CN102282578A

CN102282578A - Peer-to-peer financial transaction devices and methods

Info

Publication number: CN102282578A
Application number: CN200980144797XA
Authority: CN
Inventors: G·林; A·M·米克哈克; T·L·纳卡基玛; S·A·玛尤; M·罗森布拉特
Original assignee: Apple Computer Inc
Current assignee: Apple Inc
Priority date: 2008-09-30
Filing date: 2009-08-11
Publication date: 2011-12-14
Also published as: JP2012504273A; EP2332105A4; JP5568560B2; KR101217323B1; KR101428429B1; WO2010039337A2; KR20130027587A; KR20120069673A; WO2010039337A3; EP2332105A2; KR20110056561A

Abstract

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

Description

Equity financial transaction apparatus and method

Technical field

Embodiment relate generally to equity of the present disclosure transaction, and more specifically, relate to the various systems, method and the electronic equipment that are configured to initiate and handle this transaction.

Background technology

This section is intended to introduce the reader may be relevant with the various aspects of the present invention that are described below and/or propose various aspects.Believe that this discussion helps to provide background information to the reader, to help better understanding to various aspects of the present invention.Therefore, should be appreciated that and should read these statements in view of the above, rather than as admission of prior art.

Currently have many means of payment, and can be used for carrying out two sides or more in many ways between financial transaction.For example, can use credit card (credit card), debit card (debit card), check, eCheck and cash to pay.In recent years, Development of E-business is at least in part owing to popular based on the green money instrument of credit card, debit card and other.In addition, because the cash that the consumer may always not have exact number on hand is so that such as paying outstanding charge inventory (invoice) or bill (bill) to supplier or retailer, drawing institute's number of owing from consumer's credit card sometimes may be more convenient.

Along with we enter more mobile and society with fast rhythm, the use of cash or currency is replaced with the electronic transaction of using credit card, debit card etc. just gradually.Therefore, it is common that the consumer holds a plurality of non-monetary accounts (for example, a plurality of credits card or corresponding to the debit card of corresponding banking provider) simultaneously, and each account can be exclusively used in the purchase or the financial transaction of particular type.For example, the consumer can hold the credit card that can be exclusively used in gasoline or automobile and buy simultaneously, be used in particular for and the credit card of the relevant purchase of travelling, the one or more member card accounts that are used for the all-prupose credit card account of various purchases and only can be used for particular retailer or supplier.In addition, the consumer can also hold the one or more debit card accounts that are associated with corresponding banking provider simultaneously.

Be appreciated that the consumer can use any account discussed above to pay or participate in financial transaction by the means of payment (such as credit card) of expression account.Yet the increase of payment account (payment account) number of holding along with the consumer is carried a large amount of credit/debit card and is become more and more inconvenient.In addition, though the payment of using account discussed above to carry out can be easily professional compatible with retailer and supplier, be included in Internet and go up retailer and supplier's business of online foundation, but may always easily do not accepted by other consumer or " equity side " from the payment that these accounts are carried out.

Summary of the invention

Summarize herein some aspect of disclosed embodiment as an example below.Should be appreciated that only to provide these aspects, be not intended to limit to the scope of disclosed herein and/or any technology of proposing so that provide disclosed herein and/or the brief overview of the form that the various technology that propose may be taked to the reader.In fact, any technology disclosed herein and/or that propose can comprise the many aspects that may not propose below.

Disclosure relate generally to is used to use portable equipment to carry out the various technology of equity transaction.According to a disclosed embodiment, mancarried electronic aid can be configured to the information of one or more accounts that the storage representation user holds.For example, canned data can be represented one or more credit card that the user holds.As using in the disclosure, term " credit card " is appreciated that the card that comprises any kind, comprises the card that meets the ISO7810 standard, such as credit card, debit card, label account card, Gift Card etc.In one embodiment, credit card can use the accounts information (for example, ISO7813 standard) that is coded in the magnetic stripe stores user on the card.In other embodiments, describe as following, credit card can comprise the memory device (for example, beyond above-mentioned magnetic stripe) of the accounts information that is configured to store the user.Portable equipment can also be configured to store the information of one or more bank accounts of holding about the user.

Can also provide the one or more communication interfaces that are configured to send or transmit the information on the equipment of being stored in to portable equipment.For example, based on the input or the order that receive from the user, portable equipment can be configured to by for example being stored in to external unit (for example, as the payee) transmission and starts payment (for example, as the payer) corresponding to the payment information of credit card on the equipment.In one embodiment, receiving equipment can be similar mancarried electronic aid.In addition, equipment can be configured to receive payment information from external unit, and initiates transaction request, so that handle the payment information that receives, thereby deposits respective pay on the equipment of being stored in suitable account (for example, bank account).For example, transaction request can comprise with one or more external servers of the mandate that is configured to provide institute's requests transaction and communicating by letter.

Electronic equipment can also comprise one or more input equipments, such as camera apparatus, and a plurality of communication interface, it can comprise near-field communication (NFC) interface.According to an embodiment, equipment can use the NFC interface to initiate to send and receive with the payment information of external unit by the NFC handshake operation.In addition, electronic equipment can also use device identification networking protocol and external unit to set up communication link, so that receive or send payment information.

In other embodiments, electronic equipment can comprise and is used to handle image so that the Flame Image Process of information extraction is used.For example, use camera input equipment discussed above, can obtain the image of payer's the means of payment, the described means of payment can comprise credit card, check etc.Can handle the image that obtains, so that extract and definite information about the represented payment account of the means of payment.Therefore, the information that electronic equipment can use extraction comprises the request of the payment account information of extraction to one or more financial servers transmission, so that pay mandate.In addition, the technology of current description, it can comprise method, system and equipment, can be provided for carrying out the method and system easily of reciprocity financial transaction, and provide single point-of-transaction for sending and receive payment, thereby reduce or eliminate necessity that the user carries each physical payment instrument (for example, a plurality of credit/debit card).

The technology of current description can also be provided for carrying out one or more systems of the group transaction that comprises a plurality of groups of transaction members.In one embodiment, group transaction member can comprise the promoter of operating electronic equipment.The promoter can initiate main transaction, so that payment comprises the whole group of statement of expense of each group transaction number that the member owes.After this, the promoter can conclude the business with the one or more pairs of each execution among remaining group transaction member, so that collect the respective number of being owed.Be appreciated that the collection that the one or more communications that can use top brief explanation or image processing techniques are carried out unpaid payment.In addition, in other embodiments, the promoter can be the founder of the statement of expense, and directly collects the payment (for example, not having main transaction discussed above) corresponding to group transaction number that the member owes.

Return this electronic equipment application is provided, such as the computer program that provides on the one or more machine readable medias of being stored in of function discussed above is provided.In one embodiment, equipment can comprise display, and this application can provide the graphic user interface that can watch on display.By graphical interfaces, the user can operating equipment so that one or more in greater detail above-mentioned functions below carrying out.

About various aspects of the present disclosure, can there be the various improvement of above-mentioned feature.Further feature also can be bonded in these various aspects.These improve and supplementary features can independently or with any combination exist.For example, can be combined in any above-mentioned aspect of the present disclosure separately or with any combination about the various features of one or more embodiment discussion that illustrate below.Equally, the brief overview that provides above only is intended to make the reader to be familiar with some aspect and the context of embodiment of the present disclosure, rather than to the restriction of the subject content that proposes.

Description of drawings

When reading the following detailed description of some example embodiment with reference to the accompanying drawings, will understand these and other feature of the present disclosure, aspect and advantage better, wherein similarly label is represented like in institute's drawings attached, wherein:

Fig. 1 is the front elevation according to the electronic equipment of an embodiment;

Fig. 2 is the rear view of electronic equipment shown in Figure 1;

Fig. 3 is a simplified block diagram, shows the assembly that can use in electronic equipment shown in Figure 1;

Fig. 4 shows according to an embodiment, the equipment of Fig. 1 and and the external unit of the devices communicating of Fig. 1 between the block scheme of processing of equity transaction, wherein the equipment of Fig. 1 is as payee's equipment, and wherein external unit as payer's equipment;

Fig. 5 A shows a plurality of screens that can show on the equipment of Fig. 1, show credit card information is stored in method in the equipment of Fig. 1;

Fig. 5 B shows a plurality of screens that can show on the equipment of Fig. 1, show the method that is used for verifying the credit card information of importing at Fig. 5 A;

Fig. 6 A shows a plurality of screens that can show on the equipment of Fig. 1, show bank information is stored in method in the equipment of Fig. 1;

Fig. 6 B shows a plurality of screens that can show on the equipment of Fig. 1, show the method that is used for verifying the bank information of storing at Fig. 6 A;

Fig. 7 shows a plurality of screens that can show on the equipment of Fig. 1, show the method for allocating default payment account on the equipment of Fig. 1 (payment account);

Fig. 8 shows a plurality of screens that can show on the equipment of Fig. 1, show the method that on the equipment of Fig. 1 allocating default deposits account (crediting account) in;

Fig. 9 shows a plurality of screens that can show on the equipment of Fig. 1, show according to an embodiment and dispose the method for authorizing PIN code;

Figure 10 A and 10B show a plurality of screens that can show on the equipment of Fig. 1, show the method that is stored in the transaction application on the equipment of Fig. 1 according to an embodiment the locking and unlocking;

Figure 11 A shows a process flow diagram, shows according to payee's equipment of an embodiment application drawing 4 so that initiate transaction method;

Figure 11 B shows a process flow diagram, shows according to payer's equipment of an embodiment application drawing 4 so that the transaction method that response is initiated by the method for Figure 11 A;

Figure 12 A-12C is the aspect according to present technique, is applicable to the schematically illustrating of system of various types of transaction that execution can be carried out between the payee of Fig. 4 and payer's equipment;

Figure 13 shows at the trading time period shown in Figure 12 A-12C, the schematically illustrating of the communication process that can take place between the payee of Fig. 4 and payer's equipment;

Figure 14 A shows a plurality of screens that can show on the equipment of Fig. 1, show the method that is used to initiate to be transferred to the Payment Request of payer's equipment according to an embodiment;

Figure 14 B shows a plurality of screens, show communication port that use to set up with the Payment Request of Figure 14 A from payee's device transmission to payer's equipment;

Figure 14 C and 14D show the foundation of the communication port of Figure 14 B;

Figure 14 E-14G shows a plurality of screens that may be displayed on payer's equipment, shows the whole bag of tricks of selecting payment account in response to the Payment Request of Figure 14 A;

Figure 14 H shows and may be displayed on being used on payer's equipment and be enabled in payment account information that Figure 14 E the selects a plurality of screens to the transmission of payee's equipment;

Figure 14 I shows a plurality of screens, show to use the communication port of setting up among Figure 14 B, with the payment account information selected among Figure 14 E from payer's device transmission to payee's equipment;

Figure 14 J shows a plurality of screens that may be displayed on payee's equipment, shows to select to deposit account in and finish the transaction method of initiating at first in Figure 14 A;

Figure 15 A illustrates in greater detail one or more steps of the method shown in Figure 11 A according to the transaction shown in Figure 12 A-12C;

Figure 15 B shows some step of the method shown in Figure 11 B according to the transaction shown in Figure 12 A-12C;

Figure 16 A shows a process flow diagram, shows according to payer's equipment of an embodiment application drawing 4 so that initiate transaction method;

Figure 16 B shows a process flow diagram, shows according to payee's equipment of an embodiment application drawing 4 so that the transaction method that response is initiated in Figure 16 A;

Figure 17 A shows according to an embodiment and may be displayed on a plurality of screens on payer's equipment, shows according to the described method of Figure 16 A-16B and initiates transaction method;

Figure 17 B shows a plurality of screens that may be displayed on payee's equipment, shows to be used to select to deposit account in and to finish the transaction method of initiating with Figure 17 A;

Figure 18 is according to an embodiment, is applicable to that the wherein selected payment account of execution comprises the schematically illustrating of system of the transaction of noncash account;

Figure 19 A and 19B show a plurality of screens that may be displayed on payer's equipment, show according to an embodiment to select the noncash account of Figure 18 as payment account and initiation transaction method;

Figure 19 C shows a plurality of screens that may be displayed on payee's equipment, shows according to an embodiment to select noncash to deposit the method for account in;

Figure 19 D shows a plurality of screens that may be displayed on payee's equipment, shows to select to deposit account in and finish the transaction method of initiating in Figure 19 A;

Figure 20 is applicable to that execution is wherein provided the schematically illustrating of system of the transaction of selected payment account by smart card;

Figure 21 A illustrates in greater detail one or more steps of method shown in Figure 11 A according to transaction shown in Figure 20;

Figure 21 B shows some step of method shown in Figure 11 B according to transaction shown in Figure 20;

Figure 22 A shows a plurality of screens on the payee's equipment that may be displayed on Figure 18, shows according to an embodiment, is used to be received in the method for the payment information of storing on the smart card of Figure 18;

Figure 22 B shows between the smart card of payee's equipment and Figure 18 and sets up communication port, so that the payment information among the transmission diagram 22A;

Figure 22 C shows a plurality of screens that may be displayed on payee's equipment, shows to select to deposit account in and finish the transaction method of initiating in Figure 22 A;

Figure 23 is the schematically illustrating of system of carrying out transaction according to being applicable to of an embodiment, and the magnetic credit card that use is provided by the payer in this transaction provides selected payment account;

Figure 24 is the schematically illustrating of system of carrying out transaction according to being applicable to of an embodiment, and the check that use is provided by the payer in this transaction provides selected payment account;

Figure 25 A illustrates in greater detail one or more steps of method shown in Figure 11 A according to the transaction shown in Figure 23 and 24;

Figure 25 B illustrates in greater detail one or more steps of method shown in Figure 11 B according to the transaction shown in Figure 23 and 24;

Figure 26 A shows a plurality of screens that may be displayed on payee's equipment, shows the method for image of obtaining the credit card of Figure 23 according to an embodiment;

Figure 26 B shows and is used for handling the image that obtains at Figure 26 A, so that extract the technology of payment information;

Figure 26 C shows a plurality of screens that may be displayed on payee's equipment, shows the method for editor by the information of the acquisition of the image processing step shown in Figure 26 B;

Figure 26 D shows a plurality of screens that may be displayed on payee's equipment, shows to select to deposit account in and finish the transaction method of initiating in Figure 22 A;

Figure 27 A and 27B show a plurality of screens that may be displayed on payee's equipment, show the method for obtaining the image of the check among Figure 24 according to an embodiment;

Figure 27 C shows and is used for handling the image that obtains at Figure 27 B, so that extract the technology of payment information;

Figure 27 D shows a plurality of screens that may be displayed on payee's equipment, shows to select to deposit account in and finish the transaction method of initiating in Figure 27 A;

Figure 27 E shows a plurality of screens that may be displayed on payee's equipment, shows the method for obtaining the image of the check among Figure 24 according to another embodiment;

Figure 27 F shows and is used for handling the image that obtains at Figure 27 E, so that extract the technology of payment information;

Figure 27 G shows a plurality of screens that may be displayed on payee's equipment, shows based on the image that obtains in Figure 27 E to select to deposit account in and finish the transaction method of initiating in Figure 27 A;

Figure 28 is according to an embodiment, is applicable to schematically illustrating of the system that carries out the group transaction comprise a plurality of payers;

Figure 29 is a process flow diagram, shows the group transaction method that is used to carry out Figure 28;

Figure 30 A shows a plurality of screens that may be displayed on the initiator device, shows the main portion of the group transaction of Figure 28;

Figure 30 B and 30C show a plurality of screens that may be displayed on the initiator device, show to be used for finishing the main transaction of initiating at Figure 30 A, and the method for the secondary part of initiation group transaction;

Figure 30 D shows a plurality of screens that may be displayed on payer's equipment, shows the group transaction method that adds Figure 28;

Figure 30 E shows a plurality of screens that may be displayed on the initiator device, shows the technology that is used for to group transaction interpolation additional transactions member shown in Figure 28;

Figure 30 F shows a plurality of screens that may be displayed on the initiator device, shows the technology that is used for to a group transaction member cost of distribution inventory item;

Figure 30 G shows a plurality of screens that may be displayed on the initiator device, shows the technology that is used for to two or more group transaction member cost of distribution inventory item;

Figure 30 H shows a plurality of screens that may be displayed on the initiator device, shows the method that is used to watch the part statement of expense according to an embodiment;

Figure 30 I-30L shows a plurality of screens that may be displayed on the initiator device, shows the method for collecting payment according to an embodiment from each group transaction member;

Figure 31 is according to an embodiment, is applicable to schematically illustrating of the system that carries out the transaction comprise a plurality of payers;

Figure 32 A and 32B show and may be displayed on a plurality of screens of selling on the method, apparatus, show the group transaction method that is used to initiate Figure 31;

Figure 32 C shows and may be displayed on a plurality of screens of selling on the method, apparatus, shows the technology that is used for to group transaction member cost of distribution list item; With

Figure 32 D shows and may be displayed on a plurality of screens of selling on the method, apparatus, shows to be used for collecting the group transaction method of paying and finishing Figure 31 from each group transaction member.

Embodiment

One or more specific embodiment of the present disclosure will be described below.The embodiment of these descriptions only is the example of current disclosed technology.In addition, for the succinct description of these example embodiment is provided, all features of actual realization may not described in this manual.Be to be understood that, in any this actual exploitation that realizes, as in any engineering or design item, must carry out multiple specific to the decision-making that realizes so that realize developer's specific objective, such as meeting about system with about the constraint of business, this can change according to the difference that realizes.In addition, should be appreciated that this development effort may be complicated and time-consuming, benefits from the regular works that those of ordinary skill of the present disclosure designs, processes and makes but remain.

The disclosure relates to the various technology of using hand-portable electronic device to carry out reciprocity financial transaction.According to aspect of the present disclosure, hand-hold electronic equipments can integratedly be used to carry out some functions of equity transaction, comprises storage user payment account and the information representation that deposits account in, obtains and sends payment information, and obtain payment authorization.Can provide one or more input equipments, such as camera or near-field communication (NFC) equipment, so that obtain payment information.For example, can use NFC equipment to initiate to be connected, so that obtain or send the payment information data with the NFC of external unit.In addition, can combining image handle to use and use camera apparatus, so that from the image of the means of payment that provide by the payer, extract the payment information data.Electronic equipment also can be configured to communicate by letter with one or more external servers, so that by selected communication port, such as wide area network (WAN), Local Area Network, personal area network (PAN) or near-field communication passage, obtain payment authorization.Therefore, as described in more detail below, the various functions that provided by the electronic equipment according to embodiment of the present disclosure can be provided for carrying out the technology easily of reciprocity financial transaction, and described reciprocity financial transaction can comprise the group transaction that relates to more than two members.In fact, as following discussed in detail, the individual that carry out between individuality some aspect of the technology that describes below is to particularly useful in individual's transaction.

Forward accompanying drawing now to and at first with reference to figure 1, electronic equipment is illustrated and totally by label 10 expressions, and the one or more transaction application that are used to provide with conclude the business relevant technology and the top ability of briefly mentioning can be provided this electronic equipment.According to the embodiment that illustrates, electronic equipment 10 can be the handheld device that is combined with such as the function of one or more portable equipments such as media player, cell phone, personal data management device.Therefore, according to the function that electronic equipment 10 provides, the user can listen to the music, play games, make a video recording, take pictures and make a phone call when be with equipment 10 to move freely.In addition, electronic equipment 10 can allow the user to be connected to Internet or such as other network such as local or Wide Area Network and by these network services.For example, electronic equipment 10 can allow the user to use the electronic communication of Email, text message, instant message or other form to communicate by letter.Electronic equipment 10 can also use such as bluetooth and communicate by letter with miscellaneous equipment with near-field communication short distance connection protocols such as (NFC).Only as an example, electronic equipment 10 can be a kind of model that can obtain from the Apple in California, USA Cupertino city

In the illustrated embodiment, electronic equipment 10 can be contained in shell or the housing 12.The intraware that shell 12 can be used to the equipment that prevents 10 is subjected to physical damage.In addition, shell 12 provides electromagnetic interference shield can also for equipment 10 and its intraware.As understood by a person skilled in the art, shell 12 can be formed and/or constituted by any suitable material, such as plastics, metal or compound substance, and the electromagnetic radiation that can allow some frequency is by the radio communication circuit in the equipment 10, to help radio communication.

Shell 12 can also provide among Fig. 1 with the visit of the various user's input structures shown in label 14,16,18,20 and 22.By means of these user's input structures, the user can with equipment 10 interfaces, wherein each user's input structure 14,16,18,20 and 22 can be configured to control one or more functions of the equipments when being pressed or encourage.As an example, input structure 14 can comprise make the button that shows main screen (home screen) or menu on equipment when being pressed or encourage.Input structure 16 can comprise for example be used to make equipment 10 such as sleep pattern, awakening mode or power up/button changed between one or more operator schemes such as power-down mode.Input structure 18 can comprise the dibit slide construction, and it can be used for quiet in equipment 10 comprises the embodiment of cellular phone application or makes ring noiseless.In addition, input structure 20 and 22 can comprise and is used to improve and the button of the volume output of reduction equipment 10.Be to be understood that, the input structure 14,16,18,20 and 22 that illustrates only is an example, and according to the specific implementation requirement, electronic equipment 10 can comprise user's input structure of any number that exists with various forms, comprises button, switch, control panel, button, knob, roller etc.

Electronic equipment 10 can also comprise display 24, and display 24 is configured to show the various images that produced by equipment 10.As an example, display 24 can be configured to display photos, film, album cover and/or data, such as text document, electrical form, text message and Email or the like.Display 24 can also be shown to the various System pointers 26 that the user provides feedback, such as power supply status, signal intensity, call state, external unit connection etc.Display 24 can be the display of any kind, such as LCD (LCD), light emitting diode (LED) display, Organic Light Emitting Diode (OLED) display or other display that is fit to.In certain embodiments, equipment 10 can comprise tactile sensor, such as with the touch screen interface (not shown in figure 1) of display 24 adjacent layouts, it can be used as additional user input structure (for example, beyond

structure

14,16,18,20 and 22).By means of this touch screen interface, the user can for example touch some element by finger or the input pen that uses the user, selects to be presented at the element on the display 24.

Also illustrate in the present embodiment, display 24 can be configured to and shows permission user and equipment 10 interactive graphical user interface (" GUI ") 28.GUI 28 can comprise various graph layers, window, screen, template, element or other assembly that can be displayed on whole or the part display 24.For example, GUI 28 can show that this sentences a plurality of graphic elements of the general expression of icon 30.Acquiescently, such as when equipment 10 powers up first, GUI 28 can be configured to the icon 30 shown in showing and sentences " main screen " of label 29 expressions as this.In certain embodiments, can use user's

input structure

14,16,18,20 and 22 in GUI 28, to navigate, thereby and leave main screen 29.For example, one or more user's input structures can comprise rotaring wheel structure, and it can allow the user to select the various icons 30 that show with GUI 28.In addition, can also select icon 30 by touch screen interface.

Should be appreciated that icon 30 can represent after being selected by the user, can be displayed on various layers, window, screen, template, element or other assembly on the part or all of zone of display 24.In addition, the selection to icon 30 can cause or start stratification screen navigation process.For example, selection icon 30 can be so that display 24 shows another screen that comprises one or more the additional icons 30 or other GUI element.In addition, as shown in this embodiment, each graphic element 30 can have the one or more textual indicator 32 that are associated with it, and textual indicator 32 can be displayed on its respective graphical element 30 or the next door, so that the user understands each graphic element 30.For example, icon 34 can be associated with textual indicator " Transactions (transaction) ".Should be appreciated that GUI 28 can comprise the various assemblies of arranging with stratification and/or non-hierarchical structure.

When selecting icon 30, equipment 10 can be configured to startup, open or application that operation is associated with selected icon 30, and shows corresponding screen.For example, elected when choosing friends easy icon 34, equipment 10 can be opened transaction program, and shows transaction menu, and transaction menu is presented at utilizable various tool, feature in the transaction program.Therefore, use, can on display 24, show the one or more corresponding screen that can comprise with the corresponding various user interface elements of respective application for each that on equipment 10, provides.

Electronic equipment 10 can also comprise various I/O (I/O) port, such as the I/

O port

36,38 and 40 that illustrates.These I/O ports can allow the user that equipment 10 is connected to one or more external units or with equipment 10 and one or more external apparatus interfaces.For example, input/output end port 36 can comprise the proprietary connectivity port of the file (such as media file) that is used to transmit and receive data.For example, comprise at equipment 10 under the situation of cellular telephone function that input/output end port 38 can comprise the link slot that is used to receive subscriber's identification module (SIM) card.Input/output end port 40 can provide the audio socket of audio earphone or loudspeaker connection.Should be appreciated that equipment 10 can comprise the input/output end port of any number that is configured to be connected to various external units (only enumerating a little, such as power supply, printer and computing machine or External memory equipment).The understanding of answering, I/O port can comprise any suitable interface type, such as USB (universal serial bus) (USB) port, port connected in series, FireWire port (IEEE-1394) or AC/DC power connector end mouth.

In addition, in certain embodiments, some I/O port can be configured to and provides more than a kind of function.For example, in one embodiment, I/O port 36 can be configured to the file that not only transmits and receive data as mentioned above, but also can be configured to connect devices to charging inlet, such as the power supply adaptor that is designed to provide electric power, or be configured to from the interface cable of another electronic equipment draw power such as desk-top computer from the wall electrical socket.Therefore, depend on the external module that for example is connected to equipment 10 by I/O port 36, I/O port 36 can be configured to the dual-use function with data transmission port and AC/DC power connectivity port.

Electronic equipment 10 can also comprise various audio frequency input and output elements.For example, the audio frequency I/O element that generally illustrates with label 42 can comprise input sink, and this input sink can be provided with one or more microphones.For example, comprise at electronic equipment 10 under the situation of cellular telephone function that input sink can be configured to and receives the audio user input, such as user speech.In addition, audio frequency I/O element 42 can comprise one or more output transmitters.Therefore, comprise at equipment 10 under the situation of media player applications that the output transmitter of audio frequency I/O element 42 can comprise one or more loudspeakers, be used for sending sound signal, for example the playback of music file to the user.

In addition, comprise at electronic equipment 10 under the situation of cellular phone application, as shown in Figure 1, can provide other audio frequency output transmitter 44.Be similar to the output transmitter of audio frequency I/O element 42, output transmitter 44 also can comprise the one or more loudspeakers that are configured to send to the user sound signal, and described sound signal is such as the speech data that receives in telephone call.Therefore, the input sink of audio frequency I/O element 42 and output transmitter can binding operations with output transmitter 44, receive and the effect of radiated element with the audio frequency that plays phone.

In the illustrated embodiment, electronic equipment 10 also comprises near-field communication (NFC) equipment 46.NFC equipment 46 can be positioned at shell 12, and the mark of shell 12 outsides or symbol can identify its position in shell 12.NFC equipment 46 can comprise antenna, this antenna generally can be along shell 12 periphery, and NFC equipment 46 can allow (for example, 424kb/s) to carry out short-range communication, and can meet such as standards such as ISO 18092 or ISO21481 with low relatively data transfer rate.In certain embodiments, NFC equipment 46 can also allow (for example, 560Mbps) to carry out short-range communication, and can meet with high relatively data transfer rate

Agreement.As use herein, should be appreciated that term " NFC equipment " refer to NFC communication facilities 46 and antenna above-mentioned these two.

In certain embodiments, use 46 communications of NFC equipment can occur in about 2 in the scope of 4cm.As understood by a person skilled in the art, can take place use the short-range communication of NFC equipment 46, thereby allow NFC equipment 46 to have the devices communicating of NFC function with other by magnetic field induction, or from having the label acquired information of radio-frequency (RF) identification (RFID) circuit.In addition, magnetic field induction another equipment with NFC function that can also allow NFC equipment 46 will be in passive or sleep pattern " wakes up " or is sensed as and enters aggressive mode.Discuss as following more detailed description, can be (for example in conjunction with above-mentioned transaction application, with graphic element 34 expression) utilize NFC equipment 46, so that payment is provided and deposits obtaining and transmitting of information in, and with the communicating by letter of one or more external servers so that processing and Trading Authorization and validation of payment and deposit account in.

Forward Fig. 2 now to, show the rear view of electronic equipment shown in Figure 1 10.As shown in Figure 2, equipment 10 can comprise camera 48.Can use camera 48 to obtain digital still or moving image, such as digital photos or film.Discuss as following more detailed description, can be in conjunction with utilizing camera 48, so that obtain the image of various types of means of payment (such as check or credit card) with the above-mentioned transaction application shown in the graphic element 34.As is known to persons skilled in the art, can use various image processing techniquess (such as optical character identification (OCR)) and handle the photograph image of the means of payment that obtain, so that extract corresponding to the account-holder's identity that is associated with the specific payment instrument and the information of accounts information.

By can understand the additional detail of illustrative device 10 better with reference to figure 3, Fig. 3 shows according to an embodiment of the present disclosure, the various assemblies of equipment 10 and the block scheme of feature.As shown in Figure 3, equipment 10 can comprise display 24 discussed above, NFC equipment 46 and camera 48, and CPU 50, control circuit 52, memory device 54, a plurality of communication interface 56, Video Controller 76, touch screen interface 78, I/O controller 80 and power supply 80.

The totally operation of opertaing device 10 of CPU (central processing unit) (CPU) 50 and control circuit 52.The required processing power of any other function that these elements can provide executive operating system, application program, GUI 28 and provide on equipment 10 by cooperation.CPU 50 can comprise single processor, or in other embodiments, it can comprise a plurality of processors.As an example, CPU 50 can comprise combination, instruction set processor, graphic process unit, video processor and the related chip group and/or the special microprocessor of " general " microprocessor, general and special microprocessor.Control circuit 52 can comprise the one or more data buss that are used for transmitting data and instruction between the assembly of equipment 10.Control circuit 52 can also comprise storer on the plate that is used for the buffer memory purpose (RAM).In addition, though Fig. 3 is not shown, equipment 10 can comprise the independent random reference-to storage (RAM) of communicating by letter with CPU 50 by means of one or more Memory Controllers, and wherein Memory Controller can be integrated in the control circuit 52.

The information that CPU 50 uses can be stored in the long-term storage device of representing with label 54.Other data that the data that can utilize the required data of the operation of memory device 54 storage CPU 50 of electronic equipment 10, be handled or carried out by CPU 50 and equipment 10 are required are such as using and routine data.As an example, memory device 54 can be configured to the firmware by the CPU50 use of store electrons equipment 10.Described firmware can comprise operating system, and other program or the driver that make it possible to realize various functions, GUI function and/or the functional processor of electronic equipment 10.Memory device 54 can also be stored the assembly of GUI 28, such as graphic element, screen and template.In addition, memory device 54 can storing data files, such as medium (for example, music and video file), view data, application software, preference information (for example, media playback preference, general user's preference), wireless connections information (for example, make equipment 10 can set up the wireless connections information of (connecting) such as phone or Internet), the required any data that other is fit to of subscription information (information that for example, keeps other medium that blog record, TV programme or user subscribe to), phone information (for example telephone number) and equipment 10.

Long-term storage device 54 can be a nonvolatile memory, such as ROM (read-only memory), flash memory or solid-state memory, hard disk drive or any light, magnetic or solid-state computer computer-readable recording medium that other is fit to, with and combination.Therefore, though represent long-term storage device 54 with individual equipment, should be appreciated that long-term storage device 54 can comprise the one or more combinations in conjunction with the memory device of listing above of CPU 50 operations for purpose clearly.

In addition, in certain embodiments, memory device 54 can comprise the Flame Image Process application that is configured to extract text or coded message from view data (such as the image that uses camera apparatus 48 to obtain).As top concise and to the point description, Flame Image Process is used can adopt one or more OCR technology.For example, Flame Image Process is used and be can be used for extracting credit card information from the credit card image that obtains, or extracts bank information from the cheque image that obtains.Below these features and application will be described in more detail.

Equipment 10 can also be included among Fig. 3 with the one or more communication interfaces shown in the label 56, so that be provided for receiving and sending the additional interface channel of information.For example, communication interface 56 can be represented one or more network interface unit (NIC) and/or network controller, and various relevant communication protocol.Communication interface 56 can comprise the communication interface of some types, include but not limited to wireless lan (wlan) interface 58, NFC interface 60, unstructured. supplementary service data (USSD) interface 62, personal area network (PAN) interface 64, Local Area Network interface 66, wide area network (WAN) interface 68 and Short Message Service (SMS) interface 70.

PAN interface 64 can provide with for example

Network, IEEE 802.15.4 (e.g., ZigBee) ability of network or ultra-wide band network (UWB) networking.As will be appreciated, network that can be by PAN interface 64 visit can but be not limited to represent that low-power, low bandwidth or near radio connect.PAN interface 64 can allow electronic equipment 10 to be connected to another local electronic equipment by self-organization (ad-hoc) or equity, such as computing machine or portable media player.Yet if the physical distance between two electronic equipments surpasses the effective range of PAN interface 64, connection may be interrupted.

LAN interface 66 and WLAN interface 58 can provide generally exceed by PAN interface 64 obtainable scopes than the long haul communication passage.LAN interface 66 can represent, for example, with the interface based on the cable network of Ethernet that is connected that is provided to Intranet or internet, and WLAN interface 58 can represent to be used to be connected to the interface of WLAN (such as 802.11x) wireless network.In addition, in many cases, the connection by LAN interface 66 between two electronic equipments can relate to the communication by one or more network routers, switch, gateway or some other intermediate equipment.

Can be provided to the connection of wide area network (WAN) by means of wan interface 68.Wan interface 68 can allow to connect such as the privately owned of enhanced data-rates GSM evolution (EDGE) network or 3G network cellular data networks such as (for example, based on the IMT-2000 standards) and/or safety.When connecting by wan interface 68, electronic equipment 10 can remain connected to the internet, and in certain embodiments, remain connected to one or more additional electronic equipments and no matter the position how to change, this position change may destroy the connection by PAN interface 64, LAN interface 66 or WLAN interface 58.

In certain embodiments, electronic equipment 10 can also comprise the service discovery networking protocol, so that set up and being connected of external unit by network interface.For example, equipment 10 and external unit can use Internet protocol standard (IP) broadcast identification information.In certain embodiments, external unit can additionally be provided by the information (for example, the print service of the network printer) of the available service that can provide about this external unit.Equipment can use identification information to set up the network connection then between equipment, connects or the WLAN connection such as PAN.As an example, can develop by Apple

Equipment identification information is provided.

Can use USSD interface 62 to send low capacity with SMS interface 70 communicates by letter.SMS interface 70 can allow 140 bytes or text message transmission still less.In certain embodiments, can use the SMS of cascade to send bigger message.USSD interface 62 can help the real-time text transmission of messages on the GSM signalling path.As an example, can use USSD interface 62 inquiring positions and address, film to show time, stock quotation etc.

Can also the short-range communication ability be provided for equipment 10 by means of NFC interface 60.NFC interface 60 can be operated in conjunction with above-mentioned NFC equipment 46, so that the short-range communication between equipment 10 and the external unit is provided.NFC interface 60 can be used as independent assembly and exists, and can be integrated in another chipset, maybe can be integrated in the NFC equipment 46 self, for example, as the part of system on chip (SoC) circuit.NFC interface 60 can comprise the one or more agreements that are used for having with another devices communicating of NFC function, such as near field communication interface and agreement (NFCIP-1).These agreements can be used to adjust communication speed, and specify one of the equipment connected as control and/or start the starting outfit that NFC connects.In certain embodiments, the information that can use NFC interface 60 to receive such as service set identifier (SSID), passage and/or encryption key, may need these information to allow by another communication interface, such as WLAN interface 58, PAN interface 64, LAN interface 66 or wan interface 68, connect.

In certain embodiments, as following discussed in detail, NFC interface 60 can make electronic equipment 10 to communicate by letter with ad-hoc mode with another equipment with NFC function under the situation of carrying out or initiate the financial transaction processing, so that swap data, such as paying and deposit in information.NFC interface 60 also can be configured to and switch NFC equipment 46 between " main frame " or aggressive mode and Passive Mode or " NFC wakes up " pattern, in " main frame " or aggressive mode, NFC equipment 46 produces the RF field of oneself, and in Passive Mode or " NFC wakes up " pattern, after detecting the RF field that is produced by another equipment, NFC equipment 46 can be responded to and enters state of activation so that carry out the transmission or the reception of data.Should be appreciated that NFC equipment 46 and interface 60 operates the battery life that can prolong equipment 10 in Passive Mode.In additional embodiment, can control NFC equipment 46 based on this user or manufacturer's preference of sentencing label 72 expression, these preferences can be that manufacturer or supplier are pre-configured, or the user disposes subsequently based on user preference.No matter be pre-configured or configuration afterwards, these preferences can be stored in the memory device 54.

Discuss as following more detailed description, be configured to provide among the embodiment of the equity transaction of initiating between the external unit---comprising financial transaction---at electronic equipment 10, preference 72 can comprise preferred or the acquiescence payment account or the source of user's appointment, and the preferred or acquiescence of user's appointment deposits account in.As using herein, term " payment account (payment account) " etc. is understood that to refer to the account of therefrom paying or paying the bill.In addition, term " deposits account (crediting account) in " etc. and is understood that to refer to payment be deposited in or pay to account wherein.Therefore, the acquiescence payment account can be the account for providing payment to select automatically when initiating transaction on equipment 10.Similarly, to deposit account in can be for paying or depositing the account that the payment that receives is selected automatically in to acquiescence.Preference 72 can also comprise preferred e-mail address, and the user preferably writes down or acknowledge message with the electronic receipt that this e-mail address receives about the payment being undertaken by operating electronic equipment 10 or receives.

In certain embodiments, preference 72 can also be determined above-mentioned communication interface 56 attribute of (for example, comprising 58,60,62,64,66,68 and 70).For example, preference 72 can comprise the tabulation of the network that equipment 10 can connect, and order or priority between can supervisory communications interface 56.As an example, if equipment 10 can be configured to communication and receives payment information or relevant to external unit transmission payment information from external unit, then by 60 communications of NFC interface.Similarly, if equipment 10 can be configured to communication and for example verifies that to outside and/or long-range financial server the payment information that receives is relevant, then by WLAN interface 58 or LAN interface 66 communications.Further, equipment 10 can be configured to initiates or the transaction of participation group, wherein the combination realization of communication interface 56 and communicating by letter of a plurality of external units by providing.For example, in one embodiment, equipment 10 can receive payment information by the one or more equipment of NFC interface 60 from a plurality of external units, and the statement of expense or the bill upgraded to each external unit transmission by the self-organizing network of setting up through one of WLAN interface 58, PAN interface 64 or LAN interface 66 simultaneously.

Should also be understood that the communication preference that is associated with preference 72 can also depend on each

respective communication interface

58,60,62,64,66,68 and 70 security feature that can use 74.Security feature 74 can be stored in the memory device 54, and can comprise the one or more cipher protocols that are used for setting up secure communication between equipment 10 and external unit, such as Secure Sockets Layer(SSL) agreement or Transport Layer Security (TLS) agreement.Security feature 74 can also comprise that the one or more encryptions that are used to encrypt the information that slave unit 10 sends use.When transmission for example generally may comprise the information (such as payment and/or deposit accounts information in) of the sensitive natur of credit card and bank account information, these features may be particularly useful.

Security feature 74 (for example can also comprise secure access restriction storage area, in memory device 54), so that the visit of the data that restriction may need some aspect of security feature 74, these data such as encryption key, pass code and password, digital certificate etc.In addition, this secure storage section is applicable to the storage sensitive data, such as the information that---comprises credit card and bank account---about user's finance account.This secure storage section can also be stored the information about the account of non-financial nature.As use herein, term " noncash account ", " non-finance account " etc. are understood that to refer to comprise the account of non-monetary assets, yet it can be used as and at least one side---such as, the mechanism that holds or keep the noncash account---the media of concluding the business.An example is provided, and non-finance or noncash account can be that account is subscribed to or bought to user's online music/medium, such as, can develop and run by Apple Online Digital Media shop obtains

Account.

Account can comprise some " integration (credits) ", the user can with they

Exchange or the transaction media file in online Digital Media shop, such as music file, movie file, talking book, blog etc.Therefore, these noncash accounts can be stored in the secure storage section that is provided by security feature 74 with finance account (for example bank account and credit card).In certain embodiments, secure storage section can comprise the microcontroller that embeds in the electronic equipment 10.In addition; in certain embodiments; except storing above-mentioned sensitive data, secure storage section can also be subjected to its oneself corresponding password or mandate " PIN (Personal Identification Number) " protection (PIN), for example so that prevent unauthorized access to storage information within it.

According to other embodiment, security feature 74 can also allow Subscriber Locked or forbid all (for example, locking power up) or some function only on the equipment 10 temporarily, such as the function that can be provided by above-mentioned transaction application (for example, with icon 34 expressions).As an example, when locked, above the concise and to the point reciprocity transaction feature of discussing can be under an embargo or can not be accessed by the user, up to PIN that user's appointment is provided or password.In addition, security feature 74 can comprise additionally that requirement was providing PIN before external unit transmission or transmission payment account information.Be appreciated that security feature discussed herein 74 can help prevent unwarranted people to use equipment 10 to pay.

As discussed above, equipment 10 can also comprise Video Controller 76, and it operationally is couple to display 24, and is configured to receive view data and sends pixel value corresponding voltage signal with this view data to display 24.The view data that shows can be by the information of communication interface 56 receptions and the expression that is included in the information in the memory device 54.As understood by a person skilled in the art, pixel value can be the numerical value distribution corresponding to each pixel intensity.Therefore, display 24 can receive voltage signal as input from Video Controller 76, and produces the image corresponding to this voltage signal.For example, the screen of the GUI 28 that describes with reference to figure 1 above the image that signal produced that is provided by Video Controller 76 can be represented.

As top other explanation, the user of operating equipment 10 can select to represent can be by the application of GUI 28 demonstrations or the various graphic elements of information.As shown in Figure 3, touch screen interface 78 can be positioned at before or after the display 24, and can provide the ability of selecting graphic element (such as the icon 30 of above-mentioned GUI 28 demonstrations among Fig. 1) to the user.Touch screen interface 78 can be configured to reception and touches (for example, touch display 24) input, and send " touch event " information to CPU 50 based on the physics of user or user control or the object (for example, input pen) handled.CPU 50 can handle detected touch event information then, and carries out corresponding actions.For example, once more briefly with reference to figure 1, CPU 50 can be treated to " touch " to icon 34 and carry out or initiate the instruction that respective transaction is used.Touch screen interface 78 can adopt the touch screen technology of any suitable type, such as resistive, capacitive character, infrared ray, surface acoustic wave, electromagnetism or near field imaging.In addition, touch screen interface 78 can adopt single-point or multipoint sensing.

I/O controller 80 shown in Figure 3 can provide allow the user by be arranged on various input structures on the equipment 10 (such as, with the input structures of label among Fig. 1 14,16,18,20 and 22 expressions) infrastructure of communicating by letter with CPU 50.Can or be independent of touch screen interface 78 in conjunction with touch screen interface 78 and use user's

input structure

14,16,18,20 and 22, so that provide input information to equipment 10.

The power supply 82 of equipment 10 can comprise the ability of powering to non-equipment 10 portable and portable setting.For example, in portable the setting, for the ease of transportation and mobile easily, equipment 10 can comprise the integrated power supply 82 that is used for to equipment 10 power supplies.Power supply 82 can comprise one or more batteries, such as, lithium ion battery, this battery can be the user can take out maybe can be fixed to shell 12.In certain embodiments, can use proprietary connection I/O port 36 equipment 10 to be connected to the power supply that is used to charge the battery.In other embodiments, one or more batteries can not be integrated, and can comprise one or more rechargeables or replaceable battery.In addition, in non-portable the setting, power supply 82 can comprise AC power supplies, such as the AC power supplies that provides with electrical socket.

As discussed above, equipment 10 can comprise transaction application (for example, with icon 34 expressions), and this transaction application is provided the initiation transaction for equipment 10 and receives the ability of transaction (for example, payment and integration) from external unit.With reference now to Fig. 4,, shows usually the system that carries out the equity transaction between by first equipment 10 of " payee " operation and second equipment 92 of being used for by " payer " operation with label 90 indications.Second equipment 92 can be and the identical substantially portable equipment of first equipment 10, or in other embodiments, can be non-portable equipment, such as desk-top computer or payment terminal.As use herein, term " payee " is understood that to refer to receive a side of payment in transaction, and the opposing party that term " payer " is paid in being understood that to refer to conclude the business.Therefore, term " payee's equipment " and " payer's equipment " are understood that to refer to respectively by payee and payer's apparatus operating (for example, equipment 10 and 92).

As shown in Figure 4, equipment 10 is as payee's equipment of transaction, and second equipment 92 is as payer's equipment.At first, payee's equipment 10 can this sentences the Payment Request shown in the label 94 to 92 transmission of payer's equipment.Payment request information 94 can comprise the information about the payout of being asked by payee's equipment 10.Payment request information 94 can also comprise the information of pointing out payee's identity, and this can comprise text data corresponding to payee's name, belongs to and/or identify payee's the e-mail address or the identification information that is fit to of any other type.In addition, Payment Request 94 can also comprise the information of pointing out the Payment Request purpose.For example, Payment Request 94 can be to payment balance due from payee's the debt specific co-pending or the response of clearing.

In one embodiment, payee's equipment 10 and payer's equipment 92 can be the equipment with NFC ability, and as mentioned above, each in them has NFC equipment 46 and NFC interface 60.At first, payee's equipment 10 and payer's equipment 92 can be in the passive operation pattern.Just before payer's equipment 92 transmission Payment Request 94, the NFC equipment 46 of payee's equipment 10 can be powered, thereby makes payee's equipment 10 change aggressive mode into, and in aggressive mode, the NFC equipment 46 of payee's equipment 10 produces the RF field.Therefore, when payee's equipment 10 and payer's equipment 92 be placed on enough approaching adjacent domain or distance interior so that when setting up NFC and being connected (for example, common 2-4cm), the RF field that payee's equipment 10 produces can be so that the NFC equipment 46 of payer's equipment 92 be converted to the active operation pattern, thereby as discussed above, between two equipment, set up NFC and connect.Therefore, connect by means of the NFC that sets up, payment request information 94 can be transferred to payer's equipment 92 and be received.

After payee's equipment 10 receives payment request information 94, payer's equipment 92 can be gone up at display (such as above-mentioned display 24) and show the payment request information 94 that receives.Therefore, the payer can check the correctness of payment request information 94, and selects to be used for providing to the payer method of payment of the payment of asking.Method of payment can be for example, to belong to payer's credit card or bank account.As discussed above, can be stored on payer's equipment 92 about the accounts information of selected payment account, in the secure storage section such as above-mentioned memory device 54 in Fig. 3.Therefore, about the information of selected method of payment (for example, credit card or bank account) can be stored in the secure storage section and by retrieval from secure storage section, so that after the payer has selected particular account, be transferred to payee's equipment 10.

Therefore, in case selected desirable payment account, this payment account information of sentencing label 96 expressions can be transferred to payee's equipment 10.For example, be similar to the transmission of payment request information 94, payment account information 96 can connect by means of the NFC that formerly sets up by each equipment corresponding N FC interface 60 similarly, if or former NFC connection (is for example interrupted, distance between the equipment surpasses the 2-4cm scope), connect session by initiating new independent NFC, be transferred to payee's equipment 10 from payer's equipment 92.In certain embodiments, payer's equipment 92 can also comprise security feature 74 discussed above, and can only allow the transmission of payment information 96 under the situation of the authentication that password, PIN or some other suitable form at first are provided.Before continuing, should be noted that the exchange based on NFC of payment information between payee's equipment 10 and payer's equipment 92 provides as just example.In fact, in other embodiments, can utilize the suitable communication interface of any kind, the communication interface of describing such as top Communication Interface Module 56 with reference to figure 3.

After payer's equipment 92 receives payment information 96, the payee can watch payment information 96 on the display 24 of payee's equipment 10.After this, the payee can select the desirable account that deposits in, deposits account in and can be stored on payee's equipment 10, will be deposited in or pay with the payment of payment account information 96 expression to deposit account in to this.In case on payee's equipment 10, selected to deposit in account, payee's equipment 10 can be with totally being called as " Transaction Information " and being transferred to one or more financial servers 100 with the payout of being asked, the payment account information 96 of label 98 expressions and the account of selecting that deposits in, so that carry out the follow-up mandate and the processing of the accounts information checking and the payment of asking.Should be appreciated that and to finish and the communicating by letter of financial server 100 by one or more in the above-mentioned communication interface.For example, if payee's equipment 10 is the portable equipments with WLAN or WAN ability, payee's equipment 10 can be communicated by letter with financial server 100 by wireless connections.If equipment 10 is non-portable equipments, then can be provided for being connected with the LAN of financial server 100 communications.No matter what the connection type of setting up between equipment 10 and financial server 100 is, be to be understood that, one or more data encryption technologys discussed according to the security feature 74 of Fig. 3 above can also utilizing and security protocol are (for example, SSL or TSL agreement) so that transaction data 98 is to the safe transmission of financial server 100.

As understood by a person skilled in the art, can depend on the type of the payment account that the payer selects and/or the type that deposits account in that the payee selects to its one or more type types of transmitting the financial server 100 of transaction data 98.For example, if the payment account that the payer selects is a credit card, and if on payee's equipment 10 account that deposits in of appointment be bank account, then financial server 100 can comprise bank server and credit card validation server.As an example, transaction data 98 can at first be transferred to the bank server that is associated with banking institution, that preserves appointment at the bank server place deposits account in being used to verifying whether the account that deposits in of appointment is active account, and whether can receive Credit Card Payments.The special service that the reception that should be appreciated that the Credit Card Payments that carries out to bank account may constitute may be needed to register, order or payee pay additional expense.Therefore, if deposit the payment that the uncommitted reception of account uses credit card to carry out in, then can notify the payee to select the different accounts that deposits in.

If the account of determine selecting that deposits in is authorized to receive payment from credit card, then transaction data 98 can be transferred to the credit card validation server by the further form with authorization requests.The credit card validation server can with the credit card company of the selected credit card that keeps the payer (such as American

Or

) be associated.The credit card validation server can be handled transaction data 98, so as to determine whether can the authority to pay request in designation number purpose drawing to payer's credit card.As an example, the credit card validation server can verify at first that whether the credit card information that provides is corresponding to belonging to effective credit card of specifying the payer in transaction data 98.The credit card validation server can also determine whether the limited credit that is associated with credit card is enough to satisfy the payout of being asked.If the credit card validation server determines that the credit card of appointment is effective, and be authorized to carry out the payment of being asked, then the credit card validation server can be authorized by from payer's credit card expenditure and pay to the selected account that deposits in of payee.The credit card validation server can be transferred to bank server with authorization messages then, point out that the payment of being asked has been authorized to, and the payment of being asked is from payer's credit card expenditure, and paid go into or deposit the payee in deposit account (for example, bank account) in.

Being intended to alternately between credit card validation server discussed above and the bank server only illustrates may situation about handling a kind of of transaction who is initiated by payee's equipment 10 or payer's equipment 92.Therefore it should be understood that the situation that can have various other types, wherein utilize the equity transaction of the financial server processing of one or more types according to embodiment of the present disclosure.For example, replace the credit card validation server,, can handle transaction in different corresponding banking institution by a plurality of bank servers depositing under the situation that account and payment account both are the bank accounts held of appointment.It should also be understood that; communication between the above-mentioned various financial server 100 can provide by any suitable communication interface available on payee's equipment 10 and the payer's equipment 92 and (only exemplify several; described communication interface such as wan interface 68, LAN interface 66 or WLAN interface 58); and can comprise one or more security protocols; such as SSL or TSL, and be used to protect the safety of Transaction Information 98 and one or more encryption technologies of integrality.

Shown in Fig. 4 is further,, finishes message 102 and can be transferred to payee's equipment 10 in case it is processed to conclude the business.As mentioned above, can finish receiving message 102, or in certain embodiments, can finish message 102 by mail or by means of SMS text message (for example, by SMS interface 70) transmission by WAN, WLAN, LAN interface.Finish message 102 and can point out whether the transaction of being asked is successfully handled.If Transaction Success is then finished message 102 and can be comprised that the payment 94 of being asked to payee's indication has been deposited in the affirmation that deposits account in of appointment.Replacedly, can indicate transaction success and/or suggestion payee seek another kind of method of payment if message 102 for the not success (for example, the credit card that provides does not have enough funds or credit line) of one or more reasons, then is provided in transaction.

In one embodiment, payee's equipment 10 can store a plurality of accounts that deposit on it, and the payee can be such as specifying about depositing the priority orders of account in by user preference 72.That for example, can select to have limit priority automatically deposits account in as the selected account that deposits in.Therefore, if conclude the business unsuccessful reason be since current selection (for example deposit account in, the account may not be configured to receive Credit Card Payments), then transaction application can be configured to use the account that deposits in inferior high priority setting to initiate the subsequent transaction request automatically to financial server 100.In addition, if transaction is successfully handled, financial server 100 or payee's equipment 10 can also be with the form of electronic receipt (this sentence label 104 expression) to payer's equipment 92 acknowledge message.The affirmation that electronic receipt 104 can be used as that the payment of being asked has been satisfied by the payer and received by the payee.

Though one or more financial servers 100 (for example refer to a plurality of servers in the example that provides in the above, bank server and credit card validation server), but in some cases, one or more financial servers 100 can comprise single financial server, such as the payment account of appointment with deposit the situation that account is held by identical financial institution (for example, identical bank) in.In this case, can carry out above-mentioned transaction authorisation processes by the individual server that is associated with this common financial institution.Therefore, be to be understood that phrase " individual server " can refer to diverse location more than a computing equipment, but each computing equipment is had, operates by identical financial institution or is associated with identical financial institution.In addition, one or more financial servers 100 financial server of assets that need not be confined to be configured to Manage Currency.For example, relate to non-cash assets in transaction---all as discussed above being stored in Integration in the account---situation under, financial server 100 can comprise by

The server of online service management.In fact, also be considered within the scope of this disclosure about these mutual additional embodiment of various financial servers 100, and will be described in greater detail below.

Continue the disclosure, Fig. 5 A-10B shows the whole bag of tricks and the technology of configuration electronic equipment 10 for use in above-mentioned transaction application 34 by a plurality of screen pictures.The screen picture that illustrates can be produced and is displayed on the display 24 by GUI 28.For example, when such as by

input structure

14,16,18,20 and 22 and/or during the user interactions of touch screen interface 78 and equipment 10, can produce these screen pictures.Particularly, these illustrate according to embodiment of the present disclosure, be used at equipment 10 stored payment accounts and deposit accounts information in, and above being used for disposing according to the one or more technology and the method for described user preference 72 of Fig. 3 and security feature 74.

As discussed above, according to input and the selection that the user carries out, GUI 28 can show the various screens that comprise icon (for example, 30) and graphic element.These elements can be represented can touch screen interface 78 physics on display 24 touches figure and virtual element or " button of selecting its relevant position " by for example using by the user.Therefore it should be understood that the button that the term " button " that uses in the following description of screen picture below, " virtual push button ", " graphic button ", " graphic element " etc. mean that finger is represented with the graphic element that is provided on the display 24 or the diagrammatic representation of icon.In addition, it is also understood that and to use various graphic elements and vision scheme to be implemented in the subsequent drawings function that proposes and describe.Therefore, the disclosure is not intended to be limited to the accurate user interface convention that provides herein.But embodiment of the present disclosure can comprise various user-interface styles.

At first with reference to figure 5A and 5B, these figure show jointly when the information of expression credit card is imported and be stored in the equipment 10 by the user, can be displayed on the screen picture on the equipment 10.Then, the credit card information of storage can combined above-mentioned transaction application be used as payment account.Shown in Fig. 5 A, the user can start transaction application by the icon 34 on the main screen 29 of selecting to be presented at equipment 10.After selecting icon 34, can be such as starting transaction application by CPU 50, and the user can enter screen 110, and screen 110 can be represented " family " or " master " screen of transaction application.

Screen 110 can comprise a plurality of graphic elements with label 112,114 and 116 expressions.Each graphic element 112,114 and 116 can be shown with the form of button or button, and can comprise corresponding function or with the concise and to the point description of its associated action.For example, graphic button 112 can represent that the user can watch and revise the function of the accounts information on the equipment of being stored in 10 with it.Graphic button 114 can represent that the user can initiate the function of equity transaction (such as the top transaction of describing) with it in Fig. 4.In addition, graphic button 116 can represent that the user can watch and revise the function of various user preferences (such as top user preference 72 with reference to figure 3 descriptions) with it.The function that is provided by graphic button 116 can also allow user's modification or visit one or more security feature 74 discussed above.

This discussion at first begins with the description of the function that provided by graphic button 112.Yet, should remember below will discuss the additional function that provides by

graphic button

114 and 116 in more detail.In addition, shown in Fig. 5 A, screen 110 can comprise graphic button 118.Graphic button 118 can represent to make the user to return the action of previous screen.For example, if the user selects to be presented at the button 118 on the screen 110 of Fig. 5 A, the user will return main screen 29.

For with the input of new credit card and be stored in the equipment 10, the user can select graphic button 112 so that access screen 120, and screen 120 shows the current tabulation that is stored in all accounts on the equipment 10.As with shown in the screen 120, can organize and show the account of current storage according to certain kind.For example, accounts information screen 120 can show the 3rd tabulation 126 of noncash account of first tabulation 122 of the credit card of current storage, second tabulation 124 of the bank account of current storage, current storage and the additional list 128 of other account, other account can comprise be associated with specific supplier or retailer buy on credit card or member card.In addition, accounts information screen 120 can comprise the additional patterns element of expression to the function of equipment 10 interpolation adjunct accounts or the existing account of slave unit 10 deletions, respectively with

graphic button

130 and 132 expressions.Therefore, in order to add New Account to equipment 10, the user can select graphic button 130.In addition, if the user wishes to delete the account that is presented at the former storage on one or more tabulations 122,124,126 or 128, the user can do like this by selecting graphic button 132.

Shown in Fig. 5 A, after having selected graphic button 130, the user can enter screen 134.Screen 134 can comprise a plurality of graphic buttons 136,138,140,142 and 144, and each in them can be represented the kind of all kinds account on the equipment that can be stored in 10.As an example, the user can start the processing of importing and storing new credit card by selecting graphic button 136.This selection can be so that the user enters screen 146.Yet should be appreciated that the user can determine to select any other graphic button 138,140,142 or 144 so that enter different Account Types, and will make the user enter corresponding suitably screen the selection of any of these graphic button.

With reference now to screen 146,, can show that with label 148,150 the some pull-downs shown in 152 and 154 are selected field.For example, drop-down selection field 148 can provide the tabulation corresponding to the credit card brand of various credit card providers, and the user can wish that the concrete credits card in the equipment of being stored in 10 make suitable selection thereon based on the user.In addition, drop-

down field

150 and 152 can provide corresponding to the Month And Year of the due date that is associated with new credit card to the user respectively and select.Should be appreciated that when drop-down field is encouraged by the user or selects drop-down field can show can be selected so that fill the tabulation of the available options of corresponding drop-down field.For example, with reference to drop-down field 154, it can represent to select with the corresponding kind of the credit card type that just is being transfused to, and the user can select a kind from the available types tabulation of describing various credit card types prevailingly.As an example, this credit card can generally be used for gasoline purchase, air ticket or ticket to be bought, and maybe can be the universal card that is used for multiple purchase.

According to an aspect of the present disclosure, one or more business methods can be provided, wherein can reach an agreement with one or more credit card providers, wherein the manufacturer of equipment 10 can pre-configured equipment 10 so that the particular credit card brand can be selected as acquiescence by initial selected.For example, shown in Fig. 5 A, drop-down field 148 can show acquiescence credit card brand (for example, the American that is associated with particular credit card provider at first

).Therefore, if the user continues the processing shown in Fig. 5 A and the 5B and finishes the step that the Card Type will acquiescence selected adds equipment 10 to, the manufacturer of equipment 10 and credit card provider can be reached an agreement, wherein the credit card of at every turn being kept by this credit card provider is stored on the equipment of being sold and/or being made by this manufacturer, and the manufacturer of equipment 10 just receives a commission or expense.In addition, the manufacturer of equipment 10 can also reach an agreement with credit card provider, thereby if use equipment 10 is carried out credit card trade, the manufacturer of equipment 10 just can receive certain number percent of the credit card trade expense of paying credit card provider.

Continue now the description of Fig. 5 A, screen 146 can also comprise that this sentences the some the text fields shown in label 156 and 158.Field 156 can allow the user to import number of the account corresponding to new credit card.In addition, can provide form fields 158, so that allow card validation value (CVV) sign indicating number of user's input corresponding to the credit card of selecting.Should be appreciated that the CVV sign indicating number generally is printed on the credit card front or the back side, and can be coded on the magnetic stripe on the credit card, and can be used as additional security feature in the credit card trade, thereby the enhancing protection at credit card fraud is provided.In alternative embodiment, when the input New Account, can not need the CVV sign indicating number, can when the credit card of each new interpolation of use in transaction, require the CVV sign indicating number but replace by equipment 10.

In order to import data in field 156 and 158, screen 146 can comprise graph text input keyboard interface 160.Text entry keys dish interface 160 can comprise, for example, represents a plurality of graphic buttons of alphabet letters, and standard " space bar " on the expression keyboard and the button of " backspace key " function.Therefore, the user can use input text data in any the text field on the display 24 that can be displayed on equipment 10 of text keyboard interface 160.Text keyboard interface 160 can also comprise graphic button 162, and graphic button 162 can allow the user to switch between text entry keys dish 160 and numeric keypad 164.Shown in Fig. 5 A, numeric keypad 164 can comprise a plurality of buttons of representing digital 0-9, and some punctuation marks commonly used.Numeric keypad 164 can also comprise graphic button 166, and the user can select returned text keyboard 160 by graphic button 166.As an example, the user can switch to numeric keypad 164 from text keyboard 160, so that import credit card account and CVV sign indicating number in form fields 156 and 158.In addition, the returned text keyboard 160 if desired, and the user can do like this by selecting the graphic button 166 on the numeric keypad 164.In a further embodiment, numeral and text input feature vector can be integrated in the single graphic keyboard interface.

In case the user provides drop-down field 148,150,152 and 154 and all required credit card informations of the text field 156,158, the user can select graphic button 168 so that the beginning credit card validation is handled.This checking is handled and be can be used for generally verifying that execution is the credit card possessor or is authorized to the user the user that credit card is input to the step in the equipment 10.For example, during checking was handled, the credit card information of input can be transferred to corresponding credit card provider in screen 146.As discussed above, the transmission of credit card information can be finished by one or more above-mentioned communication interfaces, and can be subjected to one or more above-mentioned encryptions and safety method protection.

Forward Fig. 5 B now to, in case credit card provider the credit card information that provides by equipment 10 of empirical tests be effectively, credit card provider just can be by transmitting the identity that one or more identifying codes are confirmed the user to equipment 10.For example, with reference to screen 170, can display notification message 172, notify the user for example to provide the identifying code that is used to activate the credit card that will on equipment 10, use by Email.Should be appreciated that e-mail address that identifying code is sent to can be to be associated with credit card and to be comprised in e-mail address in the record that is kept by credit card provider.Therefore, this guarantees only have the user of being authorized to receive identifying code.Therefore, credit card validation screen 170 can comprise graphic button 144, and graphic button 144 can be carried out e-mail program, and the user can obtain email message so that obtain identifying code by e-mail program.

In addition, by selecting graphic button 178, the user can return screen 120, and screen 120 can be updated so that comprise user's new credit card of importing by screen 146 like that 180 as discussed above.This moment, screen 120 can point out that the credit card 180 of new input may not be used for slave unit 10 pays in processing, authorizes or activates and move up to having carried out, such as above-mentioned identifying code is provided.In case the user has obtained the above-mentioned identifying code of discussing with reference to screen 170 that sends with Email, and the user can enter screen 184 so that the input validation sign indicating number, and therefore activates credit card 180 so that use on equipment 10.For example, shown in Fig. 5 B, the user can select the position of new credit card 180 on screen 120 so that enter screen 184.

Shown in screen 184, can be provided for importing the text field 186 of above-mentioned E-mail verifying sign indicating number to the user.Can use text entry keys dish 160 and/or numeric keypad 164 input validation sign indicating numbers, can be by selecting graphic button 162 access number word keyboards 164.In case imported the E-mail verifying sign indicating number, the user can select graphic button 188, thereby finishes the checking processing and make the user return screen 120.If as described above, the authentication code matches that identifying code that the user provides in the text field 186 and credit card provider provide, then as shown in the final updated screen 120 of Fig. 5 B, the credit card 180 of new input is authorized, and is ready to use in conjunction with transaction application 34.

Under the situation of not receiving the E-mail verifying sign indicating number for some reason, the user can alternatively provide the phone identifying code in the text field 190, so that activate credit card 180.For example, refer again to screen 170, phone confirmation sign indicating number 176 also is provided in notification message 172.In one embodiment, in order to obtain the phone identifying code, the user must be such as providing phone confirmation sign indicating number 176 by means of call to credit card provider, so that receive the corresponding telephone identifying code, this phone identifying code may be different from the E-mail verifying sign indicating number, if but correctly imported, then allow transaction application 34 to use the credit card 180 of new input.Therefore, as authorizing the new credit card of importing 180 to be used for the replacement method of transaction application 34, the user can import the phone identifying code in the text field 190, and selects graphic button 192.

Proceed to Fig. 6 A and 6B now, these figure show the method that is used for importing and storing bank account on electronic equipment 10 with screen picture.Should be appreciated that Fig. 6 A can be similar to some aspects of handling shown in the 6B---if not identical---above the step discussed with reference to figure 5A and 5B.Begin with Fig. 6 A, the user can select the graphic button 112 on the screen 110 so that access screen 120 is as discussed above, and screen 120 can show the current tabulation that is stored in all accounts on the equipment.As shown in Figure 6A, the credit card 180 imported in Fig. 5 A and 5B of user is included in the tabulation 122 of credit card of storage.

Then, the user can select the graphic button 130 on the screen 120 so that enter screen 134.As discussed above, screen 134 can display graphics button 136,138,140,142 and 144, and each in them can be represented the kind of all kinds account on the equipment that can be stored in 10.Therefore in order to import and store new bank account, the user can select graphic button 140 so that enter screen 198.As shown in Figure 6A, screen 198 can be similar to screen 146 discussed above, and a plurality of drop-down fields (for example, 200,202) and the text field (for example, 204,206) wherein can be provided.By means of these fields, the user can import required bank account information on equipment 10.For example, drop-down field 200 can allow the user to select the identity of the banking provider that is associated with new bank account.Drop-down field 202 also can provide the selection to the type of the bank account of storing, and it can be for example checking account, savings account, money market account etc.In addition, the text field 204 and 206 can allow the user to import the transit number (routing number) of banking provider and the number of the account that is associated with this bank account respectively.Can provide text keyboard 160 on the screen 198 so that in field 204 and 206, import data.In addition, as discussed above, when needing input digital data (such as above-mentioned transit number and Bank Account Number), can be by selecting graphic button 162 access number word keyboards 164.

In case required bank account information is transfused to drop-

down field

200 and 202 and the

text field

204 and 206, the user can select graphic button 208, so that the bank account that starts the authentication vs. authorization input is to be used for the processing of the transaction application 34 on the equipment 10.Be appreciated that the credit card validation that some aspect of handling about the checking of the bank account of input is described with Fig. 5 B above can being similar to handles.For example, during checking was handled, the bank account information of input can be transferred to the banking provider of selecting in drop-down field 200 in screen 198.As discussed above, the transmission of bank account information can be finished by one or more above-mentioned communication interfaces (for example,

interface

58,60,62,64,66,68 and 70), and is subjected to one or more above-mentioned encryptions and safety method protection.

Proceed to Fig. 6 B now, in case banking provider empirical tests represent effective bank account by the bank account information of equipment 10 transmission, banking provider can use the authentication techniques of any suitable type to confirm user's identity.For example, in the illustrated embodiment, banking provider can start the one or more checking deposits to this bank account.As understood by a person skilled in the art, the checking deposit generally is relatively little number (for example, being less than 1 dollar), and can be used to confirm account holder's identity.For example, before the bank account that can authorize new input was used for transaction application 34, banking provider can require the account holder that the exact value of this checking deposit number is provided.As an example, with reference now to the screen 210 of Fig. 6 B, in case banking provider empirical tests the validity of bank account of input in screen 198, can display notification message 212.In the illustrated embodiment, notification message 212 can be notified the user, and two checking deposits have been deposited in the bank account of new input, yet should be appreciated that the checking deposit of any stroke count can be used to confirm to handle.

The user can select graphic button 214 so that return screen 120, wherein as with shown in the label 216, can upgrade tabulation 124 so that comprise the bank account of new input.Be similar to the screen 120 shown in Fig. 5 B, the screen 120 of Fig. 6 B can point out that new bank account 216 may not be used for use equipment 10 pays, up to confirmed checking deposit number discussed above to banking provider till.Therefore, can require the user, determine the number of checking deposit such as for example depositing the banking explanation of sending after the checking number in by watching.

After determining checking deposit number, the user can be by selecting the position access screen 218 of new bank account 216 on screen 120.Shown in Fig. 6 B, screen 218 can videotex field 220 and 222, and the user can use the numbers of the text field 220 and two checking deposits of 222 inputs.In addition, screen 218 can comprise numeric keypad 164, and the user can use numeric keypad 164 input validation deposit number in field 220 and 222.In case imported checking deposit number, the user can be by selecting graphic button 224 and returning screen 120 and finish the affirmation processing.Shown in Fig. 6 B, if deposit number that the user imports in screen 218 and the checking number coupling that deposits in by banking provider, then as shown in the final updated screen 120 of Fig. 6 B, the bank account 216 of new input is authorized, and is ready to use in conjunction with transaction application 34.Discuss as following more detailed description, serving as payee's equipment according to equipment 10 still is payer's equipment, is stored in bank account on the equipment 10 (or equipment 92) and can be used as and deposits account and payment account in.

Continue now Fig. 7-10B, as discussed above, equipment 10 can comprise one or more preference settings, such as among Fig. 3 with the preference setting of label 72 expressions, they can be that manufacturer is pre-configured or disposed afterwards by the user.As an example, preference is provided with 72 and can comprises acquiescence payment account, acquiescence are deposited in account and the additional selection that is provided with, this is additional be provided with such as for security purpose to authorizing PIN number selection and storage.Therefore, the screen picture shown in Fig. 7-10B is intended to illustrate as an example the user and can be used for operating equipment 10 so that dispose the technology that aforementioned preference is provided with.

At first with reference to figure 7, can be to the selection of acquiescence payment account at first from screen 110.In screen 110, the user can select graphic button 116 so that access screen 230, the current configuration of the one or more user preferences of screen 230 on can display device 10.In the illustrated embodiment, the user preference setting that is presented on the screen 230 can comprise that the acquiescence payment account 232 of current selection and the acquiescence of current selection deposit account 234 in.Screen 230 can also comprise graphic button 236 and 238, and they can be presented at acquiescence account 232 and 234 next doors respectively, and if selected then can allow user's modification or change the setting of acquiescence account.

Discuss as following more detailed description, screen 230 can additionally show various other preference settings, and such as the e-mail address 240 of user's input, it can be used for the user of identification equipment 10, and can be used for for example receiving payment receipt by transaction application 34.As shown in Figure 7, the user can by select graphic button 242 more new email address be provided with 240.Screen 230 can also comprise graphic button 244, and the user can use graphic button 244 to select input and storage to authorize PIN code, and indication is about the License Status of transaction application 34.For example, shown in label 246, transaction application 34 can be in " release " pattern, and therefore can be used to carry out the transaction of top general description by the user.For security purpose, the user can be provided with 246 such as switching this permission by selection graphic button 248 between release and locking mode, thereby can forbid transaction application 34 when being in locking mode.Should be appreciated that when transaction application 34 is locked the user possibly can't use equipment 10 to send or receive payment.In certain embodiments, be explained in more detail only release after mandate PIN is provided of transaction application 34 as following.

Refer again to acquiescence payment account 232 and be provided with, the user can upgrade the setting of this preference by selecting graphic button 236, and graphic button 236 can be so that the user enters screen 258.Screen 258 can show the current tabulation that is stored in all accounts on the equipment that can be selected as payment account.In the illustrated embodiment, the account tabulation can be organized as with label 260,262 and 264 appointed category.Be appreciated that this can be similar to the account tabulation of describing with reference to figure 5A on screen 120.Tabulation 260 can be corresponding to the current tabulation that is stored in the credit card on the equipment 10.As tabulate shown in 260, being presented at that credit card 232 on the previous screen 230 can be indicated as is the acquiescence payment account of current selection.Herein, the user can have and selects the option of one of other account list as the acquiescence payment account.In addition, if the user does not wish the setting of allocating default payment account, the user can select graphic button 266.For example, by selecting graphic button 266, when each use equipment 10 was paid, transaction application 34 can point out the user to select payment account.

In current embodiment, the user can be chosen in the credit card of importing among Fig. 5 A and the 5B 180.For example, the user can select credit card 180 by selecting the general location of credit card 180 on screen 258.After this, to the acquiescence payment account of former selection (for example, credit card 232) selection can be cancelled, and credit card 180 can be designated as on screen 258 be the acquiescence payment account of current selection.Then, the user can select graphic button 118, so that return screen 230, screen 230 can be updated so that credit card 180 is shown as the acquiescence payment account of new selection.

Proceed to Fig. 8 now, the figure shows other screen picture, wherein the user can select acquiescence to deposit account in.As shown in the figure, the user can select the graphic button 238 on the screen 230, so that access screen 270.Screen 270 can show the current tabulation that is stored in all accounts on the equipment that can selected conduct deposits account in.For example, screen 270 can show bank account tabulation 262 and noncash account tabulation 264.Yet, the tabulation 260 of the credit card of discussing with reference to the screen 258 of figure 7 above screen 270 can be ignored, this is because credit card generally is not used as the media of accepting payment integration or deposit.

As tabulate shown in 262, being presented at that bank account 234 on the previous screen 230 can be indicated as is that the acquiescence of current selection deposits account in.Correspondingly, the user can have and selects one of other account of listing on the screen 230 to deposit the option of account in as acquiescence.As an example, the user can be chosen in the bank account of importing among Fig. 6 A and the 6B 216.For example, the user can select bank account 216 by selecting the general location of bank account 216 on screen 270.After this, the selection that the acquiescence of former selection is deposited in account 234 can be cancelled, and bank account 216 can be indicated as on screen 270 be that the acquiescence of current selection deposits account in.Then, the user can select graphic button 118, so that return screen 230, screen 230 can upgrade so that the acquiescence that bank account 216 is shown as new selection deposits account in.In addition, as discussed above, if the user does not wish that allocating default deposits the account setting in, but more be willing to be intended to receive by equipment 10 be prompted when paying to select to deposit account at every turn, then the user can select graphic button 266.

In case with reference to figure 7 with 8 described modes have disposed acquiescence payment account (for example, credit card 180) and acquiescence deposits account (for example, bank account 216) in, the user can continue the other preference setting in the configuration screen 230 to the user with top.For example, with reference now to Fig. 9, show a plurality of screen pictures of depicting the method for selecting mandate PIN.With screen 230 beginnings, the user can select graphic button 244, so that access screen 280.Screen 280 can comprise Indication message 282, and it generally indicates the user to select to have the desirable mandate PIN of the character of some.For example, in the illustrated embodiment, equipment 10 can be configured to the PIN of storage 4 bit digital.Yet should be appreciated that other realization can use and have any mandate PIN that wishes length.

Shown in screen 280, the user can import desirable PIN 286 by numeric keypad 164 in the text field 284.In addition, can support to have among the embodiment of PIN code of text and numerical character at equipment 10, as discussed above, the user can be by selecting graphic button 166 accessing text keyboards 160 (not shown among Fig. 9).In case imported desirable PIN 286, the user can confirm the PIN 286 of input by selecting graphic button 288, graphic button 288 can upgrade screen 280, re-enters the affirmation message 290 of selected PIN 286 so that show the indication user in confirming the text field 292.Thereby the user can re-enter selected PIN 286 by means of numeric keypad 164 in the text field 292.

In case PIN 286 has been imported in the text field 292, the user can authorize PIN to select to handle by selecting graphic button 294 to finish.As understood by a person skilled in the art, after selecting graphic button 294, whether the mandate PIN code that equipment 10 can be determined to be input in the text field 284 and 292 is identical.If being input to the PIN code of the text field 284 and 292 does not match owing to user's input of mistake or for any other reason, then can notify the user not match (Fig. 9 is not shown), and can require the user to re-enter PIN 286 in each in the text field 284 and 292 once more.If determine that the PIN of input is identical, then PIN 286 can be stored on the equipment 10 with as authorizing PIN code, so that the additional security feature of following various aspects about transaction application 34 discussed in detail is provided.After this, in case authorize PIN 286 to be identified and to be stored in the equipment 10, the user can turn back to the screen 230 of renewal, and wherein graphic button 244 is replaced with graphic button 298, editor that graphic button 298 can be used corresponding to the user or the function of revising current stored authorized PIN code 286.

Except being provided to the user, selection and storage authorize the function of PIN code 286, the user preference setting of equipment 10 can also additionally provide locking or forbid the function of transaction application 34, thereby when transaction application 34 was locked, prevention equipment received, sends or handle transaction request.For example, in case by Subscriber Locked, in one embodiment, transaction application 34 can remain on locking or illegal state, up to having imported the user in Fig. 9 till the stored authorized PIN code 286.With reference to figure 10A and 10B, can understand these technology better about locking and release transaction application subsequently.

At first with reference to figure 10A, as discussed above, screen 230 can show that the permission that is used for transaction application 34 is provided with the indication of 246 current state, and its current transaction application 34 of can pointing out is in released state.Use 34 for locked transaction, the user can select graphic button 248 so that access screen 304.Shown in screen 304, can display notification message 306, if normally notify user's transaction application 34 locked, equipment 10 can not receive or send transaction request.If the user selects locked transaction to use 34, the user can do like this by selecting the graphic button 308 on the screen 304.Shown in Figure 10 A, the selection of graphic button 308 to be used 34 with locked transaction, and make the user return screen 230, screen 230 can be updated so that indicate permission that 246 current being in the lock state are set.Should be noted that graphic button 248 can be replaced by graphic button 312 on the screen 230 that upgrades, when graphic button 312 was selected subsequently, it can represent to allow the function of user's release transaction application 34.In addition, if determine locked transaction to use 34 screen 304 users of place, the user can select graphic button 310, thereby returns previous screen 230, and here, the permission of transaction application is provided with 246 and is indicated as and is in release.

Proceed to Figure 10 B now, if the user selects locked transaction to use 34 in Figure 10 A, the user can select the graphic button 312 on the screen 230.After selecting graphic button 312, the user can enter screen 318, and screen 318 can display notification message 320, field 322 and graphic button 324.The mandate PIN 268 that notification message 320 can indicate the user to import to select in Fig. 9.As illustrating, can provide numeric keypad 164 herein so that PIN 268 is authorized in input in the text field 322.In case imported mandate PIN 268, the user can confirm unlocking request by selecting graphic button 324, this can make the user return screen 230, wherein permission is provided with 246 and is updated reflecting that transaction application 34 is in released state once more, thereby allows use equipment 10 to receive and send the function of transaction request again.In addition, should be noted that as mentioned above that graphic button 312 can be replaced by graphic button 248.

Described the configuration about the various aspects of the transaction application 34 that can carry out on equipment 10, Figure 11 A shows totally by the initiation of label 328 expressions and with the aftertreatment transaction method from payee's angle.Similarly, Figure 11 B shows method 360, and method 360 is described the subsequent action that receives transaction request and pay in response to transaction request from payer's angle.Should be appreciated that in some

cases method

328 and 360 can concurrent at least in part generation.

Begin with Figure 11 A, the statement of expense that method 328 can step 332 is determined beginning.Be to be understood that, term " statement of expense (invoice) " can refer to the general data of Payment Request, and it can comprise the number of request payment, the payee's that asks identity and describe about the character of why asking to pay or the additional information of reason.In case determined the project of the statement of expense in step 332, shown in step 334, statement of expense information can be transferred to the payer.As an example, the statement of expense transmission of Information described in the method 328 can be corresponding to the top transmission of payment request information 94 from payee's equipment 10 to payer's equipment 10 with reference to figure 4 discussion.

After this, shown in step 336, the payee can wait for the information of transmitting the expression payment account from the payer.As discussed above, from payer's reception payment information can indicate to step 334 ask the payment affirmation and acceptance.After the payment information that receives from the payer, can on equipment 10, select the payee to wish to pay or deposit the account that deposits in of the payment of being asked in step 338 payee.For example, as discussed above,, deposit the acquiescence that account can be chosen as user's appointment automatically in and deposit account 216 in, and/or can select by hand with reference to as described in figure 6A and the 6B as top by the user.

Then, in payment request information that step 332 is determined, the selected account (they can always be called " Transaction Information ") that deposits in can be transferred to one or more suitable financial servers 100 payment information that step 336 receives from the payer and step 338, so that confirm and handle the transaction of being asked.For example, as mentioned above, can depend on payer and payee payment account of selecting respectively and the type that deposits account in to its type of transmitting the financial server 100 of Transaction Information.

Can handle Transaction Information at determining step 340, whether can be authorized to so that determine the transaction of being asked.If determine that in step 340 financial server 100 can not the authority to pay account and deposit the transaction of the one or more execution requests in the account in, method 328 can enter determining step 342, thereby can point out the payee to consult the project of current transaction again.As an example, if the payee wishes to consult again trading item, the payee can return step 336 so that receive the payment account of replacement from the payer, maybe can return step 338 so that the account that deposits in of selecting to replace.Should be appreciated that about returning the reason that step 336 or 338 judgement can depend on why Transaction Information can not pass through checking or mandate at determining step 340.For example, if authorisation process is owing to the fund or the credit line deficiency of the payment account that receives in step 336, then the payee people that can request for payment provides the payment account with enough funds or credit line or other replacement, so that satisfy the payout of being asked.In this case, method 328 can be got back to step 336 from determining step 342.

Replacedly, the authorization failure that determining step 340 places may take place is because payment account and deposit situation incompatible between the account in.As an example, be credit card and selected to deposit account in be uncommitted or when being configured to receive the bank account of the payment of carrying out from credit card, such Fail Transaction may take place at selected payment account.Therefore, this method can be returned step 338 from determining step 342, being authorized to of can pointing out wherein that the payee selects to replace receives the account that deposits in from the payment of selected payment account, or return step 336, the people selects the payment account replaced thereby the payee can request for payment, such as with the selected bank account that deposits the account compatibility in of payee.Replacedly, the payee can select not consult trading item again at step 342 place, and therefore cancels current transaction at step 344 place.

Return determining step 340 now, can authorize the transaction of being asked if determine with regard to payment account and deposit in regard to the account, then in step 346, as with the label indication, can be paid or be deposited in what step 338 was selected corresponding to the payment of the payout of being asked and deposited in account.In case the payee has received payment in step 346, transaction can be finished in step 348.After this, in step 350, can directly or under the payee authorizes transmit payment receipt to the payer indirectly by payer's equipment 20 by the payee by a financial server 100.For example, the payee can authorize after completing successfully transaction, with electronic receipt, such as the receipt 104 of Fig. 4, is transferred to payer's equipment 92 from one or more financial servers 100.

Proceed to Figure 11 B now, describe the transaction of Figure 11 A from payer's angle from payee's angle general description by method 360.With step 364 beginning, the payer can receive Payment Request from the payee.For example, the reception of the Payment Request of step 364 can be corresponding to the statement of expense transmission of Information of the step 334 of method 328.After receiving Payment Request, method 360 can enter step 366, and wherein the payer can select payment account the one or more available payment account on being stored in payer's equipment 92.As the selection of describing among Fig. 5 A and the 5B to the acquiescence payment account 180 on the equipment 10, payer's equipment can be combined with similar characteristics.In case selected payment account, this method can proceed to step 366, wherein selected payment account is transferred to the payee.As discussed above, in one embodiment, can connect by the NFC between payee's equipment 10 and the payer's equipment 92 and finish Payment Request and payment account transmission of Information.In case the payee receives the information of the payment account of expression payer selection, the payee can select to deposit in account (for example, the step 338 of method 328), and Transaction Information is offered one or more financial servers 100 so that handle.

At determining step 368, carry out about determining that whether transaction completes successfully.If transaction is not finished, such as for one or more reasons discussed above, then shown in step 370, payer's account is not drawn.Replacedly, if determine that at determining step 368 the financial server mandates should transaction, and transaction completed successfully, and then draws or collect the payout of being asked in step 372 from the payment account of payer's appointment.After this, shown in step 374, the payer can receive the receipt of pointing out to have carried out to the payee from payment account payment.For example, the receipt that receives in the step 374 of method 360 can be corresponding to the receipt in step 350 transmission of said method 328.

Continue this discussion now, Figure 12 A-12C shows the technology of expression according to current description, the synoptic diagram of the various transaction that can carry out between payee's equipment 10 and payer's equipment 92.Usually, provided as following with the embodiment shown in Figure 12 A-C and to be explained in more detail, can overlap (tap) by NFC and operate in two some situations with transaction of initiating between the equipment of NFC function.For example, the Payment Request that provides in response to by payee's equipment 10 is provided Figure 12 A, pays by means of the credit card that is stored on payer's equipment 92.Figure 12 B and 12C show the payer and select bank account other embodiment as payment account.Particularly, Figure 12 B shows by different banking providers and keeps selected payment account and deposit the situation of account in, and Figure 12 C shows by identical banking provider and keeps selected payment account and deposit the situation of account in.

Begin with Figure 12 A, transaction 375 can comprise payee's equipment 10, payer's equipment 92 and one or more financial server 100, and in the present embodiment, financial server 100 can comprise bank server 380 and credit card validation server 382.In order to initiate to conclude the business 375, payee's equipment 10 can be at first to payer's equipment 92 transmission Payment Request 384.As discussed above, Payment Request 384 can comprise the number, payee's identity of payment of asking and about the character of Payment Request or the additional information of reason.As mentioned above, payee's equipment 10 and payer's equipment 92 can be the equipment with NFC function.Therefore, payment request information 384 can be by connecting 388 by setting up NFC with " overlap joint " equipment shown in the label 386 or execution " overlap joint operation ", and be transferred to payer's equipment 92 from payee's equipment 10.

As using herein, term " overlap joint " and " overlap and operate " thus etc. be appreciated that to mean and the equipment with NFC function is placed on one or more other has near can between these equipment, set up the equipment of NFC function based on the connection of NFC action.As discussed above, a kind of technology that is used to set up based on the connection of NFC can be to pass through magnetic field induction, the equipment generation RF field that has the NFC function thus as first of main process equipment, this RF field makes that again the NFC equipment of second equipment that is positioned at changes active state into from passive state, connects thereby set up NFC.In case be established, can be connected exchanged between equipment information by NFC.

Briefly, show the synoptic diagram of NFC overlap joint operation 386 with reference to Figure 13.For example, before starting NFC connection 388, payer's equipment 92 can be in passive or " NFC the wakes up " pattern with label 390 expressions.When at passive state, the NFC equipment 46 and the NFC interfaces 60 that can be included in the equipment 92 can remain non-activation, detect from external unit up to NFC interface 60---such as payee's equipment 10---the NFC transmission.As an example, in case, being positioned at the NFC interface 60 and the corresponding N FC equipment 46 of payee's equipment 10 so that transmit Payment Request 384, operation payee equipment 10 can be converted to active or the host mode of representing with label 392.In the time of in being in host mode 392, the NFC equipment 46 of payee's equipment 10 can be launched the NFC signal of communication periodically, so as to seek be positioned at help proper range that NFC connects have its separately other of NFC interface 60 and NFC equipment 46 have the equipment of NFC function.

For example, when payee's equipment 10 and payer's equipment 92 are placed on when being convenient to set up in the proper range that NFC is connected (for example, overlap joint operation 386), establishment of connection can be from here with the startup of the label 396 expressions beginning of shaking hands.Should be appreciated that when gap-bridging device importantly the NFC equipment 46 in each relevant device is positioned as the distance that makes between the corresponding NFC equipment 46 and is suitable for setting up connection based on NFC.For example, if payer's equipment 92 is big relatively non-portable equipments, the payee need be placed as payee's equipment 10 the NFC equipment 46 that makes in payee's equipment 10 and be in the suitable distance of any corresponding NFC circuit in payer's equipment 92, connects 388 so that set up NFC.

When the NFC of payee's equipment 10 interface 60 and NFC equipment 46 were operated in host mode, payee's equipment 10 can be launched examination (ping) message 400 periodically.The corresponding NFC interface 60 of payer's equipment 92 can receive ping messages 400, thereby make the NFC equipment 46 that is positioned at payer's equipment 92 after detecting the NFC transmission, (for example be waken up, NFC wakes up), as with label 398 indications, be converted to aggressive mode thus from Passive Mode.Therefore, in case be powered and activate, the NFC equipment 46 of payer's equipment 92 can by send acknowledge message 402 with in response in the replying of ping messages 400, acknowledge message 402 can be received by the NFC interface 60 of payee's equipment 10, shakes hands 396 thereby finish to start.

Shake hands after 396 in startup, as indicating with label 404, payee's equipment 10 and payer's equipment 92 can switching equipment profiles (profile).Device profile 404 can comprise the various information about function available on payee's equipment 10 and payer's equipment 92.For example, device profile 404 can be represented by the data-message of any suitable form, comprises extend markup language (XML), and it can the indication equipment title, the identification information of sequence number, owner's title, device type and any other type.For example, additional identification information for example can comprise the service provider (such as, can with each network that is associated or the cell phone service provider in equipment 10 and 92) title.By indicating which application, driver or service can be installed on each equipment, device profile 404 can also comprise the information about the ability of payee's equipment 10 and payer's equipment 92.

In addition, payee's equipment 10 and payer's equipment 92 can also exchange the information about cryptographic capabilities available on each equipment, shown in label 406.As discussed above; because various transaction discussed herein may always relate to such as the transmission about the sensitive informations such as information of credit card and bank account; use one or more encryption measures so can carry out, so that protection Transaction Information transmission and that be transferred to one or more financial servers 100 between payee's equipment 10 and payer's equipment 92.Therefore, connect 388 in case set up NFC, and exchanged device profile 404 and cryptographic capabilities 406, just can be between

equipment

10 and 92 exchange message, shown in label 408.

Return Figure 12 A now, data transmission 408 can comprise by the NFC connection 388 of setting up transmits payment request information 384 from payee's equipment 10 to payer's equipment 92.Then, after receiving payment request information 384, payer response can be by selecting to be stored in payment account on payer's equipment 92 the continuous business process.In the illustrated embodiment, the payment account of selection is a credit card.Payer's equipment 92 can connect 388 to the credit card information 410 of payee's equipment 10 transmission corresponding to the credit card of selecting by NFC by the second overlap joint operation 412.Be appreciated that except payer's equipment 92 to can be used as main process equipment and payee's equipment can be operated in " NFC wakes up " pattern, can carry out overlap joint operation 412 with the top overlap joint of describing with reference to Figure 13 386 identical modes of operating.Should also be noted that, in certain embodiments, if keep distance between

equipment

10 and 92, during data transmission, activate thereby keep NFC to connect 388, the exchange of payment request information 384 and payment account information 410 can take place by single overlap joint operation (for example, 386).

Receive credit card information 410 on payee's equipment 10 after, as (for example, step 338) that top reference method 328 is discussed, the payee can select to deposit in the account that deposits in of the payment of being asked.In case selected to deposit in account, payer's credit card information 410, payee deposit accounts information and payment request information 384 (totally by Transaction Information 414 expressions) in and can sentence the network shown in the label 416 by this and connect and be transferred to financial server 380.As an example, if the account of selecting that deposits in is a bank account, financial server 380 can be corresponding to keeping the banking provider that deposits account in.In addition, any suitable network that can be provided by a kind of communication interface 56 available on payee's equipment 10 (for example, WAN, LAN, WLAN etc.) can be provided the network 416 by its transmission Transaction Information 414.For example, network 416 can be by the wireless internet connection of WLAN interface 58 foundation, by the LAN (Local Area Network) connection of LAN interface 66 foundation or the wide area network connection of setting up by wan interface 68, wan interface 68 can comprise one of various WAN mobile communication protocols, connects (strengthening data transfer rate GSM evolution connects) or 3G connection (such as the 3G connection according to IMT-2000 standard discussed above) such as GPRS (GPRS) connection, EDGE.

After receiving Transaction Information 414, financial server 380 can be carried out some actions, so that further authorize the transaction 375 of being asked.Whether for example, financial server 380 can at first be provided by the account that provides with Transaction Information 414, so that determine the payment account of appointment and deposit account in compatible.As discussed above, if appointment deposit the payment of the uncommitted acceptance of account in from credit card, financial server 380 may not be handled the transaction 375 of being asked.Then, if financial server 380 determines to deposit in account and payment account compatibility, financial server 380 can further transmit the payer's who represents with label 418 credit card information to credit card validation server 382 by network 420.Network 420 can be a suitable network of being convenient to any kind of data transmission, and basis is used for transmitting to financial server 380 at first one or more network types of network 416 descriptions of Transaction Informations 414 above comprising.

In case credit card validation server 382 receives payer's credit card information 418, can carry out additional identification and authorisation step with label 422 expressions, so that the credit card that provides of checking is effectively, and has enough limited credits and fulfil the payment of being asked.Therefore, if credit card validation server 382 determine the credit card information 418 that provides corresponding to having enough credit lines so that carry out effective credit card of the payment 384 of being asked, credit card validation server 382 can be authorized the payment of being asked by sending authorization messages by network 420 to financial server 380.As with label 424 indication, financial server 380 can be finished the processing of the transaction 375 of being asked then, wherein collect corresponding to institute to payer's credit card and ask the number paid, and the payment that will collect deposits the account that deposits in of payee's selection in.

After this, in case successfully handle and finished transaction in step 424, trade confirmation message 426 can be transferred to payee's equipment 10 by network 416.Trade confirmation message 426 can be usually points out that to the payee payment 384 of being asked finished.In addition, also payment receipt 428 can be transferred to payer's equipment 92.Payment receipt 428 can be transferred to payer's equipment 92 by above-mentioned any connection type.For example, the transmission of payment receipt 428 can be undertaken by network 430, network 430 can be that the network of any kind set up by universal network interface available on payee's equipment 10 and the payee's equipment 92 is connected, (for example connect such as LAN, interface 66), WLAN (for example connects, interface 58) or WAN connect (for example, interface 68).In addition, can also be by payee's equipment 10 being snapped into payer's equipment 92 transmission payment receipt 428.Can set up another NFC with this overlap joint operation shown in the label 432 and connect 434, can be thereby provide to the passage of payer's equipment 92 transmission payment receipt 428.

Payment receipt 428 can comprise the information such as time such as the total payoff number of transaction 375, method of payment (for example, credit card 410) and processing transaction 375.In addition, in certain embodiments, payment receipt 428 can indicate with by equipment 10 and 92 and the extra charges that are associated in the transaction processing service of carrying out transaction and providing jointly in 375 o'clock of financial server 100 (for example, comprising bank server 380 and credit card server 382).Therefore, should be noted that, various business methods can be provided, wherein collect tranaction costs to one of payee and payer or both according to another aspect of the present disclosure.Can collect the charges at each processing transaction request, maybe can be for example based on the fixed expense of booking service monthly.In addition, can reach in the agreement that dispensing transaction expense between one or more entities of transactional services is provided, described entity for example comprises, banking provider (for example, be associated with financial server 380), credit card provider (for example, be associated with credit card server 382) or equipment manufacturers (for example, equipment 10 and 92 manufacturer).According to an embodiment, tranaction costs can be collected by single entity (for example, banking provider) at first, and press protocol mode later on and distribute (for example, credit card provider and equipment manufacturers) between all the other entities.

Continue now Figure 12 B, illustrate and with the synoptic diagram of label 376 overall indication expressions according to the alternative embodiment of the transaction of the technology of current description.As discussed above, the payment account of selecting except the payer can be bank account rather than the credit card, and transaction 376 can be similar to the transaction of describing 375 in Figure 12 A.As discussed above, the NFC that payee's equipment 10 can be set up by the result as overlap joint operation 386 at first connects 388 to payer's equipment 92 transmission Payment Request 384.After receiving Payment Request 384, the payer can select to be stored in bank account on payer's equipment 92 as payment account, and uses NFC to connect 388 bank account information 440 is transferred to payee's equipment 10.

After on payee's equipment 10, receiving bank account information 440, as discussed above, the payee can select to deposit in account, and transmit Transaction Informations 442 by network 416 to financial server 380 then, Transaction Information 442 can comprise selection payment account (for example, 440), deposit account and payment request information 384 in.As discussed above, financial server 380---its can corresponding to keeping the banking provider that deposits account in that the payee selects---can start one or more authorisation steps, such as the payment account of determining appointment with whether deposit account in compatible.Financial server 380 can be transferred to second financial server 418 that is associated with payer's banking provider with the bank account information with the payer of label 444 expression then.In other words, current transaction 376 shows the situation of being kept the bank account that payee and payer select by two different banking providers (for example, different financial institution).

Can finish the transmission of bank account information 444 by network 420 to financial server 418.In case receive bank account information 444, financial server 418 can determine whether account is active account, and whether the account comprises enough funds to satisfy the payment 384 of being asked.If financial server 418 is determined and can be transmitted authorization messages to financial server 380 by network 420 at bank account 444 authority to pay requests 384.As discussed above, financial server 380 can be finished the processing (shown in label 448) of institute's requests transaction 376 then, wherein draws the number corresponding to ask payment from payer's bank account, and deposits payee's the account that deposits in subsequently in.

After this, in case transaction is successfully handled, trade confirmation message 450 can be transferred to payee's equipment 10 by network 416.Trade confirmation message 450 generally can be pointed out to have used the payment 384 of being asked to depositing account in to the payee, thereby finishes transaction 376.In addition, as discussed above, can also use one or various available network to connect to payer's equipment 92 transmission payment receipt 428.

With reference now to Figure 12 C,, illustrates and with the overall indication expression of label 378 another synoptic diagram according to the transaction of another embodiment.Particularly, Figure 12 C shows a kind of process of exchange, and it can be similar to the transaction of describing with reference to figure 12B 376, but wherein payment account is the bank account of being kept by identical banking provider with depositing account in.As following discussed in detail, in the present embodiment, one or more financial servers of representing with the label among Fig. 4 100 can only need single financial server 380.

In order to start process of exchange 378, above can being similar to, payee's equipment 10 transmits Payment Request 384 to payer's equipment 92 according to the mode of Figure 12 A and 12B description.For example, can connect 388 thereby set up the NFC that is used for data transmission, finish the transmission of Payment Request 384 by payee's equipment 10 overlap joints 386 are arrived payer's equipment 92.In case receive Payment Request 384, the payer can select a bank account as payment account.After this, payer's equipment 92 can connect 388 to the bank information 458 of payee's equipment 10 transmission about selected bank account by NFC.

After payer's equipment 92 receives bank information 458, the payee can select to deposit in the account that deposits in of the payment 384 of being asked.As mentioned above, in current situation about illustrating, account and the payment account 458 that provides (being referred to as Transaction Information 460 herein) being provided in both can be the accounts of being kept by identical banking provider of selection.Therefore, then can be by network 416 to financial server 380 transmission Transaction Informations 460, financial server 380 can and deposit the common banking provider of account in payment account and be associated.

Financial server 380 can be provided by step that whether validity of the account that provides of checking and definite payment account comprise the fund that is enough to fulfil Payment Request 384 then.It should be noted that, be different from the described embodiment of Figure 12 A and 12B, because common banking provider keeps these accounts, financial server 380 does not need to second external server (such as the credit card validation server 382 of Figure 12 A and second financial server 418 of Figure 12 B) transmission accounts information.Therefore, by financial server 380 storage and can visit information about the payment account 458 that deposits account and selection in.Therefore, in case financial server 380 empirical tests deposit account in and payment account all is effective, and payment account comprises the fund that is enough to fulfil Payment Request 384, financial server 380 just can be handled transaction (shown in label 464), thereby it is as discussed above, draw the payment of being asked from payer's bank account, and deposit payee's the account that deposits in subsequently in.After finishing transaction 378, trade confirmation message 466 can be transferred to payee's equipment 10 from financial server 380 by network 416.In addition, can use above-mentioned available network to connect to payer's equipment 92 transmission payment receipt 428.

Provided respectively and equipment (has for example been concluded the business according to transaction shown in Figure 12 A, 12B and the 12C 375,376 and 378 equipment of describing, between payer's equipment 92 and payee's equipment 10) various embodiment, in Figure 14 A-14J further by being displayed on the various screen pictures on payee's equipment 10 or the payer's equipment 92 and being used to operate payee's equipment 10 and payer's equipment 92 so that finish the various technology of aforesaid transaction 375,376 and 378 by illustrating to show.In addition, should be noted that in the current embodiment that illustrates, payee's equipment 10 and payer's equipment 92 all are the equipment with NFC function.

At first with reference to figure 14A, show the payee can operating equipment 10 so that the processing of transmission Payment Request.Action shown in these screen pictures can be usually corresponding to the step 332 of the method 328 shown in Figure 11 A, and payment request information discussed above 384 is to the transmission of payer's equipment 92.In addition, can carry out the action that illustrate herein from payee's angle, thereby and the action shown in these screens be described to carry out by the payee.

Shown in current accompanying drawing, processing can be from screen 110, and as discussed above, screen 110 can be represented " main screen " of transaction application 34.From screen 110, the payee can select graphic button 114, and this can be so that the payee enters screen 476.Screen 476 can show a plurality of graphic buttons 478,480 and 482.In these graphic buttons each can be represented the specific function that can carry out when being selected by the payee.For example, in the illustrated embodiment, graphic button 478 can represent that the user can initiate the function of Payment Request with it.Graphic button 480 can represent that the user can send the function of payment with it to another equipment.In addition, graphic button 482 can allow the user to initiate transaction between two or more other sides.The function of latter two

figure button

480 and 482 expressions will be described below in more detail.

In order to initiate Payment Request, the payee can select graphic button 478, and this can be so that the payee enters screen 484.Be similar to screen 476, screen 484 also can show a plurality of graphic buttons 486,488 and 490, and each in them can be represented specific function.As shown here, graphic button 486 can represent that the payee can be used for using NFC equipment 46 to initiate the function of Payment Request.This function generally can be corresponding to the top technology of describing according to transaction 375,376 and 378.In addition,

graphic button

488 and 490 can indication equipment 10 on available additional function, can initiate transaction by these functions, and will be described in greater detail below.

By selecting graphic button 486, the payee can enter screen 492.Shown in Figure 14 A, screen 492 can comprise the text field 496,498 and 500, and the payee can use the information of their inputs about Payment Request.For example, the text field 496 can be used for importing payee's identity, and the text field 498 can be used for specifying the number that requires payment, and the text field 500 can allow the payee to comprise about the character of the payment of request or the describing message of reason.Shown in screen 492, can in the text field 496,498 and 500, import information needed by text keyboard 160 or numeric keypad 164 (for example, by selecting graphic button 162).In case imported information needed in the text field 496,498 and 500, the payee can be transferred to payer's equipment 92 with the information of input with the form of Payment Request (for example, 384) by selecting graphic button 504.

As mentioned above, the function of graphic button 504 expression can be corresponding to carrying out the instruction that the NFC equipment 46 of giving payee's equipment 10 powers up, thereby equipment 10 is placed the NFC aggressive mode, and activate NFC interface 60.For example, with reference now to Figure 14 B, after selecting graphic button 504, can be on payee's equipment 10 display screen 508.Screen 508 can comprise notification message 510, points out NFC interface 60 current being activated of payee's equipment 10, and can set up NFC with external unit and be connected, so that be transmitted in the payment request information of input in the screen 492.Correspondingly, notification message 510 can also indicate the payee that payee's equipment 10 is overlapped (for example, 386) to second equipment, such as payer's equipment 92, connects so that set up NFC.

Concise and to the point with reference to figure 14C, show and operate 386 by overlap joint and set up two equipment, that is, and payee's equipment 10 and payer's equipment 92, between NFC connection 388.As discussed above, the NFC equipment 46 of payee's equipment 10 can be powered up after selecting the graphic button 504 shown in Figure 14 A, thereby as indicating with label 392, equipment 10 is placed host mode or aggressive mode, wherein discuss with reference to figure 13 as top, active devices 10 can be launched NFC transmission ping messages 400 periodically.Distance is current with payer's equipment 92 acceptable distances 514 of the passive or NFC awakening mode shown in the label 390 (for example to be in when active devices 10 is placed in, in the time of 2-4cm), payer's equipment 92 can be converted to aggressive mode from Passive Mode, wherein the NFC equipment 46 in payer's equipment 92 powers up, thereby enable the corresponding NFC interface 60 of payer's equipment 92, and provide the NFC between payee's equipment 10 and the payer's equipment 92 to connect 388 foundation, connect 388 by this NFC and can transmit Payment Request.

Though the payer's equipment 92 shown in Figure 14 C is shown, should be appreciated that in alternative embodiment payer's equipment 92 can also comprise non-portable equipment, such as personal computer, evaluation work station, payment terminal etc. with the portable equipment that is similar to payee's equipment 10.For example, with reference now to Figure 14 D, show the NFC establishment of connection, wherein payee's equipment 10 is snapped into the non-portable desk-top computer shown in the label 515.Therefore, should be appreciated that the transaction that embodiment of the present disclosure aims to provide between the electronic equipment of any suitable type initiates and handle, no matter electronic equipment is that portable also right and wrong are portable.

Return Figure 14 B, in case payee's equipment 10 is arrived payer's equipment 92 by overlap joint 386, payer's equipment 92 can detect from the NFC of payee's equipment 10 emissions and (for example transmit, ping messages 400), and be converted to aggressive mode from Passive Mode, the corresponding NFC equipment 46 of payer's equipment 92 powers up thus.As shown in Figure 14B,, and detect NFC transmission from payee's equipment 10 emission in

case equipment

10 and 92 is overlapped, just can be on payer's equipment 92 display screen 516.Screen 516 can comprise notification message 518, and its advice and pay people has detected the NFC transmission, and in response, the corresponding NFC equipment 46 of payer's equipment 92 powers up, and corresponding NFC interface 60 is activated.Notification screen 516 can also provide graphic button 520, if graphic button 520 is selected, the payer can be by its cancellation NFC connection procedure.

If on payer's equipment 92, allow NFC to connect 388 foundation, then can the screen 508 of update displayed on payee's equipment 10 so that display notification message 522.Notification message 522 can be pointed out (for example to have set up the NFC connection between payee's equipment 10 and payer's equipment 92,388), and connect 388 by NFC, the payment request information of payee's appointment on the screen 492 of Figure 14 A just is being transferred to payer's equipment 92.Screen 508 can also comprise graphic button 512, and by graphic button 512, the user has before the payment request information transmission or cancels the option of Payment Request during the transmission.

Simultaneously, the notification screen 516 that is presented on payer's equipment 92 can be upgraded similarly so that display notification message 524.Notification message 524 can be pointed out to the payer, between payer's equipment 92 and payee's equipment 10, set up NFC and connected 388, and payment request information is current just to be transmitted from payee's equipment 10, and is received by the corresponding NFC interfaces 60 in payer's equipment 92.

Be appreciated that between the described payee's equipment 10 of Figure 14 B and the payer's equipment 92 alternately can be generally corresponding to the one or more steps that provide in Figure 11 A and the 11B method 328 and 360 shown in respectively.For example, the action shown in the screen 508 can be represented the step 334 to payer's transmission cost inventory.Concise and to the point with reference to Figure 15 A that illustrates in greater detail each step of method 328 according to current embodiment, as with shown in the step 530, step (for example, step 334) from payment request information to the payer that transmit can comprise such as setting up the NFC connection by overlap joint operation 386.In addition, as with shown in the step 532, the execution of step 334 can also comprise that using the NFC that sets up to connect the payment request information that will import in screen 492 is transferred to payer's equipment 92.In addition, can after detecting, be presented at from the NFC of payee's equipment 10 transmission screen 516 on payer's equipment 92 can method for expressing 360 in the step 364 of reception Payment Request.For example, with reference now to Figure 15 B, can step 364 be described in more detail according to the current embodiment that illustrates.For example, according to current embodiment, shown in step 534, the step 364 that receives Payment Request can comprise that operation adds the action that NFC connects by overlap joint.In addition, in case set up the NFC connection, shown in step 536, payer's equipment 92 can use NFC to connect the payment request information that receives from 10 transmission of payee's equipment.

As mentioned above, particularly with reference to figure 12A-C, the payer can select suitable method of payment in response to the Payment Request 384 that receives from payee's equipment 10 on payer's equipment 92.For example, selected payment account (for example can comprise credit card, 410), with respect to the payee (for example deposit bank account that banking provider that account is associated provides by another different banking provider in, 440) or bank account (for example, 458), the banking provider account that deposits in of also managing the payee wherein.As with shown in Figure 14 E-14G, can selection to these various types of payment accounts be shown by being displayed on various screen pictures on payer's equipment 92.

At first with reference to figure 14E, in case payer's equipment receives payment request information, can upgrade screen 516 so that show the details 540 of Payment Request, it can usually reflect the information of input in the field 496,498 and 500 of payee on the screen 492 of Figure 14 A.In addition, screen 516 can comprise

graphic button

542 and 544, and the user can accept or the refusal to pay request by

graphic button

542 and 544 respectively.Shown in Figure 14 E, if the payer selects graphic button 542, the payer can enter screen 546.Screen 546 can be listed the payment request information that some or part receive.For example, screen 546 shows payee's identity 550 and the payout 552 of being asked.As indicating with label 548, screen 546 can also show the information about payer's identity.In the figure that illustrates, payer's identity information 548 can comprise payer's title, and the e-mail address that is associated that identifies this payer.Therefore, the e-mail address of demonstration can be transferred to payee's equipment 10, and is used by process of exchange, such as, so that send above-mentioned payment receipt 428.

Screen 546 can also show the payment account 554 of current selection.As illustrating herein, the method for payment 554 of current selection can be possible by the payer such as by the acquiescence of one or more choices of technology of describing with reference to figure 7 above using or the method for payment of preference.In addition, screen 546 can comprise graphic button 558,560 and 562.Graphic button 558 can represent that the payer can be used for using the payment account 554 of acquiescence to start the function of the transmission of payment informations.Graphic button 560 can represent that the user can be used for selecting another function of another kind of method of payment.Therefore if the payer prefers accessing to your account account outside 554 as the payment account in the current transaction, the payer can do like this by selecting graphic button 560.In addition, by selecting graphic button 562, the payer can have the option that Cancels Transaction.

If the payer determines to select the payment account outside the acquiescence payment account 554 of current selection, the payer can select graphic button 560 so that access screen 566.Screen 566 can show a plurality of graphic buttons 570,572,574,576 and 578 of representing account class.In certain embodiments, such as the current embodiment that illustrates, with button 570,572, each kind of 574,576 and 578 expressions also can be subdivided into additional subcategory.As an example, select the credit card kind with graphic button 570 expressions can be so that the payer enters screen 580, screen 580 can display graphics button 584,586,588,590 and 592, these graphic buttons are represented the various subcategorys of the credit card type that can be selected by the payer.Refer again to the screen 146 of Fig. 5 A, with graphic button 584,586, the credit card subcategory of the credit card of 588,590 and 592 expressions can be corresponding to the one or more credit card kinds that provide in drop-down field 154.In addition, by selecting graphic button 594, the payer can also have the option of all available credit card accounts of watching on the current payer's of being stored in equipment 92.

The payer can also be chosen in the account of paying and select to watch before all available payment accounts (for example, not only being confined to credit card).For example, by selecting the graphic button 118 on the screen 580, the payer can return previous screen 566.At screen 566, the payer can select graphic button 578, so that visit is stored in the tabulation of the payment account selected on payer's equipment 92, this tabulation can be provided by screen 598.In the illustrated embodiment, screen 598 can show the tabulation of all current storages and available payment account by kind.For example, as top as described in, can (comprise noncash according to credit card 600, bank account 602 and adjunct account 604

Account) comes available payment account grouping.

Shown in the credit card tabulation 600 of the storage on the screen 598, available credit card can comprise the acquiescence payment account 554 of current selection, and the credit card 602 of replacing.Therefore, shown in screen 598, payment account 554 provides the payment 384 of being asked if the payer does not wish to use acquiescence, and the credit card 602 that the payer can select to replace is as payment account.After having selected the credit card 602 of replacing, the payer can return screen 546, and screen 546 can be updated to point out that credit card 602 is selected as the payment account of current transaction.In addition, the screen 546 of renewal can display graphics button 606, the graphic button 558 that shows before it can replace.Graphic button 606 can represent that the payer can be used for initiating to send to payee's equipment 10 function of credit card information 602.

Replacedly, the account outside the payer's credit card 600 that can select to list is as selected payment account.For example, bank account or tabulate the noncash account 604 in of user in can selective listing 603.With reference now to the screen picture shown in Figure 14 F and the 14G,, these images show the payer can select the method for bank account as payment account.Particularly, Figure 14 F shows the selection to bank account, wherein such as describing in the transaction 376 of Figure 12 B, is kept the bank account of selection and payee's the account that deposits in by the different bank service provider.Figure 14 G shows the selection of payer to bank account, and can be corresponding to the transaction 378 shown in Figure 12 C, is wherein kept the payment account of selection and payee's the account that deposits in by identical banking provider.

Shown in Figure 14 F, by the graphic button of at first selecting on the screen 516 542 as discussed above, and select graphic button 560 on the screen 546 then, the payer can navigate to screen 566.At screen 546, not selection graphic button 570 as discussed above or 578, the payer can select graphic button 572 so that access screen 610, and screen 610 can show the bank account tabulation 603 on payer's equipment 92 of being stored in that can be used as payment account.As shown in this embodiment, the payer can select bank account 612.After this, the payer can return the screen 546 that has upgraded, and it can reflect bank account 612 selected payment accounts as current transaction.Should be noted that as top bank account 612 and such (for example, Wells of banking provider are discussed with reference to the screen among the figure 8 270

) being associated: the acquiescence that this banking provider can be different from the payee selects (for example, deposits banking provider that account 216 is associated in

).Therefore, explain with reference to figure 12B as top, according to the mandate of the transaction of the action shown in the screen of Figure 14 F with handle may needs take place with different financial servers (for example, financial server 380 and 418) that corresponding banking provider separately is associated between communication.

Figure 14 G shows the selection of payer to bank account similarly, and such as with shown in the transaction 378 of Figure 12 C, this bank account can be shared common banking provider with payee's the account that deposits in.With screen 516 beginnings, the payer can select in the following order: graphic button 542 is so that navigate to screen 546, and graphic button 560 is so that navigate to screen 566, and graphic button 572 is so that the tabulation of the bank account on the access screen 610 603.Herein, be different from and select bank account 612, the payer can select bank account 614.The acquiescence that should be noted that bank account 614 and payee deposits account 216 in and (for example, is associated with identical banking provider

).Therefore, after selecting bank account 614, the payer can return screen 546, and screen 546 can be updated so that reflect and select the payment account of bank account 614 as current transaction.In addition, discuss with reference to figure 12C, can authorize and handle transaction by single financial server (for example, 380) according to the action as shown on screen of Figure 14 G as top.

As discussed above, can comprise one or more security features such as equipment such as payee's equipment 10 or payer's equipment 92, such as use to mandate PIN code (such as the top PIN that in Fig. 9, describes 286).Should be appreciated that the use authority PIN code can prevent to carry out the unauthorized payment from payer's equipment 92 or payee's equipment 10.As an example, the payer can configuration device (for example, by one or more user preference settings), authorizes PIN code to send and the transmission payment information to authorize from payer's equipment 92 thereby must provide.

Proceed to Figure 14 H now, shown on the screen 546, in case selected method of payment, such as the credit card 602 of replacing, the payer can continue payment by selecting graphic button 606.After this, screen 620 can be displayed on payer's equipment 92, and can comprise Indication message 622, and its indication user must import and authorize PIN code so that finish transaction.Therefore, the payer can import correct mandate PIN code 624 by numeric keypad 164 in the text field 626.As discussed above, the equipment of should be appreciated that can support to use alphanumeric mandate PIN code.In these embodiments, by selecting graphic button 166, the user can be switched between numeric keypad 164 and text entry keys dish 160 (not shown among Figure 14 H).In addition, though the just selection of the credit card 602 among Figure 14 E, use authority PIN code 624 has been shown in Figure 14 H, be to be understood that, just the embodiment shown in Figure 14 F and the 14G implements to authorize PIN code 624, wherein the method for payment of Xuan Zeing is a bank account, also can use the method for payment of any other type that can select on payer's equipment 92.

In case imported correct mandate PIN code 624, the user can be by selecting graphic button 628 to authorize and sending payment information to payee's equipment 10.After selecting graphic button 628, can be on payer's equipment 92 display screen 630, and can point out (as with label 632 expressions), the NFC equipment 46 of payer's equipment 92 has been powered, thereby activate corresponding NFC interface 60 and payer's equipment 92 is placed active or host mode, as discussed above such.The overlap joint operation that notification message 632 can also indicate the payer to carry out receiving equipment---being payee's equipment 10 in this example---.In addition, screen 630 can comprise graphic button 634, and if desired, the payer can select graphic button 634 so that the transmission of cancellation payment information.

Proceed to Figure 14 I now, this figure shows overlap joint operation and the NFC establishment of connection between payer's equipment 92 and payee's equipment 10 subsequently prevailingly.Discuss as top Figure 14 H, the screen 630 that can be displayed on payer's equipment 92 can comprise Indication message 632, point out payer's equipment 92 current patterns that have the initiative to the payer, and the indication payer carries out and the overlap joint operation of payee's equipment 10, the overlap joint operation 412 shown in Figure 12 A.Therefore, distance between two equipment is enough to set up NFC in case payer's equipment 92 and payee's equipment 10 are placed as located adjacent one another connects, payee's equipment 10 can detect from the NFC transmission of payer's equipment 92 emissions, such as above-mentioned ping messages 400.

After detecting from the NFC of payer's equipment 92 transmission, payee's equipment can activate its oneself corresponding NFC equipment 46.In addition, screen 638 can be displayed on payee's equipment 10, comprises notification message 640, and notification message 640 points out to detect the NFC transmission to the payee, and the NFC equipment 46 of payee's equipment 10 just is being powered.Notification screen 638 can also comprise graphic button 642, cancels the option of NFC establishment of connection if graphic button 642 provides hope to the payee.Therefore,, can be updated on payer's equipment 92 screen 630 that shows and in the screen 638 that on payee's equipment 10, shows each, so that display notification message 644 and 646 respectively if the payee allows the NFC establishment of connection.Being presented at the notification message 644 that sends on the payment information screen 630 can point out to have set up the NFC connection to the payer, and payment information 410 (it can comprise the credit card of for example selecting 602 in Figure 14 E) just is being transferred to payee's equipment 10.Simultaneously, the notification message 646 that is presented on the screen 638 of payee's equipment 10 can be pointed out to have set up the NFC connection to the payee, and just receives payment information 410 on the NFC of payee's equipment 10 interface 60.

Shown in the step 336 of the method 360 that provides and describe among Figure 11 B, can always represent to provide the step of payment information as top with the action shown in the screen shown in Figure 14 E-14I to the payee.Refer again to Figure 15 B, illustrate in greater detail the step 366 that payment information is provided to the payee.For example, receiving statement of expense information (step 536) afterwards, as with shown in the step 650, on payer's equipment 92, carrying out determining about the payment information whether accepting to receive.As top discussion, this step can be corresponding to the selection to the graphic button on the screen 516 542.

In case accepted payment request information, the payer can further select the payment account therefrom paying or pay the bill with regard to Payment Request in step 652.This step can by usually with shown in Figure 14 E to replacing the selection of credit card 602, or Figure 14 F and Figure 14 G selection to

bank account

612 or 614 shown in is respectively represented.After this,,, can set up NFC by the overlap joint operation and connect as with shown in the step 654 in case selected suitable payment account, thus as discussed above, between payer's equipment 92 and payee's equipment 10, set up NFC in step 654 and connect.Then, connect, the payment account information transmission of the selection in the step 652 can be arrived payee's equipment 10 by the NFC that sets up in step 656.With reference to figure 14I, the transmission of the payment information of step 656 can be corresponding to payment information 410 from the transmission of payer's equipment 92 to payee's equipment 10.

In addition, from payee's angle, the step of setting up NFC connection and reception payment information 410 by overlap joint operation 412 can be corresponding to the step 336 of method 328, and step 336 expression is obtained payment information 410 from payer's equipment 92.Figure 15 A has further described this step, wherein shows step 336 in further detail according to the current transaction that illustrates.With reference to figure 15A, step 336 can comprise and at first adding by overlapping the NFC step of connecting that operation (such as overlap joint operation 412) is set up that it is represented with label 660.After setting up the NFC connection, in step 662, the payee can receive the payment account information (for example, 410) corresponding to the payment account of selecting (for example, step 652).In case payee's equipment 10 receives payment information, as among Figure 15 A with step 338 illustrate, can on payee's equipment 10, carry out the step of selecting to deposit in account.

With reference now to Figure 14 J,, shows the payee to depositing the selection of account in screen 638 and 674 according to an embodiment of the present disclosure.At first,, can upgrade screen 638 so that display notification message 668 in case payee's equipment 10 receives payment information 410 with reference to screen 638.Notification message 668 can comprise the information about the number of the payer's identity and the payment of being asked.Response notification message 668, the payee can accept the payment that is provided by selecting graphic button 670, or replacedly, can select the cancellation payment processes by selecting graphic button 672.If the payee selects to accept payment by selector button 670, the payee can be navigate to screen 674.

Shown in Figure 14 J, screen 674 can show payee's identity information 676 and payer's identity information 678.Payer's identity information 678 can show payer's title and one or more additional identification attribute, such as e-mail address.Describe in detail as top, after completing successfully transaction, payment receipt (such as payment receipt 428) can be sent to the payer's who in payer's identity information 678, points out e-mail address.

Screen 674 can also comprise payout information 680, be deposited in account with what the payment means information of payer's appointment of label 682 expression and the payment of being asked deposited in.Shown in screen 674, the acquiescence that deposits in during the device preference configuration that account can be selected as in the above discussing with reference to figure 8 at first by payee's appointment deposits account 216 in.In addition, screen 674 can comprise graphic button 686, graphic button 688 and graphic button 690, by graphic button 686, the user can start the payment of will be asked and deposit the processing that acquiescence deposits account 216 in, by graphic button 688, the user can select the account that deposits in of replacing, and by graphic button 690, the user can cancel transaction to be finished.

As by selecting shown in the graphic button 686, if selecting to deposit payment in acquiescence, the payee deposits account 216 in, can carry out by mandate and the verification step shown in the decision block 340 of Figure 11 A.Figure 15 A illustrates in greater detail decision logic and the determining step that can carry out in decision block 340.As shown in figure 15, in case the payee has selected to deposit in account in step 338, and such as the processing that has started Transaction Information by the graphic button 686 on the selection screen 674, as with shown in the step 694, the depositing account (for example, 216) in and (for example can be transferred to one or more financial servers of the payment account (for example, 602) that the payer selects and payee's appointment, 100), so that the transaction that checking accounts information and mandate are asked.For example, as discussed above, concrete with reference to figure 12A-12C, according to the Account Type that payee and payer provide, one or more financial servers 100 can comprise bank server, credit card server or its certain combination.

Proceed to step 696 now, can make about selected payment account and deposit whether compatible the determining of account in by financial server.As discussed above, the account that deposits in that payee's appointment may take place may be uncommitted or be configured to accept the situation of the payment of the payment account selected from the payer.An example is provided, if deposit in account be uncommitted reception directly from the bank account of the payment of credit card, payment account and deposit account in may be incompatible.For example, refer again to Figure 14 J, incompatible if financial server 100 is determined selected payment account and deposited account in, can show the screen 700 that shows notification message 702.

Method shown in Figure 15 A can enter determining step 342 then, and wherein the payee has by what select to replace and depositing account in and consult the option of the item of payment again, thereby method is returned step 338.For example, can carry out the negotiation again of the item of payment by the graphic button on the screen 700 of selecting Figure 14 J 704.Replacedly, the payee can consult the selection of payer to different payment accounts again, thereby method is returned step 662.In addition, if select not consult again the item of payment determining step 342 payees, then shown in step 344, the payee can be such as Cancelling Transaction by the graphic button 706 on the selection screen 700.

Return determining step 696, if determine the payment account of payer and payee's appointment and deposit the account compatibility in, about payment account effectively and comprise enough funds so that satisfy determining of the payment of being asked whether then method can enter determining step 698, wherein can be made by one or more financial servers 100.If determine that the payment account of appointment is invalid or do not comprise enough funds so that satisfy the payment of being asked, method can be returned determining step 342, wherein the payee has in step 344 and Cancels Transaction, or consults the option of trading item again such as providing another payment account that comprises enough funds by the people that requests for payment.Should be appreciated that this action can return step 662 with method.Refer again to Figure 14 J, if determine that in step 698 payment account that the payer selects lacks enough funds so that satisfy the payment of being asked, can be on screen 700 display notification message 708.Therefore, screen 700 can comprise graphic button 710, and the user can select graphic button 710, so that the Payment Request screen of discussing in Figure 14 A above returning 484.In addition, as discussed above, the payee also can Cancel Transaction by selecting graphic button 706.

If determine the payment account of appointment and deposit account in to be effective in step 698, and payment account has enough funds, then transaction can be by financial server mandate and processed, wherein can draw the number of appointment in the Payment Request and be deposited into to deposit account in from payment account.For example, discuss with reference to figure 12A as top, in case selected payment credit card (for example, 602) is verified, as square frame 424 expressions, credit card server 382 can send authorization messages to financial server 380, points out that transaction has gone through to carry out.After this, in case it is processed to conclude the business, shown in the step 346 of the method in Figure 11 A 328, the payee can receive payment.In addition, from payer's angle, can make whether processed and determining of completing successfully about transaction in the step 368 of the method 360 of Figure 11 B.If determining transaction for any former thereby failure, such as with the reason shown in the notification message 702 and 708 of Figure 14 J, does not draw payer's account in step 370.

Similarly, as discussed above if determine that transaction is successfully handled, can draw the number of appointment the Payment Request from payer's account in step 372.For example, refer again to Figure 14 J, after completing successfully transaction, can be on payee's equipment 10 display screen 712.Screen 712 can comprise notification message 714, and the payout 680 of notifying the payee to ask has been deposited in the selected account 216 that deposits in.Notification message 714 can also be pointed out to send or transmission is used for the payment receipt (for example, 428) of current transaction to the payer to the payee.As discussed above, the payment receipt of electronic form can use the e-mail address that provides in payer's identification information 678 on screen 674 to be sent to the payer by Email.Notice Of Transactions screen 712 can also comprise graphic button 716 and 718.Can select graphic button 716, so that initiate transaction subsequently.For example, by selecting graphic button 716, screen 476 is initiated in the above-mentioned transaction that the payee can return among Figure 14 A.In addition, the user can withdraw from transaction application 34 by selecting graphic button 718, thereby for example returns the main screen 29 of payee's equipment 10.

Though technology that is associated with the top transaction of describing based on the embodiment shown in Figure 12 A-C and Figure 14 A-J and screen picture depend on the payee specifically and initiate transaction, such as (for example sending Payment Request by slave unit 10,384), yet be to be understood that, in other embodiment, the payer also can initiate transaction.For example proceed to Figure 16 A and 16B now, these figure show respectively the method from payer and payee's angle jointly, and wherein transaction can be initiated by the payer, and is used the technical finesse of top general discussion subsequently by the payee.

At first, show from payer's angle and initiate transaction method 730 with reference to figure 16A.Method 730 begins with the selection to method of payment of step 732.As mentioned above, can comprise one or more payment accounts from the equipment of being stored in (such as payer's equipment 92) the selection of method of payment and select payment account.In case selected payment account, shown in step 734, can be transmitted or send to the payee corresponding to the payment information of selected payment account.As discussed above, can be by at payer's equipment 92 with belong to the transmission of the communication port generation payment information of setting up between payee's the equipment (such as equipment 10).In the above among the embodiment of Tao Luning, this communication port can comprise that NFC connects, but also can comprise by other available on payee's equipment 10 and payer's equipment 92 communication interface, such as, among Fig. 3 with the interface shown in the communication interface 56 (for example, WAN, LAN, WLAN, PAN etc.), the added communications passage of foundation.Then, at determining step 736, make about determining that whether transaction of being initiated by the payer is completed successfully.For example, as discussed above, the completing successfully of transaction can cause depositing the payment that deposits the payment account that comfortable step 732 selects in the account in payee selected.If determine that transaction is not completed successfully, then shown in step 738, payer's payment account do not drawn.

Return step 736, if determined to complete successfully the transaction that the payer initiates, then method can enter step 740, wherein as discussed above, from the payment account of payer's selection, draw can appointment in the payment information that step 734 sends number.At last, after step 740 couple payer's account was drawn, shown in step 742, the payer can receive the receipt from the payee, and this receipt can be used as the affirmation that payment that the payer sends has been received.As discussed above, in certain embodiments, receipt can be an electronic form, and is received by e-mail address by the payer.

With reference now to Figure 16 B,, show the transaction that response is initiated by the payer in the method 730 of Figure 16 A, and with this transaction method of aftertreatment, with label 746 overall these methods of indication.Method 746 can be in step 748 beginning, and wherein the payee receives payment information.As an example, the payee can be corresponding to the payment information of payer in step 734 transmission of method 730 at the payment information of step 748 reception.This payment information can comprise the payment account of for example selecting about the payer, payer's identity and the information of the payout that the payer sends.For example, payment information can use the equipment such as the said equipment 10, and use NFC connects and is received.

After this, in step 750, the payee can selective reception to payment to be deposited in deposit account in.For example, the payee can one or more the depositing on being stored in payee's equipment 10 select to deposit in account the account.In case selected the suitable account that deposits in, the payee can handle by starting account verification to one or more financial server transmission accounts informations, information can comprise the payment account information that sent by the payer and deposit accounts information in what step 750 was selected the account, described financial server is configured to verify these accounts, and authorizes and pay to the selected account that deposits in from payment account.In Figure 16 B, handle with determining step 752 this account verification of expression and payment authorization, wherein determine the payment account of appointment in current transaction and whether deposit account in effective, and whether payment account is authorized to and has enough funds carry out the payment of being asked.If determine to handle transaction in step 752, such as for top one or more reasons of describing according to Figure 14 J, then method 746 can enter determining step 754.

At determining step 754, the payee can have the option of consulting trading item again.As mentioned above, this can comprise the account that deposits in of select replacing, or the people that requests for payment provides one or more in the payment account of replacement.Therefore, if the payee determines to select the account that deposits in of replacing, method can be returned step 750.Replacedly, the people provides the payment account of replacement if payee's selection is requested for payment, and method can be returned step 748, and the payee can receive about for example payment information of the new replacement payment account of selecting thus.In addition, shown in step 756, if the judgement of determining step 754 is not consult trading item again, the payee can also have the option that Cancels Transaction.

Return determining step 752, if determine payment account and deposit the account both in to be verified, and can authorize from payment account to the payment that deposits account in, then the payee can receive the payment that the payer sends in step 758.For example, the payment reception of step 758 can comprise the payout of drawing such as appointment in the payment information that receives in step 748 from the payment account of payer's selection, and after this this number is deposited in the payee selection deposit account in, thereby finish transaction in step 760.In addition, shown in step 762, method 746 can also comprise the transmission receipt, confirms that the payee has received the payment that the payer sends.The transmission of the receipt of step 762 can receive receipt corresponding to the payer of the step 742 of method 730 shown in Figure 16 A.

Proceed to Figure 17 A now, show a plurality of screen pictures according to the transaction of describing with Figure 16 A and 16B, the transaction that these screen pictures show on payer's equipment 92 is initiated.Payer's equipment 92 can comprise the transaction application that is similar to icon 34 expression and the top transaction application of describing with reference to payee's equipment 10.After this transaction application of operation, the trading screen of discussing in Fig. 5 A above 110 can be displayed on payer's equipment 92.From transaction main screen 110, can initiate transaction by selecting graphic button 114.

After having selected graphic button 114, the payer can enter screen 476.As discussed above, screen 476 can display graphics button 478,480 and 482.As shown in the figure, the payer can start the transmission of payment by selecting graphic button 480.After this, the payer can enter screen 770.Screen 770 can comprise that wherein the payer can be by text keyboard 160 input informations with a plurality of the text fields of label 772 overall expressions.For example, shown in screen 770, the payer can import payee's identity 774, send to payee's payout 776, and about paying the concise and to the point description 778 of purpose or character.Screen 770 can also comprise graphic button 780 and 782.In case information 774,776 and 778 is transfused to form fields 772, the user can enter screen 786, so that by selecting graphic button 780 to select suitable method of payment.Replacedly, by selecting graphic button 782, the user has the option that Cancels Transaction and therefore do not send payment.

Shown in screen 786, can show about payee's identity 774, the payout 776 that sends and about the information of the description 778 of payment.In addition, screen 786 can also show with the information about payer's identity shown in the label 788.As discussed above, payer's identity information can comprise payer's title and additional identification attribute (such as e-mail address) both.Screen 786 can also show the selection to method of payment.Shown in Figure 17 A, to discuss with reference to figure 14E as top, selected method of payment can be selected as giving tacit consent to method of payment 554 at first.

Screen 786 can also comprise graphic button 790,792 and 794.As discussed above, these buttons can be corresponding to the specific function that can carry out on payer's equipment 92 after selecting these buttons.For example, graphic button 790 can represent that the payer can be used for using acquiescence payment account 554 to initiate the function of transaction as selected method of payment.Graphic button 792 can represent to can be used for the payer is directed to the function of the one or more screens that are used for selecting replacing method of payment (such as top screen 566 descriptions with reference to figure 14E).By selecting graphic button 794, the payer can also have the option of cancellation payment.

In payee's equipment 10 and the payer's equipment 92 each is configurable on it one or more security features.For example, describe with reference to figure 14H as top, before can the transmission of authority to pay, stored authorized PIN code before payer's equipment 92 may need to import.As an example, shown in Figure 17 A, after selecting graphic button 790, the screen of in Figure 14 H, discussing above the payer can enter 620.Screen 620 comprises that the indication user uses numeric keypad interface 164 to import the prompting 622 of authorizing PIN code 624 in the text field 626.In addition, as discussed above, the user can select graphic button 166, so that switch between numeric keypad interface 164 and text entry keys dish interface 162 (Figure 17 A is not shown).For example, can in comprising the embodiment of alphanumeric PIN code of text and numerical character, equipment 92 support realize this feature.

In case imported mandate PIN code 624, the payer can continue so that send the payment information of the input in the screen 786 to the payee.For example, discuss with reference to figure 14I, can connect the transmission of finishing payment information by the NFC that sets up by overlap joint operation 412 between payer's equipment 92 and the payee's equipment 10 as top.Therefore, in case payer's equipment 92 and payee's equipment 10 have been overlapped and have been placed in the distance (for example 2-4cm) of the NFC connection that can support between these equipment, the payment information that is presented at screen 786 can connect the payee's equipment 10 that be transferred to by the NFC that sets up.

Proceed to Figure 17 B now, in case payee's equipment 10 receives payment information, can be on payee's equipment 10 display screen 800.Screen 800 can comprise notification message 802, and it notifies the payee, has received the proposal of payer for payment number of appointment in the screen 770 of Figure 17 A.Screen 800 can also comprise graphic button 804 and 806.By selecting graphic button 804, discuss in Figure 14 J as top, the payee can enter screen 674.Screen 674 can show the information that the payer imports in screen 770, such as payee's identity 774, the payout 776 that sends, and the method for payment of payer's selection---in this example acquiescence payment account 554.Screen 674 can also comprise payer's identification information 788, and it can comprise payer's Email, and if the transaction completed successfully, it can be used for sending receipt to the payer.Screen 674 can also show will to its deposit in this payment current selection deposit account in.As shown here, the account that deposits in of selection is the acquiescence account 216 that disposes in Fig. 8 at first.In order to conclude the business based on these set handlings, the payee can select graphic button 686.As discussed above, can start a processing to the selection of graphic button 686, handle by this, from the payment account 554 that the payer selects, draw number 776, then it is deposited in the selected account 216 that deposits in.This processing can relate to the authentication vs. authorization of 100 pairs of transaction of one or more financial servers, describes in Figure 12 A-C such as top.

Depend on whether the processing to concluding the business is successful, the screen of in Figure 14 J, discussing above can on payee's equipment 10, showing 700 or 712.For example, if conclude the business for one or more reasons failures, can display screen 700.Screen 700 can comprise notification message 708, notifies the reason of payee's Fail Transaction.In addition, screen 700 can provide such as the option that returns screen 484 by graphic button 710 to the payee, and the option by selecting graphic button 706 to Cancel Transaction.If transaction is completed successfully, can be on payee's equipment 10 display screen 712, display notification message 714 is notified the payee to conclude the business and is completed successfully, and the payout 776 of payer's appointment has been deposited in the selected account 216 that deposits in.Notification message 714 can also be notified the payee, has sent receipt to the payer.

Though the transaction that relates to use money instrument (such as credit card and bank account) that the foregoing description all illustrates, but be to be understood that, the technology that proposes in the disclosure is held the account of other type of certain media of exchange applicable to expression, comprise above-mentioned non-currency and noncash account (for example, 126,604).For example, the noncash account can be the account that is associated with the Online Music provider service, such as can be by by Apple's operation and management

Online Digital Media shop/service obtains Account.

Account can be operated based on integration (credits), can be from being used to (for example to buy music file, .mp3 .m4a) and the exchange of online virtual shop or the redeem points based on the internet of the medium of other correlation type (such as blog, music video, talking book, recreation application, film etc.).After buying, these media products can be stored on the equipment 10, such as in long-term storage device 54, so that the user watches later on or listens to.Though with

The integration that account is associated may not have monetary value in real world, but these integrations can be used as at passing through

The non-cash transaction media of the products ﹠ services that service provides.In addition, according to aspect of the present disclosure, can between the account-holder, conclude the business by above-mentioned transaction technology

The integration that account is held.

Before continuing this discussions, should be appreciated that and only describe as an example herein that use provides by Apple

Service, and according to the disclosure, technology described herein is applicable to the noncash account that is provided by a large amount of online suppliers, and wherein the non-cash transaction media (for example, " integration ") can be stored in these accounts, and be used for the product that corresponding online supplier provides or the transaction of service.

With reference now to Figure 18,, referring now to what hold by payee and payer

Account is described the transaction technology shown in Figure 17 A and the 17B.Particularly, Figure 18 shows transaction 808 schematically illustrate, and wherein payment being sent to payee's equipment 10 from payer's equipment 92 at first, and the payment information 810 that wherein sends to the payee is specified and belonged to the payer's

Account is as the payment account of selecting.Payment information 810 it may also be pointed out that the payer wishes to give as the payment transfer payee's number of points or number.In order to incite somebody to action

Accounts information is transferred to payee's equipment 10, can carry out the overlap joint operation 814 between payee's equipment 10 and the payer's equipment 92, connects 812 thereby set up NFC, can connect 812 transmission payment informations 810 by NFC.

After on payee's equipment 10, receiving payment information 810, the payment that the payee can select the payee to wish to deposit in to be pointed out by payment information 810 suitably deposit account in.For example, under situation about illustrating, the account that deposits in of selection can be belong to the payee corresponding

Account.Therefore, payee and payer

Accounts information, and the payout of appointment in payment information 810 (for example, with the form of integration) can be totally by 816 expressions of Transaction Information frame.After this, Transaction Information 816 can be transferred to one or more above-mentioned financial servers 100 by payee's equipment 10, so that further handle transaction 808.

As shown in figure 18, can belong to the corresponding of payer and payee with being configured to keep

Account

Server is represented the one or more financial servers 100 in the present embodiment.As discussed above, particularly with reference to the transaction 378 shown in the figure 12C, when payment account when depositing account in and kept by identical entity or financial institution, can be mandate and the processing and other external server (server that for example, belongs to another entity or the financial institution) communication of transaction.

Can Transaction Information 816 take place by network 820 arrives

The transmission of server 818 can provide network 820 by any suitable network interface available on payee's equipment 10 (such as, the network interface shown in the communication interface frame 56 among Fig. 3).After receiving Transaction Information 816, as label 822 indications, Server 818 can be carried out one or more checking actions, so that verify two

The validity of account, and the checking payer

Whether account has the integration number of the payout that is enough to satisfy appointment in the payment information 810 at least.If determine two

Account all is effectively, and the payer

Account has enough integrations, and then as indicating with label 824, transaction can be processed.After this,

Server 818 can notify the payee to the payee's by network 820 to payee's equipment 10 acknowledge information

Account has deposited payment in.In addition, as with label 826 expressions, after receiving the confirmation, payee's equipment 10 (or

Server 818) can also be configured to payer's equipment 92 transmission receipts, such as the e-mail address transmission electronic receipt that uses the payer, to confirm from the payer's

The number of payment information 810 appointments has been drawn or collected to account, thereby close the trade 808.With reference to figure 19A-19D, can understand above-mentioned transaction 808 better, wherein show a plurality of screen pictures, depict with the transaction 808 shown in Figure 18 A.

At first begin, should be noted that these screens and the top screen of describing with reference to figure 17A are roughly the same with Figure 19 A.For example, from screen 110, the payer can initiate process of exchange by selecting graphic button 114.After this, can display screen 476, and the payer can further select graphic button 480, so that specify by sending payment and directly initiate to conclude the business (for example, need not as the top request of discussing among Figure 12 A-12C, at first waiting for from the payee).After selecting graphic button 480, the payer can enter screen 770, can use text keyboard interface 160 to finish form fields 772 thus.After this, by selecting graphic button 780, the user can further enter screen 786, and screen 786 can show payee's identity information 774, payout 776 and about the concise and to the point description 778 of payment character.In addition, screen 786 can also comprise the identity information 788 about the payer, and shows the method for payment of current selection.As shown here, method of payment can be selected as giving tacit consent to payment account 554 at first.Then, above being different from the selection graphic button 790 described in Figure 17 A so that use acquiescence payment account 554 to start payment, the payer can select graphic button 792 so that select to describe among Figure 18

Account is as selected method of payment.

The reason 778 that should be noted that illustrated current payment can be represented the cash or the currency summation of payer's money obligatio personalis in poor harvest, and can with pass through

One or more services that service provides are relevant.But, current accompanying drawing shows and can how to reach an agreement between payer and payee, so that use non-cash assets (in this example to be

Integration) satisfies debt.

Proceed to Figure 19 B, after selecting graphic button 792, the payer can enter before in the above with reference to the described screen 566 of figure 14E.As discussed above, screen 566 can show a plurality of graphic buttons 570,572,574,576 and 578, and each in them is corresponding to the payment kind that can be selected by the payer.Shown in Figure 19 B, the payer can select graphic button 574 so that enter screen 828.Screen 828 can show all on the current payer's of being stored in equipment 92

The tabulation 604 of account.Correspondingly, the payer can select desirable

Account 830 is as the payment account in the current transaction 808.

Selecting

After the account 830, the payer can return the screen 786 among Figure 19 B, and screen 786 can be updated to reflect selected as method of payment Account 830.After this, the payer can select graphic button 832 so that enter screen 620.As discussed above, payer's equipment 92 can be included in before payer's equipment 92 transmission payment informations needs to provide earlier one or more security features of authorizing PIN code.For example, shown in screen 620, can the claim for payment people in the text field 626, import mandate PIN 624.In case imported mandate PIN code 624 (for example, by numeric keypad interface 164), the payer can authorize by selecting graphic button 628

The transmission of accounts information 830.

Proceed to Figure 19 C now, the screen that herein illustrates has provided and has received After the payment account information 830, can be displayed on the screen picture on payee's equipment 10.As discussed above, can set up NFC by overlap joint operation 814 and connect (as described in Figure 18), carry out the reception of payment information 830.After receiving payment information 830, can be on payee's equipment 10 display notification screen 800.Screen 800 can comprise notification message 802, notifies the payee to receive the payout of indicating with label 776 from payer 788.Screen 800 all right display graphics button 804 and graphic buttons 806, by graphic button 804, the user can continue other step so that finish transaction processing, and by graphic button 806, the user can select to cancel current transaction.

For example, by selecting graphic button 804, describe in Figure 14 J as top, the user can enter screen 674.Screen 674 can show payee's identity 774, payer's identity 788, the payout 776 of being asked and selected method of payment---

Account 830.Should be appreciated that the payout of being asked can be with being stored in the payer's

" integration " expression in the account 830.Shown in the screen 674 of Figure 19 C, deposit account in and can be selected as acquiescence at first and deposit account 216 in.Herein, replace selection graphic button 686 so that deposit payment in acquiescence and deposit account 216 in, the payee can select graphic button 688 so that the account that deposits in of selecting to replace.

After selecting graphic button 688, the payee can be navigate to screen 836, except the function that is provided by screen 836 relates to the selection that deposits account rather than payment account in, and the screen of in Figure 19 B, describing above screen 836 can be similar to 566.Screen 836 can comprise prompting 838, and with graphic button 840,842, depositing in the account class of 844,846 and 848 expressions selected one to the indication payee from following.In order to select compatible account (in this example to be

Account) so that receive the payment that the payer sends, the user can select graphic button 844, thereby makes the user enter screen 850.Screen 850 can comprise all that are stored on payee's equipment 10

The tabulation of account.Correspondingly, the payee can select

Account 852 is as the account that deposits in the current transaction 808.

Selecting

After the account 852, the payee can return screen 674.Shown in Figure 19 D, the screen 674 of renewal can show

Account 852 is as the account of selecting that deposits in.In addition, on the screen 674 that upgrades, can replace graphic button 686 with graphic button 854.After selecting graphic button 854, the processing of transmission Transaction Information 816---as discussed above, Transaction Information 816 can comprise about the payment account of selecting 830 and the information that deposits account 852 in of selection---can be transferred to

Server 818 is so that handle the payment of being initiated by the payer in Figure 19 A and 19B.If transaction is not finished for one or more reasons, can be on payee's equipment 10 display screen 700.The reason that screen 700 can notify the payee why to fail about transaction.For example, in the illustrated embodiment, notification message 708 can be notified payee, the payer's

There are not enough integrations to satisfy payout 776 in the account 830.Replacedly, if completed successfully transaction, can be on payee's equipment 10 display screen 712.Screen 712 can comprise notification message 714, and it notifies the payee from the payer's

The integration of account 830 is deposited in the payee's

Account 852.Notification message 714 can also notify the payee to provide receipt about the transaction of finishing to the payer.

In the another kind of present technique was realized, payout can directly be deposited in

Gift Card.For example,

Server 818 can be kept the number of the account that is associated with Gift Card.After receiving and authorized Transaction Information 816,

Server 818 can will be able to be

The payout of integrated form deposits payee's iTunes Gift Card account in.Therefore, the payee can use this Gift Card to give the payee's

Account increases additional gift integration and/or with the Downloadable media content of accumulated point exchanging that is stored on the Gift Card, such as music file, movie file, talking book, blog etc.

Though described the foregoing description according to transaction processing between two electronic equipments (such as payee's equipment 10 and payer's equipment 92), other realization of the technology of current description can also comprise such transaction: wherein payee's equipment 10 is from usually with the source reception payment information outside the portable or non-mancarried electronic aid of the type of payer's equipment 92 expressions.For example, with reference now to Figure 20, show the synoptic diagram of sentencing the transaction 860 that the smart card shown in the label 862 pays to payee's equipment 10 by this.Smart card 862 can be similar to conventional credit card, but can also comprise memory storage, such as safe storage chip 864.Storage chip 864 can be configured to storage about with the credit card that is printed on the information representation on the smart card 862 or the information (for example, if smart card 862 is debit cards) of bank account.For example, storage chip 864 can comprise the number of the account corresponding to smart card, account holder's title and the due date that is associated with the smart card account and about any other relevant information of payer's smart card account.

In the illustrated embodiment, storage chip 864 can use RF signal for example to connect by the NFC that sets up by magnetic field induction to communicate by letter with external unit (such as payee's equipment 10).As understood by a person skilled in the art, smart card and above-mentioned electronic equipment are (for example, payee's equipment 10, payer's equipment 92) difference can be, though smart card 862 comprises electronic package, that is, storage chip 864, but smart card 862 does not comprise the power supply or the treatment facility that generally can be associated with electronic equipment.But, smart card 862 can rely on that the built-in sensitive device catches can be from payee's equipment 10 such as the RF signal by NFC equipment 46 transmission, and use this RF signal electric power to be provided for the electronic package of storage chip 864 thus, thereby can be with storage data transmission thereon to receiving equipment temporarily.As understood by a person skilled in the art, from the information transmission of smart card can with NFC technology discussed above and other known standard, such as for example, ISO/IEC 14443 conforms to ISO 15693.

As shown in figure 20, can initiate transaction 860 by Payment Request 384.When initiating Payment Request 384, the NFC equipment 46 of payee's equipment 10 can be powered, to activate NFC interface 60 and RF is provided signal.Therefore, can snap into smart card 862 by payee's equipment 10 that will activate and set up NFC connection 388.Detecting after payee's equipment 10 RF signals transmitted, smart card 862 can use a part of induction of signal storage chip 864, so that connect 388 to payee's device transmission information by the NFC that sets up by overlap joint operation 386, such as smart card information with label 866 expressions.In certain embodiments, smart card 862 can be to the RF signal rectification.

Payee's equipment 10 can further be asked the account holder after receiving smart card information 866, the payer provides additional identification information, such as the number that will draw from smart card 862 is provided, and in certain embodiments, provide one or more safety verification actions.As an example, this safety verification action may need the payer that card validation value (CVV) corresponding to smart card 862 is provided.The CVV value can be printed on the smart card 862, but may not or be stored on one's body 864 of the storage chips from storage chip 864 transmission.Therefore, should be appreciated that these additional safety verification processes can prevent the initiation payment of smart card 862 unauthorized ground.

As top general description, outside smart card accounts information, payment account and above-mentioned security information (for example, the CVV sign indicating number), the payee can select suitably to deposit account on payee's equipment 10.After this, this information, it is collectively referred to as Transaction Information and is represented with frame 868, can be transferred to one or more financial servers 100.Particularly, Transaction Information 868 can be transferred to financial server 380 by network 870.Financial server 380 can be corresponding to providing or keep the selected financial institution that deposits account in of payee.Network 870 by its transmission Transaction Information can comprise one of above-described any suitable network, the network that provides such as the communication interface 56 by payee's equipment 10.

After receiving Transaction Information 868, financial server 380 can further be transferred to smart card server 874 by network 876 with this smart card accounts information of sentencing the payer of frame 872 expressions, network 876 can be provided by any suitable network equally, such as LAN, WAN or WLAN.Smart card server 874 can be associated with the credit card provider of keeping corresponding to the account of smart card 862.As with label 878 expression, smart card server 874 can be carried out one or more checkings and/or authorisation process, wherein for example the validity and the abundance of capital of payer's smart card account 872 is verified.In addition, if payer's smart card account 872 is confirmed as effectively and has the payment 384 that enough funds are asked to finish, smart card server 874 can send authorization messages to financial server 380 by network 876.

After receiving authorization messages, financial server 380 can be finished transaction, draws number corresponding to the payment 384 of being asked from payer's smart card account 872 thus, and deposits this number in the account that deposits in that the payee selects.In case completed successfully transaction 860, can send acknowledge message 882 to payee's equipment 10 from financial server 380.In addition, as with shown in the label 882, one of one or more financial servers 100, such as financial server 380 or smart card server 874, the receipt that can have been drawn to payer's acknowledge smart card account 872.In one embodiment, one of one or more financial servers 100 can be to the mail transfer electronic receipt that is associated with smart card account 872.

When being applied to the method 328 that Figure 11 A provides, can further understand the processing of the transaction 860 between payee's equipment 10 and the smart card 862 with reference to figure 21A.Some step when particularly, Figure 21 A shows method 328 and is applied to present embodiment with additional detail.For example, in current embodiment, can comprise,, provide physics or oral Payment Request as with shown in the step 888 to the step 334 of payer's transmission cost inventory.For example, before smart card information 866 was transferred to payee's equipment, payee and payer can reach an agreement mutually at the item of payment.In case reach an agreement at the item of payment, the step of obtaining payment information from the payer can comprise that the NFC that initiates between payee's equipment 10 and the smart card 682 connects, shown in step 890, wherein connect by NFC, the smart card accounts information 866 that is stored on the storage chip 864 can be transferred to payee's equipment 10.For example, as shown in Figure 20, this step can connect 388 corresponding to setting up NFC by overlap joint operation 386 as top.

In case the storage chip 864 from smart card 862 has transmitted smart card accounts information 866, as with shown in the step 892, it can be used NFC to connect 388 by payee's equipment 10 and receive.After receiving smart card accounts information 866, can on payee's equipment 10, select to deposit in account in step 338.After this, at determining step 340, as with shown in the step 894, accounts information can be transferred to one or more financial servers 100 for smart card accounts information 866 and depositing in of selecting so that checking and handling.Checking smart card account 872 can comprise determining step 896 and 898 with the processing that deposits account in.For example, determining step 896 can comprise determine smart card account and selection whether deposit account in compatible.As discussed above, in current context, term " compatibility " refers to deposit in account and whether is configured to receive Credit Card Payments from the smart card account.If determine smart card account and the selected account compatibility that deposits in step 896, method 328 can enter determining step 898, whether the smart card account 872 that wherein further definite payer provides is effective, and whether have enough funds (for example, limited credit) to satisfy the payment 384 of being asked.If determine that the smart card account is effective and have enough funds, then can handle transaction, wherein the payee receives payment in the step 346 of method 328, after this finishes transaction 860 in step 348.

Return determining

step

896 and 898, fulfil the payment of being asked if definite account is incompatible or the smart card account is invalid or lack enough funds, then method can enter determining step 342, and wherein the payee can determine whether to consult again the item of payment.If the payee does not wish to consult again the item of payment, then can Cancel Transaction in step 344.Replacedly, if the payee selects to revise the item of payment, then payee's another smart card that can be subordinated to the payer obtains information, thereby method is returned step 892, or the payee can select the account that deposits in of replacing in step 338.Should be appreciated that and consult the result that the item of payment can depend on the judgement of making in

step

896 and 898 again.In addition, though Figure 21 A is not shown, the item of payment of step 342 consults again to comprise and carries out such transaction that wherein payment information is stored on the electronic equipment (such as top payer's equipment 92 of describing), and is transferred to payee's equipment 10 in Figure 12 A-C.

Continue Figure 21 B now,, described some step of method 360 in more detail from payer's angle according to the top transaction of in Figure 20, describing 860.Particularly, Figure 21 B illustrates in greater detail the step 364 of reception from payee's Payment Request, and the step 366 that payment information is provided to the payee.As with shown in the step 900, the step 364 that receives Payment Request can comprise the Payment Request that receives physics.As discussed above, the request of physics can comprise between payee and the payer about using the mutual agreement of the project that smart card 862 pays.After this, if the item of payment is gratifying, the payer can accept these projects in step 902.In step 904, the payer can be placed on smart card 862 in the scope of payee's equipment that can comprise NFC equipment 46.Therefore, when thereby payee's equipment powers up for NFC equipment 46 to enter aggressive mode, be stored in the information on the storage chip 864, it can comprise smart card accounts information 866, can be connected 388 by the NFC that set up by overlap joint operation 386 and be transferred to payee's equipment 10 from smart card 862.After this, method 360 can enter determining step 368, and in Figure 11 B all the other steps of complete this method that illustrates.

Proceed to Figure 22 A-C now, show a plurality of screen pictures, the operation when depicting payee's equipment 10 and carrying out the described transaction of Figure 20.At first with reference to figure 22A, the processing of initiating transaction can be from selecting to be presented at the graphic button 114 on the screen 110.As discussed above, screen 110 can be represented the main screen (for example, with 34 expressions of the icon on the main screen 29 of payee's equipment 10) of transaction application.By selecting graphic button 114, describe in Figure 14 A as top, the payee can enter screen 476, and it can display graphics button 478,480 and 482.In order to initiate Payment Request, the user can select graphic button 478, thereby the user enters screen 484.Discuss in Figure 14 A as top, screen 484 can show a plurality of graphic buttons 486,488 and 490, and they represent that respectively payee's equipment 10 is used to initiate the different technologies and the function of Payment Request.For example, according to the top transaction of describing in Figure 12 A-C, aforesaid graphic button 486 can represent to ask the function paid.Herein, replace and select graphic button 486, the payee can select graphic button 488, is directed to the transaction that relates at least one smart card 862 so that point out Payment Request.

After selecting graphic button 488, the payee can enter screen 910.Screen 910 can comprise notification message 912, notification message 912 indication payees, and in order to finish transaction, the owner of smart card 862 (for example, the payer) must carry out at least one safety verification action, provides CVV sign indicating number such as discussed above.Screen 910 can also display graphics button 914 and 916.Graphic button 914 can be represented such function, by this function, can power up the initiation Payment Request by giving NFC equipment 46.In addition, by selecting graphic button 916, the payee also has the option of cancellation Payment Request.After selecting graphic button 914, the NFC equipment 46 of payee's equipment 10 can be powered, thereby activates NFC interface 60.Correspondingly, screen 910 can be updated with display notification message 918, and it notifies user NFC interface current being activated usually, and the indication user snaps into payee's equipment 10 payer's smart card 862.

With reference now to Figure 22 B,, shows the NFC that sets up between payee's equipment 10 and the smart card 862 by the operation of the overlap joint shown in Figure 20 386 and connect.As discussed above, power up for NFC equipment 46 and payee's equipment can be placed main frame or aggressive mode 392.When the equipment 10 of the pattern of having the initiative is placed on the smart card 862 that can be in Passive Mode 390 in can accepting apart from (with distance 514 expressions), can between payee's equipment 10 and smart card 862, sets up NFC and connect 388.Therefore, by magnetic field induction, the storage chip 864 that can store the smart card accounts information can be powered up temporarily, so that connect 388 by the NFC that sets up smart card information is transferred to payee's equipment 10.Return Figure 22 A now, can be in the transmission of smart card accounts information 866 shown in the screen 910 from storage chip 864, screen 910 comprises the notification message 920 of renewal, it points out that to the payee payee's equipment 10 is receiving smart card information usually.

In case smart card accounts information 866 has been transferred to payee's equipment 10, can display screen 924.Screen 924 can show smart card accounts information 866, and it comprises, for example, and account holder's identity 928, number of the account 930 and the due date 932 that is associated with account.Screen 924 can also show the account that deposits in of current selection, describes with reference to figure 8 as top, and it can show that at first acquiescence deposits account 216 in.In addition, the graphic button of describing with reference to figure 14J above screen 924 can comprise 686,688 and 690.By selecting graphic button 686, the payee can enter screen 936, and is as discussed above, and screen 936 can be represented one or more safety verification actions that the payer is required.

Shown in screen 936, the text field 938,940 and 942 is provided, can import desired data by they claim for payment people.For example, can the claim for payment people in the text field 938, import payout.As discussed above, can between payee and payer, reach an agreement mutually in the step 888 of Figure 21 A at payout.Can also the claim for payment people in the text field 940, import the CVV sign indicating number on the smart card.As discussed above, this step can constitute additional safety practice, thereby prevent to initiate, such as not obtaining payer's agreement and obtaining to be stored under the situation of the smart card accounts information 866 on the storage chip 864 from the undelegated payment of smart card 862.Can also be provided at the option of input e-mail address in the text field 942 to the payer.For example, e-mail address can be transferred to one or more financial servers 100, and if conclude the business subsequently and 860 completed successfully, being used to provides electronic receipt to the payer.Shown on the screen 936, the payer can import data discussed above by text keyboard 160 in the text field 938,940 and 942.In addition, as discussed above for the field of needs numeral input, the payer can be by selecting graphic button 162 access number word keyboards 164 (not shown among Figure 22 C).

In case imported information in the text field 938,940 and 942, the payee can start transaction processing by selecting graphic button 944.Replacedly, by selecting graphic button 946, the payee can have the option that Cancels Transaction.After this, if transaction successfully do not handled for one or more reasons, can be on payee's equipment 10 display screen 700.Screen 700 can display notification message 948, and it notifies the payee reason of the Fail Transaction about why.Shown in Figure 22 C, notification message 948 can point out that the CVV sign indicating number that provides is incorrect in the text field 940 of screen 936, and therefore, can not authorize the payment of being asked.If transaction is successfully handled, can be on payee's equipment 10 display screen 712.Discuss in Figure 14 J as top, screen 712 can display notification message 714, and the payment of notification message 714 General Notifications users number of appointment in the text field 938 has been applied to the selected account 216 that deposits in.Notification message 714 can also notify the payee to provide receipt such as the e-mail address by appointment in the text field 942 of screen 936 to the payer.

Proceed to Figure 23 and 24 now, Figure 23 and 24

shows transaction

952 and 970 according to another aspect of the present disclosure respectively.Particularly, discuss with reference to figure 14A as top, the function that provided by the graphic button 490 that is presented on the screen 484 can be provided in transaction 952 and 970.For example, as described in more detail below, the transaction shown in Figure 23 and 24 can depend on the image that the camera 48 that uses on payee's equipment 10 obtains the means of payment (such as payer's magnetic credit card or check).

With reference now to Figure 23,, the image of credit card 94 that can be by obtaining the payer is initiated transaction 952.For example, Payment Request can come from the agreement between payee and the payer, and wherein the payer agrees to use credit card 954 to fulfil the payment of being asked.Therefore, the payee powers up or it is activated for the camera apparatus 48 on payee's equipment, and obtains the image 956 of payer's credit card 954.After receiving image 956, as with shown in the label 958, payee's equipment 10 can be such as described above by using optical character identification (OCR) technology to handle image 956, so that extract the credit card information corresponding to credit card 954.

In case such as the credit card information of having determined by the imaging applications that is applicable to execution OCR processing corresponding to credit card 954, the payee can select the suitable account that deposits in.After this, this can be sentenced label 960 overall credit card information of representing 958 that deposit accounts information, extraction in and additional data (such as the number of ask payment) and be transferred to financial server 380 discussed above by network 416.As discussed above, financial server 380 can be corresponding to keeping the selected banking provider that deposits account in of payee.Financial server 380 can start such as top with reference to the described one or more mandates action of figure 12A, and they can comprise by network 420 this credit card information transmission of sentencing the payer shown in the label 962 to external credit card server 382.Credit card server 382 can be corresponding to the credit card provider of the credit card 962 of keeping the payer.Whether shown in label 964, credit card server 382 can be handled credit card information 962, be the active account with payment that enough limited credits are asked to fulfil so that the credit card that provides is provided.

If credit card server 382 is determined to authorize the number of drawing corresponding to the payment of being asked from the credit card 962 of appointment, then credit card server 382 can be by network 420 to financial server 380 transmission authorization messages.After the mandate that receives from credit card server 382, shown in general with label 966, financial server can be handled transaction 952.As discussed above, the processing of transaction 952 can comprise the number of drawing appointment in the Payment Request from credit card 962, and respective number is deposited or pays in payee's the selected account that deposits in.952 have finished in case conclude the business, can be by network 416 to payee's equipment 10 acknowledge message.In addition, if known or payer's e-mail address is provided, could also be to the electronic receipt of payer's acknowledge payment.

The above-mentioned transaction technology of image 956 about the credit card 954 that obtains the expression payer also can be applicable to the means of payment of other type, such as the check corresponding to the checking account of being held by the payer.For example, proceed to Figure 24, show transaction 970, wherein use camera apparatus 48 that the image 974 of the check 972 that provides by the payer is provided, thereby obtain payment information in response to Payment Request.In case receive image 974 by payee's equipment 10, as mentioned above, can handle cheque image 974, so that extract customizing messages, such as payer's title or identity, corresponding to the code name of payer's banking provider, corresponding to the number of the account of payer's bank account and corresponding to the identification number of payer's check 972 from cheque image 974.In case extracted information discussed above from cheque image 974, what the payee can select to be used to receive the payment of being asked suitably deposits account in.After this, as discussed above, this sentences the information from cheque image 974 extractions of label 980 overall expressions, the number of the selected payment that deposits account in and asked can be transferred to financial server 380 by network 416.

Financial server 380 can start one or more mandate action discussed above, it can comprise by network 420 hitherward with the check information of the check verification service transmission payer shown in the label 984, such as the check information of extracting in image processing step 976.Should be appreciated that the check verification service can carry out one or more about in the various functions of the confirmation of check or checking.For example, the check verification service can be by providing this service based on the service of subscribing to banking provider, supplier and retailer, can use phone or this service of one or more accesss to netwoks by top general description.In some cases, can release or provide check verification service described herein by banking provider oneself.Usually, the check verification service such as check verification service 984, can be carried out some functions, and they can comprise the identity of verifying the payer, and whether definite payer the history of the kite bill of providing (bounced check) is provided.Based on these records, thereby the payment whether check information 982 that provides can be verified and be authorized to be asked to satisfy can be provided in check verification service 984.This sentences label 986 expression checkings and handles.

If check verification service 984 determines to use check information 982 to carry out the payment of being asked, check verification service 984 can be transferred to financial server 380 with authorization messages by network 420.After receiving authorization messages, as with shown in the label 988, financial server 380 can be handled this transaction, thereby draws the number of payment of asking from the bank account corresponding to payer's check 972, and further the number of drawing is deposited in payee's the account that deposits in thus.In case transaction is finished, and so sentences shown in the label 990, can be by network 416 from financial server 380 to payee's equipment 10 acknowledge message.In addition, if the payer provides e-mail address, as mentioned above, can be to payer's transmission electronic receipt.

The transaction 952 of Figure 23 and 24 shown in respectively and each step of 970 can correspond respectively to one or more steps of describing in the

method

328 and 360 of Figure 11 A and 11B.For example, obtaining of image 956 and image 974 can be corresponding to the step 336 of obtaining payment information from the payer.In addition, accept Payment Request and provide the action of credit card 954 or check 972 to provide the step 366 of payment information to the payee corresponding to what method 360 provided.With reference now to Figure 25 A and 25B,,, provide the step of emphasizing above 336 and 366 in more detail according to the current embodiment that illustrates.

With reference to figure 25A, to payer transmission or provide the step 334 of the statement of expense (it can represent Payment Request) can comprise the step 888 of the Payment Request that physics is provided.For example, discuss with reference to figure 21A as top, step 888 can be included in the payer provides credit card 954 or check 972 so that carry out before the Image Acquisition, reaches the mutual agreement about the item of payment between payee and payer.Then, when carrying out according to the current embodiment that illustrates, the step 336 of method 328 can comprise step 994 and 996.Shown in current accompanying drawing, step 994 can be corresponding to starting camera apparatus 48 so that obtain the step of image.

Then,, can use the camera apparatus 48 of startup to obtain image, and can reflect that credit card shown in Figure 23 958, check 972 shown in Figure 24 maybe can extract the image of the means of payment of any other type of payment information from its image in step 996.In case obtained image in step 776,, can from the image that obtains, extract payment information as with shown in the step 998.After this, the payee can select the suitable account that deposits in step 338, and proceeds to the determining step 340 of the transaction that mandate asks.Shown in current accompanying drawing, when being performed, to discuss with reference to figure 21A as top according to the current embodiment that illustrates, determining step 340 can comprise step 694,696 and 698.Therefore, should be appreciated that can Reference Transactions 952 and the 970 Trading Authorization step 1 of carrying out as can be identical substantially with the authorisation step described among the embodiment that discusses in the above.

With reference now to Figure 25 B,, illustrate in greater detail angle from the payer, when carrying out according to the current embodiment that illustrates, the step 364 of method 360 and 366.For example, as representing that with label 364 reception can comprise the step 900 of the Payment Request that receives physics from the step of payee's Payment Request.As discussed above, the request of physics can be included between payee and the payer about with credit card 954 still being the mutual agreement that check 972 project of paying is reached.Then, as with label 366 expressions, provide the step of payment information can comprise step 902,999 and 1000 to the payee.For example, as discussed above, if reach an agreement at the project of ask payment, the payer can accept Payment Request in step 902.After this, the payer can select method of payment in step 999, and it can comprise the means of payment that are fit to of credit card 954, check 972 or any other type.In case selected desirable method of payment, the payer can offer payee's equipment 10 with selected method of payment so that carry out Image Acquisition with camera 48.

With reference now to Figure 26 A-26D and Figure 27 A-27G, explain the transaction that generally illustrates with Figure 23 and 24 in more detail, Figure 26 A-26D and Figure 27 A-27G can illustrate various screen pictures, and these screen pictures have provided and have been used to operate payee's equipment 10 so that as the such technology of carrying out

transaction

952 or 970 of Figure 23 and 24 shown in respectively.Particularly, the screen picture shown in Figure 26 A-26D can illustrate corresponding to the obtaining of the image of the credit card 954 of Figure 23, and the subsequent treatment of using the image that obtains that transaction is carried out.Figure 27 A-27G can usually provide corresponding to the obtaining of the image of the check 972 of Figure 24, and from the angle of payee's equipment 10 to concluding the business 970 subsequent treatment.

With reference now to Figure 26 A,, the initiation of the transaction of describing in Figure 23 952 can comprise navigation in screen 110,476 and 484 previously discussed.For example, with screen 110 beginnings, the payee can navigate to screen 476 by selecting graphic button 114.Then, the payee can further navigate to screen 484 by select graphic button 478 from screen 476.Screen 484 can comprise above-mentioned graphic button 486,488 and 490.The various functions that are used to initiate Payment Request as discussed above, that each in these graphic buttons can indication equipment 10 provides.For example, graphic button 486 can represent to initiate according to top technology with reference to figure 12A-12C description the function of Payment Request.Graphic button 488 can represent to initiate according to top technology with reference to Figure 20 description the function of Payment Request.Herein, by selecting graphic button 490, the payee can initiate transaction with reference to Figure 23 and 24 technology of describing according to top.After selecting graphic button 490, the payee can enter screen 1002, and screen 1002 can provide with being used to shown in graphic button 1004 and 1006 to the payee and use above-mentioned image recognition technology to obtain one or more options of payment information.As shown here, graphic button 1004 can represent that the payee can be used for obtaining the function of the image of credit or debit card, such as shown in the transaction 952.In addition, graphic button 1006 can be corresponding to the function of the image that obtains check (such as check 972), and will describe in more detail with reference to figure 27A-27G below.

After selecting graphic button 1004, can power up for the camera apparatus 48 of payee's equipment 10 and start for the Image Acquisition purpose.In addition, the payee can enter screen 1008, and shown in Figure 26 A, screen 1008 can be used as the view finder with label 1009 expressions, and it shows camera 48 detected images in real time.View finder 1009 can comprise and obtain frame 1010 that it can be used for providing the means that the image that obtains is placed in the middle to the payee.As discussed above, in case reach an agreement with regard to the project of Payment Request, the payer can provide credit card (for example, 954) so that obtain image with camera apparatus 48 to payee's equipment 10.For example, shown in current accompanying drawing, the payee can be placed as payee's equipment 10 and make that credit card 954 is aimed at image capture block 1010 when when camera apparatus 48 is seen.In case credit card 954 is aligned, the payee can obtain the image of credit card 1018 by selecting graphic button 1014.In addition, by selecting graphic button 1016, the payee can have the option of cancellation image acquisition process.

In case obtained the image of credit card 952, screen 1008 can upgrade, sentence the image that obtains of label 1018 indications so that show this.Therefore, the payee can check the image 1018 that obtains, and whether reaches the required standard of effective Flame Image Process substantially so that determine the quality of the image that obtains.For example, the payee can determine whether the image 1018 that obtains is correctly aimed at obtaining frame 1010, and whether image 1018 is correctly focused on, or whether image 1018 is to obtain under enough lighting conditions.If the payee determines that the image 1018 that obtains is applicable to Flame Image Process so that extract payment information from blocking 954, the user can handle by selecting graphic button 1020 to start the credit card information extraction.If the payee determines the image 1018 that obtains and does not have the enough quality that are used for Flame Image Process that the payee can select graphic button 1022 so that return the successive image that view finder 1009 obtains credit card 954.

Now can be with reference to the processing of figure 26B brief explanation credit card image 1018.As discussed above, can utilize one or more optical character recognition to the treatment of picture that the camera apparatus 48 with payee's equipment 10 obtains, so that from the image that obtains, extract text data.In addition, in certain embodiments, image recognition technology can also be provided in the image that obtains that obtains the identification to specific image or picture.For example, this Flame Image Process is used can provide the brand mark that for example can identify corresponding credit card provider or provider of bank or the identification of symbol.

Shown in Figure 26 B, according to the embodiment of current description, image recognition is used can analysis image 1018, so that determine one or more region-of-interests.For example, based on the analysis to image 1018, Flame Image Process is used and

zone

1030,1032,1034 and 1036 can be identified as the region-of-interest that may comprise about the accounts information of credit card 954.For example, zone 1030 can be corresponding to the identity of credit card provider.Zone 1032 can provide the credit card account that is associated with selected credit card 954.In addition, zone 1034 can be corresponding to the due date that is associated with the credit card 954 that provides, and zone 1036 can be corresponding to payer and/or credit card 954 possessors' identity.

Should be appreciated that the accuracy of Flame Image Process and identification application generally can depend on the quality of just processed image (such as image 1018).Shown in Figure 26 B, label 1038 can the possible impaired or incomplete part of presentation video 1018 in zone 1032.For example, this may be because the pseudomorphism in the result images 1018 that use camera apparatus 48 obtains as shown in Figure 26 A, maybe may be because 954 physical damage or defectives on one's body of physics credit card.For example, by ordinary wear and tear, the one or more numerals or the character that are printed on the credit card 954 may partially or completely blur or distortion.As an example, in the number of the account zone 1032 of the image 1018 that obtains, the character of representing with label 1038 that may represent numeral " 8 " at first may look it is distortion.Because these distortions, image recognition is used may not be identified as character 1038 numeral " 8 ".As following detailed explanation, present technique is provided at the ability of submission Transaction Information for the payment information of inspection before mandate and the processing and correction extraction can for payee (or payer).

Proceed to Figure 26 C now, in case finished the image processing step of describing among Figure 26 B, can be on payee's equipment 10 display screen 1042.As shown here, screen 1042 can show the information of extracting from credit card image 1018.For example, as discussed above, screen 1042 can show the identity 1030 of credit card provider, credit card account 1032, the due date 1034 that is associated with payer's credit card and payer's identity 1036.In addition, screen 1042 can display

graphics button

1044,1046 and 1048, and each in them is corresponding to the specific function that can carry out on equipment 10.

Concrete with reference to the credit card account of extracting from image 1,018 1032, should be noted that because the character 1038 of distortion, when be printed on actual account number on the credit card 952 relatively the time, the number of the account 1032 of the extraction of current demonstration is incorrect.Therefore, the payee can be by selecting the credit card information of the shown extraction of graphic button 1044 editors.After selecting graphic button 1044, the user can access screen 1043, and screen 1043 can show drop-down selection field 1050, and the

text field

1052,1054 and 1056.These fields can be filled with the

credit card information

1030,1032,1034 and 1036 of the corresponding extraction in the previous screen 1042 at first, and if desired, can be used the text keyboard 160 of demonstration or numeric keypad 164 to select separately and editor by payee or payer.

For example, as shown in this embodiment, the payee can use numeric keypad 164 to edit the credit card information that is presented in the text field 1054, so that proofread and correct because the mistake that the distortion character 1038 in the credit card image 1018 that obtains causes.Therefore, be correct now if the payee confirms the credit card information of editing, the payee can select graphic button 1058 to return screen 1042, and in screen 1042, credit card account 1032 can be upgraded the correction of carrying out with the reflection payee on screen 1043.After this, the payee can handle by selecting graphic button 1046 continuous business, thereby navigates to the screen 1060 of Figure 26 D.

Shown in screen 1060, the credit card information (described in Figure 26 C) that extracts from image 1018 and edited by the payee afterwards is shown and represents prevailingly with label 1062.In addition, screen 1060 can show and deposit account in that as discussed above in the present embodiment, depositing account in can be that acquiescence deposits account 216 in.Screen 1060 all right display graphics buttons 686,688 and 690, the function that the screen 674 that provided with reference to figure 14J before they can be represented is described.Therefore, deposit payment in based on the card information 1062 that extracts the processing that deposits account in order to start, the payee can select graphic button 686, so that navigate to screen 1066.

Be appreciated that screen 1066 can be provided in the additional security measure that must solve such as before financial server 100 transmission Transaction Informations in essence.For example, in the illustrated embodiment, screen 1066 can comprise the

text field

1068,1070 and 1072 and graphic button 1074 and 1076.Therefore, screen 1066 may need the payer to provide required information to

field

1068,1070 and 1072 before the processing that starts current transaction.For example, field 1068 can be used for importing the payout corresponding to the payment of being asked.Field 1070 may need the payer that corresponding to credit card 952 CVV number is provided.Generation as discussed above, as to use these additional authorization measures can help prevent unauthorized to draw, the unauthorized of initiating such as obtaining based on the unauthorized of credit card image is drawn.

In addition, can in the text field 1072, provide the e-mail address that belongs to the payer.As discussed above, in case finish transaction, can use the Email that provides to transmit receipt or affirmation to the payer.As discussed above, can finish in the

text field

1068,1070 and 1072 by text keyboard interface 160 or numeric keypad interface 164 (not shown among Figure 26 D) and import data.In case imported the required information of the

text field

1068,1070 and 1072, can start transaction authorisation processes by selecting graphic button 1074.In addition, by selecting graphic button 1076, payer or payee can have the option of the current transaction of cancellation.If transaction is authorized to and is successfully handled, can be on payee's equipment 10 display screen 712.As discussed above, screen 712 can display notification message 714, deposit account 216 in to what the payee pointed out that the payout of being asked deposited in appointment, and such as providing receipt by the e-mail address that in the text field 1072 of screen 1066, provides to the payer.

Proceed to Figure 27 A-27G now, explain according to top with reference to the described transaction 970 of Figure 24, the one or more technology that are used to operate payee's equipment 10 by a plurality of screen pictures.Shown in Figure 27 A, be used to obtain cheque image (such as, corresponding to the image of check 972) the startup of camera apparatus 48 may need navigation in the screen 110,476 and 484 that the payee discusses in the above.For example, with screen 110 beginnings, the user can select graphic button 114 so that enter screen 476.At screen 476, the user can further navigate to screen 484 by selecting graphic button 478.From screen 484, discuss in Figure 26 A as top, the user can select graphic button 490 to navigate to screen 1002.At screen 1002, replace and select graphic button 1004 so that the credit card treatment of picture is obtained in startup, the user can replace and select graphic button 1006 so that begin to obtain the processing of cheque image.

Shown in Figure 27 A, the payee can be navigate to screen 1080 to the selection of graphic button 1006.Screen 1080 can display graphics button 1082 and 1084.In these graphic buttons each is corresponding to a kind of relevant art of handling the cheque image that obtains according to the technology of current description.Particularly, graphic button 1082 can be represented the function of processes complete cheque image.Should be appreciated that in order to start the processing of complete cheque image, must at first obtain the image of whole check.Be explained in more detail as following, under having pointed out payout on the check that the payer provides and having been signed situation by the payer, can select to use complete cheque image processing capacity with graphic button 1082 expressions to the payee.Therefore, in order to extract the information of the payout of on check, pointing out about the payer, may need the cheque image of processes complete.

For example, with reference now to Figure 27 B, after selecting graphic button 1082, can be on payee's equipment display screen 1086, and as discussed above, can start camera apparatus 48 so that carry out Image Acquisition.As shown in screen 1086, can show the view finder 1009 that is associated with camera apparatus 48.View finder can comprise and obtains frame 1010.Therefore, the payee payee's equipment 10 can be placed as make whole check 972 with obtain frame 1010 and aim at.In case check 972 is aimed at obtaining frame 1010, the payee can select graphic button 1090 to obtain image to use camera 48.In addition, graphic button 1092 parts on the screen 1086 can allow the payee to cancel image acquisition process when needed.

In case obtained the image of check 972, the image of representing with label 1096 that obtains can be displayed on the screen 1086.As discussed above, the payee can assess the image 1086 that obtains, and is so that determine whether image is suitable for Flame Image Process and uses, as discussed above such.If the payee determines that the image 1096 that obtains does not meet Flame Image Process and uses required one or more quality standards, as discussed above, the payee can select graphic button 1100 to return view finder 1009 and to obtain successive image.If the payee determines that the image 1096 that obtains is suitable for being used processing by image recognition, the user can be by selecting graphic button 1098 beginning image processing steps.

Can further explain the processing of cheque image 1096 with reference to figure 27C.As shown in the figure, Flame Image Process is used and can be handled the image 1096 that obtains so that determine various region-of-interests, such as the zone with label 1104,1106,1108 and 1110 expressions.The processing of describing according to the processing of the credit card image 1018 among Figure 26 B above this processing can be similar to.In addition, Flame Image Process is used and can also be specified zone 1112 as region-of-interest, the payout that zone 1112 can be write on check 972 corresponding to the payer.Shown in Figure 27 C, zone 1104 can be corresponding to payer's identity, and zone 1106 can be corresponding to the code name that is used to identify the banking provider that is associated with payer's Bank Account Number, and payer's Bank Account Number can be indicated in the zone 1108.In addition, Flame Image Process is used and can also be specified zone 1110 corresponding to the check number that is associated with the check 972 that provides.Therefore, explain that discerned these zones in case Flame Image Process is used, the information that is included in the zone 1104,1106,1108,1110 and 1112 can be extracted, and is presented on the screen 1116 shown in Figure 27 D as top.

Shown in screen 1116, except the check information of extracting from image 1096, screen 1116 all right display graphics buttons 1118, and top

graphic button

1046 and 1048 with reference to figure 26C description.After this, if determine that any part of information is incorrect, in the mode of the editing and processing described with reference to figure 26C above being similar to, the user can select graphic button 1118 to edit from the information of cheque image 1096 extractions.If determine that the information of extracting is correct, shown in Figure 27 D, the user can select graphic button 1046 so that access screen 1124.

Shown in screen 1124, the information of extracting from cheque image such as the information with label 1104,1106,1108,1110 and 1112 expressions, is shown and totally represents with label 1126.Screen 1124 can also show and deposit the account part in that as discussed above, its acquiescence that can be selected as the payee at first deposits account 216 in.In addition, discuss with reference to the screen among the figure 14J 674 as top, screen 124 can also display graphics buttons 686,688 and 690.Therefore, in order to start the Trading Authorization step of extracting or drawing payout 1112 from the payment account of representing with check information 1126, the payee can select graphic button 686.It should be noted that, in the current embodiment that illustrates, because the check 972 that offers the payee is in the present embodiment clearly filled in to the payee, thereby shows that the payer had consent tacitlyed to this Payment Request in the past, the safety practice that provides with reference to the screen 1066 of figure 26D above therefore may not needing.After this, if transaction such as being authorized by one or more financial servers 100 and successfully handle, can be on payee's equipment 10 display screen 712.As discussed above, screen 712 can comprise notification message 714, points out that the payout of asking has been deposited in the selected account 216 that deposits in.

Concise and to the point once more with reference to figure 27A, and particularly with reference to screen 1080, the additional function that provides on payee's equipment 10 can be provided graphic button 1084, the wherein transaction 970 that can in Figure 24, describe above initiating by the parts of images (for example, being different from the acquisition entire image) that only obtains check.Be explained in more detail as following, the check that can provide the payer is that the function that provides with graphic button 1084 is provided under the situation of blank check, only could initiate to conclude the business 970 afterwards receiving certain additional mandate (for example, providing bank account PIN number) from the payer thus.

Proceed to Figure 27 E now, after selecting graphic button 1084, screen 1080 can upgrade with display notification message 1132 and graphic button 1134 and 1136.Notification message 1132 generally can notify the current transaction of payee may also need the payer to provide bank account PIN number.Divide the check image in order to continue acquisition unit, the payee can select graphic button 1134.In addition, by selecting graphic button 1136, the payee can have the cancellation cheque image and obtain the option of processing.After selecting graphic button 1134, the user can be navigate to screen 1086 discussed above, and it can comprise the view finder 1009 that is associated with camera apparatus 48.Shown in screen 1086, view finder 1009 can comprise image capture block 1010.Therefore, the payee can be placed as equipment 10 and make and to be comprised in in the zone that obtains frame 1010 definition by the desired part of the check 972 of imaging.In case correctly aimed at the desired part of check 972, the payee can obtain the image of this part of check 972 by the graphic button 1090 on the selection screen 1086.In addition, by selecting graphic button 1092, the payee can have the option of cancellation image acquisition step.

After selecting graphic button 1090, can obtain the image of the alignment portion of check 972, and it is presented on the screen 1086, shown in label 1140.Herein, in the mode of the screen 1086 described with reference to figure 27B above being similar to, the payee can evaluate image 114, so that definite processing for the Flame Image Process application, whether the quality of the image that obtains is enough.For example, if image 1140 does not satisfy one or more quality standard discussed above, the payee can select graphic button 1100, so that obtain the successive image of check 972 again.Be suitable for the processing that Flame Image Process is used if determine the image 1140 that obtains, the payee can handle by selecting graphic button 1098 to start the payment information extraction.For example, with reference now to Figure 27 F,, except part cheque image 1140 do not comprise with the payer the payout of printing on the check 972 corresponding regional 1112, above the processing of part cheque image 1140 generally can be similar to reference to the processing of the described complete cheque image 1096 of figure 27C.Therefore, in the present embodiment, Flame Image Process use can processing section cheque image 1140 with the identity 1104 of only extracting the payer, the corresponding code name 1106 of banking provider, payer's Bank Account Number 1108 and check number 1110 with the payer.

In case Flame Image Process is used and handled part cheque image 1140, the payee can enter the screen 1116 shown in Figure 27 G.Shown in screen 1116, the check information that can show extraction, the code name 1106 of the banking provider that comprise payer's identity 1004, is associated and Bank Account Number 1108 and the check identification number 1110 that is associated with the check 972 that provides with selected payment account.In addition, screen 1116 can also provide graphic button 1118, and it can be represented and top identical function with reference to figure 27D description, and graphic button 1046 and 1048.Therefore, if the payee determines that the cheque image information of extracting from image 1140 is correct, the payee can enter depositing the selection of account in by selecting graphic button 1046.For example, selection to graphic button 1046 can navigate to the payee screen 1124, screen 1124 can show that this check information of the extractions that provide of the general expression of label 1144 is provided on previous screen 116, and, deposit account in and can be selected as acquiescence at first and deposit account 216 in depositing the selection of account in.In addition, screen 1124 can also comprise graphic button 686,688 and 690, the function that each in them can be described corresponding to top screen 674 with reference to figure 14J.Therefore, mandate and processing (wherein pay the acquiescence that is deposited in the payee and deposit account 216 in) in order to start current transaction can select graphic button 686, thereby the payee enter screen 1148.

The screen of discussing in Figure 26 D above screen 1148 can be similar to 1066 promptly, before can handling transaction, can be finished one or more additional authorisation steps.For example, the screen 1148 that illustrates can comprise the

text field

1150,1152 and 1154.Use keyboard interface 160 or numeric keypad interface 164 (not shown among Figure 27 G), the payer can import the number of request payment in the text field 1150, and imports the text field 1152 in PIN number that is associated with bank account corresponding to the check 972 that provides.Alternatively, if the payer wishes to receive electronic receipt after transaction is finished, such as the form with Email, then the payer can provide effective e-mail address in the text field 1154.Screen 1148 can also comprise graphic button 1156 and 1158.Therefore, in case information needed is imported in the

text field

1150,1152 and 1154, can select graphic button 1156 so that start the mandate and the processing of current transaction.In addition, can Cancel Transaction by selecting graphic button 1158 this moment.

As discussed above, if completed successfully transaction, can be on payee's equipment 10 display screen 712.Screen 712 can comprise notification message 714, its payment of notifying the payee to ask has been deposited in the selected account 216 that deposits in, and has been transferred to the e-mail address that the payer provides about the receipt of current payment in the text field 1154 of screen 1148.Replacedly, if transaction is failed for one or more reasons, display screen 700 on payee's equipment can replace.In current accompanying drawing, screen 700 can comprise notification message 1160, and it can point out, provide in payer's the text field 1152 in previous screen 1148 PIN number be included in intrarecord PIN number that banking provider kept and do not match.Therefore, can indicate payee's claim for payment people to re-enter or examine PIN number that on screen 148, imports.Should be appreciated that notification message 1160 is intended to be depicted as the example what transaction may be failed.In fact, any reason discussed above all may cause transaction can not successfully handle (for example, lacking enough funds etc. on the payment account).

Proceed to all the other accompanying drawings now, show other aspect of the technology of current description.As discussed above, electronic equipment 10 can comprise and is applicable to one or more functions of carrying out the group transaction relate to one or more payers.For example, discuss with reference to Figure 14 A, can from screen 476, select graphic button 482, so that the transaction of execution group as top.With reference now to Figure 28,, illustrate and totally represent according to an aspect of the present disclosure with label 1170, be used for the schematically illustrating of system of execution group transaction.Shown in current accompanying drawing, group transaction 1170 can comprise the main transaction with label 1172 expressions, and with the one or more secondary transaction of label 1174 expressions.

In main transaction 1172, electronic equipment 10 can be used as the initiating equipment of group transaction 1170, and can bear to selling the payer role that method, apparatus 1176 is paid.After this, initiating equipment 10 can be used as the payee, and receives the other payment from the possessor of payer's equipment 92, smart card 862 and magnetic credit card 954.For purposes of this discussion, and in order more clearly to distinguish each the possessor in these means of payment, the possessor of magnetic credit card 954 is called as the credit card funded payment people herein.Similarly, the possessor of smart card 862 is called as the smart card payer herein, and the possessor of payer's equipment---payer's equipment can be the equipment with NFC function according to embodiment discussed above---is called as NFC payer herein.Be explained in more detail as following, the payment of being carried out to promoter's equipment 10 by credit card funded payment people, smart card payer and NFC payer can be the response to the payment of owing the seller.For example, the current transaction that illustrates 1170 can take place in this case: comprised the group statement of expense of the number that each side owes that illustrates at the beginning by a side (for example, the promoter) payment, provided payment by all the other direction initiators afterwards.

As an example, can utilize present technique in such background, each side wherein shown in Figure 28 wishes at the dining room division bill or the statement of expense.In main transaction 1172, promoter's equipment 10 can be used as with respect to the payer who sells method, apparatus 1176, sells method, apparatus 1176 and can be the equipment by the personnel operation that is associated with the restaurant.As discussed above, promoter's equipment with sell method, apparatus 1176 and can set up NFC and be connected 1178, the group statement of expense 1180 can connect 1178 by NFC and be transferred to promoter's equipment 10 from selling method, apparatus 1176.After this, the promoter can select suitable payment account on promoter's equipment, and with reference to as described in the figure 7, it can be an acquiescence payment account 180 as top.In case selected, payment account information 1182 can connect 1178 by NFC and be transferred to and sell method, apparatus 1176.

After receiving payment information 1182,---it can be used as the payee's equipment in the main transaction 1172---can select to deposit in account to sell method, apparatus 1176, as discussed above then, will deposit accounts information, payment account information 1182 in and be transferred to one or more financial servers 100 corresponding to the payout of being asked (this sentences label 1184 and totally represents) of the group statement of expense 1180.Shown in current accompanying drawing, the transmission of Transaction Information 1184 can be by carrying out with the network of label 1186 expressions.Network 1186 can comprise any above-mentioned suitable network, connects such as LAN or wlan network.

In case receive Transaction Information 1184, the transaction of being asked can be handled and authorize to financial server 100, and if transaction be authorized to, payment 1188 can be provided for the seller.For example,, can from the payment account 1182 of promoter's equipment 10 appointments, prop up and be taken at the number of asking in the group statement of expense 1180, and it is deposited in sell the account that deposits in of appointment on the method, apparatus 1176 in case main transaction 1172 is authorized by financial server 100.Therefore, can finish main transaction 1172 this moment, and promoter's equipment 10 can have the option of proceeding secondary transaction 1174.As discussed above, secondary transaction 1174 can comprise the transaction that relates to NFC equipment 92, smart card 862 and magnetic credit card 954.Yet, should be appreciated that in other embodiments secondary transaction 1174 also can comprise the other equipment or the means of payment, and need not be confined to example provided herein.

As shown in figure 28, in case main transaction 1172 has been finished, promoter's equipment 10 can be transferred to NFC payer's equipment 92 with the current statement of expense 1192 by the self-organizing network with label 1194 expressions.At first, the current statement of expense 1192 can be identical with the group statement of expense 1180.Before group transaction member (for example, credit card funded payment people, smart card payer and NFC payer) request payment, the promoter can owe the number assignment group statement of expense 1180 according to each member that concludes the business.As shown below, distribution that can real-time update statement of expense project, and on the current statement of expense 1192, watch, the current statement of expense 1192 can be displayed on NFC payer's equipment 92.In addition, all right current statement of expense 1192 of real-time update is so that the payment that reflection promoter equipment 10 receives.

In case the promoter has distributed the group statement of expense 1180 on promoter's equipment 10, each number owed among credit card funded payment people, smart card payer and the NFC payer can be used as the part statement of expense and is transmitted to these parties concerned.As an example, promoter's equipment can be connected 1196 so that the part statement of expense 1198 is transferred to NFC payer by setting up NFC with NFC payer's equipment 92, begins to receive the processing of payment.Should be appreciated that the part statement of expense 1198 can reflect the part that NFC payer owes the promoter in the group statement of expense 1180.Therefore,, can on NFC payer's equipment 92, select payment account, and after this,, be transferred to promoter's equipment 10 as with shown in the label 1200 according to top technology with respect to the embodiment general description shown in Figure 12 A-12C.

After NFC payer's equipment 92 receives payment information 1200, promoter's equipment 10 can select to deposit in account, and by network 1204 will be collectively referred to as the payment information 1200 of transaction request information 1202 herein, the number that deposits in the accounts information and the part statement of expense 1198 reflection in is transferred to financial server 100.Should be appreciated that as discussed abovely, can provide network 1204 by one or more communication interfaces available on the equipment 10.After this, if financial server 100 is determined can be authorized to by the transaction request of Transaction Information 1202 expressions, then pay 1206 and can be deposited in promoter's equipment 10 selected accounts that deposit in.In addition, as discussed above, can be in the payment that any payer carries out in the pair transaction of real-time update on the current statement of expense 1192 that NFC payer watches.For example, as with shown in the arrow 1208, every payment 1206 that promoter's equipment receives also can be reflected on the current statement of expense 1192.

In case promoter's equipment 10 has received the first stroke payment from NFC payer's equipment 92, promoter's equipment 10 can continue to receive all the other payments from smart card payer and credit card funded payment people.For example, according to top technology with reference to transaction 860 descriptions that provide among Figure 20, promoter's equipment can connect the smart card information 1210 of 1196 receptions corresponding to smart card 862 by NFC by the overlap joint operation.In addition, promoter's equipment 10 can obtain the image 1212 of magnetic credit card 954 according to top technology with reference to transaction 952 descriptions that provide among Figure 23.Therefore, promoter's equipment 10 can be by network 1204 with smart card information 1210 and can be transferred to financial server 100 from the payment information that image 1212 extracts, so that these other pairs transaction are authorized.Therefore, if these transaction are authorized by financial server 100, this respective pay from credit card funded payment people and smart card payer of sentencing numeral 1206 expressions can be deposited in promoter's equipment 10 selected depositing in the account.In addition,, can upgrade the current statement of expense 1192 that NFC payer 92 watches, so that reflection is to the processing from these other payments of credit card funded payment people and smart card payer as with shown in the label 1208.

Proceed to Figure 29 now, show method 1220, method 1220 can illustrate operation promoter equipment 10 so that carry out the technology of the group transaction 1170 of Figure 28 discussion.Shown in step 1222, can conclude the business by promoter's equipment 10 initiation groups.After this, in step 1224, the promoter can receive and the payment group statement of expense, such as the group statement of expense 1180.As discussed above, according to an embodiment, can connect 1178 by NFC and carry out the reception and the payment of 10 pairs of groups of promoter's equipment statement of expense.In case promoter's equipment 10 has been paid the group statement of expense, method 1220 can enter step 1226, the promoter can discern and contact other group transaction member thus, and as discussed above, it can comprise credit card funded payment people, smart card payer and NFC payer.Then, the promoter can give suitable group transaction member with the allocation of items that is listed on the group statement of expense.For example, the promoter can select first statement of expense project in step 1228, and gives suitable group transaction member in the allocation of items that step 1230 will be selected.Shown in follow-up decision block 1232, the promoter can continue allocation process, has correctly been distributed to correct group transaction member up to all statement of expense projects that are listed on the group statement of expense 1180.

After this, the promoter can begin to collect from each group transaction member the processing of payment.For example, the promoter can select first group transaction member in step 1234.Then, in step 1236, can transmit and the corresponding part statement of expense of selecting in step 1234 of member.For example, this part statement of expense can send NFC payer's equipment 92 to by NFC connection 1196 discussed above.In addition, the part statement of expense also can be conveyed to for example credit card funded payment people and smart card payer by oral.After receiving the part statement of expense, corresponding payer can select payment account, and payment account information is offered the promoter.For example, shown in step 1238, the promoter can collect from selected group of transaction member's payment information, then such as handling transaction by transaction request being transferred to financial server 100.As discussed above, if the transaction of request is authorized by financial server 100, can carry out respective pay to the account that deposits in of promoter's appointment.

After this, shown in determining step 1240, promoter's equipment can continue to collect payment, till having received payment from each group transaction member.Therefore, in case received all payments, can finish the group transaction in step 1242.Should be noted that as top shown in Figure 28 step 1222 discussed above and 1224 can conclude the business 1172 corresponding to main, and all the other step 1126-1242 can conclude the business 1174 corresponding to pair.

With reference to figure 30A-30L, can understand above-mentioned group of transaction 1170 better, Figure 30 A-30L shows prevailingly during group transaction 1170, can be displayed on the various screen pictures on promoter's equipment 10 or the NFC payer's equipment 92.For example, at first with reference to figure 30A, can initiate main transaction 1172 at promoter's equipment 10 from screen 110 beginnings.Then, the promoter can select graphic button 114 so that navigate to screen 476, and is as discussed above, and screen 476 can display graphics button 482.Therefore, by selecting graphic button 482, the group trading function that the promoter can access means 10 provides, thus enter screen 1270.Screen 1270 can display

graphics button

1272,1274 and 1276.As discussed above, each in these graphic buttons can be represented specific function.For example, graphic button 1272 can represent that the promoter can be used for the function of initiation group transaction 1170.Similarly, graphic button 1274 can allow the promoter to add existing group of transaction, such as the group transaction of being initiated by another member before.In addition, the promoter can be by selecting the transaction of graphic button 1276 cancellation groups.

Shown in current accompanying drawing, the promoter can be navigate to screen 1278 to the selection of graphic button 1272.Screen 1278 can provide the selection to the variety of option of concluding the business about group.For example, first option can be provided, wherein the promoter can (for example conclude the business as main by the payment group statement of expense (such as the group statement of expense 1180), 1172), after this between other transaction member, distribute this statement of expense, and collect payment as a series of secondary transaction (for example, 1174) each from these transaction members.This can be with the conclude the business situation of 1170 general descriptions of the group among Figure 28.

Shown in screen 1278, another group transaction options can be provided, wherein the promoter can directly divide the statement of expense between one or more other transaction members.Explain this situation in more detail below with reference to Figure 32.Can be illustrated in the option that illustrates on the screen 1278 with

graphic element

1280 and 1282, they can represent the check box icon, and the promoter can select suitable option by them.For example, shown in current accompanying drawing, the promoter can select check box 1280, carries out current transaction with indication according to the top technology of discussing in Figure 28.In case selected option one 280, the promoter can select graphic button 1284 so that begin group transaction 1170.

After selecting graphic button 1284, the user can enter screen 1288, by screen 1288, can begin the discussed above main transaction with label 1172 expressions.For example, screen 1288 can represent that NFC connects 1178 startup.Screen 1288 can also comprise notification message 1290, and is as discussed above, and it can point out that the NFC equipment 46 of promoter's equipment 10 just is being powered to the promoter, thereby activates NFC interface 60.Screen 1288 can also comprise graphic button 1292, and if desired, the promoter can select graphic button 1292 to connect 1178 foundation with cancellation NFC.

Connect after 1178 setting up NFC, promoter's equipment 10 can from set up with it NFC connect 1178 sell the method, apparatus 1176 reception group statements of expense 1180.For example, in case promoter's equipment 10 receives the group statement of expense 1180, just can upgrade screen 1288, shown in Figure 30 B, with display notification message 1296.As shown here, notification message 1296 can notify the promoter to receive the group statement of expense 1180.Therefore, by

graphic button

1298 and 1300, the group statement of expense 1180 that the promoter can accept or reject.In order to accept to organize the statement of expense, the promoter can select graphic button 1298 so that navigate to screen 1304.Screen 1304 can show the number (this sentences label 1310 expressions) that promoter's identity 1306, seller's identity 1308 and the group statement of expense are asked.Explain that as following number 1310 can reflect the subtotal before the interpolation tip number.For example, the seller is that the restaurant and the statement of expense reflect that the situation of restaurant bill can reflect present embodiment.Therefore, also provide

graphic button

1312 and 1314 on the screen 1304, by these graphic buttons, the promoter can select to specify the tip number respectively or watch statement of expense details.

Screen 1308 can also show the payment account of current selection, discusses in Fig. 7 as top, and it can be selected as the acquiescence payment account 180 of promoter's appointment at first.Therefore,

graphic button

1318,1320 and 1322 can be provided, wherein graphic button 1318 expression promoters can be used for using the function of the acquiescence payment account 180 defrayment inventories of current selection, graphic button 1320 expression promoters can be used for selecting the function of the payment account replaced, and graphic button 1322 can allow the promoter to cancel current transaction.

Shown in Figure 30 B, thereby by selecting graphic button 1314 to navigate to screen 1326, the promoter can watch the group statement of expense 180.Screen 1326 can comprise that this generality of sentencing label 1330 expression lists the part of all group statement of expense projects.In addition, can on screen 1326, provide scrollbar functionality 1332, thereby if whole tabulation can not be provided, the promoter can navigate in statement of expense bulleted list 1330 in the display part that provides.Except statement of expense bulleted list 1330, screen 1326 can also be listed any suitable expenses of taxation number 1328.Should be appreciated that can computational costs list item 1330 and expenses of taxation number 1328 sums, so that obtain subtotal 1310 discussed above.Screen 1326 can additionally show tip number 1334, and before the promoter added the tip number, it can be zero at first.Therefore, can add up group statement of expense subtotal 1310 and any tip number 1334 are so that determine the sum 1336 of the group statement of expense.In addition, can also provide

graphic button

1338 and 1340 on screen 1326, wherein graphic button 1338 can provide the function of paying the shown statement of expense based on its current state to the promoter.In addition, if the promoter selects to specify tip number 1334, can select graphic button 1340.

For example, if select graphic button 1340, the promoter can be navigate to screen 1350 so that add and selection tip number.Screen 1350 can the demonstration group statement of expense 1310 current subtotal, and provide the text field 1352 to the promoter, by the text field 1352, the promoter can import desirable tip number.For example, the promoter can select to use numeric keypad 164 input tip numbers, or sentences so that the graphic button of label 1354 expressions provides, and can select precalculated tip number.As shown here, can be with the precalculated tip number of graphic button 1354 expressions corresponding to the certain percentage of current subtotal number 1310.As an example, in current accompanying drawing, the promoter can select the graphic button corresponding to 20% tip of current subtotal 1310.As shown here, after the tip number 1334 that face is discussed, can fill in the text field 1352 in the choice so that reflect this selection.In addition, sum 1336 that can the update group statement of expense 1080 is so that the interpolation of reflection tip number 1334.For example, can calculate current group of statement of expense sum 1336 by the tip number 1334 of add up subtotal 1310 discussed above and current selection.After this, the promoter can select graphic button 1356, so that accept the tip number of selection and the group statement of expense sum 1336 of corresponding renewal, and maybe can be by selecting the current transaction of graphic button 1358 cancellations.Shown in current accompanying drawing, can make the user return screen 1326 to the selection of graphic button 1356, it can be updated so that show the tip number of selecting 1334, and the sum 1336 of the renewal of the group statement of expense.If the satisfied current group of statement of expense sum 1336 of promoter, the promoter can select graphic button 1338, so that proceed to organize the payment of statement of expense number 1336.

With reference to figure 30C, the promoter can be returned screen 1304 to the selection of graphic button 1338, it can be updated so that reflect group statement of expense number 1336 and be updated to the interpolation that comprises from the tip number 1334 of screen 1350 appointments.Therefore, by selecting graphic button 1318, the promoter can initiate to use the payment of the group statement of expense sum 1336 of giving tacit consent to payment account 180.As discussed above, select graphic button 1318 payment account information 1182 to be transferred to and sell method, apparatus 1176 by NFC interface 1178.Therefore, sell method, apparatus 1176 and current transaction request 1184 can be transferred to financial server 100, so that handle and authorize the payment of being asked.

Shown in Figure 30 C, if main transaction 1172 authorized by financial server 100, can be on promoter's equipment 10 display screen 1362.Screen 1362 can display notification message 1364, points out to organize acquiescence payment account 180 payments that the statement of expense 180 has been used selection to the promoter.In addition, screen 1362 can comprise graphic button 1366 and 1368.Graphic button 1368 can represent that the user can be used for the function that finishes or Cancel Transaction.Graphic button 1366 can allow user's assign group statement of expense 1180, thus and the pair of discussing with reference to Figure 28 above initiating transaction 1174.Shown in Figure 30 C, after selecting graphic button 1366, can display screen 1370.Screen 1370 shows the foundation of self-organizing network (such as network 1194).As discussed above, equipment with ability such as NFC payer's equipment 92, can add the self-organizing network of foundation, so that watch the current statement of expense 1192, and the renewal that can during pair is concluded the business each step of carrying out in 1174, carry out the current statement of expense 1192.

Screen 1370 can show promoter's identity 1306, and so sentences label 1372 expression, gives current group of transaction application sign title.As illustrate herein, transaction identifiers 1372 can be identical with the recipient 1308 (" ABC Restaurant (ABC restaurant) ") of the main interior payment of concluding the business shown in Figure 30 A and the 30B.In addition, screen 1370 can comprise graphic button 1376 and 1378.For example, if other transaction member such as credit card funded payment people and smart card payer, is not using the equipment that can be connected to self-organizing network, then graphic button 1378 can allow the promoter to cancel the foundation of self-organizing network.If group transaction 1170 comprises that at least one can add the equipment of self-organizing network, such as the current equipment that illustrates 92, then selecting graphic button 1376 so that before the processing of the beginning assign group statement of expense 180, the promoter can add network by waiting facilities 92.

Can the processing that be connected to self-organizing network 1194 according to the angle of NFC payer's equipment 92 be shown with reference to figure 30D.For example, in order to add the self-organizing network of being set up by promoter's equipment 10, as described in Figure 30, NFC payer can select the graphic button 114 in the screen 110.Should be noted that the screen shown in Figure 30 D can be similar to top one or more screens with reference to 10 discussion of promoter's equipment.Therefore, should be appreciated that also and can provide such as the transaction application of using 34 that on promoter's equipment, provides on payer's equipment 92 in the present embodiment.After selecting graphic button 114, the payer can enter screen 476.For the group trading function that provides on NFC payer's equipment 92 is provided, the payer can select graphic button 482 then, thereby navigates to screen 1270.Herein, by selecting graphic button 1274, the payer can operate NFC payer's equipment and add self-organizing network discussed above.

Shown in Figure 30 D, NFC payer can be navigate to screen 1380 to the selection of graphic button 1274.Screen 1380 can show payer's identity 1382, and shows the tabulation of available self-organizing network, and it can represent ongoing group of transaction.For example, listed the network of setting up and in Figure 30 C, describing by the promoter herein, and with label 1384 expressions.Therefore, the payer can be such as selecting figure 1385 to select the network of listing 1384 by check box, and the network by selecting graphic button 1386 to bring Selection In.In addition, by selecting graphic button 1388, NFC payer can also have the option that refusal adds self-organizing network.Should be appreciated that if select the latter NFC payer still can participation group transaction 1170, the still any real-time update that may not watch the current statement of expense 1192.

In case all equipment with ability have added the self-organizing network 1194 that promoter's equipment 10 is set up, and can begin to organize the distribution of the statement of expense.For example, with reference now to Figure 30 E, the screen of discussing in Figure 30 C 1370 can upgrade, and has added the self-organizing network of setting up so that point out this NFC payer who sentences label 1382 expressions.Therefore, owing to there is not other payer's equipment to participate in current transaction, the promoter can select graphic button 1376 and begin assign group statement of expense project 1330 so that navigate to screen 1400.

Shown in screen 1400, can demonstration group transaction member tabulation.As shown here, tabulation 1402 can only comprise promoter and the current NFC payer who is connected to promoter's equipment 10 by self-organizing network 1194 at first.Screen 1400 can also demonstration group statement of expense bulleted list 1330.As discussed above, if because the screen size restriction, group statement of expense bulleted list 1330 may not wholely show, the scrollbar functionality with figure 1404 expressions can be provided on screen 1400.Then, in order to add all the other transaction members to current group of transaction, the promoter can select graphic button 1406.After selecting graphic button 1406, the promoter can be navigate to screen 1410, and it can videotex field 1412 and graphic button 1414 and text keyboard 160.Therefore, by text keyboard 160, the promoter can import credit card funded payment people's identity in the text field 1412.In case imported credit card funded payment people's identity, by selecting graphic button 1414, the promoter can add the credit card funded payment people to current transaction.Shown in Figure 30 E, selection graphic button 1414 can be so that show pop-up window 1420 on screen 1410.Pop-up window 1420 can notify promoter's credit card funded payment people to be added to current transaction, and can provide graphic button 1422 and 1424 to the promoter.For example, as shown here, can close pop-up window 1420 to the selection of graphic button 1422, and allow the promoter again access screen 1410 so that add other member, such as the smart card payer.Therefore, the promoter can repeat step discussed above, and imports smart card payer's identity in the text field 1412.By selecting graphic button 1414 once more, can on screen 1410, show pop-up window 1426, notify promoter's smart card payer also to be added to current transaction 1170.Therefore, all group transaction members shown in 1174 because present pair of having added Figure 28 is concluded the business, the promoter can return screen 1400 by selecting graphic button 1424.

Proceed to Figure 30 F now, show the distribution of promoter one of group statement of expense project 1330.Shown in current accompanying drawing, screen 1400 can show the member's that concludes the business renewal tabulation 1402, and it can comprise the credit card funded payment people and the smart card payer of the technology interpolation of using Figure 30 E description.Then, the promoter can be such as using finger or other object (such as input pen), by option 1430 on screen 1400 the position and assign group statement of expense project 1430, and keeping with when the display 24 of promoter's equipment 10 contacts, the statement of expense project of selecting 1430 is being moved on the screen 1400 corresponding to suitable transaction member's position.Should be appreciated that this operating in can be called as " drag and drop " operation usually in the graphic user interface environment.In addition, shown in screen 1400, divide the whole group of statement of expense 1080 equably if the promoter is chosen between the transaction member 1402, the promoter can select graphic button 1428.For example, select graphic button 1428 can be between promoter, NFC payer, credit card funded payment people and smart card payer the statement of expense of division group equably sum 1336.In addition, though a kind of realization that the diagram expression of the drag and drop shown in the current accompanying drawing can provide on the equipment according to the technology of current description, should be appreciated that the interfacing that is fit to that in current transaction, can use any kind that is used for assign group statement of expense project 1330.

Proceed to Figure 30 G, can upgrade screen 1400, be assigned to the promoter so that point out statement of expense project 1430.Shown in current accompanying drawing, the distribution of group statement of expense project 1330 can also comprise based on the expense of the statement of expense project 1430 of distributing and the proportional quantities of total expenses inventory number 1336, distributes this to sentence the expenses of taxation and tip number that label 1328 and 1334 is represented respectively automatically.Yet, should be appreciated that the replacement technology that is used to distribute expenses of taxation number 1328 and tip number 1334, comprise the alternative that is used for distributing automatically these numbers, and be used for technology, also in the scope of the present disclosure by these numbers of promoter's manual allocation.Then, the promoter can continue to distribute remaining group statement of expense project 1330.For example, Figure 30 G also illustrates the statement of expense project 1432 in promoter's distribution list 1402, and distributes any other expenses of taxation and tip number automatically according to technology discussed above subsequently.

It will be understood by those of skill in the art that and to be created in the needs that distribute the particular charge list item between two or more transaction members 1402.As an example, may be at each total particular charge list item between the member 1402 of concluding the business.Therefore, can distribute total statement of expense project by selecting graphic button 1436.Selection to graphic button 1436 can navigate to the promoter screen 1438.Screen 1438 generally can demonstration group statement of expense bulleted list 1330, and it may also be pointed out which statement of expense project 1330 has been assigned with, such as statement of expense project 1430 and 1432.Should be appreciated that the statement of

expense project

1430 and 1432 of having distributed on screen 1438, to select.Shown in current accompanying drawing, the promoter can select the statement of expense project 1440 that has so that distribute this project between a plurality of groups of transaction members.For example, with after the list item 1440, can on screen 1438, show pop-up window 1442 at sorting charge.

Pop-up window 1442 can show that current group of transaction member tabulates 1402.As illustrating, can provide the check box figure herein to each group transaction member.Therefore, how the check box figure that the promoter can use corresponding member with each to be associated by selecting suitable group transaction member, specifies cost of distribution list item 1440.In addition, shown in current accompanying drawing, by selecting this check box figure of sentencing label 1444 expressions, the promoter can distribute total statement of expense project 1440 equably between all group transaction members 1402.In case carried out suitable selection, the promoter can select graphic button 1446 to distribute total statement of expense project 1440 with the selection according to reflection in the pop-up window 1442.In addition, the promoter can be by selecting graphic button 1448 these allocation process of cancellation.After selecting graphic button 1446, can be between all group transaction members 1402 cost of distribution list item 1440 equably, and the promoter can return screen 1400.Shown in the group statement of expense bulleted list 1330 on the screen 1400 that upgrades, tabulation that can update cost list item 1440 is assigned with to show this project, as discussed above like that.

Proceed to Figure 30 H now, after distributing total statement of expense project 1440, the promoter can continue to distribute other statement of expense project.For example, show can be corresponding to the statement of expense project 1452 of number that NFC payer owes and 1454 distribution for Figure 30 H.Shown in current accompanying drawing, in case correctly distributed statement of expense project 1452 and 1454, as discussed above, can on screen 1400, upgrade their corresponding tabulations.Should be appreciated that between the allotment period of statement of expense project 1330 promoter can select to be presented at one or more groups of transaction members in the tabulation 1402 to watch the current state of the part statement of expense.For example, by selecting NFC payer, the promoter can watch screen 1456, and it can show the part statement of expense corresponding to number that NFC payer owes.As illustrate herein, screen 1456 can show the part of NFC payer in the total statement of expense project 1440, and other statement of expense project 1452 and 1454.In addition, as discussed above, based on the total expenses of the statement of expense project of distributing, can calculate any suitable expenses of taxation and tip number automatically, so sentence shown in the label 1458.Therefore, by the top project that adds up, the expenses of taxation and tip number, can show that this sentences the sum of the part statement of expense of label 1460 expression.In addition, screen 1456 can also provide graphic button 1462, and the promoter can use graphic button 1462 to remove the project of having distributed from current group of transaction member, such as the wrong project of distributing of possibility quilt.In order to continue to distribute all the other group statement of expense projects 1130, the promoter can select graphic button 1464 so that return screen 1400.

Shown in the screen 1400 that upgrades, in case correctly distributed all group statement of expense projects 1330, discuss as the step 1234-1240 of top method 1220 with reference to figure 29, the promoter can begin to collect from each group transaction member the processing of payment by selecting graphic button 1466.Shown in current accompanying drawing, select graphic button 1466 can be on promoter's equipment display screen 1470.Screen 1470 can the display graphics button, and such as

graphic button

1472,1474 and 1476, each in them can be corresponding to corresponding among the group transaction member 1402.For example, as discussed above, graphic button 1472 can be corresponding to NFC payer, and graphic button 1474 can be corresponding to the credit card funded payment people, and graphic button 1476 can be corresponding to the smart card payer.Should be appreciated that screen 1470 can not comprise the graphic button corresponding to the promoter, because in main transaction 1172 during the payment group statement of expense 1180, the promoter has paid off the appropriate section of promoter in the group statement of expense 1080.

Can be according to one or more transaction technologies discussed above, from paying with each collection all the other the group transaction members shown in graphic button 1472,1474 and 1476.For example, by selecting graphic button 1472, the promoter can enter screen 1480, and it can show a plurality of graphic buttons 1482,1484,1486 and 1488.In these graphic buttons each can be represented can be from the respective sets distinct methods that the member obtains to pay of concluding the business.For example, graphic button 1482 can be represented respectively with the technology shown in the transaction among Figure 12 A, 12B and the 12C 375,376 and 378.In addition, the transaction technology of describing with reference to the transaction of describing among Figure 20 860 above graphic button 1484 can be represented.In addition, graphic button 1486 can be illustrated in and describe in the transaction 952 and 970 and respectively in the function shown in Figure 23 and 24.As shown here, by selecting graphic button 1488, the promoter can also have the option of paying in cash from respective sets transaction member reception.Though do not explain in detail herein, select graphic button 1488 can show the affirmation screen simply, confirm screen by this, in case transfer to the promoter from group transaction member corresponding to paying in cash of part statement of expense number, the promoter can confirm the reception to payment.At last, graphic button 1490 can allow the promoter to cancel current transaction when needed or return screen 1470.

As discussed above, NFC payer can have NFC payer's equipment 92.Therefore, by selecting graphic button 1482, so that (for example connect by between the NFC interface 60 of each

relevant device

10 and 92, setting up NFC, 1196) with exchange about the information of the part statement of expense with can be initiated payment by the respective pay account that NFC payer selects, the promoter can select to obtain payment from NFC payer.For example, shown in current accompanying drawing, select graphic button 1482 can be on promoter's equipment 10 display screen 1494.Screen 1494 can display notification message 1496, and it generally can notify the promoter setting up NFC to connect 1194, and may need the overlap joint operation of NFC payer's equipment 92.Screen 1494 can also comprise graphic button 1498, connects 1196 foundation thereby allow the promoter to cancel NFC when needed.

As shown in figure 28, in case between promoter's equipment 10 and payer's equipment 92, exchanged the part statement of expense 1198 and payment information 1200, can be on promoter's equipment display screen 1500.Screen 1500 can show promoter's identity 1502, NFC payer's identity 1504 and payout, and payout can be corresponding to the part statement of expense number 1460 that illustrates on the screen in Figure 30 H 1456.Screen 1500 can also show the payment account of being selected by NFC payer according to technology discussed above, and shown in Figure 14 E, it can be NFC payer's an acquiescence payment account 554.Screen 1500 can also show the account that deposits in of current selection, and it can be that acquiescence deposits account 216 in.Therefore, as discussed above, in order to accept the payout 1460 that NFC payer provides, the promoter can select graphic button 686, deposits account 216 in so that deposit the payment of being asked in acquiescence.After this, if transaction is completed successfully, can be on promoter's equipment display screen 1510.Screen 1510 can comprise notification message 1512, and it generally can point out to the promoter, and what number that NFC payer owes 1460 had been deposited in the promoter deposits account 2166 in.In addition, notification message 1512 it may also be pointed out that provides affirmation or receipt to NFC payer.After this, the promoter can return screen 1400 by selecting graphic button 1514, so that collect all the other payments from smart card payer and credit card funded payment people, or by selecting graphic button 1516 cancellations or closing the trade.

Proceed to Figure 30 J now,, can upgrade the tabulation 1402 on the screen 1400, shown in label 1518, so that the transaction between promoter and the NFC payer has been finished in indication in case received NFC payer's payment.Then, by selecting graphic button 1466 once more, the promoter can continue to collect all the other part statements of expense to be finished from smart card payer and credit card funded payment people.After the graphic button 1466 of selecting Figure 30 J, the promoter can navigate to screen 1470.Shown in current accompanying drawing, screen 1470 can upgrade, so that the reflection promoter has received number that NFC payer owes.For example, can upgrade the screen 1470 of current demonstration, wherein remove the graphic button 1472 of former demonstration, and only show all the other

graphic buttons

1474 and 1476, they can represent the unpaid payment that credit card funded payment people and smart card payer are owed respectively.

Herein, by selecting graphic button 1476, the promoter can return screen 1480, discusses in Figure 30 I as top, and by screen 1480, the promoter can select to receive from the smart card payer proper method of payment.For example, in current accompanying drawing, the promoter can select graphic button 1484, so that the technology of discussing with reference to Figure 20 above using starts the reception of payment.For example, after selecting graphic button 1484, as shown in figure 28, can be on equipment 10 display screen 1520, and display notification message 1522, its promoter points out, current being activated of NFC interface on the equipment 10, and can start NFC with promoter's equipment 10 and be connected 1196 by overlap joint smart card 862.Then, in case promoter's equipment such as connecting 1196 information that receive on the storage chip 864 that is stored in smart card 862 by NFC, can display screen 1500.As discussed above, screen 1500 can show promoter's identity, and this sentences the smart card payer's of label 1526 expressions identity.Screen 1500 can also show payout 1528, the part statement of expense that it can be owed corresponding to the credit card funded payment people.Therefore, the promoter can select graphic button 686 so that start Trading Authorization discussed above action, such as current information being transferred to financial server 100, deposits account 216 in so that payout 1528 is deposited into.Shown in screen 1510, if successfully handled current transaction, can display notification message 1512, and can from smart card 862, draw number 1528.After this, in order to finish the group transaction, the promoter can select graphic button 1514 so that return screen 1400, and collects last unpaid payment from the credit card funded payment people.

Proceed to Figure 30 K now, after selecting graphic button 1514, screen 1400 can be updated and be presented on promoter's equipment 10.Shown in current accompanying drawing, the tabulation 1402 on the screen 1400 of renewal can point out that the promoter has received the part statement of expense that the smart card payer is owed, shown in label 1532 herein.Therefore, in order to collect remaining payment of being owed by the credit card funded payment people, the promoter can select graphic button 1466, so that the screen 1470 that visit is upgraded.As shown here, the screen 1470 of renewal is display graphics button 1474 only now, and it only reflects the remaining payment of owing the promoter.By selecting graphic button 1474, the promoter can enter screen 1480, and select graphic button 1486, so that use this to sentence label 1540 expressions and top, from credit card funded payment people's magnetic credit card 954 acquisition payments with reference to the transaction 952 shown in Figure 23 and 24 difference and the Flame Image Process and the information extraction technology of 970 general descriptions.For example, promoter's equipment 10 can use camera 48 discussed above to obtain the image 1212 of magnetic credit card 954.In case promoter's equipment 10 has obtained image 1212, can use one or more image processing techniquess, all OCR technology as mentioned above, so as from the represented corresponding image 1212 of credit card of credit card 954 information extraction.

Proceed to Figure 30 L, in case from image 1212, extracted required credit card information, the screen of discussing with reference to figure 26D above can showing 1060.Though not shown herein, should be appreciated that can also provide discussed above is used to edit the card information of extraction to handle the various technology of any incorrect part that may take place during Flame Image Process and extraction step 1540.Deposit account 216 in for the part statement of expense that the credit card funded payment people is owed is deposited into, the promoter can select graphic button 686.Select graphic button 686 promoter can be navigate to screen 1066, as discussed above, screen 1066 must be moved by the one or more additional mandate that the credit card funded payment people carries out before can being illustrated in and can handling transaction.For example, screen 1066 can require the credit card funded payment people to import statement of expense number in the text field 1068, and the CVV sign indicating number corresponding to credit card 954 is provided in the text field 1070.In addition, the credit card funded payment people can have the option that e-mail address is provided in the text field 1072, in case transaction is finished, this e-mail address can be used for transmitting payment receipt to the credit card funded payment people.

In case the credit card funded payment people provides the field that is presented on the screen 1066 required information, can handle remaining transaction by selecting graphic button 1074.If transaction is successfully handled, can be on promoter's equipment 10 display screen 1510, comprise notification message 1512, it points out to the promoter, the last payment that the credit card funded payment people is owed has been received and has been deposited into and deposited account 216 in.The promoter can withdraw from transaction by selecting graphic button 1516 then.Replacedly, if the promoter selects to return statement of expense screen 1400, shown in current accompanying drawing, can show pop-up window 1542.Pop-up window 1542 can be pointed out to have received all unpaid payments from group transaction member to the promoter.Pop-up window can also comprise graphic button 1544 and graphic button 1546, by graphic button 1544, the user can select to start follow-up group transaction, by graphic button 1546, the promoter can accept to withdraw from the group transaction of finishing, thus and the main screen 29 of Returning equipment 10 for example.

Though shown in Figure 30 F-30H, be by means of distributing concrete group statement of expense project that determining of above-mentioned group of each the part statement of expense in the transaction is provided, being to be understood that this technology only aims to provide a kind of example in the cards.In fact, in other was realized, the transaction application of carrying out on

equipment

10 and 92 34 can allow promoter or the own specified portions payout of group transaction member to pay off their part separately in the group statement of expense.

Proceed to Figure 31 now, the replacement embodiment of the system of the group transaction of discussing with reference to Figure 28 above being configured to carry out is shown, this sentences label 1560 and generally represents.The transaction 1560 that illustrates can be to sell the initiating equipment that method, apparatus 1176 can be used as the current transaction that illustrates with the difference of transaction 1170 discussed above.In addition, the equipment 10 in the current transaction 1560 can be used as to the seller and carries out payer about the payment of the part statement of expense.Be to be understood that, the current transaction that illustrates can not comprise main transaction step 1172 and the secondary transaction step of discussing among Figure 28 1174, but can in single group transaction, finish, wherein from credit card funded payment people, smart card payer, the NFC payer who is associated with NFC payer's equipment 92 and with NFC payer that NFC payer's equipment 10 is associated each receive and pay.For the user's of differentiation equipment 10 and equipment 92 purpose, the relative users of these equipment can be called as a NFC payer (corresponding to NFC payer's equipment 10) and the 2nd NFC payer (corresponding to NFC payer's equipment 92).As discussed above, sell method, apparatus 1176 and can set up self-organizing network, by this self-organizing network, all equipment with ability that participate in current transaction 1560 can add.For example, as shown here, equipment 10 and equipment 92 can add self-organizing network 1562 so that receive the current statement of expense 1564, its can reflect overall expression each current shown in the transaction total number that the member owed the group statement of expense.In addition, as discussed above, the first and second NFC payers can watch the current statement of expense 1564, can the transaction 1560 during the current statement of expense 1564 of real-time update, such as so as reflection statement of expense project to correspondence transaction member's distribution, and the reflection seller is to the reception from group transaction member's payment.

In case correctly distributed all statement of expense projects to selling method, apparatus, the part statement of expense can be transmitted to 1560 each payer of participating in business.What for example, this sentenced label 1568 expression can be transferred to NFC payer's equipment 10 from selling method, apparatus 1176 by means of the NFC connection of setting up 1566 corresponding to part statement of expense of a number that NFC payer owes.As discussed above, NFC connects 1566 foundation and may need payer's equipment 10 and sell the method, apparatus 176 overlap joint operation between each.After receiving the part statement of expense 1568, a NFC payer can select the payment account on the equipment 10, and connects 166 by means of NFC and this payment account information transmission of sentencing label 1570 expressions given sell method, apparatus 1176.As discussed above, sell method, apparatus 1176 and can Transaction Information 1572 be transferred to financial server 100 by network 1574 then, wherein, Transaction Information 1572 can also comprise the account that deposits in of selection, can provide network 1574 by any suitable network discussed above.If the transaction 1572 of being asked by the financial server mandate, can be deposited in the account that deposits in of seller's selection with the payment of label 1576 expressions.In addition, any payment that method, apparatus receives can pointed out to sell on the current statement of expense 1564 that the first and second NFC payers watch by self-organizing network 1562 during current transaction 1560.Should be appreciated that and to upgrade the current statement of expense 1562, so that the received unpaid payment of reflection.

Then, sell method, apparatus and can further transmit the part statement of expense 1582 corresponding to the 2nd NFC payer.For example, as shown in current accompanying drawing, the part statement of expense 1582 can connect 166 by NFC and be transferred to payer's equipment 92.Therefore as discussed above, the 2nd NFC payer can select this to sentence the payment account of label 1584 expressions, and will be transferred to about the corresponding information of the payment account selected and sell method, apparatus, sell that method, apparatus can further be transferred to financial server with information 1572 then so that authorize and handle.In addition, selling method, apparatus can also be by the payment information of NFC network 1566 receptions from smart card 862.For example, as discussed above, use the operation of NFC overlap joint, this information on the storage chip that is included in the smart card 862 of being stored in of sentencing label 1588 expressions can be transferred to sells method, apparatus 1176.

Sell method, apparatus 1176 and can also comprise camera, all cameras 48 as discussed above, it can be used for obtaining the image of magnetic credit card 954.In case obtain this image (this sentences label 1590 expressions), can use this image of one or more technical finesses that is used to extract corresponding to the accounts information of credit card 954 discussed above.Should be appreciated that the payment information that receives from each payer of participation group transaction 1560 can be transferred to financial server 100 so that handle.Therefore, as discussed above, if the payment of being asked by the financial server mandate, this respective pay of sentencing label 1576 expression will be applied to the selected account that deposits in of the seller.

With reference now to Figure 32 A-32D,, show a series of screen pictures according to the another kind of embodiment of the technology of current description, show and sell method, apparatus 1176 and carry out 1560 o'clock operation of transaction.Should be appreciated that and sell the transaction application that method, apparatus 1176 can comprise the transaction application of discussing with reference to electronic equipment 10 above being similar to 34.For example, shown in Figure 32 A, screen 110 can be displayed on to be sold on the method, apparatus 1176.By selecting graphic button 114, the seller can navigate to screen 476, and further selects graphic button 482, so that the graphic button on the access screen 1,270 1272,1274 and 1276.Herein, by selecting graphic button 1272, the seller can the initiation group conclude the business 1560, thereby enters screen 1278.

As discussed above, screen 1278 can show the some options that are used for the transaction of execution group., replace as the top selection graphic button of discussing with reference to the transaction 1170 of figure 28 1280 herein, can replace and select option with check box 1282 expressions.In case selected, the seller can further select graphic button 1284 so that continue current transaction 1560.For example, the selection to graphic button 1284 can navigate to the seller screen 1594 shown in Figure 32 B.

As discussed above, current transaction can occur under the situation of restaurant bill, has wherein shown the dining table tabulation in the restaurant that this sentences label 1596 expressions.The dining table of each demonstration can comprise the indicator about the member's who is sitting in each dining table place state.For example, dining table can be indicated as " ready (being ready to) ", its implication be client had a meal and prepare the checkout.In addition, empty dining table can be represented as " empty (sky) ", and the dining table that client still is at table can be represented as " pending (not finishing) ".For example, the dining table 1598 in the tabulation 1596 can point out that client has prepared the defrayment inventory.As shown in the figure, by selecting dining table 1594, the seller can navigate to screen 1600.The screen of discussing with reference to figure 30C above screen 1600 can be similar to 1370, that is, the current screen that illustrates can be set up self-organizing network, and by this self-organizing network, other equipment (such as equipment 10 and 92) with function can add.Screen 1600 can show seller's identity 1602, and current transaction identifiers 1604.In case all equipment (such as equipment 10 and 92) with function have added self-organizing network 1194, so sentence shown in label 1608 and 1610, the seller can select graphic button 1606, so that proceed to the screen 1614 shown in Figure 32 C.

Shown in screen 1614, can show that the transaction member tabulates 1616, it can comprise the first and second NFC payers at first.Screen 1614 can also demonstration group statement of expense bulleted list 1330.By selecting graphic button 1406, the seller can carry out the function that generally illustrates with the screen picture among Figure 30 E, so that add credit card funded payment people and smart card payer to current transaction, thereby update group transaction member tabulates 1616.Then, in case all group transaction members have been added to current transaction, the seller can be to respective transaction member cost of distribution list item.For example, as discussed above, can use and drag/put operation to distribute various statement of expense projects, such as statement of expense project 1430 to respective sets transaction member.

Proceed to Figure 32 D now, shown in the screen 1614 of the renewal of current accompanying drawing, the seller can continue to distribute all the other group statement of expense projects 1330.In addition, should be noted that can upgrade each in the allocation process process organizes transaction member 1616 number of owing.As discussed above, in case determined the number of each part statement of expense, the seller can select graphic button 1466 so that enter screen 1620, and wherein the seller can start the processing of collecting respective pay from each group transaction member.For example, the screen 1620 that illustrates can display graphics button 1622,1624,1626 and 1628.As discussed above, each in these graphic buttons can be corresponding to a corresponding number of being owed among the group transaction member 1616.Therefore, in the similar mode of step that provides with screen shown in Figure 30 I-30K, by selecting one of graphic button 1622,1624,1626 and 1628, the seller can collect payment from each group transaction member.

Behind one of the graphic button of having selected to show 1622,1624,1626 and 1628, can receive payment information from the group transaction member who selects.After this, shown in label 1630, can carry out the relevant art that is used to handle each transaction according to the method for obtaining payment information.For example, should be appreciated that selection graphic button 1622 can be such as initiating the NFC Payment Request by the NFC payer of NFC connection 1566 on equipment 10 shown in Figure 31.Therefore, a NFC payer can connect 1566 by NFC provides with the payment information shown in the label 1570 of Figure 31 to selling method, apparatus 1176.Should be appreciated that the seller can continue to collect payment from each group transaction member, receive all unpaid payments up to.In addition, though not shown in the current accompanying drawing, should be appreciated that if desired before selling method, apparatus 1176 transmission payment informations, each group transaction member can have the option of specifying the tip number.

In case the seller receives all unpaid payments, can on screen 1614, show pop-up window 1632.Shown in Figure 32 D, pop-up window can be pointed out to the seller, receives all unpaid payments from group transaction member 1616.In addition, pop-up window 1632 can display graphics button 1634 and graphic button 1636, and by graphic button 1634, the seller can initiate follow-up group transaction, and by graphic button 1636, the seller can select to withdraw from the group transaction application.Though specifically be to be that background has been described this group transaction technology among Figure 28 and the embodiment shown in Figure 31, should be appreciated that this technology is applicable to any group that the comprises a plurality of payers situation of concluding the business to distribute the restaurant bill.

Shown in the current accompanying drawing that illustrates, can provide various functions discussed herein by the transaction application (for example, with icon 34 expressions) that is stored on the equipment that is combined with one or more aspects of the present disclosure.In fact, transaction application can comprise the coded order that is stored on one or more machine readable medias (such as memory device 54) and is configured to be carried out with one or more functions that equipment 10 discussed above is provided by processor 50.In addition, should be appreciated that transaction application can also comprise is defined in the various graphic screen images discussed in the disclosure and the coded order of user interface capabilities.Yet, it is also understood that and can use various graphic elements and vision scheme to be implemented in the top accompanying drawing function that proposes and describe, and the disclosure is not intended to be limited to the accurate user interface convention that provides above.

Though the present invention can have various modifications and replacement form, illustrated and described in detail herein specific embodiment by the example in the accompanying drawing.Yet, should be appreciated that the technology that proposes is not intended to be limited to disclosed particular form in the disclosure.But the present invention covers all modifications, equivalent and alternative in the spirit and scope of the present disclosure that drop on the claims definition.

Claims

1. one kind is used hand-hold electronic equipments to receive the method for paying in the equity transaction, comprising:

Obtain the payment information on the hand-hold electronic equipments, described payment information comprises the payment account that at least one is selected by the payer;

Be identified for receiving the account that deposits in of payment; With

Obtain payment authorization.

2. the method for claim 1 is wherein obtained payment information and is included in and receives payment information on the communication interface, described communication interface be configured to another equipment on another communication interface set up communication path.

3. method as claimed in claim 2 wherein in response to using described communication interface from the electronic payment requests of hand-hold electronic equipments to described another device transmission, receives described payment information, and described electronic payment requests comprises the payout of being asked.

4. method as claimed in claim 3, wherein said communication interface comprises near-field communication (NFC) interface, wherein communication path comprises the NFC path, and the NFC path is to use the NFC overlap joint operation of carrying out and sets up between hand-hold electronic equipments and described another equipment.

5. method as claimed in claim 2, wherein selected payment account comprises smart card, and obtains payment information and comprise and use described communication interface to receive the payment information that is stored on the smart card.

6. the method for claim 1 is wherein obtained payment information and is comprised the image that obtains the means of payment, and extracts the payment information data from the image that obtains.

7. method as claimed in claim 6, wherein the means of payment comprise credit card, and the payment information data of extracting comprise in credit card account, due date, credit card provider identity, the credit card possessor's identity at least one, or their any combination.

8. method as claimed in claim 6, wherein the means of payment comprise check, and the payment information data of extracting comprise in transit number, Bank Account Number, payout, bank account holder's identity, the check ID numbers at least one, or their any combination.

9. the method for claim 1, determine that wherein depositing account in comprises:

In response to the user's of hand-hold electronic equipments request, show to be stored in to deposit the account tabulation on the hand-hold electronic equipments;

Reception is from the user's of hand-hold electronic equipments selection input; With

Based on the selection input that receives, from this tabulation, select to deposit in account.

10. the method for claim 1, wherein obtaining payment authorization comprises: from hand-hold electronic equipments at least one external server transmission payment information that separates with this hand-hold electronic equipments, described at least one external server is configured to authorize described payment based on the payment information of transmission, if and the payment be authorized to, deposit payment in the described account that deposits in.

11. method as claimed in claim 10, wherein the payment account of Xuan Zeing comprises credit card, and described at least one external server comprises the server that is associated with credit card provider.

12. method as claimed in claim 10, wherein the payment account of Xuan Zeing is a bank account, and described at least one external server comprises the server that is associated with banking provider.

13. method as claimed in claim 10, wherein the payment account of Xuan Zeing is non-cash account.

14. method as claimed in claim 13, wherein the noncash account comprises the account that is associated with provider of online Digital Media, and described at least one external server comprises the server that is associated with provider of online Digital Media.

15. a hand-hold electronic equipments comprises:

Processor;

At least one communication interface, wherein said at least one communication interface comprises first communication interface, described first communication interface be configured to another equipment on communication interface set up first communication path; With

Memory devices, described memory devices is couple to processor communicatedly and is configured to store at least one payment account, transaction application that at least one deposits account in and can be carried out by processor, this transaction application is configured to use the second communication interface that the payment information that hand-hold electronic equipments received is transferred at least one external server, so that use this payment information to obtain payment authorization.

16. as the hand-hold electronic equipments of claim 15, described payment information is to use first communication interface to receive.

17. as the hand-hold electronic equipments of claim 16, wherein first communication interface comprises the NFC interface, and first communication path comprises the NFC path.

18. as the hand-hold electronic equipments of claim 15, wherein after receiving payment information, described transaction application is configured to point out the user of hand-hold electronic equipments to select to deposit in account.

19. as the hand-hold electronic equipments of claim 15, also comprise camera, described camera is configured to obtain the image of the means of payment, wherein the payment information that hand-hold electronic equipments received is to extract from the image that obtains.

20. as the hand-hold electronic equipments of claim 15, also comprise display, wherein display is configured to show hand-hold electronic equipments payment information that receives and the tabulation that deposits account in that is stored on the hand-hold electronic equipments.

21. hand-hold electronic equipments as claim 15, wherein said at least one communication interface comprises the second communication interface that is configured to set up with described at least one external server communication path, and uses the second communication interface that the payment information that hand-hold electronic equipments received is transferred to described at least one external server.

22. a group transaction method that has a plurality of groups of transaction members on hand-hold electronic equipments, this method comprises:

Obtain the group statement of expense on hand-hold electronic equipments, the described group of statement of expense comprises one or more groups of statement of expense projects;

Use hand-hold electronic equipments to pay the whole group of statement of expense;

Determine each group transaction member's the part statement of expense, each part statement of expense comprises the respective sets transaction payout that the member owed;

Each part statement of expense is offered corresponding group of transaction member; With

Based on the payout in the appropriate section statement of expense that is included in each group transaction member, collect payment from each group transaction member.

23. method as claimed in claim 22 is wherein obtained the group statement of expense and is comprised the communication interface reception group statement of expense that uses on the hand-hold electronic equipments, described communication interface be configured to another equipment on communication interface set up communication path.

24. method as claimed in claim 23, wherein communication interface comprises the NFC interface, and communication path is included in the NFC path of setting up by the operation of NFC overlap joint between described hand-hold electronic equipments and described another equipment.

25. method as claimed in claim 23 is wherein paid the whole group of statement of expense and is comprised:

Determine to be stored in the payment account on the hand-hold electronic equipments; With

Use described communication interface that payment information is transferred to described another equipment, payment information comprises determined payment account, described another equipment be configured to payment information be transferred to be configured to authority to pay in case use determined payment account pay off the group statement of expense at least one external server.

26. method as claimed in claim 22, wherein the determining section statement of expense comprises the described one or more groups of statement of expense projects of distribution.

27. method as claimed in claim 26, wherein said one or more groups of statement of expense projects are five equilibrium between group transaction member.

28. method as claimed in claim 26, wherein the project on the assign group statement of expense comprises:

(a) in response to the user's of hand-hold electronic equipments input, selection group statement of expense project from one or more groups of statement of expense projects;

(b) the selected group of statement of expense project group transaction member corresponding with at least one is associated; With

(c) repeating step (a) and (b) is up to having distributed all group statement of expense projects.

29. method as claimed in claim 28, wherein selected group of statement of expense project is total between two or more group transaction members, and related selected group of statement of expense project is included in the expense of distributing selected group of statement of expense project between described two or more group transaction members.

30. method as claimed in claim 26, also comprise and use hand-hold electronic equipments to set up network, another equipment by group transaction member operation can be connected in this network, and show the distribution to the described one or more groups of statement of expense projects on the hand-hold electronic equipments on described another equipment, described another equipment is connected to described network and is operated by group transaction member.

31. method as claimed in claim 23 is wherein collected payment based on the corresponding part statement of expense of each group transaction member from each group transaction member and is comprised:

(a) in response to input from the user of hand-hold electronic equipments, selection group transaction member;

(b) the part statement of expense with correspondence sends selected group of transaction member to; With

(c) obtain payment information from selected group of transaction member, described payment information comprises the payment account of being selected by selected group of transaction member.

32. method as claimed in claim 31 also comprises:

(d) payment information is transferred at least one external server, thereby receives the payment of carrying out from this payment account so that obtain the authorization; With

(e) repeating step (a)-(e) is paid up to all part statements of expense.

33. method as claimed in claim 31, wherein the translator unit statement of expense comprises: use described communication interface to set up and communication path by the communication interface on another equipment of selected group of transaction member operation, the part statement of expense is transferred to another equipment by selected group of transaction member operation.

34. method as claimed in claim 31 is wherein obtained payment information from selected group of transaction member and is comprised that the described communication interface of use receives payment information.

35. method as claimed in claim 31 is wherein obtained payment information and is comprised:

The image of the means of payment that provide by selected group of transaction member is provided; With

The image that processing is obtained is to extract the payment information data.

36. method as claimed in claim 31, wherein payment account comprises credit card, bank account or noncash account.

37. a hand-hold electronic equipments comprises:

Processor;

At least one communication interface, wherein this at least one communication interface comprises first communication interface, described first communication interface be configured to another equipment on communication interface set up communication path; With

Memory devices, described memory devices is couple to processor communicatedly and is configured to store at least one payment account, the transaction application that at least one deposits account in and can be carried out by processor, described transaction application is configured to: show the group statement of expense that uses first communication interface to receive from described another equipment, determine payment account, at least the payment information that comprises this payment account is offered described another equipment, determine the part statement of expense of one or more groups of transaction each among the members, and based on the corresponding part statement of expense, each from described one or more groups of transaction members is collected payment.

38. hand-hold electronic equipments as claimed in claim 37, wherein give corresponding group transaction member, determine each the part statement of expense among the described one or more groups of transaction members by the one or more statement of expense allocations of items that will organize in response to one or more inputs of the user of hand-hold electronic equipments on the statement of expense.

39. hand-hold electronic equipments as claimed in claim 37, wherein by in response to one or more inputs of the user of hand-hold electronic equipments assign group statement of expense equably between described one or more groups of transaction members, determine each the part statement of expense among the described one or more groups of transaction members.

40. hand-hold electronic equipments as claimed in claim 37, wherein each from described one or more groups of transaction members is collected to pay and comprised: receive the payment information of each part statement of expense, described payment information comprises each selected at least one payment account among the described one or more groups of transaction members.

41. hand-hold electronic equipments as claimed in claim 40 wherein from the described payment information of another device transmission by group transaction member operation, and receives described payment information on first communication interface.

42. hand-hold electronic equipments as claimed in claim 40, the smart card that wherein is subordinated to group transaction member transmits described payment information, and receives described payment information on first communication interface.

43. hand-hold electronic equipments as claimed in claim 40 also comprises and the camera of the image that is configured to obtain the means of payment that provided by group transaction member wherein extracts the payment information that is received by hand-hold electronic equipments from the image of these means of payment.

44. hand-hold electronic equipments as claimed in claim 40, wherein said transaction application also are configured to determine to deposit in account based on one or more inputs that the user by hand-hold electronic equipments provides.

45. hand-hold electronic equipments as claimed in claim 44, wherein the previous configuration of carrying out based on the user by hand-hold electronic equipments determines to deposit in account.

46. hand-hold electronic equipments as claimed in claim 44, wherein show the tabulation that deposits accounts information in that is stored on the hand-hold electronic equipments by request in response to the user of hand-hold electronic equipments, and deposit account in based on the selection input selection from this tabulation that receives by the user of hand-hold electronic equipments, determine to deposit in account.

47. hand-hold electronic equipments as claimed in claim 44, wherein said at least one communication interface also comprises the second communication interface that is configured to set up with the communication interface of at least one external server communication path, and the described one or more groups of transaction payment informations that the member received are transferred at least one external server, and described at least one external server is configured to deposit payment in the described account that deposits in based on the payment information mandate that receives.

48. the method for an authority to pay in the equity transaction comprises:

The Transaction Information that reception is provided by hand-hold electronic equipments;

Determine payment account, deposit account and payout in according to the Transaction Information that receives;

Determine whether to authorize and draw described payout from described payment account; With

If authorize and draw described payout, will deposit the described account that deposits in the corresponding number of described payout from described payment account.

49. as the method for claim 48, wherein said Transaction Information comprises the payment information that extracts from the image of the means of payment.

50. as the method for claim 48, wherein said Transaction Information comprises the payment information that uses communication interface to receive by described handheld device, described communication interface is configured to set up communication path with another equipment.

51. as the method for claim 48, wherein payment account comprises credit card, and deposits account in and comprise bank account.

52., wherein determine whether to authorize and draw described payout from credit card and comprise: obtain for the mandate of drawing described payout from described credit card from credit card server as the method for claim 51.

53. as the method for claim 48, wherein said payment account and deposit in the account each comprise the noncash account.

54., wherein determine whether to authorize and draw described payout from the cashless payment account and comprise: obtain for the mandate of drawing described payout from described cashless payment account from server as the method for claim 53.

55. as the method for claim 53, wherein said noncash deposits account and payment account and described server in and is associated with provider of online Digital Media.

56. the method as claim 48 also comprises: draw described payout if authorize from described payment account, then to described hand-hold electronic equipments acknowledge message.

57. an electronic equipment comprises:

Communication interface is configured to receive Transaction Information from another hand-hold electronic equipments;

Processor; With

The memory devices of the application that storage can be carried out by described processor, wherein said application is configured to: determine payment account, deposit account and payout in based on the Transaction Information that receives, determine whether and to draw payment from described payment account corresponding to described payout, if and determine and can draw described payout from described payment account, then deposit the described account that deposits in.

58. electronic equipment as claimed in claim 57, wherein said at least one communication interface be configured to described hand-hold electronic equipments on communication interface set up communication path so that receive described Transaction Information.

59. electronic equipment as claimed in claim 58, wherein said communication interface comprises at least one in LAN interface, WLAN interface and the wan interface, or its any combination.

60. electronic equipment as claimed in claim 59, wherein said communication path comprise LAN communication path, WLAN communication path or WAN communication path.

61. electronic equipment as claimed in claim 59, wherein said payment account comprises credit card, and described communication interface also is configured to described credit card and payout are transferred to the credit card validation server, can draw described payout from described credit card so that determine whether.

62. electronic equipment as claimed in claim 59, wherein said memory devices also are configured to store the information about the noncash account that is associated with the service provider.

63. electronic equipment as claimed in claim 62, wherein said payment account and described each that deposits in the account comprise the noncash account that is associated with described service provider, and described electronic equipment also is configured to determine whether to draw described payout and to deposit it in described noncash from described cashless payment account to deposit account in based on the information that is stored in the memory devices.

64. as the described electronic equipment of claim 63, wherein said service provider comprises provider of online Digital Media, and described cashless payment account and deposit account in and comprise the integration that can exchange to provider of online Digital Media.

65. a method comprises:

Hand-hold electronic equipments is provided, and described hand-hold electronic equipments is configured to store payment account information, the tabulation of selectable financial services provider is provided and will tabulate in the financial services provider acquiescence that is shown as appointment select; With

As the exchange that described acquiescence is selected, collect first expense from this acquiescence financial services provider.

66. as the described method of claim 65, comprise that also each other financial services provider that never is designated as the acquiescence financial services provider collects second expense, with as the exchange that described hand-hold electronic equipments is configured in can selecting financial services provider tabulation, provide these other financial services provider.

67. as the described method of claim 66, wherein first expense is greater than second expense.

68. as the described method of claim 65, also comprise, to described acquiescence financial services provider charge if the user of hand-hold electronic equipments will store in the hand-hold electronic equipments with the payment account that described acquiescence financial services provider is associated.

69. as the described method of claim 65, comprise if the user of hand-hold electronic equipments selects to be stored on the hand-hold electronic equipments and the payment account that is associated with one of described financial services provider is paid in transaction, then collect transaction fee to this financial services provider.

70., wherein collect transaction fee to described financial services provider repeatedly as the described method of claim 69.

71. as the described method of claim 69, wherein said transaction fee is that each the use is stored on the hand-hold electronic equipments and the payment account that is associated with described financial services provider when paying, the fixed expense of collecting to described financial services provider.

72. as the described method of claim 69, the transaction fee of collecting to described financial services provider according to the percentage calculation of the corresponding payout of payment of carrying out with the hand-hold electronic equipments user wherein.

73., wherein collect the part of described transaction fee to the user of hand-hold electronic equipments as the described method of claim 69.

74. as the described method of claim 65, wherein said financial services provider comprises at least one in credit card provider, debit card provider, the banking provider, or its any combination.

75. as the described method of claim 65, wherein said financial services provider is associated with the cashless payment account.

76. as the described method of claim 75, wherein said financial services provider is associated with provider of online Digital Media, and described cashless payment account comprises the integration that the user of hand-hold electronic equipments can exchange.