account, and if specified on the recipient device 10 into account is a bank account, the financial server 100 may include bank and credit card verification server server. 作为例子,交易数据98可被首先传输到与银行机构相关联的银行服务器,在银行服务器处保存有指定的存入账户以用于验证指定的存入账户是否是有效账户,以及是否能够接收信用卡支付。 As an example, transaction data 98 ​​may be transmitted to the first bank server associated with the banking institutions, the bank server stores the specified account for verification is stored into the specified account whether the account is valid and whether the credit card can be received payment. 应当理解,向银行账户进行的信用卡支付的接收可能构成可能需要登记、订购或收款人支付附加费用的特殊服务。 It should be understood, to receive credit card payments to bank accounts may constitute may require registration, subscription or payee to pay the additional cost of special services. 因此,如果存入账户未被授权接收使用信用卡账户进行的支付, 则可以通知收款人选择不同的存入账户。 Therefore, if the deposit account is not authorized to receive payment by credit card accounts, you can choose a different notify the payee into account.

[0127] 如果确定选择的存入账户被授权接收来自信用卡账户的支付,则交易数据98可被进一步以授权请求的形式传输到信用卡验证服务器。 [0127] If it is determined in the deposit account is authorized to receive payment from a credit card account, the transaction data 98 ​​may be in the form of an authorization request further to the transmission to the credit card validation server. 信用卡验证服务器可与保持付款人的所选择的信用卡账户的信用卡公司(诸如American Express® or MasterCard®)相关联。 Credit card verification server may be associated with the payer to maintain the selected credit card account credit card company (such as American Express® or MasterCard®). 信用卡验证服务器可以处理交易数据98,以便确定是否可以授权支付请求中指定数目的对付款人的信用卡账户的支取。 Verify that the server can handle credit card transaction data 98 ​​to determine whether you can authorize the payment specified in the request the withdrawal of the credit card account number of the payer. 作为例子,信用卡验证服务器可以首先验证在交易数据98中提供的信用卡账户信息是否对应于属于指定付款人的有效信用卡账户。 By way of example, a credit card verification server may first verify whether the credit card account information, transaction data 98 ​​provided corresponding to the valid credit card account belonging to the specified payer. 信用卡验证服务器还可以确定与信用卡账户相关联的信用限额是否足以满足所请求的支付数目。 Credit card verification server can also determine the credit limit credit card associated with the account whether the number is sufficient to meet the payment requested. 如果信用卡验证服务器确定指定的信用卡账户有效,并且被授权进行所请求的支付,则信用卡验证服务器可以授权通过从付款人的信用卡支出而向收款人所选择的存入账户进行支付。 If the credit card verification server determined the specified credit card account is valid, and is authorized to make the requested payment, the credit card verification server can authorize payment by credit card expenditures from the payer to the payee and the selected deposit accounts. 信用卡验证服务器然后可将授权消息传输给银行服务器,指出所请求的支付已被授权,并且所请求的支付已从付款人的信用卡账户支出,并已付入或存入收款人的存入账户(例如,银行账户)。 Credit card verification server can then be transmitted to the bank server authorization message indicating that the requested payment has been authorized, and credit card account to pay expenses from the payer requested, and paid into the payee's deposit account or credit (for example, bank account).

[0128] 上面讨论的信用卡验证服务器和银行服务器之间的交互旨在仅仅示出关于处理由收款人设备10或付款人设备92发起的交易的一种可能情况。 [0128] interaction between the server and the bank server credit card verification discussed above is intended merely shows a device 10 for dealing by the payee or payer device initiated 92 trade possibilities. 因此应当理解,可以存在各种其它类型的情况,其中利用一种或多种类型的金融服务器处理根据本公开的实施例的对等交易。 It is therefore to be understood that there may be various other types of cases, where the use of one or more types of financial server processing like embodiment of the present disclosure according to the transaction. 例如,取代信用卡验证服务器,在指定的存入账户和支付账户两者都是在不同相应银行机构中持有的银行账户的情况下,可由多个银行服务器处理交易。 For example, instead of a credit card verification server, in the case of both deposit accounts and payment accounts are held by designated at different banking institutions in the respective bank accounts, transaction processing servers by multiple banks. 还应当理解,上述各种金融服务器100之间的通信可以通过收款人设备10和付款人设备92上可用的任何适合的通信接口来提供(仅仅例举几个,所述通信接口诸如WAN接口68、LAN接口66或WLAN 接口58),并且可以包括一个或多个安全协议,诸如SSL或TSL,以及用于保护交易信息98 的安全和完整性的一种或多种加密技术。 It should also be appreciated that the communication 100 between the above financial server may be provided by any suitable communication interfaces available on the device 92 payee and the payer device 10 (just to name a few, the communication interface such as a WAN Interface 68, LAN interface 66 or the WLAN interface 58), and may include one or more security protocols, such as SSL or the TSL, and 98 for protecting the transaction information integrity and security of one or more encryption techniques.

[0129] 如图4进一步所示,一旦交易被处理,完成消息102可被传输到收款人设备10。 [0129] As further shown in FIG. 4, once the transaction is processed, the completion message 102 may be transmitted to the recipient device 10. 如上所述,可以通过WAN、WLAN、LAN接口接收完成消息102,或在某些实施例中,可以通过邮件或借助于SMS文本消息(例如,通过SMS接口70)传输完成消息102。 As described above, by WAN, WLAN, LAN interface receives the completion message 102, or in some embodiments, by mail or by means of SMS text messages (e.g., via SMS interface 70) 102 to complete the message transfer. 完成消息102可以指出所请求的交易是否已被成功处理。 Completion message 102 may indicate whether the requested transaction has been successfully processed. 如果交易成功了,则完成消息102可以包括向收款人指示所请求的支付94已被存入指定的存入账户的确认。 If the transaction is successful, completion message 102 may include a payment to a payee 94 indicating that the requested acknowledgment has been stored into the designated account. 可替换地,如果交易出于一个或多个原因没有成功(例如,提供的信用卡账户没有足够的资金或信用额度),则完成消息102 可以指示交易未成功和/或建议收款人寻求另一种支付方法。 Alternatively, if the transaction for one or more reasons not successful (for example, provide credit card account does not have sufficient funds or credit line), the complete message 102 may indicate a transaction is not successful and / or recommendations seek another payee kinds of payment methods.

[0130] 在一个实施例中,收款人设备10其上可以存储有多个存入账户,并且收款人可以诸如通过用户偏好72来指定关于存入账户的优先级顺序。 [0130] In one embodiment, the recipient device 10 which may store a plurality of stored account and the payee, such as by user preference 72 may be deposited on the priority order specified account. 例如,可以自动选择具有最高优先级的存入账户作为所选择的存入账户。 For example, it can be automatically selected with the highest priority is stored as the selected account stored in account. 因此,如果交易不成功的原因是由于当前选择的存入账户(例如,该账户可能未配置为接收信用卡支付),则交易应用可以配置为使用具有次高优先级设置的存入账户向金融服务器100自动发起后续交易请求。 Therefore, if the transaction is unsuccessful reason is due to the currently selected into account (for example, the account may not be configured to receive credit card payments), the transaction application can be configured to use a deposit account with the next highest priority to the financial server 100 automatically initiate a subsequent transaction requests. 另外,如果交易被成功处理,金融服务器100或收款人设备10还可以以电子收据(此处以标号104表示)的形式向付款人设备92传输确认消息。 Further, if the transaction is successfully processed, the payee or the financial server 100 may further device 10 (here represented by reference numeral 104) in the form of an electronic receipt confirmation message to the transmitting device 92 payer. 电子收据104可以作为所请求的支付已被付款人满足并且被收款人接收的确认。 The electronic receipt 104 may be used as the payment has been requested by the payer and the payee satisfy the received acknowledgment.

[0131] 虽然在上面提供的例子中一个或多个金融服务器100指多个服务器(例如,银行服务器和信用卡验证服务器),但是在某些情况下,一个或多个金融服务器100可以包括单个金融服务器,诸如在指定的支付账户和存入账户被相同金融机构(例如,相同银行)持有的情况。 [0131] Although the examples provided above, the one or more financial server 100 refers to a plurality of servers (e.g., credit card and bank server authentication server), but in some cases, one or more financial server 100 may comprise a single financial server, such as a specified payment account and deposit account is in the same financial institution (for example, the same bank) case held. 在该情况下,可由与该共同金融机构相关联的单个服务器执行上述的交易授权处理。 In this case, the transaction authorization process may be performed by a single server associated with the joint financial institution. 因此,应当理解短语“单个服务器”可以指不同位置的多于一个计算设备,但是每个计算设备被相同金融机构拥有、操作或与相同金融机构相关联。 Accordingly, it should be understood that the phrase "single server" may refer to more than one computing device at different locations, but each has the same computing device is a financial institution or a financial institution associated with the same operation. 另外,一个或多个金融服务器100不必局限于被配置为管理货币资产的金融服务器。 In addition, one or more financial server 100 need not be limited configured to manage monetary financial assets servers. 例如,在交易涉及非现金资产——诸如上面讨论的存储在iTunes®账户内的积分——的情况下,金融服务器loo可以包括由iTunes®在线服务器管理的服务器。 For example, in transactions involving non-cash assets - such as discussed above credits stored in the iTunes® account - in the case, the financial server loo may include the online iTunes® server management server. 实际上,关于各种金融服务器loo的交互的这些附加实施例也被认为是在本公开的范围内,并且将在下面更详细地描述。 In fact, the interaction of these various additional embodiments loo financial server is also considered to be within the scope of the present disclosure, and will be described in more detail below.

[0132] 继续本公开,图5A-10B借助多个屏幕图像示出了配置电子设备10以便用于上述交易应用34的各种方法和技术。 [0132] Continuing with the present disclosure, FIGS. 5A-10B by means of a plurality of screen image shows a configuration of electronic device 10 for use in the above-described various methods and techniques transaction application 34. 示出的屏幕图像可由⑶I观产生并且被显示在显示器M 上。 Screen image shown may be generated and View ⑶I displayed on the display M. 例如,当诸如通过输入结构14,16,18,20和22和/或触摸屏接口78与设备10的用户交互时,可以产生这些屏幕图像。 For example, when a user interaction input structure, such as by 14, 16 and 22 and / or touch screen interface 78 and device 10, the screen image may be generated. 具体地,这些图示出了根据本公开的实施例,用于在设备10内存储支付账户和存入账户信息,以及用于配置上面根据图3所述的用户偏好72和安全特征74中的一个或多个的技术和方法。 In particular, these figures show the embodiment according to the present disclosure, in a device for storing the payment deposit account and the account information 10, and 72 for the above configuration and preferences of the user security feature 74 in FIG. 3 technology and one or more methods.

[0133] 如上面讨论的,根据用户进行的输入和选择,⑶I观可以显示包括图标(例如, 30)和图形元素的各种屏幕。 [0133] As discussed above, according to the input selection made by the user and, ⑶I concept may include various display screen icons (e.g., 30), and graphic elements. 这些元素可以表示可由用户通过使用例如触摸屏接口78在显示器M上物理触摸其相应位置而选择的图形和虚拟元素或“按钮”。 These elements represent graphics and virtual element or "button" may be a touch screen user interface 78 on the display of a physical touch M by using, for example, their respective locations selected. 因此应当理解,在下面的屏幕图像的下列描述中使用的术语“按钮”、“虚拟按钮”、“图形按钮”、“图形元素”等意味着指以提供在显示器M上的图形元素表示的按钮或图标的图形表示。 It is therefore to be understood that the term "button" used in the following description of a screen image below, "virtual button", "graphical button", "graphical element" is intended to mean the like to provide a button on a display representation of the graphical elements M icon or graphical representation. 另外,还应当理解, 可以使用各种各样的图形元素和视觉方案实现在后续附图中提出和描述的功能。 Further, it should be understood that use various graphic elements and visual programs implement the functions described and presented in the subsequent figures. 因此,本公开不旨在局限于此处给出的精确的用户界面约定。 Accordingly, the present disclosure is not intended to be limited to the exact user interface convention given herein. 而是本公开的实施例可以包括各种用户界面风格。 But embodiments of the present disclosure may include various user interface style.

[0134] 首先参考图5A和5B,这些图共同示出了当表示信用卡账户的信息被用户输入并且被存储在设备10内时,可被显示在设备10上的屏幕图像。 [0134] Referring first to FIGS. 5A and 5B, these figures together illustrate a credit card account when the information indicating the user is input and stored in the device 10, the screen image may be displayed on the storage device 10. 然后,存储的信用卡信息可被结合上述的交易应用用作支付账户。 Then, the stored credit card information can be used in conjunction with the above-mentioned transaction application payment account. 如图5A所示,用户可以通过选择显示在设备10的主屏幕四上的图标34启动交易应用。 5A, the user can select the icon displayed in starting the transaction application 34 on the four primary screen device 10. 在选择图标34之后,可以诸如通过CPU 50启动交易应用,并且用户可以进入屏幕110,屏幕110可以表示交易应用的“家”或“主”屏幕。 After selecting the icon 34, 50 can start trading such as by application CPU, and the user can enter the screen 110, the screen 110 may represent a trading application "home" or "main" screen.

[0135] 屏幕110可以包括以标号112、114和116表示的多个图形元素。 [0135] Screen 110 may include a plurality of graphical elements in the reference numerals 112, 114 and 116 represent. 每个图形元素112、114和116可被以按钮或按键的形式显示,并且可以包括相应功能或与其相关联的动作的简要描述。 Each graphical elements 112, 114 and 116 may be displayed as buttons or keys, and may include a brief description of the operation of the respective function or associated therewith. 例如,图形按钮112可以表示用户可以用其观看和修改存储在设备10上的账户信息的功能。 For example, button 112 may represent a graphical user account information may be used which functions to view and edit stored on the device 10. 图形按钮114可以表示用户可以用其发起对等交易(诸如上面在图4中描述的交易)的功能。 Graphical button 114 may represent a user can use to initiate other transactions (such as the transaction described above in FIG. 4) functions. 另外,图形按钮116可以表示用户可以用其观看和修改各种用户偏好(诸如上面参考图3描述的用户偏好72)的功能。 Further, the graphical button 116 may represent a user can use to view and modify various user preferences (such as the user as described above with reference to FIG. 3 Preference 72) function. 由图形按钮116提供的功能还可以允许用户修改或访问上面讨论的一个或多个安全特征74。 Graphical button 116 provides a function may also allow the user to access or modify discussed above one or more security features 74.

[0136] 本讨论首先以由图形按钮112提供的功能的描述开始。 [0136] First, the present discussion to describe the start button 112 provided by the graphics functions. 然而,应当记住下面将更详细地讨论由图形按钮114和116提供的附加功能。 However, it should be remembered that the additional functionality provided by the discussed graphical buttons 114 and 116 in more detail below. 另外,如图5A所示,屏幕110可以包括图形按钮118。 Further, as shown in FIG. 5A, the screen 110 may include a graphic button 118. 图形按钮118可以表示使用户返回前一个屏幕的动作。 Graphical button 118 returns the user may indicate that the previous operation screen. 例如,如果用户选择显示在图5A的屏幕110上的按钮118,用户将返回主屏幕四。 For example, if the user selects the button 110 on the screen 118 of FIG. 5A, the user will return to the main screen IV.

[0137] 为了将新的信用卡账户输入并且存储在设备10内,用户可以选择图形按钮112以便访问屏幕120,屏幕120显示当前存储在设备10上的所有账户的列表。 [0137] In order to enter a new credit card account and stored in the device 10, the user may select button 112 to access the graphics screen 120, the screen 120 displays a list of all the accounts are currently stored on the device 10. 如以屏幕120所示,可以根据一定种类来组织和显示当前存储的账户。 As shown in screen 120, and the display may be organized according to certain currently stored in the account type. 例如,账户信息屏幕120可以显示当前存储的信用卡账户的第一列表122、当前存储的银行账户的第二列表124、当前存储的非现金账户的第三列表126、以及其它账户的附加列表128,其它账户可以包括与特定供应商或零售商相关联的赊账卡或会员卡。 For example, the account information screen 120 may display a first list of currently stored card account 122, the current 124, the current 126, and an additional list of other non-cash accounts third list stored in the second list of accounts stored bank account 128, other accounts can include credit card or membership card with a particular supplier or retailer associated. 另外,账户信息屏幕120可以包括表示向设备10添加附加账户或从设备10删除已有账户的功能的附加图形元素,分别以图形按钮130和132表示。 Further, the account information screen 120 may include information indicating, respectively graphical buttons 130 and 132 to add additional account or device 10 additional graphical elements 10 remove the device from the function of an existing account. 因此,为了向设备10添加新账户,用户可以选择图形按钮130。 Accordingly, in order to add a new account to the device 10, the user may select a graphical button 130. 另外,如果用户希望删除显示在一个或多个列表122、124、126或128上的以前存储的账户,用户可以通过选择图形按钮132这样做。 In addition, if the user wants to delete the display on one or more lists 122, 124, or 128 of previously stored account, the user can do this by selecting the graphic button 132.

[0138] 如图5A所示,在选择了图形按钮130之后,用户可以进入屏幕134。 [0138] As shown in FIG. 5A, after selecting the graphical button 130, the user can enter the screen 134. 屏幕134可以包括多个图形按钮136,138,140,142和144,它们中的每一个可以表示可被存储在设备10 上的各种类型账户的种类。 Screen 134 may include a plurality of graphical buttons 136,138,140,142 and 144, each of which may represent various types of account types may be stored on the device 10. 作为例子,用户可以通过选择图形按钮136启动输入和存储新的信用卡账户的处理。 As an example, a user may input and process 136 starts by selecting the graphical button store new credit card account. 这种选择可以使得用户进入屏幕146。 Such selection may enable a user to enter the screen 146. 然而应当理解,用户可以决定选择任何其它图形按钮138,140,142或144以便进入不同账户类型,并且对任何这些图形按钮的选择将使得用户进入相应的适当屏幕。 However, it should be understood that the user can decide to select any other graphic button 138, 140 or 144 to enter different types of accounts, and the selection of any of these buttons will cause the graphical user enters the appropriate corresponding screen.

[0139] 现在参考屏幕146,可以显示以标号148,150,152和IM示出的若干下拉式选择字段。 [0139] Referring now to the screen 146 may be displayed in a number of drop-down selection field reference numerals 148, 150 and IM illustrated. 例如,下拉选择字段148可以提供对应于各种信用卡提供商的信用卡品牌的列表,用户可以基于用户希望存储在设备10内的具体信用卡在其上做出适当选择。 For example, drop-down selection field 148 may be provided corresponding to various credit card provider, credit card brand list, a user may want the user based on the specific credit card stored in the apparatus 10 to make appropriate selection thereon. 另外,下拉字段150和152可以分别给用户提供对应于与新信用卡账户相关联的到期日期的月和年选择。 In addition, the drop-down fields 150 and 152 may correspond, respectively, to provide users with a new monthly credit card associated with the account and expiration date of selection. 应当理解,当下拉字段被用户激励或选择时,下拉字段可以显示可以选择以便填充相应下拉字段的可用选项的列表。 It will be appreciated, when the pull-down field is excited or selected by the user may display a drop-down fields may be selected to populate the list of available options down field. 例如,参考下拉字段154,其可以表示与正被输入的信用卡账户类型相对应的种类选择,用户可以从一般性地描述各种信用卡账户类型的可用种类列表中选择一个种类。 For example, with reference to the pull-down field 154, which may represent the type of credit card accounts are being entered corresponding to the type selected, a list of the various types of available credit card account of the type described in the general user can select a category. 作为例子,该信用卡可以一般用于汽油购买、机票或车票购买,或可以是用于多种购买的通用卡。 As an example, the credit cards can generally be used to purchase gasoline, airline tickets or ticket purchase, or may be used for a variety of general-purpose card purchases.

[0140] 根据本公开的一个方面,可以提供一个或多个商业方法,其中可以与一个或多个信用卡提供商达成协议,其中设备10的制造商可以预先配置设备10以使得特定信用卡品牌可被初始选择作为默认选择。 [0140] In accordance with one aspect of the present disclosure, may provide one or more business methods, which may reach an agreement with one or more credit card provider, wherein the device manufacturers 10 may be preconfigured such that the device 10 may be a particular brand of credit card The initial selection as the default choice. 例如,如图5A所示,下拉字段148可以最初显示与特定信用卡提供商相关联的默认信用卡品牌(例如,American Express® )0因此,如果用户继续图5A和5B所示的处理并且完成将默认选择的信用卡类型添加到设备10的步骤,设备10 的制造商和信用卡提供商可以达成协议,其中每次由该信用卡提供商维持的信用卡账户被存储到由该制造商销售和/或制造的设备上,设备10的制造商就接收一笔佣金或费用。 For example, as shown in FIG. 5A, the pull-down field 148 may be initially displayed with a particular credit card provider default credit card associated with the brand (e.g., American Express®) 0 Thus, if the user continues processing shown in FIGS. 5A and 5B and completes the default added to the selected credit card type device in step 10, the manufacturer and the credit card provider device 10 may be an agreement, each of which is maintained by the credit card provider, credit card accounts is stored in a sale of the manufacturer and / or equipment manufacturing the manufacturer, the device 10 on receiving a commission or fee. 另外,设备10的制造商还可以与信用卡提供商达成协议,从而如果使用设备10执行信用卡交易,设备10的制造商就可以接收支付给信用卡提供商的信用卡交易费用的某个百分比。 In addition, the manufacturer of the device 10 may also reach an agreement with the credit card provider, so if you use 10 to perform a credit card transaction, the manufacturer of the device 10 can receive a percentage of the credit card transaction fees paid to the credit card provider.

[0141] 现在继续图5A的描述,屏幕146还可以包括此处以标号156和158示出的若干文本字段。 [0141] Continuing now with the description of FIG. 5A, the screen 146 may further include a reference herein to a number of text fields 156 and 158 illustrated. 字段156可以允许用户输入对应于新的信用卡账户的账号。 Field 156 may allow the user to enter a credit card account corresponding to the new account. 另外,可以提供表单字段158,以便允许用户输入对应于选择的信用卡的卡验证值(CVV)码。 Further, form fields 158 may be provided to allow the user input corresponding to the selected card verification value (the CVV) code of a credit card. 应当理解,CVV码一般印刷在信用卡正面或背面上,并且还可被编码在信用卡上的磁条上,并且可以作为信用卡交易中的附加安全特征,从而提供针对信用卡欺诈的增强保护。 It should be understood, CVV code is usually printed on the front or back of the credit card, and can also be encoded on a magnetic stripe on a credit card, and can be used as an additional safety feature credit card transactions, providing enhanced protection against credit card fraud. 在替换实施例中,当输入新账户时可以不需要CVV码,而是代之以可以在每次在交易中使用新添加的信用卡账户时由设备10要求CVV码。 In an alternative embodiment, when a new account may not need to enter the CVV code, but instead may be required by the apparatus 10 CVV code every time the credit card account of the newly added in the transaction.

[0142] 为了在字段156和158中输入数据,屏幕146可以包括图形文本输入键盘界面160。 [0142] In order to enter data in the fields 156 and 158, the screen 146 may include a graphical interface, a text input keyboard 160. 文本输入键盘界面160可以包括,例如,表示字母表字母的多个图形按钮,以及表示键盘上的标准“空格键”和“退格键”功能的按钮。 Text entry keyboard interface 160 may include, for example, represents a plurality of graphical button alphabet letters, indicating standard buttons on the keyboard "spacebar" and "backspace" feature. 因此,用户可以使用文本键盘界面160在可被显示在设备10的显示器M上的任何文本字段内输入文本数据。 Accordingly, the user can enter text data 160 using any text field on the display device 10 M text keyboard interface may be displayed. 文本键盘界面160还可以包括图形按钮162,图形按钮162可以允许用户在文本输入键盘160和数字键盘164之间切换。 Text keyboard interface 160 may further include a graphic button 162, a graphics button 162 may allow the user to switch between the keyboard 160 and the text input numeric keypad 164. 如图5A所示,数字键盘164可以包括表示数字0-9的多个按钮,以及若干常用的标点符号。 5A, the keypad 164 may include a plurality of buttons represent numbers 0-9, and a number of common punctuation. 数字键盘164还可以包括图形按钮166,用户可以借助图形按钮166选择返回文本键盘160。 Numeric keypad 164 may also include graphical buttons 166, the user may select by means of graphical button 166 returns the text keyboard 160. 作为例子,用户可以从文本键盘160切换到数字键盘164,以便在表单字段156和158中输入信用卡账号和CVV码。 As an example, the user can switch from text keyboard 160 to the keypad 164, to enter a credit card account number and code CVV form fields 156 and 158. 另外,如果需要返回文本键盘160,用户可以通过选择数字键盘164上的图形按钮166这样做。 Further, if necessary to return the text keyboard 160, the user 166 can do this by selecting the graphic button on the numeric keypad 164. 在另外的实施例中,数字和文本输入特征可被集成在单个图形键盘界面内。 In a further embodiment, the digital and text input features may be integrated within a single graphical keyboard interface.

[0143] 一旦用户提供了下拉字段148,150,152和154和文本字段156、158所需的所有信用卡信息,用户可以选择图形按钮168以便开始信用卡验证处理。 [0143] Once the user provides a drop-down field 148, 150, 154 and 156, 158 and all the text fields needed credit card information, the user may select a graphical button 168 to begin the authentication process a credit card. 该验证处理一般可用于验证执行将信用卡账户输入到设备10中的步骤的用户是信用卡账户持有人或被授权用户。 The verification process is generally performed can be used to validate a credit card account to the user input device 10 to step a credit account holder or an authorized user. 例如,在验证处理期间,在屏幕146内输入的信用卡信息可被传输到相应的信用卡提供商。 For example, during the verification process, the credit card information is entered in the screen 146 may be transferred to the corresponding credit card provider. 如上面讨论的,信用卡信息的传输可通过一个或多个上述通信接口完成,并且可受到一个或多个上述加密和安全方法保护。 As discussed above, transmission of credit card information can be enabled through one or more of the communication, and may be subjected to one or more of the above-described method of encryption and security protection.

[0144] 现在转到图5B,一旦信用卡提供商已经验证由设备10提供的信用卡信息是有效的,信用卡提供商就可以通过向设备10传输一个或多个验证码来确认用户的身份。 [0144] Turning now to Figure 5B, once the credit card provider to verify the credit card information has been provided by the device 10 is valid, the credit card provider may confirm the identity of the user by a transmission device 10 to the one or more codes. 例如, 参考屏幕170,可以显示通知消息172,通知用户已经例如通过电子邮件提供了用于激活将在设备10上使用的信用卡的验证码。 For example, referring to the screen 170, can display a notification message 172 notifying the user has provided, for example, be used for activating a device 10 on a credit card verification code via email. 应当理解,验证码被发送到的电子邮件地址可以是与信用卡账户相关联并且被包含在由信用卡提供商保持的记录中的电子邮件地址。 It should be appreciated that the verification code is sent to the e-mail address may be associated with a credit card account and the mail address contained in the record held by the credit card provider. 因此,这确保仅有被授权用户接收到验证码。 Thus, this ensures that only authorized users received codes. 因此,信用卡验证屏幕170可以包括图形按钮144,图形按钮144可以执行电子邮件程序,用户可以通过电子邮件程序获取电子邮件消息以便获得验证码。 Therefore, credit card verification screen 170 may include a graphic button 144, button 144 may perform graphics email program, the user may obtain e-mail messages through e-mail program to obtain codes.

[0145] 另外,通过选择图形按钮178,用户可以返回屏幕120,屏幕120可被更新以便包括用户如上面讨论的那样通过屏幕146输入的新信用卡账户180。 [0145] Further, by selecting the graphic button 178, the user can return to screen 120, the screen 120 may be updated to include the new credit card account user through the screen 180 as input 146, as discussed above. 在处理中的此刻,屏幕120 可以指出,新输入的信用卡账户180可能不能用于从设备10进行支付,直到执行了授权或激活动作,诸如提供上述的验证码。 In the process at the moment, it is noted that the screen 120, a new credit card account input 180 may not be used from the payment device 10, or the authorization is executed until activation action, such as providing the above-described codes. 一旦用户获得了上述参考屏幕170讨论的以电子邮件发送的验证码,用户可以进入屏幕184以便输入验证码,并且因此激活信用卡账户180以便在设备10上使用。 Once a user obtains a reference screen 170 discussed above verification code transmitted by e-mail, the user can enter a verification code to the screen 184, 180 and thus activate the credit card account on the device 10 for use. 例如,如图5B所示,用户可以选择新信用卡账户180在屏幕120上的位置以便进入屏幕184。 For example, FIG. 5B, the user can select a new credit card account the position on the screen 180 enters the screen 120 to 184.

[0146] 如屏幕184所示,可以给用户提供用于输入上述电子邮件验证码的文本字段186。 [0146] As shown in a screen 184, a text field 186 may be provided for inputting the email address verification code to the user. 可以使用文本输入键盘160和/或数字键盘164输入验证码,可以通过选择图形按钮162 访问数字键盘164。 160 can use a text-entry keyboard and / or keypad input codes 164, 162 can be accessed by selecting the graphical button numeric keypad 164. 一旦输入了电子邮件验证码,用户可以选择图形按钮188,从而完成验证处理并且使用户返回屏幕120。 Once the e-mail inputted verification code, the user may select a graphical button 188, thereby completing the authentication process and return the user to screen 120. 如果如上述那样,用户在文本字段186中提供的验证码与信用卡提供商提供的验证码匹配,则如在图5B的最终更新屏幕120中所示,新输入的信用卡账户180得以授权,并且准备好结合交易应用34使用。 If, as described above, the user authentication code matches the authentication code in the text field 186 with the credit card provider is provided to provide, then as shown in FIG. 5B 120 finally updated screen, enter a new credit card account is authorized 180, and ready good combination of trading applications use 34.

[0147] 在出于某种原因未收到电子邮件验证码的情况下,用户可以替换地在文本字段190内提供电话验证码,以便激活信用卡账户180。 [0147] In the case of e-mail for some reason did not receive a verification code, the phone user may alternatively be provided in the text field codes 190, 180 in order to activate the credit card account. 例如,再次参考屏幕170,在通知消息172 中也提供电话确认码176。 For example, referring again to the screen 170, the telephone identification code 176 is also provided in the notification message 172. 在一个实施例中,为了获得电话验证码,用户必须诸如借助于电话呼叫向信用卡提供商提供电话确认码176,以便接收相应的电话验证码,该电话验证码可能不同于电子邮件验证码,但是如果被正确输入,则允许交易应用34使用新输入的信用卡180。 In one embodiment, in order to obtain the phone codes, such as by means of a telephone call the user must provide credit card provider to the telephone identification code 176 to receive corresponding telephone codes, codes may be different from the telephone mail codes, but If entered correctly, the transaction is allowed to enter a new credit card application 34 180. 因此,作为授权新输入的信用卡账户180用于交易应用34的替换方法,用户可以在文本字段190内输入电话验证码,并且选择图形按钮192。 Thus, as an authorized credit card account the new input method 180 for replacing the transaction application 34, the user may enter the text field phone codes 190, 192 and selecting the graphic button.

[0148] 现在继续到图6A和6B,这些图以屏幕图像示出了用于在电子设备10上输入并且存储银行账户的方法。 [0148] Continuing now to FIGS. 6A and 6B, these figures shown in the screen image and a method for entering an electronic device 10 stored in the bank account. 应当理解,图6A和6B所示处理的若干方面可以类似于——如果不是相同的话——上面参考图5A和5B讨论的步骤。 It should be understood that several aspects of the process shown in FIGS. 6A and 6B may be similar - if not identical - the step above with reference to FIGS. 5A and 5B discussed. 以图6A开始,用户可以选择屏幕110上的图形按钮112以便访问屏幕120,如上面讨论的,屏幕120可以显示当前存储在设备上的所有账户的列表。 In FIG. 6A starts, the user may select a graphical button on the screen 110 Access screen 112 to 120, as discussed above, the screen 120 may display a list of all currently stored in the account on the device. 如图6A所示,用户在图5A和5B中输入的信用卡账户180被包括在存储的信用卡账户的列表122内。 6A, the user inputs in FIGS. 5A and 5B credit card account 180 is included within the list 122 stored in the credit card account.

[0149] 接着,用户可以选择屏幕120上的图形按钮130以便进入屏幕134。 [0149] Next, the user may select a button on the screen graphics into the screen 134 to 120,130. 如上面讨论的, 屏幕134可以显示图形按钮136,138,140,142,和144,它们中的每一个可以表示可被存储在设备10上的各种类型账户的种类。 The screen 134 may display a graphical buttons 136,138,140,142, and 144 as discussed above, each of which may represent various types of account types may be stored on the device 10. 因此为了输入并且存储新的银行账户,用户可以选择图形按钮140以便进入屏幕198。 Therefore, to input and store new bank account, the user may select a graphical button 140 to enter the screen 198. 如图6A所示,屏幕198可以类似于上面讨论的屏幕146, 其中可以提供多个下拉字段(例如,200、202)和文本字段(例如,204、206)。 6A, a screen 198 may be similar to the screen 146 discussed above, wherein a plurality of pull-down fields may be provided (e.g., 200, 202) and text fields (e.g., 204, 206). 借助于这些字段,用户可以在设备10上输入所需的银行账户信息。 By means of these fields, the user can enter the required information on the bank account apparatus 10. 例如,下拉字段200可以允许用户选择与新银行账户相关联的银行业务提供商的身份。 For example, the drop-down field 200 may allow the user to select a new identity and banking providers of bank accounts associated. 下拉字段202也可以提供对正在存储的银行账户的类型的选择,其可以是例如支票账户、储蓄账户、货币市场账户等。 Drop-down field 202 may also provide a choice of a bank account is the type of storage, which can be for example a checking account, savings accounts, money market accounts and so on. 另外,文本字段204和206可以分别允许用户输入银行业务提供商的银行代号(routing number)和与该银行账户相关联的账号。 Furthermore, text fields 204 and 206 may allow a user to input a service provider Bank code (routing number) and account number associated with the account with the bank, respectively. 可以在屏幕198上提供文本键盘160以便在字段204和206中输入数据。 Text may be provided on-screen keyboard to input data 198,160 and 206 in the field 204. 另外,如上面讨论的,当需要输入数字数据(诸如上述的银行代号和银行账号) 时,可以通过选择图形按钮162访问数字键盘164。 Further, as discussed above, when the input digital data required (such as the aforementioned bank account number and bank code), the button 162 can be accessed by selecting a graphical numeric keypad 164.

[0150] 一旦所需银行账户信息被输入下拉字段200和202以及文本字段204和206,用户可以选择图形按钮208,以便启动验证和授权输入的银行账户以用于设备10上的交易应用34的处理。 [0150] Once the desired information is inputted bank accounts 200 and 202 and the pull-down field 204 and text field 206, the user may select a graphical button 208 to start a bank account authentication and authorization for the transaction on the input device 10 to the application 34 deal with. 可以理解,关于输入的银行账户的验证处理的某些方面可以类似于上面以图5B 描述的信用卡验证处理。 It will be appreciated that certain aspects of the verification process on the input bank account may be similar to a credit card verification processing described above in FIG. 5B. 例如,在验证处理期间,在屏幕198内输入的银行账户信息可被传输到在下拉字段200中选择的银行业务提供商。 For example, during the verify process, bank account information entered in screen 198 may be transmitted to the bank service provider selection in the pull-down field 200. 如上面讨论的,银行账户信息的传输可通过一个或多个上述通信接口(例如,接口58,60,62,64,66,68和70)完成,并且受到一个或多个上述加密和安全方法保护。 E.g., bank account information transfer discussed above by one or more of the communication interfaces (e.g., interfaces 58,60,62,64,66,68 and 70) is completed, and subjected to one or more of the above-described encryption method and safety protection.

[0151] 现在继续到图6B,一旦银行业务提供商已经验证由设备10传输的银行账户信息表示有效银行账户,银行业务提供商可以使用任何适合类型的认证技术确认用户的身份。 [0151] Continuing now to to Figure 6B, once the bank service provider has been verified by the bank account information 10 showing the transmission device effective bank account, banking service providers may use any suitable type of authentication technique to confirm the identity of the user. 例如,在示出的实施例中,银行业务提供商可以启动对该银行账户的一个或多个验证存款。 For example, in the embodiment illustrated, the bank service provider may initiate the verification of the one or more bank deposit accounts. 如本领域技术人员理解的,验证存款一般是相对小的数目(例如,少于1美元),并且可被用于确认账户持有人的身份。 As appreciated by those skilled in the art, to verify the deposit will generally be relatively small number (e.g., less than $ 1), and can be used to confirm the identity of the account holder. 例如,在可以授权新输入的银行账户用于交易应用34之前,银行业务提供商可以要求账户持有人提供该验证存款数目的精确值。 For example, you can enter new bank account authorized for trading applications before 34, the bank may require the service provider to provide the account holder to verify the exact number of the deposit value. 作为例子,现在参考图6B的屏幕210,一旦银行业务提供商已经验证了在屏幕198中输入的银行账户的有效性,可以显示通知消息212。 By way of example, with reference now to FIG. 6B screen 210, once the bank service provider has verified the validity of the bank account input screen 198, the notification message 212 may be displayed. 在示出的实施例中,通知消息212可以通知用户,两笔验证存款已被存入新输入的银行账户,然而应当理解,任何笔数的验证存款可被用于确认处理。 In the illustrated embodiment, the notification message may notify the user 212, two pen verification bank account deposits have been newly input, it should be understood that any of the items may be used to confirm the deposit verification process.

[0152] 用户可以选择图形按钮214以便返回屏幕120,其中如以标号216所示,可以更新列表124以便包括新输入的银行账户。 [0152] The user may select a graphical button 214 to return to screen 120, which as shown by reference numeral 216, the list 124 may be updated to include the new bank account entered. 类似于图5B所示的屏幕120,图6B的屏幕120可以指出,新银行账户216可能不能用于使用设备10进行支付,直到向银行业务提供商确认了上面讨论的验证存款数目为止。 5B is similar to the screen shown in FIG. 120, the screen 120 of FIG 6B may be noted, the new bank account 216 using the device 10 may not be used for payment, up until the number of confirmed validation discussed above deposit bank service provider. 因此,可以要求用户诸如例如通过观看存入验证数目之后发出的银行业务说明,确定验证存款的数目。 Thus, the user may be required, such as for example described by banking emitted after watching stored authentication number to determine the number of verify deposits.

[0153] 在确定验证存款数目之后,用户可以通过选择新银行账户216在屏幕120上的位置访问屏幕218。 [0153] After determining the number of deposit verification, the user can access the screen 218 in a position 216 on the screen 120 by selecting a new bank account. 如图6B所示,屏幕218可以显示文本字段220和222,用户可以使用文本字段220和222输入两笔验证存款的数目。 6B, the screen 218 may display text fields 220 and 222, the user can use the text input field 220 and 222 deposit number two verification pen. 另外,屏幕218可以包括数字键盘164,用户可以使用数字键盘164在字段220和222中输入验证存款数目。 Further, the screen 218 may include a numeric keypad 164, the user can use the keypad to enter the number of the deposit 164 in field 220 and 222. 一旦已经输入了验证存款数目,用户可以通过选择图形按钮2¾并且返回屏幕120完成确认处理。 Once verified deposit amount has been entered, the user may select a graphical button 2¾ screen 120 and return to complete the confirmation process. 如图6B所示,如果用户在屏幕218中输入的存款数目与由银行业务提供商存入的验证数目匹配,则如在图6B 的最终更新屏幕120中所示,新输入的银行账户216得以授权,并且准备好结合交易应用34 使用。 As shown in FIG. 6B, if the user enter the number of the deposit screen 218 matches the authentication number stored by the bank service provider, then as shown in FIG. 6B as shown in the final update screen 120, the bank account 216 is newly input authorized and ready to use in conjunction with the transaction application 34. 如下面更详细描述讨论的,根据设备10担任收款人设备还是付款人设备,存储在设备10(或设备9¾上的银行账户可被用作存入账户和支付账户两者。 As discussed in more detail below, the apparatus 10 as payee or payer device apparatus 10 is stored on a bank account (or device 9¾ device may be used as both the stored account and payment account.

[0154] 现在继续图7-10B,如上面讨论的,设备10可以包括一个或多个偏好设置,诸如图3中以标号72表示的偏好设置,它们可以是制造商预先配置的或由用户后来配置的。 [0154] Continuing now with FIG. 7-10B, as discussed above, device 10 may comprise one or more preferences, such as preferences indicated at reference numeral 72 in FIG. 3, which may be manufacturer pre-configured by the user or subsequently configuration. 作为例子,偏好设置72可以包括对默认支付账户、默认存入账户以及附加设置的选择,该附加设置诸如出于安全目的对授权PIN号的选择和存储。 As an example, setting preferences 72 may include a default payment account, a default account and credited to select additional settings, such as setting the additional authorization for security purposes and the PIN number stored selection. 因此,图7-10B所示的屏幕图像旨在作为例子示出用户可用于操作设备10以便配置前述偏好设置的技术。 Thus, as shown in FIGS. 7-10B screen image shown as an example intended user device 10 may be used to configure the operation of the technology preferences.

[0155] 首先参考图7,对默认支付账户的选择可以首先从屏幕110开始。 [0155] Referring first to FIG. 7, the default payment account can choose to start from the first screen 110. 在屏幕110中, 用户可以选择图形按钮116以便访问屏幕230,屏幕230可以显示设备10上的一个或多个用户偏好的当前配置。 In the screen 110, the user may select a graphical button 116 to access the screen 230, the screen 230 may be displayed on a device or a plurality of user preferences 10 of the current configuration. 在示出的实施例中,显示在屏幕230上的用户偏好设置可以包括当前选择的默认支付账户232和当前选择的默认存入账户234。 In the illustrated embodiment, the display screen on the user preferences 230 may include the currently selected default payment account 232 and the currently selected default 234 into account. 屏幕230还可以包括图形按钮236和238,它们可分别显示在默认账户232和234旁边,并且如果被选择则可以允许用户修改或改变默认账户设置。 Screen 230 may also include graphical buttons 236 and 238, respectively, they may be displayed next to the default accounts 232 and 234, and, if selected, may allow the user to modify or change the default account settings.

[0156] 如下面更详细描述讨论的,屏幕230可以附加地显示各种其它偏好设置,诸如用户输入的电子邮件地址对0,其可用于识别设备10的用户,并且还可被交易应用34用于例如接收支付收据。 [0156] As discussed in more detail below, the screen display 230 may additionally various other preferences, such as an email address input by the user of 0, which may be used to identify the user device 10, and the transaction application 34 may also be used for example, receiving a payment receipt. 如图7所示,用户可以通过选择图形按钮242更新电子邮件地址设置2400屏幕230还可以包括图形按钮对4,用户可以使用图形按钮244选择输入并存储授权PIN码,以及指示关于交易应用34的许可状态。 As shown in FIG 7 may be updated by the user selecting the graphical button 242 email address setting screen 2400 may further include a graphic button 230 to 4, the user can use the graphical button 244 to select input and stored authorization PIN code, and an indication of the transaction application 34 license status. 例如,如标号246所示的,交易应用34可以处于“解锁”模式,并且因此可由用户用于执行上面一般描述的交易。 For example, as shown by reference numeral 246, the transaction application 34 may be in an "unlocked" mode, and thus the transaction by a user for performing the above-described general. 出于安全目的,用户可以诸如通过选择图形按钮248在解锁和锁定模式之间切换该许可设置M6,从而当处于锁定模式时可以禁止交易应用34。 For security purposes, the user may select a graphical button between the locked and unlocked mode switch 248, such as the permission set M6, so that when in the locked mode can be prohibited transaction application 34. 应当理解,当交易应用34被锁定时,用户可能无法使用设备10发送或接收支付。 It should be understood that when the transaction application 34 is blocked and you may not be able to send or receive payments using the device 10. 在某些实施例中,如下面更详细解释的,交易应用34可以仅在提供授权PIN之后解锁。 In certain embodiments, as explained in more detail below, the transaction application 34 can be unlocked only after providing the authorization PIN.

[0157] 再次参考默认支付账户232设置,用户可以通过选择图形按钮236更新该偏好设置,图形按钮236可以使得用户进入屏幕258。 [0157] Referring again to the default payment account 232 is provided, the user preferences may be updated by selecting the graphic button 236, button 236 may cause the graphical user enters the screen 258. 屏幕258可以显示可被选作支付账户的当前存储在设备上的所有账户的列表。 258 screen can display a list of all the accounts can be selected as the payment account currently stored on the device. 在示出的实施例中,账户列表可被组织为以标号沈0、沈2 和264指定的种类。 In the illustrated embodiment, the list may be organized into account the numeral 0 Shen, Shen 2 and type 264 specified. 可以理解,这可以类似于参考图5A在屏幕120上描述的账户列表。 It will be appreciated that this may be similar to the account list on the screen with reference to FIG 5A 120 described above. 列表260可以对应于当前存储在设备10上的信用卡账户的列表。 List 260 may correspond to a current listing of credit card accounts stored on the device 10. 如列表260所示,显示在前一个屏幕230上的信用卡账户232可被指示为是当前选择的默认支付账户。 As shown in list 260, a screen 230 displayed on the front of the credit card account 232 may be indicated as a currently selected default payment account. 此处,用户可以具有选择列出的其它账户之一作为默认支付账户的选项。 Here, the user can have one of the other accounts listed as an option to select the default payment account. 另外,如果用户不希望配置默认支付账户设置,用户可以选择图形按钮沈6。 In addition, if the user does not want to configure the default payment account settings, the user can select the button graphic sink 6. 例如,通过选择图形按钮沈6,在每次使用设备10进行支付时,交易应用34可以提示用户选择支付账户。 For example, by selecting the graphic button 6 Shen, each time you use the device 10 payment, the transaction application 34 may prompt the user to select the payment account.

[0158] 在当前实施例中,用户可以选择在图5A和5B中输入的信用卡账户180。 [0158] In the present embodiment, the user may select a credit card account input 180 in FIGS. 5A and 5B. 例如,用户可以通过选择信用卡账户180在屏幕258上的大体位置而选择信用卡账户180。 For example, the user can choose a credit card account card account 180 by selecting the general location on the screen 180 258. 此后,对以前选择的默认支付账户(例如,信用卡账户23¾的选择可被取消,并且信用卡账户180 可被在屏幕258上指示为是当前选择的默认支付账户。接着,用户可以选择图形按钮118, 以便返回屏幕230,屏幕230可被更新以便将信用卡账户180显示为新选择的默认支付账户。 Thereafter, the default payment account previously selected (e.g., credit card account selected 23¾ can be canceled, and the card account 180 may be indicated as a currently selected default payment account on the screen 258. Next, the user may select a graphical button 118, in order to return to the screen 230, the screen 230 can be updated to the credit card account to pay 180 displays the default account for new options.

[0159] 现在继续到图8,该图示出了另外的屏幕图像,其中用户可以选择默认存入账户。 [0159] Continuing now to FIG. 8, which shows a further screen image, into which the user can select the default account. 如图所示,用户可以选择屏幕230上的图形按钮238,以便访问屏幕270。 As shown, the user may select a button on the screen graphics 230,238, 270 in order to access the screen. 屏幕270可以显示可被选择作为存入账户的当前存储在设备上的所有账户的列表。 Screen 270 may be displayed may be selected as the account into a list of all the accounts are currently stored on the device. 例如,屏幕270可以显示银行账户列表262和非现金账户列表沈4。 For example, the screen 270 can display a list of 262 bank accounts and non-cash accounts list Shen 4. 然而,屏幕270可以忽略上面参考图7的屏幕258讨论的信用卡账户的列表沈0,这是由于信用卡账户一般不被用作接受支付积分或存款的媒介。 However, the screen 270 may ignore the list of credit card accounts screen 7 258 discussed above with reference to FIG Shen 0, which is due to a credit card account is not generally accepted as a medium of payment credits or deposits.

[0160] 如列表262所示,显示在前一个屏幕230上的银行账户234可被指示为是当前选择的默认存入账户。 [0160] As shown in list 262, a screen 230 displayed on the front bank account 234 may be indicated as a currently selected default into account. 相应地,用户可以具有选择屏幕230上列出的其它账户之一作为默认存入账户的选项。 Accordingly, a user may have one of the other accounts listed on the selection screen 230 as the default option into account. 作为例子,用户可以选择在图6A和6B中输入的银行账户216。 As an example, a user may select a bank account input 216 in FIGS. 6A and 6B. 例如,用户可以通过选择银行账户216在屏幕270上的大体位置而选择银行账户216。 For example, the user can select a bank account by selecting a bank account 216 216 generally positions on the screen 270. 此后,对以前选择的默认存入账户234的选择可被取消,并且银行账户216可在屏幕270上被指示为是当前选择的默认存入账户。 Thereafter, the previously selected default choice into account 234 can be canceled, and the bank account 216 may be indicated on the screen 270 is currently selected default into account. 接着,用户可以选择图形按钮118,以便返回屏幕230,屏幕230 可以更新以便将银行账户216显示为新选择的默认存入账户。 Next, the user may select a graphical button 118 to return to the screen 230, the screen 230 may be updated to show the bank account into the account 216 for the newly selected default. 另外,如上面讨论的,如果用户不希望配置默认存入账户设置,而是更愿意在每次通过设备10接收支付时被提示选择存入账户,则用户可以选择图形按钮沈6。 In addition, as discussed above, if the user does not want to configure the default settings into account, but are more willing to pay each time it receives via the device 10 is prompted to select into account, the user can select graphical buttons sink 6.

[0161] 一旦用户以上面参考图7和8所述的方式配置了默认支付账户(例如,信用卡账户180)和默认存入账户(例如,银行账户216),用户可以继续配置屏幕230中的另外的偏好设置。 [0161] Once the user mode and the above with reference to FIG 78 configured with a default payment account (e.g., credit card account 180) and stored in the default accounts (e.g., bank account 216), the user can continue the configuration screen 230 additionally preferences. 例如,现在参考图9,示出了描绘出选择授权PIN的方法的多个屏幕图像。 For example, referring now to FIG. 9, there is shown a plurality of screen images depicting a method of selecting authorized PIN. 以屏幕230开始,用户可以选择图形按钮对4,以便访问屏幕观0。 Start in screen 230, the user may select a graphical buttons 4 to 0 Access screen concept. 屏幕280可以包括指示消息观2, 其一般指示用户选择具有一定数目的字符的所希望的授权PIN。 Screen 280 may include the concept indication message 2, the user selects the character which generally indicates a certain desired number of authorized PIN. 例如,在示出的实施例中, 设备10可配置为存储4位数字的PIN。 For example, in the embodiment illustrated, the device 10 may be configured to store four-digit PIN. 然而应当理解,其它实现可以使用具有任何希望长度的授权PIN。 However, it should be understood that other implementations may be authorized to use any desired length having a PIN.

[0162] 如屏幕280所示,用户可以借助数字键盘164在文本字段观4内输入所希望的PIN 2860另外,在设备10可以支持具有文本和数字字符两者的PIN码的实施例中,如上面讨论的,用户可以通过选择图形按钮166访问文本键盘160(图9中未示出)。 Example [0162] As shown in screen 280, the keypad 164 by the user may enter the desired concept within the text field 4 of the PIN 2860 Further, the device 10 may support the PIN code has both the text and numeric characters, as discussed above, the user may select a graphical button 166 to access the text keyboard 160 (not shown in FIG. 9). 一旦输入了所希望的PIN观6,用户可以通过选择图形按钮288确认输入的PIN观6,图形按钮288可以更新屏幕观0,以便显示指示用户在确认文本字段292中重新输入所选择的PIN 286的确认消息四0。 Once entered the desired PIN concept 6, the user may confirm the PIN concept entered by selecting the graphical button 2886, the graphical button 288 may update the screen concept 0, so that the display indicates that the user confirmation text field 292 to re-enter the selected PIN 286 the acknowledgment message 40. 从而,用户可以借助于数字键盘164在文本字段292中重新输入所选择的PIN 2860 Thus, the user can re-enter the PIN 164 by means of the selected text field 292, the numeric keypad 2860

[0163] 一旦PIN 286已被输入到文本字段四2中,用户可以通过选择图形按钮294完成授权PIN选择处理。 [0163] 286 Once the PIN has been entered into the text field four 2, the user may select the PIN 294 to complete the authorization process by selecting the graphic button. 如本领域技术人员理解的,在选择图形按钮294之后,设备10可以确定输入到文本字段284和四2中的授权PIN码是否是相同的。 As appreciated by those skilled in the art, after selecting the graphic button 294, device 10 may determine whether a text input field 284 and four PIN code 2 is the same authorization. 如果输入到文本字段284和292的PIN码由于错误的用户输入或出于任何其它原因不匹配,则可以通知用户不匹配(图9未示出),并且可以要求用户再次在文本字段观4和292中的每一个内重新输入PIN 2860 如果确定输入的PIN相同,则PIN 286可被存储在设备10上以用作授权PIN码,以便提供下面更详细讨论的关于交易应用34的各个方面的附加安全特征。 If the input to the text field 284 and 292 due to wrong PIN code does not match a user input or for any other reason, the user may be notified not match (not shown in FIG. 9), and the user may be asked again in a text field and 4 Views 292 2860 if re-enter the same PIN input PIN, the PIN 286 may be stored on the various aspects of the transaction application 34 in the device 10 to function as a PIN code authorization, discussed in more detail below to provide additional determined in each security features. 此后,一旦授权PIN 286 被确认并且存储在设备10内,用户可以返回到更新的屏幕230,其中图形按钮M4被以图形按钮298取代,图形按钮298对应于用户可以用之编辑或修改当前存储的授权PIN码286 的功能。 Thereafter, once authorized PIN 286 is confirmed and stored in the device 10, the user can return to update the screen 230, wherein the graphical button M4 is a graphical button substituted 298, a graphic button 298 corresponding to edit the user can use it, or to modify the currently stored 286 authorized PIN code function.

[0164] 除了给用户提供选择和存储授权PIN码286的功能之外,设备10的用户偏好设置还可以附加地提供锁定或禁止交易应用34的功能,从而在交易应用34被锁定时,阻止设备接收、发送或处理交易请求。 [0164] In addition to providing the user to select and store authorization functions other than the PIN code 286, user preferences, device 10 may also be additionally provide a locking function or the transaction application 34 is prohibited, so that when the transaction application 34 is locked, prevents the device receive, transmit or process the transaction request. 例如,一旦被用户锁定,在一个实施例中,交易应用34可以保持在锁定或禁止状态,直到输入了用户在图9中存储的授权PIN码286为止。 For example, once the user is locked, in one embodiment, trading application 34 may be maintained in a locked or disabled state until the user inputs the PIN code authorization in the storage 286 of FIG. 9 is reached. 参考图IOA 和10B,可以更好地理解关于锁定和随后解锁交易应用的这些技术。 Referring to FIG. IOA and 10B, these technologies can be better understood on the lock and then unlock the trading application.

[0165] 首先参考图10A,如上面讨论的,屏幕230可以显示用于交易应用34的许可设置246的当前状态的指示,其当前可以指出交易应用34处于解锁状态。 [0165] Referring first to Figure 10A, as discussed above, the screen 230 may display the transaction application 34 is provided to indicate the current status of the license 246, which may indicate that the current transaction application 34 is in an unlocked state. 为了锁定交易应用34, 用户可选择图形按钮M8以便访问屏幕304。 In order to lock the 34 trading application, users can choose to access the graphical button M8 screen 304. 如屏幕304所示,可以显示通知消息306,通常是通知用户如果交易应用34被锁定,设备10将不能接收或发送交易请求。 As shown in the screen 304, can display a notification message 306, typically notify the user if the transaction application 34 is locked, the device 10 can not receive or send transaction request. 如果用户选择锁定交易应用34,用户可以通过选择屏幕304上的图形按钮308这样做。 If you choose to lock the transaction application 34, the user can graphically select button on the screen 304,308 to do so. 如图IOA所示, 对图形按钮308的选择将锁定交易应用34,并且使得用户返回屏幕230,屏幕230可被更新以便指示许可设置246当前处于锁定状态。 FIG IOA, the selection of the graphical button 308 to lock the transaction application 34, and enables the user to return the screen 230, the screen 230 may be updated to indicate permission setting 246 currently locked. 应当注意,在更新的屏幕230上,图形按钮248 可被图形按钮312取代,当图形按钮312随后被选择时,其可以表示允许用户解锁交易应用34的功能。 It should be noted that, in the update screen 230, button 248 may be substituted graphic pattern button 312, when graphical button 312 is then selected, which may represent transactions allows users to unlock the application function 34. 另外,如果在屏幕304处用户决定不锁定交易应用34,用户可以选择图形按钮310,从而返回前一个屏幕230,这里,交易应用的许可设置246被指示为处于解锁。 Further, if the decision is not locked at the transaction application 34 user screen 304, the user may select a graphical button 310, a screen 230 to return the front, where the license transaction application is indicated as 246 is provided in an unlocked.

[0166] 现在继续到图10B,如果用户在图IOA中选择锁定交易应用34,用户可以选择屏幕230上的图形按钮312。 [0166] Continuing now to to Figure 10B, if the user selects to lock IOA FIG transaction application 34, the user may select a button on the screen graphics 230,312. 在选择图形按钮312之后,用户可以进入屏幕318,屏幕318可以显示通知消息320、字段322和图形按钮324。 After selecting the graphic button 312, the user can enter the screen 318, the screen 318 may display a notification message 320, button 324, and graphics field 322. 通知消息320可以指示用户输入在图9中选择的授权PIN 2680如此处示出的,可以提供数字键盘164以便在文本字段322中输入授权PIN 2680 一旦输入了授权PIN沈8,用户可以通过选择图形按钮3M确认解锁请求,这可以使用户返回屏幕230,其中许可设置246被更新以反映出交易应用34再次处于解锁状态,从而重新允许使用设备10接收和发送交易请求的功能。 Notification message 320 may indicate a user input in FIG. 9 selected authorized PIN 2680 As shown herein, it is possible to provide a numeric keypad 164 to the text field 322 to enter an authorization PIN 2680 once entered authorization PIN sink 8, the user may select a graphical 3M unlock request confirmation button, which allows the user to return to the screen 230, 246 is provided in which the license updated to reflect the transaction application 34 is in an unlocked state again, thereby allowing re-use of the transaction function device 10 receiving and transmitting the request. 另外,应当注意,如上所述,图形按钮312可被图形按钮248取代。 Further, it should be noted that, as described above, graphical button 312 may be substituted with a graphic button 248.

[0167] 已经描述了关于可以在设备10上执行的交易应用34的各个方面的配置,图IlA 从收款人的角度示出了总的以标号3¾表示的发起并随后处理交易的方法。 [0167] Having described the transaction on the device 10 may be performed on the various aspects of the configuration application 34, FIG IlA from a payee's perspective of initiating shown generally at reference numeral denotes 3¾ method and subsequent processing of transactions. 类似地,图IlB 示出了方法360,方法360从付款人的角度描述接收交易请求和响应于交易请求进行支付的后续动作。 Similarly, FIG. IlB illustrates a method 360, the method 360 is described in response to receiving a transaction request and subsequent operation in the payment transaction request from a payer's perspective. 应当理解,在某些情况下,方法3¾和360可以至少部分地并发发生。 It should be understood that, in some cases, and methods 3¾ 360 may occur at least partially concurrently.

[0168] 以图IlA开始,方法3¾可以步骤332的费用清单确定开始。 [0168] beginning with FIG IlA, 3¾ can cost method of inventory step 332 determines the start. 应当理解,术语“费用清单(invoice),,可以指支付请求的一般项目,其可以包括请求支付的数目、进行请求的收款人的身份、以及描述关于为什么请求支付的性质或原因的附加信息。一旦在步骤332 确定了费用清单的项目,如步骤334所示,费用清单信息可被传输给付款人。作为例子,方法328中所述的费用清单信息的传输可以对应于上面参考图4讨论的支付请求信息94从收款人设备10到付款人设备10的传送。 It should be understood that the term "cost list (invoice) ,, may refer to general payment request of the project, which may include the number of request for payment, requesting the identity of the recipient and a description of why the request for additional information regarding the nature or reasons for the payment of the upon determining at step 332 a list of cost items, as shown in step cost inventory information 334 may be transmitted to the payer. as an example of a transmission, the method according to the cost of inventory information 328 may correspond to 4 discussed above with reference to FIG. 94 payment request information transmitting device 10 to the recipient device 10 from the payer.

[0169] 此后,如步骤336所示,收款人可以等待从付款人传输表示支付账户的信息。 [0169] Thereafter, as shown in step 336, the payee may wait for a payment account information indicating a transmission from the payer. 如上面讨论的,来自付款人的接收支付信息可以指示对步骤334的所请求支付的确认和接受。 As discussed above, the payer receives the payment information from the payment confirmation may indicate the request in step 334 and receiving. 在接收到来自付款人的支付信息之后,在步骤338收款人可以在设备10上选择收款人希望付入或存入所请求的支付的存入账户。 After receiving the payment information from the payor, the payee may be selected at step 338 on the device 10 or stored into the recipient wish to pay the requested payment into account. 例如,如上面讨论的,如上面参考图6A和6B所述, 存入账户可被自动选择为用户指定的默认存入账户216,和/或可由用户手工选择。 For example, as discussed above, as described above with reference to FIGS. 6A and 6B, the deposit account may be automatically selected for the user specified default 216 into account, and / or manually selected by the user.

[0170] 接着,在步骤332确定的支付请求信息、在步骤336从付款人接收的支付信息和步骤338中所选择的存入账户(它们可被总地称为“交易信息”)可被传输到一个或多个适合的金融服务器100,以便证实和处理所请求的交易。 [0170] Next, at step 332 the determined payment request information, payment information in step 336 and step 338 received from the selected payer into account (which may be collectively referred to as "transaction information") may be transmitted into one or more suitable financial server 100, and the process in order to confirm the requested transaction. 例如,如上所述,可以向其传输交易信息的金融服务器100的类型可以取决于付款人和收款人分别选择的支付账户和存入账户的类型。 For example, as noted above, may be dependent on the type of payment accounts and deposit accounts of the payer and the payee are selected to which type of financial transaction information transmission server 100.

[0171] 可以在判断步骤340处理交易信息,以便确定所请求的交易是否可被授权。 [0171] 340 may process the transaction information determination step, to determine whether the requested transaction can be authorized. 如果在步骤340确定金融服务器100不能授权支付账户和存入账户中的一个或多个执行请求的交易,方法3¾可以进入判断步骤342,从而可以提示收款人重新协商当前交易的项目。 If at step 340 determines that the financial server 100 can not authorize payment accounts and deposit accounts in one or more transactions to perform the requested method 3¾ may enter judgment step 342, which can prompt the payee to renegotiate the project is currently trading. 作为例子,如果收款人希望重新协商交易项目,收款人可以返回步骤336以便从付款人接收替换的支付账户,或可以返回步骤338以便选择替换的存入账户。 As an example, if the recipient want to renegotiate trade program, the recipient may return to step 336 in order to receive payment accounts from the replacement of the payer, or may return to step 338 to select an alternative deposit account. 应当理解,关于返回步骤336还是338的判断可以取决于为什么交易信息不能在判断步骤340通过验证或授权的原因。 It will be appreciated, on return to step 336 or 338 may depend on the judgment reason why the transaction information can not be determined at step 340 by the authentication or authorization. 例如,如果授权处理由于在步骤336接收到的支付账户的资金或信用额度不足,则收款人可以请求付款人提供具有足够资金或信用额度或其它的替换的支付账户,以便满足所请求的支付数目。 For example, if the authorization process due to insufficient funds or credit limit at step 336 receives the payment account, the recipient may request the payer payment account has sufficient funds or credit or other alternative, in order to meet the requested payment number. 在该情况下,方法3¾可以从判断步骤342回到步骤336。 In this case, method 342 may return to step 336 3¾ from the determination step.

[0172] 可替换地,可能发生判断步骤340处的授权失败是由于支付账户和存入账户之间不兼容的情况。 [0172] Alternatively, it may be determined at step 340 failed authorization occur due to deposit and payment account incompatibility between accounts situation. 作为例子,在所选择的支付账户是信用卡账户并且所选择的存入账户是未被授权或配置为接收从信用卡账户进行的支付的银行账户时,可能发生这种类型的交易失败。 As an example, the selected payment account is a credit card account and the selected deposit account is not authorized or is configured for receiving bank account payments made from the credit card account, this type of transaction failure may occur. 因此,该方法可以从判断步骤342返回步骤338,其中可以提示收款人选择替换的被授权接收来自所选择的支付账户的支付的存入账户,或返回步骤336,从而收款人可以请求付款人选择替换的支付账户,诸如与收款人所选择的存入账户兼容的银行账户。 Thus, the method may return from decision step 342 step 338, wherein the payee may be prompted to select the replacement is authorized to receive payment from the payment account of the selected account stored in, or returns to step 336, so that the recipient may request payment people choose alternative payment account, such as the payee of the selected bank account into account compatible. 可替换地,收款人可以选择不在步骤342处重新协商交易项目,并且因此在步骤344处取消当前交易。 Alternatively, the recipient may choose not to renegotiate the deal at step 342 project, and therefore cancel the current transaction at step 344.

[0173] 现在返回判断步骤340,如果确定就支付账户和存入账户而言可以授权所请求的交易,则在步骤346,如以标号指示的,对应于所请求的支付数目的支付可被付入或存入在步骤338选择的存入账户。 [0173] Returning now to decision step 340, if it is determined in terms of the payment account and credited the account can authorize the requested transaction, then at step 346, as indicated by reference numeral, the number corresponding to the requested payment can be paid payment or deposit into the deposit account selected in step 338. 一旦收款人在步骤346接收到了支付,交易可以在步骤348完成。 In step 346, once the recipient has received the payment, the transaction can be completed in step 348. 此后,在步骤350,可由收款人通过付款人设备20直接地或在收款人授权下通过一个金融服务器100间接地向付款人传输支付收据。 Thereafter, at step 350, by the payee or payer device 20 directly under a payee financial authorization server 100 is indirectly transmitted via a payment receipt to the payer. 例如,收款人可以授权在成功完成交易之后, 将电子收据,诸如图4的收据104,从一个或多个金融服务器100传输到付款人设备92。 For example, the payee may authorize the transaction after the successful completion of the electronic receipts such as the receipt 1044 of FIG, transmitted from one or more financial server 100 to the payer device 92.

[0174] 现在继续到图11B,借助方法360从付款人的角度描述图IlA从收款人角度一般描述的交易。 [0174] Continuing now to 11B, the transaction by means of the method 360 of FIG IlA from a payee's perspective is described generally described from the perspective of the payer. 以步骤364开始,付款人可以从收款人接收支付请求。 Begins with step 364, it may receive a payment request from payer payee. 例如,步骤364的支付请求的接收可以对应于方法3¾的步骤334的费用清单信息的传输。 For example, the payment request receiving step 364 may correspond to a method 3¾ step 334 transmission costs in inventory information. 在接收到支付请求之后, 方法360可以进入步骤366,其中付款人可以从存储在付款人设备92上的一个或多个可用支付账户中选择支付账户。 After receiving the payment request, the method 360 may proceed to step 366, where the payer can select a payment account from a payer device 92 is stored on one or more available payment account. 如同图5A和5B中描述的对设备10上的默认支付账户180的选择,付款人设备可以结合有类似特征。 180 Selection of the default payment account on the device 10 as described in FIGS. 5A and 5B, the payer device may incorporate similar features. 一旦选择了支付账户,该方法可以继续到步骤366, 其中将所选择的支付账户传输到收款人。 Upon selection of the payment account, the method may proceed to step 366, in which the transmission of the selected payment account to the payee. 如上面讨论的,在一个实施例中,可以通过收款人设备10和付款人设备92之间的NFC连接完成支付请求和支付账户信息的传输。 As discussed above, in one embodiment, may be connected to complete the transmission of the payment request and the payment account information over the NFC 92 between the payee device and the payer device 10. 一旦收款人接收到表示付款人选择的支付账户的信息,收款人可以选择存入账户(例如,方法3¾的步骤338),并且将交易信息提供给一个或多个金融服务器100以便处理。 Upon receiving the information indicating the payee of the payment account selected in the payer, payee may be selected into account (e.g., the method of 3¾ step 338), and is provided to one or more financial transaction information server 100 for processing.

[0175] 在判断步骤368,进行关于交易是否成功完成的确定。 [0175] In the determination step 368, a determination is made whether the transaction completed successfully. 如果交易未完成,诸如出于一个或多个上面讨论的原因,则如步骤370所示,付款人账户不被支取。 If the transaction is not completed, such as for one or more of the above discussed reasons, then, as shown in step 370, the payer account is not withdraw. 可替换地,如果在判断步骤368确定金融服务器授权该交易,并且交易被成功完成,则在步骤372从付款人指定的支付账户支取或收取所请求的支付数目。 Alternatively, if it is determined the financial server is determined at step 368 authorizes the transaction, and the transaction is successfully completed, then in step 372 the specified withdrawal from the payer's payment account number or receive payment requested. 此后,如步骤374所示,付款人可以接收指出已经从支付账户向收款人进行了支付的收据。 Thereafter, as shown in step 374, the payer can receive has been pointed out that receipts from the payment to the payee payment account. 例如,在方法360的步骤374接收的收据可以对应于在上述方法328的步骤350传输的收据。 For example, at step 374 of the method 360 may correspond to the received invoice receipt of the above method the step of transmitting 328 350.

[0176] 现在继续本讨论,图12A-12C示出了表示根据当前描述的技术,可以在收款人设备10和付款人设备92之间执行的各种交易的示意图。 [0176] Continuing now with the present discussion, FIGS. 12A-12C shows a schematic representation of the presently described technology, a variety of transactions may be performed between the devices 10 and 92 payee payer device. 一般地,以图12A-C示出的实施例给出了如下面更详细解释的,可以借助NFC搭接(tap)操作在两个具有NFC功能的设备之间发起的交易的若干情况。 Generally, in FIGS. 12A-C embodiment illustrated embodiment shows in more detail a number of cases as explained below, may overlap by NFC (TAP) operation between two NFC-enabled devices to initiate transactions. 例如,图12A示出了响应于由收款人设备10提供的支付请求, 借助于存储在付款人设备92上的信用卡账户进行支付。 For example, FIG. 12A shows the response to the payment request by the recipient device 10, carried out by means of a credit card account stored on the device 92 payer paid. 图12B和12C示出了付款人选择银行账户作为支付账户的别的实施例。 12B and 12C illustrate the payor bank account as a payment account selected in other embodiments. 具体地,图12B示出了由不同的银行业务提供商维持所选择的支付账户和存入账户的情况,而图12C示出了由相同的银行业务提供商维持所选择的支付账户和存入账户的情况。 In particular, FIG. 12B shows a case payment account and credited to the account maintained by different service providers to the selected bank, and FIG. 12C shows the same bank maintained by the service provider to the selected payment account and credited accounts of the situation.

[0177] 以图12A开始,交易375可以包括收款人设备10、付款人设备92以及一个或多个金融服务器100,在本实施例中,金融服务器100可以包括银行服务器380和信用卡验证服务器382。 [0177] In Start 12A, the transaction device 375 may include 10 payee, payer device 92 and one or more financial server 100, in the present embodiment, the financial server 100 may include a credit card bank server 380 and authentication server 382 . 为了发起交易375,收款人设备10可以首先向付款人设备92传输支付请求384。 In order to initiate a transaction 375, the recipient device 10 may first request 384 to 92 pay payer transfer device. 如上面讨论的,支付请求384可以包括所请求支付的数目、收款人身份以及关于支付请求的性质或原因的附加信息。 As discussed above, the payment request may include additional information 384 requested payment amount, and the nature or identity of the payee about the cause of the payment request. 如上所述,收款人设备10和付款人设备92都可以是具有NFC功能的设备。 As described above, the payee and the payer device 10 device 92 may be an NFC-enabled device. 因此,支付请求信息384可通过借助以标号386示出的“搭接”设备或执行“搭接操作”建立NFC连接388,而从收款人设备10传输到付款人设备92。 Thus, the payment request message 384 by means of reference numeral 386 shown in "overlap" device or perform "overlap operation" NFC connection is established 388, the recipient device 10 transmitted from the device 92 to the payer.

[0178] 如此处使用的,术语“搭接”和“搭接操作”等应当被理解为意指将一个具有NFC功能的设备放置在一个或多个其它具有NFC功能的设备附近从而可以在这些设备之间建立基于NFC的连接的动作。 [0178] As used herein, the term "overlapping" and "overlapped operation" and the like should be understood to mean a device having the NFC functionality is placed in the vicinity of one or a plurality of other NFC enabled devices so that these can be establishing a connection based on the operation between the NFC devices. 如上面讨论的,一种用于建立基于NFC的连接的技术可以是通过磁场感应,由此作为主机设备的第一具有NFC功能的设备产生RF场,该RF场又使得位于第二设备内的NFC设备从被动状态转变为主动状态,从而建立NFC连接。 As discussed above, a method for establishing connections based NFC technology may be induced by a magnetic field, thereby generating an RF field as a first device having a NFC functionality of a host device, such that the RF field and positioned within the second device NFC device to transition from a passive state to an active state, in order to establish an NFC connection. 一旦被建立,可以借助NFC连接在设备之间交换信息。 Once established, the NFC connection means can exchange information between devices.

[0179] 简要参考图13,示出了NFC搭接操作386的示意图。 [0179] Referring briefly to FIG. 13, there is shown a schematic view of lap 386 NFC operation. 例如,在启动NFC连接388之前,付款人设备92可以处于以标号390表示的被动或“NFC唤醒”模式。 For example, before starting the NFC connection 388, the payer device 92 may be in a passive or reference numeral 390 denotes a "NFC wake-up" mode. 当在被动状态时, 可被包括在设备92内的NFC设备46和NFC接口60可以保持为非激活,直到NFC接口60 检测到来自外部设备——诸如收款人设备10——的NFC传输。 When the passive state, may be included in the NFC device 46 and the NFC interface 60 in the device 92 may remain inactive until the NFC interface 60 from the external device is detected - such as the NFC transmission of the payee device 10--. 作为例子,一旦操作收款人设备10以便传输支付请求384,位于收款人设备10内的NFC接口60和相应的NFC设备46 可以转变到以标号392表示的主动或主机模式。 As an example, once the operating device 10 in order to transmit the payee payment request 384, the recipient device 10 is located in the NFC interface 60 and the respective NFC device 46 or host computer may transition to an active mode indicated by reference numeral 392. 当处于主机模式392中时,收款人设备10 的NFC设备46可以周期地发射NFC通信信号,以便寻找位于有助于NFC连接的适当范围内的具有其各自NFC接口60和NFC设备46的其它具有NFC功能的设备。 When in master mode 392, the NFC device 10, payee device 46 may periodically transmit NFC communication signals, in order to find each other having the NFC interface 60 located within the appropriate range contributes to the NFC connection and a NFC device 46 a device with NFC capabilities.

[0180] 例如,当收款人设备10和付款人设备92被放置在便于建立NFC连接的适当范围内(例如,搭接操作386)时,连接的建立可以从此处以标号396表示的启动握手开始。 [0180] For example, when the payer and the payee device 10 is placed within the device 92 to facilitate the appropriate range NFC connection is established (e.g., overlapping operation 386), to establish a connection may be imposed from start reference numeral 396 denotes the start of the handshake . 应当理解,在搭接设备时,重要的是每个相应设备内的NFC设备46被定位为使得相应NFC设备46之间的距离适合于建立基于NFC的连接。 It should be appreciated that, when the connection device, the NFC device is important that each respective device 46 is positioned such that the distance between the respective NFC device 46 suitable for establishing a connection based on NFC. 例如,如果付款人设备92是相对大的非便携设备,收款人需要将收款人设备10放置为使得收款人设备10内的NFC设备46处于付款人设备92内的任何对应NFC电路的适当距离内,以便建立NFC连接388。 For example, if the payer device 92 is relatively large non-portable device, the recipient needs to be such that the recipient device 10 placed in the NFC device 10 corresponding to the NFC circuit 46 is any device 92 in the payer device payee within a reasonable distance, to establish NFC connection 388.

[0181] 在收款人设备10的NFC接口60和NFC设备46工作在主机模式时,收款人设备10 可以周期地发射查验(Ping)消息400。 [0181] In the payee device 10 and the NFC interface 60, NFC device 46 operates in master mode, the recipient device 10 may periodically transmit the identification (Ping) message 400. 付款人设备92的相应NFC接口60可以接收查验消息400,从而使得位于付款人设备92内的NFC设备46在检测到NFC传输之后被唤醒(例如,NFC唤醒),由此如以标号398指示的,从被动模式转变到主动模式。 NFC interface 60 corresponding to the payer device 92 may be received ping message 400, so that the NFC device 92 is located within the payer device 46 wakes up after the NFC transmissions (e.g., wake NFC), whereby as indicated by reference numeral 398 transition from passive mode to active mode. 因此,一旦被加电并且激活,付款人设备92的NFC设备46可以通过发送确认消息402以作为响应于查验消息400的应答,确认消息402可通过收款人设备10的NFC接口60被接收,从而完成启动握手396。 Thus, once powered on and activated, the payer device 46 of the NFC device 92 can confirm by sending a message 402 as a response to the ping response message 400, acknowledgment message 402 may be received by the NFC interface 60 of the recipient device 10, thus completing the startup handshake 396.

[0182] 在启动握手396之后,如以标号404指示的,收款人设备10和付款人设备92可以交换设备简档(profile)。 [0182] After starting the handshake 396, as indicated by reference numeral 404, the payer and the payee device 10 device 92 may exchange device profiles (profile). 设备简档404可以包括关于在收款人设备10和付款人设备92 上可用的功能的各种信息。 Device profile 404 may include information regarding various functions available on the payer and the payee device 10 of the apparatus 92. 例如,设备简档404可由任何适合形式的数据消息来表示,包括可扩展标记语言(XML),其可以表示设备名称、序列号、所有者名称、设备类型以及任何其它类型的标识信息。 For example, device profile 404 may be any suitable form of data messages represented, including extensible markup language (the XML), which may represent a device name, serial number, owner name, device type, and any other type of identifying information. 例如,附加标识信息可以包括例如服务提供商(诸如,可以与设备10和92中的每一个相关联的网络或蜂窝电话服务提供商)的名称。 For example, additional identification information may include, for example, a service provider (such as devices 10 and 92 may be associated with each of the network or cellular telephone service providers) name. 通过指示哪些应用、驱动程序或服务可以安装在各个设备上,设备简档404还可以包括关于收款人设备10和付款人设备92的能力的信息。 By indicating which applications, drivers, or services may be installed on each device, device profile 404 may also include information about the capabilities payer and the payee device 10 of the apparatus 92.

[0183] 另外,收款人设备10和付款人设备92还可以交换关于每个设备上可用的加密能力的信息,如标号406所示。 [0183] Further, the payer and the payee device 10 device 92 may also exchange information about the encryption capabilities available on each device, as indicated by reference numeral 406. 如上面讨论的,由于此处讨论的各种交易可能总是涉及诸如关于信用卡账户和银行账户的信息等敏感信息的传输,所以可以执行使用一种或多种加密措施,以便保护在收款人设备10和付款人设备92之间传输的以及被传输到一个或多个金融服务器100的交易信息。 As discussed above, due to the various transactions discussed here may always involves transmission, such as credit card and account information and other sensitive information about bank accounts, it can be performed using one or more encryption, to protect the payee transmitted between the device 10 and 92 is transmitted to the payer device, and one or more financial transaction information server 100. 因此,一旦建立了NFC连接388,并且交换了设备简档404和加密能力406,就可以在设备10和92之间交换信息,如标号408所示的。 Thus, once the NFC connection is established 388, and the exchange of device profiles 404, and encryption capability 406, can exchange information between devices 10 and 92, as shown at 408.

[0184] 现在返回图12A,数据传输408可以包括借助建立的NFC连接388从收款人设备10向付款人设备92传输支付请求信息384。 [0184] Returning now to Figure 12A, the data transmission means 408 may include establishing a connection NFC device 388 from the recipient device 92 10384 payer to transfer payment request information. 接着,在接收到支付请求信息384之后,付款人响应可以通过选择存储在付款人设备92上的支付账户而继续交易过程。 Next, after receiving a payment request message 384, the payer response may continue the transaction by payment account selection process stored on the device 92 of the payer. 在示出的实施例中,选择的支付账户是信用卡账户。 In the illustrated embodiment, the selected payment account is a credit card account. 付款人设备92可以借助第二搭接操作412通过NFC 连接388向收款人设备10传输对应于选择的信用卡账户的信用卡信息410。 Payer device 92 can be connected by means of a second overlap operator 412 388 corresponding to the selected card information to the transmission apparatus 10 of the payee's credit card account 410 NFC. 可以理解,除了付款人设备92可以作为主机设备而收款人设备可以工作在“NFC唤醒”模式之外,可以与上面参考图13描述的搭接操作386相同的方式执行搭接操作412。 It will be appreciated, device 92 may be in addition to the payer and the payee device as a host device can operate in "NFC wake up" mode as well as 386 may be performed in the same manner overlapping with the overlapping operation 412 described above with reference to FIG 13 operates. 还应注意,在某些实施例中,如果维持设备10和92之间的距离,从而保持NFC连接388在数据传输期间激活,支付请求信息384和支付账户信息410的交换可以通过单个搭接操作(例如,386)发生。 It should also be noted that in some embodiments, if the distance between devices 10 and 92 is maintained, thereby maintaining an NFC connection 388 activated during the data transmission, information exchange 384 payment request and the payment account information 410 may overlap by a single operation (e.g., 386) occurs.

[0185] 在在收款人设备10上接收到信用卡信息410之后,如上面参考方法3¾讨论的(例如,步骤338),收款人可以选择存入所请求的支付的存入账户。 [0185] After receiving the credit card information 410 on a recipient device 10, as discussed above with reference to 3¾ method (e.g., step 338), the recipient may choose to pay a deposit account deposit requested. 一旦选择了存入账户,付款人的信用卡账户信息410、收款人的存入账户信息、以及支付请求信息384(总的以交易信息414表示)可借助此处以标号416示出的网络连接被传输到金融服务器380。 Once the credit card account information into account, the selected payer 410, into the payee's account information, and payment request information 384 (information indicating the total transaction 414) to the network can here by reference numeral 416 is shown connected transmitted to the financial server 380. 作为例子,如果选择的存入账户是银行账户,金融服务器380可以对应于维持存入账户的银行业务提供商。 As an example, if you select the deposit account is a bank account, the financial server 380 may correspond to maintain deposit accounts with the bank service providers. 另外,通过其传输交易信息414的网络416可以包括可由收款人设备10上可用的一种通信接口56(例如,WAN、LAN、WLAN等)提供的任何适合的网络。 Moreover, its transmission through the network 416 the transaction information 414 may include any suitable network may be available on the recipient apparatus 10 communication interface 56 (e.g., WAN, LAN, WLAN, etc.) provided. 例如,网络416 可以是借助WLAN接口58建立的无线互联网连接、通过LAN接口66建立的局域网连接、或借助WAN接口68建立的广域网连接,WAN接口68可以包括各种WAN移动通信协议之一,诸如通用分组无线业务(GPRQ连接、EDGE连接(增强数据率GSM演进连接)或3G连接(诸如根据上面讨论的IMT-2000标准的3G连接)。 For example, network 416 may be a WLAN via a wireless Internet connection established interface 58, LAN interface 66 connected through a local area network established via the WAN interface 68 or the WAN connection established, the WAN interface 68 may include one of various WAN mobile communication protocols, such as General packet radio service (GPRQ connection, EDGE connections (enhanced data rates for GSM Evolution connection) or 3G connection (such as a connection according to the IMT-2000 standard discussed above 3G).

[0186] 在接收到交易信息414之后,金融服务器380可以执行若干动作,以便进一步授权所请求的交易375。 [0186] After receiving the transaction information 414, the financial server 380 may perform several actions, in order to authorize the transaction 375 further requests. 例如,金融服务器380可以首先评估以交易信息414提供的账户,以便确定指定的支付账户和存入账户是否兼容。 For example, the financial server 380 may first evaluate the transaction information 414 to the account provided in order to determine whether the specified payment account and deposit accounts are compatible. 如上面讨论的,如果指定的存入账户未被授权接受来自信用卡账户的支付,金融服务器380可能不能处理所请求的交易375。 As discussed above, if the specified deposit account is not authorized to accept payments from credit card accounts, financial transaction processing server 380 may not be 375 requests. 接着,如果金融服务器380确定存入账户和支付账户兼容,金融服务器380可以进一步借助网络420 向信用卡验证服务器382传输以标号418表示的付款人的信用卡账户信息。 Then, if the financial server 380 determines deposit accounts and payment account is compatible with the financial server 380 can further through the network 420 to the authentication server 382 transfer credit card account information, credit card numbers to the payer 418 represented. 网络420可以是便于数据传输的任何类型的适合网络,包括上面根据用于最初向金融服务器380传输交易信息414的网络416描述的一种或多种网络类型。 Network 420 may be any type of network for facilitating data transmission, comprising one or more of the above described type of network 380 for initially transmitting transaction information to a financial server 414 of the network 416 in accordance with.

[0187] 一旦信用卡验证服务器382接收到付款人的信用卡账户信息418,可以执行以标号422表示的附加验证和授权步骤,以便验证提供的信用卡账户是有效的,并且具有足够的信用限额来履行所请求的支付。 [0187] Once the credit card credit card account information to the authentication server 382 receives the payer 418 may perform additional authentication and authorization steps represented by reference numeral 422, in order to verify that the credit card account is valid and has sufficient credit limit to fulfill the payment request. 因此,如果信用卡验证服务器382确定提供的信用卡信息418对应于具有足够信用额度以便执行所请求的支付384的有效信用卡账户,信用卡验证服务器382可以通过借助网络420向金融服务器380发送授权消息来授权所请求的支付。 Therefore, if the credit card authentication server 382 to determine the credit card information provided 418 corresponds to have enough credit to pay valid credit card account 384 to perform the requested credit card verification server 382 may be authorized by sending an authorization message to the financial server 380 through the network 420 payment request. 如以标号似4指示的,金融服务器380然后可以完成所请求的交易375的处理,其中向付款人的信用卡账户收取对应于所请求支付的数目,并且将收取的支付存入收款人选择的存入账户。 The reference numeral 4 indicates like, the financial server 380 may then complete the processing of the requested transaction 375, wherein the number corresponding to the request for payment of charge to the credit card account of the payer and the payee will be charged into the selected payment into account.

[0188] 此后,一旦在步骤似4成功处理和完成了交易,交易确认消息似6可借助网络416 传输到收款人设备10。 [0188] Thereafter, upon successfully processing steps like 4 and complete the transaction, the transaction acknowledgment message transmitted by the network may wish 6 416 10 to the payee device. 交易确认消息似6可以一般地向收款人指出所请求的支付384已经完成。 Trade confirmation messages like 6 can be generally pointed to the payee pay 384 requests have been completed. 另外,还可将支付收据4¾传输到付款人设备92。 In addition, a payment receipt may also be transmitted to the payer device 92 4¾. 支付收据4¾可通过上述的任何连接类型被传输到付款人设备92。 4¾ payment receipt may be transmitted to the payer device 92 by any of the above-described type of connection. 例如,支付收据4¾的传输可以通过网络430进行,网络430可以是借助收款人设备10和收款人设备92上可用的通用网络接口建立的任何类型的网络连接,诸如LAN连接(例如,接口66)、WLAN连接(例如,接口58)或WAN连接(例如, 接口68)。 For example, the transmission 4¾ payment receipt can be performed by a network 430, network 430 may be any type of network means available on the recipient device 92 and the recipient device 10 to establish common network interface connection, such as a LAN connection (e.g., an interface 66), WLAN connection (e.g., interface 58) or WAN connection (e.g., the interface 68). 另外,还可以通过将收款人设备10搭接到付款人设备92传输支付收据428。 Further, the payee can also take the device 10 to the transfer device 92 payer payment receipt 428. 以标号432示出的这种搭接操作可以建立另一个NFC连接434,从而提供可向付款人设备92 传输支付收据428的通道。 This overlap operation to reference numeral 432 shown may establish another NFC connection 434 to provide passage 428 to a payment receipt may be transmitted payer device 92.

[0189] 支付收据4¾可以包括诸如交易375的总支付数目、支付方法(例如,信用卡账户410)和处理交易375的时间等信息。 [0189] 4¾ payment receipt may include the total number of transactions such as payment 375, payment method (e.g., credit card account 410) and the transaction processing time information 375. 另外,在某些实施例中,支付收据似8可以指示与由设备10和92和金融服务器100(例如,包括银行服务器380和信用卡服务器38¾在执行交易375时共同提供的交易处理服务相关联的附加收费。因此,应当注意,根据本公开的另一方面,可以提供各种商业方法,其中向收款人和付款人之一或两者收取交易费用。可以针对每次处理交易请求收取费用,或可以是例如基于按月预订服务的固定费用。另外,可以达成在提供交易服务的一个或多个实体之间分配交易费用的协议,所述实体包括例如,银行业务提供商(例如,与金融服务器380相关联)、信用卡提供商(例如,与信用卡服务器382相关联)、或设备制造商(例如,设备10和92的制造商)。根据一个实施例,交易费用最初可由单个实体(例如,银行业务提供商)收集,并且以后按协议方式在其余实体之间分配( Further, in some embodiments, a payment receipt may be indicated by the 8-like apparatus 10 and 92 and the financial server 100 (e.g., including 380 and credit card transaction processing the transaction server 375, when executed 38¾ provided jointly therewith associated bank server additional charges. Therefore, it should be noted that, according to another aspect of the present disclosure, can provide a variety of business methods, which charge a transaction fee payer to the payee and one or both may request processing fee for each transaction, or may be, for example. in addition, the agreement may allocate transaction costs between one or more entities providing trading services based on a fixed monthly fee booking service, the entity include, for example, banking service providers (eg, financial server 380 is associated), credit card provider (e.g., the server 382 is associated with a credit card), or the device manufacturer (e.g., device manufacturers 10 and 92). according to one embodiment, the initial cost of the transaction by a single entity (e.g., banking service providers) to collect, and later by the distribution agreement between the remaining entity ( 如,信用卡提供商和设备制造商)。 For example, credit card providers and equipment manufacturers).

[0190] 现在继续图12B,示出并且以标号376总体指示表示根据当前描述的技术的交易的替换实施例的示意图。 [0190] Continuing now to Figure 12B, shown and generally indicated at reference numeral 376 represents a schematic diagram of alternative embodiment in accordance with the transaction presently described technology. 如上面讨论的,除了付款人选择的支付账户可以是银行账户而不是信用卡账户之外,交易376可以类似于在图12A中描述的交易375。 As discussed above, in addition to the payer's payment account may be selected outside a bank account rather than a credit card account, the transaction may be similar to 376 375 transactions described in FIG. 12A. 如上面讨论的,收款人设备10最初可以借助作为搭接操作386的结果建立的NFC连接388向付款人设备92传输支付请求384。 As discussed above, the recipient can use NFC device 10 as a result of the initial operation of the lap 386 of the request to establish a connection 388 to 92 384 payer payment transfer device. 在接收到支付请求384后,付款人可以选择存储在付款人设备92上的银行账户作为支付账户,并且使用NFC连接388将银行账户信息440传输到收款人设备10。 Upon receiving the payment request 384, the payer can select a bank account stored in the payer device 92 as a payment account, and uses NFC connection 388 to the bank account information 440 is transmitted to the recipient device 10.

[0191] 在在收款人设备10上接收到银行账户信息440之后,如上面讨论的,收款人可以选择存入账户,并且然后借助网络416向金融服务器380传输交易信息442,交易信息442 可以包括选择的支付账户(例如,440)、存入账户和支付请求信息384。 [0191] Upon receipt of the bank account information 440 on a recipient device 10, as discussed above, the payee may be selected into account, and then by means of the information network 416 to the server 380 transfer the financial transaction 442, transaction information 442 may include selecting a payment account (e.g., 440), into the account and payment 384 information requests. 如上面讨论的,金融服务器380——其可以对应于维持收款人选择的存入账户的银行业务提供商——可以启动一个或多个授权步骤,诸如确定指定的支付账户和存入账户是否兼容。 For example, the financial server discussed above 380-- which may correspond to maintain banking provider of choice into the payee's account - can initiate one or more authorization steps, such as determining whether the specified payment account and deposit account compatible. 金融服务器380然后可将以标号444表示的付款人的银行账户信息传输到与付款人的银行业务提供商相关联的第二金融服务器418。 Account information transmission payer's bank financial server 380 and 444 numbers will be represented to the payer's bank service providers associated with the second financial server 418. 换言之,当前交易376示出了由两个不同的银行业务提供商(例如,不同的金融机构)维持收款人和付款人选择的银行账户的情况。 In other words, the current transaction 376 shows a case of two different bank service providers (eg, different financial institutions) to maintain the payee and the payer's bank account selected.

[0192] 可以借助网络420完成银行账户信息444到金融服务器418的传输。 [0192] 444 can complete bank account information transmitted to the financial server 418 through the network 420. 一旦接收到银行账户信息444,金融服务器418可以确定账户是否是有效账户,以及该账户是否包含足够资金以满足所请求的支付384。 Upon receiving bank account information 444, the financial server 418 can determine whether the account is a valid account, and the account contains sufficient funds to meet the requested payment 384. 如果金融服务器418确定可以针对银行账户444授权支付请求384,可以通过网络420向金融服务器380传输授权消息。 If the financial server 418 can determine the payment authorization request 384 may be authorized to transfer financial messaging server 380 via the network 420 against 444 bank accounts. 如上面讨论的,金融服务器380然后可以完成所请求交易376的处理(如标号448所示),其中从付款人的银行账户中支取对应于所请求支付的数目,并且随后存入收款人的存入账户。 As discussed above, the financial server 380 may then complete the requested transaction handler 376 (shown as reference numeral 448), wherein the withdrawal from the payer's bank account number corresponding to the request for payment, and then stored in a payee into account.

[0193] 此后,一旦交易已被成功处理,交易确认消息450可借助网络416被传输到收款人设备10。 [0193] Thereafter, once the transaction has been successfully processed, the transaction confirmation message 450 may be transmitted through the network 416 to the recipient device 10. 交易确认消息450 —般可以向收款人指出已向存入账户应用了所请求的支付384, 从而完成交易376。 Transaction confirmation message 450-- like to point out to the payee may deposit account application has requested a payment of 384, 376 in order to complete the transaction. 另外,如上面讨论的,还可以使用一个或各种可用的网络连接向付款人设备92传输支付收据428。 Further, as discussed above, it may also be used a variety of available network or payment receipt 428 is connected to the transmission device 92 payer.

[0194] 现在参考图12C,示出并且以标号378总体指示表示根据另一个实施例的交易的另一个示意图。 [0194] Referring now to Figure 12C, shown and generally indicated at reference numeral 378 shows another example of a schematic view of another embodiment in accordance with the transaction. 具体地,图12C示出了一种交易过程,其可以类似于参考图12B描述的交易376,但是其中支付账户和存入账户是由相同的银行业务提供商维持的银行账户。 In particular, FIG. 12C shows a transaction, which may be similar to the transaction 376 with reference to FIG. 12B described but wherein a payment account and credited the account are maintained by the same bank service provider bank account. 如下面更详细讨论的,在本实施例中,以图4中的标号100表示的一个或多个金融服务器可以仅需要单个金融服务器380。 As discussed in more detail below, in the present embodiment, the one or more financial server in FIG. 4 to reference numeral 100 may be represented by only a single financial server 380.

[0195] 为了启动交易过程378,收款人设备10可以类似于上面根据图12A和12B描述的方式向付款人设备92传输支付请求384。 [0195] To initiate the transaction process 378, the recipient device 10 may be similar to the above request 384 to the payer payment transfer device 92 according to FIGS. 12A and 12B described embodiment. 例如,可以通过将收款人设备10搭接386到付款人设备92,从而建立用于数据传输的NFC连接388,来完成支付请求384的传输。 For example, the device 10 may be overlapped by the payee 386 to the payer device 92 to establish a connection for data transmission NFC 388, 384 to complete the transfer of the payment request. 一旦接收到支付请求384,付款人可以选择一个银行账户作为支付账户。 Upon receiving the payment request 384, the payer can select a bank account as a payment account. 此后,付款人设备92可以借助NFC连接388向收款人设备10传输关于所选择的银行账户的银行信息458。 Thereafter, the payer device 92 can be connected by means of NFC 10 388 to transmit the payee information about the selected device bank 458 bank account.

[0196] 在从付款人设备92接收到银行信息458之后,收款人可以选择要存入所请求的支付384的存入账户。 [0196] After receiving the device 92 from a payer 458 information to the bank, the payee may be selected to be stored into the requested payment account 384. 如上所述,在当前示出的情况中,选择的存入账户和提供的支付账户458(此处统称为交易信息460)两者可以是由相同的银行业务提供商维持的账户。 As described above, in the case of current shows, select the deposit accounts and payment accounts provided by 458 (referred to here as transaction information 460) both can be maintained by the same bank account service providers. 因此,然后可以借助网络416向金融服务器380传输交易信息460,金融服务器380可以与支付账户和存入账户两者共同的银行业务提供商相关联。 So, then 416 can make use of the information network to transmit financial transaction server 380 460, the financial server 380 can both joint bank accounts associated with payment service providers and deposit accounts.

[0197] 金融服务器380然后可以执行验证提供的账户的有效性、以及确定支付账户是否包含足以履行支付请求384的资金的步骤。 The effectiveness of [0197] the financial server 380 may then be performed to verify the account provided, as well as payment accounts to determine whether sufficient steps to fulfill the payment request included 384 funds. 应当注意,不同于图12A和12B所述的实施例, 由于共同的银行业务提供商维持这些账户,金融服务器380不需要向第二个外部服务器(诸如图12A的信用卡验证服务器382和图12B的第二金融服务器418)传输账户信息。 It should be noted that, unlike the embodiment of FIGS. 12A and 12B is, since the common banking service providers maintain these accounts, the financial server 380 does not need a second external server (such as a credit verification server 382 of FIG. 12A and FIG. 12B The second financial server 418) transmit account information. 因此,由金融服务器380存储并且可以访问关于存入账户和选择的支付账户458的信息。 Therefore, the financial server 380 can store and access information on selected deposit accounts and payment account 458. 因此,一旦金融服务器380已经验证了存入账户和支付账户都是有效的,并且支付账户包含足以履行支付请求384的资金,金融服务器380就可以处理交易(如标号464所示),从而如上面讨论的,从付款人的银行账户支取所请求的支付,并且随后存入收款人的存入账户。 Therefore, once the financial server 380 has verified deposit accounts and payment account is valid, and payment account contains sufficient funds to fulfill the payment request 384, the financial server 380 can process the transaction (as indicated at 464 as shown), so as above , the requested withdrawal from the payer's bank account to pay discussion, and then deposited into the payee's account. 在完成交易378之后,交易确认消息466可借助网络416从金融服务器380传输到收款人设备10。 After completion of the transaction 378, the transaction acknowledgment message 466 may be transmitted through the network 416 from the financial server 380 to the recipient device 10. 另外,可以使用上述可用的网络连接向付款人设备92传输支付收据428。 In addition, a payment receipt 428 may be connected to the transmission device 92 using the payer available network.

[0198] 已经给出了分别根据图12A、12B和12C所示的交易375、376和378描述的设备对设备交易(例如,在付款人设备92和收款人设备10之间)的各种实施例,在图14A-14J中进一步借助可被显示在收款人设备10或付款人设备92上的各种屏幕图像并且通过示意图示示出了用于操作收款人设备10和付款人设备92以便完成前述的交易375、376和378的各种技术。 [0198] The description has been given in FIG. 12A (e.g., device 92 between the payer and payee device 10) are various, 12B, and 12C shown transactions 375, 376 and 378 of the apparatus described transaction apparatus embodiment, further means may be displayed in various screen images on the payee or payer device 10 in the apparatus 92 in FIGS. 14A-14J and by a schematic diagram illustrating a device 92 for operating the payer and the payee device 10 in order to complete the aforementioned transaction 375, 376 and 378 of the various technologies. 另外,应当注意,在当前示出的实施例中,收款人设备10和付款人设备92都是具有NFC功能的设备。 Further, it should be noted that, in the embodiment illustrated in the current embodiment, the payee and the payer device 92. device 10 is a device having NFC capabilities.

[0199] 首先参考图14A,示出了收款人可以操作设备10以便传输支付请求的处理。 [0199] Referring first to Figure 14A, shows the processing apparatus 10 in order to transmit the payee payment request may operate. 这些屏幕图像示出的动作可一般地对应于图IlA所示的方法328的步骤332,以及上面讨论的支付请求信息384到付款人设备92的传输。 These screen images shown may generally correspond to the operation of the method shown in FIG step 328 IlA 332, discussed above and payment request information 384 to the transmission apparatus 92 of the payer. 另外,可以从收款人的角度执行此处示出的动作,并且从而这些屏幕中示出的动作被描述为由收款人执行。 Further, the operation may be performed here shown from the perspective of the recipient, and thus the operation screens shown are described as being performed payee.

[0200] 如当前附图所示,处理可以从屏幕110开始,如上面讨论的,屏幕110可以表示交易应用34的“主屏幕”。 [0200] As shown in the present illustration, the process may start from the screen 110, as discussed above, the screen 110 may represent the transaction application 34 "main screen." 从屏幕110,收款人可以选择图形按钮114,这可以使得收款人进入屏幕476。 From the screen 110, the payee may select a graphical button 114, which may cause the screen 476 to enter the payee. 屏幕476可以显示多个图形按钮478,480和482。 476 screen can display multiple graphical buttons 478, 480 and 482. 这些图形按钮中的每一个可以表示当被收款人选择时可以执行的特定功能。 Each of these graphic buttons may represent a specific function can be selected when the payee is performed. 例如,在示出的实施例中,图形按钮478可以表示用户可用其发起支付请求的功能。 For example, in the illustrated embodiment, the graphical button 478 may represent a function available to the user which initiates the payment request. 图形按钮480可以表示用户可用其向另一个设备发送支付的功能。 Graphical button 480 may represent functions available to the user to send payments to other equipment. 另外,图形按钮482可以允许用户发起两个或更多个其它方之间的交易。 In addition, the graphical button 482 may allow the user to initiate a transaction between two or more other parties. 下面将更详细地描述后两个图形按钮480和482表示的功能。 Two graphical buttons 480 and 482 represent a function described later in more detail below.

[0201] 为了发起支付请求,收款人可以选择图形按钮478,这可以使得收款人进入屏幕484。 [0201] In order to initiate a payment request, the recipient can choose the graphical button 478, which may enable the recipient to enter the screen 484. 类似于屏幕476,屏幕484也可以显示多个图形按钮486,488和490,它们中的每一个可以表示特定功能。 Screen 476 is similar to the screen 484 can also display a plurality of graphical buttons 486, 488 and 490, each of which may represent a specific function. 如此处所示,图形按钮486可以表示收款人可用于使用NFC设备46发起支付请求的功能。 As shown here, the recipient may represent graphical button 486 using the NFC device 46 may be used to initiate functions of the payment request. 该功能一般可对应于上面根据交易375、376和378描述的技术。 This feature may generally correspond to the transactions 375, 376 and 378 according to the techniques described above. 另外, 图形按钮488和490可以表示设备10上可用的附加功能,可以通过这些功能发起交易,并且将在下面更详细地描述。 Further, graphical buttons 488 and 490 may represent the additional features available on the device 10, these functions may be initiated by the transaction, and will be described in more detail below. [0202] 通过选择图形按钮486,收款人可以进入屏幕492。 [0202] By selecting the graphic button 486, the recipient can enter the screen 492. 如图14A所示,屏幕492可以包括文本字段496、498和500,收款人可以使用它们输入关于支付请求的信息。 As shown, screen 492 14A may include text fields 496, 498 and 500, the recipient can use to enter information about the payment request. 例如,文本字段496可用于输入收款人身份,文本字段498可用于指定要求支付的数目,并且文本字段500可以允许收款人包括关于请求的支付的性质或原因的描述消息。 For example, a text input field 496 may be used to identity the recipient, the text field 498 may be used to specify the number required to pay, and a text field 500 may include a description message allows the payee or nature of the reason for payment on request. 如屏幕492所示,可以借助文本键盘160或数字键盘164(例如,通过选择图形按钮16¾在文本字段496、498和500内输入所需信息。一旦在文本字段496、498和500内输入了所需信息,收款人可通过选择图形按钮504将输入的信息以支付请求(例如,384)的形式传输给付款人设备92。 As shown in screen 492, a keyboard 160 can use text or numeric keypad 164 (e.g., 16¾ information required in the text input field 496, 498 and 500 within the button by selecting the pattern. Once the text fields 496, 498 and 500 of the input desired information, payee information pattern by selecting button 504 to input payment request (e.g., 384) in the form of a transmission device 92 to the payer.

[0203] 如上所述,图形按钮504表示的功能可以对应于执行给收款人设备10的NFC设备46加电的指令,从而将设备10置于NFC主动模式,并且激活NFC接口60。 [0203] As described above, the function button 504 the graphical representation may correspond to a power of 46 to perform the NFC device 10 payee device instructions to the NFC device 10 in the active mode, the NFC interface 60 and activate. 例如,现在参考图14B,在选择图形按钮504之后,可以在收款人设备10上显示屏幕508。 For example, referring now to FIG. 14B, after selecting the graphic button 504, a screen 508 may be displayed on the recipient apparatus 10. 屏幕508可以包括通知消息510,指出收款人设备10的NFC接口60当前被激活,并且能够与外部设备建立NFC连接,以便传输在屏幕492内输入的支付请求信息。 Screen 508 may include a notification message 510 indicating the NFC interface 60 of the recipient device 10 is currently activated, and to establish connection with the external NFC device, in order to transmit the payment request information input screen 492. 相应地,通知消息510还可以指示收款人将收款人设备10搭接(例如,386)到第二设备,诸如付款人设备92,以便建立NFC 连接。 Accordingly, the notification message 510 may also indicate the payee to the payee device 10 overlapping (e.g., 386) to the second device, such as a payer device 92, in order to establish an NFC connection.

[0204] 简要参考图14C,示出了借助搭接操作386建立两个设备,即,收款人设备10和付款人设备92,之间的NFC连接388。 [0204] Referring briefly to FIG. 14C, shows a means of overlapping two devices establish operation 386, i.e., between the NFC 92, the payer and payee device 10 connected to the device 388. 如上面讨论的,收款人设备10的NFC设备46可被在选择图14A所示的图形按钮504之后加电,从而如以标号392指示的,将设备10置于主机模式或主动模式,其中如上面参考图13讨论的,主动设备10可以周期地发射NFC传输查验消息400。 As discussed above, the NFC device 10, payee device 46 may be powered after the pattern selection button 504 illustrated in FIGS. 14A, so as to indicate the reference numeral 392, the device 10 in the host mode or active mode, wherein as discussed above with reference to FIG. 13, the active device 10 may periodically transmit a ping message 400 NFC transmission. 当主动设备10被置于距离当前可处于以标号390所示的被动或NFC唤醒模式的付款人设备92可接受的距离514(例如,2-4cm)内时,付款人设备92可以从被动模式转变到主动模式,其中付款人设备92内的NFC设备46加电,从而使能付款人设备92的相应NFC 接口60,并且提供收款人设备10和付款人设备92之间的NFC连接388的建立,通过该NFC 连接388可以传输支付请求。 When the active device 10 is disposed within the distance may be in the current shown at reference numeral 390, or passive NFC device 92 payer awake mode 514 an acceptable distance (e.g., 2-4cm), from payer device 92 may be a passive mode transition to the active mode, the NFC device wherein the power payer device 9246, the NFC interface 60 so that the corresponding device 92 can payer and payee 92 provided between the NFC devices 10 and devices connected payer 388 establishment, connection 388 may transmit a payment request through the NFC.

[0205] 虽然以类似于收款人设备10的便携设备示出图14C所示的付款人设备92,应当理解,在替换实施例中,付款人设备92还可以包括非便携设备,诸如个人计算机、计算工作站、支付终端等。 [0205] Although the portable device 10 is similar to the payee device shown payer device 14C shown in FIG. 92, it will be appreciated that, in alternative embodiments, the payer device 92 may further include a non-portable device, such as a personal computer calculating a workstation, a payment terminal and the like. 例如,现在参考图14D,示出了NFC连接的建立,其中收款人设备10被搭接到以标号515示出的非便携台式计算机。 For example, referring now to FIG. 14D, it shows the NFC connection is established, wherein the recipient device 10 is landed on a non-portable desktop computer illustrated at reference numeral 515. 因此,应当理解,本公开的实施例旨在提供任何适合类型的电子设备之间的交易发起和处理,不论电子设备是便携的还是非便携的。 Accordingly, it should be understood that the present disclosure of embodiments aim to provide transaction processing between initiating and any suitable type of electronic device, whether the electronic device is a portable or non-portable.

[0206] 返回图14B,一旦收款人设备10被搭接386到付款人设备92,付款人设备92可以检测到从收款人设备10发射的NFC传输(例如,查验消息400),并且从被动模式转变到主动模式,由此付款人设备92的相应NFC设备46加电。 [0206] Back 14B, the apparatus 10 is overlapped upon the payee 386 to the payer device 92, the payer NFC device 92 can detect the transmission device 10 transmitted from the recipient (e.g., ping message 400), and from passive mode transition to the active mode, thereby powering the respective payer device 46 of the NFC device 92. 如图14B所示,一旦设备10和92已被搭接,并且检测到从收款人设备10发射的NFC传输,就可以在付款人设备92上显示屏幕516。 As shown in FIG. 14B, once the device 10 and 92 have been overlapped, the payee and the NFC transmission apparatus 10 emitted from the screen 516 can be displayed on the payer device 92. 屏幕516可以包括通知消息518,其通知付款人已经检测到NFC传输,并且作为响应, 付款人设备92的相应NFC设备46加电,并且相应NFC接口60被激活。 Screen 516 may include a notification message 518 that informs the payer NFC transmission has been detected, and in response, the NFC device 92 corresponding to the payer device 46 is powered on, and accordingly the NFC interface 60 is activated. 通知屏幕516还可以提供图形按钮520,如果图形按钮520被选择,付款人可以通过它取消NFC连接过程。 The notification screen 516 may also provide a graphical button 520, button 520 is selected if the pattern payer may cancel the procedure by which the NFC connection.

[0207] 如果在付款人设备92上允许NFC连接388的建立,则可以更新显示在收款人设备10上的屏幕508以便显示通知消息522。 [0207] If the NFC enabled connection is established 388 in the payer device 92 may be updated on the display screen 508 to the recipient device 10 displays a notification message 522. 通知消息522可以指出已经在收款人设备10和付款人设备92之间建立了NFC连接(例如,388),并且通过NFC连接388,收款人在图14A 的屏幕492上指定的支付请求信息正被传输到付款人设备92。 Notification message 522 may indicate that the recipient has been established between the device 10 and the NFC connection payer device 92 (e.g., 388), and is connected via NFC 388, the payee specified on the screen 492 of FIG. 14A payment request information It is transmitted to the payer device 92. 屏幕508还可以包括图形按钮512,通过图形按钮512,用户具有在支付请求信息传输之前或在传输期间取消支付请求的选项。 Screen 508 may also include a graphics button 512, through a graphics button 512, the user has the option before transmission of the payment request message to cancel the payment request or during transmission.

[0208] 同时,显示在付款人设备92上的通知屏幕516可被类似地更新以便显示通知消息524。 [0208] Meanwhile, the notification screen 516 displayed on the payer device 92 may be similarly updated to display the notification message 524. 通知消息5¾可以向付款人指出,已经在付款人设备92和收款人设备10之间建立了NFC连接388,并且支付请求信息当前正被从收款人设备10传输,并且借助付款人设备92 内的相应NFC接口60被接收。 5¾ notification message may indicate to the payer, an NFC connection 388 has been established, and payment request information currently being transmitted from the recipient device 10 between the payer and payee device 10 device 92 and the device 92 by means of the payer the respective NFC interface 60 is received.

[0209] 可以理解,图14B所述的收款人设备10和付款人设备92之间的交互可以一般对应于图IlA和IlB分别所示的方法3¾和360中给出的一个或多个步骤。 [0209] It will be appreciated, the apparatus of FIG. 14B payee 10 and the interaction between the payer device 92 may generally correspond to one or more steps of the method shown in FIG IlA and IlB are given in 3¾ and 360 . 例如,屏幕508 中所示的动作可以表示向付款人传输费用清单的步骤334。 For example, the operation screen shown in step 508 may represent a list of transfer charges to the payer 334. 简要参考根据当前实施例更详细地示出了方法328的各个步骤的图15A,如以步骤530所示,向付款人传输支付请求信息的步骤(例如,步骤334)可以包括诸如借助搭接操作386建立NFC连接。 Referring briefly accordance with step (e.g., step 334) in more detail, this embodiment illustrates a method 328 of FIG. 15A each step, as shown in the step to request transmission of payment information to the payer 530 may include information such as by means of overlapping operations 386 NFC connection is established. 另外,如以步骤532所示,步骤334的执行还可以包括使用建立的NFC连接将在屏幕492中输入的支付请求信息传输给付款人设备92。 Further, as shown in step 532, step 334 is performed using NFC may further include a connection establishment request information to the payer device 92 in the payment screen 492 entered. 另外,可在检测到来自收款人设备10的NFC传输之后显示在付款人设备92上的屏幕516可以表示方法360中接收支付请求的步骤364。 Further, may be displayed after the NFC device 10 is transmitted from the recipient on the screen 516 in the payer device 92 may represent a payment request step 360 in the method 364 received. 例如,现在参考图15B,可以根据当前示出的实施例更详细地描述步骤364。 For example, referring now to 15B, the step 364 may be described in more detail according to embodiments shown in the current embodiment. 例如,根据当前实施例,如步骤534所示,接收支付请求的步骤364可以包括借助搭接操作加入NFC连接的动作。 For example, according to the present embodiment, as shown in step 534, step 364 receives the payment request may include an action is added by overlapping the operation of the NFC connection. 另外,一旦建立了NFC连接,如步骤536所示,付款人设备92可以使用NFC连接接收从收款人设备10传输的支付请求信息。 Further, once the NFC connection is established, as shown in step 536, the payer can use the NFC device 92 receives the connection request information transmitted from the payee payment device 10.

[0210] 如上所述,具体地参考图12A-C,付款人响应于从收款人设备10接收的支付请求384,可以在付款人设备92上选择适当的支付方法。 [0210] As described above, particularly with reference to FIGS. 12A-C, in response to a request 384 from the payer payment device 10 receives the payee, the payment method can be appropriately selected in the payer device 92. 例如,所选择的支付账户可以包括信用卡账户(例如,410)、相对于与收款人的存入账户相关联的银行业务提供商由另一不同的银行业务提供商提供的银行账户(例如,440)、或银行账户(例如,458),其中银行业务提供商还管理收款人的存入账户。 For example, the selected payment account may include credit card account (eg, 410), with respect to bank accounts and bank deposit account service provider associated with the recipient provided by a different bank service providers (for example, 440), or bank account (for example, 458), which also manages the banking provider the payee's deposit account. 如以图14E-14G所示,可由可被显示在付款人设备92上的各种屏幕图像示出对这些各种类型的支付账户的选择。 As shown in FIG. 14E-14G, by various screen images may be displayed on the payer device 92 illustrating selection of these various types of payment accounts.

[0211] 首先参考图14E,一旦付款人设备接收到支付请求信息,可以更新屏幕516以便显示支付请求的细节M0,其可以一般地反映出收款人在图14A的屏幕492上的字段496、498 和500中输入的信息。 [0211] Referring first to FIG. 14E, the payer device upon receiving the payment request message 516 may update the screen to show details of M0 payment request, which may be generally reflect the payee field 496 on the screen 492 of FIG. 14A, 498 and 500 input information. 另外,屏幕516可以包括图形按钮542和M4,用户可以分别通过图形按钮542和544接受或拒绝支付请求。 Further, the screen 516 may include graphical buttons 542 and M4, respectively, the user can accept or reject the payment request through the graphical buttons 542 and 544. 如图14E所示,如果付款人选择图形按钮M2,付款人可以进入屏幕M6。 As shown in FIG. 14E, if the selected graphic button payer M2, the payer can enter the screen M6. 屏幕546可以列出某些或部分接收到的支付请求信息。 Screen 546 may list some or part of the received payment request information. 例如,屏幕546显示收款人身份550和所请求的支付数目552。 For example, the display screen 546 550 payable to the name and number of payments 552 requests. 如以标号548指示的,屏幕546还可以显示关于付款人身份的信息。 As indicated by reference numeral 548, the screen 546 may also display information about the identity of the payer. 在示出的图中,付款人身份信息548可以包括付款人名称,以及标识该付款人的相关联的电子邮件地址。 In the illustrated figures, the payer's identity information 548 may include a payer name, and email address identifies the associated payer. 因此,显示的电子邮件地址可被传输给收款人设备10,并且被交易过程使用,诸如,以便发送上述的支付收据428。 Thus, e-mail addresses displayed may be transmitted to the payee device 10, and the transaction process is used, such as, for transmitting the payment receipt 428.

[0212] 屏幕546还可以显示当前选择的支付账户554。 [0212] 546 screen can also display the currently selected payment account 554. 如此处示出的,当前选择的支付方法M4可以是可能已被付款人诸如通过使用上面参考图7描述的一个或多个技术选择的默认或偏好的支付方法。 As shown herein, the currently selected payment method M4 may be the default payment method or preferences of one or more techniques may have been selected as described above with reference to the payer by use of Fig. 另外,屏幕546可以包括图形按钮558、560和562。 In addition, the screen 546 may include a graphic button 558, 560 and 562. 图形按钮558可以表示付款人可用于使用默认的支付账户5M启动支付信息的传输的功能。 Graphical button 558 may be used to indicate the payer's payment account to use the default 5M-start transmission of payment information. 图形按钮560 可以表示用户可用于选择另一种支付方法的另一个功能。 Graphical button 560 may be used to represent the user to select another function of another payment method. 因此如果付款人更喜欢使用账户554之外的账户作为当前交易中的支付账户,付款人可以通过选择图形按钮560这样做。 So if the payer prefer to use an account other than the account 554 as the current account payment transaction, the payer 560 can do so by selecting the graphic button. 另外,通过选择图形按钮562,付款人可以具有取消交易的选项。 In addition, by selecting the graphic button 562, the payer may have the option to cancel the transaction.

[0213] 如果付款人决定选择当前选择的默认支付账户5M之外的支付账户,付款人可以选择图形按钮560以便访问屏幕566。 [0213] If you decide to choose the payer payment account other than the default payment account 5M currently selected, the payer may select a graphic button 560 to access the screen 566. 屏幕566可以显示表示账户种类的多个图形按钮570,572,574,576和578。 Display screen 566 may represent multiple types of accounts graphical buttons 570,572,574,576 and 578. 在某些实施例中,诸如当前示出的实施例,以按钮570,572,574, 576和578表示的每个种类还可被再分为附加的子种类。 In certain embodiments, such as the current embodiment illustrated embodiment, a button to 570,572,574, 576 and 578 represented by each species it can also be subdivided into additional sub-types. 作为例子,选择以图形按钮570表示的信用卡账户种类可以使得付款人进入屏幕580,屏幕580可以显示图形按钮584,586, 588,590和592,这些图形按钮表示可由付款人选择的信用卡账户类型的各种子种类。 By way of example, to select the type of credit card accounts may be represented by a graphic button 570 enters the screen 580 such that the payor, the screen 580 may display a graphical buttons 584, 586, 588, 590 and 592, these buttons may be represented by a graphical selection payer credit card account type various sub-categories. 再次参考图5A的屏幕146,以图形按钮584,586,588,590和592表示的信用卡账户的信用卡账户子种类可以对应于在下拉字段154中提供的一个或多个信用卡种类。 Referring again to FIG screen 146 5A, the sub-category card account to credit card account and 592 represent graphical buttons 584,586,588,590 may correspond to one or more credit card type field 154 provided in the drop-down. 另外,通过选择图形按钮594,付款人还可以具有观看当前存储在付款人设备92上的所有可用信用卡账户的选项。 In addition, by selecting the graphic button 594, the payer may also have the option of viewing all the available credit card account currently stored on the payer device 92.

[0214] 付款人还可以选择在进行支付账户选择之前观看所有可用的支付账户(例如,不仅仅局限于信用卡账户)。 [0214] payer can also choose to view all the available payment account before making payment account selection (for example, not limited to credit card account). 例如,通过选择屏幕580上的图形按钮118,付款人可以返回前一个屏幕566。 For example, by selecting a graphic on-screen buttons 580,118, a front screen 566 can return payer. 在屏幕566,付款人可以选择图形按钮578,以便访问存储在付款人设备92 上的可选择支付账户的列表,该列表可由屏幕598提供。 In the screen 566, the payer 578 can select graphical button in order to access the list of selectable payment accounts stored on the payer device 92, the list screen 598 may be provided. 在示出的实施例中,屏幕598可以按种类显示所有当前存储且可用的支付账户的列表。 In the illustrated embodiment, the screen 598 may display a list of all currently available payment account and stored by type. 例如,如上面一般所述,可以根据信用卡账户600、银行账户602以及附加账户604(包括非现金iTunes®账户)来对可用的支付账户分组。 For example, as generally described above, may be grouped according to the available payment account credit card accounts 600, 602, and additional bank accounts 604 accounts (including non-cash account iTunes®).

[0215] 如屏幕598上的存储的信用卡账户列表600所示,可用的信用卡账户可以包括当前选择的默认支付账户554,以及替换的信用卡账户602。 [0215] The memory card account list 600 on the screen 598, the available credit card accounts 554 may include a default payment account currently selected, as well as an alternative credit card account 602. 因此,如屏幕598所示,如果付款人不希望使用默认支付账户5M提供所请求的支付384,付款人可以选择替换的信用卡账户602作为支付账户。 Thus, as shown in the screen 598, if the payer does not want to use the default payment account 5M 384 provides the requested payment, the payer can alternatively select the credit card account as payment account 602. 在选择了替换的信用卡账户602之后,付款人可以返回屏幕M6,屏幕546可被更新以指出信用卡账户602被选择为当前交易的支付账户。 After selecting the replacement of 602 credit card account, the payer may return to the screen M6, screen 546 may be updated to indicate the credit card account to pay 602 is selected as the current account transactions. 另外,更新的屏幕546可以显示图形按钮606,其可以取代以前显示的图形按钮558。 Further, the screen 546 may display the updated graphical buttons 606, 558 which may be substituted with the previously displayed graphical button. 图形按钮606可以表示付款人可用于发起向收款人设备10发送信用卡账户信息602的功能。 Graphical button 606 may be used to initiate the function represented by the payer transmits credit card account information 602 of the device 10 to a payee.

[0216] 可替换地,付款人可以选择列出的信用卡账户600之外的账户作为所选择的支付账户。 [0216] Alternatively, the payer can choose a credit card account account listed as 600 other than the selected payment account. 例如,用户可以选择列表603中的银行账户或列表604中的非现金账户。 For example, the user can select a list of 603 non-cash account in a bank account or a list of 604. 现在参考图14F和14G所示的屏幕图像,这些图像示出了付款人可以选择银行账户作为支付账户的方法。 Referring now to FIGS. 14F and 14G shown in the screen image, these images show the payer can select a bank account as a method of payment accounts. 具体地,图14F示出了对银行账户的选择,其中诸如在图12B的交易376中描述的, 由不同银行业务提供商维持选择的银行账户和收款人的存入账户。 In particular, FIG 14F shows the selection of a bank account, wherein the transaction 376, such as depicted in FIG. 12B, different banks maintained by the selected service provider and the payee's bank account into the account. 图14G示出了付款人对银行账户的选择,并且可以对应于以图12C示出的交易378,其中由相同银行业务提供商维持选择的支付账户和收款人的存入账户。 FIG 14G shows a selection of the payer's bank account, and may correspond to the transaction 378 shown in FIG. 12C, in which the payment account and the payee maintained selected from the same bank account into the service provider.

[0217] 如图14F所示,通过如上面讨论的首先选择屏幕516上的图形按钮M2,并且然后选择屏幕546上的图形按钮560,付款人可以导航到屏幕566。 [0217] FIG. 14F, as discussed above, by first selecting the graphical on-screen button 516 M2, and then selecting the graphic button 560 on the screen 546, the screen 566 can navigate to the payer. 在屏幕M6,不是如上面讨论的选择图形按钮570或578,付款人可以选择图形按钮572以便访问屏幕610,屏幕610可以显示可被用作支付账户的存储在付款人设备92上的银行账户列表603。 M6 screen, selecting the graphic button as discussed above is not 578 or 570, the payer may select button 572 to access the graphics screen 610, screen 610 may display a list of bank accounts it may be used as the storage device 92 on the payer payment account 603. 如本实施例所示,付款人可以选择银行账户612。 As shown in this embodiment, the payer 612 can select a bank account. 此后,付款人可以返回更新了的屏幕M6,其可以反映出银行账户612被选择作为当前交易的支付账户。 Since then, the payer can return the updated screen M6, which reflects a bank account to pay 612 is selected as the current account transactions. 应当注意,如上面参考图8中的屏幕270 讨论的,银行账户612与这样的银行业务提供商(例如,Wells Fargo®)相关联:该银行业务提供商可不同于与收款人选择的默认存入账户216相关联的银行业务提供商(例如, Wachovia®)。 It should be noted that, as the screen 8 in the above discussed with reference to FIG. 270, the bank account 612 with such a bank service provider (e.g., Wells Fargo®) is associated with: the bank service provider may be different from the default selected payee 216 deposit accounts associated with bank service providers (eg, Wachovia®). 因此,如上面参考图12B解释的,根据以图14F的屏幕示出的动作的交易的授权和处理可能需要发生与各自相应银行业务提供商相关联的不同金融服务器(例如, 金融服务器380和418)之间的通信。 Thus, as explained above with reference to FIG. 12B, in accordance with authorization and transaction processing to the screen of FIG. 14F shows the operation of the bank may need to occur a respective service provider associated with a different financial server (e.g., financial server 380, and 418 ) between communication.

[0218] 图14G类似地示出了付款人对银行账户的选择,诸如以图12C的交易378所示, 该银行账户可以与收款人的存入账户共享共同的银行业务提供商。 [0218] FIG 14G shows a similar selection of the payer's bank account, such as in the transaction shown in FIG. 12C, the bank account may share a common banking account provider 378 and stored in the payee. 以屏幕516开始,付款人可以按下列顺序选择:图形按钮542以便导航到屏幕M6,图形按钮560以便导航到屏幕566,图形按钮572以便访问屏幕610上的银行账户列表603。 Start in screen 516, the payer may be selected in the following order: graphical button 542 to navigate to the screen M6, graphical button 560 to navigate to the screen 566, a graphical button 572 to access bank accounts on the list screen 610 603. 此处,不同于选择银行账户612,付款人可以选择银行账户614。 Here, unlike the choice of bank account 612, the payer can choose to bank accounts 614. 应当注意,银行账户614和收款人的默认存入账户216 与相同银行业务提供商相关联(例如,Wachovia®)。 It should be noted that the default bank account into the account of the payee 614 and 216 associated with the same bank service providers (eg, Wachovia®). 因此,在选择银行账户614之后, 付款人可以返回屏幕M6,屏幕M6可被更新以便反映选择了银行账户614作为当前交易的支付账户。 Therefore, after choosing a bank account 614, the payer may return to the screen M6, M6 screen can be updated to reflect the selected bank account as payment for 614 current account transactions. 另外,如上面参考图12C讨论的,可由单个金融服务器(例如,380)授权并且处理根据图14G的屏幕所示的动作的交易。 Further, as described above with reference to FIG, 12C discussed by a single financial server (e.g., 380) and authorizing the transaction in accordance with the processing operation shown in FIG. 14G screen.

[0219] 如上面讨论的,诸如收款人设备10或付款人设备92等设备可以包括一个或多个安全特征,诸如对授权PIN码(诸如上面在图9中描述的PIN 286)的使用。 [0219] As discussed above, such as payee or payer device 10 may include devices such as device 92 one or more security features, such as the use of authorized PIN code (such as described above in FIG. 9 PIN 286) a. 应当理解,使用授权PIN码可以防止从付款人设备92或收款人设备10进行未授权支付。 It should be understood that the use authorization PIN code against unauthorized payments from payer or payee device 92 device 10. 作为例子,付款人可以配置设备(例如,通过一个或多个用户偏好设置),从而必须提供授权PIN码以授权从付款人设备92发送和传输支付信息。 As an example, the payer device can be configured (e.g., via one or more user preferences), which must provide a PIN to authorize payment authorization information from the transmission 92 and transmits the payer device.

[0220] 现在继续到图14H,如屏幕546上所示,一旦选择了支付方法,诸如替换的信用卡账户602,付款人可以通过选择图形按钮606继续支付。 [0220] Continuing now to FIG. 14H, as shown on the screen 546, once selected payment method, such as an alternative credit card account 602, the payer can pay by selecting the pattern continue button 606. 此后,屏幕620可被显示在付款人设备92上,并且可以包括指示消息622,其指示用户必须输入授权PIN码以便完成交易。 Thereafter, the screen 620 may be displayed on the payer device 92, and may include an indication message 622, indicating that the user must enter the PIN code authorization to complete the transaction. 因此,付款人可以借助数字键盘164在文本字段626内输入正确的授权PIN码624。 Thus, the payer can enter the correct PIN code authorization 624 626 in the text field 164 by means of the numeric keypad. 如上面讨论的,应当理解,设备可以支持使用字母数字授权PIN码。 As should be understood that discussed above, the device may support the use of alphanumeric authorization PIN. 在这些实施例中,通过选择图形按钮166,用户可以在数字键盘164和文本输入键盘160(图14H中未示出)之间切换。 In these embodiments, the 166, the user may input keyboard 160 (not shown in FIG. 14H) is switched by selecting the graphic button between the keypad 164 and text. 另外,虽然就图14E中的信用卡账户602的选择,在图14H中示出了使用授权PIN码624,应当理解,还可以就图14F和14G所示的实施例实施授权PIN码624,其中选择的支付方法是银行账户,也可以使用可在付款人设备92上选择的任何其它类型的支付方法。 Further, although the choice of credit card accounts 602 of FIG. 14E, FIG. 14H shows the use authorization PIN code 624, it will be appreciated that the authorization may also be implemented PIN code 624 for Example 14F and FIG. 14G, wherein selecting the method of payment is a bank account, may also be any other type of payment method selection device 92 on the payer.

[0221 ] 一旦输入了正确的授权PIN码624,用户可以通过选择图形按钮6¾授权并且向收款人设备10发送支付信息。 [0221] Once the correct authorization PIN code 624, the user may select a graphical button 6¾ authorization and transmits the payment information to the payee device 10. 在选择图形按钮6¾之后,可以在付款人设备92上显示屏幕630,并且可以指出(如以标号632表示的),付款人设备92的NFC设备46已被加电,从而激活相应NFC接口60并将付款人设备92置于主动或主机模式,如上面讨论的那样。 After selecting the graphical button 6¾, screen 630 may be displayed on the payer device 92, and may indicate (e.g., indicated by reference numeral 632), the payer device 46 of the NFC device 92 has been powered on, thereby activating the NFC interface 60 and the respective the payer device 92 placed in the active mode or a host, such as discussed above. 通知消息632还可以指示付款人执行到接收设备——在该例子中为收款人设备10——的搭接操作。 Notification message 632 may also indicate to the receiving device performing the payer - is the operation of the payee device 10-- overlap in this example. 另外,屏幕630可以包括图形按钮634,如果需要,付款人可以选择图形按钮634以便取消支付信息的发送。 In addition, the screen 630 may include a graphical button 634, if needed, the payer may select a graphic button 634 in order to send a message to cancel the payment.

[0222] 现在继续到图141,该图一般性地示出了搭接操作和随后在付款人设备92和收款人设备10之间的NFC连接的建立。 [0222] Continuing now to FIG. 141, the drawing shows a generally overlap between the operation and the subsequent establishment of 10 NFC device 92 connected to the payer and the payee device. 如上面图14H讨论的,可被显示在付款人设备92上的屏幕630可以包括指示消息632,向付款人指出付款人设备92当前处于主动模式,并且还指示付款人执行与收款人设备10的搭接操作,诸如图12A所示的搭接操作412。 For example, 14H may be displayed a screen 630 discussed above in FIG payer device 92 may include an indication message 632 indicating to the payer's payer device 92 is currently in active mode, and also indicates the payer and the payee device 10 performs overlapping operations, such as shown in FIG. 12A overlapping operation 412. 因此,一旦付款人设备92和收款人设备10被放置为彼此邻近以使得两个设备之间的距离足以建立NFC连接,收款人设备10可以检测到从付款人设备92发射的NFC传输,诸如上述的查验消息400。 Thus, once the payer and payee device 92 as device 10 is placed adjacent to each other such that a distance between two NFC devices sufficient to establish the connection, the payee NFC device 10 can detect the transmission device 92 transmitted from the payer, ping message 400 such as described above.

[0223] 在检测到来自付款人设备92的NFC传输之后,收款人设备可以激活其自己的相应NFC设备46。 [0223] After the NFC device 92 is transmitted from the payer, payee device may activate its own respective NFC device 46. 另外,屏幕638可被显示在收款人设备10上,包括通知消息640,通知消息640 向收款人指出已经检测到NFC传输,并且收款人设备10的NFC设备46正被加电。 Further, the screen 638 may be displayed on the recipient device 10, 640 includes a notification message, the notification message 640 indicates to the recipient has been detected NFC transmission, the NFC device 10 and the recipient device 46 is being powered. 通知屏幕638还可以包括图形按钮642,图形按钮642给收款人提供了如果希望则取消NFC连接的建立的选项。 Notification screen 638 may also include a graphic button 642, 642 to the payee graphic button if you want to provide the option to create an NFC connection is canceled. 因此,如果收款人允许NFC连接的建立,可以更新在付款人设备92上显示的屏幕630和在收款人设备10上显示的屏幕638中的每一个,以便分别显示通知消息644和646。 Thus, if the recipient is allowed to NFC connection is established, the screen 630 can be updated on the payer device 92 and a display screen 638 of the display device 10 on the payee in each, so that each notification message 644 and 646. 显示在发送支付信息屏幕630上的通知消息644可以向付款人指出已经建立了NFC 连接,并且支付信息410(其可以包括例如在图14E中选择的信用卡账户602)正被传输到收款人设备10。 Sending payment information is displayed on the screen 630 of the notification message 644 may indicate to the payer NFC connection has been established, and payment information 410 (which may comprise, for example, selected in FIG. 14E credit card account 602) being transmitted to the payee device 10. 同时,显示在收款人设备10的屏幕638上的通知消息646可以向收款人指出已经建立了NFC连接,并且正在收款人设备10的NFC接口60上接收支付信息410。 Meanwhile, the display 646 notification message 638 on the screen of the recipient device 10 may indicate to the payee NFC connection has been established, and is the payee receive payment information 410 on the NFC interface 60 of the device 10.

[0224] 如上面在图IlB中给出并且描述的方法360的步骤336所示,以图14E-14I所示屏幕示出的动作可以总地表示向收款人提供支付信息的步骤。 The method shown in [0224] As set forth above and described in FIG IlB 336 in step 360, the screen shown in FIG. 14E-14I illustrated acts may generally represent the step of providing payment information to the payee. 再次参考图15B,更详细地示出了向收款人提供支付信息的步骤366。 Referring again to FIG. 15B, shown in more detail the step of providing payment information 366 to a payee. 例如,在接收到费用清单信息(步骤536)之后,如以步骤650所示,在付款人设备92上进行关于是否接受接收到的支付信息的确定。 For example, after receiving the cost information list (step 536), as shown in the step, a determination as to whether to accept the payment information 650 received on the payer device 92. 如上面的讨论,该步骤可以对应于对屏幕516上的图形按钮M2的选择。 As discussed above, this step may correspond to a selection of a graphic button on the screen 516 M2.

[0225] 一旦接受了支付请求信息,付款人在步骤652可以进一步选择就支付请求从中支出或付款的支付账户。 [0225] Once received the payment request information, the payer in step 652 may further choose the payment request from the payment account or payment of expenses. 该步骤可被一般地以图14E所示的对替换信用卡账户602的选择, 或图14F和图14G分别所示的对银行账户612或614的选择来表示。 To indicate the selection of the bank account 612 or 614 shown in the credit card account selection 602. Alternatively, or FIG. 14F and FIG. 14G, respectively, this step may be generally as shown in FIG. 14E. 此后,一旦选择了适当的支付账户,如以步骤6M所示,可以通过搭接操作建立NFC连接,从而如上面讨论的,在步骤肪4在付款人设备92和收款人设备10之间建立NFC连接。 Thereafter, once the appropriate choice of the payment account, as shown in step 6M, connection may be established NFC overlapping operations, as discussed above so that, in the step of establishing 4 fatty device 92 between the payer and payee device 10 NFC connectivity. 接着在步骤656,借助建立的NFC连接,可将步骤652中的选择的支付账户信息传输到收款人设备10。 Next, at step 656, by establishing the NFC connection, may be transmitted in step 652 the selected payment account information to the payee device 10. 参考图141, 步骤656的支付信息传输可以对应于支付信息410从付款人设备92向收款人设备10的传输。 Referring to FIG 141, step 656 may transmit payment information corresponding to the transmission device 92 from a payer to a payee device 10 payment information 410.

[0226] 另外,从收款人的角度,借助搭接操作412建立NFC连接以及接收支付信息410的步骤可以对应于方法328的步骤336,步骤336表示从付款人设备92获取支付信息410。 [0226] Further, from a payee's perspective, via the overlapping operation 412 NFC connection is established, and the step of receiving a payment method information 410 may correspond to steps 328 336, step 336 retrieves the payment information 410 from the payer device 92. 图15A进一步描述了该步骤,其中根据当前示出的交易更加详细地示出了步骤336。 FIG 15A is further described in the step in which the current transaction according to the illustrated step 336 is shown in greater detail. 参考图15A,步骤336可以包括首先加入通过搭接操作(诸如搭接操作412)建立的NFC连接的步骤,其被以标号660表示。 With reference to FIGS. 15A, step 336 may include a first step of adding NFC connection (such as a lap operation 412) established by the overlapping operation, which is represented by reference numeral 660. 在建立NFC连接之后,在步骤662,收款人可以接收对应于选择的支付账户(例如,步骤652)的支付账户信息(例如,410)。 After the NFC connection is established, at step 662, the payee can receive payment account corresponding to the selected (e.g., step 652) payment account information (e.g., 410). 一旦收款人设备10接收到支付信息,如图15A中以步骤338示出的,可以在收款人设备10上执行选择存入账户的步骤。 Once the recipient device 10 receives the payment information, FIG. 15A to the step 338 shown, the step of selecting may be performed into account in the payee device 10.

[0227] 现在参考图14J,以根据本公开的一个实施例的屏幕638和674示出了收款人对存入账户的选择。 [0227] Referring now to Figure 14J, in accordance with the present disclosure a screen 638 and 674 of the embodiment shown payee selection into account. 首先参考屏幕638,一旦收款人设备10接收到支付信息410,可以更新屏幕638以便显示通知消息668。 Referring first screen 638, once the recipient device 10 receives the payment information 410, 638 may be updated to the screen 668 displays a notification message. 通知消息668可以包括关于付款人身份以及所请求的支付的数目的信息。 Notification message 668 may include information regarding the identity of the payer and the number of payments requested. 响应通知消息668,收款人可以通过选择图形按钮670接受所提供的支付, 或可替换地,可以通过选择图形按钮672选择取消支付处理。 Notification response message 668, payment by the payee may select a graphical button 670 to accept the offer, or alternatively, the option to cancel the payment process by selecting the graphic button 672. 如果收款人通过选择按钮670 选择接受支付,收款人可被导航到屏幕674。 If the recipient accepts payment by selecting the button 670 selected, the recipient can be navigated to the screen 674.

[0228] 如图14J所示,屏幕674可以显示收款人身份信息676和付款人身份信息678。 [0228] As shown in FIG 14J, the screen 674 may display the identity information of the payee and payer identity 676 678. 付款人身份信息678可以显示付款人名称和一个或多个附加标识属性,诸如电子邮件地址。 The payer's identity information 678 can display the name of the payer and one or more additional identity attributes, such as e-mail address. 如上面详细描述的,在成功完成交易之后,可将支付收据(诸如支付收据428)发送到在付款人身份信息678中指出的付款人的电子邮件地址。 For example, after the successful completion of the transaction, the payment may be described in detail above receipts (such as payment receipts 428) is sent to the email address indicated in the payer's identity information 678 in the payer.

[0229] 屏幕674还可以包括支付数目信息680、以标号682表示的付款人指定的支付方法信息、以及所请求的支付被存入的存入账户。 [0229] Screen 674 may also include a number of payment information 680, payment method specified payer reference numeral 682 denotes the information, and the requested payment is deposited into account. 如屏幕674所示,存入账户最初可被选择为在上面参考图8讨论的设备偏好配置期间由收款人指定的默认存入账户216。 As shown in the screen 674, it can be selected into account initially configured during device preference above discussed with reference to FIG. 8 specified by default into account the payee 216. 另外,屏幕674 可以包括图形按钮686、图形按钮688和图形按钮690,通过图形按钮686,用户可以启动将所请求的支付存入默认存入账户216的处理,通过图形按钮688,用户可以选择替换的存入账户,通过图形按钮690,用户可以取消待完成的交易。 Further, the screen 674 may include graphical buttons 686, 688 and graphic button graphic button 690, the graphical button 686, the user may initiate the requested payment credited into account the default processing 216 is, through a graphics button 688, the user can choose to replace the deposit account through a graphical button 690, the user can cancel the transaction to be completed.

[0230] 如通过选择图形按钮686所示,如果收款人选择将支付存入默认存入账户216,可以执行由图IlA的判断框340示出的授权和验证步骤。 [0230] As shown by selecting the graphic button 686, if the recipient selects the default payment credited into account 216, authorization and authentication may be performed by the steps shown in decision block 340 of FIG IlA. 图15A更详细地示出了可以在判断框MO内执行的判断逻辑和确定步骤。 FIG 15A shows in more detail the logic judgment and determination steps may be performed in the decision block MO. 如图15所示,一旦收款人在步骤338选择了存入账户,并且诸如通过选择屏幕674上的图形按钮686而启动了交易信息的处理,如以步骤694 所示,付款人选择的支付账户(例如,60¾和收款人指定的存入账户(例如,216)可被传输到一个或多个金融服务器(例如,100),以便验证账户信息并且授权所请求的交易。例如, 如上面讨论的,具体参考图12A-12C,根据收款人和付款人提供的账户类型,一个或多个金融服务器100可以包括银行服务器、信用卡服务器或其某种组合。 15, at step 338 once the recipient is selected into account, such as by graphical buttons 686 and on the selection screen 674 and the startup processing transaction information, as shown in the step, the selected payer payment 694 accounts (e.g., 60¾ into account and the payee specified (e.g., 216) may be transmitted to one or more financial server (e.g., 100), in order to verify account information and authorizes the requested transaction. for example, as described above discussed, with particular reference to FIGS. 12A-12C, according to the payee and the payer account type, the one or more financial server 100 may include a server bank, a credit card server or some combination thereof.

[0231] 现在继续到步骤696,可以由金融服务器做出关于所选择的支付账户和存入账户是否兼容的确定。 [0231] now continues to step 696 may be made regarding the selected payment account and deposit account is determined by the financial server is compatible. 如上面讨论的,可能发生收款人指定的存入账户可能未被授权或配置为接受来自付款人选择的支付账户的支付的情况。 For example, the payee designated deposit account may occur discussed above may not be authorized or configured to accept payments situation payment account from the payer selected. 提供一个例子,如果存入账户是未被授权接收直接来自信用卡账户的支付的银行账户,支付账户和存入账户可能不兼容。 Provide an example, if the deposit account is not authorized to receive payments directly from the bank account of credit card accounts, deposit accounts and payment account may not be compatible. 例如,再次参考图14J,如果金融服务器100确定所选择的支付账户和存入账户不兼容,可以显示示出了通知消息702的屏幕700。 For example, referring again to FIG 14J, it is not compatible with the financial server 100 determines if the selected payment account and a deposit account, may display the notification message 702 shown in screen 700.

[0232] 图15A所示的方法然后可以进入判断步骤342,其中收款人具有通过选择替换的存入账户而重新协商支付项目的选项,从而方法返回步骤338。 The method shown in [0232] FIG 15A may then proceeds to decision step 342, wherein the payee has the option of selecting an alternative into account by the re-negotiation of the payment program, such that the method returns to step 338. 例如,可以通过选择图14J 的屏幕700上的图形按钮704执行支付项目的重新协商。 For example, through a graphical on-screen button to select 700 of FIG. 14J project execution to renegotiate the payment of 704. 可替换地,收款人可以重新协商付款人对不同支付账户的选择,从而方法返回步骤662。 Alternatively, the recipient may renegotiate the payer choose different payment accounts, so the method returns to step 662. 另外,如果在判断步骤342收款人选择不重新协商支付项目,则如步骤344所示,收款人可以诸如通过选择屏幕700上的图形按钮706取消交易。 In addition, if you choose the determination at step 342 the recipient does not pay to renegotiate the project, as shown in step 344, the recipient can cancel the transaction, such as by selecting a graphical on-screen buttons 700,706.

[0233] 返回判断步骤696,如果确定付款人和收款人指定的支付账户和存入账户兼容,则方法可以进入判断步骤698,其中可以由一个或多个金融服务器100做出关于支付账户是否有效且包含足够资金以便满足所请求的支付的确定。 [0233] back to decision step 696, if it is determined the payer and the payee designated payment account and deposit account compatible, the method may enter judgment step 698, which may be made by one or more financial server 100 about whether the payment account It is valid and contains sufficient funds to meet to determine the payment requested. 如果确定指定的支付账户无效或不包含足够资金以便满足所请求的支付,方法可以返回判断步骤342,其中收款人具有在步骤344取消交易,或诸如通过请求付款人提供包含足够资金的另一个支付账户而重新协商交易项目的选项。 If the determination is invalid or the designated payment account does not contain sufficient funds to meet the requested payment, the method may return to decision step 342, wherein the payee has to cancel the transaction at step 344, or as further comprising providing sufficient funds by requesting the payer payment account and options trading items renegotiation. 应当理解,该动作可将方法返回步骤662。 It should be understood that the operation returns to step 662 may be a method. 再次参考图14J,如果在步骤698 确定付款人选择的支付账户缺少足够资金以便满足所请求的支付,可以在屏幕700上显示通知消息708。 Referring again to FIG. 14J, step 698 determines if the selected payer payment account lacks sufficient funds to meet the requested payment, the notification message 708 may be displayed on the screen 700. 因此,屏幕700可以包括图形按钮710,用户可以选择图形按钮710,以便返回上面在图14A中讨论的支付请求屏幕484。 Thus, screen 700 may include graphical buttons 710, the user may select a graphical button 710, discussed above in order to return the payment request in screen 484 of FIG. 14A. 另外,如上面讨论的,收款人也可以通过选择图形按钮706取消交易。 In addition, as discussed above, the recipient can cancel the transaction by selecting the graphic button 706. [0234] 如果在步骤698确定指定的支付账户和存入账户两者是有效的,并且支付账户具有足够资金,则交易可被金融服务器授权并且被处理,其中可以从支付账户中支取支付请求中指定的数目并且存入到存入账户。 [0234] If it is determined both payment account and deposit account specified in step 698 is valid and has sufficient funds to pay the account, the transaction may be authorized to finance the server and processed, which can withdraw the payment request from the payment account Specifies the number of deposit and credited to the account. 例如,如上面参考图12A讨论的,一旦所选择的支付信用卡账户(例如,60¾被验证,如方框似4表示的,信用卡服务器382可以向金融服务器380发送授权消息,指出交易已被批准执行。此后,一旦交易被处理,如图IlA内的方法328 的步骤346所示,收款人可以接收支付。另外,从付款人的角度,在图IlB的方法360的步骤368可以做出关于交易是否被处理并且成功完成的确定。如果确定交易出于任何原因而失败,诸如以图14J的通知消息702和708示出的原因,在步骤370不对付款人的账户进行支取。 For example, as discussed above with reference to FIG. 12A, once the selected payment card account (for example, 60¾ be verified, as indicated by the box-like 4, 380 credit card server 382 may send an authorization message to the financial server, pointed out that the transaction has been approved by the Executive Thereafter, once the transaction is processed, the method shown in step 328 of FIG IlA 346, the payee can receive payment. Further, from a payer's perspective, in step 360 of the method 368 of FIG IlB may be made on the transaction and determining whether processing completed successfully. If it is determined the transaction fails for any reason, such as in the notification message of FIG. 14J and 702,708 reasons illustrated, withdrawal performed in step 370 are not the payer's account.

[0235] 类似地,如果确定交易已被成功处理,如上面讨论的,可以在步骤372从付款人的账户支取支付请求中指定的数目。 [0235] Similarly, if the transaction has been successfully processed is determined, as discussed above, can withdraw number 372 specified in the request payment from the payer's account step. 例如,再次参考图14J,在成功完成交易之后,可以在收款人设备10上显示屏幕712。 For example, referring again to FIG 14J, after the transaction is completed successfully, the screen can display 712 on the recipient device 10. 屏幕712可以包括通知消息714,通知收款人所请求的支付数目680已被存入所选择的存入账户216。 Screen 712 may include a notification message 714 notifying recipient 680 that the requested payment amount has been stored into the selected account 216. 通知消息714还可以向收款人指出已经向付款人发送或传输用于当前交易的支付收据(例如,4观)。 Notification message 714 may also be noted has been sent to the drawee for payment or transfer receipt (for example, 4 view) of the current transaction to the payee. 如上面讨论的,电子形式的支付收据可使用在屏幕674上的付款人标识信息678中提供的电子邮件地址通过电子邮件被发送给付款人。 The e-mail address, the electronic payment receipt discussed above may be used on the screen 674 payer identification information 678 provided via e-mail is sent to the payer. 交易通知屏幕712还可以包括图形按钮716和718。 Trade notification screen 712 may also include a graphical buttons 716 and 718. 可以选择图形按钮716,以便发起随后的交易。 Select a graphic button 716, to initiate subsequent transactions. 例如,通过选择图形按钮716,收款人可以返回图14A中的上述交易发起屏幕476。 For example, by selecting the graphic button 716, the recipient may return the transaction FIG. 14A, a screen 476. 另外,用户可以通过选择图形按钮718退出交易应用34,从而例如返回收款人设备10的主屏幕四。 Further, the user may select a graphical button 718 to exit the transaction application 34, for example to return to the main screen four payee device 10.

[0236] 虽然与上面基于图12A-C和图14A-J所示的实施例描述的交易相关联的技术和屏幕图像具体地是依赖于收款人发起交易,诸如通过从设备10发送支付请求(例如,384),然而应当理解,在别的实施例中,付款人也可以发起交易。 [0236] While the techniques and the screen image associated with the transaction based on the above embodiment of FIGS. 12A-C and 14A-J shown in FIG described specifically initiate a transaction is dependent on the recipient, such as a payment request transmitted from the device 10 through (e.g., 384), it should be appreciated that in other embodiments, the payer may initiate a transaction. 例如现在继续到图16A和16B,这些图共同示出了分别从付款人和收款人角度的方法,其中交易可由付款人发起,并且随后由收款人使用上面一般讨论的技术处理。 E.g. Continuing now to FIGS. 16A and 16B, these figures collectively illustrate a method from a payer and a payee's perspective, respectively, wherein the transaction initiated by the payor, the payee and then processed using the general techniques discussed above.

[0237] 首先参考图16A,示出了从付款人的角度发起交易的方法730。 [0237] Referring first to Figure 16A, illustrating a method of initiating the transaction from the payer's 730 angle. 方法730以步骤732的对支付方法的选择开始。 Method 730 begins with the choice of payment method step 732. 如上所述,对支付方法的选择可以包括从存储在设备(诸如付款人设备9¾上的一个或多个支付账户中选择支付账户。一旦选择了支付账户,如步骤734所示,对应于所选择的支付账户的支付信息可被传输或发送给收款人。如上面讨论的, 可以通过在付款人设备92和属于收款人的设备(诸如设备10)之间建立的通信通道发生支付信息的传输。在上面讨论的实施例中,该通信通道可以包括NFC连接,但是也可以包括通过在收款人设备10和付款人设备92上可用的其它通信接口,诸如,图3中以通信接口56 示出的接口(例如,WAN、LAN、WLAN、PAN等),建立的附加通信通道。接着,在判断步骤736, 做出关于由付款人发起的交易是否被成功完成的确定。例如,如上面讨论的,交易的成功完成可以导致在收款人的所选择的存入账户中存入来自在步骤732选择的支付账户的支付 As described above, selection of a payment method may include one or more payment accounts, such as on the payer device 9¾ selected from a payment account stored in the device (Once the payment account selected, as shown in step 734, corresponding to the selected payment account payment information may be transmitted or sent to the payee. as discussed above, the payment information may occur through a communication channel between the payer device devices (such as device 10) and 92 belonging to the established payee transmission. in the embodiments discussed above, the communication channel may include a NFC connection, but may also include other via a communication interface available on the payer and the payee device 10 device 92, such as the communication interface of FIG. 3 to 56 shows an interface (e.g., WAN, LAN, WLAN, PAN, etc.), establishing an additional communication channel is then determined at step 736, a determination is made as to whether a transaction initiated by the payer is completed successfully. For example, as described above discussed, the successful completion of the transaction may result in the payment deposit account to pay from 732 selected in step payee of the selected deposit account 。 如果确定交易未被成功完成,则如步骤738所示,不对付款人的支付账户进行支取。 If it is determined the transaction is not completed successfully, as shown in step 738, the payer does not pay the accounts of withdrawal.

[0238] 返回步骤736,如果确定成功完成了付款人发起的交易,则方法可以进入步骤740,其中如上面讨论的,从付款人的选择的支付账户中支取可在步骤734发送的支付信息中指定的数目。 [0238] Returning to step 736, if it is determined payer successfully completed transactions initiated, then the method may proceed to step 740, where as discussed above, can withdraw payment information transmitted in the step 734 in the selected payment account of the payer specified number. 最后,在步骤740对付款人的账户进行支取之后,如步骤742所示,付款人可以接收来自收款人的收据,该收据可以作为付款人发送的支付已被接收到的确认。 Finally, after step 740 the account of the payer to withdraw, as shown in step 742, the payer receipt may be received from a payee, the payer receipt may be sent as confirmation of the payment has been received. 如上面讨论的,在某些实施例中,收据可以是电子形式,并且被付款人通过电子邮件地址接收。 As discussed above, in certain embodiments, the receipt may be in electronic form, and is received by payer email address.

[0239] 现在参考图16B,示出了响应在图16A的方法730中由付款人发起的交易,并且随后处理该交易的方法,以标号746总体指示该方法。 [0239] Referring now to Figure 16B, a method 730 is shown in FIG. 16A in response to transactions initiated by the payer, and the method then processes the transaction, reference numeral 746 generally indicates the method. 方法746可以在步骤748开始,其中收款人接收支付信息。 Method 746 can begin at step 748, wherein the payee receive payment information. 作为例子,收款人在步骤748接收的支付信息可以对应于付款人在方法730的步骤734发送的支付信息。 As an example, the payee payment information receiving step 748 may correspond to the payer payment information 734 transmitted in step 730 in the method. 该支付信息可以包括例如关于付款人选择的支付账户、 付款人的身份以及付款人发送的支付数目的信息。 The payment information may include information such as payment on account of the payer to select the identity of the payer and the number of pay payer sent. 例如,支付信息可使用诸如上述设备10 的设备,使用NFC连接而被接收。 For example, payment information such as a device using the above-described apparatus 10 using NFC connection is received.

[0240] 此后,在步骤750,收款人可以选择接收到的支付要被存入的存入账户。 [0240] Thereafter, at step 750, the recipient may choose to receive payment credited to the account to be credited. 例如,收款人可以从存储在收款人设备10上的一个或多个存入账户中选择存入账户。 For example, the payee may deposit account selected from the account stored on a storage device 10 or a plurality of payee. 一旦选择了适当的存入账户,收款人可以通过向一个或多个金融服务器传输账户信息启动账户验证处理,该账户信息可以包括由付款人发送的支付账户信息以及在步骤750选择的存入账户信息,所述金融服务器配置为验证这些账户,并且授权从支付账户向所选择的存入账户进行支付。 Upon selection of the appropriate deposit account, the recipient may start by transmitting account information to one or more financial accounts server authentication processing, the account information may include payment account information sent by the payer and stored in step 750 the selected account information, the financial server is configured to verify these accounts, and authorize payment from the payment account to the selected deposit accounts. 在图16B中以判断步骤752表示这种账户验证和支付授权处理,其中确定在当前交易中指定的支付账户和存入账户两者是否有效,以及支付账户是否被授权并且具有足够资金执行所请求的支付。 In the step of FIG. 16B 752 is determined to represent this account verification and payment authorization process, which determines both the payment account and credited the account specified in the current transaction is valid and whether the payment account has sufficient funds and is authorized to perform the requested payment. 如果在步骤752确定不能处理交易,诸如出于上面根据图14J描述的一个或多个原因,则方法746可以进入判断步骤754。 If the determination at step 752 can not process transactions, such as for the above in accordance with one or more of the reasons described in FIG. 14J, the method 746 proceeds to decision step 754 can.

[0241] 在判断步骤754,收款人可以具有重新协商交易项目的选项。 [0241] In the determination step 754, the recipient may have the option to renegotiate trade projects. 如上所述,这可以包括选择替换的存入账户,或请求付款人提供替换的支付账户中的一个或多个。 As described above, this may include selecting an alternative deposit accounts, or request one or more replacement payer payment account. 因此,如果收款人决定选择替换的存入账户,方法可以返回步骤750。 Thus, if the recipient into account decided Alternatively, the method may return to step 750. 可替换地,如果收款人选择请求付款人提供替换的支付账户,方法可以返回步骤748,由此收款人可以接收关于例如新选择的替换支付账户的支付信息。 Alternatively, if the recipient selection request payer alternative payment account, the method may return to step 748, whereby the recipient can receive payment information on the payment account, for example, replacing the newly selected. 另外,如步骤756所示,如果判断步骤754的判断是不重新协商交易项目,收款人还可以具有取消交易的选项。 In addition, as shown in step 756, if determination at step 754 is judged not to renegotiate trade program, the recipient may also have the option to cancel the transaction.

[0242] 返回判断步骤752,如果确定支付账户和存入账户两者都得以验证,并且可以授权从支付账户到存入账户的支付,则收款人可以在步骤758接收付款人发送的支付。 [0242] back to decision step 752, if it is determined payment account and both accounts are stored can be verified, and may authorize payment credited to the payment account from the account, the payee can receive payment the payer is transmitted in step 758. 例如,步骤758的支付接收可以包括从付款人的选择的支付账户中支取诸如在步骤748接收到的支付信息中指定的支付数目,并且此后将该数目存入收款人的选择的存入账户,从而在步骤760完成交易。 For example, the payment may include a step 758 of receiving payment information such as a payment withdraw number received in step 748 from a specified payer of the payment account selected, and thereafter stored in the selected number into account the payee whereupon, at step 760 to complete the transaction. 另外,如步骤762所示,方法746还可以包括发送收据,确认收款人已经接收到付款人发送的支付。 Further, as shown in step 762, the method 746 may further include sending a receipt, the recipient has received the payment confirmation transmitted payer. 步骤762的收据传输可以对应于图16A所示方法730的步骤742的付款人接收收据。 Step receipt transmission 762 may correspond to the receiver of the payer receipt method 730 shown in FIG. 16A step 742.

[0243] 现在继续到图17A,根据以图16A和16B描述的交易示出了多个屏幕图像,这些屏幕图像示出了在付款人设备92上的交易发起。 [0243] Continuing now to Figs. 17A, according to the transaction described in FIGS. 16A and 16B illustrate a plurality of screen images, the screen image shown on the payer device 92 in the transaction initiated. 付款人设备92可以包括类似于以图标34 表示并且上面参考收款人设备10描述的交易应用的交易应用。 Payer device 92 may include components similar to the above and with reference to Figure 34 represents the transaction application transaction application apparatus 10 described payee. 在运行该交易应用之后,上面在图5A中讨论的交易屏幕110可被显示在付款人设备92上。 After running the application transaction, the transaction screen 110 discussed above in FIG 5A may be displayed on the payer device 92. 从交易主屏幕110,可以通过选择图形按钮114发起交易。 From the main screen 110 transaction, the transaction can be initiated by selecting the graphic button 114.

[0244] 在选择了图形按钮114之后,付款人可以进入屏幕476。 [0244] After the selected graphic button 114, the payer can enter the screen 476. 如上面讨论的,屏幕476 可以显示图形按钮478、480和482。 As discussed above, the screen 476 can display graphical buttons 478, 480 and 482. 如图所示,付款人可以通过选择图形按钮480启动支付的发送。 As shown, the payer 480 may send a payment to start by selecting the graphical button. 此后,付款人可以进入屏幕770。 Since then, the payer can enter the screen 770. 屏幕770可以包括以标号772总体表示的多个文本字段,其中付款人可以借助文本键盘160输入信息。 Screen 770 may include a plurality of text fields, generally indicated by reference numeral 772, wherein the payer can use the keyboard 160 to input information text. 例如,如屏幕770所示,付款人可以输入收款人身份774,要发送给收款人的支付数目776,以及关于支付目的或性质的简要描述778。 For example, as shown in the screen 770, the payor may input the identity of the payee 774, to send the payment to the payee number 776, and a brief description of the purpose of the payment or properties 778. 屏幕770还可以包括图形按钮780和782。 Screen 770 may also include a graphical buttons 780 and 782. 一旦信息774、776和778被输入表单字段772,用户可以进入屏幕786,以便通过选择图形按钮780选择适当的支付方法。 Once the information is entered 774,776 and 778 form field 772, the user can enter the screen 786, so that by selecting the appropriate payment method selected graphical button 780. 可替换地,通过选择图形按钮782,用户具有取消交易并且因此不发送支付的选项。 Alternatively, by selecting the graphic button 782, the user has the option to cancel the transaction and therefore does not send payment.

[0245] 如屏幕786所示,可以显示关于收款人身份774、发送的支付数目776以及关于支付的描述778的信息。 [0245] As shown in the screen 786, can display information about the identity of the payee 774, 776 as well as the number of transmitted payment description of payment 778. 另外,屏幕786还可以显示以标号788示出的关于付款人身份的信息。 Further, the screen 786 may also display the reference numeral 788 shows information on the identity of the payer. 如上面讨论的,付款人身份信息可以包括付款人名称和附加标识属性(诸如电子邮件地址)两者。 As discussed above, both the payer's identity information may include (such as an email address) the name and additional identifying attributes. 屏幕786还可以显示对支付方法的选择。 Screen 786 may also display a selection of payment methods. 如图17A所示,如上面参考图14E 讨论的,所选择的支付方法最初可被选择为默认支付方法阳4。 17A, as discussed above with reference to FIG. 14E, the selected payment method may be initially selected as the default payment method 4 male.

[0246] 屏幕786还可以包括图形按钮790、792和794。 [0246] Screen 786 may also include a graphical buttons 790, 792 and 794. 如上面讨论的,这些按钮可以对应于在选择这些按钮之后可以在付款人设备92上执行的特定功能。 As discussed above, these buttons correspond to specific functions may be performed on the payer device 92 after the selection buttons. 例如,图形按钮790可以表示付款人可用于使用默认支付账户5M作为所选择的支付方法发起交易的功能。 For example, a graphical button 790 may be used to represent the payer using the default payment method payment account 5M as the selected function to initiate the transaction. 图形按钮792可以表示可用于将付款人定向到用于选择替换支付方法(诸如上面参考图14E的屏幕566描述的)的一个或多个屏幕的功能。 Graphical button 792 may be used to represent the payer directed alternative payment method for selecting a feature (such as a screen 14E described above with reference to FIG. 566) or a plurality of screens. 通过选择图形按钮794,付款人还可以具有取消支付的选项。 By selecting the graphic button 794, the payer may also have the option to cancel the payment.

[0247] 收款人设备10和付款人设备92中的每一个其上可配置有一个或多个安全特征。 [0247] payer and the payee device 10 on which each apparatus 92 may be configured with one or more security features. 例如,如上面参考图14H描述的,在可以授权支付的发送之前,付款人设备92可能需要输入以前存储的授权PIN码。 For example, as described above with reference to FIG. 14H, prior to transmission may authorize payment, the payer device 92 may need to enter a PIN code previously stored authorization. 作为例子,如图17A所示,在选择图形按钮790之后,付款人可以进入上面在图14H中讨论的屏幕620。 By way of example, shown in Figure 17A, after selecting the graphical button 790, the payer can enter the screen 620 discussed above in FIG. 14H. 屏幕620包括指示用户使用数字键盘界面164在文本字段626中输入授权PIN码624的提示622。 Screen 620 includes information indicating the user using the numeric keypad to enter an authorization PIN code interface 164 prompts 624 622 626 in the text field. 另外,如上面讨论的,用户可以选择图形按钮166,以便在数字键盘界面164和文本输入键盘界面162(图17A未示出)之间切换。 Further, as discussed above, the user may select a graphical button 166, so as to switch between the keyboard input interface 162 (not shown in FIG. 17A) from the keypad interface 164, and text. 例如, 可以在设备92支持包括文本和数字字符两者的字母数字PIN码的实施例中实现该特征。 For example, embodiments may include both text and numeric characters alphanumeric PIN code implemented in the device 92 supports the feature.

[0248] 一旦输入了授权PIN码624,付款人可以继续以便向收款人发送屏幕786中的输入的支付信息。 [0248] Once the PIN is entered authorization code 624, the payer to the payee may continue to send payment information input screen 786. 例如,如上面参考图141讨论的,可以借助付款人设备92和收款人设备10 之间通过搭接操作412建立的NFC连接完成支付信息的发送。 For example, as discussed above with reference to FIG. 141, the device 92 can use the payer and payee between the device 10412 is established by connecting the overlapping operation is completed NFC payment information transmitted. 因此,一旦付款人设备92 和收款人设备10已被搭接并且被放置在能够支持这些设备之间的NFC连接的距离(例如2-4cm)内,显示在屏幕786的支付信息可借助建立的NFC连接被传输到收款人设备10。 Thus, once device 92 payer and payee device 10 have been overlapped and placed at a distance between the NFC-capable devices connected (e.g. 2-4cm) within, payment information displayed on the screen 786 can be established by means of the NFC connection device 10 is transmitted to the payee.

[0249] 现在继续到图17B,一旦收款人设备10接收到支付信息,可以在收款人设备10上显示屏幕800。 [0249] Continuing now to to Figure 17B, once the recipient device 10 receives the payment information may be displayed on the screen 800 the recipient device 10. 屏幕800可以包括通知消息802,其通知收款人,已经接收到付款人对于支付在图17A的屏幕770内指定的数目的提议。 Screen 800 may include a notification message 802 that informs the payee, the payer has received the proposal for a specified number of payments in the screen 770 of Figure 17A. 屏幕800还可以包括图形按钮804和806。 Screen 800 may also include a graphical buttons 804 and 806. 通过选择图形按钮804,如上面在图14J中讨论的,收款人可以进入屏幕674。 804, as discussed above in FIG. 14J by selecting the graphical button, the screen 674 can enter the payee. 屏幕674可以显示付款人在屏幕770中输入的信息,诸如收款人的身份774、发送的支付数目776,以及付款人选择的支付方法——在该例子中是默认支付账户554。 Payor screen 674 may display information inputted in the screen 770, such as the identity of the payee 774, the number of payment transmitted 776, the payer and the payment method chosen - the default payment account 554 in this example. 屏幕674还可以包括付款人的标识信息788,其可以包括付款人的电子邮件,并且如果交易被成功完成,其可用于向付款人发送收据。 Screen 674 may also include identification information of the payer 788, which may include the payer email, and if the transaction is successfully completed, which can be used to send a receipt to the payer. 屏幕674还可以显示要向其存入该支付的当前选择的存入账户。 674 can also display the screen you want to deposit into the account of the payment of the current selection. 如此处所示,选择的存入账户最初是在图8中配置的默认账户216。 Into account as shown here, is arranged initially selected in default account 216 of FIG. 8. 为了基于这些设置处理交易, 收款人可以选择图形按钮686。 In order to process transactions based on these settings, the recipient can choose the graphical button 686. 如上面讨论的,对图形按钮686的选择可以启动一个处理, 通过该处理,从付款人选择的支付账户5M中支取数目776,然后将其存入所选择的存入账户216。 As discussed above, selection of the graphical button 686 may initiate a process, through which process, withdrawal from a payment account number 776 5M payer selected, then store the selected account stored in 216. 该处理可以涉及一个或多个金融服务器100对交易的验证和授权,诸如上面在图12A-C中描述的。 This process may involve one or more authentication and authorization of the financial transaction server 100, such as described above in FIGS. 12A-C. [0250] 取决于对交易的处理是否成功,可以在收款人设备10上显示上面在图14J中讨论的屏幕700或712。 [0250] depends on the processing of the transaction is successful, discussed above, it may display a screen 700 in FIG. 14J 712 or on the recipient device 10. 例如,如果交易出于一个或多个原因失败,可以显示屏幕700。 For example, if the transaction fails for one or more reasons, you can display screen 700. 屏幕700 可以包括通知消息708,通知收款人交易失败的原因。 Screen 700 may include a notification message 708, this notice payee transaction failure. 另外,屏幕700可以给收款人提供诸如借助图形按钮710返回屏幕484的选项,以及通过选择图形按钮706取消交易的选项。 In addition, the screen 700 may be provided to the payee by means of graphical buttons such as screen options 484 710 return, and cancel the transaction by selecting the graphic button 706 options. 如果交易被成功完成,可以在收款人设备10上显示屏幕712,显示通知消息714,通知收款人交易已被成功完成,并且付款人指定的支付数目776已被存入所选择的存入账户216。 If the transaction is completed successfully, the screen can display 712 on the recipient device 10, displays a notification message 714, informing the recipient transaction has been successfully completed, and the number of pay payer designated 776 has been deposited into the selected account 216. 通知消息714还可以通知收款人,已经向付款人发送了收据。 Notification message 714 may also notify the payee, has sent a receipt to the payer.

[0251] 虽然上述实施例全部示出的是涉及使用货币工具(诸如信用卡和银行账户)的交易,但是应当理解,本公开中提出的技术可适用于表示持有某种交易媒介的其它类型的账户,包括上述的非货币和非现金账户(例如,1沈、604)。 [0251] While the above embodiments are all shown in transactions involving the use of monetary instruments (such as credit card and bank account), it should be understood that the techniques presented in this disclosure may be applicable to certain transactions represents hold other types of media accounts, including the above-mentioned non-monetary and non-cash accounts (for example, 1 sink, 604). 例如,非现金账户可以是与在线音乐供应商服务相关联的账户,诸如可以通过由苹果公司运营和管理的iTunes®在线数字媒体商店/服务获得的iTunes®账户。 For example, non-cash account may be associated with an online music service supplier's account, such as iTunes® account can be obtained from Apple's iTunes® operations and management of online digital media store / service.

[0252] iTunes®账户可以基于积分(credits)操作,可以从用于购买音乐文件(例如,.mp3, .m4a)以及其它相关类型的媒体(诸如播客、音乐视频、有声读物、游戏应用、电影等)的基于互联网的在线虚拟商店交换或兑换积分。 [0252] iTunes® account may be based on points (credits) operation, can be purchased from a music file (for example, .mp3, .m4a) as well as other related types of media (such as podcasts, music videos, audiobooks, games, applications, movies etc.) based on the online virtual store of the Internet to exchange or redeem points. 在购买之后,这些媒体产品可被存储在设备10上,诸如在长期存储设备M中,以便用户以后观看或聆听。 After purchasing these media products can be stored on the device 10, such as long-term storage device M so that users watch or listen to later. 虽然与iTunes® 账户相关联的积分在现实世界中可能没有货币价值,但是这些积分可被用作针对通过iTunes®服务提供的产品和服务的非现金交易媒介。 Although iTunes® integration associated with the account in the real world may not have monetary value, but these points can be used as a medium of exchange for non-cash goods and services provided by iTunes® services. 另外,根据本公开的方面,可以借助上述交易技术在账户持有者之间交易iTunes®账户持有的积分。 In addition, in accordance with aspects of the present disclosure, it can make use of the above transaction technology integration between trading iTunes® account holder of the account holder.

[0253] 在继续本讨论之前,应当理解,此处仅作为例子描述使用由苹果公司提供的iTunes®服务,并且根据本公开,此处描述的技术可适用于由大量在线供应商提供的非现金账户,其中非现金交易媒介(例如,“积分”)可被存储在这些账户内,并且用于相应在线供应商所提供的产品或服务的交易。 [0253] Before continuing this discussion, it should be understood here as examples only describe the use of iTunes® service provided by Apple Inc., and in accordance with the present disclosure, techniques described herein are applicable to non-cash supplied by a large number of online suppliers accounts, of which non-cash transactions media (for example, "integration") can be stored in these accounts, and for trading goods or services corresponding online vendors offer.

[0254] 现在参考图18,现在参照由收款人和付款人持有的iTunes®账户描述图17A和17B所示的交易技术。 [0254] Referring now to Figure 18, reference is now held by the payer and the payee accounts iTunes® transactions described techniques shown in FIGS. 17A and 17B. 具体地,图18示出了交易808的示意表示,其中支付最初被从付款人设备92发送到收款人设备10,并且其中发送给收款人的支付信息810指定属于付款人的iTunes®账户作为选择的支付账户。 In particular, FIG. 18 shows a schematic representation of the transaction 808, wherein the payment device is initially transmitted from the payer 92 to the recipient device 10, which transmits to the payment and a payee information 810 belonging to the specified payer's account iTunes® as an alternative payment account. 支付信息810还可以指出付款人希望作为支付过户给收款人的积分数量或数目。 Payment information 810 may also be noted as a payer hope that the number of points or the number of transfer payment to the payee. 为了将iTunes®账户信息传输到收款人设备10,可以执行收款人设备10和付款人设备92之间的搭接操作814,从而建立NFC连接812,可以通过NFC连接812传输支付信息810。 To iTunes® account information to the payee device 10, device 10 may perform the payee and the payer device 92 between the overlapping operation 814, so as to establish an NFC connection 812, 812 can be connected to transmit payment information 810 via NFC.

[0255] 在在收款人设备10上接收到支付信息810之后,收款人可以选择收款人希望存入由支付信息810指出的支付的适当存入账户。 [0255] After receiving the payment information 810, the payee may be selected properly deposited into the payee desired payment account by the payment information 810 indicated in the payee device 10. 例如,在示出的情况下,选择的存入账户可以是属于收款人的相应iTunes®账户。 For example, in the illustrated case, the selection may be stored in the corresponding account belongs to the payee's account iTunes®. 因此,收款人和付款人的iTunes®账户信息,以及在支付信息810中指定的支付数目(例如,以积分的形式),可总的以交易信息框816表示。 Therefore, iTunes® account payee and the payer and the number of payment specified in the payment information 810 (for example, in the form of points), may total transaction information box 816 represents. 此后,交易信息816可由收款人设备10传输到一个或多个上述的金融服务器100,以便进一步处理交易808。 Thereafter, the transaction information 816 may be the recipient device 10 to transmit one or more of the above financial server 100, for further processing 808 transactions.

[0256] 如图18所示,可以用配置为维持属于付款人和收款人的相应iTunes®账户的iTunes®服务器表示本实施例中的一个或多个金融服务器100。 [0256] As shown in FIG 18, may represent one or more embodiments of the embodiment a financial server 100 configured to maintain belonging to the payer and payee accounts corresponding iTunes® iTunes® server. 如上面讨论的,具体地参考图12C示出的交易378,当支付账户和存入账户两者被相同实体或金融机构维持时,可以不必为交易的授权和处理与另外的外部服务器(例如,属于另一实体或金融机构的服务器)ififn ο As discussed above, particularly with reference to FIG 12C shows the transaction 378, when both the payment account and credited the account is maintained the same entity or financial institution may not be necessary and treatment authorized external server further transaction (e.g., server belonging to another entity or financial institution) ififn ο

[0257] 可以借助网络820发生交易信息816到iTuneS®服务器818的传输,可由收款人设备10上可用的任何适合的网络接口(诸如,图3中的通信接口框56示出的网络接口) 来提供网络820。 [0257] Transaction information may occur by means of the transmission network to 820,816 iTuneS® server 818, any suitable network interfaces available on the device 10 may be the recipient (such as in a communication interface block 56 in FIG. 3 illustrates a network interface) to provide network 820. 在接收到交易信息816之后,如标号822指示的,iTunes®服务器818 可以执行一个或多个验证动作,以便验证两个iTunes®账户的有效性,以及验证付款人的iTunes®账户是否至少具有足以满足支付信息810中指定的支付数目的积分数。 After receiving the transaction information 816, as indicated by reference numeral 822, iTunes® server 818 may perform one or more of the verify operation to verify the validity of two iTunes® account, and to verify the payer's account has at least sufficient to iTunes® the number of points the number of payments to meet the payment information 810 specified. 如果确定两个iTunes®账户都是有效的,并且付款人的iTunes®账户具有足够积分,则如以标号拟4指示的,交易可被处理。 If it is determined iTunes® two accounts are valid, and the payer's account has sufficient iTunes® integration, then as represented at reference numeral 4 indicates the proposed transaction may be processed. 此后,iTunes®服务器818可以借助网络820向收款人设备ίο传输确认信息,通知收款人已向收款人的iTunes®账户存入了支付。 Since then, iTunes® server 818 can confirm the information to the payee ίο transmission equipment through the network 820, the recipient has to inform the recipient of iTunes® account deposit payment. 另外,如以标号拟6表示的,在接收到确认之后,收款人设备ίο(或iTunes®服务器818)还可以配置为向付款人设备92传输收据,诸如使用付款人的电子邮件地址传输电子收据,以确认已经从付款人的iTunes®账户支取或收取了支付信息810指定的数目,从而结束交易808。 Further, as indicated by reference numeral 6 intended, after receiving the acknowledgment, the recipient device ίο (iTunes® or server 818) may also be configured to transmit the receipt to the payer device 92, such as an e-mail address using the transmission electron payer receipt to confirm the withdrawal has been charged or the number of payment information 810 specified by the payer's iTunes® account, thus ending the transaction 808. 参考图19A-19D,可以更好地理解上述交易808,其中示出了多个屏幕图像,描绘出以图18A示出的交易808。 With reference to FIGS. 19A-19D, may be better understood the above-described transaction 808, which shows a plurality of screen images, depicted in FIG. 18A transaction 808 shown.

[0258] 首先以图19A开始,应当注意,这些屏幕与上面参考图17A描述的屏幕大致相同。 [0258] FIG 19A is first started, it should be noted, these screens with screen 17A described above with reference to FIG substantially the same. 例如,从屏幕Iio开始,付款人可以通过选择图形按钮114发起交易过程。 For example, from the start screen Iio, the payer may initiate the transaction process by selecting the graphic button 114. 此后,可以显示屏幕476,并且付款人可以进一步选择图形按钮480,以便指定通过发送支付而直接发起交易(例如,不用如上面在图12A-12C中讨论的那样首先等待来自收款人的请求)。 Thereafter, the display screen 476, and may further select the payer graphical button 480 to specify the payment by sending directly initiate a transaction (e.g., as the first without waiting for a request from the recipient as discussed above in FIGS. 12A-12C) . 在选择图形按钮480之后,付款人可以进入屏幕770,由此可以使用文本键盘界面160完成表单字段772。 After selecting the graphic button 480, the payer can enter the screen 770, whereby the keyboard interface 160 can use a text field 772 to complete the form. 此后,通过选择图形按钮780,用户可以进一步进入屏幕786,屏幕786可以显示收款人身份信息774、支付数目776以及关于支付性质的简要描述778。 Thereafter, by selecting the graphic button 780, the user can further enter the screen 786, the screen 786 can display information on the identity of the payee 774, 776 payment number and a brief description of the nature of the payment of 778. 另外,屏幕786还可以包括关于付款人的身份信息788,并且显示当前选择的支付方法。 In addition, screen 786 may also include information about the identity of the payer 788, and displays the currently selected payment method. 如此处所示,支付方法最初可被选择为默认支付账户阳4。 As shown here, a payment method may be initially selected as the default payment account male 4. 接着,不同于上面在图17A中所述的选择图形按钮790 以便使用默认支付账户5M启动支付,付款人可以选择图形按钮792以便选择图18中描述的iTunes®账户作为所选择的支付方法。 Next, unlike in FIG. 17A above the pattern selection button 790 to use the default payment account 5M initiate payment, the payer may select a graphical button 792 to select the account iTunes® FIG. 18 described as the payment method chosen.

[0259] 应当注意,所说明的当前支付的原因778可以表示付款人欠收款人的债务的现金或货币总和,并且可以不必与通过iTunes®服务提供的一个或多个服务有关。 [0259] It should be noted that, because of the current payment described 778 may represent cash owed to the payer or the payee of the sum of currency debt, and may not necessarily with one or more of the services provided by iTunes® related services. 不过,当前附图示出了可以如何在付款人和收款人之间达成协议,以便使用非现金资产(在该例子中是iTunes®积分)来满足债务。 However, current figures show how you can reach an agreement between the payer and the payee, in order to use non-cash assets (iTunes® integration is in this example) to satisfy the debt.

[0260] 继续到图19B,在选择图形按钮792之后,付款人可以进入之前在上面参考图14E 所述的屏幕566。 [0260] Continuing to FIG. 19B, after selecting the graphic button 792, before the payer can enter the screen 566 in the above with reference to FIG. 14E. 如上面讨论的,屏幕566可以显示多个图形按钮570,572,574,576和578,它们中的每一个对应于可由付款人选择的支付种类。 The screen 566 may be displayed as discussed above, the plurality of graphical buttons 570,572,574,576 and 578, each of which payment types corresponding to a selection by the payer. 如图19B所示,付款人可以选择图形按钮574以便进入屏幕828。 19B, the payer may select a graphical button 574 to enter the screen 828. 屏幕拟8可以显示当前存储在付款人设备92上的所有iTunes®账户的列表604。 Quasi screen 604 may display a list of all 8 iTunes® account currently stored in the device 92 of the payer. 相应地,付款人可以选择所希望的iTunes®账户830用作当前交易808中的支付账户。 Accordingly, the payer can select the desired 830 iTunes® account as a current account payment transactions 808.

[0261 ] 在选择iTunes®账户830之后,付款人可以返回图19B中的屏幕786,屏幕786可被更新以反映被选择作为支付方法的iTunes®账户830。 [0261] After selecting iTunes® account 830, the payer can return to screen 786 of FIG. 19B, the screen 786 may be updated to reflect the selected account as a payment method 830 iTunes®. 此后,付款人可以选择图形按钮832以便进入屏幕620。 Since then, the payer may select a graphic button 832 to enter the screen 620. 如上面讨论的,付款人设备92可以包括在从付款人设备92传输支付信息之前需要先提供授权PIN码的一个或多个安全特征。 , The payer device 92 as discussed above may include the need to provide a PIN code authorization or more security features prior to payment information transmitted from the payer device 92. 例如,如屏幕620所示,可以要求付款人在文本字段626中输入授权PIN 624。 For example, as shown in the screen 620, the payer can enter the required authorization PIN 624 626 in the text field. 一旦输入了授权PIN码624 (例如,通过数字键盘界面164),付款人可以通过选择图形按钮6¾授权iTuneS®账户信息830的发送。 Once authorized PIN code input 624 (e.g., via the numeric keypad interface 164), may be authorized to send iTuneS® payer account information by selecting the graphic button 830 6¾.

[0262] 现在继续到图19C,此处示出的屏幕给出了在接收到iTuneS®支付账户信息830 之后,可被显示在收款人设备10上的屏幕图像。 [0262] Continuing now to FIG. 19C, the screen shown here given screen image iTuneS® After receiving the payment account information 830 may be displayed on the recipient device 10. 如上面讨论的,可以通过搭接操作814建立NFC连接(如图18所述),来执行支付信息830的接收。 As discussed above, by establishing overlapping operating NFC connection 814 (FIG. 18), to receive payment information 830 is performed. 在接收到支付信息830之后,可以在收款人设备10上显示通知屏幕800。 After receiving the payment information 830, 800 may display a notification screen 10 on the recipient device. 屏幕800可以包括通知消息802,通知收款人已经从付款人788处接收到以标号776指示的支付数目。 Screen 800 may include a notification message 802, the recipient has received notification from the number of the payment to the payer 788 to 776 indicated by reference numeral. 屏幕800还可以显示图形按钮804 和图形按钮806,通过图形按钮804,用户可以继续另外的步骤以便完成交易处理,通过图形按钮806,用户可以选择取消当前交易。 800 screen can also display graphical buttons 804 and a graphic button 806, by 804, the user can continue additional steps in order to complete the transaction processing graphical buttons, graphical button 806, the user can choose to cancel the current transaction.

[0263] 例如,通过选择图形按钮804,如上面在图14J中描述的,用户可以进入屏幕674。 [0263] For example, by selecting the graphic button 804, as described above in FIG. 14J, the user may enter the screen 674. 屏幕674可以显示收款人身份774、付款人身份788、所请求的支付数目776、以及所选择的支付方法——iTunes®账户830。 Screen 674 may display the identity of the payee 774, the number of payment the payer's identity 788, requested 776, and the selected payment method 830 --iTunes® account. 应当理解,所请求的支付数目可以用存储在付款人的iTunes®账户830内的“积分”表示。 It should be appreciated that the number of the payment request may represent the "integral" in the payer's iTunes® account 830 with storage. 如图19C的屏幕674所示,存入账户最初可被选择为默认存入账户216。 Screen 674 shown in FIG. 19C, deposit account may be initially selected as the default 216 into account. 此处,取代选择图形按钮686以便将支付存入默认存入账户216,收款人可以选择图形按钮688以便选择替换的存入账户。 Here, instead of selecting the graphic button 686 in order to pay the deposit account into default 216, the recipient may select a graphic button 688 to select an alternative deposit account.

[0264] 在选择图形按钮688之后,收款人可被导航到屏幕836,除了由屏幕836提供的功能涉及对存入账户而不是支付账户的选择之外,屏幕836可以类似于上面在图19B中描述的屏幕566。 [0264] After selecting the graphic button 688, the recipient can be navigated to the screen 836, in addition to the function provided by the screen 836 relates to the outside into account rather than the account payment options, similar to the above screen 836 in FIG. 19B screen 566 is described. 屏幕836可以包括提示838,指示收款人从下列以图形按钮840,842,844,846 和848表示的存入账户种类中选择一个。 Screen 836 may include a prompt 838 indicating the recipient of the following graphical buttons 840,842,844,846 and 848 into account the type of representation selected from a. 为了选择可兼容的账户(在该例子中是iTunes® 账户)以便接收付款人发送的支付,用户可选择图形按钮844,从而使得用户进入屏幕850。 To select compatible account (in this example iTunes® account) for receiving the transmitted payer payment, the user may select a graphical button 844, the screen 850 so that the user enters. 屏幕850可以包括存储在收款人设备10上的所有iTunes®账户的列表。 Screen 850 may include a list of all accounts iTunes® stored on the recipient device 10. 相应地,收款人可以选择iTunes®账户852作为当前交易808中的存入账户。 Accordingly, the recipient can choose iTunes® account 852 808 as the current transaction in the deposit account.

[0265] 在选择iTunes®账户852之后,收款人可以返回屏幕674。 [0265] After selecting iTunes® account 852, the recipient may return to the screen 674. 如图19D所示,更新的屏幕674可以显示iTunes®账户852作为选择的存入账户。 As shown in FIG. 19D, the screen 674 may display the updated account deposit account 852 as iTunes® selected. 另外,在更新的屏幕674上可以用图形按钮邪4取代图形按钮686。 Further, on the screen 674 can be used to update the graphical button graphic button 686 evil 4 substituents. 在选择图形按钮邪4之后,传输交易信息816的处理——如上面讨论的,交易信息816可以包括关于选择的支付账户830以及选择的存入账户852的信息——可被传输到iTunes®服务器818,以便处理由付款人在图19A和19B 中发起的支付。 After selecting evil graphical button 4, the transmission processing of transaction information 816 - As discussed above, the transaction information 816 may include a payment account 830 on the selected information into account and selecting 852 - it may be transmitted to the server iTunes® 818, for processing initiated by the payer in FIGS. 19A and 19B payment. 如果交易出于一个或多个原因没有完成,可以在收款人设备10上显示屏幕700。 If one or more of the reasons for the transaction is not completed, the screen can display 700 on the recipient device 10. 屏幕700可以通知收款人关于交易为什么失败的原因。 Screen 700 may notify the payee about the reasons why the transaction failed. 例如,在示出的实施例中,通知消息708可以通知收款人,付款人的iTunes®账户830中没有足够的积分来满足支付数目776。 For example, in the embodiment illustrated, the notification message 708 may inform the payee, the payer's account iTunes® 830 points is not enough to meet the 776 number of the payment. 可替换地,如果成功完成了交易,可以在收款人设备10上显示屏幕712。 Alternatively, if the transaction is completed successfully, the screen can display 712 on the recipient device 10. 屏幕712 可以包括通知消息714,其通知收款人来自付款人的iTunes®账户830的积分已被存入收款人的iTunes®账户852。 Screen 712 may include a notification message 714, 830 of its integration iTunes® account payee notification from the payer's account has been credited iTunes® 852 payee. 通知消息714还可以通知收款人已经向付款人提供了关于完成的交易的收据。 Notification message 714 may also notify the payee has provided a receipt of the transaction to the payer on completion.

[0266] 在本技术的另一种实现中,支付数目可被直接存入iTunes®礼品卡。 [0266] In another implementation of the present technology, the number of payments can be deposited directly into iTunes® gift cards. 例如, iTunes®服务器818可以维持与礼品卡相关联的账号。 For example, iTunes® server 818 may maintain an account with the gift card is associated. 在接收到并且授权了交易信息816之后,iTunes®服务器818可以将可以是iTunes®积分形式的支付数目存入收款人的iTunes礼品卡账户。 After receiving authorization and transaction information 816, iTunes® server 818 can be iTunes® integration in the form of the number of paid into the recipient's iTunes gift card account. 因此,收款人可以使用该礼品卡给收款人的iTunes®账户增加附加礼品积分和/或用存储在礼品卡上的积分兑换可下载的媒体内容,诸如音乐文件、电影文件、有声读物、播客等。 Therefore, the recipient can use the gift card to the payee's iTunes® account to add additional gift points and / or used storage redeem downloadable gift card on media content, such as music files, movie files, audio books, podcasts.

[0267] 虽然已经根据在两个电子设备(诸如收款人设备10和付款人设备9¾之间的交易处理描述了上述实施例,但是当前描述的技术的别的实现还可以包括这样的交易:其中收款人设备10从通常以付款人设备92表示的类型的便携或非便携电子设备之外的来源接收支付信息。例如,现在参考图20,示出了借助此处以标号862所示的智能卡向收款人设备10进行支付的交易860的示意图。智能卡862可以类似于常规的信用卡,但是还可以包括存储装置,诸如安全存储芯片864。存储芯片864可配置为存储关于以印刷在智能卡862 上的信息表示的信用卡账户或银行账户的信息(例如,如果智能卡862是借记卡)。例如, 存储芯片864可以包括对应于智能卡的账号、账户持有人的名称、以及与智能卡账户相关联的到期日期、以及关于付款人的智能卡账户的任何其它相关信息。 [0267] Although according to the two electronic devices (such as a transaction processing device 10 between the payee and the payer device 9¾ embodiments described above, but the other implementation techniques presently described may further include a transaction: wherein the outside 10 of the type generally represented by the payer's mobile device 92 or portable electronic device receives payment information source payee device. For example, referring now to FIG. 20, there is shown by reference numeral 862 in the smart card shown here 860 schematic transactions paid to the payee device 10. the smart card 862 may be similar to conventional credit cards, but may also include a storage device, such as a secure storage chip 864. the memory chip 864 can be configured to store information on a smart card printed on 862 credit card account or bank account information indicated (for example, if the smart card 862 is a debit card). for example, memory chip 864 may include corresponding to the account number of the smart card, the account holder's name, as well as with the smart card associated with the account expiration date, as well as any other relevant information regarding the smart card account of the payer.

[0268] 在示出的实施例中,存储芯片864可以使用例如RF信号借助通过磁场感应建立的NFC连接与外部设备(诸如收款人设备10)通信。 [0268] In the illustrated embodiment, the memory chip 864 may communicate using NFC, for example, by means of an RF signal is connected to an external device through the established magnetic field induction (such as the payee device 10). 如本领域技术人员理解的,智能卡与上述电子设备(例如,收款人设备10,付款人设备92)的不同之处可以在于,虽然智能卡862 包括电子组件,即,存储芯片864,但是智能卡862不包括一般可以与电子设备相关联的电源或处理设备。 As those skilled in the art will appreciate, the smart card and the electronic device (e.g., the recipient device 10, the payer device 92) is different from the can that, while the smart card 862 includes an electronic component, i.e., the memory chip 864, the smart card 862 generally does not include an electronic device associated with the power supply or the processing device. 而是,智能卡862可以依赖内置感应器来捕捉可从收款人设备10诸如借助NFC设备46传输的RF信号,并且由此使用该RF信号临时给存储芯片864的电子组件提供电力,从而可将存储在其上的数据传输到接收设备。 Instead, the smart card 862 may depend on the internal sensors can be captured from the recipient device 10, such as a RF signal 46 transmitted by the NFC device, using the RF signal and thereby provide power to the temporary memory chip electronic component 864, which can be stored thereon data transmission to the receiving apparatus. 如本领域技术人员理解的,来自智能卡的信息传输可以与上面讨论的NFC技术以及其它已知标准,诸如例如,IS0/IEC 14443和ISO 15693 相符。 As appreciated by those skilled in the art, the NFC transmission of information from the smart card technology may be as discussed above, and other known standards, such as e.g., IS0 / IEC 14443 and ISO 15693 match.

[0269] 如图20所示,可以通过支付请求384发起交易860。 [0269] As shown in FIG 20, the request 384 may initiate a transaction by payment 860. 在发起支付请求384时,收款人设备10的NFC设备46可被加电,以激活NFC接口60并且提供RF信号。 When the payment request is initiated 384, the recipient device 10 to the NFC device 46 may be powered, and to activate the NFC interface 60 provides an RF signal. 因此,可以通过将激活的收款人设备10搭接到智能卡862建立NFC连接388。 Thus, by activating the payee device 10 landed on the smart card 862 establish an NFC connection 388. 在检测到从收款人设备10 发射的RF信号之后,智能卡862可以使用一部分信号感应存储芯片864,以便借助通过搭接操作386建立的NFC连接388向收款人设备传输信息,诸如以标号866表示的智能卡信息。 After detecting the RF signal emitted from the recipient device 10, the smart card 862 may use a portion of the memory chip signal sensor 864, an NFC connection means 388 for transmitting information to the recipient device 386 by establishing overlapping operations, such as in reference numeral 866 smart card information represented. 在某些实施例中,智能卡862可以对RF信号整流。 In certain embodiments, the smart card 862 can rectify the RF signal.

[0270] 收款人设备10在接收到智能卡信息866之后可以进一步请求账户持有人,付款人,提供附加验证信息,诸如提供要从智能卡862支取的数目,以及在某些实施例中,提供一个或多个安全验证动作。 The number of [0270] the recipient device 10 after receiving the information of the smart card 866 may further request the account holder, payer, to provide additional authentication information, provided from the smart card 862 such as a withdrawal, and in some embodiments, there is provided one or more security validation action. 作为例子,一个这种安全验证动作可能需要付款人提供对应于智能卡862的卡验证值(CVV)。 By way of example, one such operation may require security authentication payer corresponding to a smart card card verification value (CVV) 862 a. CVV值可被印刷在智能卡862上,但是可能不能从存储芯片864传输或存储在存储芯片864本身上。 CVV value may be printed on the smart card 862, but may not be transmitted from the memory chip 864 or 864 stored on the memory chip itself. 因此,应当理解,这些附加的安全验证过程可以防止智能卡862未授权地发起支付。 Therefore, it should be understood that these additional security verification process to prevent unauthorized smart card 862 initiates a payment.

[0271] 如上面一般描述的,除了智能卡账户信息、支付账户和上述安全信息(例如,CVV 码)之外,收款人可以选择收款人设备10上的适当存入账户。 [0271] As generally described above, in addition to the smart card account information, security information and said payment account (e.g., the CVV code), the recipient can select the appropriate device into the payee's account on 10. 此后,该信息,其被统称为交易信息并且被以框868表示,可被传输到一个或多个金融服务器100。 Thereafter, the information, which is referred to as the transaction information and is represented by a block 868, which may be transmitted to one or more financial server 100. 具体地,交易信息868 可被借助网络870传输到金融服务器380。 Specifically, the transaction information 868 can be transmitted by means of 870 financial network to the server 380. 金融服务器380可以对应于提供或维持收款人所选择的存入账户的金融机构。 Financial server 380 may correspond to the recipient to provide or maintain financial institution selected deposit accounts. 通过其传输交易信息的网络870可以包括上面描述的任何适合网络之一,诸如通过收款人设备10的通信接口56提供的网络。 One of its transmission through the network 870 may include transaction information described above, any suitable network, such as a network communications interface 56 provided by the recipient device 10.

[0272] 在接收到交易信息868之后,金融服务器380可以进一步借助网络876将此处以框872表示的付款人的智能卡账户信息传输给智能卡服务器874,网络876同样可由任何适合的网络提供,诸如LAN、WAN或WLAN。 [0272] After receiving the transaction information 868, the financial server 380 can further through the network 876 this impose smart card account information transmission box 872 represents the payer to the smart card server 874, network 876 can likewise be any suitable network provider, such as a LAN , WAN or WLAN. 智能卡服务器874可以与维持对应于智能卡862的账户的信用卡提供商相关联。 Smart card server 874 may correspond to the smart card 862's account associated with the credit card provider to maintain. 如以标号878表示的,智能卡服务器874可以执行一个或多个验证和/或授权处理,其中例如对付款人的智能卡账户872的有效性和资金充足性进行验证。 As indicated by reference numeral 878, the smart card server 874 may execute one or more authentication and / or authorization process, wherein the validity and adequacy of the smart card financial account of the payer 872 such as authentication. 另外,如果付款人的智能卡账户872被确定为有效并且具有足够资金以完成所请求的支付384,智能卡服务器874可以借助网络876向金融服务器380发送授权消息。 In addition, if the payer's account smart card 872 is determined to be valid and has sufficient funds to complete the requested payment of 384, 380 smart card server 874 may send an authorization message to the financial server through the network 876.

[0273] 在接收到授权消息之后,金融服务器380可以完成交易,由此从付款人的智能卡账户872支取对应于所请求的支付384的数目,并且将该数目存入收款人选择的存入账户。 [0273] After receiving the authorization message, financial server 380 may complete the transaction, whereby the number corresponding to the requested payment 384 to withdraw from the smart card 872 of the payer account, and this number is stored into the selected payee account. 一旦成功完成了交易860,可从金融服务器380向收款人设备10发送确认消息882。 Upon successful completion of the transaction 860, 882 may send a confirmation message to the recipient device 10 from the financial server 380. 另外, 如以标号882所示,一个或多个金融服务器100之一,诸如金融服务器380或智能卡服务器874,可以向付款人传输确认智能卡账户872已被支取的收据。 Further, as shown by reference numeral 882, one or more of a financial server 100, such as the financial server 380 or smart card server 874, the smart card can be confirmed withdrawal account 872 has been transmitted to the payer receipt. 在一个实施例中,一个或多个金融服务器100之一可以向与智能卡账户872相关联的电子邮件传输电子收据。 In one embodiment, one or more of a financial server 100 may provide the smart card account 872 associated with the transmission of electronic mail receipt.

[0274] 当应用于图IlA给出的方法3¾时,可以参考图21A进一步理解收款人设备10和智能卡862之间的交易860的处理。 [0274] When the method is applied to analysis of FIG IlA 3¾, it can be further understood with reference to FIG. 21A 860 processing a transaction between the smart card 10 and the payee devices 862. 具体地,图21A以附加细节示出了方法3¾应用于本实施例时的某些步骤。 In particular, FIG. 21A shows in additional detail certain steps of the method when applied to the present embodiment 3¾. 例如,在当前实施例中,向付款人传输费用清单的步骤334可以包括,如以步骤888所示,提供物理或口头支付请求。 For example, in the present embodiment, transmission costs to the payer may include the list of step 334, as shown in step 888, providing physical or verbal payment request. 例如,在将智能卡信息866传输给收款人设备之前,收款人和付款人可以针对支付项目相互达成一致意见。 For example, before the smart card information is transmitted to the recipient device 866, the payee and the payer may mutually agree to pay for the project. 一旦针对支付项目达成了一致意见,从付款人获取支付信息的步骤可以包括发起收款人设备10和智能卡682之间的NFC连接,如步骤890所示,其中通过NFC连接,存储在存储芯片864上的智能卡账户信息866可被传输给收款人设备10。 Once payment for the project reached a consensus on steps to obtain payment from the payer information may include initiating a connection between the payee NFC device 10 and smart card 682, as shown in step 890, which is connected via NFC, stored in the memory chip 864 smart card account information on the 866 can be transmitted to the payee device 10. 例如,如上面在图20中所示,该步骤可以对应于借助搭接操作386建立NFC连接388。 For example, as shown above in FIG. 20, which may correspond to step 386 by overlapping operation 388 NFC connection is established.

[0275] 一旦已经从智能卡862的存储芯片864传输了智能卡账户信息866,如以步骤892 所示,其可被收款人设备10使用NFC连接388接收。 [0275] Once the smart card has been transmitted account information 866 from the memory chip 864 of the smart card 862, as shown in the step, which can be connected to a payee using the NFC device 10 receives 388 892. 在接收到智能卡账户信息866之后,在步骤338可以在收款人设备10上选择存入账户。 After receiving the smart card account information 866, stored at step 338 may select the recipient device 10 on account. 此后,在判断步骤340,如以步骤894所示, 智能卡账户信息866以及选择的存入账户信息可被传输到一个或多个金融服务器100以便验证和处理。 Thereafter, at decision step 340, as shown in the step, and the smart card 866 stores account information, account information selected can be transmitted from 894 to 1 100 or more financial server for verification and processing. 验证智能卡账户872和存入账户的处理可以包括判断步骤896和898。 Verification smart card into account 872 and account processing may include steps 896 and 898 is determined. 例如, 判断步骤896可以包括确定智能卡账户和选择的存入账户是否兼容。 For example, the determination of step 896 may include determining a smart card account and select the deposit account is compatible. 如上面讨论的,在当前上下文中,术语“兼容”指存入账户是否被配置为接收来自智能卡账户的信用卡支付。 As discussed above, in the current context, the term "compatibility" refers to whether the deposit account is configured to receive credit card payments from the smart card account. 如果在步骤896确定智能卡账户和所选择的存入账户兼容,方法3¾可以进入判断步骤898, 其中进一步确定付款人提供的智能卡账户872是否有效,以及是否具有足够资金(例如,信用限额)以满足所请求的支付384。 If, at step 896 determines smart card account and the selected deposit account is compatible method 3¾ may enter judgment step 898, which further define the smart card account 872 payer is valid and has sufficient funds (for example, credit limit) to meet 384 payment requests. 如果确定智能卡账户有效并且具有足够资金,则可以处理交易,其中收款人在方法328的步骤346接收支付,此后在步骤348完成交易860。 If it is determined the smart card account is valid and has sufficient funds, it can process transactions, in which the payee receives the payment method steps 328 346, then in step 348 to complete the transaction 860.

[0276] 返回判断步骤896和898,如果确定账户不兼容或智能卡账户无效或缺少足够资金来履行所请求的支付,则方法可以进入判断步骤342,其中收款人可以确定是否重新协商支付项目。 [0276] returns to the decision step 896 and 898, to determine if the account is not compatible or smart card is invalid or the account lacks sufficient funds to fulfill payment requested, the method may enter judgment step 342, where the recipient can determine whether to renegotiate payment programs. 如果收款人不希望重新协商支付项目,则可以在步骤344取消交易。 If the recipient does not want to renegotiate the payment program, you can cancel the transaction at step 344. 可替换地, 如果收款人选择修订支付项目,则收款人可以从属于付款人的另一个智能卡获取信息,从而方法返回步骤892,或收款人可以在步骤338选择替换的存入账户。 Alternatively, if the recipient choose to pay the revised project, the recipient can obtain information belonging to the payer of another smart card, thereby method returns to step 892, 338 or recipient can choose to replace the step into account. 应当理解,重新协商支付项目可以取决于在步骤896和898做出的判断的结果。 It should be understood, to renegotiate payment programs may depend on the result in step 896 and 898 to make a judgment. 另外,虽然图21A未示出,步骤342的支付项目重新协商还可以包括进行这样的交易,其中支付信息被存储在电子设备(诸如上面在图12A-C中描述的付款人设备9¾上,并且被传输到收款人设备10。 Further, although not shown in FIG. 21A, step 342 renegotiate payment programs may further comprise performing such transactions, wherein the electronic device is in (the payer payment information storage device, such as described above 9¾ in FIGS. 12A-C, and 10 is transmitted to the payee device.

[0277] 现在继续图21B,根据上面在图20中描述的交易860,从付款人的角度更详细地描述了方法360的某些步骤。 [0277] Continuing now 21B, the transaction 860 in accordance with the above described in FIG. 20, from a payer's perspective describes certain steps of a method 360 in more detail. 具体地,图21B更详细地示出了接收来自收款人的支付请求的步骤364,以及向收款人提供支付信息的步骤366。 In particular, FIG. 21B illustrates in more detail 364, step 366, and providing payment information to the payee payment request reception step from the payee. 如以步骤900所示,接收支付请求的步骤364可以包括接收物理的支付请求。 In step as shown in step 900 receives the payment request 364 may include receiving a payment request physics. 如上面讨论的,物理的请求可以包括收款人和付款人之间的关于使用智能卡862进行支付的项目的相互协议。 As discussed above, the request may include physical mutual agreement on the use of smart cards to pay 862 project between the payee and the payer. 此后,如果支付项目是令人满意的,付款人可以在步骤902接受这些项目。 Thereafter, if the project is satisfactory payment, the payer can accept these items in step 902. 在步骤904,付款人可以将智能卡862放置在可以包括NFC设备46的收款人设备的范围内。 In step 904, the payer 862 may be positioned within the smart card may include an NFC device payee device 46. 因此,当收款人设备给NFC设备46加电从而进入主动模式时,存储在存储芯片864上的信息,其可以包括智能卡账户信息866,可被借助通过搭接操作386建立的NFC连接388从智能卡862传输到收款人设备10。 Thus, when the recipient device 46 to the NFC-powered device to enter the active mode, the information stored in the memory chip 864, which may include a smart card account information 866, 386 can be established by means of NFC overlapping operation from the connector 388 smart card 862 is transmitted to the recipient device 10. 此后,方法360可以进入判断步骤368,以及在图IlB中完整示出的该方法的其余步骤。 Thereafter, the method proceeds to decision step 360 may rest step 368, and the method in FIG IlB intact shown.

[0278] 现在继续到图22A-C,示出了多个屏幕图像,描绘出收款人设备10执行图20所述的交易时的操作。 [0278] Continuing now to FIGS. 22A-C, illustrating a plurality of screen images, depicts the operation of the transaction device 20, payee 10 performs FIG. 首先参考图22A,发起交易的处理可以从选择显示在屏幕110上的图形按钮114开始。 Processing Referring first to FIG 22A, the graphical display may initiate a transaction button 114 on screen 110 starting from the selection. 如上面讨论的,屏幕110可以表示交易应用的主屏幕(例如,以收款人设备10的主屏幕四上的图标34表示)。 As discussed above, the screen 110 may represent a home screen application transaction (e.g., represented by an icon 34 on the apparatus main payee four screen 10). 通过选择图形按钮114,如上面在图14A中描述的,收款人可以进入屏幕476,其可以显示图形按钮478,480和482。 By selecting the graphic button 114, as described above in FIG. 14A, the payee can enter the screen 476 which may display a graphical buttons 478, 480 and 482. 为了发起支付请求,用户可以选择图形按钮478,从而用户进入屏幕484。 In order to initiate a payment request, the user can select a graphic button 478, so that the user enters the screen 484. 如上面在图14A中讨论的,屏幕484可以显示多个图形按钮486,488和490,它们分别表示收款人设备10用于发起支付请求的不同技术和功能。 The screen 484 may display a plurality of graphical buttons 486, 488 and 490 as discussed above in FIG. 14A, the recipient device 10 are respectively different techniques and functions for initiating payment request. 例如,根据上面在图12A-C中描述的交易,如上所述的图形按钮486可以表示请求支付的功能。 For example, in accordance with the transaction described above in FIGS. 12A-C, as described above, a graphic button 486 may represent a payment request function. 此处,取代选择图形按钮486,收款人可以选择图形按钮488,以便指出支付请求被导向至涉及至少一个智能卡862的交易。 Here, instead of selecting the graphic button 486, the recipient may select a graphic button 488, to indicate the payment request is directed to transactions involving at least one smart card 862.

[0279] 在选择图形按钮488之后,收款人可以进入屏幕910。 [0279] After selecting the graphic button 488, the recipient can enter the screen 910. 屏幕910可以包括通知消息912,通知消息912指示收款人,为了完成交易,智能卡862的所有者(例如,付款人)必须执行至少一个安全验证动作,诸如如上面讨论的提供CVV码。 Screen 910 may include a notification message 912, 912 notification message indicating the recipient, in order to complete the transaction, the owner of the smart card 862 (for example, the payer) must be performed at least a security authentication action, such as CVV code provided above discussion. 屏幕910还可以显示图形按钮914和916。 910 screen can also display graphical buttons 914 and 916. 图形按钮914可以表示这样的功能,借助该功能,可以通过给NFC设备46 加电发起支付请求。 Graphical button 914 may represent a function, by means of which the function may be initiated by a payment request to the NFC device 46 is powered. 另外,通过选择图形按钮916,收款人还具有取消支付请求的选项。 In addition, by selecting the graphic button 916, the recipient also has the option to cancel the payment request. 在选择图形按钮914之后,收款人设备10的NFC设备46可被加电,从而激活NFC接口60。 After selecting the graphic button 914, the recipient device 10 to the NFC device 46 may be powered so as to activate the NFC interface 60. 相应地,屏幕910可被更新以显示通知消息918,其通常通知用户NFC接口当前被激活,并且还指示用户将收款人设备10搭接到付款人的智能卡862。 Accordingly, the screen 910 may be updated to display the notification message 918, which notifies the user typically NFC interface is currently activated, and further instructs the user to a payee device 10 take the smart card 862 of the payer.

[0280] 现在参考图22B,示出了借助图20中所示的搭接操作386建立收款人设备10和智能卡862之间的NFC连接。 [0280] Referring now to 22B, the 386 shows a payee established between NFC device 10 and the smart card 862 by overlapping operation shown in FIG 20 is connected. 如上面讨论的,给NFC设备46加电可将收款人设备置于主机或主动模式392。 As discussed above, the power to the NFC device 46 may be placed in the recipient host apparatus 392 or the active mode. 当处于主动模式的设备10被放置在与可以处于被动模式390的智能卡862 相距在可接受距离(以距离514表示)以内时,可以在收款人设备10和智能卡862之间建立NFC连接388。 When the device is in active mode 10 is placed in the smart card 862 may be in a passive mode 390 in an acceptable distance apart (distance indicated by 514) within, the recipient may be established between the NFC device 10 and the smart card 862 is connected 388. 因此,通过磁场感应,可以存储智能卡账户信息的存储芯片864可被临时加电,以便借助建立的NFC连接388将智能卡信息传输给收款人设备10。 Thus, by sensing the magnetic field, may be stored memory chip 864 of the smart card account information can be temporarily powered in order to establish the connection means 388 of the NFC smart card 10 information to the payee device. 现在返回图22A, 可以在屏幕910中示出智能卡账户信息866从存储芯片864的传输,屏幕910包括更新的通知消息920,其通常向收款人指出收款人设备10正在接收智能卡信息。 Returning now to FIG. 22A, the screen 910 may be a smart card shown in the account information 866 transmitted from the memory chip 864, the screen 910 includes the update notification message 920, which typically indicates to the recipient the recipient device 10 is receiving the smart card information.

[0281] 一旦智能卡账户信息866已被传输到收款人设备10,可以显示屏幕924。 [0281] Once the smart card 866 account information has been transmitted to the recipient device 10 may display a screen 924. 屏幕924 可以显示智能卡账户信息866,其包括,例如,账户持有人身份928、账号930、以及与账户相关联的到期日期932。 Screen can display 924 866 smart card account information, including, for example, the identity of account holders 928, account number 930, as well as the expiration date associated with the account 932. 屏幕拟4还可以显示当前选择的存入账户,如上面参考图8描述的, 其最初可以显示默认存入账户216。 4 intends screen may also display the currently selected into account, as described above with reference to FIG. 8, which may display a default initial deposit account 216. 另外,屏幕拟4可以包括上面参考图14J描述的图形按钮686、688和690。 Further, the screen 4 may include a proposed above with reference to FIG 14J described graphical buttons 686,688 and 690. 通过选择图形按钮686,收款人可以进入屏幕936,如上面讨论的,屏幕936可以表示付款人所需的一个或多个安全验证动作。 By selecting the graphic button 686, the recipient may enter the screen 936, the screen 936 may represent one or more security authentication required for the operation of the payer, as discussed above.

[0282] 如屏幕936所示,提供了文本字段938、940和942,可以通过它们要求付款人输入所需数据。 As shown in [0282] The screen 936, a text field 938, 940 and 942, the payer can enter the required data they require. 例如,可以要求付款人在文本字段938中输入支付数目。 For example, the payer can enter the number required in the text field 938 of the payment. 如上面讨论的,可以在图21A的步骤888在收款人和付款人之间针对支付数目相互达成一致意见。 As discussed above, can 888 between the payer and the payee pay each other for a number of consensus in the step of FIG. 21A. 还可以要求付款人在文本字段940中输入智能卡上的CVV码。 CVV payor may also require the input code on the smart card 940 in the text field. 如上面讨论的,该步骤可以构成附加的安全措施,从而防止来自智能卡862的未授权的支付发起,诸如在没有得到付款人同意而获得了存储在存储芯片864上的智能卡账户信息866的情况下。 As discussed above, this step may constitute additional security measures to prevent unauthorized payment from the smart card 862 is initiated, such as not getting the payer's consent to obtain a smart card account information 866 of the storage on the memory chip 864 at . 还可以给付款人提供在文本字段942内输入电子邮件地址的选项。 You can also provide the option to enter an email address in the text field 942 to the payer. 例如,电子邮件地址可被传输到一个或多个金融服务器100,并且随后如果交易860被成功完成,被用于给付款人提供电子收据。 For example, e-mail address can be transferred to one or more financial server 100, and then 860 if the transaction is successfully completed, the payer is used to provide an electronic receipt. 如屏幕936 上所示,付款人可以借助文本键盘160在文本字段938、940和942内输入上面讨论的数据。 As shown on the screen 936, the payer can use the text data input keyboard 160 discussed above in the text field 938, 940 and 942. 另外,对于需要数字输入的字段,如上面讨论的,付款人可以通过选择图形按钮162访问数字键盘164(图22C中未示出)。 Further, the field requires digital inputs, as discussed above, the payer 162 can be accessed by selecting the graphical button numeric keypad (not shown in FIG. 22C) 164.

[0283] 一旦在文本字段938、940和942内输入了信息,收款人可以通过选择图形按钮944 启动交易处理。 [0283] Once the text fields 938, 940 and 942 within the input information, the recipient can select the graphical button 944 to start the transaction processing. 可替换地,通过选择图形按钮946,收款人可以具有取消交易的选项。 Alternatively, by selecting the graphic button 946, the recipient may have the option to cancel the transaction. 此后, 如果交易出于一个或多个原因没有被成功处理,可以在收款人设备10上显示屏幕700。 After that, if the transaction for one or more reasons not successfully treated, can display screen 700 on the recipient device 10. 屏幕700可以显示通知消息948,其通知收款人关于为什么交易失败的原因。 Screen 700 may display a notification message 948 reasons that informs the recipient about why the transaction failed. 如图22C所示, 通知消息948可以指出在屏幕936的文本字段940中提供的CVV码不正确,并且因此,不能授权所请求的支付。 As shown in FIG. 22C 948 notification message may indicate incorrect CVV code field 936 of the text screen 940 is provided, and therefore, can not authorize the requested payment. 如果交易被成功地处理,可以在收款人设备10上显示屏幕712。 If the transaction is successfully treated, can display screen 712 on the recipient device 10. 如上面在图14J中讨论的,屏幕712可以显示通知消息714,通知消息714 —般通知用户在文本字段938中指定的数目的支付已被应用于所选择的存入账户216。 As discussed above in FIG. 14J, the screen 712 may display a notification message 714, message notification 714 - as a user notification has been applied to the selected account stored in the specified number of 216 938, a text field in pay. 通知消息714还可以通知收款人已经诸如通过在屏幕936的文本字段942中指定的电子邮件地址向付款人提供了收据。 Notification message 714 may also notify the payee has been such as to provide a receipt to the payer through screen text specified in the field 942 936 e-mail addresses.

[0284] 现在继续到图23和24,图23和M分别根据本公开的另一方面示出了交易952和970。 [0284] Continuing now to FIGS. 23 and 24, 23 respectively, and M according to another aspect of the present disclosure shows transactions 952 and 970. 具体地,如上面参考图14A讨论的,交易952和970可以表示由显示在屏幕484上的图形按钮490提供的功能。 Specifically, as discussed above with reference to FIG. 14A, 952 and 970 can represent transaction function provided by the display pattern on the screen 484 of the button 490. 例如,如下面更详细描述的,图23和M所示的交易可以依赖于使用收款人设备10上的照相机48来获取支付工具(诸如付款人的磁信用卡或支票)的图像。 For example, as described in more detail below, the transaction shown in FIGS. 23 and M may depend on the use of the camera 10 on the recipient device 48 to obtain payment instruments (such as a magnetic credit card or check payor) image.

[0285] 现在参考图23,可以通过获取付款人的信用卡94的图像发起交易952。 [0285] Referring now to FIG. 23, 952 can initiate a transaction by acquiring the image of the payer's credit card 94. 例如,支付请求可以源于收款人和付款人之间的协议,其中付款人同意使用信用卡%4履行所请求的支付。 For example, you can request payment from the agreement between the payer and the payee, the payer which agreed to use a credit card to pay 4% to fulfill the request. 因此,收款人可以给收款人设备上的照相机设备48加电或将其激活,并且获取付款人的信用卡954的图像956。 Thus, the recipient can payee device to the camera device 48 to activate or power, and acquires the payer's credit card images 956,954. 在接收到图像956之后,如以标号958所示,收款人设备10 可以诸如如上所述地通过使用光学字符识别(OCR)技术来处理图像956,以便提取对应于信用卡954的信用卡账户信息。 After receiving the image 956, as shown by reference numeral 958, the recipient device 10 may be such as described above by using optical character recognition (OCR) technology to process the image 956, so as to extract credit card account corresponding to the credit card information 954.

[0286] 一旦已经诸如通过适用于执行OCR处理的成像应用确定了对应于信用卡卯4的信用卡账户信息,收款人可以选择适当的存入账户。 [0286] Once it has been determined, such as credit card account information corresponding to the credit card sockets 4 by suitable imaging applications perform the OCR process, you may select an appropriate payee into account. 此后,可将此处以标号960总体表示的存入账户信息、提取的信用卡账户信息958以及附加数据(诸如所请求支付的数目)借助网络416传输到上面讨论的金融服务器380。 Since then, the label can be sentenced to 960 into this account information, credit card account information extracted 958 overall representation and additional data (such as the number of the request for payment) through the network 416 is transmitted to the financial server 380 discussed above. 如上面讨论的,金融服务器380可以对应于维持收款人所选择的存入账户的银行业务提供商。 As discussed above, the financial server 380 may correspond to maintain the payee bank service providers selected deposit accounts. 金融服务器380可以启动诸如上面参考图12A所述的一个或多个授权动作,它们可以包括借助网络420将此处以标号962所示的付款人的信用卡账户信息传输到外部信用卡服务器382。 Financial server 380 may initiate one or more actions of the authorization as described above with reference to FIG 12A, which may include a credit card account information is transmitted by means of the payer 962 network 420 shown in this reference to impose an external credit card server 382. 信用卡服务器382可以对应于维持付款人的信用卡账户962的信用卡提供商。 Credit card server 382 may correspond to maintain the payer's credit card account credit card provider 962. 如标号964所示,信用卡服务器382可以处理信用卡账户信息962,以便确定提供的信用卡账户是否是具有足够信用限额以履行所请求的支付的有效账户。 As indicated at 964, the server 382 can process credit card credit card account information 962, in order to determine whether to provide credit card account is with a credit limit sufficient to carry out a valid account payment requested.

[0287] 如果信用卡服务器382确定可以授权从指定的信用卡账户962中支取对应于所请求的支付的数目,则信用卡服务器382可以借助网络420向金融服务器380传输授权消息。 [0287] If the server 382 determines the credit card number may be authorized to pay corresponding to the requested withdrawal from the credit card account designated 962, the credit card authorization server 382 may transmit a message to the financial server 380 via network 420. 在接收到来自信用卡服务器382的授权之后,如以标号966 —般所示,金融服务器可以处理交易952。 After receiving authorization from the credit card server 382, ​​such as the numeral 966 - as shown in the financial transaction server can handle 952. 如上面讨论的,交易952的处理可以包括从信用卡账户962中支取支付请求中指定的数目,并且将相应数目存入或付入收款人的所选择的存入账户。 As discussed above, process 952 may include a transaction withdrawal payment number specified in the request 962 from the credit card account, and pay the corresponding number stored or deposited into the payee's account selected. 一旦交易952已经完成,可以借助网络416向收款人设备10传输确认消息。 Once the transaction has been completed 952, 416 may transmit a confirmation message to the recipient device 10 through the network. 另外,如果已知或提供了付款人的电子邮件地址,还可以向付款人传输确认支付的电子收据。 In addition, if it is known or provided an email address of the payer, the payer can also be transmitted to the electronic receipt confirming payment.

[0288] 上述关于获取表示付款人的信用卡卯4的图像956的交易技术还可应用于其它类型的支付工具,诸如对应于由付款人持有的支票账户的支票。 [0288] on access to the above means that the payer's credit card image 956 d 4 trading technology can also be applied to other types of payment instruments, such as corresponding to a check by the payer held a checking account. 例如,继续到图对,示出了交易970,其中使用照相机设备48获得由付款人提供的支票972的图像974,从而获取响应于支付请求的支付信息。 For example, continuing to FIG pair 970 shows a transaction, wherein the camera device 48 is provided is obtained by the payer's check images 974,972, thereby obtaining payment information in response to the payment request. 一旦由收款人设备10接收到图像974,如上所述,可以处理支票图像974,以便从支票图像974提取特定信息,诸如付款人的名称或身份、对应于付款人的银行业务提供商的代号、对应于付款人的银行账户的账号、以及对应于付款人的支票972的标识号。 Once the apparatus 10 is received by the payee to the image 974, as described above, the image processing checks 974 to extract specific information from the image check 974, such as a name or identity of the payer, to the payer's bank corresponding to the service provider code , corresponding to the account to the payer's bank account, and corresponds to the payer's check identification number 972. 一旦已经从支票图像974中提取了上面讨论的信息,收款人可以选择用于接收所请求的支付的适当存入账户。 Once the information has been extracted from the above-discussed check image 974, the recipient can select the appropriate payment for receiving a deposit account requested. 此后,如上面讨论的,此处以标号980总体表示的从支票图像974提取的信息、所选择的存入账户以及所请求的支付的数目可被借助网络416传输到金融服务器380。 Thereafter, as discussed above, where information extracted from the check image 974 to reference numeral 980 generally represented by the selected number into account, and the payment of the requested network 416 may be transmitted to the financial server 380 by means of.

[0289] 金融服务器380可以启动上面讨论的一个或多个授权动作,其可以包括借助网络420向此处以标号984示出的支票验证服务传输付款人的支票信息,诸如在图像处理步骤976中提取的支票信息。 [0289] financial server 380 may initiate one or more authorized actions discussed above, which may include a check verification means checks information transmission service to the payer herein by reference numeral 984 shows a network 420, such as in the image processing step of extracting 976 check information. 应当理解,支票验证服务可以执行关于支票的证实或验证的各种功能中的一个或多个。 It should be understood, check verification service can perform one or more functions for various checks to confirm or verify in. 例如,支票验证服务可以借助基于预订的服务向银行业务提供商、供应商和零售商提供这种服务,可以使用电话或通过上面一般描述的一个或多个网络访问这种服务。 For example, check verification services can help provide this service to the bank service providers, suppliers and retailers, subscription-based service, you can use the telephone or through the above general description of one or more network access such services. 在某些情况下,可由银行业务提供商自己推出或提供此处描述的支票验证服务。 In some cases, banks may provide service providers launch their own or check verification services described herein. 一般地,支票验证服务,诸如支票验证服务984,可以执行若干功能,它们可以包括验证付款人的身份,以及确定付款人是否具有提供空头支票(bounced check)的历史。 In general, check verification services, such as check verification service 984, can perform several functions, which may include verifying the identity of the payer, the payer and determine whether to provide a blank check (bounced check) history. 基于这些记录, 支票验证服务984可以确定提供的支票信息982是否可以被验证并从而被授权以满足所请求的支付。 Based on these records, check information 982 check verification service 984 can determine whether the offer can be verified and thus is authorized to meet the payment requested. 此处以标号986表示验证处理。 Here reference numeral 986 represents the validation process.

[0290] 如果支票验证服务984确定可以使用支票信息982执行所请求的支付,支票验证服务984可以借助网络420将授权消息传输给金融服务器380。 [0290] If the check determines the authentication service 984 may use the payment by check 982 to perform the requested information, the authentication service 984 may check with the network 420 transmitting an authorization message to the financial server 380. 在接收到授权消息之后,如以标号988所示,金融服务器380可以处理该交易,从而从对应于付款人的支票972的银行账户中支取所请求支付的数目,并且由此进一步将支取的数目存入收款人的存入账户。 The number after receiving the authorization message, as shown by reference numeral, the financial server 380 may process the transaction 988 to draw the number corresponding to the request for payment from the payer's bank account 972 of the check, and thus further withdrawal of deposited into the payee's account. 一旦交易已经完成,如此处以标号990所示,可借助网络416从金融服务器380向收款人设备10传输确认消息。 Once the transaction has been completed, so impose a reference numeral 990, the network 416 may be by means of an acknowledgment message from the financial server 380 to transmit the payee device 10. 另外,如果付款人已经提供了电子邮件地址,如上所述,可以向付款人传输电子收据。 In addition, if the payer has provided e-mail address, as described above, it can transmit an electronic receipt to the payer.

[0291] 图23和M分别所示的交易952和970的各个步骤可以分别对应于在图IlA和IlB的方法3¾和360中描述的一个或多个步骤。 [0291] FIGS. 23 and M are each transaction shown in steps 952 and 970 may correspond to one or more of the steps described in the method of FIG 3¾ IlA and IlB and 360. 例如,图像956和图像974的获取可以对应于从付款人获取支付信息的步骤336。 For example, image 956 and image 974 may correspond to step 336 of acquisition information for acquiring the payment from the payer. 另外,接受支付请求和提供信用卡%4或支票972 的动作可以对应于方法360给出的向收款人提供支付信息的步骤366。 Further, receiving a payment request and credit card check 972% 4 or actions may correspond to step 366 to provide information to a payee payment method 360 is given. 现在参考图25A和25B,根据当前示出的实施例,更详细地给出上面强调的步骤336和366。 Referring now to FIGS. 25A and 25B, according to the current embodiment illustrated embodiment, steps 336 and 366 are given in greater detail highlighted above.

[0292] 参考图25A,向付款人传输或提供费用清单(其可以表示支付请求)的步骤334可以包括提供物理的支付请求的步骤888。 [0292] Referring to FIG 25A, the payer or the cost of providing transmission list (which may represent a payment request) in step 334 may include the step of providing a physical payment request 888. 例如,如上面参考图21A讨论的,步骤888可以包括在付款人提供信用卡%4或支票972以便进行图像获取之前,在收款人和付款人之间达成关于支付项目的相互协议。 For example, as discussed above with reference to FIG. 21A, step 888 may include providing a credit card or a check 4% in prior to the payer 972 for image acquisition, payment programs on mutual agreement between the payer and payee. 接着,当根据当前示出的实施例执行时,方法328的步骤336 可以包括步骤994和996。 Next, when performing the presently illustrated embodiment, the method 336 may include step 328 of step 994 and 996. 如当前附图所示,步骤994可以对应于启动照相机设备48以便获取图像的步骤。 As shown in the present illustration, step 994 may correspond to a camera device 48 to start the image acquisition step.

[0293] 接着,在步骤996,可以使用启动的照相机设备48获取图像,并且可以反映图23 所示的信用卡958、图M所示的支票972或可以从其图像提取支付信息的任何其它类型的支付工具的图像。 [0293] Next, at step 996, the camera may be used to start the image acquisition device 48, and may reflect the credit card 958 shown in FIG. 23, any other type of check 972 as shown or may payment information extracted from the image map M image tools payments. 一旦在步骤776获取了图像,如以步骤998所示,可以从获取的图像中提取支付信息。 Once the image is acquired at step 776, as shown in step 998, payment information can be extracted from the image acquired. 此后,收款人可以在步骤338选择适当的存入账户,并且进行到授权所请求的交易的判断步骤340。 Thereafter, the payee 338 can select an appropriate step into account, authorization and proceeds to decision step 340 the requested transaction. 如当前附图所示,当根据当前示出的实施例被执行时,如上面参考图21A讨论的,判断步骤340可以包括步骤694、696和698。 As shown in the current drawings, when executed according to the current embodiment illustrated embodiment, as discussed above with reference to FIG. 21A, step 340 may comprise determining steps 694, 696 and 698. 因此,应当理解,可以参考交易952和970执行的交易授权步骤一般可以与在上面讨论的实施例中描述的授权步骤大体相同。 Thus, it should be understood that reference to a transaction authorization transactions 952 and 970 may generally be substantially the same steps performed with the authorization steps described in the embodiments discussed above.

[0294] 现在参考图25B,更详细地示出了从付款人的角度,当根据当前示出的实施例执行时,方法360的步骤364和366。 [0294] Referring now to 25B, the more detail is shown from the perspective of the payer, when performed according to the current embodiment illustrated embodiment, method steps 360 and 364 366. 例如,如以标号364表示的,接收来自收款人的支付请求的步骤可以包括接收物理的支付请求的步骤900。 For example, as indicated by reference numeral 364, the step of receiving a payment from a payee payment request may include a step 900 of receiving a physical request. 如上面讨论的,物理的请求可以包括在收款人和付款人之间关于以信用卡%4还是支票972进行支付的项目达成的相互协议。 As discussed above, the request may include physical mutual agreement between the payee and the payer on the project paid for by credit card or check 972% 4 reached. 接着,如以标号366表示的,向收款人提供支付信息的步骤可以包括步骤902、999和1000。 Step Next, as indicated at reference numeral 366, providing payment to a payee information may comprise steps 1000 and 902,999. 例如,如上面讨论的,如果针对所请求支付的项目达成一致意见,付款人可以在步骤902接受支付请求。 For example, as discussed above, if you agree to pay for the items requested, the payer can accept payment request in step 902. 此后,付款人可以在步骤999选择支付方法,其可以包括信用卡954、支票972或任何其它类型的适合的支付工具。 Thereafter, the payer can select a payment method at step 999, 954 which may include credit cards, checks 972, or any other suitable type of payment. 一旦选择了所希望的支付方法,付款人可以将所选择的支付方法提供给收款人设备10以便以照相机48进行图像获取。 Once the desired payment method selected, the payer may be selected payment method to the payee device 10 provided for the camera 48 to image acquisition.

[0295] 现在参考图26A-26D和图27A-27G更详细地解释以图23和M —般示出的交易, 图^A-26D和图27A-27G可以示出各种屏幕图像,这些屏幕图像给出了用于操作收款人设备10以便如图23和M分别所示的那样执行交易952或970的技术。 [0295] Referring now to FIGS. 26A-26D and 27A-27G explained in more detail in FIGS. 23 and M - as shown in the transaction, FIGS ^ A-26D and 27A-27G illustrate various screen images may be, these screens the image shows the technique for operating the apparatus 10 to the payee as shown in FIG. 23 and M are performed as transaction 952 or 970. 具体地,图26A-26D 所示的屏幕图像可以示出对应于图23的信用卡%4的图像的获取,以及使用获取的图像对交易进行的后续处理。 Screen image, as shown in FIGS. 26A-26D may particularly correspond to the image shown in FIG. 23 is a credit card 4% of the acquisition and subsequent processing using the acquired images of the transaction. 图27A-27G可以一般地给出对应于图M的支票972的图像的获取, 以及从收款人设备10的角度对交易970的后续处理。 FIGS 27A-27G may generally be given map M corresponding to the acquired image check 972, and from the perspective of the recipient device 10 for subsequent processing 970 transactions.

[0296] 现在参考图^A,在图23中描述的交易952的发起可以包括前面讨论的在屏幕110,476和484中导航。 Initiating [0296] Referring now to Figure ^ A, the transaction described in Fig. 23 may include a screen 952, 110,476 and 484 in the previously discussed navigation. 例如,以屏幕110开始,收款人可以通过选择图形按钮114导航到屏幕476。 For example, in screen 110 starts, the recipient can select the graphics to the screen 476 by button 114 to navigate. 接着,收款人可以通过从屏幕476中选择图形按钮478进一步导航到屏幕484。 Subsequently, the recipient can screen 484 by selecting the graphic button 476 from the screen 478 further navigation. 屏幕484可以包括上述的图形按钮486、488和490。 Screen 484 may include the above graphic button 486, 488 and 490. 如上面讨论的,这些图形按钮中的每一个可以表示设备10提供的用于发起支付请求的各种功能。 Each of these buttons may represent graphical As discussed above the apparatus 10 provides for initiating various functions of the payment request. 例如,图形按钮486可以表示根据上面参考图12A-12C描述的技术发起支付请求的功能。 For example, graphical button 486 may initiate the function represented by the payment request in accordance with techniques described above with reference to FIGS. 12A-12C. 图形按钮488可以表示根据上面参考图20描述的技术发起支付请求的功能。 Graphical button 488 may initiate the function represented by the payment request according to the technique described above with reference to FIG 20. 此处,通过选择图形按钮490,收款人可以根据上面参考图23和M描述的技术发起交易。 Here, by selecting the graphic button 490, the recipient may initiate a transaction according to the technique described above with reference to M 23 and FIG. 在选择图形按钮490之后,收款人可以进入屏幕1002,屏幕1002可以给收款人提供以图形按钮1004和1006示出的用于使用上述图像识别技术获取支付信息的一个或多个选项。 After selecting the graphic button 490, the recipient may enter the screen 1002, the screen 1002 may provide to the payee graphical buttons 1004 and 1006 for using the image recognition technique is shown in one or more options acquired payment information. 如此处所示,图形按钮1004可以表示收款人可用于获取信用卡或借记卡的图像的功能,诸如在交易952中所示。 As shown here, the graphical button 1004 may indicate the payee can be used to obtain functional images of credit cards or debit cards, such as shown in 952 transactions. 另外,图形按钮1006可以对应于获取支票(诸如支票972)的图像的功能,并且将在下面参考图27A-27G更详细地描述。 Further, the graphical button 1006 may correspond to acquire the check (such as checks 972) of the image features, and will be described in more detail below with reference to FIGS. 27A-27G.

[0297] 在选择图形按钮1004之后,可以出于图像获取目的给收款人设备10的照相机设备48加电并且启动。 [0297] After selecting the graphical button 1004, an image can be acquired for the purpose of power to the recipient device 48 and camera apparatus 10 is started. 另外,收款人可以进入屏幕1008,如图26A所示,屏幕1008可以作为以标号1009表示的取景器,其实时显示照相机48检测到的图像。 Further, the recipient may enter the screen 1008, as shown in FIG. 26A, the screen 1008 can be used as a viewfinder indicated at reference numeral 1009, a display image actually detected when the camera 48. 取景器1009可以包括获取框1010,其可以用于给收款人提供将获取的图像居中的手段。 Viewfinder 1009 may include acquisition block 1010, which may provide a means for the recipient to the acquired image centered. 如上面讨论的,一旦就支付请求的项目达成了一致意见,付款人可以向收款人设备10提供信用卡(例如,%4)以便以照相机设备48获取图像。 For example, upon payment of the requested items discussed above agreed, the payer can credit card (e.g., 4%) from the recipient device 10 for the camera apparatus 48 to acquire images. 例如,如当前附图所示,收款人可以将收款人设备10放置为使得当从照相机设备48看时,信用卡卯4与图像获取框1010对准。 For example, the current as shown in the drawings, the payee may be positioned such that the recipient device 10 when viewed from the camera device 48, the image obtaining credit card sockets 4 frame 1010 are aligned. 一旦信用卡卯4被对准,收款人可以通过选择图形按钮1014获取信用卡1018的图像。 Once the credit card 4 d are aligned, the payee can obtain an image 1014 of the credit card 1018 by selecting the graphic button. 另外,通过选择图形按钮1016, 收款人可以具有取消图像获取处理的选项。 Further, by selecting the graphic button 1016, the payee may have the option to cancel the image acquisition process.

[0298] 一旦获取了信用卡952的图像,屏幕1008可以更新,以便显示此处以标号1018指示的获取的图像。 [0298] Once the image acquisition of the credit card 952, the screen 1008 can be updated to display an image indicated by reference numeral 1018 acquired here. 因此,收款人可以检查获取的图像1018,以便确定获取的图像的质量是否大体达到有效图像处理所需的标准。 Thus, the recipient can check the captured image 1018, to determine whether the quality of the image acquired substantially effective image processing to achieve the desired standard. 例如,收款人可以确定获取的图像1018是否与获取框1010正确对准,图像1018是否被正确聚焦,或图像1018是否是在足够的照明条件下获得的。 For example, recipient 1018 may determine whether the captured image acquiring proper alignment block 1010, whether the image is properly focused 1018, 1018, or whether the image is obtained in adequate lighting conditions. 如果收款人确定获取的图像1018适用于图像处理以便从卡%4提取支付信息,用户可以通过选择图形按钮1020启动信用卡信息提取处理。 If the recipient is determined image acquisition 1018 is suitable for image processing information from the card to pay 4% extraction, users can extract process by selecting the graphic button 1020 to start credit card information. 如果收款人确定获取的图像1018 不具有用于图像处理的足够质量,收款人可以选择图形按钮1022以便返回取景器1009来获取信用卡954的后续图像。 If the recipient determines that the acquired image 1018 does not have sufficient quality for image processing, the payee may select a graphical button 1022 to return to the viewfinder 1009 acquires subsequent images of the credit card 954.

[0299] 现在可以参考图26B简要解释信用卡图像1018的处理。 [0299] 26B can be handled now be briefly explained with reference to the credit card image 1018 of FIG. 如上面讨论的,对以收款人设备10的照相机设备48获取的图像的处理可以利用一种或多种光学字符识别技术,以便从获取的图像中提取文本数据。 As discussed above, the image processing apparatus 10 to the payee camera apparatus 48 may be acquired using one or more optical character recognition technology to extract the text data from the image acquired. 另外,在某些实施例中,图像识别技术还可以提供在得到的获取的图像中对特定图像或图片的识别。 Further, in some embodiments, the image recognition technique may also provide identification of the specific image or images acquired in the image obtained. 例如,这种图像处理应用可以提供对例如可标识相应信用卡提供商或银行提供商的商标标志或符号的识别。 For example, such an image processing application may provide the identification of a credit card provider, e.g. a respective symbol or a trademark or logo may identify the provider bank.

[0300] 如图26B所示,根据当前描述的实施例,图像识别应用可以分析图像1018,以便确定一个或多个关注区域。 As shown in [0300] FIG 26B, according to the presently described embodiments, the image recognition application 1018 may analyze the image to determine one or more regions of interest. 例如,基于对图像1018的分析,图像处理应用可以将区域1030、 1032,1034和1036识别为可能包含关于信用卡954的账户信息的关注区域。 For example, based on an analysis of the 1018 image, the image processing application area may be 1030, 1032, 1034 and 1036 identified as a potential area containing credit card account information 954 about the attention. 例如,区域1030可以对应于信用卡提供商的身份。 For example, the region 1030 may correspond to the identity of the credit card provider. 区域1032可以提供与所选择的信用卡%4相关联的信用卡账号。 1032 area may provide the selected credit card account 4% credit card associated. 另外,区域1034可以对应于与提供的信用卡%4相关联的到期日期,而区域1036可以对应于付款人和/或信用卡%4持有人的身份。 In addition, the region 1034 may correspond to the 4% credit card associated with providing the expiration date, but 1036 may correspond to the area and / 4% credit card holder's identity or the payer.

[0301] 应当理解,图像处理和识别应用的准确性一般可以依赖于正被处理的图像(诸如图像1018)的质量。 [0301] It should be appreciated that the accuracy of image processing and recognition applications typically may depend on the image being processed (such as image 1018) quality. 如图26B所示,标号1038可以表示图像1018在区域1032中的可能受损或不完整的一部分。 As shown in FIG. 26B, reference numeral 1038 may represent a portion of image 1018 may be damaged in the region of 1032 or incomplete. 例如,这可能是由于使用照相机设备48获取的结果图像1018内的伪像,如图^A中所示,或可能是由于物理信用卡卯4本身上的物理损坏或缺陷。 For example, this may be due to the camera apparatus to use the resultant image artifacts acquired 101,848, as shown in Figure A ^, or may be due to a physical credit card sockets 4 on itself physically damage or defects. 例如,通过自然磨损,印刷在信用卡%4上的一个或多个数字或字符可能部分或完全模糊或失真。 For example, through natural wear and tear, printed on the credit card 4% of one or more digits or characters may be partially or completely blurred or distorted. 作为例子,在获取的图像1018的账号区域1032内,以标号1038表示的最初可能表示数字“8”的字符可能看上去是失真的。 As an example, the account in the acquired image area 1032 1018, reference numeral 1038 denotes the digital representation may initially be "8" characters may appear to be distorted. 由于这些失真,图像识别应用可能不能将字符1038识别为数字“8”。 Because of these distortions, image recognition applications may not be recognized as a 1038 character number "8." 如下面详细解释的,本技术可以给收款人(或付款人)提供在提交交易信息以供授权和处理之前检查和校正提取的支付信息的能力。 As explained in detail below, the present technique can give the payee (or payor) provides the capability for submission of transaction information and authorization process checks before and correcting the extracted payment information.

[0302] 现在继续到图^C,一旦已经完成了图^B中描述的图像处理步骤,可以在收款人设备10上显示屏幕1042。 [0302] Continuing now to FIG ^ C, once it has completed the image processing described in Step B ^, 1042 may be displayed on the screen 10 the recipient device. 如此处所示,屏幕1042可以显示从信用卡图像1018提取的信息。 As shown here, the screen 1042 can display the image information extracted from the credit card 1018. 例如,如上面讨论的,屏幕1042可以显示信用卡提供商的身份1030,信用卡账号1032, 与付款人的信用卡相关联的到期日期1034和付款人身份1036。 For example, as discussed above, the screen can show the identity of the credit card provider 1042 1030 1032 credit card account number, and expiration date 1034 and the identity of the payer credit card associated with the payer of 1036. 另外,屏幕1042可以显示图形按钮1044、1046和1048,它们中的每一个对应于可以在设备10上执行的特定功能。 In addition, the screen 1042 may display a graphical buttons 1044, 1046 and 1048, each of which corresponds to a particular function can be performed on the device 10.

[0303] 具体参考从图像1018提取的信用卡账号1032,应当注意,由于失真的字符1038, 当与印刷在信用卡952上的实际账号比较时,当前显示的提取的账号1032不正确。 [0303] With particular reference to 1032, 1018 to be noted that the image extracted from the credit card account, due to the distortion of the extracted character account 1038, when compared with the actual account number 952 printed on the credit card, the current display 1032 is incorrect. 因此,收款人可以通过选择图形按钮1044编辑所显示的提取的信用卡信息。 Therefore, the recipient can edit by selecting the graphic button 1044 displayed on the credit card information extraction. 在选择图形按钮1044 之后,用户可以访问屏幕1043,屏幕1043可以显示下拉选择字段1050,以及文本字段1052、 IOM和1056。 After selecting the graphical button 1044, the user can access the screen 1043, the screen 1043 can display the drop-down selection field 1050, and a text field 1052, IOM and 1056. 这些字段最初可以填充有前一个屏幕1042中的相应的提取的信用卡信息1030、1032、1034和1036,并且如果需要,可被收款人或付款人使用显示的文本键盘160或数字键盘164单独选择和编辑。 These fields may be filled initially with a credit card information corresponding to the extracted 1030,1032,1034 previous screen 1042 and 1036, and, if desired, can be displayed using the payee or payer text keyboard or keypad 160 to select 164 alone and editing.

[0304] 例如,如本实施例所示,收款人可以使用数字键盘164编辑显示在文本字段IOM 内的信用卡账户信息,以便校正由于获取的信用卡图像1018中的失真字符1038导致的错误。 [0304] For example, as shown in this embodiment, the recipient can use the keypad 164 to edit the displayed credit card account information in a text field IOM in order to correct the error due to the credit card image 1018 acquired characters 1038 caused distortion. 因此,如果收款人确认编辑的信用卡信息现在是正确的,收款人可以选择图形按钮1058 返回屏幕1042,在屏幕1042中,信用卡账号1032可以更新以反映收款人在屏幕1043上进行的校正。 Therefore, if the recipient's credit card information is now confirmed to edit is correct, the recipient can choose to return to the screen graphic buttons 1058 1042, the screen 1042, the credit card account number 1032 can be updated to reflect the correction of the payee on the screen 1043 . 此后,收款人可以通过选择图形按钮1046继续交易处理,从而导航到图^D的屏幕1060。 Thereafter, the recipient can continue processing transactions by selecting the graphic button 1046 to navigate to a screen 1060 D ^ of FIG.

[0305] 如屏幕1060所示,从图像1018中提取并且后来被收款人编辑的信用卡信息(诸如图^C中所述)被显示并且以标号1062 —般性地表示。 [0305] As shown in screen 1060, and 1018 extracted from the image edited later payee credit card information (such as the C in FIG ^) is displayed and the numeral 1062-- showing general. 另外,屏幕1060可以显示存入账户,在本实施例中,如上面讨论的,存入账户可以是默认存入账户216。 In addition, the screen 1060 may be displayed into account, in the present embodiment, as discussed above, into account into the account 216 may be a default. 屏幕1060还可以显示图形按钮686、688和690,它们可以表示以前参考图14J给出的屏幕674描述的功能。 Screen 1060 may also display a graphical buttons 686,688 and 690, which may represent functions previously given with reference to FIG 14J described screen 674. 因此,为了启动将支付存入基于提取的卡信息1062的存入账户的处理,收款人可以选择图形按钮686,以便导航到屏幕1066。 Therefore, in order to start the deposit will be paid into the Account-based processing of card information extracted 1062, the recipient can choose the graphical button 686 to navigate to the screen 1066.

[0306] 可以理解,屏幕1066本质上可以提供在诸如向金融服务器100传输交易信息之前必须解决的附加安全措施。 [0306] It is understood that the nature of the 1066 screen can provide the additional security measures, such as before the financial server 100 to transmit transaction information must be addressed. 例如,在示出的实施例中,屏幕1066可以包括文本字段1068、 1070和1072以及图形按钮1074和1076。 For example, in the embodiment illustrated, screen 1066 may include text fields 1068, 1070 and 1072, and buttons 1074 and 1076 graphics. 因此,屏幕1066可能需要付款人在启动当前交易的处理之前向字段1068、1070和1072提供所需的信息。 Therefore, the screen 1066 may require the payer to provide the required information to the field 1068,1070 and 1072 before starting the processing of the current transaction. 例如,字段1068可用于输入对应于所请求的支付的支付数目。 For example, a field 1068 may be used to pay the payment amount corresponding to the input request. 字段1070可能需要付款人提供对应于信用卡952的CVV 号。 1070 field may be required to provide corresponding to the payer credit card CVV number 952. 如上面讨论的,使用这些附加授权措施可以帮助防止未授权支取的发生,诸如可能基于信用卡图像的未授权获取而发起的未授权支取。 As discussed above, the use of these additional authorization measures can help prevent unauthorized withdrawal occurs, such as credit card image may be initiated based on the unauthorized acquisition of unauthorized withdrawal. [0307] 另外,可以在文本字段1072中提供属于付款人的电子邮件地址。 [0307] In addition, an email address belonging to the payer in the text field 1072. 如上面讨论的, 一旦完成交易,可以使用提供的电子邮件向付款人传输收据或确认。 As discussed above, once the transaction is complete, you can use the e-mail provided to the payer transmission or receipt confirmation. 如上面讨论的,可以借助文本键盘界面160或数字键盘界面164(图^D中未示出)完成在文本字段1068、1070 和1072中输入数据。 As discussed above, the text can be by means of a keyboard or keypad interface 160 interface 164 (not shown in FIG. ^ D) is finished entering data in the text field 1072 and 1068,1070. 一旦已经输入了文本字段1068、1070和1072所需的信息,可以通过选择图形按钮1074启动交易授权处理。 Once you have entered the text field information required for 1068,1070 and 1072, you can start the 1074 transaction authorization process by selecting the graphic button. 另外,通过选择图形按钮1076,付款人或收款人可以具有取消当前交易的选项。 In addition, by selecting the graphic button 1076, the payer or payee may have the option to cancel the current transaction. 如果交易被授权并且被成功处理,可以在收款人设备10上显示屏幕712。 If the transaction is authorized and processed successfully, the screen can display 712 on the recipient device 10. 如上面讨论的,屏幕712可以显示通知消息714,向收款人指出所请求的支付数目已被存入指定的存入账户216,并且已经诸如通过在屏幕1066的文本字段1072内提供的电子邮件地址向付款人提供了收据。 As discussed above, the screen 712 may display a notification message 714, the payee indicating the number of the requested payment has been deposited into the account designated 216, such as by e-mail and has been provided in the screen text field 1066 1072 address provides a receipt to the payer.

[0308] 现在继续到图27A-27G,借助多个屏幕图像解释根据上面参考图M所述的交易970,用于操作收款人设备10的一个或多个技术。 [0308] Continuing now to FIGS. 27A-27G, by means of a plurality of screen images explaining the transactions 970 described above with reference to the map M, the recipient device 10 for operation of one or more techniques. 如图27A所示,用于获取支票图像(诸如, 对应于支票972的图像)的照相机设备48的启动可能需要收款人在上面讨论的屏幕110、 476和484中导航。 As shown in FIG. 27A, the check for acquiring an image (such as an image corresponding to the check 972) of the camera device 48 may require the recipient to start screen 110 discussed above, the navigation 476 and 484. 例如,以屏幕110开始,用户可以选择图形按钮114以便进入屏幕476。 For example, in screen 110 starts, the user may select a graphical button 114 to enter the screen 476. 在屏幕476,用户可以通过选择图形按钮478进一步导航到屏幕484。 In the screen 476, the user can go to the 484 by 478 screen further navigation buttons to select the graphic. 从屏幕484,如上面在图2认中讨论的,用户可以选择图形按钮490以导航到屏幕1002。 From the screen 484, as discussed above in FIG. 2 identified, the user may select a graphical button 490 to navigate to a screen 1002. 在屏幕1002,取代选择图形按钮1004以便启动获取信用卡图像的处理,用户可以取而代之选择图形按钮1006以便开始获取支票图像的处理。 In 1002 the screen, replace the graphics select button 1004 to initiate the process of acquiring credit card image, the user can instead select the graphical button 1006 in order to begin the process of acquiring the check image.

[0309] 如图27A所示,对图形按钮1006的选择可将收款人导航到屏幕1080。 [0309] As shown in FIG. 27A, selection of the graphical button 1006 may navigate to the screen 1080 to the payee. 屏幕1080 可以显示图形按钮1082和1084。 1080 screen can display graphical buttons 1082 and 1084. 这些图形按钮中的每一个对应于处理根据当前描述的技术获取的支票图像的一种相应技术。 Each of these buttons correspond to the pattern to a corresponding processing technique presently described technology check image acquired in accordance with. 具体地,图形按钮1082可以表示处理完整支票图像的功能。 Specifically, the graphical button 1082 may represent processing functionality of a full check image. 应当理解,为了启动完整支票图像的处理,必须首先获取整个支票的图像。 It should be understood, in order to start processing a complete check image, you must first obtain the image of the entire check. 如下面更详细解释的,在付款人提供的支票上指出了支付数目并且被付款人签署给收款人的情况下,可以选择使用以图形按钮1082表示的完整支票图像处理功能。 As explained in more detail below, provided by the payer on the check indicates the number of payments and is signed by the payer to the payee case, you can choose to use the full check image processing functions in a graphical representation of buttons 1082. 因此,为了提取关于付款人在支票上指出的支付数目的信息,可能需要处理完整的支票图像。 Therefore, in order to extract information about the number of payment payer noted on the check, the check may need to deal with the full image.

[0310] 例如,现在参考图27B,在选择图形按钮1082之后,可以在收款人设备上显示屏幕1086,并且如上面讨论的,可以启动照相机设备48以便进行图像获取。 [0310] For example, referring now to FIG 27B, after selecting the graphical button 1082, a screen 1086 may be displayed on the recipient apparatus, and as discussed above, the camera device 48 can be started for image acquisition. 如屏幕1086中所示, 可以显示与照相机设备48相关联的取景器1009。 As shown in screen 1086 may be displayed with the camera device 48 associated viewfinder 1009. 取景器可以包括获取框1010。 Finder may include obtaining blocks 1010. 因此,收款人可以将收款人设备10放置为使得整个支票972与获取框1010对准。 Thus, the recipient can be placed such that the recipient device 10 checks the entire frame 972 is aligned with the 1010 acquisition. 一旦支票972与获取框1010对准,收款人可以选择图形按钮1090以使用照相机48获取图像。 Once the check box 1010 and access 972 is aligned, the payee may select a graphical button 1090 using the camera 48 to acquire images. 另外,屏幕1086上的图形按钮1092部分可以允许收款人在需要时取消图像获取处理。 Further, graphical buttons 1092 parts of the screen 1086 may allow the recipient to cancel the image acquisition process if necessary.

[0311] 一旦已经获取了支票972的图像,以标号1096表示的获取的图像可被显示在屏幕1086上。 [0311] Once the check has been acquired image 972, reference numeral 1096 to obtain the image representation may be displayed on the screen 1086. 如上面讨论的,收款人可以评估获取的图像1086,以便确定图像是否适合用于图像处理应用,如上面讨论的那样。 As discussed above, the payee may evaluate 1086 the acquired images in order to determine whether the image is suitable for image processing applications, as discussed above. 如果收款人确定获取的图像1096不符合图像处理应用所需的一个或多个质量标准,如上面讨论的,收款人可以选择图形按钮1100以返回取景器1009并且获取后续图像。 If the recipient determines that the acquired image 1096 does not meet the quality standards demanded by the one or more image processing applications, as discussed above, the payee may select a graphical button 1100 to return to the viewfinder 1009 and acquires subsequent images. 如果收款人确定获取的图像1096适合于被图像识别应用处理,用户可以通过选择图形按钮1098开始图像处理步骤。 If the recipient is determined that the image 1096 is adapted to be acquired in image recognition processing, the user may select a graphical button 1098 starts image processing step.

[0312] 可以参考图27C进一步解释支票图像1096的处理。 [0312] FIG. 27C may be further explained with reference to the check image processing 1096. 如图所示,图像处理应用可以处理获取的图像1096以便确定各种关注区域,诸如以标号1104、1106、1108和1110表示的区域。 As shown, the image processing application may process the acquired image 1096 to define areas of interest, such as a region and reference numeral 1110 denotes a 1104,1106,1108. 该处理可以类似于上面根据图^B中的信用卡图像1018的处理描述的处理。 The process may be similar to the above described processing according to processing a credit card image 1018 of FIG. ^ B in FIG. 另外,图像处理应用还可以指定区域1112作为关注区域,区域1112可以对应于付款人在支票972 上书写的支付数目。 Further, the image processing application can also specify a region of interest as a region 1112, region 1112 may correspond to the number on the check payment the payer 972 writing. 如图27C所示,区域1104可以对应于付款人身份,并且区域1106可以对应于用于标识与付款人的银行账号相关联的银行业务提供商的代号,付款人的银行账号可被表示在区域1108内。 As shown in FIG. 27C, region 1104 may correspond to the identity of the payer, and 1106 may correspond to a region of the bank service provider and the code for identifying the payer's bank account associated with the payer's bank account may be expressed in the area 1108 inside. 另外,图像处理应用还可以指定区域1110对应于与提供的支票972相关联的支票号。 Further, the image processing application may also check number corresponding to the specified area 1110 checks to 972 associated with the offer. 因此,如上面解释的,一旦图像处理应用识别了这些区域,包含在区域1104、1106、1108、1110和1112内的信息可被提取,并且如图27D所示地显示在屏幕1116 上。 Thus, as explained above, once the image processing application identifies these regions, the region containing the 1104,1106,1108,1110 information can be extracted in 1112 and, as shown in FIG 27D and displayed on the screen 1116.

[0313] 如屏幕1116所示,除了从图像1096提取的支票信息之外,屏幕1116还可以显示图形按钮1118,以及上面参考图26C描述的图形按钮1046和1048。 As shown in [0313] The screen 1116, in addition to the information extracted from the image checking 1096, the screen 1116 may also display graphic graphic button 1118 button 1046, and as described above with reference to FIG 26C and 1048. 此后,如果确定信息的任何部分不正确,以类似于上面参考图26C描述的编辑处理的方式,用户可以选择图形按钮1118以编辑从支票图像1096提取的信息。 Thereafter, if it is determined in any part of the information is incorrect, the edit processing in a similar manner with reference to FIG. 26C described above, the user may select a graphical button 1118 to edit the information extracted from the check image 1096. 如果确定提取的信息是正确的,如图27D所示,用户可以选择图形按钮1046以便访问屏幕11M。 If the extracted information is correct, as shown in FIG. 27D, the user may select a graphical button 1046 to Access screen 11M. OK

[0314] 如屏幕IlM所示,从支票图像提取的信息,诸如以标号1104、1106、1108、1110和1112表示的信息,被显示并且以标号11¾总体表示。 As shown in a screen IlM [0314], the information extracted from the check image, such as reference numeral 1112 denotes the information 1104,1106,1108,1110, are displayed and indicated generally at numeral 11¾. 屏幕IlM还可以显示存入账户部分, 如上面讨论的,其最初可被选择为收款人的默认存入账户216。 IlM screen may also display portion into account, as discussed above, which may be selected initially stored 216 as the default account of the payee. 另外,如上面参考图14J中的屏幕674讨论的,屏幕IM还可以显示图形按钮686、688和690。 Further, the screen 674 as described above with reference to FIG. 14J discussed, IM screen may also display a graphical buttons 686,688 and 690. 因此,为了启动从以支票信息11¾表示的支付账户中提取或支取支付数目1112的交易授权步骤,收款人可以选择图形按钮686。 Therefore, in order to start the extraction or withdraw the authorization step 1112 the number of payment transactions from the payment account information to check 11¾ indicated, the recipient can choose the graphical button 686. 应当注意,在当前示出的实施例中,由于在本实施例中提供给收款人的支票972已被明确填写给收款人,从而表明付款人以前已经默许该支付请求,因此可能不需要上面参考图26D的屏幕1066给出的安全措施。 It should be noted that, in the embodiment illustrated in the current embodiment, since the embodiment is provided to the check payee 972 in the present embodiment has been explicitly put to the payee, the payer indicating that the previously default payment request, may not be required screen 1066 26D safety measures given above with reference to FIG. 此后,如果交易诸如被一个或多个金融服务器100授权并且成功处理,可以在收款人设备10上显示屏幕712。 After that, if the transaction is such as one or more financial authorization server 100 and processed successfully, the screen can display 712 on the recipient device 10. 如上面讨论的,屏幕712可以包括通知消息714,指出请求的支付数目已被存入所选择的存入账户216。 As discussed above, the screen 712 may include a notification message 714, indicating the number of the payment request has been stored into the selected account 216.

[0315] 再次简要参考图27A,并且具体地参考屏幕1080,图形按钮1084可以表示在收款人设备10上提供的附加功能,其中可以通过仅获得支票的部分图像(例如,不同于获得整个图像)而发起上面在图M中描述的交易970。 [0315] Referring briefly again to FIG. 27A, and in particular with reference to the screen 1080, the graphical button 1084 may represent additional functions provided on the recipient device 10, in which the partial image can be obtained only by the check (e.g., different from the entire image is obtained ) initiate transactions 970 described above in the map M. 如下面更详细解释的,可以在付款人提供的支票是空白支票的情况下使用以图形按钮1084提供的功能,由此只有在从付款人接收到某种附加的授权(例如,提供银行账户PIN号)之后才能发起交易970。 As explained in more detail below, may be provided in the payer's check function is used to provide a graphical button 1084 in the case of a blank check, whereby only received from the payer to some additional authorization (e.g., providing a bank account PIN in order to initiate a transaction after No. 970).

[0316] 现在继续到图27E,在选择图形按钮1084之后,屏幕1080可以更新以显示通知消息1132以及图形按钮1134和1136。 [0316] Continuing now to FIG. 27E, after selecting the graphical button 1084, the screen 1080 may display the update notification message 1132 to buttons 1134 and 1136 as well as graphics. 通知消息1132 —般可以通知收款人当前交易可能还需要付款人提供银行账户PIN号。 Notification message 1132-- as may notify the payee of the current transaction may also need to provide the payer bank account PIN number. 为了继续获取部分支票图像,收款人可以选择图形按钮1134。 In order to continue the check image acquisition section, the recipient can choose the graphical button 1134. 另外,通过选择图形按钮1136,收款人可以具有取消支票图像获取处理的选项。 In addition, by selecting the graphic button 1136, the recipient may have the option to cancel the check image acquisition process. 在选择图形按钮1134之后,用户可被导航到上面讨论的屏幕1086,其可以包括与照相机设备48 相关联的取景器1009。 After selecting the graphical button 1134, the user can be navigated to the above-discussed screen 1086, which may include a device 48 associated with the camera viewfinder 1009. 如屏幕1086所示,取景器1009可以包括图像获取框1010。 As shown in screen 1086, a viewfinder 1009 may include an image acquisition block 1010. 因此, 收款人可以将设备10放置为使得被成像的支票972的所希望部分被包含在以获取框1010 定义的区域内。 Thus, the recipient device 10 may be placed such that the check 972 are imaged desired portion is contained within frame 1010 to obtain the area defined. 一旦正确地对准了支票972的所希望部分,收款人可以通过选择屏幕1086 上的图形按钮1090获取支票972的这个部分的图像。 Once properly aligned, the check section 972 of hope, the payee can get the image of this part of the check 972 through a graphical button on the screen to select 10,861,090. 另外,通过选择图形按钮1092,收款人可以具有取消图像获取步骤的选项。 In addition, by selecting the graphic button 1092, the recipient may have the option to cancel the image acquisition steps.

[0317] 在选择图形按钮1090之后,可以获得支票972的对准部分的图像,并且将其显示在屏幕1086上,如标号1140所示。 [0317] After selecting the graphical button 1090, the image can be obtained check alignment part 972, and displays it on the screen 1086, as shown in reference numeral 1140. 此处,以类似于上面参考图27B描述的屏幕1086的方式,收款人可以评估图像114,以便确定对于图像处理应用的处理来说,获取的图像的质量是否足够。 Here, similar to the manner described above with reference to FIG 27B a screen 1086, the payee 114 can evaluate the image to determine image processing application for processing, the acquired image quality is adequate. 例如,如果图像1140不满足上面讨论的一个或多个质量标准,收款人可以选择图形按钮1100,以便重新获取支票972的后续图像。 For example, if the image 1140 does not satisfy the one or more quality criteria discussed above, the recipient can choose graphical button 1100, in order to re-acquire the check subsequent image 972. 如果确定获取的图像1140适合用于图像处理应用的处理,收款人可以通过选择图形按钮1098启动支付信息提取处理。 If the image is captured to determine the 1140 suitable for processing image processing applications, the 1098 recipient can start the payment information extraction process by selecting the graphic button. 例如,现在参考图27F,除了部分支票图像1140不包含与付款人在支票972上打印的支付数目相对应的区域1112之外,部分支票图像1140的处理一般可以类似于上面参考图27C所述的完整支票图像1096的处理。 For example, referring now to FIG. 27F, in addition to the check part 1140 does not include the image area 1112 and the number of the payer payment printed on the check 972 corresponding to the outside, the check of the image processing section 1140 may be generally similar to that described above with reference to FIG. 27C complete check image processing 1096. 因此,在本实施例中,图像处理应用可以处理部分支票图像1140 以仅仅提取付款人的身份1104、与付款人的银行业务提供商相对应的代号1106、付款人的银行账号1108以及支票号1110。 Accordingly, in the present embodiment, the image processing application may check image processing section 1140 extracts only the identity of the payer in 1104, the payer bank code corresponding to the service provider 1106, the payer's bank account number and check number 1110 1108 .

[0318] 一旦图像处理应用处理了部分支票图像1140,收款人可以进入图27G所示的屏幕1116。 [0318] Once the image processing application check image processing part 1140, the recipient may enter the screen shown in FIG. 27G 1116. 如屏幕1116所示,可以显示提取的支票信息,包括付款人身份1004、与所选择的支付账户相关联的银行业务提供商的代号1106、以及银行账号1108和与提供的支票972相关联的支票标识号1110。 As shown in the screen 1116 can display the check information extraction, including identity checks issued 1004, with the selected service providers to pay the bank account associated with the code name 1106, and the bank account number 1108 and the checks provided by 972 associated identification number 1110. 另外,屏幕1116还可以提供图形按钮1118,其可以表示与上面参考图27D描述的相同功能,以及图形按钮1046和1048。 In addition, the screen 1116 may also provide a graphical buttons 1118, which may represent the same function as described above with reference to FIG. 27D, and a graphical buttons 1046 and 1048. 因此,如果收款人确定从图像1140提取的支票图像信息是正确的,收款人可以通过选择图形按钮1046进入对存入账户的选择。 Therefore, if the recipient is determined from the extracted image 1140 check image information is correct, the recipient can choose to deposit into the account by selecting a graphical button 1046. 例如,对图形按钮1046的选择可以将收款人导航到屏幕1124,屏幕IlM可以显示此处以标号1144 一般表示的在前一个屏幕116上提供的提取的支票信息,以及对存入账户的选择,存入账户最初可被选择为默认存入账户216。 For example, selection of the graphical button 1046 may navigate to the payee screen 1124, the screen may display IlM check information provided herein on the screen 116 to a previous reference numeral 1144 generally denotes extracted, and the selection of deposit account, deposit account may be initially selected as the default into account 216. 另外,屏幕IlM还可以包括图形按钮686、688 和690,它们中的每一个可以对应于上面参考图14J的屏幕674描述的功能。 Further, the screen may also include a graphics IlM buttons 686,688 and 690, each of which may correspond to a function screen 674 14J described above with reference to FIG. 因此,为了启动当前交易的授权和处理(其中支付被存入收款人的默认存入账户216),可以选择图形按钮686,从而收款人进入屏幕1148。 Therefore, in order to start the authorization and processing of the current transaction (in which the payment is deposited into the account of the payee default 216), you can select the graphical button 686, so that the recipient enter the screen 1148.

[0319] 屏幕1148可以类似于上面在图26D中讨论的屏幕1066,S卩,在可以处理交易之前, 可以完成一个或多个附加的授权步骤。 [0319] Screen 1148 may be similar to the screen discussed above in FIG. 26D 1066, S Jie, before the transaction may be processed, can be completed one or more additional authorization step. 例如,示出的屏幕1148可以包括文本字段1150、 1152和1巧4。 For example, screen 1148 shown may include text field 1150, 1152 and a clever 4. 使用键盘界面160或数字键盘界面164(图27G中未示出),付款人可以在文本字段1150内输入请求支付的数目,并且在文本字段1152内输入与对应于提供的支票972的银行账户相关联的PIN号。 Interface 160 using the keyboard or keypad interface 164 (not shown in FIG. 27G), the payer can pay the number of requests in the text input field 1150 and the text input field 1152 associated with the bank account corresponding to the check 972 provided in the United PIN number. 可选地,如果付款人希望在交易完成之后接收电子收据, 诸如以电子邮件的形式,则付款人可以在文本字段IlM内提供有效的电子邮件地址。 Alternatively, if the payer wishes to receive an electronic receipt after the completion of the transaction, such as e-mail, the payer can provide a valid email address in the text field IlM. 屏幕1148还可以包括图形按钮1156和1158。 Screen 1148 may also include a graphical buttons 1156 and 1158. 因此,一旦所需信息被输入到文本字段1150、1152 和IlM中,可以选择图形按钮1156以便启动当前交易的授权和处理。 Therefore, once the required information is entered into the text field 1150, 1152 and IlM, you can select the graphical button 1156 to initiate the authorization and processing of the current transaction. 另外,此时可以通过选择图形按钮1158取消交易。 In addition, at this time you can cancel the transaction by selecting the graphic button 1158.

[0320] 如上面讨论的,如果成功完成了交易,可以在收款人设备10上显示屏幕712。 [0320] As discussed above, if the successful completion of the transaction, you can display screen 712 on the recipient device 10. 屏幕712可以包括通知消息714,其通知收款人所请求的支付已被存入所选择的存入账户216, 并且关于当前支付的收据已被传输到付款人在屏幕1148的文本字段IlM内提供的电子邮件地址。 Screen 712 may include a notification message 714, which the payee is notified that the requested payment has been deposited into the selected account 216, and on receipt of the current payment has been transferred to the payer in the screen of the text field IlM 1148 e-mail address. 可替换地,如果交易出于一个或多个原因失败,可以取而代之在收款人设备上显示屏幕700。 Alternatively, if one or more of the reasons for the transaction fails, you can replace the display screen 700 on the recipient device. 在当前附图中,屏幕700可以包括通知消息1160,其可以指出,付款人在前一个屏幕1148中的文本字段1152内提供的PIN号与包含在银行业务提供商所维持的记录内的PIN号不匹配。 In this drawing, the screen 700 may include a notification message 1160, it may be noted, the payer and the front PIN number PIN number is contained in the banking service provider record maintained by providing the screen 1152 in a text field 1148 Mismatch. 因此,可以指示收款人要求付款人重新输入或核实在屏幕148上输入的PIN 号。 Therefore, it may indicate the payee payer required to re-enter or verify the PIN number on the screen 148 input. 应当理解,通知消息1160旨在示出为什么交易可能失败的一个例子。 It should be understood, a notification message 1160 is intended to illustrate an example of why the transaction may fail. 实际上,上面讨论的任何原因都可能导致交易不能成功处理(例如,支付账户上缺少足够的资金等)。 In fact, for any reason discussed above may result in the transaction can not be successfully processed (for example, the lack of sufficient funds on a payment account, etc.). [0321] 现在继续到其余附图,示出了当前描述的技术的别的方面。 [0321] Continuing now to the remaining figures, there is shown another aspect of the presently described technology. 如上面讨论的,电子设备10可以包括适用于执行涉及一个或多个付款人的组交易的一个或多个功能。 , The electronic device 10 as discussed above may include those suitable for performing one or more functions involving one or more payor group of transactions. 例如,如上面参照图14A讨论的,可以从屏幕476中选择图形按钮482,以便执行组交易。 For example, as discussed above with reference to FIG. 14A, the graphical button 482 may be selected from the screen 476 in order to perform transactions group. 现在参考图观,示出并以标号1170总体表示根据本公开的一个方面,用于执行组交易的系统的示意表示。 Referring now to FIG concept, and shown generally at reference numeral 1170 in accordance with one aspect of the present disclosure, a system for performing a schematic representation of the set of transactions. 如当前附图所示,组交易1170可以包括以标号1172表示的主交易,以及以标号1174 表示的一个或多个副交易。 As shown in the current drawings, may include a main group of transactions 1170 to reference numeral 1172 denotes a transaction, and reference numeral 1174 denotes one or more secondary transaction.

[0322] 在主交易1172中,电子设备10可以作为组交易1170的发起设备,并且可以承担向卖方设备1176进行支付的付款人角色。 [0322] In the main transaction 1172, the electronic device 10 can be used as the initiator device 1170 set of transactions, and can assume the role of payer be paid to the vendor's equipment 1176. 此后,发起设备10可以作为收款人,并且接收来自付款人设备92、智能卡862和磁信用卡%4的持有人的另外的支付。 Since then, the initiating device 10 can be used as the payee, and receives 92, 862 additional payment smart cards and magnetic credit card holders 4% from the payer device. 出于本讨论的目的, 并且为了更清楚地区分这些支付工具中的每一种的持有人,磁信用卡954的持有人在此处被称为信用卡付款人。 For purposes of this discussion, and in order to more clearly distinguish each of the holders of these payment instruments, magnetic credit card holders 954 is referred to herein credit card payer. 类似地,智能卡862的持有人在此处被称为智能卡付款人,而付款人设备的持有人——付款人设备可以是根据上面讨论的实施例的具有NFC功能的设备——在此处被称为NFC付款人。 Similarly, the smart card holder 862 is referred to herein as a smart card in the payer device and the holders payer - payer device may be a device having a NFC function according to the embodiment discussed above - this NFC is called at the payer. 如下面更详细解释的,由信用卡付款人、智能卡付款人和NFC付款人向发起人设备10进行的支付可以是对欠卖方的支付的响应。 As explained in more detail below, the payment made to the device 10 by the sponsor credit card payer, smart cards and NFC payer payer may be a response to the payment owed to the seller. 例如,当前示出的交易1170 可以在这种情况下发生:一开始由一方(例如,发起人)支付包含示出的每一方所欠数目的组费用清单,后来由其余方向发起方提供支付。 For example, the current transaction is shown in 1170 can happen in this case: a start number of each party payment owed by one party (for example, sponsors) shows a group containing a list of cost, provide payment and later by the rest of the originator direction.

[0323] 作为例子,可以在这样的背景中利用本技术,其中图观所示的各方希望在餐厅划分账单或费用清单。 [0323] As an example, the present technique can be utilized in such a context, where the concept shown in FIG parties want restaurant bill, or bill of costs in the division. 在主交易1172,发起人设备10可以作为相对于卖方设备1176的付款人,卖方设备1176可以是由与餐馆相关联的人员操作的设备。 In the main transaction 1172, the initiator device 10 can be used as the payer device vendor equipment 1176, seller equipment 1176 may be a person associated with the operation of the restaurant respect. 如上面讨论的,发起人设备和卖方设备1176可以建立NFC连接1178,组费用清单1180可通过NFC连接1178从卖方设备1176被传输到发起人设备10。 As discussed above, the initiator device and the seller can establish an NFC connection apparatus 1176 1178, 1180 SOE group can be connected to the device vendor 1178 to 1176 is transmitted from the initiator device 10 via NFC. 此后,发起人可以在发起人设备上选择适当的支付账户, 如上面参考图7所述,其可以是默认支付账户180。 Thereafter, the initiator may be suitably selected in the sponsor account payment device, as described above with reference to FIG. 7, which may be a default payment account 180. 一旦被选择,支付账户信息1182可借助NFC连接1178被传输到卖方设备1176。 Once selected, payment account information may be 1182 by 1178 NFC connection device 1176 is transmitted to the seller.

[0324] 在接收到支付信息1182之后,卖方设备1176——其可以作为主交易1172中的收款人设备——可以选择存入账户,然后如上面讨论的,将存入账户信息、支付账户信息1182、以及对应于组费用清单1180的所请求的支付数目(此处以标号1184总体表示)传输到一个或多个金融服务器100。 [0324] After receiving the payment information 1182, the seller as a main apparatus which can 1176-- 1172 transaction payee device - can be selected into account, and as discussed above, the deposit account information, payment account information 1182, and the number of pay list 1180 corresponding to the request group (generally indicated herein by reference numeral 1184) is transmitted to one or more financial server 100. 如当前附图所示,交易信息1184的传输可以借助以标号1186表示的网络而进行。 As illustrated in the current drawings, transaction information 1184 may be transmitted to the network by means of the reference numeral 1186 denotes performed. 网络1186可以包括任何上述适合的网络,诸如LAN或WLAN网络连接。 Network 1186 may include any of the above suitable network, such as a LAN or WLAN network connection.

[0325] 一旦接收到交易信息1184,金融服务器100可以处理并且授权所请求的交易,并且如果交易被授权,支付1188可被提供给卖方。 [0325] Upon receiving the transaction information 1184, the financial server 100 can process and authorize the requested transaction, and if the transaction is authorized, paid 1188 may be provided to the seller. 例如,一旦主交易1172被金融服务器100 授权,可以从发起人设备10指定的支付账户1182中支取在组费用清单1180中请求的数目,并且将其存入在卖方设备1176上指定的存入账户。 For example, once the main financial transaction authorization server 1172 is 100, you can draw a number of requests in the group list of costs in 1180 from 10 designated payment account 1182 sponsor equipment, and stores it in the specified vendor's equipment into the Account 1176 . 因此,此时可以完成主交易1172,并且发起人设备10可以具有继续进行副交易1174的选项。 Therefore, a time to complete the main transaction 1172, and sponsors device 10 may have the option to continue in 1174, deputy trade. 如上面讨论的,副交易1174可以包括涉及NFC设备92、智能卡862和磁信用卡954的交易。 As discussed above, the sub-transaction 1174 may include 92, 862 smart card and magnetic card transactions involving NFC device 954. 然而,应当理解,在其它实施例中,副交易1174也可以包括另外的设备或支付工具,而不必局限于此处提供的例子。 However, it should be appreciated that in other embodiments, the secondary transaction 1174 may also include additional equipment or payment instruments, rather than limited to the examples provided herein.

[0326] 如图28所示,一旦主交易1172已经完成,发起人设备10可借助以标号1194表示的自组织网络将当前费用清单1192传输给NFC付款人设备92。 [0326] shown in Figure 28, once the main transaction 1172 has been completed, the initiator device 10 may be an ad hoc network by reference numeral 1194 denotes a current SOE 1192 transmitted to the NFC device 92 payer. 最初,当前费用清单1192 可以与组费用清单1180相同。 Initially, the current list of expenses can be the same group 1192 1180 list of expenses. 在从组交易成员(例如,信用卡付款人、智能卡付款人和NFC付款人)请求支付之前,发起人可以根据每个交易成员所欠数目分配组费用清单1180。 Before requesting a payment transaction from the group members (for example, credit card payer, smart cards and NFC payer payer), the number of members of each transaction originator can assign group owed according to the list of expenses 1180. 如下面所示,可以实时更新费用清单项目的分配,并且在当前费用清单1192上观看,当前费用清单1192可被显示在NFC付款人设备92上。 As shown below, can be updated in real time the cost of allocation of items in the list, and the list view on the current cost 1192, the current inventory cost 1192 may be displayed on the NFC device 92 payer. 另外,还可以实时更新当前费用清单1192, 以便反映发起人设备10接收到的支付。 In addition, real-time update the current list of expenses 1192, to reflect the payment originator device 10 receives.

[0327] —旦发起人在发起人设备10上分配了组费用清单1180,信用卡付款人、智能卡付款人和NFC付款人中的每一个所欠的数目可作为部分费用清单被传送给这些当事方。 [0327] - Dan sponsors on the sponsor list of costs allocated to the device 10 set 1180, credit card payer, the number of smart cards and NFC payer payer each owed as part of the cost is transferred to the list of those parties square. 作为例子,发起人设备可以通过与NFC付款人设备92建立NFC连接1196以将部分费用清单1198 传输到NFC付款人,开始接收支付的处理。 By way of example, the initiator device 1196 may be connected to part of the cost to transport the list of NFC Payer 1198, the reception process starts by establishing NFC payment with the NFC device 92 payer. 应当理解,部分费用清单1198可以反映出组费用清单1180中NFC付款人欠发起人的部分。 It should be understood, part of the list of expenses can cost 1198 list reflects the group in 1180 NFC payer owes part promoters. 因此,根据上面相对于图12A-12C所示的实施例一般描述的技术,可以在NFC付款人设备92上选择支付账户,并且此后,如以标号1200 所示,传输给发起人设备10。 Thus, according to the above with respect to the embodiment illustrated in FIGS. 12A-12C technique generally described, may be selected payer payment account on the NFC device 92, and thereafter, as shown by reference numeral 1200, a transmission device 10 to the initiator.

[0328] 在从NFC付款人设备92接收到支付信息1200之后,发起人设备10可以选择存入账户,并且借助网络1204将此处被统称为交易请求信息1202的支付信息1200、存入账户信息、以及部分费用清单1198中反映的数目传输到金融服务器100。 [0328] After receiving the payer from the NFC device 92 to the payment information 1200, the initiator device 10 can be selected into account, and by means of a network 1204 will be collectively referred to herein as the transaction request information 1202 1200 payment information, the account information is stored and the number of part of the costs reflected in the 1198 list transmitted to the financial server 100. 应当理解,如上面讨论的,可以借助设备10上可用的一个或多个通信接口提供网络1204。 It should be appreciated that, as discussed above, may be by one or more communication interfaces available on the device 10 provides the network 1204. 此后,如果金融服务器100确定由交易信息1202表示的交易请求可被授权,则支付1206可被存入发起人设备10 所选择的存入账户。 After that, if the financial transaction server 100 determines that the request represented by the transaction information 1202 may be granted, the payment device 1206 may be stored in sponsor 10 selected deposit accounts. 另外,如上面讨论的,可以在NFC付款人观看的当前费用清单1192上实时更新在副交易中任何付款人进行的支付。 In addition, as discussed above, the current list of costs that can be viewed in real-time update 1192 NFC payer on payments made any transactions in the secondary payer. 例如,如以箭头1208所示,发起人设备接收到的每笔支付1206也可被反映在当前费用清单1192上。 For example, as indicated by the arrow, the promoters of the apparatus shown in each payment received 1208 1206 may also be reflected in the cost of the current list 1192.

[0329] 一旦发起人设备10接收到了来自NFC付款人设备92的第一笔支付,发起人设备10可以继续接收来自智能卡付款人和信用卡付款人的其余支付。 [0329] Once the initiator device 10 received its first payment from the payer NFC device 92, the initiator device 10 may continue to receive payments from the rest of the smart card and credit card payer payer. 例如,根据上面参考图20 中给出的交易860描述的技术,发起人设备可以通过搭接操作借助NFC连接1196接收对应于智能卡862的智能卡信息1210。 For example, according to the technique set forth in 20 transactions 860 described above with reference to FIG, promoters may be connected to a smart card device 1210 receives information corresponding to smart card 862 via NFC 1196 by overlapping operation. 另外,发起人设备10可以根据上面参考图23中给出的交易952描述的技术,获取磁信用卡954的图像1212。 Further, the initiator device 10 can be given in accordance with the techniques of the 23 transactions 952 described above with reference to FIG, magnetic credit card images acquired of 1,212,954. 因此,发起人设备10可借助网络1204 将智能卡信息1210以及可从图像1212提取的支付信息传输到金融服务器100,以便对这些另外的副交易进行授权。 Thus, the promoters device 10 may be transmitted through the network 1204 1210 Smart card information and payment information can be extracted from the image to the 1212 financial server 100 to authorize these additional deputy transaction. 因此,如果这些交易被金融服务器100授权,此处以数字1206表示的来自信用卡付款人和智能卡付款人的相应支付可被存入发起人设备10所选择的存入账户内。 Therefore, if these transactions are within 100 authorized financial server, where the corresponding payment from the credit card payer and the payer's smart card 1206 may be stored in a digital representation of the promoters of the selected device 10 into account. 另外,如以标号1208所示,可以更新NFC付款人92观看的当前费用清单1192,以便反映对来自信用卡付款人和智能卡付款人的这些另外的支付的处理。 In addition, as shown by reference numeral 1208, NFC can update the list of payers 92 fee currently viewed 1192 to reflect the additional processing credit card payments from the payer and the payer of these smart cards.

[0330] 现在继续到图29,示出了方法1220,方法1220可以示出操作发起人设备10以便执行图观讨论的组交易1170的技术。 [0330] Continuing now to FIG 29, illustrates a method 1220, method 1220 can set of operations shown promoters apparatus 10 to perform transactions FIG Outlook 1170 discussed techniques. 如步骤1222所示,可由发起人设备10发起组交易。 As shown in step 1222, by the transaction initiator device 10 initiates the group. 此后,在步骤12M,发起人可以接收并且支付组费用清单,诸如组费用清单1180。 Thereafter, in step 12M, sponsors can receive and pay fees set list, such as the list of expenses group 1180. 如上面讨论的,根据一个实施例,可以借助NFC连接1178进行发起人设备10对组费用清单的接收和支付。 As discussed above, in accordance with one embodiment, the NFC connection means 1178 may receive and pay the sponsor list 10 of the device pair group. 一旦发起人设备10已经支付了组费用清单,方法1220可以进入步骤1226,由此发起人可以识别并且接触另外的组交易成员,如上面讨论的,其可以包括信用卡付款人、智能卡付款人和NFC付款人。 Once the initiator device 10 has been paid set list of costs, method 1220 can proceed to 1226, whereby sponsors can identify and contact with other members of the group of transactions, as discussed above, which may include credit card payer, payer smart cards and NFC payer. 接着,发起人可以将列在组费用清单上的项目分配给适当的组交易成员。 Then, sponsors can assign items will be listed on the group list of fees to the appropriate members of the trade group. 例如,发起人可以在步骤12¾选择第一费用清单项目,并且在步骤1230将该选择的项目分配给适当的组交易成员。 For example, the initiator can 12¾ select the first step in the project list of costs, and assigned to the appropriate member of the group of transactions in the selected project step 1230. 如后续判断框1232所示,发起人可以继续分配处理,直到列在组费用清单1180上的所有费用清单项目已被正确分配给正确的组交易成员。 As shown in the subsequent decision block 1232, may continue to sponsor allocation process until all the costs listed in the list of items on the group's 1180 list of costs have been allocated correctly to the correct group trading members. [0331 ] 此后,发起人可以开始从每个组交易成员收集支付的处理。 [0331] Thereafter, the sponsor can start processing payment transactions collected from each group member. 例如,发起人可以在步骤1234选择第一个组交易成员。 For example, the sponsor may select the first 1234 group members in step transaction. 接着,在步骤1236,可以传送与在步骤1234选择的成员相对应的部分费用清单。 Next, in step 1236, the cost can be transmitted a list of some of the members selected in step 1234 corresponds. 例如,该部分费用清单可借助上面讨论的NFC连接1196传送给NFC付款人设备92。 For example, the portion of the connection fee list 1196 may be transmitted to the NFC device 92 by means of the payer NFC discussed above. 另外,部分费用清单也可被口头传达给例如信用卡付款人和智能卡付款人。 In addition, part of the list of expenses may also be verbally communicated to the payer such as credit cards and smart cards payer. 在接收到部分费用清单之后,相应的付款人可以选择支付账户,并且将支付账户信息提供给发起人。 After receiving a list of some of the costs, the payer can choose the appropriate payment account, and payment account information to the sponsor. 例如,如步骤1238所示,发起人可以收集来自所选择的组交易成员的支付信息,然后诸如通过将交易请求传输到金融服务器100来处理交易。 For example, as shown in step 1238, the transaction initiator can collect payment information from a member selected from the group, then the transaction such as a request to the server 100 to process financial transactions through. 如上面讨论的,如果请求的交易被金融服务器100授权,可对发起人指定的存入账户进行相应支付。 If the requested transaction is authorized financial server 100 as discussed above, can be credited to the account designated sponsors paid accordingly.

[0332] 此后,如判断步骤1240所示,发起人设备可以继续收集支付,直到从每个组交易成员接收了支付为止。 [0332] Thereafter, as shown in decision step 1240, the initiator device may continue to collect payment, the payment date until receiving the transactions from each group member. 因此,一旦已经接收到所有支付,可以在步骤1242完成组交易。 Therefore, once it has received all payments can be set to complete the transaction in step 1242. 应当注意,如上面在图28中示出的,上面讨论的步骤1222和12M可以对应于主交易1172,而其余步骤1126-1242可以对应于副交易1174。 It should be noted that, as described above in FIG. 28 shows the step 1222 discussed above and 12M may correspond to the main transaction 1172, and the remaining steps 1126-1242 may correspond to a sub-transaction 1174.

[0333] 参考图30A-30L,可以更好地理解上述组交易1170,图30A-30L—般性地示出了在组交易1170期间,可被显示在发起人设备10或NFC付款人设备92上的各种屏幕图像。 [0333] Referring to FIG 30A-30L may be better understood the above-described group of transactions 1170, FIG. 30A-30L- generally illustrates a group of transactions during 1170, the initiator device 10 may be displayed or NFC device 92 in the payer a variety of images on the screen. 例如,首先参考图30A,可以从屏幕110开始在发起人设备10上发起主交易1172。 For example, with reference to FIG. 30A first, initiating master may start trading 1172 on the screen 110 from the initiator device 10. 接着,发起人可以选择图形按钮114以便导航到屏幕476,如上面讨论的,屏幕476可以显示图形按钮482。 Next, the initiator may select a graphical button 114 to navigate to the screen 476, as discussed above, the screen 476 may display a graphic button 482. 因此,通过选择图形按钮482,发起人可以访问设备10提供的组交易功能,从而进入屏幕1270。 Thus, by selecting the graphic button 482, the initiator can access the functions of the device 10 provides set of transactions, and thus enter the screen 1270. 屏幕1270可以显示图形按钮1272、1274和1276。 1270 screen can display graphical buttons 1272,1274 and 1276. 如上面讨论的,这些图形按钮中的每一个可以表示特定功能。 As discussed above, each of these buttons pattern may represent a specific function. 例如,图形按钮1272可以表示发起人可用于发起组交易1170的功能。 For example, a graphical button 1272 may represent a group of promoters can be used to initiate the transaction 1170 functionality. 类似地,图形按钮1274可以允许发起人加入现有的组交易,诸如之前由另一个成员发起的组交易。 Similarly, graphical button 1274 may allow sponsors to join the existing group of transactions, such as trading before the group initiated by another member. 另外,发起人可以通过选择图形按钮1276取消组交易。 In addition, the sponsor may cancel the 1276 group of transactions by selecting the graphic button.

[0334] 如当前附图所示,对图形按钮1272的选择可以将发起人导航到屏幕1278。 [0334] As shown in the present illustration, the selection may be graphical button 1272 to the screen 1278 navigate promoters. 屏幕1278可以提供对关于组交易的各种选项的选择。 1278 screen can provide a variety of options for selecting the group of transactions. 例如,可以提供第一选项,其中发起人可以支付组费用清单(诸如组费用清单1180)作为主交易(例如,1172),此后在另外的交易成员之间分配该费用清单,并且作为一系列副交易(例如,1174)从这些交易成员中的每一个收集支付。 For example, you can provide first option in which the sponsor can pay the fee set list (such as a list of costs set 1180) as the primary transaction (eg, 1172), then assign the bill of costs between the other members of the transaction, and as a series of side collect payment transactions (eg, 1174) from these trading members each. 这可以是以图观中的组交易1170 —般描述的情况。 This is a group of transactions 1170 concept drawing in - situation as described.

[0335] 如屏幕1278所示,可以提供另一个组交易选项,其中发起人可以直接在一个或多个其它交易成员之间划分费用清单。 [0335] As shown in the screen can provide another set of option trading 1278 in which the sponsor can divide the list of expenses directly between one or more other trading members. 下面参考图32更详细地解释这种情况。 Referring to FIG 32 explained in more detail this situation. 可以用图形元素1280和1282表示在屏幕1278上示出的选项,它们可以表示复选框图标,发起人可以通过它们选择适当选项。 Graphic elements can be used in 1280 and 1282 represent the options shown on the screen 1278, which may represent a checkbox icon, the initiator may be suitably selected by their option. 例如,如当前附图所示,发起人可以选择复选框1观0,以指示根据上面在图观中讨论的技术执行当前交易。 For example, as shown in the present illustration, the initiator may select the check box 1 0 concept, according to indicate technical concept discussed above in FIG current transaction is performed. 一旦选择了选项1观0,发起人可以选择图形按钮1284以便开始组交易1170。 Once you have selected Option 1 0 concept, the sponsor may select a graphic button to start the set of transactions 1170 1284.

[0336] 在选择图形按钮1284之后,用户可以进入屏幕1观8,通过屏幕1观8,可以开始以标号1172表示的上面讨论的主交易。 [0336] After selecting the graphical button 1284, the user can enter a View screen 8, the main transaction discussed above concept through a screen 8, reference numeral 1172 may begin indicated. 例如,屏幕1288可以表示NFC连接1178的启动。 For example, the screen 1288 may represent the NFC connection to start 1178. 屏幕1288还可以包括通知消息1四0,如上面讨论的,其可以向发起人指出,发起人设备10的NFC设备46正被加电,从而激活NFC接口60。 Screen 1288 may further include a notification message 40, as discussed above, it may be noted that the promoters, promoters NFC device 46 of the device 10 is being powered on, thereby activating the NFC interface 60. 屏幕1288还可以包括图形按钮1四2,如果需要,发起人可以选择图形按钮1292以取消NFC连接1178的建立。 Screen 1288 may also include a graphical button 2 1 four, if needed, you can choose to sponsor a graphical button 1292 to cancel the 1178 NFC connection is established.

[0337] 在建立NFC连接1178之后,发起人设备10可以从与之建立了NFC连接1178的卖方设备1176接收组费用清单1180。 [0337] After the 1178 NFC connection is established, the initiator device 10 can establish a connection 1178 NFC seller equipment 1176 1180 from receiving the group list of costs associated with it. 例如,一旦发起人设备10接收到组费用清单1180,就可以更新屏幕1观8,如图30B所示,以显示通知消息1296。 For example, once the device 10 receives the group sponsor fee list 1180, a concept can update the screen 8, as shown in FIG. 30B, 1296 to display a notification message. 如此处所示,通知消息1296可以通知发起人已经接收到组费用清单1180。 As shown here, the notification message 1296 may notify the sponsor has received a set fee list 1180. 因此,借助图形按钮1298和1300,发起人可以接受或拒绝接收到的组费用清单1180。 Therefore, with graphical buttons 1298 and 1300, the promoters can accept or reject expense group received a list of 1180. 为了接受组费用清单,发起人可以选择图形按钮1298 以便导航到屏幕1304。 In order to accept the set list of expenses, sponsors can choose to navigate the graphical buttons 1298 to the screen 1304. 屏幕1304可以显示发起人身份1306、卖方身份1308以及组费用清单所请求的数目(此处以标号1310表示)。 1304 screen can display the identity of the sponsor 1306, 1308, and the number of group identity seller list of costs requested (here represented by reference numeral 1310). 如下面解释的,数目1310可以反映添加小费数目之前的小计。 As explained below, the number of 1310 may reflect the number of tips before adding subtotals. 例如,卖方是餐馆并且费用清单反映餐馆账单的情形可以反映本实施例。 For example, the seller is a list of restaurants and reflect the cost of restaurant bills situation may reflect the present embodiment. 因此,屏幕1304上还提供图形按钮1312和1314,通过这些图形按钮,发起人可以分别选择指定小费数目或观看费用清单细节。 Therefore, it also provides graphical buttons 1312 and 1314 on the screen 1304, these graphical buttons, sponsors can choose to specify the number of tips or view the details of the list of expenses, respectively.

[0338] 屏幕1308还可以显示当前选择的支付账户,如上面在图7中讨论的,其最初可被选择为发起人指定的默认支付账户180。 [0338] Screen 1308 may also display the currently selected payment account, as discussed above in FIG. 7, which initially may be selected as a default payment account designated sponsor 180. 因此,可以提供图形按钮1318、1320和1322,其中图形按钮1318表示发起人可用于使用当前选择的默认支付账户180支付费用清单的功能, 图形按钮1320表示发起人可用于选择替换的支付账户的功能,而图形按钮1322可以允许发起人取消当前交易。 Therefore, it is possible to provide graphical buttons 1318, 1320 and 1322, where 1318 represents a graphical buttons promoters can be used to pay for using the features list of the currently selected default payment account 180, the graphical button 1320 is a functional promoters can be used to select an alternative payment account while the graphical button 1322 may allow sponsors to cancel the current transaction.

[0339] 如图30B所示,通过选择图形按钮1314从而导航到屏幕1326,发起人可以观看组费用清单180。 As shown in [0339] FIG 30B, so that by selecting the graphical button 1314 to navigate the screen 1326, the initiator 180 can view a list of group costs. 屏幕13¾可以包括此处以标号1330表示的一般性列出所有组费用清单项目的部分。 Screen 13¾ 1330 may include a general label lists all the groups represented part of the cost of inventory items here. 另外,可以在屏幕13¾上提供滚动条功能1332,从而如果不能在提供的显示部分中观看整个列表,发起人可以在费用清单项目列表1330中导航。 In addition, it can provide on-screen scroll bar functionality 13¾ 1332, so if you can not watch the entire list in the display section provided, the initiator can navigate through the list of list of expenses in 1330 project. 除了费用清单项目列表1330之外,屏幕13¾还可以列出任何适用的税费数目1328。 In addition to the cost of inventory item list 1330, the screen can also list any number 13¾ 1328 applicable taxes. 应当理解,可以计算费用清单项目1330和税费数目13¾之和,以便获得上面讨论的小计1310。 It should be understood that the list of items costing 13¾ 1330 and the number of taxes and, in order to obtain subtotals 1310 discussed above. 屏幕13¾可以附加地显示小费数目1334,在发起人添加小费数目之前,其最初可以是零。 Screen 13¾ can additionally display the number of tip 1334, before the initiator is added the number of tips, which initially may be zero. 因此,可以累加组费用清单小计1310和任何小费数目1334,以便确定组费用清单的总数1336。 Therefore, the cumulative costs of set list Subtotal 1310 1334 and any number of tips in order to determine the total cost of 1336 set list. 另外,还可以在屏幕1326上提供图形按钮1338和1340,其中图形按钮1338可以给发起人提供基于其当前状态支付所显示的费用清单的功能。 In addition, it can also provide a graphical buttons 1338 and 1340 on the screen 1326, wherein the graphical button 1338 may provide functionality based on a list of expenses to pay its current status is displayed to the initiator. 另外,如果发起人选择指定小费数目1334,可以选择图形按钮1340。 In addition, if you choose to specify the number of sponsors tip 1334, you can select the graphical button 1340.

[0340] 例如,如果选择图形按钮1340,发起人可被导航到屏幕1350以便添加并且选择小费数目。 [0340] For example, if the selected graphic button 1340, the promoters may be added in order to navigate to a screen 1350 and selects the number of tips. 屏幕1350可以显示组费用清单1310的当前小计,并且给发起人提供文本字段1352,通过文本字段1352,发起人可以输入所希望的小费数目。 1350 screen can display a list of 1310 set the cost of the current subtotal, and to sponsor 1352 provides a text field, a text field by 1352, the sponsor can enter the desired number of tips. 例如,发起人可以选择使用数字键盘164输入小费数目,或如此处以标号13M表示的图形按钮提供的,可以选择预先计算的小费数目。 For example, the initiator may choose to enter the number using the numeric keypad tip 164, or so impose numeral 13M denotes graphical buttons provided, can choose the number of pre-calculated tip. 如此处所示,以图形按钮13M表示的预先计算的小费数目可以对应于当前小计数目1310的一定百分比。 As shown here, the number of pre-calculated tip graphical representation may be a button 13M corresponding to the small current percentage by number 1310. 作为例子,在当前附图中,发起人可以选择对应于当前小计1310的20%的小费的图形按钮。 As an example, the current in the drawings, the initiator may be selected corresponding to the current subtotal 1310 20% of the tip of the graphical button. 如此处所示,在选择上面讨论的小费数目1334之后,可以填写文本字段1352以便反映该选择。 As shown here, the number of tip 1334 after selecting discussed above, can fill in a text field 1352 in order to reflect the selection. 另外,可以更新组费用清单1080的总数1336,以便反映小费数目1334的添加。 In addition, you can update the list of total group costs 1080 1336, add 1334 to reflect the number of tips. 例如,可以通过累加上面讨论的小计1310和当前选择的小费数目1334计算当前组费用清单总数1336。 For example, you can calculate the total cost of the current group list by adding up the number of tips 1336 Subtotal 1310 and currently selected 1334 discussed above. 此后,发起人可以选择图形按钮1356,以便接受选择的小费数目和相应更新的组费用清单总数1336,或可以通过选择图形按钮1358取消当前交易。 Since then, the sponsor may select the graphical button 1356, so that acceptance of gratuities selected and set fees accordingly updated list of the total number of 1336, or you can cancel the current transaction by selecting the graphic button 1358. 如当前附图所示,对图形按钮1356的选择可以使用户返回屏幕13¾,其可被更新以便显示选择的小费数目1334,以及组费用清单的更新的总数1336。 As illustrated in the current drawings, selection of the graphical button 1356 may return the user to screen 13¾, which may be updated to display the selected number of tips 1334, 1336 and the total number of updated SOE group. 如果发起人满意当前组费用清单总数1336,发起人可以选择图形按钮1338,以便继续进行组费用清单数目1336的支付。 If the originator satisfied with the current group total inventory cost 1336, the sponsor may select the graphical button 1338 in order to continue to pay the cost of 1336 number set list. [0341] 参考图30C,对图形按钮1338的选择可将发起人返回屏幕1304,其可被更新以便反映出组费用清单数目1336已被更新为包括从屏幕1350指定的小费数目1334的添加。 [0341] Referring to FIG. 30C, the selection of the 1338 graphics screen button to return to sponsor 1304, which may be updated to reflect the cost of group number list 1336 has been updated to add 1334 to include gratuities specified number from the screen 1350. 因此,通过选择图形按钮1318,发起人可以发起使用默认支付账户180的组费用清单总数1336的支付。 Therefore, by selecting a graphical buttons 1318, promoters can initiate payments to pay the default list of group accounts total 180 of 1336. 如上面讨论的,选择图形按钮1318可以借助NFC接口1178将支付账户信息1182传输给卖方设备1176。 As discussed above, select the graphical button 1318 can make use of the NFC interface 1178 to 1182 payment account information to the seller transmission device 1176. 因此,卖方设备1176可以将当前交易请求1184传输到金融服务器100,以便处理和授权所请求的支付。 Therefore, the seller device 1176 may be transferred to the current 1184 financial transaction request server 100 for processing and payment authorization request.

[0342] 如图30C所示,如果主交易1172被金融服务器100授权,可以在发起人设备10上显示屏幕1362。 [0342] FIG. 30C, if the main financial transaction authorization server 100 are 1172, 1362 may be displayed on the screen device 10 promoters. 屏幕1362可以显示通知消息1364,向发起人指出组费用清单180已被使用选择的默认支付账户180支付。 1362 screen can display a notification message 1364, the group pointed out that the list of expenses to sponsor 180 has been used 180 selected default payment account to pay. 另外,屏幕1362可以包括图形按钮1366和1368。 In addition, the screen 1362 may include graphical buttons 1366 and 1368. 图形按钮1368可以表示用户可用于结束或取消交易的功能。 1368 graphical buttons that the user can be used to end or cancel the function of the transaction. 图形按钮1366可以允许用户分配组费用清单1180,并且从而发起上面参考图洲讨论的副交易1174。 Graphical button 1366 may allow the user to assign the cost of inventory group 1180, and 1174 to initiate Vice trading above with reference to FIG continents discussed. 如图30C所示,在选择图形按钮1366之后,可以显示屏幕1370。 As shown in FIG 30C, after selecting the graphical button 1366, the screen 1370 may be displayed. 屏幕1370示出了自组织网络(诸如网络1194) 的建立。 Screen 1370 shows a self-organizing network (such as network 1194) established. 如上面讨论的,具有能力的设备,诸如NFC付款人设备92,可以加入建立的自组织网络,以便观看当前费用清单1192,以及可以在副交易1174中执行的各个步骤期间对当前费用清单1192进行的更新。 , The device has the ability, as discussed above, such as NFC on the current list of costs during 1192 were payer device 92 can join an ad hoc network established in order to view the current 1192, as well as the individual steps can be performed in 1174 in the sub-transaction fee list updates.

[0343] 屏幕1370可以显示发起人身份1306,并且如此处以标号1372表示的,给当前组交易应用标识名称。 [0343] 1370 screen can display sponsor identity 1306, and so impose, to the current group of transactions the application identifier name label 1372 represented. 如此处示出的,交易标识符1372可以与图30A和30B所示的主交易内的支付的接收人1308 (“ABC Restaurant (ABC餐馆)”)相同。 As shown herein, the person receiving the payment transaction identifier 1372 may be in the primary transaction shown in FIG. 30A and 30B ( "ABC Restaurant (ABC restaurant)"), the same 1308. 另外,屏幕1370可以包括图形按钮1376和1378。 In addition, the screen 1370 may include graphical buttons 1376 and 1378. 例如,如果其它交易成员,诸如信用卡付款人和智能卡付款人,都没在使用能够连接到自组织网络的设备,则图形按钮1378可以允许发起人取消自组织网络的建立。 For example, if members of other transactions, such as credit cards and smart cards payer payer, no use of self-organizing devices can be connected to the network, the graphical button 1378 may allow sponsors to cancel the establishment of ad hoc networks. 如果组交易1170包括至少一个能够加入自组织网络的设备,诸如当前示出的设备92, 则在选择图形按钮1376以便开始分配组费用清单180的处理之前,发起人可以等待设备92 加入网络。 If a group of transactions 1170 comprises at least one joining device capable of self-organizing networks, such as the current device 92 illustrated, the selected list to start processing cost allocation group of graphical button 180 before 1376, the initiator device 92 may wait to join the network.

[0344] 可以参考图30D示出根据NFC付款人设备92的角度连接到自组织网络1194的处理。 [0344] Refer to Figure 30D shows a process to connect to the ad hoc network in accordance with the angle of the NFC device 92 payer 1194. 例如,为了加入由发起人设备10建立的自组织网络,如图30所述,NFC付款人可以选择屏幕110中的图形按钮114。 For example, in order to join the ad hoc network established by the sponsor apparatus 10, as described in FIG 30, NFC payer may select a graphical button 110 in screen 114. 应当注意,图30D所示的屏幕可以类似于上面参考发起人设备10讨论的一个或多个屏幕。 It should be noted that the screen shown in FIG 30D may be similar to apparatus 10 discussed above with reference to the initiator, one or more screens. 因此,应当理解,也可在本实施例中的付款人设备92上提供诸如应用34之类的在发起人设备上提供的交易应用。 Accordingly, it should be understood that the embodiment may also be on the payer device 92 such as an application embodiment provides transaction application 34 or the like provided on the device in the sponsor. 在选择图形按钮114之后,付款人可以进入屏幕476。 After selecting the graphic button 114, the payer can enter the screen 476. 为了访问在NFC付款人设备92上提供的组交易功能,付款人然后可以选择图形按钮482,从而导航到屏幕1270。 To access the group's trading functions provided in the NFC device 92 payer, the payer can then select the graphical button 482, so navigate to the screen 1270. 此处,通过选择图形按钮1274,付款人可以操作NFC付款人设备加入上面讨论的自组织网络。 Here, by selecting the graphic button 1274, the payer device a payer can operate the NFC join the ad hoc network as discussed above.

[0345] 如图30D所示,对图形按钮1274的选择可以将NFC付款人导航到屏幕1380。 [0345] FIG. 30D, the selection of the graphical button 1274 may be to navigate to a screen 1380 NFC payer. 屏幕1380可以显示付款人身份1382,并且显示可用的自组织网络的列表,其可以表示进行中的组交易。 1380 screen can display the payer's identity 1382, and a list of available ad hoc networks are displayed, which may represent the set of transactions in progress. 例如,此处列出了由发起人建立并且在图30C中描述的网络,并且以标号1384表示。 For example, the establishment by the initiators listed here and are described in the network of FIG. 30C, and reference numeral 1384 in FIG. 因此,付款人可以诸如借助复选框选择图形1385选择列出的网络1384,并且通过选择图形按钮1386加入选择的网络。 Thus, the payer can select graphics such as box 1385 selected by the listed network 1384, and adding the selected network 1386 by selecting the graphic button. 另外,通过选择图形按钮1388,NFC付款人还可以具有拒绝加入自组织网络的选项。 In addition, by selecting the graphic button 1388, NFC payer may also have the option of refusing to join the self-organizing network. 应当理解,如果选择后者,NFC付款人仍然可以参与组交易1170, 但是可能不能观看当前费用清单1192的任何实时更新。 It should be understood, if you choose the latter, NFC payer can still participate in the transaction group 1170, but may not be able to watch any live update of the current fee list 1192.

[0346] —旦所有具有能力的设备加入了发起人设备10建立的自组织网络1194,可以开始组费用清单的分配。 [0346] - Once all devices have the ability to join the ad hoc network equipment sponsor 10 of 1194 established, the group can begin to allocate the cost of inventory. 例如,现在参考图30E,在图30C中讨论的屏幕1370可以更新,以便指出此处以标号1382表示的NFC付款人加入了建立的自组织网络。 For example, now referring to FIG. 30E, the screen 1370 discussed in FIG. 30C can be updated to indicate NFC payer here represented by reference numeral 1382 joined the ad hoc network established. 因此,由于没有其它付款人设备参与当前交易,发起人可以选择图形按钮1376以便导航到屏幕1400来开始分配组费用清单项目1330。 Therefore, since no other payer equipment involved in the current transaction, the initiator can select the graphical button 1376 to navigate to the screen 1400 to begin dispensing fee set list of items 1330.

[0347] 如屏幕1400所示,可以显示组交易成员列表。 [0347] As shown in screen 1400 can display a list of members of the trade group. 如此处所示,列表1402最初可以仅包括发起人和当前借助自组织网络1194连接到发起人设备10的NFC付款人。 As shown here, the list 1402 may include only the first current by means of the initiator and the ad hoc network 1194 is connected to the initiator NFC device 10 of the payer. 屏幕1400还可以显示组费用清单项目列表1330。 1400 screen can also display a list of items in the list set costs 1330. 如上面讨论的,如果由于屏幕大小限制,组费用清单项目列表1330可能不能整个显示,可以在屏幕1400上提供以图形1404表示的滚动条功能。 As discussed above, if the screen size due to the limitations set list of costs may not be the entire 1330 list of items displayed, you can scroll bars feature a graphical representation on the screen 1404 1400. 接着,为了向当前组交易添加其余交易成员,发起人可以选择图形按钮1406。 Then, to add the rest of the trading members to the current group of transactions, the sponsor may select the graphical button 1406. 在选择图形按钮1406之后,发起人可被导航到屏幕1410,其可以显示文本字段1412和图形按钮1414以及文本键盘160。 After selecting the graphical button 1406, the initiator 1410 may be navigated to the screen, which can display graphics and text field 1412 and the button 1414 text keyboard 160. 因此,借助文本键盘160,发起人可以在文本字段1412内输入信用卡付款人的身份。 Therefore, with the text keyboard 160, the sponsor may enter a credit card payer's identity within the text field 1412. 一旦输入了信用卡付款人的身份,通过选择图形按钮1414,发起人可以将信用卡付款人添加到当前交易。 Once you enter a credit card payer's identity, 1414, the initiator can be added by selecting the graphic button payer to the current credit card transactions. 如图30E所示,选择图形按钮1414可以使得在屏幕1410上显示弹出窗口1420。 As shown in FIG 30E, a pattern such that the button 1414 on the screen 1410 can display a popup window 1420. 弹出窗口1420可以通知发起人信用卡付款人已被添加到当前交易,并且还可以给发起人提供图形按钮1422和1424。 Pop-up window 1420 may notify the sponsor credit card payer has been added to the current transaction, and may also provide a graphical buttons 1422 and 1424 to the initiator. 例如,如此处所示,对图形按钮1422的选择可以关闭弹出窗口1420,并且允许发起人重新访问屏幕1410以便添加另外的成员,诸如智能卡付款人。 For example, as shown here, the choice of graphical button 1422 may close the popup window 1420, and allows the originator to re-access the screen 1410 in order to add additional members, such as a smart card payer. 因此,发起人可以重复上面讨论的步骤,并且在文本字段1412内输入智能卡付款人的身份。 Thus, the promoters discussed above steps may be repeated, the identity of the smart card and the input of the payer in the text field 1412. 通过再次选择图形按钮1414,可以在屏幕1410上显示弹出窗口1426,通知发起人智能卡付款人也已被添加到当前交易1170。 By selecting the graphic button again to 1414, 1426 to display pop-up window on the screen 1410, notify the promoters smart card payers have also been added to the current transaction 1170. 因此,由于现在已经添加了图观的副交易1174中所示的所有组交易成员,发起人可以通过选择图形按钮14M返回屏幕1400。 Therefore, since the group has now added all the transactions shown in Figure deputy trade concept in 1174 members, sponsors can return to the screen 1400 by selecting the graphic button 14M.

[0348] 现在继续到图30F,示出了发起人对组费用清单项目1330之一的分配。 [0348] Continuing now to Figure 30F, shows one of the sponsors of the 1330 pairs of distribution costs set list of items. 如当前附图所示,屏幕1400可以显示交易成员的更新列表1402,其可以包括使用图30E描述的技术添加的信用卡付款人和智能卡付款人。 The screen can display an updated list of 1400 members of the 1402 transaction as shown in the current drawing, which may include the use of the techniques described in Figure 30E add credit card and smart card payer payer. 接着,发起人可以诸如使用手指或其它物体(诸如输入笔),通过选择项目1430在屏幕1400上的位置而分配组费用清单项目1430,并且在维持与发起人设备10的显示器M接触的同时,将选择的费用清单项目1430移动到屏幕1400 上对应于适当交易成员的位置。 Next, the initiator may be used, such as a finger or other object (such as a stylus), the cost allocation set by selecting the list item 1430 on the screen 1430 position 1400 project, and while maintaining contact with the display apparatus 10 M promoters, the list of projects selected expense 1430 1400 moved to the screen corresponding to the position appropriate business members. 应当理解,这种操作在图形用户界面环境中通常可被称为“拖放”操作。 It should be appreciated that such operation in a graphical user interface environment can be generally referred to as "drag and drop". 另外,如屏幕1400所示,如果发起人选择在交易成员1402之间均等地划分整个组费用清单1080,发起人可以选择图形按钮1似8。 In addition, as shown in the screen 1400, if the initiator selects equally divided between members of the 1402 transaction costs throughout the group list 1080, the sponsor may select a graphic buttons like 1 8. 例如,选择图形按钮14¾可在发起人、NFC付款人、信用卡付款人和智能卡付款人之间均等地划分组费用清单总数1336。 For example, selecting the graphic button 14¾ group can be divided equally between the cost of the total list of 1336 sponsor, NFC payer, credit cards and smart cards payer payer. 另外,虽然当前附图中示出的拖放图示表示可以在根据当前描述的技术的设备上提供的一种实现,应当理解,在当前交易中可以使用用于分配组费用清单项目1330的任何类型的适合的接口技术。 Further, although drag the icon shown in the figures represents the current provided by an implementation device according to the presently described technology, it should be understood that the group may be used for allocating the cost of the list of items in the current transaction any 1330 suitable type of interface technology.

[0349] 继续到图30G,可以更新屏幕1400,以便指出费用清单项目1430已被分配给发起人。 [0349] Continuing to FIG. 30G, you can update the screen 1400, pointed out that the list of expenses for 1430 have been allocated to the project sponsor. 如当前附图所示,组费用清单项目1330的分配还可以包括基于分配的费用清单项目1430的费用与总费用清单数目1336的比例量,自动分配此处以标号13¾和1334分别表示的税费和小费数目。 As shown in the present illustration, the cost of the group list of items allocated 1330 may further include a charge based on the number list 1430 the total cost of assignment ratio of the amount of charges list items 1336, automatically assigned to Tax and reference numerals 1334 denote 13¾ herein and The number of tip. 然而,应当理解,用于分配税费数目13¾和小费数目1334的替换技术,包括用于自动分配这些数目的替换方案,以及用于由发起人手动分配这些数目的技术, 也在本公开的范围内。 However, it should be understood that the number of taxes for dispensing tip replacement techniques 13¾ number 1334 and comprising a number of automatic dispensing of these alternatives, as well as the number of these techniques for dispensing manually by the sponsor, the scope of this disclosure Inside. 接着,发起人可以继续分配剩下的组费用清单项目1330。 Then, sponsors can continue to allocate the cost of the rest of the group list items 1330. 例如,图30G还示出向发起人分配列表1402上的费用清单项目1432,以及随后根据上面讨论的技术 For example, FIG. 30G also shows the distribution of the charge list of items on the list 1402 to 1432 sponsor, and then according to the above discussed art

64自动分配任何另外的税费和小费数目。 64 automatically assign any number of additional tax and tip.

[0350] 本领域的技术人员应当理解,可能产生在两个或更多个交易成员1402之间分配特定费用清单项目的需要。 [0350] One skilled in the art will appreciate, may need to allocate between 1402 produced two or more members of a particular transaction costs of items in the list. 作为例子,可能在每个交易成员1402之间共有特定费用清单项目。 As an example, we may share certain costs among the list of items in each transaction member 1402. 因此,可以通过选择图形按钮1436分配共有的费用清单项目。 Therefore, the total cost can be allocated list of items by selecting the graphic button 1436. 对图形按钮1436的选择可将发起人导航到屏幕1438。 Choice of graphical button 1436 may sponsor navigate to the screen 1438. 屏幕1438 —般可以显示组费用清单项目列表1330,并且还可以指出哪些费用清单项目1330已被分配,诸如费用清单项目1430和1432。 Screen 1438-- like to display a list of items set fee list 1330, and also pointed out that the list of items which cost 1330 has been allocated, such as the cost of the list of items 1430 and 1432. 应当理解, 可能不能在屏幕1438上选择已经分配的费用清单项目1430和1432。 It should be understood, the cost may not be selected list of items that have been allocated in 1430 and 1432 on the screen 1438. 如当前附图所示,发起人可以选择共有的费用清单项目1440以便在多个组交易成员之间分配该项目。 Sponsors can choose total cost of the current list of items as shown in the figures for 1440 allocated to the project in more than one group transactions between members. 例如,在选择费用清单项目1440之后,可以在屏幕1438上显示弹出窗口1442。 For example, after selecting a list of costs item 1440, 1442 can display pop-up window on the screen 1438.

[0351] 弹出窗口1442可以显示当前组交易成员列表1402。 [0351] 1442 pop-up window can display the current trading group members list 1402. 如此处示出的,可以给每个组交易成员提供复选框图形。 As shown herein, it is possible to provide a graphical checkbox to each member of the group trading. 因此,发起人可以使用与每个相应成员相关联的复选框图形,通过选择适当的组交易成员,指定如何分配费用清单项目1440。 Therefore, the initiator can use the check boxes graphics associated with each respective member by selecting the appropriate members of the group of transactions, specify how to allocate the cost of inventory items 1440. 另外,如当前附图所示,通过选择此处以标号1444表示的复选框图形,发起人可以在所有组交易成员1402之间均等地分配共有的费用清单项目1440。 In addition, as shown in the current drawing, graphics reference to box 1444 represents promoters may be equally allocated a total project cost of inventory between 1402 here in all groups by selecting members of the 1440 transaction. 一旦进行了适当选择,发起人可以选择图形按钮1446以根据弹出窗口1442中反映的选择分配共有的费用清单项目1440。 Once the appropriate choice of promoters may be selected graphic buttons 1446 to allocate a total of 1442 according to the pop-up window to select reflect the cost of inventory items 1440. 另外,发起人可以通过选择图形按钮1448取消该分配处理。 In addition, the initiator can be canceled by selecting the graphic button allocation process 1448. 在选择图形按钮1446之后,可以在所有组交易成员1402 之间均等地分配费用清单项目1440,并且发起人可以返回屏幕1400。 After selecting the graphical button 1446, the cost can be equally distributed among all the list items 1440 1402 Group trading members and sponsors can return to the screen 1400. 如更新的屏幕1400 上的组费用清单项目列表1330所示,可以更新费用清单项目1440的列表以表明该项目已被分配,如上面讨论的那样。 Group expenses such as updating the list of items on the 1400 list screen 1330, the list can be updated list of costs of the project 1440 to indicate that the project has been allocated, as discussed above.

[0352] 现在继续到图30H,在分配共有的费用清单项目1440之后,发起人可以继续分配另外的费用清单项目。 [0352] Continuing now to FIG. 30H, after the allocation of a total project cost of inventory 1440, sponsors can continue to allocate additional expense list item. 例如,图30H示出了可以对应于NFC付款人所欠数目的费用清单项目1452和1妨4的分配。 For example, FIG. 30H shows the distribution may correspond to the number of charges owed NFC payer list items 1452 and 1 to 4 harm. 如当前附图所示,一旦正确分配了费用清单项目1452和1妨4,如上面讨论的,可以在屏幕1400上更新它们相应的列表。 As shown in the present illustration, once correctly assigned cost list of items 1452 and a 4 wish to, as discussed above, may update their respective list on the screen 1400. 应当理解,在费用清单项目1330的分配期间,发起人可以选择显示在列表1402内的一个或多个组交易成员以观看部分费用清单的当前状态。 It should be appreciated that during the allocation of the cost of inventory items 1330, sponsors can choose to display a list of 1402 in one or more group members to view the transaction part of the cost of current inventory status. 例如,通过选择NFC付款人,发起人可以观看屏幕1456,其可以显示对应于NFC付款人所欠数目的部分费用清单。 For example, by choosing the NFC payer, sponsors can watch the screen 1456, which may display a portion corresponding to the number of bill of costs owed NFC payer. 如此处示出的,屏幕1456可以显示共有的费用清单项目1440中NFC付款人的部分,以及另外的费用清单项目1452和1妨4。 As shown herein, the screen can display a total of 1456 cost the list of items in the 1440 NFC portion of the payer, as well as additional costs hinder the list of items 1 and 4 1452. 另外,如上面讨论的,基于分配的费用清单项目的总费用,可以自动计算任何适用的税费和小费数目,如此处以标号1458所示。 In addition, as discussed above, based on the total cost allocation of the cost of items in the list, it can automatically calculate any applicable taxes and gratuities number, so punishable label 1458 shown. 因此,通过累加上面的项目、税费和小费数目,可以显示此处以标号1460 表示的部分费用清单的总数。 Therefore, by accumulating the above items, taxes and the number of tips, you can display a list of the total cost of the part indicated by reference numeral 1460 here. 另外,屏幕1456还可以提供图形按钮1462,发起人可以使用图形按钮1462从当前组交易成员中去除已分配的项目,诸如可能被错误分配的项目。 In addition, the screen 1456 can also provide graphical buttons 1462, promoters can use the graphical button 1462 has been assigned to remove items from the current members of the group of transactions, such as project may be incorrectly assigned. 为了继续分配其余组费用清单项目1130,发起人可以选择图形按钮1464以便返回屏幕1400。 In order to continue to allocate the cost of the rest of the group list items 1130, sponsors may choose to return to the screen graphic buttons 1464 1400.

[0353] 如更新的屏幕1400所示,一旦正确分配了所有组费用清单项目1330,如上面参考图四的方法1220的步骤1234-1240讨论的,发起人可以通过选择图形按钮1466开始从每个组交易成员收集支付的处理。 [0353] The updated screen 1400, once set correctly assigned all items SOE method 1330, as described above with reference to step 1220 of FIG four 1234-1240 discussed, promoters can begin by selecting each of the graphical button 1466 the group members collect payment processing transactions. 如当前附图所示,选择图形按钮1466可以在发起人设备上显示屏幕1470。 As shown in the present illustration, the button selection pattern 1466 may display a screen 1470 on the initiator device. 屏幕1470可以显示图形按钮,诸如图形按钮1472、1474和1476,它们中的每一个可以对应于组交易成员1402中的相应一个。 Screen 1470 may display a graphical buttons, 1472,1474 and 1476 such as graphical buttons, each of which may correspond to a respective group of transactions 1402 members. 例如,如上面讨论的,图形按钮1472可以对应于NFC付款人,图形按钮1474可以对应于信用卡付款人,而图形按钮1476可以对应于智能卡付款人。 For example, as discussed above, graphical button 1472 may correspond to the NFC payer, graphical button 1474 may correspond to a credit card payers, and graphical button 1476 may correspond to a smart card payer. 应当理解,屏幕1470可以不包括对应于发起人的图形按钮,因为在主交易1172中支付组费用清单1180时,发起人已经付清了组费用清单1080中发起人的相应部分。 It should be understood, the screen 1470 may not include a graphical button corresponding to the sponsors, because the cost of inventory in the main group to pay transaction 1172 in 1180, the sponsor has paid the cost of the corresponding part of the group in the list of 1080 sponsors.

[0354] 可以根据上面讨论的一种或多种交易技术,从以图形按钮1472、1474和1476示出的其余组交易成员中的每一个收集支付。 [0354] In accordance with one or more transactions may be the techniques discussed above, the payment collected from each of the graphical button 1472,1474 and 1476 set of transactions remaining members shown in the. 例如,通过选择图形按钮1472,发起人可以进入屏幕1480,其可以显示多个图形按钮1482、1484、1486和1488。 For example, by selecting the graphic button 1472, the screen 1480 can enter promoters, which can display a plurality of graphical buttons 1482,1484,1486 and 1488. 这些图形按钮中的每一个可以表示可从相应组交易成员获得支付的不同方法。 These graphical buttons each of which can represent a different method of payment transaction can be obtained from the corresponding group member. 例如,图形按钮1482可以表示分别以图12A、12B和12C中的交易375、376和378示出的技术。 For example, techniques graphical button 1482 may be represented, respectively 12A, the trading 375,376 12B and 12C and 378 illustrated. 另外,图形按钮1484可以表示上面参考图20中描述的交易860描述的交易技术。 Further, the graphical button 1484 can represent transaction technology described transaction 860 20 described above with reference to FIG. 另外,图形按钮1486可以表示在交易952 和970中描述并且分别在图23和M中示出的功能。 Further, the graphical button 1486 may represent a description of the transaction 952 and 970, respectively, and M in FIG. 23 and shown in function. 如此处所示,通过选择图形按钮1488, 发起人还可以具有从相应组交易成员接收现金支付的选项。 As shown here, by selecting the graphic button 1488, the promoters also may have the option to receive cash payments from the corresponding set of trading members. 虽然此处没有详细解释,选择图形按钮1488可以简单地显示确认屏幕,通过该确认屏幕,一旦对应于部分费用清单数目的现金支付已从组交易成员转移到发起人,发起人可以确认对支付的接收。 Although no detailed explanation here, select the graphical button 1488 may simply display a confirmation screen by the confirmation screen, once part of the cost list corresponds to the number of cash transactions from group members transferred to the sponsor, the sponsor can confirm the payment of receive. 最后,图形按钮1490可以允许发起人在需要时取消当前交易或返回屏幕1470。 Finally, the graphical button 1490 may allow sponsors to cancel the current transaction or return to the screen in 1470 when required.

[0355] 如上面讨论的,NFC付款人可以拥有NFC付款人设备92。 [0355] As discussed above, NFC payer payer NFC device 92 can have. 因此,通过选择图形按钮1482,以便通过在每个相应设备10和92的NFC接口60之间建立NFC连接(例如,1196)以交换关于部分费用清单的信息和可被NFC付款人选择的相应支付账户来发起支付,发起人可以选择从NFC付款人获取支付。 Thus, 1482, in order to connect (e.g., 1196) to the respective exchange and payment information may be selected NFC payer SOE part by selecting graphical button by establishing between each respective NFC device 10 and the NFC interface 60 of 92 account to initiate a payment, the sponsor can choose to get paid from the NFC payer. 例如,如当前附图所示,选择图形按钮1482可以在发起人设备10上显示屏幕1494。 For example, as shown in the present illustration, the button selection pattern 1482 may display a screen 1494 on the initiator device 10. 屏幕1494可以显示通知消息1496,其一般可以通知发起人正在建立NFC连接1194,并且可能需要到NFC付款人设备92的搭接操作。 Screen 1494 may display a notification message 1496, which may be generally notifier 1194 is NFC connection is established, and may require the payer to the NFC device 92 overlapping operation. 屏幕1494还可以包括图形按钮1498,从而允许发起人在需要时取消NFC连接1196的建立。 Screen 1494 may also include a graphical buttons 1498, allowing sponsors to cancel the 1196 NFC connection is established when needed.

[0356] 如图28所示,一旦已经在发起人设备10和付款人设备92之间交换了部分费用清单1198和支付信息1200,可以在发起人设备上显示屏幕1500。 [0356] shown in Figure 28, once it has been partially exchanged cost payment information list 1198 and 1200 between the initiator device 10 and the payer device 92, a screen 1500 may be displayed on the initiator device. 屏幕1500可以显示发起人身份1502,NFC付款人身份1504以及支付数目,支付数目可以对应于图30H内的屏幕1456 上示出的部分费用清单数目1460。 1500 screen can display the identity of the sponsor 1502, 1504 payer's identity and the number of payments NFC, payment may correspond to the number on the screen 1456 in Figure 30H shows a list of the number of part of the cost of 1460. 屏幕1500还可以显示根据上面讨论的技术由NFC付款人选择的支付账户,如图14E所示,其可以是NFC付款人的默认支付账户554。 The screen display 1500 may also be by the techniques discussed above to select the payer NFC payment account, as shown in FIG. 14E, which may be an NFC payer 554 default payment account. 屏幕1500还可以显示当前选择的存入账户,其可以是默认存入账户216。 1500 screen can also display the currently selected deposit accounts, which may be a default deposit accounts 216. 因此,如上面讨论的,为了接受NFC付款人所提供的支付数目1460,发起人可以选择图形按钮686,以便将所请求的支付存入默认存入账户216。 Thus, as discussed above, in order to receive payment number provided by the payer NFC 1460, the initiator may be selected graphical button 686, so that the requested payment deposit account 216 stored default. 此后,如果交易被成功完成,可以在发起人设备上显示屏幕1510。 After that, if the transaction is completed successfully, the screen can be displayed on the 1510 sponsor equipment. 屏幕1510可以包括通知消息1512,其一般可以向发起人指出,NFC付款人所欠数目1460已被存入发起人的存入账户2166。 Screen 1510 may include a notification message 1512, which can generally be pointed out to promoters, NFC payer owed number 1460 has been deposited into the Account 2166 promoters. 另外,通知消息1512还可以指出已经向NFC付款人提供了确认或收据。 In addition, the notification message also pointed out that 1512 may have provided confirmation or receipt to the NFC payer. 此后,发起人可以通过选择图形按钮1514返回屏幕1400,以便从智能卡付款人和信用卡付款人收集其余支付,或通过选择图形按钮1516取消或结束交易。 Since then, the sponsor may return to the screen 1400 by selecting the graphic button 1514, to collect the remaining payment from the credit card and smart card payer payer, or to cancel or end the transaction by selecting the graphic button 1516.

[0357] 现在继续到图30J,一旦接收了NFC付款人的支付,可以更新屏幕1400上的列表1402,如标号1518所示,以便指示已经完成了发起人和NFC付款人之间的交易。 [0357] Continuing now to FIG. 30J, upon receiving the payment NFC payer can update the list 1402 on the screen 1400, as shown in reference numeral 1518, to indicate that the transaction has been completed between the initiator and the NFC payer. 接着,通过再次选择图形按钮1466,发起人可以从智能卡付款人和信用卡付款人继续收集其余待完成的部分费用清单。 Then, by selecting the graphic button again to 1466, the sponsor may continue to collect the remaining part of the cost of inventory to be completed from the smart card and credit card payer payer. 在选择图30J的图形按钮1466之后,发起人可以导航到屏幕1470。 After selecting the graphic button 1466 30J, the initiator can navigate to a screen 1470. 如当前附图所示,屏幕1470可以更新,以便反映发起人已经接收到NFC付款人所欠数目。 As shown in the present illustration, the screen 1470 can be updated to reflect the number of promoters have been received NFC payer owed. 例如, 可以更新当前显示的屏幕1470,其中去除了以前显示的图形按钮1472,并且仅显示其余图形按钮1474和1476,它们分别可以表示信用卡付款人和智能卡付款人所欠的未付支付。 For example, you can update the currently displayed screen 1470, which previously displayed graphical buttons to 1472 in addition to, and only show the rest graphical buttons 1474 and 1476, respectively, the payer may represent a credit card and smart card payer owed unpaid payments. [0358] 此处,通过选择图形按钮1476,发起人可以返回屏幕1480,如上面在图301中讨论的,通过屏幕1480,发起人可以选择从智能卡付款人接收支付的适当方法。 [0358] Here, by selecting the graphic button 1476, the initiator 1480 may return to the screen, as discussed above in FIG. 301, the screen 1480, the initiator can be appropriately selected from a method of receiving a payment the payer's smart card. 例如,在当前附图中,发起人可以选择图形按钮1484,以便使用上面参考图20讨论的技术启动支付的接收。 For example, in the present figures, the initiator 1484 may select a graphical button in order to use the technique discussed above with reference to FIG. 20 to start receiving a payment. 例如,在选择图形按钮1484之后,如图观所示,可以在设备10上显示屏幕1520,并且显示通知消息1522,其发起人指出,设备10上的NFC接口当前被激活,并且可以通过搭接智能卡862与发起人设备10而启动NFC连接1196。 For example, after selecting the graphical button 1484, as shown in FIG concept, a screen 1520 may be displayed on device 10, and displays the notification message 1522, which promoters noted, the NFC currently activated on the interface device 10, and can be overlapping smart card 862 and NFC initiator device 10 starts connection 1196. 接着,一旦发起人设备已经诸如借助NFC 连接1196接收到存储在智能卡862的存储芯片864上的信息,可以显示屏幕1500。 Then, once the device has promoters such as the NFC connection means 1196 receives the information stored on the memory chip 864 of the smart card 862, may display a screen 1500. 如上面讨论的,屏幕1500可以显示发起人身份,以及此处以标号15¾表示的智能卡付款人的身份。 As discussed above, the 1500 screen can display the identity of the sponsor, and the smart card label 15¾ represented the payer's identity here. 屏幕1500还可以显示支付数目1528,其可以对应于信用卡付款人所欠的部分费用清单。 1500 screen can also display the number of pay for 1528, which may correspond to a list of some credit card fees owed by the payer. 因此,发起人可以选择图形按钮686以便启动上面讨论的交易授权动作,诸如将当前信息传输给金融服务器100,以便将支付数目15¾存入到存入账户216。 Therefore, the sponsor may select a graphic button 686 to initiate the transaction authorization action discussed above, such as the current financial information to the server 100 in order to pay the deposit to the deposit account number 15¾ 216. 如屏幕1510所示,如果成功处理了当前交易,可以显示通知消息1512,并且可以从智能卡862中支取数目1528。 As shown in the screen 1510, if successful handling of the current transaction, you can display a notification message 1512 and 1528 the number may withdraw from the smart card 862. 此后,为了完成组交易,发起人可以选择图形按钮1514以便返回屏幕1400,并且从信用卡付款人收集最后的未付支付。 Since then, the group in order to complete the transaction, the initiator can select the graphics screen button 1514 to return to 1400, and finally collect unpaid credit card payment from the payer.

[0359] 现在继续到图30K,在选择图形按钮1514之后,屏幕1400可被更新并且显示在发起人设备10上。 [0359] Continuing now to FIG. 30K, after selecting the graphical button 1514, the screen 1400 can be displayed and updated on the initiator device 10. 如当前附图所示,更新的屏幕1400上的列表1402可以指出发起人已经接收到智能卡付款人所欠的部分费用清单,如此处标号1532所示的。 If the current figures, an update on the 1402 list screen 1400 may be pointed out that the sponsor has received a partial list of smart card fees owed by the payer, as shown here in the 1532 label. 因此,为了收集剩下的由信用卡付款人所欠的支付,发起人可以选择图形按钮1466,以便访问更新的屏幕1470。 Therefore, in order to collect the remaining payments owed by the credit card payer, the sponsor may select a graphic buttons 1466, 1470 in order to access the screen updates. 如此处所示,更新的屏幕1470现在可以仅显示图形按钮1474,其仅反映剩下的欠发起人的支付。 Screen as shown here, the updated 1470 can now display graphical buttons 1474 only, which only reflect the payment owed to the rest of the sponsors. 通过选择图形按钮1474,发起人可以进入屏幕1480,并且选择图形按钮1486,以便使用此处以标号1540表示并且上面参考图23和M分别所示的交易952和970 —般描述的图像处理和信息提取技术,从信用卡付款人的磁信用卡%4获得支付。 By selecting the graphical button 1474, the screen 1480 can enter promoters, and selecting the graphic button 1486 for use herein by reference numeral 1540 denotes transactions and 23, respectively and M shown above with reference to FIGS. 952 and 970 - Image processing and information extraction as described technology, access to credit card payments from the payer's magnetic credit card 4%. 例如,发起人设备10可以使用上面讨论的照相机48获取磁信用卡954的图像1212。 For example, the initiator device 10 may use the camera 48 discussed above obtain a magnetic credit card image 1,212,954. 一旦发起人设备10获取了图像1212,可以使用一种或多种图像处理技术,诸如上面提到的OCR技术,以便从与信用卡%4所表示的信用卡账户相对应的图像1212中提取信息。 Once the initiator device 10 acquires an image 1212, you may use one or more image processing techniques, such as OCR technology mentioned above, in order to extract information from a credit card account with the credit card represented 4% of the image corresponding to 1212.

[0360] 继续到图30L,一旦从图像1212中提取了所需的信用卡信息,可以显示上面参考图26D讨论的屏幕1060。 [0360] Continuing to FIG. 30L, once the required credit card information extracted from the image 1212, may display a screen discussed above with reference to FIG. 26D 1060. 虽然此处未示出,应当理解,还可以提供上面讨论的用于编辑提取的卡信息以处理可能在图像处理和提取步骤1540期间发生的任何不正确之处的各种技术。 Although not shown here, it should be understood that various techniques may also be provided in any place of the incorrect card information to the extracted editing process that may occur during the extraction step 1540 and the image processing discussed above. 为了将信用卡付款人所欠的部分费用清单存入到存入账户216,发起人可以选择图形按钮686。 For a partial list of the costs owed by the payer credit card deposit to the deposit account 216, the sponsor may select a graphic button 686. 选择图形按钮686可将发起人导航到屏幕1066,如上面讨论的,屏幕1066可以表示在可以处理交易之前必须由信用卡付款人执行的一个或多个附加的授权动作。 Select the graphic button 686 may sponsor navigate to the screen 1066, as discussed above, the screen 1066 may represent a credit card by the payer must be executed before the transaction can be processed or more additional authorized action. 例如, 屏幕1066可以要求信用卡付款人在文本字段1068内输入费用清单数目,并且在文本字段1070内提供对应于信用卡%4的CVV码。 For example, screen 1066 may enter a credit card number of the payer bill of costs in the text field 1068, and provides a credit card corresponding to 4% of the CVV code in the text field 1070. 另外,信用卡付款人可以具有在文本字段1072内提供电子邮件地址的选项,一旦交易已经完成,该电子邮件地址可用于向信用卡付款人传输支付收据。 In addition, credit card payer may have the option to provide an email address in the text field 1072, once the transaction has been completed, the e-mail address can be used to pay credit card receipt to the payer transmission.

[0361] 一旦信用卡付款人已经提供了显示在屏幕1066上的字段所需的信息,可以通过选择图形按钮1074处理剩余的交易。 [0361] Once the credit card payer has provided information needed to display the fields on the screen 1066 can handle the rest of the transaction by selecting the graphic button 1074. 如果交易被成功处理,可以在发起人设备10上显示屏幕1510,包括通知消息1512,其向发起人指出,信用卡付款人所欠的最后支付已被接收并且存入到存入账户216。 If the transaction is processed successfully, the screen can be displayed on the sponsors device 10 in 1510, including the 1512 notification message, its sponsors to point out that credit card payer owed last payment has been received and credited to the deposit account 216. 发起人然后可以通过选择图形按钮1516退出交易。 Sponsor can then withdraw from the transaction by selecting the graphic button 1516. 可替换地,如果发起人选择返回费用清单屏幕1400,如当前附图所示,可以显示弹出窗口1542。 Alternatively, if the selected sponsor list screen 1400 return costs, as shown in the current figures, pop-up window 1542 may be displayed. 弹出窗口1542可以向发起人指出已经从组交易成员接收到了所有未付支付。 Pop-up window 1542 may indicate to the sponsor has been received from the members of the group to deal with all outstanding payments. 弹出窗口还可以包括图形按钮1544和图形按钮巧46,通过图形按钮巧44,用户可以选择启动后续的组交易, 通过图形按钮巧46,发起人可以接受退出完成的组交易,并且从而例如返回设备10的主屏眷29 ο Pop-up window 1544 may further include graphical buttons, and graphic button 46 Qiao, Qiao graphical button 44, the user can choose to start a subsequent group of transactions, by clever graphical buttons 46, the initiator may exit the group receiving the transaction is completed, and thus return the device e.g. the main screen 10 dependents 29 ο

[0362] 虽然如图30F-30H所示的,是借助于分配具体的组费用清单项目来提供上述组交易中的每个部分费用清单的确定,但是应当理解这种技术仅旨在提供一种可能实现的例子。 [0362] Although shown in FIG. 30F-30H is provided to determine the cost of each portion of the group list by means of the transaction fee to assign a specific set of list items, it should be understood that such techniques are merely intended to provide an examples of possible implementation. 实际上,在别的实现中,在设备10和92上执行的交易应用34可以允许发起人或组交易成员自己指定部分支付数目来付清组费用清单中他们各自的部分。 In fact, in other implementations, the transaction application 34 executing on the device 10 and 92 may be allowed to sponsor members of the group or transaction number to pay part of their own group designated to pay the cost of the list in their respective sections.

[0363] 现在继续到图31,示出被配置为进行上面参考图观讨论的组交易的系统的替换实施方式,此处以标号1560 —般表示。 [0363] Continuing now to FIG. 31, there is shown an alternative embodiment is configured to set the transaction discussed above with reference to FIG concept of the system, where reference numeral 1560-- represent like. 示出的交易1560与上面讨论的交易1170的不同之处可以在于卖方设备1176可以作为当前示出的交易的发起设备。 1560 shows trading transactions discussed above may be different from 1170 in that vendor's equipment can be used as the initiator device 1176 shown in the current transaction. 另外,当前交易1560中的设备10可以作为向卖方进行关于部分费用清单的支付的付款人。 In addition, in 1560 the current transaction device 10 may be used as part of the cost payer on the list of payments to the seller. 应当理解,当前示出的交易可以不包括图28中讨论的主交易步骤1172和副交易步骤1174,而是可以在单组交易中完成,其中从信用卡付款人、智能卡付款人、与NFC付款人设备92相关联的NFC付款人、 以及与NFC付款人设备10相关联的NFC付款人中的每一个接收支付。 It should be understood that the current transaction is shown in FIG. 28 may be the primary transaction discussed in step 1172 and 1174 does not include the sub-step transactions, but may be done in a single set of transactions in which the payer's credit card, smart card payer, the payer with the NFC NFC devices associated payer 92, each receiving a payment NFC 10 associated payer and the payer device with the NFC. 出于区分设备10和设备92的用户的目的,这些设备的相应用户可被称为第一NFC付款人(对应于NFC付款人设备10)和第二NFC付款人(对应于NFC付款人设备9¾。如上面讨论的,卖方设备1176 可以建立自组织网络,借助该自组织网络,所有参与当前交易1560的具有能力的设备都可以加入。例如,如此处所示,设备10和设备92可以加入自组织网络1562以便接收当前费用清单1564,其可以反映总体表示每个当前所示交易成员所欠的总数目的组费用清单。另外,如上面讨论的,第一和第二NFC付款人可以观看当前费用清单1564,可以在交易1560期间实时更新当前费用清单1564,诸如以便反映费用清单项目向对应交易成员的分配,以及反映卖方对来自组交易成员的支付的接收。 For the user to distinguish between device 10 and device 92 objects, the user of these devices may be referred to as a first payer NFC (NFC payer apparatus corresponding to 10) and a second NFC payer (corresponding to the payer device 9¾ NFC ., as discussed above, the device vendor 1176 may establish an ad hoc network, by means of which ad hoc network, all devices have the ability to participate in the current transaction 1560 may be added. For example, as shown here, the device 10 and the device 92 may be added from 1562 organizational network in order to receive the current 1564 list of costs, which may reflect the overall group costs represent the total number of transactions shown in the list of current members each owed. in addition, as discussed above, the first and second NFC can view the current fee payers 1564 list can be updated in real time during the current list of expenses 1564 1560 transaction, such as a list of items to reflect the allocation of the cost of the transaction to the corresponding members, and to reflect the seller receives payment from a member of the trade group.

[0364] 一旦已经向卖方设备正确地分配了所有费用清单项目,部分费用清单可被传送给参与交易1560的每个付款人。 [0364] Once all expenses list items have been correctly assigned to a vendor's equipment, part of the costs involved in each list can be transmitted to the payer transaction 1560. 例如,此处以标号1568表示的对应于第一NFC付款人所欠数目的部分费用清单可借助于建立的NFC连接1566从卖方设备1176传输到NFC付款人设备10。 For example, where a first portion to correspond to the number of the payer NFC numeral 1568 denotes a list of outstanding fees may be established by means of the NFC connection apparatus 1566 transmitted from the vendor 1176 to the NFC device 10 payer. 如上面讨论的,NFC连接1566的建立可能需要付款人设备10和卖方设备176每个之间的搭接操作。 As discussed above, NFC 1566 may require connection establishment between 176 overlapping each payer operation device 10 and the device vendor. 在接收到部分费用清单1568之后,第一NFC付款人可以选择设备10上的支付账户,并且借助于NFC连接166将此处以标号1570表示的支付账户信息传输给卖方设备1176。 After receiving the list part of the cost 1568, the first NFC payer can select a payment account on the device 10, and is connected by means of NFC payment account information 166 transmitted impose this numeral 1570 denotes the device 1176 to the seller. 如上面讨论的,卖方设备1176然后可以借助网络1574将交易信息1572传输给金融服务器100,其中,交易信息1572还可以包括选择的存入账户,可由上面讨论的任何适合网络提供网络1574。 The seller device as discussed above 1176 and 1574 can make use of the network will be transmitted to the 1572 financial transaction information server 100, wherein the transaction information 1572 may also include a selection of deposit accounts, any suitable network discussed above by providing network 1574. 如果所请求的交易1572被金融服务器授权,以标号1576表示的支付可被存入卖方选择的存入账户。 If the requested transaction is authorized financial Server 1572, to cover the 1576 numbers represent the seller can be stored in the selected deposit accounts. 另外,可以在第一和第二NFC付款人借助自组织网络1562观看的当前费用清单1564上指出卖方设备在当前交易1560期间接收的任何支付。 In addition, self-organizing network can make use of the current 1562 list of costs in 1564 to watch the first and second NFC device payer pointed out that any payment received by the seller in the transaction during the current 1560 on. 应当理解,可以更新当前费用清单1562,以便反映已经被接收的未付支付。 It should be understood, you can update the current list of costs 1562 to reflect the outstanding payment has been received.

[0365] 接着,卖方设备可以进一步传输对应于第二NFC付款人的部分费用清单1582。 [0365] Next, the transmission apparatus may further seller portion corresponding to the second NFC SOE 1582 payer. 例如,如当前附图中所示,部分费用清单1582可借助NFC连接166被传输给付款人设备92。 For example, the current as shown in the drawings, the list 1582 may be part of the cost 166 is connected by means of NFC device 92 is transmitted to the payer. 因此如上面讨论的,第二NFC付款人可以选择此处以标号1584表示的支付账户,并且将关于选择的支付账户的相应信息传输给卖方设备,卖方设备然后可以进一步将信息1572传输给金融服务器以便授权和处理。 Therefore, as discussed above, the second NFC payer may select herein by reference numeral 1584 denotes a payment account, and transmitting the corresponding information about the selected payment account to the seller of the device, the device vendor may then transmit further information to the financial server 1572 to authorization and processing. 另外,卖方设备还可以借助NFC网络1566接收来自智能卡862的支付信息。 In addition, the seller 1566 device can also receive payment information from the smart card 862 by means of NFC network. 例如,如上面讨论的,使用NFC搭接操作,此处以标号1588表示的存储在包含在智能卡862内的存储芯片上的信息可被传输给卖方设备1176。 For example, as discussed above, using NFC lap operation, numeral 1588 denotes where to store the information contained in the memory chip in the smart card 862 may be transmitted to the seller equipment 1176.

[0366] 卖方设备1176还可以包括照相机,诸如上面讨论的照相机48,其可用于获取磁信用卡954的图像。 [0366] Seller apparatus 1176 may further include a camera, a camera 48, such as discussed above, which may be used to obtain a magnetic credit card image 954. 一旦获得该图像(此处以标号1590表示),可以使用上面讨论的用于提取对应于信用卡954的账户信息的一种或多种技术处理该图像。 Once the image (represented herein by reference numeral 1590), may be used for extracting discussed above corresponds to a credit card account information 954 of one or more of the image processing technique. 应当理解,从参与组交易1560的每个付款人接收的支付信息可被传输给金融服务器100以便进行处理。 It should be understood, may be transferred from the payer payment information for each group involved in 1560 received a financial transaction server 100 for processing. 因此,如上面讨论的,如果所请求的支付被金融服务器授权,此处以标号1576表示的相应支付将被应用于卖方所选择的存入账户。 Therefore, as discussed above, if the requested payment is authorized financial server, the corresponding numbers paid in 1576 represented here will be applied to the selected vendor into account.

[0367] 现在参考图32A-32D,示出了根据当前描述的技术的另一种实施方式的一系列屏幕图像,示出了卖方设备1176执行交易1560时的操作。 [0367] Referring now to FIGS. 32A-32D, a series of screen image shown according to another embodiment of the presently described technique manner, apparatus 1176 shown seller transactions performed in operation 1560. 应当理解,卖方设备1176可以包括类似于上面参考电子设备10讨论的交易应用34的交易应用。 It should be appreciated that apparatus 1176 may include a vendor transaction similar to the above electronic device 10 with reference to the application in question transaction application 34. 例如,如图32A所示,屏幕110可被显示在卖方设备1176上。 For example, as shown in FIG. 32A, the screen 110 may be displayed 1176 on the vendor's equipment. 通过选择图形按钮114,卖方可以导航到屏幕476,并且进一步选择图形按钮482,以便访问屏幕1270上的图形按钮1272、1274和1276。 By selecting the graphic button 114, the seller can navigate to the screen 476, and further selecting the graphic button 482, so the graphical buttons 1272,1274 and 1270 1276 Access screen. 此处,通过选择图形按钮1272,卖方可以发起组交易1560,从而进入屏幕1278。 Here, by selecting the graphic button 1272, the seller can initiate a group of transactions 1560, 1278 and thus enter the screen.

[0368] 如上面讨论的,屏幕1278可以显示用于执行组交易的若干选项。 [0368] As discussed above, the screen 1278 can display a number of options for execution group transactions. 此处,取代如上面参考图28的交易1170讨论的选择图形按钮1观0,可以取而代之选择以复选框1282表示的选项。 Here, the transaction substituted as above with reference to FIG. 28 to select a graphic button 1170 discussed concept 0, may instead select the option indicated in box 1282. 一旦被选择,卖方可以进一步选择图形按钮1284以便继续当前交易1560。 Once selected, the seller can further select the graphical button 1284 in order to continue the current transaction 1560. 例如, 对图形按钮1284的选择可将卖方导航到图32B所示的屏幕1594。 For example, selection of a graphical button 1284 of FIG. 32B may be shown to the seller the navigation screen 1594.

[0369] 如上面讨论的,当前交易可以发生在餐馆账单的情况下,其中显示了此处以标号1596表示的餐馆的餐桌列表。 [0369] As discussed above, the current transaction may occur in the case of a restaurant bill, which shows a list of restaurants in the table here represented by reference numeral 1596. 每个显示的餐桌可以包括关于坐在每个餐桌处的成员的状态的指示器。 Each table display may include an indicator member sitting on the table at each state. 例如,餐桌可被指示为“ready (准备好)”,其含义是顾客已经吃完饭并且准备结账。 For example, the table may be indicated as "ready (ready)", which means customers have finished eating and ready to check out. 另外,空餐桌可被表示为“empty (空)”,而顾客仍然在吃饭的餐桌可被表示为“pending(未完成)”。 In addition, empty table can be expressed as "empty (blank)", and the customer is still at dinner table can be represented as "pending (unfinished)." 例如,列表1596中的餐桌1598可以指出顾客已准备支付费用清单。 For example, in 1596 the list table 1598 may indicate that the customer is prepared to pay the cost of inventory. 如图所示,通过选择餐桌1594,卖方可以导航到屏幕1600。 As illustrated, by selecting the table 1594, the screen 1600 can navigate to the seller. 屏幕1600可以类似于上面参考图30C讨论的屏幕1370,S卩,当前示出的屏幕可以建立自组织网络,通过该自组织网络,其它具有功能的设备(诸如设备10和92)可以加入。 Screen 1600 may be similar to the screen of FIG. 30C discussed above with reference to 1370, S Jie, the current screen shown may establish an ad hoc network, through the ad hoc network, other devices (such as devices 10 and 92) has a function may be added. 屏幕1600可以显示卖方身份1602,以及当前交易标识符1604。 1600 screen can display the identity of the seller 1602, and the current transaction identifier 1604. 一旦所有具有功能的设备(诸如设备10和92)加入了自组织网络1194,如此处以标号1608和1610所示,卖方可以选择图形按钮1606,以便继续到图32C 所示的屏幕1614。 Once all devices (such as devices 10 and 92) has a function to join the ad hoc network 1194, reference numerals 1608 and 1610 thus imposed, the seller may choose graphical button 1606, in order to continue to the screen shown in FIG. 32C 1614.

[0370] 如屏幕1614所示,可以显示交易成员列表1616,其最初可以包括第一和第二NFC 付款人。 [0370] As shown in screen 1614 may display a list of transactions member 1616, which may include first and second initial NFC payer. 屏幕1614还可以显示组费用清单项目列表1330。 1614 screen can also display a list of items in the list set costs 1330. 通过选择图形按钮1406,卖方可以执行以图30E中的屏幕图像一般示出的功能,以便将信用卡付款人和智能卡付款人添加到当前交易,从而更新组交易成员列表1616。 By selecting the graphic button 1406, the seller can function in a screen image shown in Figure 30E general, in order to add a credit card payer and the payer to the current smart card transactions, trading members to update the list 1616. 接着,一旦所有组交易成员已被添加到当前交易,卖方可以向相应交易成员分配费用清单项目。 Then, once all members of the trading group has been added to the current transaction, the seller can be assigned to the appropriate list of items the cost of trading members. 例如,如上面讨论的,可以使用拖/放操作向相应组交易成员分配各种费用清单项目,诸如费用清单项目1430。 For example, as discussed above, you can use drag / drop operations distribution fees to the appropriate list of items trading group members, such as the cost of inventory items 1430.

[0371] 现在继续到图32D,如当前附图的更新的屏幕1614所示,卖方可以继续分配所有其余组费用清单项目1330。 [0371] Continuing now to FIG. 32D, as shown in the current update of the figures of the screen 1614, the seller can continue to allocate all remaining costs of the group list items 1330. 另外,应当注意,在分配处理过程中可以更新每个组交易成员1616所欠数目。 In addition, it should be noted, in the allocation process to update the 1616 owed by the number of transactions for each group member. 如上面讨论的,一旦已经确定了每个部分费用清单的数目,卖方可以选择图形按钮1466以便进入屏幕1620,其中卖方可以启动从每个组交易成员收集相应支付的处理。 As discussed above, has been determined, the number of each part of the cost of inventory, the seller can choose to enter the screen graphic buttons 1466 1620, where the seller can start the process to collect appropriate payment transactions from each group member. 例如,示出的屏幕1620可以显示图形按钮1622、1624、16¾和16观。 For example, the illustrated screen 1620 may display the graphical buttons 16 and 1622,1624,16¾ concept. 如上面讨论的,这些图形按钮中的每一个可以对应于组交易成员1616中相应一个所欠的数目。 As discussed above, these graphic buttons Each group may correspond to a respective number of transactions in a 1616 member owed. 因此,以与图30I-30K所示屏幕给出的步骤类似的方式,通过选择图形按钮1622、1624、16¾和16¾之一,卖方可以从每个组交易成员收集支付。 Therefore, in the step shown in FIG screen gives a similar manner 30I-30K, and one of 16¾, sellers may pay transactions member from each group was collected by selecting the graphic button 1622,1624,16¾.

[0372] 在选择了显示的图形按钮1622、1624、16沈和16¾之一后,可以从选择的组交易成员处接收支付信息。 [0372] After one of 1622,1624,16 Shen 16¾ select the button to display the graphic, you can receive payment information from a member of the group of transactions selected. 此后,如标号1630所示,可以根据获取支付信息的方法执行用于处理每个交易的相应技术。 Thereafter, as shown in reference numeral 1630, may correspond to techniques for processing each transaction performed according to a method of obtaining payment information. 例如,应当理解,选择图形按钮1622可以诸如借助图31所示的NFC连接1566向设备10上的第一NFC付款人发起NFC支付请求。 For example, it will be appreciated that the graphical button 1622 may be selected, such as by means of connection 31 as shown in FIG NFC 1566 NFC payment initiation request to the first NFC device 10 on the payer. 因此,第一NFC付款人可以借助NFC连接1566向卖方设备1176提供以图31的标号1570所示的支付信息。 Thus, the first NFC NFC connection means payer may provide payment information 1566 to 1570 illustrated in FIG. 31, reference numeral 1176 to the vendor's equipment. 应当理解,卖方可以继续从每个组交易成员收集支付,直到已经接收到所有未付支付。 It should be understood, the seller may continue to collect payments from each member of the group of transactions until all outstanding payments have been received. 另外,虽然当前附图中未示出,应当理解,如果需要,在向卖方设备1176传输支付信息之前,每个组交易成员可以具有指定小费数目的选项。 In addition, although not shown in the current drawing, it should be understood that, if desired, prior to transmission of payment information to the seller equipment 1176, trading members of each group may have a specified number of tip options.

[0373] 一旦卖方接收到所有未付支付,可以在屏幕1614上显示弹出窗口1632。 [0373] Once the seller receives payment of all unpaid, you can display pop-up window on the screen 1632 1614. 如图32D 所示,弹出窗口可以向卖方指出,已经从组交易成员1616接收到所有未付支付。 As shown in Figure 32D, the pop-up window can be pointed out to the seller, the transaction has been received from the members of the group 1616 to all outstanding payments. 另外,弹出窗口1632可以显示图形按钮1634和图形按钮1636,通过图形按钮1634,卖方可以发起后续的组交易,通过图形按钮1636,卖方可以选择退出组交易应用。 In addition, the pop-up window can display graphical buttons 1632 1634 1636 buttons and graphics, graphical buttons by 1634, the seller can initiate a subsequent group of transactions, by graphical buttons 1636, the seller may opt out of group trading applications. 虽然具体是以分配餐馆账单为背景描述了图观和图31所示的实施例中的该组交易技术,但是应当理解,该技术可适用于包括多个付款人的任何组交易情况。 Although specific allocation is described in the context of a restaurant bill FIGS transaction technology concept and the set of the embodiment shown in FIG. 31, it should be understood that the technique is applicable to any set of transactions including a plurality of the payer.

[0374] 如当前示出的附图所示,可以借助存储在结合有本公开的一个或多个方面的设备上的交易应用(例如,以图标34表示)提供此处讨论的各种功能。 [0374] As shown in the drawings presently shown, may be stored in the means of the present disclosure incorporating a transaction or more aspects of the application on the device (e.g., an icon 34 shown) provides various functions discussed herein. 实际上,交易应用可以包括存储在一种或多种机器可读介质(诸如存储设备54)上并且被配置为由处理器50执行以提供上面讨论的设备10的一种或多种功能的编码指令。 In practice, the transaction application may include encoding processor 50 performs one or more functions to provide the device 10 discussed above is stored in one or more machine-readable media (such as storage device 54) and being configured by instruction. 另外,应当理解,交易应用还可以包括定义在本公开中讨论的各种图形屏幕图像和用户界面功能的编码指令。 Further, it should be appreciated that transaction application may also coded instructions various screen images and graphical user interface features discussed in this disclosure, including definitions. 然而,还应当理解,可以使用各种图形元素和视觉方案实现在上面附图中提出和描述的功能,并且本公开不旨在局限于上面给出的精确用户界面约定。 However, it should also be understood, various graphical elements and visual programs implemented in the drawings and set forth in the above described functions, and the disclosure is not intended to be limited to the precise user interface conventions given above.

[0375] 虽然本发明可以有各种修改和替换形式,已经借助附图中的例子示出并且在此处详细描述了特定实施例。 [0375] While the invention is susceptible to various modifications and alternative forms, it has been shown by means of example in the drawings and described in detail herein specific embodiments. 然而,应当理解,在本公开中提出的技术不旨在局限于公开的特定形式。 However, it should be appreciated that the techniques proposed in the present disclosure is not intended to be limited to the particular forms disclosed. 而是本发明覆盖落在所附权利要求定义的本公开的精神和范围内的所有修改、等同物和替换方案。 But the present invention is defined in the appended claims to cover the modifications all within the scope and spirit of the present disclosure, equivalents, and alternatives.

Claims (76)

1. 一种使用手持电子设备在对等交易中接收支付的方法,包括:获取手持电子设备上的支付信息,所述支付信息包括至少一个由付款人选择的支付账户;确定用于接收支付的存入账户;和获得支付授权。 1. A method for receiving a payment of an electronic device in a peer handheld transactions, comprising: obtaining payment information on a handheld electronic device, the payment information includes at least one payment account selected by the payer; determining means for receiving payment deposit account; and obtain payment authorization.
2.如权利要求1所述的方法,其中获取支付信息包括在通信接口上接收支付信息,所述通信接口被配置为与另一设备上的另一个通信接口建立通信路径。 2. The method according to claim 1, wherein the payment information acquiring includes receiving payment information over a communication interface, the communication interface is configured to communicate to another interface on the other device to establish a communication path.
3.如权利要求2所述的方法,其中响应于使用所述通信接口从手持电子设备向所述另一设备传输的电子支付请求,接收所述支付信息,所述电子支付请求包括所请求的支付数目。 3. The method according to claim 2, wherein said communication interface in response to a payment request to the electronic apparatus further transmitted from the handheld electronic device, receiving the payment information, the electronic payment request includes the requested The number of payments.
4.如权利要求3所述的方法,其中所述通信接口包括近场通信(NFC)接口,其中通信路径包括NFC路径,并且NFC路径是使用在手持电子设备和所述另一设备之间执行的NFC搭接操作而建立的。 4. The method according to claim 3, wherein said communication interface comprises a near field communication (NFC) interfaces, wherein the communication path comprises a NFC path, and the NFC is performed using the path between the handheld electronic device and the other device the NFC overlapping operations established.
5.如权利要求2所述的方法,其中所选择的支付账户包括智能卡,并且获取支付信息包括使用所述通信接口接收存储在智能卡上的支付信息。 5. The method according to claim 2, wherein the selected payment account comprises a smart card, and acquires payment information comprises payment information received through said communication interface is stored on the smart card.
6.如权利要求1所述的方法,其中获取支付信息包括获取支付工具的图像,以及从获取的图像提取支付信息数据。 6. The method according to claim 1, wherein the payment information acquiring means includes an image obtaining payment, and payment information acquired from the extracted image data.
7.如权利要求6所述的方法,其中支付工具包括信用卡,并且提取的支付信息数据包括信用卡账号、到期日期、信用卡提供商身份、信用卡账户持有人身份中的至少一个,或它们的任何组合。 7. The method according to claim 6, wherein the payment means comprises a credit card, payment information and the extracted data including credit card number, expiration date, credit card provider identity, the identity of the credit card account holders at least one, or a any combination.
8.如权利要求6所述的方法,其中支付工具包括支票,并且提取的支付信息数据包括银行代号、银行账号、支付数目、银行账户持有人身份、支票标识符号码中的至少一个,或它们的任何组合。 Payment information data 8. The method according to claim 6, wherein the tool comprises a check payment, including bank and the extracted code, bank account number, payment number, bank account holder identity check at least one identifier number, or any combination thereof.
9.如权利要求1所述的方法,其中确定存入账户包括:响应于手持电子设备的用户的请求,显示存储在手持电子设备上的存入账户列表; 接收来自手持电子设备的用户的选择输入;和基于接收到的选择输入,从该列表中选择存入账户。 9. The method according to claim 1, wherein the determining into account comprising: in response to a hand-held electronic device requests the user to display a list of accounts stored in the handheld stored on the electronic device; receiving a selection from a user of the handheld electronic device input; and based on the received selection input, selected from the list into account.
10.如权利要求1所述的方法,其中获得支付授权包括:从手持电子设备向与该手持电子设备分开的至少一个外部服务器传输支付信息,所述至少一个外部服务器被配置为基于传输的支付信息而授权所述支付,并且如果支付被授权,将支付存入所述存入账户。 10. The method according to claim 1, wherein obtaining payment authorization comprising: a transmission-based payment from the payment information to the handheld electronic device at least one external transmission server separate from the handheld electronic device, said at least one external server is configured information and authorize the payment, and if the payment is authorized, will be paid into the deposit account.
11.如权利要求10所述的方法,其中选择的支付账户包括信用卡账户,并且所述至少一个外部服务器包括与信用卡提供商相关联的服务器。 11. The method according to claim 10, wherein the selected payment account include a credit card account, and at least one external server comprises a server associated with the credit card provider.
12.如权利要求10所述的方法,其中选择的支付账户是银行账户,并且所述至少一个外部服务器包括与银行业务提供商相关联的服务器。 12. The method according to claim 10, wherein the selected payment account is a bank account, and the server comprises at least one external service provider server and the associated bank.
13.如权利要求10所述的方法,其中选择的支付账户是非现金账户。 13. The method according to claim 10, wherein selecting a non-cash account payment account.
14.如权利要求13所述的方法,其中非现金账户包括与在线数字媒体提供商相关联的账户,并且所述至少一个外部服务器包括与在线数字媒体提供商相关联的服务器。 14. The method according to claim 13, wherein the non-cash account includes an account with the online digital media provider associated, and at least one external server includes a digital media server and the online provider associated.
15. 一种手持电子设备,包括: 处理器;至少一个通信接口,其中所述至少一个通信接口包括第一通信接口,所述第一通信接口被配置为与另一设备上的通信接口建立第一通信路径;和存储器设备,所述存储器设备通信地耦接到处理器并且被配置为存储至少一个支付账户、至少一个存入账户和能够由处理器执行的交易应用,该交易应用被配置为使用第二通信接口将手持电子设备所接收的支付信息传输给至少一个外部服务器,以便使用该支付信息获得支付授权。 15. A handheld electronic device, comprising: a processor; at least one communications interface, wherein said communication interface comprises at least a first communication interface, the first communication interface configured to communicate with another device on the first interface establishment a communication path; and a memory device, the memory device communicatively coupled to the processor and configured to store at least one payment account, deposit account and the at least one transaction application can be executed by a processor, the transaction application is configured to a second communication interface using the payment information transmitted to the handheld electronic device to at least one of the received external server so that payment information obtaining payment authorization.
16.如权利要求15的手持电子设备,所述支付信息是使用第一通信接口接收的。 16. The handheld electronic device as claimed in claim 15, the payment information is received by using the first communication interface.
17.如权利要求16的手持电子设备,其中第一通信接口包括NFC接口,并且第一通信路径包括NFC路径。 17. The handheld electronic device as claimed in claim 16, wherein the first communication interface comprises a NFC interface, and the first communication path comprises a NFC path.
18.如权利要求15的手持电子设备,其中在接收支付信息之后,所述交易应用被配置为提示手持电子设备的用户选择存入账户。 18. The handheld electronic device as claimed in claim 15, wherein after receiving the payment information, the transaction application is configured to prompt the user to select the handheld electronic device into account.
19.如权利要求15的手持电子设备,还包括照相机,所述照相机被配置为获取支付工具的图像,其中手持电子设备所接收的支付信息是从获取的图像中提取的。 19. The handheld electronic device as claimed in claim 15, further comprising a camera, the camera is configured to acquire image payment instrument, wherein the handheld electronic device receives payment information is extracted from the image acquired.
20.如权利要求15的手持电子设备,还包括显示器,其中显示器被配置为显示手持电子设备所接收的支付信息和存储在手持电子设备上的存入账户的列表。 20. The handheld electronic device as claimed in claim 15, further comprising a display, wherein the display is configured to display the handheld electronic device receives payment information stored in the list into an account on the handheld electronic device.
21.如权利要求15的手持电子设备,其中所述至少一个通信接口包括被配置为与所述至少一个外部服务器建立通信路径的第二通信接口,并且使用第二通信接口将手持电子设备所接收的支付信息传输给所述至少一个外部服务器。 21. The handheld electronic device as claimed in claim 15, wherein said at least one communication interface is configured to include the at least one second server to establish a communication interface to an external communication path and the second communication interface using the handheld electronic device received the payment information is transmitted to the at least one external server.
22. —种在手持电子设备上进行具有多个组交易成员的组交易的方法,该方法包括:在手持电子设备上获取组费用清单,所述组费用清单包括一个或多个组费用清单项目;使用手持电子设备支付整个组费用清单;确定每个组交易成员的部分费用清单,每个部分费用清单包括相应组交易成员所欠的支付数目;将每个部分费用清单提供给相应的组交易成员;和基于被包括在每个组交易成员的相应部分费用清单中的支付数目,从每个组交易成员收集支付。 22. - kind of method has multiple members of the group set of transactions traded on a handheld electronic device, the method comprising: obtaining a set list of expenses on a handheld electronic device, the group includes a list of expenses or costs more groups list items ; using a handheld electronic device to pay the cost of the entire group list; determine each member of the group transaction cost inventory parts, each part of the cost list includes the number of members to pay the appropriate set of transactions owed; will provide a list of each part of the cost to the appropriate group of transactions members; and based on the number of payments to be included in the list of the corresponding portion of the transaction fee for each member of the group, to collect payment from each transaction group members.
23.如权利要求22所述的方法,其中获取组费用清单包括使用手持电子设备上的通信接口接收组费用清单,所述通信接口被配置为与另一设备上的通信接口建立通信路径。 23. The method according to claim 22, wherein the obtaining comprises using SOE group handheld communication interface receives SOE group on the electronic device, the communication interface is configured to establish a communication path with the communication interface of another device.
24.如权利要求23所述的方法,其中通信接口包括NFC接口,并且通信路径包括在所述手持电子设备和所述另一设备之间通过NFC搭接操作建立的NFC路径。 24. The method according to claim 23, wherein the communication interface comprises a NFC interface, and the communication path comprises between the handheld electronic device and another device via the NFC overlapping operation established NFC path.
25.如权利要求23所述的方法,其中支付整个组费用清单包括:确定存储在手持电子设备上的支付账户;和使用所述通信接口将支付信息传输给所述另一设备,支付信息包括所确定的支付账户,所述另一设备被配置为将支付信息传输给被配置为授权支付以便使用所确定的支付账户来付清组费用清单的至少一个外部服务器。 25. The method according to claim 23, wherein the pay the cost of the entire group list comprising: determining a payment account stored on the handheld electronic device; and a communication interface using the payment information is transmitted to the other device, including payment information the determined payment accounts, the other device is configured to transmit payment information to a payment authorization is configured to use the determined payment account to pay the cost of the group list of at least one external server.
26.如权利要求22所述的方法,其中确定部分费用清单包括分配所述一个或多个组费用清单项目。 26. The method according to claim 22, wherein the list comprises determining part of the cost of the one or more groups dispensing fee list item.
27.如权利要求沈所述的方法,其中所述一个或多个组费用清单项目在组交易成员之间等分。 27. The method of claim sink, wherein the one or more item groups SOE group of transactions among members aliquots.
28.如权利要求沈所述的方法,其中分配组费用清单上的项目包括:(a)响应于手持电子设备的用户的输入,从一个或多个组费用清单项目中选择组费用清单项目;(b)将所选择的组费用清单项目与至少一个对应的组交易成员相关联;和(c)重复步骤(a)和(b),直到分配了所有的组费用清单项目。 28. The method according to claim sink, wherein the items on the list cost allocation set comprising: (a) a handheld electronic device in response to user input, the group selection list item cost from one or more groups of fee list item; (b) the cost of the selected group with a list of items corresponding to at least one group of transactions associated with members; and (c) repeating steps (a) and (b), until all the groups are assigned the cost of inventory items.
29.如权利要求观所述的方法,其中所选择的组费用清单项目是两个或更多个组交易成员之间共有的,并且关联所选择的组费用清单项目包括在所述两个或更多个组交易成员之间分配所选择的组费用清单项目的费用。 Concept 29. The method of claim, wherein the selected group of fee list of items is shared between two or more members of the group of transactions and the costs associated with the selected group is included in the list of items or two allocation of costs between more members selected set of transactions cost the group a list of items.
30.如权利要求沈所述的方法,还包括使用手持电子设备建立网络,由组交易成员操作的另一设备可以连接在该网络中,并且在所述另一设备上显示对手持电子设备上的所述一个或多个组费用清单项目的分配,所述另一设备连接到所述网络并且由组交易成员操作。 30. The method of claim Shen, further comprising establishing a network using a handheld electronic device, the other device by the operation member group of transactions may be connected in the network, and on the other device on a display of the handheld electronic device dispensing the one or more groups of items SOE, the other device connected to the network and is operated by members of the set of transactions.
31.如权利要求23所述的方法,其中基于每个组交易成员相应的部分费用清单从每个组交易成员收集支付包括:(a)响应于来自手持电子设备的用户的输入,选择组交易成员;(b)将对应的部分费用清单传送给所选择的组交易成员;和(c)从所选择的组交易成员获取支付信息,所述支付信息包括由所选择的组交易成员选择的支付账户。 Select group of transactions (a) in response to an input from a user of the handheld electronic device of: 31. A method as claimed in claim 23, wherein the transaction based on the respective part of the costs Each group member list of each group were collected from the payment transaction member comprising transaction members of the group (b) a list of the corresponding part of the cost to the selected transmission;; members and (c) obtaining the payment transaction information from the selected member of the group, the payment information includes a payment transaction is selected from the group selected member account.
32.如权利要求31所述的方法,还包括:(d)将支付信息传输给至少一个外部服务器,以便获得授权从而接收从该支付账户进行的支付;和(e)重复步骤(a)-(e)直到所有的部分费用清单已被支付。 32. The method according to claim 31, further comprising: (d) transmitting the payment information to at least one external server in order to obtain authorization to receive payment from the payment account; and (e) repeating steps (a) - (e) until all part of the list of expenses has been paid.
33.如权利要求31所述的方法,其中传送部分费用清单包括:使用所述通信接口建立与由所选择的组交易成员操作的另一设备上的通信接口的通信路径,将部分费用清单传输给由所选择的组交易成员操作的另一设备。 33. The method according to claim 31, wherein the transmission section SOE comprising: using said communication interface to establish a communication path with the communication interface to another device on the transaction selected from a group member of the operation, part of the cost of the transmission list to another device by a group of selected members of the trading operations.
34.如权利要求31所述的方法,其中从所选择的组交易成员获取支付信息包括使用所述通信接口接收支付信息。 34. The method according to claim 31, wherein the payment information acquiring comprises using the communication interface receives the payment transaction information from the selected group members.
35.如权利要求31所述的方法,其中获取支付信息包括:获取由所选择的组交易成员提供的支付工具的图像;和处理获取的图像以提取支付信息数据。 35. The method according to claim 31, wherein the payment information acquiring comprises: acquiring an image transaction of payment by the selected group members provided; and image processing the acquired data to extract payment information.
36.如权利要求31所述的方法,其中支付账户包括信用卡账户、银行账户或非现金账户。 36. The method according to claim 31, wherein the payment account includes a credit card account, bank account or cash account.
37. 一种手持电子设备,包括:处理器;至少一个通信接口,其中该至少一个通信接口包括第一通信接口,所述第一通信接口被配置为与另一设备上的通信接口建立通信路径;和存储器设备,所述存储器设备通信地耦接到处理器并且被配置为存储至少一个支付账户、至少一个存入账户和能够由处理器执行的交易应用,所述交易应用被配置为:显示使用第一通信接口从所述另一设备接收的组费用清单,确定支付账户,将至少包括该支付账户的支付信息提供给所述另一设备,确定一个或多个组交易成员中的每一个的部分费用清单,以及基于相应的部分费用清单,从所述一个或多个组交易成员中的每一个收集支付。 37. A handheld electronic device, comprising: a processor; at least one communication interface, wherein the communication interface comprises at least a first communication interface, the first communication interface is configured to communicate with another device on the communication path establishing an interface ; and a memory device, the memory device communicatively coupled to the processor and configured to store at least one payment account, deposit account and the at least one transaction application can be executed by a processor, the transaction application is configured to: display using a first set of charges received from said communication interface to another device list, determining a payment account, the payment information including at least payment accounts provided to the other device, determining one or more members of the group in each of the transactions part of the cost of inventory, as well as the corresponding part of the list of expenses, from the one or more group members to collect payment transactions each based.
38.如权利要求37所述的手持电子设备,其中通过响应于手持电子设备的用户的一个或多个输入将组费用清单上的一个或多个费用清单项目分配给对应的组交易成员,确定所述一个或多个组交易成员中的每一个的部分费用清单。 38. The handheld electronic device according to claim 37, wherein in response to a user of the handheld electronic device or a plurality of inputs will allocate one or more items on the list of costs to the cost of the group list of group members associated with the transaction, determined the list of expenses or part of a transaction more than one group member in each.
39.如权利要求37所述的手持电子设备,其中通过响应于手持电子设备的用户的一个或多个输入在所述一个或多个组交易成员之间均等地分配组费用清单,确定所述一个或多个组交易成员中的每一个的部分费用清单。 39. The handheld electronic device according to claim 37, wherein in response to a user of the handheld electronic device or a plurality of input SOE groups equally distributed between the one or more members of the group transaction, determining the part of the cost list of one or more members of the group of transactions each.
40.如权利要求37所述的手持电子设备,其中从所述一个或多个组交易成员中的每一个收集支付包括:接收每个部分费用清单的支付信息,所述支付信息包括所述一个或多个组交易成员中的每一个所选择的至少一个支付账户。 40. The handheld electronic device according to claim 37, wherein the transaction or a plurality of groups of members each collector from a payment comprising: receiving payment information for each portion of the cost of inventory, the payment information comprises a or more of the group members in at least one transaction payment account for each choice.
41.如权利要求40所述的手持电子设备,其中从由组交易成员操作的另一设备传输所述支付信息,并且在第一通信接口上接收所述支付信息。 41. The handheld electronic device according to claim 40, wherein the transmission from the member by the operation of another set of transactions the payment device information, and receiving the payment information to the first communication interface.
42.如权利要求40所述的手持电子设备,其中从属于组交易成员的智能卡传输所述支付信息,并且在第一通信接口上接收所述支付信息。 42. The handheld electronic device according to claim 40, wherein the smart card belonging to the transmission member of the group of transactions payment information, and receiving the payment information to the first communication interface.
43.如权利要求40所述的手持电子设备,还包括被配置为获取由组交易成员提供的支付工具的图像的照相机,其中从该支付工具的图像中提取由手持电子设备接收的支付信肩、ο 43. The handheld electronic device according to claim 40, further comprising a camera configured to image a payment instrument is acquired by the group members with the transaction, wherein the payment channel shoulder extracted by the handheld electronic device is received from the image of the payment instrument , ο
44.如权利要求40所述的手持电子设备,其中所述交易应用还被配置为基于由手持电子设备的用户提供的一个或多个输入确定存入账户。 44. The handheld electronic device according to claim 40, wherein the transaction application is further configured based on one or more inputs by a user into the handheld electronic device determines the account.
45.如权利要求44所述的手持电子设备,其中基于由手持电子设备的用户执行的先前配置确定存入账户。 45. The handheld electronic device according to claim 44, wherein the performed by the user based on the handheld electronic device into account the previously determined configuration.
46.如权利要求44所述的手持电子设备,其中通过响应于手持电子设备的用户的请求显示存储在手持电子设备上的存入账户信息的列表,以及基于由手持电子设备的用户接收的选择输入从该列表中选择存入账户,来确定存入账户。 46. ​​The handheld electronic device according to claim 44, wherein the response to a request by a user of the handheld electronic device is stored in the handheld display list into account information on the electronic device, and received by the user based on the handheld electronic device selected from the list, select input into account to determine the deposit account.
47.如权利要求44所述的手持电子设备,其中所述至少一个通信接口还包括被配置为与至少一个外部服务器的通信接口建立通信路径的第二通信接口,并且所述一个或多个组交易成员所接收的支付信息被传输给至少一个外部服务器,所述至少一个外部服务器被配置为基于接收到的支付信息授权将支付存入所述存入账户。 47. The handheld electronic device according to claim 44, wherein said at least one communication interface further comprises a second communication interface is configured to at least one communication interface to external server and establishing a communication path, and the one or more groups payment transaction information received member is transmitted to the at least one external server, said at least one external server is configured based on the received payment information authorized to be paid into the deposit account.
48. 一种在对等交易中授权支付的方法,包括:接收由手持电子设备提供的交易信息;根据接收到的交易信息确定支付账户、存入账户和支付数目;确定是否授权从所述支付账户支取所述支付数目;和如果授权从所述支付账户支取所述支付数目,将与所述支付数目相对应的数目存入所述存入账户。 48. A method in a peer-authorize payment of the transaction, comprising: receiving transaction information provided by the handheld electronic device; determining a payment account, deposit account number and the payment according to the received transaction information; determining whether to authorize payment from the withdraw the payment account number; and a withdrawal authorization number if the number is stored in the payment from the payment account, and pay the corresponding number into the account.
49.如权利要求48的方法,其中所述交易信息包括从支付工具的图像提取的支付信肩、ο 49. The method of claim 48, wherein the transaction information comprises payment letter shoulder extracted from the image of the payment instrument, o
50.如权利要求48的方法,其中所述交易信息包括由所述手持设备使用通信接口接收的支付信息,所述通信接口被配置为与另一设备建立通信路径。 50. The method of claim 48, wherein the transaction information comprises payment information received by the communication interface apparatus of the handheld, the communication interface is configured to establish a communication path with another device.
51.如权利要求48的方法,其中支付账户包括信用卡账户,并且存入账户包括银行账户。 51. The method of claim 48, wherein the payment account includes a credit card account, bank account and credited the account comprises.
52.如权利要求51的方法,其中确定是否授权从信用卡账户支取所述支付数目包括: 从信用卡服务器获得对于从所述信用卡账户支取所述支付数目的授权。 52. The method of claim 51, wherein determining whether the number of the payment authorization from the credit card account to withdraw comprising: obtaining the payment authorization for the withdrawal from the credit card account number from the credit card server.
53.如权利要求48的方法,其中所述支付账户和存入账户中的每一个包括非现金账户。 53. The method of claim 48, wherein each of the payment accounts and includes a non-cash accounts credited account.
54.如权利要求53的方法,其中确定是否授权从非现金支付账户支取所述支付数目包括:从服务器获得对于从所述非现金支付账户支取所述支付数目的授权。 54. The method of claim 53, wherein determining whether to authorize the withdrawal of non-cash payment account number of the payment comprises: obtaining a number of authorization for the withdrawal of the non-cash payment from the payment account from the server.
55.如权利要求53的方法,其中所述非现金存入账户和支付账户以及所述服务器与在线数字媒体提供商相关联。 55. The method of claim 53, wherein the non-cash deposit accounts and payment account as well as the server and online digital media providers associated.
56.如权利要求48的方法,还包括:如果授权从所述支付账户支取所述支付数目,则向所述手持电子设备传输确认消息。 56. The method of claim 48, further comprising: if the number of the payment authorization to withdraw from the payment account, the transfer to the handheld electronic device an acknowledgment message.
57.一种电子设备,包括:通信接口,被配置为从另一手持电子设备接收交易信息; 处理器;和存储能够由所述处理器执行的应用的存储器设备,其中所述应用被配置为:基于接收到的交易信息确定支付账户、存入账户和支付数目,确定是否可以从所述支付账户支取对应于所述支付数目的支付,并且如果确定可以从所述支付账户支取所述支付数目,则存入所述存入账户。 57. An electronic device, comprising: a communication interface configured from another handheld electronic device receiving transaction information; and a processor; and a memory device storing the application can be executed by the processor, wherein the application is configured to : determining received transaction payment account information, payment deposit account number and determine whether the payment from the account withdrawal number corresponding to the payment of the payment, and if the number of the payment can be determined based on withdrawal from the payment account is deposited into the account.
58.如权利要求57所述的电子设备,其中所述至少一个通信接口被配置为与所述手持电子设备上的通信接口建立通信路径,以便接收所述交易信息。 58. The electronic device according to claim 57, wherein said at least one communication interface is configured to communicate on an interface of the handheld electronic device to establish a communication path, for receiving the transaction information.
59.如权利要求58所述的电子设备,其中所述通信接口包括LAN接口、无线LAN接口和WAN接口中的至少一个,或其任何组合。 59. The electronic device according to claim 58, wherein said communication interface comprises a LAN interface, a wireless LAN interface and a WAN interface at least one, or any combination thereof.
60.如权利要求59所述的电子设备,其中所述通信路径包括LAN通信路径、无线LAN通信路径、或WAN通信路径。 60. The electronic device as claimed in claim 59, wherein said communication path comprises a communication path LAN, a wireless LAN communication path, the communication path or WAN.
61.如权利要求59所述的电子设备,其中所述支付账户包括信用卡账户,并且所述通信接口还被配置为将所述信用卡账户和支付数目传输给信用卡验证服务器,以便确定是否可以从所述信用卡账户支取所述支付数目。 61. The electronic device according to claim 59, wherein said payment account comprises a credit card account, and the communication interface is further configured to account and the credit card number to the credit card payment transfer authentication server to determine whether that be from said credit card account number of the payment withdrawal.
62.如权利要求59所述的电子设备,其中所述存储器设备还被配置为存储关于与服务提供商相关联的非现金账户的信息。 62. The electronic device as claimed in claim 59, wherein the memory device is further configured to store information about the non-cash accounts and associated service provider.
63.如权利要求62所述的电子设备,其中所述支付账户和所述存入账户中的每一个包括与所述服务提供商相关联的非现金账户,并且所述电子设备还被配置为基于存储在存储器设备中的信息确定是否可以从所述非现金支付账户支取所述支付数目并且将其存入所述非现金存入账户。 63. The electronic device according to claim 62, wherein the payment credited to the account, and each comprises a cashless account of the service provider associated with the account, and the electronic device is further configured to information stored in the memory device determines whether the number of the payment may withdraw cash from the non-payment account and stores it in the non-account based cash in.
64.如权利要求63所述的电子设备,其中所述服务提供商包括在线数字媒体提供商, 并且所述非现金支付账户和存入账户包括能够向在线数字媒体提供商兑换的积分。 64. The electronic device of claim 63, wherein the service provider include online digital media provider, and the non-cash payment accounts and deposit accounts including the ability to redeem points online digital media providers.
65.一种方法,包括:提供手持电子设备,所述手持电子设备被配置为存储支付账户信息,提供可选择的金融服务提供商的列表,和将该列表中的一个金融服务提供商显示为指定的默认选择;和作为所述默认选择的交换,从该默认金融服务提供商收取第一费用。 65. A method, comprising: providing a handheld electronic device, the handheld electronic device a list configured to store payment account information, provide a selectable financial service providers, and the list is displayed as a financial services provider specified default selection; and as the default choice of the exchange, collect fees from the first financial default service provider.
66.如权利要求65所述的方法,还包括从未被指定为默认金融服务提供商的每个其它金融服务提供商收取第二费用,以作为将所述手持电子设备配置为在可选择金融服务提供商列表中提供这些其它金融服务提供商的交换。 66. The method according to claim 65, further comprising never been designated as a default financial service provider every other financial service provider charges the second charge, as the handheld electronic device is configured to select the financial the list of service providers to provide these exchange other financial service providers.
67.如权利要求66所述的方法,其中第一费用大于第二费用。 67. The method according to claim 66, wherein the first cost is greater than the second fee.
68.如权利要求65所述的方法,还包括如果手持电子设备的用户将与所述默认金融服务提供商相关联的支付账户存储到手持电子设备中,向所述默认金融服务提供商收费。 68. The method of claim 65 financial service providers charge to the default, further comprising a handheld electronic device if the user is stored with the default financial service provider associated with the payment account to the handheld electronic device.
69.如权利要求65所述的方法,包括如果手持电子设备的用户选择存储在手持电子设备上并且与所述金融服务提供商之一相关联的支付账户来在交易中进行支付,则向该金融服务提供商收取交易费。 69. A method according to claim 65, including if the handheld electronic device of choice stored in the handheld electronic device on the payment account and one of the financial service provider associated with the payment in the transaction, then to financial service providers charge a transaction fee.
70.如权利要求69所述的方法,其中反复地向所述金融服务提供商收取交易费。 70. The method of claim 69, wherein repeatedly charged a transaction fee to the financial service provider.
71.如权利要求69所述的方法,其中所述交易费是每次使用存储在手持电子设备上并且与所述金融服务提供商相关联的支付账户进行支付时,向所述金融服务提供商收取的固定费用。 71. The method of claim 69, wherein the transaction fee each time is stored for use in handheld electronic devices and payment account with the payment of the financial service provider associated to the financial service provider charge a flat fee.
72.如权利要求69所述的方法,其中按照与手持电子设备用户进行的支付相对应的支付数目的百分比计算向所述金融服务提供商收取的交易费。 72. The method of claim 69, wherein the percentage of payments in accordance with the number of payments made corresponding user computing devices and handheld electronic transaction fees charged to the financial service provider.
73.如权利要求69所述的方法,其中向手持电子设备的用户收取所述交易费的一部分。 73. The method according to claim 69, wherein the charge to the user of the handheld electronic device a portion of the transaction fee.
74.如权利要求65所述的方法,其中所述金融服务提供商包括信用卡提供商、借记卡提供商、银行业务提供商中的至少一个,或其任何组合。 74. The method according to claim 65, wherein the financial service provider includes a credit card provider, debit card provider, at least one, or any combination of the bank service provider.
75.如权利要求65所述的方法,其中所述金融服务提供商与非现金支付账户相关联。 75. The method of claim 65 wherein the financial service providers and non-cash payments associated with the account requirements.
76.如权利要求75所述的方法,其中所述金融服务提供商与在线数字媒体提供商相关联,并且所述非现金支付账户包括手持电子设备的用户可以兑换的积分。 76. A method according to claim 75, wherein the financial service provider and online digital media providers associated with, and the non-cash payment accounts including handheld electronic device user can redeem points.
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