CN106803175A - 快拍移动支付装置,方法和系统 - Google Patents
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Abstract
本发明公开了快拍移动支付装置,方法和系统。快拍移动支付装置、方法和系统(“SNAP”)经由SNAP部件传送实时产生的商家-产品快速响应代码到基于虚拟钱包卡的交易购买通知。在一个实施例中,该SNAP从移动设备获得出现在销售点设备的显示屏上的QR代码的快照。所述SNAP解码所述QR代码来获得包括在用户的结帐请求中的产品信息,以及商家信息以用于处理和提供该QR代码的商家的用户购买交易。所述SNAP访问用户虚拟钱包来获得用户账户信息以处理与商家的用户购买交易。所述SNAP利用该产品信息、商家信息和用户账户信息产生卡授权请求,SNAP提供其到支付网络用于交易处理。此外,所述SNAP获得确认用户购买交易的处理的购买收据。
Description
本申请是基于申请号为201280018719.7、申请日为2012年2月16日、发明名称为“快拍移动支付装置,方法和系统”的专利申请的分案申请。
本专利申请公开文档(在下文中称“说明书”)描述指导各个新的革新(在下文中是新发明新技术和/或新方法)的发明方面并包含附属于版权,掩模工作和/或其它知识产权保护的材料。当它出现在公开的专利局文件/记录中时,这种知识产权的各个所有人不反对任何人作出专利公开文档的传真再现,但在别的方面保留所有权利。
优先权声明
本申请按照35USC$119,要求了下列优先权:于2011年2月16日申请的序号为61/443,624、标题为“移动捕获结帐装置、方法和系统”,代理人编号为P-42032PRV|20270-127PV的美国临时专利申请;2011年7月27日申请的序号为61/512,248,标题为“快拍移动支付装置,方法和系统”,代理人编号为10US01|20270-175PV的美国临时专利申请;2011年8月10日申请的序号为61/522,213,标题为“通用移动支付平台、装置、方法和系统”,代理人编号为10US03|20270-175PV2的美国临时专利申请;以及2011年8月25日申请的序号为61/527,576,标题为“快拍移动支付装置、方法和系统”,代理人编号为10US02|20270-175PV1的美国临时专利申请。将前述的申请的整个教导在此引入,以供参考。
技术领域
本发明一般地涉及用于电子购买交易的装置、方法和系统,具体而言,涉及快拍移动支付装置、方法和系统(“SNAP”)。
背景技术
顾客交易通常需要顾客从商品陈列架或网站选择产品,然后在结帐柜台或 网页上结帐。产品信息通常是从网页目录或进入销售点终端设备中被选择出来的。在物理零售环境中,产品信息是通过利用集成的条形码扫描器在销售点记录器上扫描物品条型码而自动输入的,以及顾客通常被配有多个支付选项,诸如现金、支票、信用卡或借记卡。一旦支付被提出并同意,所述销售点记录器在商家的计算机系统中存储所述交易,以及产生表示所述交易圆满结束的收据。
附图说明
根据本发明的发明方面,所述附录和/或附图非限制的举例说明了根据本发明的各个示例、发明的方面:
图lA-F示出了说明了在SNAP的一些实施例中的基于快拍移动支付的购买交易的示例方面的框图;
图2A-F示出了在所述SNAP的一些实施例中,说明帮助快拍移动支付的快拍移动支付应用的示例特征的应用程序用户界面图;
图3A-E示出了在所述SNAP的一些实施例中,说明用于捕获产品条型码、保护用户数据并防止欺诈的快拍移动支付应用的示例特征的应用程序用户界面图;
图4A-D示出了在所述SNAP的一些实施例中,说明示例快拍移动支付过程的数据流程图;
图5A-E示出了在所述SNAP的一些实施例中,说明实行快拍移动支付的示例方面的逻辑流程图,例如快拍移动支付执行(“SMPE”)部件500;
图6A-B示出了在所述SNAP的一些实施例中,说明处理快速响应代码的示例方面的逻辑流程图,例如快速响应代码处理(“QRCP”)部件600;
图7示出了在所述SNAP一些实施例中,说明虚拟钱包应用的示例特征的概述的用户界面图;
图8A-G示出了在所述SNAP的一些实施例中,说明购物模式中的虚拟钱包应用的示例特征的用户界面图;
图9A-F示出了在所述SNAP的一些实施例中,说明支付模式中的虚拟钱包应用的示例特征的用户界面图;
图10示出了在所述SNAP一些实施例中,说明历史模式中的虚拟钱包应用的示例特征的用户界面图;
图11A-F示出了在所述SNAP的一些实施例中,说明快拍模式中的虚拟钱包应用的示例特征的用户界面图;
图12示出了在所述SNAP一些实施例中,说明报价模式中的虚拟钱包应用的示例特征的用户界面图;
图13A-B示出了在所述SNAP的一些实施例中,说明安全和隐私模式中的虚拟钱包应用的示例特征的用户界面图;
图14示出了说明SNAP控制器的实施例的框图。
所述附图内的每个附图标记的前沿的数字表示其中附图标记被引入和/或详细说明的附图。因而,附图标记101的详细论述将在附图1中出现和/或被引用,附图标记201被引进附图2中等等。
具体实施方式
快拍移动支付(SNAP)
所述快拍移动支付装置、方法和系统(在下文中“SNAP”)通过SNAP部件将实时产生的商家产品的快速响应代码转换成为基于卡的虚拟钱包的交易购买通知。图lA-F示出了说明在SNAP的一些实施例中的基于快拍移动支付的购买交易的示例方面的框图。参见附图lA,在一些实现方式中,例如101a-b的用户可能希望在例如103a的商家商店或在例如103b的商家网站购买产品。例如,在商家商店,用户可在例如103a的商店中的销售点(“POS”)终端上扫描多个产品(例如102a)的条型码,然后指示用户希望结帐的扫描物品。在一些实现方式中,所述POS终端经由支付网络产生包括扫描的产品物品相关的信息,以及用于处理所述购买交易的商家信息的快速响应(“QR”)代码,例如105a。用户使用诸如智能电话的用户设备可捕获由所述POS终端产生的所述QR代码的图像。例如,所述用户设备可以具有用于迅速获取所述商家产品QR代码的应用。所述用户设备可使用从所述QR代码中提取的信息,连同有关绑定到用户设备的虚拟钱包的信息一起来启动购买交易。例如,所述用户设备可使用从所述QR代码中提取的所述产品和商家信息以及来自所述虚拟钱包的金融支付信息来建立购买交易请求,并将所述请求提交到支付网络(例如,信用卡处理网络)。
在一些实现方式中,所述用户设备可使用捕获QR代码的替换方法来从所 述POS终端获得信息。例如,所述POS终端可经由蓝牙TM、Wi-Fi、SMS、文本信息、电子邮件、和/或其它通信方法来传递提交购买交易请求到支付网络所需的信息到用户设备。
在一些实现方式中,用户101b可能希望对存储在例如102b的在线商店网站上的虚拟购物车中的物品结帐。例如,用户可以使用安全显示器(例如,所述用户的信任计算设备的一部分)浏览所述网站。当指示用户希望对所述虚拟购物车的物品结帐,所述网站可提供包括有关所述虚拟购物车中的产品和商家信息的信息的QR代码。例如,在其中所述用户使用安全显示器的情况中,为安全目的,QR代码可以被显示在所述安全显示器内的随机位置。所述用户可获取所显示的QR代码的快照,并使用来自与所述用户设备相关联的虚拟钱包的支付信息来创建购买交易请求以便由支付网络处理。当购买交易完成时,支付网络直接向用户设备106、商店中的所述POS终端和/或所述安全显示器(用于安全的在线购物情况)提供例如107的购买收据,作为交易处理完成的确认。因此,在一些实现方式中商家可以在处理所述购买交易时被屏蔽以免获得用户的个人和/或私人信息,同时使用用于呈现商家产品QR代码的安全显示器来确保所述用户的虚拟钱包的完整性。
在各个实现方式中,这种支付处理可以被用于各式各样的交易。例如,在餐厅用餐的用户可获得包括QR支付代码的帐单,QR支付代码包括关于包括在该账单中的餐费的细节,以及该餐厅的的商家ID。在没有向该餐厅披露关于该用户的任何金融或个人信息的情况下,用户可使用用户的智能电话给该餐厅账单拍快照,以及使用用户的虚拟钱包为支付该餐厅账单。
参见附图1B,在一些实现方式中,例如110,用户111可能希望使用反向快拍移动支付过程来结帐存储在(在线)商店例如112中的(虚拟)购物车中的物品。例如,用户看使用作为用户的信任计算设备的一部分的安全显示器,例如113,或经由实体商店中的POS终端浏览网站。当指示用户希望结帐所述虚拟购物车中的物品时,用户可经由连接至该用户的虚拟钱包的用户移动设备上的移动应用生成(例如114)包括有关该用户的支付方式、报价、回报、和/或其它方面的信息的QR代码115b。该用户可提供显示在用户移动设备上的该QR代码给安装在信任计算设备(或POS终端)上的网络摄像机(或其它QR代码捕捉设备和/或机制)。用户的信任计算设备或POS终端可获得由该用户的 移动设备产生的该QR代码的快照,例如116,并且利用来自该用户产生的QR代码的支付信息来创建购买交易请求,以用于支付网络进行处理。当完成该购买交易时,该支付网络可直接向用户移动设备、商店中的POS终端和/或安全显示器(用于安全的在线购物情况)提供购买收据,作为交易处理完成的确认。因此,在一些实现方式中,该用户将能使用由该用户的移动设备产生的QR代码作为塑料支付卡(例如信用、借记、预付卡)的替代,或作为其它诸如近场通信、等等的金融信息传输机制的代替。在一些实现方式中,该QR代码可以是一次性匿名的信用卡号码的代表(例如,参见与附图3B相关联的说明)。
在一些实现方式中,第一用户121b可能希望支付给第二用户121a某金额(或等价物,例如虚拟货币、替代货币、回报、里程、点数等等),例如P2P快拍移动支付120。第二用户121a可产生限制时间有效性的QR代码,例如122,包括关于将被转帐的该金额以及链接到第二用户的金融账户的隐私记号/别名的信息。第二用户可向第一用户显示产生的该QR代码(例如,通过维持第二用户的移动电话向第一用户显示该QR代码;通过电子邮件、社交网络消息、推特等等发送该QR代码)。第一用户使用第一用户的移动电话给该QR代码拍快照,例如123,并且使用该金额、第二用户的链接到金融账户的隐私记号/别名、以及链接到该第一用户的移动电话的第一用户的虚拟钱包,来产生用于由该支付网络处理的购买交易请求。当该交易完成时,该支付网络可向作为交易当事方的用户提供交易通知收据。在作为替代的实现方式中,该两个用户可经由该QR代码的备用方法共享在该QR代码中编码的数据,包括但不限于:近场通信(NFC)、Wi-FiTM、蓝牙TM、蜂窝网络、SMS、电子邮件、文本消息和/或其它通信协议。
通常,应该理解的是,在快拍移动支付的各个实现方式中,这种记号、别名和/或处理可以被有利地使用。例如,希望参与反向快拍移动支付过程(参见,例如附图1B,元件110)的用户可产生包含关于指向存储在支付网络系统的服务器上的金融支付信息的句柄(handle)的信息的QR代码。例如,快拍移动支付的一些实现方式可使用支付象征过程来产生和/或处理句柄,支付象征过程与编号为13/153,301、标题为“支付象征装置方法以及系统”的美国申请所描述的内容相似,此处该整个内容通过引用被明确地包括在此。此外,在一些实现方式中,该句柄可根据简洁消息传递协议编码信息,诸如在编号为6,837,425,标题为“简洁协议以及解决便携式消费者设备和基础设备之间基本上离线消息传递的方法”的美国专利中描述的,此处通过引用其整个内容被明确地包括在此。在一些反向快拍移动实现方式中,用户可提供包含有该句柄并显示在用户的移动设备上的该QR代码给安装在信任计算设备(或POS终端)上的网络摄像机(或其它QR代码捕捉设备和/或机制)。该用户信任的计算设备或POS终端可获得由该用户的移动设备产生的QR代码的快照,例如116,并为由该支付网络处理的购买交易请求提供从该QR代码中提取的句柄给商家服务器。为了使用该句柄处理该购买交易,该商家服务器可产生卡授权请求(诸如参考附图4A在以下的讨论中进一步描述的),并提供该卡授权请求给支付网络。当完成该购买交易时,该支付网络可直接向用户移动设备、该商店中的该POS终端和/或该安全显示器(例如用于安全的在线购物情况)提供购买收据,作为使用该句柄的交易处理完成的确认。
在一些实现方式中,用户警告机制可以被建立到快拍移动支付购买交易处理流程中。例如,在一些实现方式中,商家服务器可嵌入专用于该交易的URL到卡授权请求中。例如,在一些实现方式中,POS终端、远程设备和/或台式计算机可在卡授权请求中将该URL嵌入到可选的层3数据中。该URL可指向存储在作为卡授权请求的主体的专用于该交易的商家服务器上的网页。例如,由该URL指向的网页可包括关于该购买交易的细节,例如被购买的产品、进货成本、时间期满、订单处理的状态等。因此,通过传递该网页的URL给该支付网络,商家服务器可向该支付网络提供该交易的细节。在一些实现方式中,该支付网络可提供通知给用户,诸如支付收据、交易授权确认消息、运输通知等。在这种消息中,该支付网络可提供该URL给用户设备。该用户可在用户的设备上导航到该URL来获得关于该用户的购买的警告,以及其他的信息,诸如报价、优惠券、相关产品、回报通知等。
在一些实现方式中,多个用户可经由快拍移动支付可参与群组支付来分解偿付(tender),例如130。在一些实现方式中,用户之一131a可获得在例如133的POS终端处生成的(或例如在诸如用餐账单的纸上呈现的)QR支付代码(例如134)的快照(例如132)。该用户可又生成QR分解支付代码,包含有关于该偿付已经被分解为的金额的信息。该用户131a可呈现该分解的偿付QR代码135给其他用户131b-c,用户131b-c可获得该分解的偿付QR代码的快照,例 如136。在一些实现方式中,为了该原始QR代码的支付,该用户131b-c可以经由该支付网络偿还用户131a,或用户131b-c可以经由该分解的偿付QR代码进行直接支付给该商家(例如,当该用户131a给该商家的QR代码拍快照的时候,没有立即发生支付处理)。在一些实现方式中,该商家可为用户131a-c直接提供分解偿付QR代码。
在一些实现方式中,通过使用作为替代的通信机制可以实现群组移动支付,而不是使用QR代码。例如,在一些实现方式中,该POS终端133可使用诸如蓝牙TM的通信协议来与用户131a-c通信。该POS终端可串行或并行地与每一个用户建立独立的通信会话。通过这些独立的通信会话,POS终端可传输该用户的设备所需要的产品和/或商家数据来产生各个购买交易处理请求。因此,通过这些独立的通信会话,POS终端可将与用户131a-c相关联的群组偿付分解成单个支付金额。
参见附图1C,在一些实现方式中,为了认证/验证目的,以及为了提供用于公开个人和/或私人信息的数字准许,可以使用快拍移动付帐方式。例如,拜访他/她的医生143的用户142可能被要求提供正式准许来向该医生公开个人信息(例如病历)。该医生的终端(例如144)可产生包含有这个医生数字凭证以及有关被请求的用户的病历的类型/内容的信息的QR代码。用户可通过该用户的移动设备对该QR代码拍快照。用户的移动设备可根据该QR代码产生记录释放的请求,以及用作该请求是从个人信任设备(例如该用户的移动设备)获得的验证。在作为替代的实现方式中,用户能够选择该用户意欲向医疗供应商披露的个人信息,以及该用户的移动设备可产生一QR代码以用于该医生的终端来获得快照以便检索该用户的医疗信息。在一些实现方式中,该QR代码也可以包括支付信息(例如用户的支付帐户信息,或该医生的收单机构信息)以及有关个人信息的受控释放的信息。
在一些实现方式中,SNAP可通过预先填充可变更的QR支付代码来辅助P2P交易,例如150。例如,具有公开的简档页面(例如151)的第一用户可放置QR代码的图像在公开的简档中,例如152。例如,该QR代码可包括预先确定的支付金额用于通过获取该QR代码的快照发起的购买交易。在一些实现方式中,该预定的金额可以是$0(例如,$0QR支付代码)。第二用户可使用移动设备来捕捉该QR支付代码的快照,并可通过第二用户的移动设备来设置第二用户意欲支付第一用户的金额。第二用户的移动设备可给用于交易处理的支付网络提供在该QR代码内编码的信息以及第二用户选择的支付金额。
应该理解的是,可以使用此处描述的快拍移动支付的各个方面以用于信息的任何受控交换和/或支付。例如,参考附图1D,在一些实现方式中,用户可通过快拍移动支付获得按次计费的节目,例如160。例如,电视显示器可提供包括节目信息(例如162)的广告以及QR支付代码用于获得该节目内容,例如161。该QR代码包括标识该节目信息的信息,以及标识该电视预订者帐户信息、电视机地址等的信息。该用户可获得该QR代码的快照,并提供嵌入在该QR代码中的信息以及该用户的移动设备的信息(例如,链接到该用户的虚拟钱包的预订者帐号、付款帐户信息等)。当通过支付网络处理支付信息时,该支付网络可将支付完成的指示提供给电视节目供应商,并且该电视节目供应商可放出节目内容到用户的电视。作为另一例子,相似流程可以被用于飞机上的娱乐活动,例如170,其中飞机上的屏幕可提供节目信息172以及QR支付代码171以供用户快拍来用于飞机上娱乐活动的启动。作为另一例子,广告牌、壁挂、海报、商店内广告、临时围墙等等,例如180,可包括用于产品/服务的报价,以及包括商家信息和标识购买量的产品信息的QR代码等。用户可利用链接到该用户的虚拟钱包的用户的移动设备来对该QR代码拍快照,以购买该产品和/或服务,以及,如果合适,该产品可以被直接按照与该支付网络交换的作为用户的移动设备发送的购买请求的一部分的购买信息说明的地址运往用户地址处。作为另一例子,报纸,例如185,可包括报价、广告、工作邮寄等,其包含有QR代码,例如186,其中包含有用户利用支付网络发起购买交易所必须的信息。应该理解的是,在此处论述的任何其它实现方式和/或他们的等价物中,可以使用实现此处实现方式中论述的快拍移动支付的任何方面,和/或他们的等价物。
参见附图1E-F,在一些实现方式中,处理购买交易所需的数据可以通过替换QR代码的方法来提供,包括但不限于:近场通信(NFC)、Wi-FiTM、蓝牙TM、蜂窝网络、SMS、电子邮件、文本消息和/或其它通信协议。例如,在一些实现方式中,通过在客户端设备上执行的网络浏览器进行在线购物的用户,例如190,可能希望从在线商店网站(例如191)对物品的购买进行支付。该网站可包括用户界面元件,用户可激活其来发起购物结帐和支付。当该用户激活该用户元件时,显示在线购物网站的客户端可提供消息给商家的服务器来发起 安全购买交易处理。运行该在线购物网站的商家服务器可建立安全连接(例如安全套接字层连接)到支付网络(例如192)的支付网络服务器。并且,该支付网络服务器可建立安全连接到该客户端。例如,该客户端可包括安全I/O芯片,其仅仅允许通过该客户端和该支付网络的支付网络服务器建立安全连接。通过安全连接,该支付网络服务器可提供指令到该客户端来请求用户启动该用户的用户设备上的虚拟钱包移动应用,参见例如附图1F,196。该客户端可因此提供请求给用户来启动该用户的用户设备(例如193)上的虚拟钱包移动应用。当用户启动该用户设备上的虚拟钱包移动应用时,该用户设备和该客户端可互相建立安全连接(例如通过蓝牙TM、Wi-Fi、蜂窝等等)。在一些实现方式中,该客户端和用户设备可以被预先配置来互相快速地建立该安全通信通道。通过该安全通信通道,该客户端可提供数据给用户的移动设备,或反之亦然,来帮助该购买交易的启动。该用户的移动设备(或客户端)上的虚拟钱包应用然后可以产生购买交易启动消息并提供这消息到支付网络服务器以用于处理该购买交易。当交易处理完成时,支付网络服务器可提供支付完成的通知到该客户端,例如附图1F的197,或到该用户设备。
图2A-F示出了在该SNAP的一些实施例中,示出帮助快拍移动支付的快拍移动支付应用的示例特征的应用程序用户界面图。参见附图2A,在一些实现方式中,用户可能希望对存储在在线商家网站的虚拟购物车中一个或多个物品结帐。例如,用户可以使用浏览器应用,例如201,来视觉化该商家网站的结帐页面,例如202。该结帐网页可描述该结帐定单的细节,例如203,并可为用户提供一个或多个选项来为存储物品的购买提供支付。在一些实现方式中,该结帐网页可包括选项来使用快拍移动支付过程支付该购买,例如204。
参见附图2B,在一些实现方式中,当选择使用该快拍移动支付过程的选项时,商家结帐网页,例如206,可通过该浏览器应用205提供QR代码,例如209,其包括有关虚拟购物车中物品的信息和商家信息以便支付网络处理该购买交易(例如链接到商家的收单机构金融账户的私人记号/别名)。在一些实现方式中,该网页可以通过用户的信任计算设备的安全显示器来显示。例如,作为安全措施,该显示器内的QR代码框架的位置,例如207,可以被随机地改变来防止该QR代码的快照被通过欺诈手段(例如对该信任计算设备的篡改)获得。在一些实现方式中,由用户预先选择的安全图像,例如208,可以被显示在屏幕 上以便用户可验证为是准确的。在一些实现方式中,在提供图像到信任计算设备以前,该图像可以由SNAP加密。在一些实现方式中,信任计算设备可以是保存解密并且成功地在安全显示器上向用户显示该图像的所需要的解密密钥的唯一设备。
参见附图2C,在一些实现方式中,这种包含QR代码的商家产品信息可以被销售点(“POS”)终端使用,例如210a-b。例如,在实体店中,当该用户指示其希望对用户的物理购物车中的物品结账时,POS终端可显示QR代码,例如211a-b,其包括购买支付金额,例如212a-b。例如,该QR代码可包括根据可扩展标记语言(“XML”)格式化的数据,诸如以下示例的数据结构:
参见附图2D,在一些实现方式中,用户可使用智能电话(例如213)获得被显示在安全显示器或该POS终端的屏幕上的该QR代码的快照。例如,该用 户的智能电话可以在其上运行以检测和捕捉QR代码(例如216a)的应用,例如214。例如,该用户可使用注册特征,例如215,来在该智能电话的显示器内对其该QR代码。在一些实现方式中,该应用可为用户提供放大(例如217)或缩小(例如218)该QR代码的能力,来确保该QR代码的图像符合该智能电话的屏幕的尺寸。当在该智能电话的显示器内对其QR代码时,用户将能使用用户界面元件例如219来获得该QR代码的快照。该用户可使用该智能电话的显示器上的用户界面元件220取消该快拍移动支付过程。
参见附图2E,在一些实现方式中,当获得该商家产品QR代码的快照时,用户的智能电话可提取存储在该QR代码内的产品以及商家数据,并使用链接到该用户的智能电话的用户虚拟钱包的账号来产生购买交易请求,以用于由支付网络处理。当完成由该支付网络使用由该用户的智能电话提供的信息处理该支付交易时,商家网站222(通过该浏览器应用221)可为该用户提供购买收据225。参见附图2F,在其中用户在实体店使用该快拍移动支付过程的实现方式中,该POS终端可为用户显示购买收据。在一些实现方式中,该支付网络可直接给该用户的智能电话提供买方收据。
图3A-E示出了在该SNAP的一些实施例中,举例说明用于捕获产品条型码、保证用户数据安全并防止欺诈的快拍移动支付应用的示例部件的应用程序用户界面图。参见附图3A,在一些实现方式中,在用户的设备上执行的应用可包括为该用户提供各个特征的应用接口。在一些实现方式中,该应用可以被配置为识别产品标识符(例如条型码、QR代码等等),例如301。例如,该应用可以被配置为捕捉商家产品QR代码以用于快拍移动支付处理,如上参考附图2A-F所讨论的。在一些实现方式中,可能需要用户登陆到该应用来启动它的特征。一旦被启动,摄像机可为该用户提供亲身般一次轻敲购买特征。例如,该客户端设备可具有摄像机,应用通过其可获取图像,视频数据、流现场视频等,例如303。该应用可以被配置为分析输入数据并检索(例如301)产品标识符,例如304,诸如QR代码209、211a-b、216a和227。在一些实现方式中,该应用可覆盖十字线、目标框,和/或类似对准参考标记,例如305,以便用户可使用该参考标记对准该产品标识符,从而帮助产品标识符的识别和解释。在一些实现方式中,该应用可包括接口元件来允许用户在产品识别模式和产品报价接口显示屏幕之间来回切换(参见例如306),以便用户在捕捉产品标识符以前 可准确地研究对用户可用的交易。在一些实现方式中,该应用可为用户提供浏览先前的产品标识符捕捉(参见例如307)的能力,以便该用户将能更好地决定哪个产品标识符是用户希望捕捉的。在一些实现方式中,用户可能希望取消产品购买;该应用可为用户提供用户界面元件(例如308)来取消产品标识符识别过程并返回到用户原来使用的先前界面屏幕。在一些实现方式中,可以例如以列表形式(参见例如309)为该用户提供关于产品、用户设置、商家、报价等的信息,以便用户可以更好理解用户的购买选项。在应用中可提供各种其他特征(参见例如310)。
参见附图3B,在一些实现方式中,该应用可包括用户的位置的指示(例如商家商店的名称、地理位置,与商家商店内的走廊有关的信息,等等),例如311。该应用可提供用于产品购买的应付金额的指示,例如312。在一些实现方式中,该应用可为用户提供各种选项来支付用于购买产品的金额。例如,该应用可使用GPS坐标来确定该用户所在的商家商店,并指引用户到该商家的网站。在一些实现方式中,SNAP可提供API来直接参与商家以帮助交易处理。在一些实现方式中,标记商家的SNAP应用可以被开发具有SNAP功能,其可直接连接用户到商家的交易处理系统。例如,用户可从各个卡供应商(例如313)的多个卡(例如信用卡、借记卡、预付卡等等)中选择。在一些实现方式中,该应用可给用户提供选项来使用包括在用户的银行帐户例如支票、存款、金融市场、当前帐户等等(例如314)中的资金支付购买金额。在一些实现方式中,用户可以通过该应用设置默认选项来设置哪个卡、银行帐户等要用于该购买交易。在一些实现方式中,这种缺省选项的设置可允许用户通过单个点击、轻敲、扫和/或其它校正的用户输入动作发起该购买交易,例如315a。在一些实现方式中,当用户使用这种选项的时候,该应用可使用该用户的默认设置来发起该购买交易。在一些实现方式中,该应用允许用户使用其它帐号(例如GoogleTM结帐,PaypalTM帐号等等)来支付该购买交易,例如316。在一些实现方式中,该应用允许用户使用回报点、航线里程、旅馆积分、电子优惠券、打印的优惠券(例如通过与产品标识符相似的方式捕捉打印的优惠券)等等来支付该购买交易,例如317-318。在一些实现方式中,该应用在发起购买交易以前提供选项来提供快速授权,例如319。在一些实现方式中,该应用可在用户已经选择某选项来发起该购买交易以后提供进度指示符来提供关于该交易的进度的指示,例如320。在一些实现方式中,该应用可给用户提供关于该用户先前通过该应用进行的购买的历史信息,例如321。在一些实现方式中,该应用可给用户提供选项来与其它用户共享关于该购买的信息(例如,通过电子邮件、SMS、上的墙贴、TwitterTM上的推特,等等)和/或控制与商家、收单机构、支付网络等等共享的信息,以处理该购买交易,例如322。在一些实现方式中,该应用可给用户提供选项来显示由客户端设备捕捉的产品识别信息(例如以便在离开商店时显示该产品信息的客户服务代表),例如324。在一些实现方式中,该用户、应用、设备和/或SNAP在处理中可能遇到错误。在这种情况中,用户将能和客户服务代表聊天(例如VerifyChat323)来解决该购买交易过程中的困难。
在一些实现方式中,用户可选择使用一次性的匿名信用卡号码来进行交易,例如参见315b。例如SNAP可使用一组预先指定的匿名卡细节(参见,例如“AnonCard1”,“AnonCard2”)。作为另一例子,SNAP可能例如实时产生一组一次性的不记名卡细节来安全地完成购买交易(例如Anon It 1X)。在这种实现方式中,该应用可自动设置用户简档设置,以便用户的任何个人识别信息将不能被提供给商家和/或其它实体。在一些实现方式中,用户需要输入用户名和密码来启动不记名特征。
参见附图3C,在一些实现方式中,该快拍移动支付应用的用户界面元件可以有利地被配置成以应用于该用户的移动设备的最小数量的用户手势来为用户提供利用自定义支付参数处理购买的能力。例如,可以为用户提供超负荷用户界面元件,例如325-326。例如,如果用户在包括在用户的移动设备中的摄像机的视角内具有QR支付代码,那么该用户可激活元件325来给QR代码拍快照并使用预先确定的默认设置来基于该QR代码处理该购买。然而,如果用户希望自定义支付参数,那么该用户可启动用户界面元件326(例如按压并连续保持)。这样做时,该应用可提供弹出菜单,例如327,其提供各种支付定制选择,诸如先前提供的那些。例如,用户可拖动用户手指到用户喜欢的适当设置,并从用户的移动设备的触摸屏释放用户手指来选择该设置用于支付处理。在可选实现方式中,该支付设置选项,例如330,以及QR捕捉激活按钮,例如328a-b(例如328b可提供比显示在初始屏幕中的那些甚至更多的设置)可以和窗口(例如329)一起被包括在用户界面中,以用于通过移动设备的摄像机捕捉该QR代码。在作为替代的实现方式中,该用户的移动设备可产生混合QR代码 支付设置图形,并且POS终端(或用户的信任计算设备)可捕捉该整个图形用于支付处理。
参见附图3D,在一些实现方式中,用户可以有利地能够在产生用于购买交易的QR代码的设备中提供用户设置,然后使用该用户的移动设备捕捉该QR代码。例如,销售点终端的显示设备可以显示结帐屏幕,诸如在客户端上运行的网络浏览器,例如331,显示在线购物网站的结帐网页,例如332。在一些实现方式中,结帐屏幕可提供用户界面元件,例如333a-b,借此用户可以指示使用快拍移动支付的希望。例如,如果用户激活元件331a,该网站可使用用户的默认设置产生QR代码,并在客户端的屏幕上显示该QR代码(例如335)来便于用户使用用户的移动设备捕捉。在一些实现方式中,用户能激活用户界面元件,例如333b,借此客户端可显示具有用户可从中选择的附加选项的弹出菜单,例如334。例如,网站可给用户提供与上述参见附图3B-C的说明中所讨论的相似的选项。在一些实现方式中,当用户修改通过激活该用户界面元件333b而提供的设置时,该网站可实时修改该QR代码335。一旦用户已经使用弹出菜单修改了设置,用户就可捕捉该QR代码的快照来发起购买交易处理。
参见附图3E,在一些实现方式中,SNAP可向用户提供用户界面来修改用户的快拍移动支付设置。例如,该SNAP可提供网络界面,例如341。例如,用户能使用该网络界面修改该用户的虚拟钱包的安全设置,例如342。例如,该用户可浏览信任设备的列表,例如344,用户通过该列表可访问该用户的虚拟钱包。在一些实现方式中,该网络界面可提供用户界面元件来添加信任设备,例如343。该网络界面也可以为用户提供附加安全选项。例如,该用户能够设置安全密码(例如345),更改关于在授权购买交易以前用户何时应被询问的设置(例如346),安全特征的表示的类型/风格(例如347),以及将被显示在快拍移动支付中使用的终端上的安全图像(例如348)。在各个实现方式中,用户能访问包括修改用户简档、帐号、帐号偏好、添加卡、获得报价以及优惠券、定位ATM机等等的其它服务。
图4A-D示出了在该SNAP的一些实施例中,说明示例快拍移动支付过程的数据流程图。参见附图4A,在一些实现方式中,例如401的用户可能希望通过商家在线站点或商家的商店,从例如403的商家购买产品、服务、报价等(“产品”)。用户可通过客户端,诸如但不局限于个人计算机、移动设备、电视、销 售点终端、商亭、ATM等(例如402),与例如403的商家服务器通信。例如,用户可提供指示用户希望购买产品的用户输入(例如结帐输入411)到客户端中。例如,商家商店中的用户可通过在销售点终端的条形码扫描器扫描产品的产品条型码。作为另一例子,用户可从商家网站的网页目录选择产品,并添加产品到该商家网站上的虚拟购物车。用户然后可以指示用户希望结帐该(虚拟)购物车中的物品。客户端可产生例如412的结帐请求,并提供该结帐请求(例如413)到商家服务器。例如,客户端可以以根据可扩展标记语言(XML)格式化的数据的形式为商家服务器提供包括产品细节的(安全)超文本传输协议(“HTTP(S)”)GET消息。以下是用于商家服务器的包括XML格式的结帐请求的示例HTTP(S)GET消息:
在一些实现方式中,该商家服务器可从客户端获得该结帐请求,并从该结帐请求提取该结帐细节(例如,XML数据)。例如,商家服务器可使用解析器,诸如如下参见附图14所论述的示例解析器。该商家服务器可从该结帐请求提取 该产品数据以及客户端数据。在一些实现方式中,该商家服务器可查询(例如414)商家数据库(例如404)来获得产品数据(例如415),诸如产品定价、营业税、报价、折扣、回报和/或其它信息来处理该购买交易。例如,数据库可以是响应于结构化查询语言(“SQL”)命令的关系型数据库。商家服务器可执行包括SQL命令的超文本预处理器(“PHP”)脚本来查询产品数据的数据库。以下提供了说明查询数据库的实质方面的示例性PHP/SQL命令列表:
在一些实现方式中,响应于获得产品数据,商家服务器可根据用户的安全设置(参见例如358)产生(例如416a)QR支付代码和/或安全显示元件。该商家服务器可提供该QR代码到客户端,以便客户端可显示该QR代码,然后用户就可使用用户的设备捕捉该QR代码来获得商家和/或产品数据,以用于产生购买交易处理请求。在作为替代的实现方式中,商家服务器可指引客户端通过作为替代的通信协议(诸如但不局限于:Wi-FiTM、蓝牙TM、蜂窝网络、SMS、电子邮件和/或类似通信协议)来传递处理该交易所需的产品和/或商家数据到用户的设备。例如,商家服务器可指引客户端来在它的系统上发起插件,以提供作为替代的通信业务,并通过该通信业务传输该产品和/或商家数据到用户的设备。
在使用QR代码的实现方式中,商家服务器可产生包含支付网络处理购买交易所需的产品信息以及商家信息的QR代码。在一些实现方式中,该QR代码可至少包括捕捉该QR代码的用户设备所需的信息来产生购买交易处理请求,诸如商家标识符(例如,商家ID号、商家名称、商店ID等等)以及用于与商店网站/实体店相关联的用户购物会话的会话标识符。
在一些实现方式中,该商家服务器可实时产生自定义的、用户指定的商家产品XML数据结构,该数据结构具有限制时间的有效期,诸如以下提供的示例性“QR_data”XML数据结构:
在一些实现方式中,该XML数据可包括句柄、别名、记号或指向存储在支付网络服务器上的信息的指针,而不是编码发起该交易所需的所有实际数据,以便编码到该QR代码中的信息可以有利地被最小化。在一些实现方式中,该商家可使用该XML数据产生QR代码。例如,商家服务器可使用在http://phpqrcode.sourceforge.net/可用的PHP QR代码开源(LGPL)库用于产生QR代码、2维条型码。例如,该商家服务器可发布与以下提供的示例性命令相似的PHP命令:
<?PHP
header(′Content-Type:text/plain′);
//Create OR code image using data stored in Sdata variable
QRoode::png(Sdata,′qxcodeimg.png′);
?>
在作为替代的实现方式中,该商家服务器可随着请求一起提供(例如416b)XML数据到支付网络服务器(例如406)来产生QR代码。例如,商家服务器 使用API调用到该支付网络服务器来请求QR代码的生成。支付网络服务器可产生用于该商家服务器的QR代码,例如416c,并提供(例如416d)该QR代码到该商家服务器。例如,支付网络服务器可将由商家提供的信息编码到QR代码中,并且也可有利地将安全信息、时间有效性信息、数字证书信息、不记名发货消息、QR代码产生/处理付费信息等等编码到该QR代码中。
在一些实现方式中,支付网络服务器为商家服务器提供加密密钥(例如Rivest-Shamir-Adleman(RSA)私有/公共密钥,数字证书)。商家可使用该加密密钥来加密该自定义的、用户特定的商家产品XML数据结构,以产生加密的购买数据(例如使用RSA算法)。该商家服务器然后可以将该加密的数据编码到QR代码中。在各种实施例中,对于与用户-商家购物会话相关的任何交易处理请求,该支付网络服务器可有利地采用这种方案来验证商家。
在一些实现方式中,可以向用户设备提供预先设计的与验证、预先验证的商家相关联的QR代码。例如,用户可以在用户的设备上浏览在线网站。该用户设备可从网页服务器产生用于网页的HTTP(S)GET请求。在一些实现方式中,该网页服务器可响应于该用户设备的对网页的请求,产生用于广告的查询来显示在该网页上。例如,网页服务器可检索数据库或提供请求到广告网络服务器(例如,Akamai)来提供用于嵌入到该网页中的广告。在一些实现方式中,该广告网络服务器可使用从网页服务器中获得的关键字、元数据等(例如,与该网页相关联的关键字或元数据、用户简档信息、用户ID、来自存储在该用户设备上的cookie的用户浏览历史,等等)。该广告网络可使用关键字来产生与该关键字相关联的广告的数据库的查询,并且可获得广告来提供。在一些实现方式中,该广告网络服务器可提供(例如通过API调用)关于这种广告的信息(例如,商家名称,商家ID,产品名称,产品价格信息,相关报价,等等)到支付网络服务器。该支付网络服务器可基于由该广告网络服务器提供的信息产生QR代码,以便用户设备可对该QR代码拍快照来发起与该QR代码(例如,由该广告网络服务器提供到该支付网络服务器的)相关联的货物和/或服务的购买交易。广告网络服务器可提供该QR作为广告的一部分到该网页服务器,网页服务器又可在向用户设备提供网页以前,嵌入包括该QR代码的广告到该网页中。在作为替代的实现方式中,广告网络服务器/网页服务器可传输该QR代码(最终的)的URL或其它标识符到用户设备,并且该用户设备可使用该QR代码的URL(例如,托管在该支付网络服务器上)产生调用(例如HTTP(S)GET请求)来获得该QR代码并为用户显示它。
在一些实现方式中,商家服务器可提供该QR代码到该客户端,例如417。例如,商家服务器可提供包括引用该QR代码图像和/或安全元件图像的超文本标记语言(“HTML”)页面,诸如以下示例性的HTML页面:
在一些实现方式中,客户端可获得该QR支付代码(例如417)并在与客户端设备相关联的显示屏幕上显示该QR代码(例如418)。在一些实现方式中,用户可使用用户设备,例如405,来捕捉由该客户端设备呈现的QR代码以用于支付处理。例如,用户可提供支付输入到用户设备例如419中。在各个实现方式中,用户输入可包括但不局限于:触摸屏接口的单次轻敲(例如,一次轻敲移动应用购买实施例)、键盘输入、扫卡、在该用户设备内激活支持RFID/NFC的硬件设备(例如,具有多个帐号的电子卡、智能电话、书写板等等)、鼠标点击、在操纵杆/游戏控制台上压下按钮、语音命令、触敏接口上的单次/多次触摸手势、触动触敏显示器上的用户界面元件,等等。例如,用户设备可从用户卡(例如信用卡、借记卡、预付卡、赊帐卡等等)获得追踪数据,诸如以下提供的示例性追踪数据:
在一些实现方式中,用户设备可确定图像是否已经捕捉了描述QR代码。根据是否已经捕捉了QR代码,以及(可选地)也根据该QR代码的内容,该用户设备可重定向用户(例如通过在该用户设备上执行的网页浏览器应用)到:产品、商家网站、商家网站上的产品、网站以及包括命令来添加物品到与该网站相关联的用户购物车等。例如,用户设备可执行一部件,诸如如下参见附图6A-B的讨论所描述的示例性快速响应代码处理(“QRCP”)部件600。
在一些实现方式中,当获得用户支付输入并捕捉了QR代码时,该用户设备可以产生用于提供到支付网络服务器的卡授权请求420(例如,如果该QR代码包括购买优惠券、报价、发货单、来自另一个虚拟钱包用户的个人支付等 等)。例如,用户设备可以以XML格式的数据的形式提供代表该用户的卡授权请求(例如421)、包括用于支付网络服务器的产品订购细节的HTTP(S)GET消息(例如406)。以下是用于该支付网络服务器的包括XML格式的卡授权请求的示例性HTTP(S)GET消息:
在一些实现方式中,由用户设备产生的卡授权请求可包括处理该购买交易所需的最少信息。例如,这可提高传递该购买交易请求的效率,并且也可以有 利地提高提供到该用户和/或商家的隐私保护。例如,在一些实现方式中,该卡授权请求可至少包括商家ID、用于用户和商家的购物会话的会话ID,以及链接到该用户的虚拟钱包的用户设备(例如智能电话)的设备ID。在一些实现方式中,发送到/来自于该QR代码捕捉设备的QR代码和消息可包括源ID(例如产生该QR代码的设备的标识符)、会话ID、商家ID、物品ID(例如型号)、结帐金额,和/或交易设备ID(例如,用户的智能电话设备)。
在一些实现方式中,卡授权请求可以由该商家服务器或销售点终端提供,而不是用户设备。在一些实现方式中,期望安全的用户可通过该用户设备请求支付网络服务器以便动态地产生将在该购买交易中与该用户的主要帐户号
(“PAN”,例如,信用卡号码)一起使用的卡验证值代码(dCVVTM)。作为响应,该支付网络服务器可产生dCVVTM代码(例如,使用随机数生成、输入键的MD5散列,其可以利用用户ID、商家ID、会话ID、时间戳、它们的组合等产生),并为该用户提供会话特定的dCVVTM代码来与用户的PAN号码一起使用。例如,会话特定的dCVVTM代码可以具有期满时间(例如,从发布开始的一分钟内失效)。该用户设备可(例如,通过蓝牙TM、NFC、Wi-Fi、蜂窝、QR代码等等)将该PAN和dCVV传递到销售点终端,销售点终端可创建卡授权请求。例如,该用户设备可产生嵌有该PAN和dCVV号码的QR支付代码,并且销售点终端可对该用户设备产生的QR支付代码的图像拍快照。该销售点终端然后可以产生和提供该卡授权请求到支付网络服务器。该支付网络服务器然后可以比较从商家获得的dCVV和在该购买交易被发起以前提供到该用户设备的dCVV来确认该交易。如果来自该两个源(支付网络服务器和商家)的dCVV代码互相正确地对应,那么该支付网络服务器可继续处理该购买交易。
在一些实现方式中,该来自用户设备的卡授权请求可包括从该QR代码提取的加密数据,其可以已经由该商家服务器作为商家验证方案的一部分而加密。在一些实现方式中,该支付网络服务器可从由用户设备提供的卡授权请求获得加密数据,并试图解密该加密数据,例如,利用RSA私有/公共密钥,其对于支付网络服务器开始提供给商家服务器用于在嵌入到该QR代码中以前加密购买数据的密钥是互补的。如果支付网络服务器能够解密该购买数据,那么商家被认证为有效商家。在一些实现方式中,支付网络服务器可以比较从该卡授权解密的购买数据和由用户/用户设备提供的数据,以确定来自这些不同源(用户/ 用户设备,和商家)的数据是否互相正确地对应。因此,在一些实现方式中,该支付网络服务器能验证该商家,并在处理交易以前关联该商家到特定的用户会话或用户设备。
在一些实现方式中,支付网络服务器可提供通知给用户设备,通知该交易被验证并批准交易。在作为替代的实现方式中,支付网络服务器可继续进行交易处理。在一些实现方式中,当标识用户处于与商家会话中时,支付网络服务器可以与用户设备通信来为用户提供额外的特征。例如,在一些实现方式中,支付网络服务器可提供与用户设备的通信(例如,通过HTTP(S)POST消息),以提供:商家的虚拟店面;与包括在卡授权请求中的产品相关联的商家的走廊的描述、相关物品的列表等(参见,例如附图8E-G以及附加实施例的以下描述)。
参见附图4B,在一些实现方式中,支付网络服务器可处理交易以便转帐购买资金到存储在商家的收单机构上的帐户中。例如,收单机构可以是维护商家的帐户的金融机构。例如,由商家处理的交易结果可以被存放到由收单机构的服务器维护的帐户中。
在一些实现方式中,该支付网络服务器可以为对应于用户所选的支付选项的发布方服务器产生查询,例如422。例如,用户的帐户可以被链接到一个或多个发布用户的帐户的发布方金融机构(“发布方”),诸如银行机构。例如,这种帐户包括但不局限于:信用卡、借记卡、预付卡、支票、存款、金融市场、存款凭证、积蓄(现金)值帐户等。发布方的发布方服务器,例如4o8a–n,可保持用户帐号的细节。在一些实现方式中,例如支付网络数据库407的数据库可存储与发布方相关联的发布方服务器的细节。例如,该数据库可以是响应于结构化查询语言(“SQL”)命令的关系型数据库。该支付网络服务器可为了发布方服务器细节而查询支付网络数据库。例如,该支付网络服务器可执行包括SQL命令的超文本预处理器(“PHP”)脚本来查询数据库以查询发布方服务器的细节。以下提供了说明查询数据库的实质方面的示例性PHP/SQL命令列表:
响应于获得该发布方服务器查询,例如422,该支付网络数据库可提供所请求的发布方服务器数据到支付网络服务器,例如423。在一些实现方式中,支付网络服务器可使用发布方服务器数据来为基于与该用户的虚拟钱包相关联的预定义的支付设置和/或用户的支付选项输入而选择的每个发布方服务器产生授权请求,例如424,并提供卡授权请求,例如425a-n到该发布方服务器,例如408a-n。在一些实现方式中,授权请求可包括细节,诸如但不局限于:包含在交易中的对用户的成本、用户的卡帐户细节、用户帐单和/或发货信息,等。例如,支付网络服务器可提供包括与以下提供的示例性列表相似的XML格式的授权请求的HTTP(S)POST消息:
在一些实现方式中,发布方服务器可解析该授权请求,并基于该请求细节可查询数据库,例如用户简档数据库409a-n,以查询与链接到该用户的账户相关联的数据。例如,发布方服务器可发布与以下提供的示例相似的PHP/SQL命令:
在一些实现方式中,在获得该用户数据后,例如427a-n,该发布方服务器可确定用户是否可以利用帐户上可用的资金支付该交易,例如428a-n。例如,发布方服务器可确定用户在帐户中是否具有足够的余额剩余、与该帐户相关联的足够信用等。基于该确定,发布方服务器可提供授权响应到支付网络服务器,例如,429a-n。例如,发布方服务器可提供与上面示例相似的HTTP(S)POST消息。在一些实现方式中,如果至少一个发布方服务器确定用户不能利用帐户中的可用资金支付该交易,参见例如430-431,那么该支付网络服务器可再次从用户请求支付选项(例如,通过提供授权失败消息431到用户设备并请求用户设备提供新支付选项),并再尝试该购买交易的授权。在一些实现方式中,如果授权尝试的失败次数超出阈值,该支付网络服务器可退出授权处理,并提供“授权失败”消息到商家服务器、用户设备和/或客户端。
参见附图4C,在一些实现方式中,支付网络服务器可获得包括成功授权的通知的授权消息,参见例如430、433,并解析该消息以提取授权细节。当确定用户拥有足够的交易资金时,支付网络服务器可根据该授权请求和/或授权响应产生交易数据记录,例如432,并在交易数据库中存储该交易的细节和关于该交易的授权。例如,支付网络服务器可发布与以下示例列表相似的PHP/SQL命令来在数据库中存储交易数据:
在一些实现方式中,支付网络服务器可转发授权成功消息,例如433a–b,到用户设备和/或商家服务器。商家可获得该授权消息并根据它确定用户在卡帐户中拥有足够的资金来进行该交易。该商家服务器可为用户添加交易记录到关于授权的交易的一批交易数据。例如,该商家可附加关于该用户交易的XML数据到包括用于已经为各个用户授权的交易的XML数据的XML数据文件,例如434,并在数据库(例如商家数据库404)中存储该XML数据文件,例如435。例如,批XML数据文件可以是与以下提供的示例XML数据结构模板相似的结构:
<?XML version="1.0"encoding="UTF-8"?>
<merchant_data>
<merchant_id>3FBCR4INC</merchant_id>
<merchant_name>Books&Things,Inc.</merchant_name>
<merchant_auth_key>lNNF484MCP59CHB27365</merchant_auth_key>
<account_number>123456789</account_number>
</merchant_data>
<transaction_data>
<transaction 1>
…
</transaction 1>
<transaction 2>
…
</transaction 2>
.
.
.
<transaction n>
…
</transaction n>
</transaction data>
在一些实现方式中,服务器也可以产生购买收据,例如434,并提供该购买收据到客户端,例如436。该客户端可为用户呈递并显示该购买收据,例如437a。在一些实现方式中,用户设备405也可以提供成功授权的通知到用户,例如437b。例如,客户端/用户设备可呈递网页、电子消息、文本/SMS消息、缓冲语音邮件、发出铃声、和/或播放音频消息等等,并提供包括但不限于以下各项的输出:声音、音乐、音频、视频、图像、触觉反馈、振动警告(例如,诸如智能电话等的支持振动的客户端设备),等等。
参见附图4D,在一些实现方式中,商家服务器可发起一批授权交易的清算。例如,商家服务器可产生批数据请求,例如438,并提供该请求,例如439,到例如商家数据库404的数据库。例如,商家服务器可使用与上面提供的示例相似的PHP/SQL命令来查询关系数据库。响应于该批数据请求,该数据库可提供所请求的批数据,例如440。服务器可利用从数据库中获得的批数据产生批清算请求,例如441,并提供(例如442)该批清算请求到收单机构服务器,例如410。例如,商家服务器可为收单机构服务器提供在消息主体中包括XML格式的批数据的HTTP(S)POST消息。该收单机构服务器可利用所获得的批清算请求产生批支付请求,例如443,并提供该批支付请求到支付网络服务器,例如444。支付网络服务器可解析该批支付请求并为存储在该批支付请求中的每个交易提取交易数据,例如445。支付网络服务器可在例如支付网络数据库407的数据库中为每个交易存储交易数据,例如446。对于每个提取的交易,支付网络服务器可查询例如支付网络数据库407的数据库,例如447–448,以查询发布方服务器的地址。例如,支付网络服务器可使用与上面提供的示例相似的PHP/SQL命令。支付网络服务器可为每个被提取了交易数据的交易产生单个支付请求,例如449,并提供该单个支付请求(例如450)到发布方服务器(例如408)。例如,支付网络服务器可提供与以下示例相似的HTTP(S)POST请求:
在一些实现方式中,发布方服务器产生可产生支付命令,例如451。例如,发布方服务器可发布命令来从用户帐户扣除资金(或添加费用到用户信用卡帐户)。该发布方服务器可发布支付命令(例如452)到存储该用户帐户信息的数据库,例如,用户简档数据库409。发布方服务器可提供资金转帐消息(例如453)到支付网络服务器,支付网络服务器其可转发(例如454)该资金转帐消息到收单机构服务器。下面提供示例性HTTP(S)POST资金转帐消息:
POST/clearance.php HTTP/1.1
Host:www.acquirer.com
Content-Type:Application/XML
Content-Length:206
<?XML version="1.0"encoding="UTF-8"?>
<deposit_ack>
<request_ID>CNI4ICNW2</request_ID>
<clear_flag>true</clear_flag>
<timestamp>2011-02-22 17:00:02</timestamp>
<deposit_amount>$34.78</deposit_amount>
</deposit_ack>
在一些实现方式中,收单机构服务器可解析该资金转帐消息,并关联该交易(例如,利用在上述例子中的request_ID字段)到商家。该收单机构服务器然后可以移转资金转帐消息中指定的资金到商家的账户,例如455。
附图5A-E示出了说明在SNAP的一些实施例中,执行快拍移动支付的示例性方面的逻辑流程图,例如快拍移动支付执行(“SMPE”)部件500。参见附图5A,在一些实现方式中,用户可能希望通过商家在线站点或在商家商店中从商家购买产品、服务、报价等(“产品”)。该用户可通过客户端与商家服务器通信。例如,用户可提供用户输入(例如501)到客户端中,指示用户希望结帐(虚拟)购物车中的购物物品。客户端可产生结帐请求,例如502,并提供该结帐请求到商家服务器。商家服务器可从该客户端获得结帐请求,并从该结帐请求提取结帐细节(例如XML数据),例如503。例如,商家服务器可使用诸如如下参见附图14的讨论所描述的示例解析器的解析器。商家服务器从结帐请求中提取该产品数据以及客户端数据。在一些实现方式中,商家服务器可查询(例如504)商家数据库来获得产品数据,例如505,诸如产品价格、营业税、报价、折扣、回报,和/或其它信息来处理该购买交易。
响应于获得该产品数据,该商家服务器可根据用户的安全设置产生(例如506)QR支付代码和/或安全显示元件(参见例如358)。例如,商家服务器可产生包含有支付网络处理该购买交易所要求的产品信息以及商家信息的QR代码。例如,该商家服务器可首先实时产生自定义的、用户特定的具有时间受限的有效期的商家-产品XML数据结构,诸如下面提供的示例性“QR_data”XML数据结构:
在一些实现方式中,商家可利用XML数据产生QR代码。例如,商家服务器可使用在http://phpqrcode.sourceforge.net/可用的PHP QR代码开源(LGPL)库以用于产生QR代码、2维条型码。例如,商家服务器可发布与以下提供的示例性命令相似的PHP命令:
<?PHP
header('Content-Type:text/plain');
//Create QR code image using data stored in $data variable
QRcode::png($data,'qrcodeimg.png');
?>
商家服务器可提供该QR支付代码到客户端,例如506。客户端可获得该QR支付代码,并在与客户端设备相关联的显示屏幕上显示该QR代码,例如507。在一些实现方式中,用户可使用用户设备,例如509,来捕捉由该客户端设备呈现的QR代码以用于支付处理。该客户端设备可解码该QR代码以提取嵌入在该QR代码中的信息。例如,客户端设备可使用在http://code.google.com/p/zxing/可用的应用程序,诸如ZXing多格式1D/2D条型码图像处理库,以从该QR代码提取信息。在一些实现方式中,用户可提供支付输入到用户设备中,例如508。当获得用户购买输入时,该用户设备可产生卡授权请求,例如509,并提供该卡授权请求到支付网络服务器。
参见附图5B,在一些实现方式中,支付网络服务器可解析该卡授权请求, 例如510,并为对应于用户所选的支付选项的发布方服务器产生查询,例如511。在一些实现方式中,支付网络数据库可存储与发布方相关联的发布方服务器的细节。响应于获得该发布方服务器查询,支付网络数据库可提供,例如,512,所请求的发布方服务器数据到该支付网络服务器。在一些实现方式中,该支付网络服务器可使用发布方服务器数据来为每个发布方服务器产生授权请求,例如,425134,并提供卡授权请求到发布方服务器。
在一些实现方式中,发布方服务器可解析该授权请求,并基于该请求的细节,可为与链接到该用户的帐户相关联的数据查询用户简档数据库。在一些实现方式中,当获得该用户数据后,发布方服务器可确定该用户是否可以利用帐户中的可用资金支付交易,例如517。例如,发布方服务器可确定用户是否具有足够余额剩余在账户中、是否具有与该帐户相关联的足够信用等。基于该确定,发布方服务器可提供授权响应到支付网络服务器,例如518。在一些实现方式中,如果至少一个发布方服务器确定(例如519)用户不能利用帐户中的可用资金支付该交易,参见例如520,选项“否”,那么该支付网络服务器可再次从用户请求支付选项(参见例如521,选项“否”,通过提供授权失败消息到用户设备并请求用户设备提供新支付选项),并再尝试该购买交易的授权。在一些实现方式中,如果授权尝试的失败次数超出阈值,参见例如521,选项“是”,那么该支付网络服务器可退出该授权处理,并提供“授权失败”消息到该商家服务器、用户设备和/或客户端,例如522。
在一些实现方式中,该支付网络服务器可获得包括成功授权的通知的授权消息,参见例如520,选项“是”,并解析该消息以提取授权细节。当确定用户拥有足够的交易资金后,支付网络服务器可根据该授权请求和/或授权响应产生交易数据记录,例如523,并在交易数据库中存储该交易的细节和涉及该交易的授权,例如524。
参见附图5C,在一些实现方式中,该支付网络服务器可转发授权成功消息(例如525)到用户设备和/或商家服务器,有时通过收单机构服务器转发,例如526。该商家可解析该授权消息,例如528,并根据它确定用户在卡帐户中拥有足够资金来进行该交易,参见例如529。该商家服务器可为用户添加一条交易记录到涉及授权交易的一批交易数据中,参见例如530-531。在一些实现方式中,该商家服务器也可以产生购买收据,例如532,并提供该购买收据到客户端。 该客户端可为用户呈递并显示该购买收据,例如534。在一些实现方式中,用户设备405也可以提供成功授权的通知给用户。
参见附图5D-E,在一些实现方式中,商家服务器可发起一批授权交易的清算。例如,该商家服务器可产生批数据请求,例如535,并提供该请求(例如536)到数据库,例如商家数据库。响应于该批数据请求,该数据库可提供所请求的批数据,例如536。服务器可利用从数据库获得的批数据产生批清算请求,例如537,并提供该批清算请求到收单机构服务器。收单机构服务器可利用该获得的批清算请求产生(例如539)批支付请求,并提供该批支付请求到该支付网络服务器。该支付网络服务器可解析该批支付请求,并为存储在该批支付请求中的每个交易提取交易数据,例如540-542。该支付网络服务器可为例如支付网络数据库的数据库中的每个交易存储该交易数据,例如543-544。对于每个提取的交易,支付网络服务器可查询(例如545-546)例如支付网络数据库的数据库以查询发布方服务器的地址。该支付网络服务器可为每个被提取交易数据的交易产生单个支付请求,例如547,并提供该单个支付请求到关联的发布方服务器。
在一些实现方式中,发布方服务器可产生支付命令,例如548-549。例如,发布方服务器可发布命令来从用户帐户扣除资金(或添加费用到用户的信用卡帐户)。发布方服务器可发布支付命令到存储用户的帐户信息的数据库(例如用户简档数据库),例如549。该发布方服务器可提供资金转帐消息到可转发该资金转帐消息到收单机构服务器的支付网络服务器,例如551。在一些实现方式中,收单机构服务器可解析该资金转帐消息,并关联该交易(例如,利用在上述例子中的request_ID字段)到商家。该收单机构服务器然后可以移转资金转帐消息中指定的资金到商家的账户,例如553-555。
图6A-B示出了在该SNAP的一些实施例中,说明处理快速响应代码的示例方面的逻辑流程图,例如快速响应代码处理(“QRCP”)部件600。参见附图6A,在一些实现方式中,在用户设备上执行的虚拟钱包应用可确定在操作地连接至该用户设备的照相机获得的图像帧中是否已经捕捉到QR代码,并也可以确定该QR代码的类型、内容。利用这种信息,该虚拟钱包应用可重定向用户的用户体验和/或发起购买、更新该虚拟钱包应用的方面等等。例如,该虚拟钱包应用可通过操作地连接至用户设备的照相机触发图像帧的捕捉,601。该虚拟钱包应用可使用图像分割算法来标识图像中的前景,602,并可裁剪图像的其余部分以减少图像中的背景噪声,603。该虚拟钱包应用可确定前景图像是否包括QR代码,根据该QR代码可以可靠地读取数据(例如,如果图像不包括QR代码,或该QR代码被部分地裁剪、模糊等等可能无法可靠地读取数据),604。例如,该虚拟钱包应用可使用代码库,诸如在http://code.google.com/p/zxing/可获得的比如ZXing多格式1D/2D条形码图像处理库,以尝试并从该QR代码提取信息。如果该虚拟钱包应用能够检测出QR代码(605,选项“是”),那么该虚拟钱包应用可解码该QR代码,并从该QR代码提取数据。如果该虚拟钱包应用不能检测出QR代码(605,选项“否”),那么该虚拟钱包应用可在图像上试图执行光学字符识别。例如,,该虚拟钱包应用可使用在www.pixeltechnology.com/freewarw/tessnet2可获得的Tesseract C++开源OCR引擎,来执行光学字符识别,606。因此该虚拟钱包应用可获得编码在该图像中的数据,并如果该数据可以被虚拟钱包应用处理则可继续进行。该虚拟钱包应用可利用在提取的数据中标识的字段查询数据库,以查询该QR代码类型,608。例如,该QR代码可包括发货单/帐单、优惠券、汇单(例如,P2P移账中的)、新帐户信息包、产品信息、购买命令、URL导航指令、浏览器自动脚本、它们的组合等。
在一些实施例中,该QR代码可包括关于将被添加到该虚拟钱包应用的新帐户的数据(参见609)。该虚拟钱包应用可查询该新帐户(如从提取的数据中获得)的发布方,以查询与该新帐户相关联的数据,610。该虚拟钱包应用可比较发布方提供的数据和从该QR代码提取的数据,611。如果该新帐户被确认(611,选项“是”),则该虚拟钱包应用可利用该新帐户的细节更新该钱包凭证,613,并利用来自该QR代码的数据更新该虚拟钱包应用的快拍历史,614。
参见附图6B,在一些实施例中,该QR代码可包括关于使用该虚拟钱包应用的帐单、发货单或用于购买的优惠券的数据(参见615),该虚拟钱包应用可查询与该购买(如从提取的数据中获得的)相关联的商家,以查询与该帐单、发货单或用于购买的优惠券相关联的数据(例如报价细节、报价ID、期满时间等等),616。该虚拟钱包应用可比较商家提供的数据和从该QR代码提取的数据,617。如果该帐单、发货单或用于购买的优惠券被确认(618,选项“是”),那么该虚拟钱包应用可产生包括该QR编码数据的数据结构(参见例如上述参 考图4-5的说明中的XML QR_data结构)以用于产生并提供卡授权请求,619,并且使用来自该QR代码的数据更新该虚拟钱包应用的快拍历史620。
在一些实施例中,该QR代码可包括用于该虚拟钱包应用的产品信息、命令、用户导航指令等等(参见621)。该虚拟钱包应用可使用编码在QR中的信息查询产品数据库。该虚拟钱包应用可提供各种特征,包括但不限于:显示产品信息、重定向用户到:产品页面、商业网站、商业网站上的产品页面、在商业网站添加物品到用户购物车等等。在一些实现方式中,该虚拟钱包应用可执行诸如上面描述的过程以用于待处理的和/或用户选择用于处理(例如根据快拍历史)的任何图像帧。
图7示出了在该SNAP一些实施例中,说明虚拟钱包应用的示例特征的概述的用户界面图。图7示出了虚拟钱包移动应用700的各种示例性特征的说明。显示的一些特征包括钱包701、经由TWITTER、FACEBOOK等等的社交融合、报价和税703、快拍移动购买704、警告705以及安全、设置和分析796。以下更加详细地探索这些特征。
图8A-G示出了在该SNAP的一些实施例中,说明购物模式中的虚拟钱包应用的示例特征的用户界面图。参见附图8A,该虚拟钱包移动应用的一些实施例帮助并极大地增强了消费者的购物体验。如图8A所示,消费者可获得各种购物模式来细读。在一种实现方式中,例如,用户可通过在用户界面底部选择商店图标810来启动该购物模式。用户可在检索字段812中键入物品来搜索和/或添加物品到购物车811。用户也可以通过说出将被检索和/或添加到购物车的物品的名称或描述到麦克风813中来使用语音激活的购物模式。在进一步的实现方式中,用户也可以选择其它购物选项814,比如当前物品815,帐单816,地址薄817,商家818和本地邻近819。
在一个实施例中,例如,用户可选择选项当前物品815,如图8A的用户界面的最左边所示。当选择了当前物品815选项时,可以显示中间的用户界面。如图所示,中间的用户界面可提供用户的购物车811中的物品815a-h的当前列表。用户可选择一个物品,例如物品815a,来浏览所选物品和/或来自相同商家的其他物品的产品说明815j。也可以随着捕捉实施快拍移动购买交易必需的信息的QR代码815k一起显示价格和总的应付信息。
参见图8B,在另一个实施例中,用户可选择帐单816选项。当选择帐单816 选项后,用户界面可显示来自一个或多个商家的帐单和/或收据816a-h的列表。紧挨着每一个帐单可以显示附加信息,诸如访问日期、是否呈现来自多个商店的物品、最后帐单支付日期、自动支付、物品数量等。在一个例子中,可选择日期为2011年1月20日的钱包购物帐单816a。该钱包购物帐单选择可显示提供关于所选择的帐单的各种信息的用户界面。例如,用户界面可显示购买的物品816k的列表,<<816i>>,物品总数量和相应价值。例如,7个物品价值$102.54处于选择的钱包购物帐单上。用户现在可选择任何物品并选择再次购买来添加购买该物品。用户也可以从最后时间刷新报价816j来清除任何无效的报价和/或搜索可适合当前购买的新报价。如图8B中示出的,用户可选择两个物品用于重复购买。一旦添加,可显示消息816i来确认两个物品的添加,其得出处于购物车14中的物品的总数。
参见图8C,在又一个实施例中,用户可选择地址薄选项817来浏览地址簿817a,其包括联系人817b的列表和产生任何汇款或支付。在一个实施例中,地址簿可使用联系人的姓名和可用的和/或优选的支付模式来标识每个联系人。例如,联系人Amanda G.可以是经由如图标817c表示的社交支付(例如经由FACEBOOK)来支付。在另一个示例中,钱可以经由如QR代码图标817d表示的QR代码被转送到Brian S.。在另一示例中,Charles B.可经由近场通信817e、蓝牙817f和电子邮件817g接受支付。支付也可以经由USB 817h(例如,通过两个移动设备的物理连接)和其它诸如TWITTER的社交渠道进行。
在一种实现方式中,用户可选择JoeP.来支付。如用户界面中所示,紧挨着Joe P.的名字旁边,JoeP.具有电子邮件图标8i7g,表示Joe P.接受经由电子邮件的支付。当选择他的名字时,用户界面可显示他的联系信息,诸如电子邮件、电话等等。如果用户希望通过非电子邮件的方法对Joe P.支付,则该用户可添加另一个转帐模式817j到他的联系信息并进行支付转帐。参见图8D,用户可以配有屏幕817k,其中用户可以输入金额来发送给Joe,以及添加其它文本来将上下文提供给Joe以用于支付交易817l。用户可以通过图形用户界面元件817m选择可以联系Joe的模式(例如SMS、电子邮件、社交网络)。作为用户类型,也可以提供文本输入以便在GUI元件817n内浏览。当用户已经完成必要信息的输入时,用户可以按下发送按钮817o来发送该社交消息给Joe。如果Joe也具有虚拟钱包应用,Joe将能在该应用内或直接在该社交网络(例如TwitterTM, 等等)的网站浏览817p社交支付消息。消息可从各个社交网络以及其它源(例如SMS、电子邮件)聚集。适合于每个消息传递方式的兑换方法可以与社交支付消息一起被指示。在图8D的说明中,Joe接收的SMS 817q表示Joe可以通过答复SMS并输入散列标签值“#1234”来兑换经由SMS获得的$5。在相同说明中,Joe已经经由接收到消息817r,其中包括Joe可以激活来启动$25支付的兑换的URL链接。
参见图8E,在一些其它的实施例中,用户可从购物模式中的选项的列表选择商家818来浏览商家818a-e的选择列表。在一种实现方式中,列表中的商家可以与该钱包发生联系,或与钱包具有联系关系。在另一个实现方式中,商家可包括满足用户定义或其他标准的商家列表。例如,该列表可以是用户确定的(curated)一个、用户最频繁购物或花费多于x总量的金额或连续三个月购物的商家等。在一种实现方式中,用户可进一步选择一个商家,例如Amazon 818a。然后用户可以通过商家的清单导航来发现感兴趣的物品,诸如818f-j。直接通过钱包以及在没有从独立的页面访问商家站点的情况下,用户可从Amazon818a的目录选择物品818j。如图8D的用户界面的最右端所示,然后可以将所选物品添加到购物车。消息818k表示所选物品已经被添加到购物车,以及现在购物车中的物品的更新数量是13。
参见附图8F,在一个实施例中,可以有本地邻近选项,其可以由用户选择来浏览地理上非常邻近于用户的商家列表。例如,商家819a–e的列表可以是位置接近于该用户的商家。在一种实现方式中,该移动应用可基于用户的位置进一步标识用户何时在商店中。例如,当用户非常邻近该商店时,位置图标819d可以紧挨着商店(例如,Walggreens)被显示。在一种实现方式中,如果用户离开该商店(例如,Walgreens),该移动应用可周期性地刷新它的位置。在进一步实现方式中,用户可通过该移动应用导航选择的Walgreens商店的报价。例如,用户可使用该移动应用导航到Walgreens的走廊5上可获得的物品819f-j。在一种实现方式中,用户可从他或者她的移动应用选择玉米819i来添加到购物车819k。
参见图8G,在另一个实施例中,本地邻近选项819可包括商店地图,尤其是实时地图特征。例如,当选择Walgreens商店时,用户可启动显示示出商店组织结构和用户位置(由黄色圆圈指示)的地图819m的走廊地图819l。在一 种实现方式中,用户可容易地配置地图来添加一个或多个其它用户(例如,用户的孩子)来共享在商店内的彼此的位置。在另一个实现方式中,用户可以具有选项来在地图中启动类似街道浏览的“商店浏览”。商店浏览819n可显示用户周围的图像/视频。例如,如果用户即将进入走廊5,商店浏览地图可显示走廊5的视图。此外,用户可使用导航工具8190操纵地图的方向来向前、向后、向右、向左,以及顺时针和逆时针方向旋转移动该商店视图。
附图9A-F显示在SNAP的一些实施例中,说明在支付模式中的虚拟钱包应用的示例特征的用户接口图。参见图9A,在一个实施例中,该钱包移动应用可经由钱包模式910给用户提供用于支付交易的多个选项。在一种实现方式中,示出了用于进行支付的示例性用户界面911。该用户界面可清楚地标识用于该交易的金额912和货币913。该金额可以是应付金额并且该货币可包括诸如美元和欧元的真实货币,以及也包括诸如回报点的虚拟货币。交易914的金额也可以被显著地显示在该用户界面上。用户可选择资金标签916来选择一个或多个支付形式917,其可包括各个信用、借记、赠品、回报和/或预付卡。该用户也可以具有利用回报点支付全部或部分的选项。例如,该用户界面上的图形指示符918示出了可用点的数目,该图形指示符919示出了将使用的对应付金额234.56的点数以及该点数在选择的货币(USD,例如)中的等价920。
在一种实现方式中,该用户可从多个源组合资金来支付该交易。显示在该用户界面上的金额915可提供迄今由选择的支付形式(例如,发现卡以及回报点)所覆盖的总资金的金额的指示。用户可选择另一个支付形式或调整将从一个或多个支付形式借记的金额,直到金额915匹配应付金额914。一旦用户定下将从一个或多个支付形式借记的金额,则可开始付款授权。
在一种实现方式中,用户可通过选择隐匿按钮922来选择交易的安全授权,来有效地隐匿或匿名一些(例如预先配置的)或全部识别信息,以便当用户选择支付按钮921的时候,交易授权是以安全且匿名的方式进行的。在另一个实现方式中,用户可选择支付按钮921,其可以使用标准授权技术用于交易处理。在另一实现方式中,当用户选择社交按钮923的时候,关于该交易的消息可以被传递到一个或多个社交网络(由用户建立的),其可在社交论坛中发布或宣布该购买交易,诸如墙报或tweet。在一种实现方式中,用户可选择社交支付处理选项923。该指示符924可示出进行中的授权和发送社交共享数据。
在另一个实现方式中,对于某些购买活动可以激活限制支付模式925,诸如规定购买。可以根据由发布方、保险公司、商家、支付处理方和/或其它实体定义的规则来激活该模式,来帮助特殊货物和服务的处理。在此模式中,用户可按照资金标签向下翻卷支付形式926的列表来选择特殊的帐户,诸如灵活支付帐户(FSA)927、健康储蓄帐户(HAS)等,以及将被记入选择的帐户的金额。在一种实现方式中,这种限制支付模式1925处理可禁止购买信息的社交共享。
在一个实施例中,通过输入资金用户界面928,钱包移动应用可帮助资金的输入。例如,失业的用户可通过钱包移动应用获得失业救济资金929。在一种实现方式中,提供这些资金的实体也可以配置使用这些资金的规则,如处理指示符消息930所示。该钱包可事先读取并应用该规则,并可拒绝未能满足该规则设定的标准的利用该失业基金的任何购买。示例性标准包括,例如,商家种类编码(MCC),交易时间,交易位置等。举例来说,与具有MCC5411的杂货商家的交易是被批准的,而与具有MCC 5813的酒吧商家的交易是被拒绝的。
参见附图9B,在一个实施例中,该钱包移动应用可基于诸如用户位置、偏好以及偏好的币值因素,帮助动态支付优化。例如,当用户处于美国的时候,该国指示符931可显示美国的标记并可将货币933设置为美国。在此外的实现方式,钱包移动应用可自动重排顺序,其中支付形式935被列出以反映各种形式的支付的流行程度或可接受度。在一种实现方式中,该排列可反映用户的偏好,其不能由该钱包移动应用改变。
类似地,当德国用户在德国操作钱包的时候,该移动钱包应用用户界面可以被动态地更新来反映该国的操作932和货币934。在此外的实现方式中,钱包应用可重排顺序,其中不同的支付形式936被基于那个国家的接受水平而列出。当然,这些支付形式的顺序可以由用户更改来适应他或者她自己的偏好。
参见附图9C,在一个实施例中,钱包移动应用用户界面中的收款人标签937可帮助用户选择一个或多个接收在资金标签中选择的资金的收款人。在一种实现方式中,该用户界面可显示全部收款人938的列表,用户已经早先与他们做过交易,或者可以用来交易。用户然后可以选择一个或多个收款人。收款人938可包括较大商家诸如Amazon.com公司,和个人诸如Jane P.Doe。紧挨着每个收款人名字可以显示该收款人接受的支付模式的列表。在一种实现方式中,用户可选择收款人Jane P.Doe 939来接收支付。一旦选择,该用户界面可显示涉 及该收款人的附加标识信息。
参见附图9D,在一个实施例中,模式标签1940可帮助选择该收款人接受的支付模式。多个支付模式可用于选择。示例性模式包括,蓝牙941、无线942、借助用户获得的QR代码的快拍移动943、安全芯片944、TWITTER945、近场通信(NFC)946、蜂窝947、借助用户提供的QR代码的快拍移动948、USB949和FACEBOOK 950,等等。在一种实现方式中,仅仅是由收款人接受的支付模式可以被用户选择。其它非接受的支付模式可以是禁止的。
参见附图9E,在一个实施例中,报价标签951可提供实时报价用于用户选择,其与用户的购物车中的物品有关。用户可从适用报价952的列表选择一个或多个报价用于兑换。在一种实现方式中,一些报价可以被组合,而其它不能。当用户选择不能和其他报价组合的报价的时候,未选择的报价可以被禁止。在另一种实现方式中,由钱包应用的推荐引擎推荐的报价可以由指示符标识,诸如953所显示的那个。在另一种实现方式中,用户可通过扩展报价行来读取报价的细节,如用户界面中的954所示。
参考图9F,在一个实施例中,社交标签955可帮助整合钱包应用与社交渠道956。在一种实现方式中,用户可选择一个或多个社交渠道956并且可以通过提供社交渠道用户名和密码957到钱包应用并且登陆958来登陆以从钱包应用选择社交渠道。用户然后可以通过整合的社交渠道来使用社交按钮959发送或接收金额。在另一种实现方式中,用户可通过整合的社交渠道发送社交共享数据,诸如购买信息或链接。在另一个实施例中,用户提供的登录凭证可允许SNAP来参加截取解析。
图10示出了在该SNAP的一些实施例中,说明历史模式中的虚拟钱包应用的示例特征的用户接口图。在一个实施例中,用户可以选择历史模式1010来浏览先前购买历史并对那些先前购买执行各种动作。例如,用户可在检索条1011中输入商家识别信息,诸如名称、产品、MCC等。在另一个实现方式中,用户可通过点击麦克风图标1014来使用语音激活的检索特征。钱包应用可查询该移动设备或其它地方(例如,远离该移动设备的一个或多个数据库和/或表格)中的存储区域来查询匹配该检索关键词的交易。该用户界面然后可以显示诸如交易1015的查询的结果。用户界面也可以识别该交易的日期1012、涉及该交易的商家以及物品1013、确认进行了交易、该交易的金额和任何其它相关信息的收 据的条型码。
在一种实现方式中,用户可选择例如交易1015的交易来浏览该交易的细节。例如,用户可以浏览与该交易相关联的物品的细节和每个物品的金额1016。在另一种实现方式中,用户可选择显示选项1017来浏览对于该交易或该交易中的物品用户可采取的动作1018。例如,用户可添加照片到该交易(例如用户和用户购买的iPad的图片)。在另一种实现方式中,如果用户早先通过社交渠道共享了该购买,可以产生包括该照片的帖子并发送到该社交渠道用于公布。在一种实现方式中,任何共享可以是可选择的,以及不通过社交渠道共享该购买的用户仍然可以通过他或者她直接从钱包应用的历史模式选择的一个或多个社交渠道共享该照片。在另一个实现方式中,用户可以添加该交易到群组,诸如用户建立的公司开支、家庭开支、差旅开支或其它类别。这种群组可以帮助开支的年终结算、工作开支报告的提交、增值税(VAT)退税的提交、人员开支等。在另一实现方式中,用户可以购买交易中购买的一个或多个物品。用户然后可以在没有去往商家目录或站点来发现该物品的情况下执行交易。在另一种实现方式中,用户也可以在交易中将一个或多个物品放入购物车用于以后购买。
在另一个实施例中,该历史模式可以提供便利以用于获得并显示该交易中的物品的评价1019。该评价的来源可以是用户、用户的朋友(例如,来自社交渠道、联系人等等)、从该网页聚集的浏览等。在一些实现方式中,该用户界面也可以允许用户张贴消息到社交渠道(例如TWITTER或FACEBOOK)的其它用户。例如,显示区域1020显示两个用户之间的FACEBOOK消息交换。在一种实现方式中,用户可通过消息1021共享链接。具有嵌入到产品的链接的这种消息的选择可允许用户浏览该产品的说明和/或直接从历史模式购买该产品。
在一个实施例中,该历史模式也可以包括用于输出收据的工具。输出收据弹出1022可提供用于输出历史中的交易的收据的多个选项。例如,用户可以使用一个或多个选项1025,其包括保存(到本地移动存储器、到服务器、到云帐户等)、打印到打印机、传真、电子邮件等。用户可以使用他或者她的地址簿1023来查找用于输出的电子邮件或传真号码。用户也可以指定格式选项1024用于输出收据。示例性格式选项包括但不限于:文本文件(.doc,.txt,.rtf,.iif等等)、电子数据表(.csv,.xls等等)、图像文件(.jpg,.tff,.png,等等)、便携式文档 格式(.pdf)、附录(.ps)等。用户然后可以点击或轻敲输出按钮1027来启动收据输出。
图11A-F示出了在该SNAP的一些实施例中,说明快拍模式中的虚拟钱包应用的示例特征的用户接口图。参见附图11A,在一些实施例中,用户可以选择快拍模式1101来访问快拍特征。在各种实施例中,虚拟钱包应用能够快拍并识别各种物品。例如,虚拟钱包应用能快拍并识别购买发票1103、优惠券104、钱(例如,个人对个人转帐中发送的)1105、账单(例如,公用事业,等等)1106、收据(例如用于存储,开支报告,等等)1107,支付帐户(例如,以添加新的信用/借计/预付卡到该虚拟钱包应用)1108。用户能够通过激活图形用户界面元件1102而随时返回到购物屏幕。在一些实施例中,用户能设置存储在快拍的物品应被发送到(参见1109)的用户的虚拟钱包应用内的购物车或希望列表的名称。在一些实施例中,该虚拟钱包应用可允许用户创建快拍的物品应被添加到的新的购物车或希望列表。
在一个实施例中,用户可以选择快拍模式1110来访问它的快拍特征。该快拍模式可以处理任何机器可读的数据表示。这种数据的示例可包括线性和2D条形码,诸如UPC码和QR代码。这些代码可以在收据、产品包装等上找到。该快拍模式也可以处理和操作收据、产品、报价、信用卡或其它支付设备等的图片。图11A示出了快拍模式中的示例性用户界面。用户可以使用他或者她的移动电话来对QR代码1115和/或条型码1114拍照。在一种实现方式中,条1113和快拍框1115可以帮助用户正确地对这些代码拍快照。例如,如图所示,快拍框1115未捕捉代码1116的全部。因而,在这次浏览中捕捉的代码不是可解析,因为该代码中的信息可能是不完整的。这通过表示该快拍模式仍然在寻找代码的条1113上的消息来表示。用户可以更改照相机的变焦水平1117来促进对QR代码拍快照。当代码1116被快拍框1115完全地框住时,条消息可以被更新为例如“快拍发现”。在一种实现方式中,当找到该代码后,用户可以使用移动设备照相机来启动代码捕捉(参见1120)。在另一个实现方式中,快拍模式可以使用该移动设备照相机自动给该代码拍快照(参见1119)。在一些实现方式中,虚拟钱包应用可以在存储QR代码或在交易中使用它以前可选地应用全球定位系统标签(参见1118)到该QR代码。
参见图11B,在一个实施例中,快拍模式可有助于支付再分配张贴交易。 例如,用户可从零售商Acme超市购买杂货和规定物品。用户可以无意中或为了结帐方便,例如,使用他或者她的Visa卡来支付杂货和规定物品。然而,该用户可能具有可用于支付规定物品的FSA帐户,以及其将提供用户税款利益。在这种情况中,该用户可以使用快拍模式来启动交易再分配。
如图所示,用户在检索条2121中输入检索项(例如,帐单)。用户然后可以在标签1122中识别用户希望再分配的收据1123。作为替代地,用户可以直接给收据上的条型码的图片拍快照,并且快拍模式可以使用来自该条型码的信息产生并显示收据1123。现在用户可以重新分配1125。在一些实现方式中,用户也可以对交易提出质疑1124或存档该收据1126。
在一种实现方式中,当选择了重新分配按钮1125时,钱包应用可以执行收据的光学字符识别(OCR)。收据中的每个物品然后可以被审查来识别一个或多个物品可以被记入到哪个支付设备或账户以用于税款或诸如现金返还、回报点等等的其它收益。在此例子中,如果被记入到用户的Visa卡的处方药物被记入到用户的FSA,则有税款收益。钱包应用然后可以执行该再分配作为末端。该再分配处理可以包括钱包联系支付处理方来贷记处方药物的金额到该Visa卡并借记相同金额到用户的FSA帐户。在作为替代的实施方式中,支付处理方(例如Visa or MasterCard)可获得并OCR该收据,识别物品和支付帐户以用于再分配并执行该再分配。在一种实现方式中,钱包应用可请求用户确认将所选物品的计费再分配给另一个支付帐户。在再分配处理完成以后可以产生收据1127。如所讨论的,该收据示出一些费用已经从Visa账户移动到FSA。
参见图11C,在一个实施例中,快拍模式可以通过诸如条型码或QR代码的支付代码帮助支付。例如,用户可以对还没完成的交易的QR代码拍快照。该QR代码可以被显示在商家POS终端处、网站,或网页应用,并可以被与识别用于购买物品的信息、商家细节以及其它相关的信息一起编码。当用户快拍诸如QR代码的时候,快拍模式可以解码该QR代码中的信息并可以使用该解码的信息来产生收据1132。一旦该QR代码被识别,导航条1131可以指出支付代码被识别。现在用户可以具有选项来添加到购物车1133、利用默认支付帐户支付1134或利用钱包支付1135。
在一种实现方式中,用户可以决定利用默认1134支付。在这个钱包示例中,钱包应用然后可以使用用户的默认支付方法来完成该购买交易。当完成该交易 后,可以自动产生收据用于证明购买。用户界面也可以被更新以提供其它选项用于处理已完成交易。示例选项包括社交1137来与别人共享购买信息,如关于图11B所讨论的重新分配1138以及存档1139来存储该收据。
参见图11D,在一个实施例中,快拍模式也可以帮助报价识别、应用以及存储以备将来之用。例如,在一个实现方式中,用户可以快拍报价代码1141(例如,条形码、QR代码等)。钱包应用然后可以根据编码在该报价代码中的信息产生报价文本1142。用户可以对报价代码执行多个动作。例如,用户使用查找按钮1143来查找接受该报价代码的所有商家、接受该报价代码的附近商家、来自取得该报价代码资格的商家的产品等。用户也可以使用该添加到购物车按钮1144来应用该报价代码到当前在购物车中的物品。此外,用户也可以通过选择保存按钮1145来保存该报价以备将来之用。
在一种实现方式中,报价或优惠券1146被应用之后,用户可具有选项来使用查找来查找取得资格的商家和/或产品,该用户可以使用1148进入该钱包,以及用户也可以保存该报价或优惠券1146用于后来使用。
参见图11E,在一个实施例中,快拍模式也可以提供便利以用于添加资金来源到钱包应用。在一个实现方式中,诸如信用卡、借记卡、预付卡、智能卡的支付卡以及其它支付帐户可具有关联代码,诸如条形码或QR代码。这种代码可具有编码在其中的支付卡信息,包括但不限于,名称,地址,支付卡类型,支付卡帐户细节,余额,花费限制,回报余额等。在一种实现方式中,该代码可以在物理支付卡的表面被发现。在另一个实现方式中,可以通过访问关联的在线帐户或另一个安全位置获得该代码。然而,在另一个实现方式中,该代码可以被打印在伴随支付卡的信封上。在一种实现方式中,用户可以快拍该代码的图片。钱包应用可以识别支付卡1151并显示编码在支付卡中的文本信息1152。该用户然后可以通过选择验证按钮1153执行该信息1152的验证。在一种实现方式中,该验证可以包括联系该支付卡的发布方用于确认解码的信息1152以及任何其它相关信息。在一种实现方式中,用户可以通过选择“添加到钱包”按钮1154来添加该支付卡到钱包。添加支付卡到钱包的指令可以促使支付卡作为按照图9A所讨论的资金标签916的支付形式之一出现。用户也可以通过选择取消按钮1155取消输入支付卡作为资金来源。当支付卡已经被添加到钱包时,用户界面可以被更新以通过通知显示1156来指示输入完成。用户然后可以访问钱包1157以开始使用添加的支付卡作为资金来源。
参见附图11F,在一些实现方式中,该虚拟钱包应用可通过处理该QR代码识别产品,以及可提供与该产品有关的信息,以及与用于购买该产品、辅助服务等有关的信息。例如,该虚拟钱包应用可提供窗口1161,其中该虚拟钱包应用可显示图像、产品说明书、价格、商家信息等(参见1162)。在一些实现方式中,该虚拟钱包应用可提供包括所显示的信息的QR代码,以便另一个用户可以迅速地快拍该信息来输入它到另一个虚拟钱包应用中。在一些实现方式中,该虚拟钱包应用可提供特征以便用户可以请求门卫服务(例如,当购物时候的帮助)、发货服务(例如,因此用户可以在不需要携带该物品出去的情况下离开商店),1164。在一些实现方式中,该虚拟钱包应用可提供本地商家(例如,使用用户设备的GPS位置)或因特网上的商家的竞争价格(参见1165)。在一些实现方式中,该虚拟钱包应用可向用户提供包括但不限于以下各项的特征:浏览先前快拍,快拍新代码,添加GPS标签到代码,检索早先快拍的代码来使用,手工输入与QR代码有关的信息,把该QR代码归属于对象(例如以便为了组织目的,用于家庭的家具产品的QR代码可以被分组为“卧室家具”对象),等等(参见1166)。在一些实施例中,用户能设置存储在快拍的物品应被发送到的用户虚拟钱包应用内的购物车或希望列表的名称(参见1167)。在一些实施例中,该虚拟钱包应用可允许用户创建快拍的物品应被添加到的新的购物车或希望列表。
图12示出了在该SNAP一些实施例中,说明报价模式中虚拟钱包应用的示例特征的用户接口图。在一些实现方式中,SNAP可允许用户从该虚拟钱包移动应用内部检索产品和/或服务的报价。例如,用户可输入文本到图形用户界面(“GUI”)元件1211中,或通过激活GUI元件1212发布语音命令并且讲出命令到设备中。在一些实现方式中,SNAP可基于用户的先前行为、人口统计、当前位置、当前购物车选择或购买物品等提供报价。例如,如果用户处于实体店,或在线购物网站,以及离开该(虚拟)商店,那么与该商店相关联的商家可能希望提供诱惑处理来怂恿顾客返回该(虚拟)商店。商家可提供这种报价1213。例如,,该报价可提供折扣,并可以包括期满时间。在一些实现方式中,其它用户可提供赠品(例如1214)给该用户,其中该用户可以兑换。在一些实现方式中,报价部分可以包括关于对其它用户(例如1215)未完成的资金的支 付警告。在一些实现方式中,该报价部分可以包括关于从其它用户请求资金收据的警告(例如1216)。例如,这种特征可以识别从其它应用可接收的资金(例如邮寄,日程表,任务,注释,提醒程序,警告等等),或通过由用户人工输入到该虚拟钱包应用中。在一些实现方式中,报价部分可从SNAP中的参与商家提供报价,例如1217-1219,1220。这些报价可以有时使用参与商家的组合而聚集,例如1217。在一些实现方式中,SNAP本身可以从虚拟钱包应用内为用户随使用特定的支付形式的用户而提供报价,例如1220。
图13A-B显示在SNAP的一些实施例中,说明在安全和隐私模式中虚拟钱包应用的示例性特征的用户界面图。参见图13A,在一些实现方式中,用户能浏览和/或更改用户简档和/或用户的设置,例如通过激活用户接口元件。例如,用户能浏览/修改用户名(例如1311a-b)、帐号(例如1312a-b)、用户安全访问码(例如1313-b)、用户pin(例如1314-b)、用户地址(例如,1315-b)、与用户相关联的社会安全号码(例如1316-b)、当前设备GPS位置(例如1317-b)、用户当前所处商店的商家的用户帐户(例如1318-b)、用户的回报帐户(例如1319-b)等。在一些实现方式中,用户能选择哪些数据字段和它们的关联值应被传输从而帮助该购买交易,因此为用户提供增强的数据安全性。例如,在图13A中的示例性说明中,用户已经选择姓名1311a、帐号1312a、安全代码1313a、商家帐户ID 1318a和回报帐户ID 1319a作为将被作为通知的一部分而发送的字段来处理该购买交易。在一些实现方式中,该用户可以套接这些字段和/或数据值,其作为通知的一部分被发送来处理该购买交易。在一些实现方式中,应用可以为用户提供数据字段和/或存储的关联值的多个屏幕来选择为购买定单传输的一部分。在一些实现方式中,应用可以给SNAP提供用户的GPS位置。基于用户的GPS位置,SNAP可以确定用户的环境(例如,用户是否处于商店,医生办公室,医院,邮政办公室等等)。基于该环境,用户应用可以呈现适当字段给用户,用户根据其可以选择字段和/或字段值来作为购买定单传输的一部分发送。
例如,用户可能进入医生办公室并希望支付医生预约的共付医疗费。除基本交易信息之外,诸如帐号和名称,该应用可以给用户提供能力来选择传送病历、健康信息,其可以被提供给医疗供应商、保险公司,以及交易处理方来对账当事人之间的支付。在一些实现方式中,该记录可以以符合轻便和义务的健 康保险行动(HIPAA)的数据格式发送并加密,以及只有被授权浏览这种记录的接收方可以具有适当解密密钥来解密并浏览该私人用户信息。
参见图13B,在一些实现方式中,在用户的设备上执行的应用可以提供“VerifyChat”特征用于防欺诈。例如,SNAP可以检测出不寻常的和/或可疑的交易。该SNAP可使用该Verifychat特征来与用户通信,并验证该购买交易的发起人的真实性。在各个实现方式中,SNAP可以发送电子邮件消息、文本(SMS)消息、消息、TwitterTM的tweet、文本聊天、语音聊天、视频聊天(例如,苹果FaceTime)等来与该用户通信。例如,SNAP可以为用户启动视频询问,例如1321。例如,用户可需要通过视频聊天呈现他/她自己,例如1322。在一些实现方式中,客户服务代表例如代理1324可以使用该用户的视频人工地确定该用户的真实性。在一些实现方式中,SNAP可以使用面部、生物测定等识别方法(例如使用模式分类技术)来确定用户的身份。在一些实现方式中,应用可以提供基准标记(例如十字线、目标框等等)例如1323,以便用户可以提供视频以帮助用户的SNAP的自动识别。在一些实现方式中,用户可能尚未启动交易,例如该交易是欺诈的。在这种实现方式中,用户可以取消该询问。SNAP然后可以取消该交易,和/或代表该用户启动欺诈调查过程。
在一些实现方式中,SNAP可以使用文本询问过程来确定用户的真实性,例如1325。例如,SNAP可以通过文本聊天、SMS消息、电子邮件、消息、TwitterTM的tweet等与用户通信。SNAP可以对用户提出询问问题,例如1326。该应用可以提供用户输入界面元件(例如虚拟键盘1328)来回答SNAP提出的询问问题。在一些实现方式中,该询问问题可以由SNAP自动随机地选择;在一些实现方式中,客户服务代表可以人工地与用户通信。在一些实现方式中,用户可能尚未启动该交易,例如该交易是欺诈的。在这种实现方式中,用户可以取消该文本询问。SNAP然后可以取消该交易,和/或替代表用户启动欺诈调查过程。
SNAP控制器
图14显示说明SNAP控制器1401的实施例的框图。在此实施例中,SNAP控制器1401可用来聚集、处理、存储、检索、服务、识别、命令、产生、匹配、和/或通过各种技术帮助与计算机交互,和/或其它相关数据。
通常,例如1433a的用户,其可以是人员和/或其它系统,可以接合信息技术系统(例如计算机)来帮助信息处理。反之,计算机采用处理器来处理信息;这种处理器1403可以被称为中央处理单元(CPU)。处理器的一个形式被称为微处理器。CPU使用通信电路来传递二进制编码信号,其作为指令来允许各种操作。这些指令可以是在各种可访问的处理器和可操作存储区1429(例如寄存器、高速缓冲存储器、随机存取存储器等等)中的包含和/或引用其它指令和数据的操作和/或数据指令。这种通信指令可以作为程序和/或数据分量分批(例如批指令)存储和/或传输来帮助所需操作。这些存储的指令代码,例如程序,可以接合CPU电路元件以及其它母板和/或系统组件来执行所需操作。一种程序类型是计算机操作系统,其可以是由计算机上的CPU执行的;该操作系统允许并帮助用户访问和运行计算机信息技术和资源。信息技术系统中可以采用的一些资源包括:通过其数据可进出计算机的输入和输出机制;数据可保存在其中的存储器;以及信息可以通过其处理的处理器。这些信息技术系统可以被用来收集数据以用于以后的检索、分析、以及操作,其可通过数据库程序来辅助。这些信息技术系统提供允许用户访问并运行各种系统元件的接口。
在一个实施例中,SNAP控制器1401可以被连接至和/或与实体通信,所述实体诸如但不局限于:来自用户输入设备1411的一个或多个用户;外围设备1412;可选加密处理器设备1428;和/或通信网络1413。例如,SNAP控制器1401可以连接至和/或与用户通信,例如1433a,运行客户端设备,例如1433b,客户端设备包括但不限于:个人计算机、服务器和/或各种移动设备,包括但不限于蜂窝电话、智能电话(例如基于安卓操作系统的电话等等)、平板计算机(例如,Apple iPadTM,HP SlateTM,摩托罗拉XoomTM等等)、eBook阅读器(例如Amazon KindleTM、Barnes以及Noble的NookTMeReader等等)、膝上型计算机、笔记本、上网本、游戏控制台(例如XBOX LiveTM,DS、索尼Portable等等)、便携式扫描仪等。
通常认为网络包括客户端、服务器、以及图形拓扑中的中间节点的互连和互操作。应该注意的是,本申请始终使用的术语“服务器”通常指的是计算机、其它设备、程序或它们的组合,其处理并响应穿过通信网络的远程用户的请求。服务器使用他们的信息来请求“客户端”。正如此处使用的那样,术语“客户端” 通常指代计算机、程序、其它设备、用户和/或它们的组合,其能够处理并产生请求以及获得和处理任何从服务器穿过通信网络的响应。帮助信息处理和请求,和/或将信息片段从源用户发送到目标用户的计算机、其它设备、程序、或它们的组合通常称为“节点”。网络通常被认为帮助从源点到目的地的信息转输。具体来讲,从来源推动信息片段到目的地的任务的节点通常被叫作“路由器”。存在许多网络形式,诸如局域网(LANs)、微微网、广域网(WANs),无线网络(WLANs),等等。例如,因特网通常被接受为多个网络的互连,借此远程客户端和服务器可以彼此访问和互操作。
SNAP控制器1401可以是基于计算机系统的,其可包括但不局限于诸如连接至存储器1429的计算机系统1402的组件。
计算机系统
计算机系统1402可包括时钟1430、中央处理单元(“CPU”和/或“处理器”(这些术语在整个公开里可互换的使用除非相反地注释))1403、存储器1429(例如,只读存储器(ROM)1406、随机存取存储器(RAM)1405,等等),和/或接口总线1407,并且几乎经常,尽管不一定,全部互联和/或通过一个或多个具有导电和/或其它方式的传输电路路径(指令(例如,二进制编码信号)通过其可传输来实现通信、操作、存储,等等)的(母)板1402上的系统总线1404传递。该计算机系统可以被连接至电源1486;例如,可选地,该电源可以是内部的。可选地,加密处理器1426和/或收发器(例如,IC)1474可以被连接至系统总线。在另一个实施例中,加密处理器和/或收发器可以通过接口总线I/O被连接为内部和/或外部外围设备1412。收发器又可以被连接至天线1475,由此实现各种通信的无线发射和接收和/或传感器协议;例如,天线可以连接至:Texas Instruments WiLink WL1283收发器芯片(例如,提供802.11n,蓝牙3.0,FM,全球定位系统(GPS)(由此允许SNAP控制器确定它的位置));BroadcomBCM4329FKUBG收发器芯片(例如,提供802.11n,蓝牙2.1+EDR,FM,等等);BroadcomBCM4750IUB8接收器芯片(例如,GPS);Infineon Technologies X-Gold 618-PMB9800(例如,提供2G/3G HSDPA/HSUPA0通信)等。系统时钟通常具有晶体振荡器并通过该计算机系统的电路路径产生基准信号。时钟通常被连接到系统总线以及将增减基准操作频率用于该计算机系统中互联的其它部件的各种时钟倍乘器。计算机系统中的时钟和各种部件驱动 实现遍及该系统的信息的信号。这种实现遍及计算机系统的信息的指令的发送和接收通常可以称为通信。这些通信指令此外可以被传输、接收,以及促使超出实例计算机系统返回和/或应答通信到:通信网络、输入设备、其他的计算机系统、外围设备等。应该理解的是,在替换实施例中,任何上述部件可以被互相直接连接、连接至CPU和/或按照各种计算机系统举例说明的很多变化来组织。
CPU包括至少一个足以执行用于执行用户和/或系统产生的请求的程序部件的高速数据处理器。处理器本身往往将包括各种专业化处理单元,诸如但不局限于:集成系统(总线)控制器、存储器管理控制单元、浮点单元,并且甚至类似图形处理单元的专业化处理子单元、数字信号处理单元等。此外,处理器可包括内部快速存取可寻址存储器,并能够映射和寻址处理器本身以外的存储器1429;内存可包括但不局限于:快速寄存器,各级高速缓冲存储器(例如1、2、3级,等等),RAM等等。处理器可以通过使用通过指令地址可访问的存储地址空间访问这些存储器,处理器可以构造并解码所述指令,允许它访问去往具有存储状态的具体存储地址空间的电路路径。CPU可以是微处理器,诸如:AMD的Athlon,Duron和/或Opteron;ARM的应用,嵌入式安全处理器;IBM和/或Motorola的DragonBall以及PowerPC;IBM和Sony的Cell处理器;Intel的Celeron,Core(2)Duo,Itanium,Pentium,Xeon,和/或Xscale等处理器。CPU通过根据常规数据处理技术穿过导电和/或传输渠道(例如(印刷)电子和/或光学电路)以执行存储指令(换言之,程序代码)的指令传递与存储器进行交互。这种指令传递帮助了SNAP控制器内的和穿过各种界面以外的通信。如果处理要求规定较大速度和/或容量,可以类似采用分布式处理器(例如,分布式SNAP),大型机,多核,并联,和/或超级计算机体系结构。作为替代地,如果配置需要规定较大的可移值性,则可以采用小型个人数字助理(PDA)。
根据特定的实现方式,SNAP的特征可以通过实施诸如CAST的R8051XC2微控制器的微控制器、Intel的MCS 51(即,8051微控制器)等来实现。同时,为实施SNAP的某些特征,一些特征实现方式可依赖嵌入式部件,诸如:专用集成电路(“ASIC”),数字信号处理(“DSP”),现场可编程门阵列(“FPGA”),和/或类似的嵌入式技术。例如,任何SNAP部件集(分布式等)和/或特征可以 通过微处理器实现和/或通过嵌入式部件实现;例如,通过ASIC,协处理器,DSP,FPGA等。作为替代地,SNAP的一些实现方式可以利用被配置并用于实现各种特征或信号处理的嵌入式部件实现。
根据该特定的实现方式,嵌入式部件可包括软件解决方案,硬件解决方案,和/或硬件/软件解决方案的组合。例如,在此讨论的SNAP特征可以通过实现FPGA来实现,FPGA是包含叫做“逻辑块”的可编程序逻辑部件的半导体器件,和可编程互联,诸如高性能FPGAVirtex系列和/或Xilinx生产的低成本Spartan系列。在FPGA被制造之后,逻辑块和互联可以由顾客或设计者编程来实施任何SNAP特征。可编程互联的的层级允许逻辑块根据SNAP系统设计者/管理者的需要被互相连接,有点像单片可编程面包板。FPGA的逻辑块可以被编程为执行基本逻辑门的运算,诸如AND和XOR,或更多诸如解码器或简单数学操作的复杂的组合运算符。在大部分的FPGA中,逻辑块还包括存储元件,其可以是电路触发器或存储器的更完整的块。在一些情况下,SNAP可以在规则FPGA上研发,然后移植到更类似ASIC实现方式的固定版本中。作为替代的或协同的实现方式可以迁移SNAP控制器特征到最后的ASIC而不是FPGA,或除FPGA之外还迁移SNAP控制器特征到最后的ASIC。根据前述嵌入式部件的所有实现方式,微处理器可以设想为用于SNAP的“CPU”和/或“处理器”。
电源
电源1486可以是用于给小型电子电路板设备供电的任何标准形式,诸如下列电池:碱性的,氢化锂,锂离子,锂聚合物,镉镍,太阳能电池等。也可以使用其它类型的交流或直流电源。在太阳能电池的情况下,在一个实施例中,该情况提供孔隙,太阳电池通过其可捕获光子能量。该电池1486与至少一个互联的SNAP的随后部件相连,由此提供电流到所有随后部件。在一个例子中,电源1486与系统总线部件1404相连。在可替代的实施例中,通过穿过I/O 1408界面的连接提供外部电源1486。例如,USB和/或IEEE 1394连接运送数据和功率穿过该连接并因此是合适的电源。
接口适配器
接口总线1407可接受、连接、和/或传递到多个接口适配器,尽管通常不一定以适配卡的形式,诸如但不局限于:输入输出接口(I/O)1408,存储接口1409,网络接口1410等。可选的,加密处理器接口1427类似地可以连接至接口总线。 该接口总线为彼此以及计算机系统的其它部件提供接口适配器的通信。接口适配器适用于兼容式接口总线。接口适配器通常与接口总线通过插槽结构连接。可以采用传统插槽结构,诸如但不局限于:加速图形端口(AGP),卡总线,(扩展的)工业标准结构((E)ISA),微通道结构(MCA),NuBus,外围部件互联(扩展的)(PCI(X)),PCI直通,个人计算机存储器卡国际联合会(PCMCIA),等。
存储接口1409可接受、传递、和/或连接至多个存储设备,诸如但不局限于:存储设备1414,可移除磁盘设备等。存储接口可采用连接协议,诸如但不局限于:(超)(串行)先进技术附件(分组接口)((超)(串行)ATA(PI)),(增强的)集成驱动电子线路((E)IDE),电气与电子工程师协会(IEEE)1394,光纤信道,小型计算机系统接口(SCSI),通用串行总线(USB),等。
网络接口1410可接受、传递和/或连接至通信网络1413。通过通信网络1413,SNAP控制器可由用户1433a通过远程客户端1433b(例如,具有网络浏览器的计算机)访问。网络接口可采用连接协议,诸如但不局限于:直接连接,以太网(厚,薄,双绞线10/100/1000 10/100/1000Base T等),令牌环网,诸如IEEE8o2.11a-x的无线连接等。如果处理要求规定较大的总速度和/或容量,可类似地采用分布式网络控制器(例如,分布式SNAP)、结构来汇聚、负载平衡和/或提高SNAP控制器需要的通信带宽。通信网络可以是下列任何一个和/或组合:直接互连;因特网;局域网(LAN);城域网(MAN);作为因特网上的节点的运行任务(OMNI);自定义安全连接;广域网(WAN);无线网络(例如,采用诸如但不局限于:无线应用协议(WAP),I-模式等的协议)等。网络接口可以被视为输入输出接口的专用形式。此外,多个网络接口1410可用来与各种通信网络类型1413接合。例如,可以采用多个网络接口来允许经由广播、多播、和/或单播网络的通信。
输入输出接口(I/O)1408可接受、传递和/或连接至用户输入设备1411,外围设备1412,加密处理器设备1428等。I/O可采用连接协议,诸如但不局限于:音频:模拟,数字,单耳,RCA,立体声等;数据:苹果台式总线(ADB),IEEE 1394a-b,串行,通用串行总线(USB);红外;游戏杆;键盘;midi;光学;PC AT;PS/2;并联;无线电;视频接口:苹果台式连接器(ADC),BNC,同轴,部件,合成,数字,数字视频接口(DVI),高清晰度多媒体接口(HDMI),RCA,RF天线,S-Video,VGA,等;无线收发器:802.11a/b/g/n/x;蓝牙;蜂窝(例如,码分多址(CDMA),高速包存取(HSPA(+)),高速下行链路包存取(HSDPA),全球移动通信系统(GSM),长期演化(LTE),WiMax,等等);等。一种典型输出设备可包括视频显示器,其典型地包括基于阴极射线管(CRT)或液晶显示器(LCD)的监视器,具有从视频接口接受信号的接口(例如DVI电路和电缆)。视频接口合成由计算机系统产生的信息并基于合成的信息在视频存储框架中产生视频信号。另一个输出设备是电视机,其从视频接口接受信号。通常,视频接口通过接受视频显示接口(例如,接受RCA复合视频电缆的RCA复合视频连接器;接受DVI显示电缆的DVI连接器,等等)的视频连接接口提供复合视频信息。
用户输入设备1411往往是一种外围设备1412(参见下文)并可包括:卡读取器,保护锁,指纹读取器,手套,图形写字板,游戏杆,键盘,麦克风,鼠标,远程控制器,视网膜读取器,触摸屏(例如,电容性的,电阻性的,等等),轨迹球,轨迹板,传感器(例如,加速度计,环境光,GPS,陀螺仪,邻近等等),输入笔等。
外围设备1412可被连接和/或传递到I/O和/或其他的类似装备,诸如网络接口,存储接口,直接到接口总线,系统总线,CPU等。外围设备可以是外部的,内部的和/或SNAP控制器的一部分。外围设备可以包括:天线,音频设备(例如,线路输入,线路输出,麦克风输入,扬声器,等等),照相机(例如,静态,视频,网络摄像机,等等),保护锁(例如,用于拷贝保护,利用数字签名确保安全交易等),外部处理器(用于附加的容量;例如,加密装置1428),力反馈设备(例如,振动马达),网络接口,打印机,扫描仪,存储设备,收发器(例如,蜂窝,GPS,等等),视频设备(例如,护目镜,监视器,等等),视频源,头盔等。外围设备经常包括各种类型的输入设备(例如,摄像机)。
应该注意的是,尽管可以采用用户输入设备和外围设备,SNAP控制器可以体现为嵌入式、专用和/或更少监视器(即无头的)设备,其中将经由网络接口连接提供访问。
加密单元诸如但不局限于:微控制器,处理器1426,接口1427,和/或设备1428,可以附着在和/或与该SNAP控制器通信。由摩托罗拉公司制造的MC68HC16微控制器可以用于和/或在加密单元内。MC68HC16微控制器以16 MHz配置的方式使用16位乘法和加法指令以及需要不到1秒来执行512位RSA私钥运算。加密单元支持来自交互代理以及允许不记名交易的通信的认证。加密单元也可以被配置为CPU的一部分。也可以使用等价微控制器和/或处理器。其他的可以购买到的专用加密处理器包括:Broadcom的CryptoNetx以及其它安全处理器;Ncipher的nShield,SafeNet的Luna PCI(例如,7100)系列;SemaphoreCommunication的40MHzRoadrunner 184;Sun的加密加速器(例如,加速器6000PCIe板,加速器500Daughtercard);Via纳米处理器(例如,L2100,L2200,U2400)线,其能够执行500+MB/s的加密指令;VLSITechnology的33MHz 6868等。
存储器
通常,允许处理器实行存储和/或检索信息的任何机制和/或实施例都可看作存储器1429。然而存储器是可代替的技术和资源,因此可以互相替代或结合地采用多个存储器实施例。应该理解的是,SNAP控制器和/或计算机系统可以采用各种形式的存储器1429。例如,计算机系统可以被配置,在其中片上CPU存储器(例如,寄存器),RAM,ROM和任何其它存储设备的操作是由纸张穿孔带或纸张穿孔卡片机制提供的;然而,这种实施例将导致非常慢的操作速度。在典型配置中,存储器1429将包括ROM 1406,RAM 1405,和存储设备1414。存储设备1414可以是任何传统计算机系统存储器。存储设备可以包括鼓;(固定和/或可移除的)磁盘驱动器;磁光驱动器;光驱(即,蓝光,CD/ROM/RAM/可记录(R)/可写(RW),DVD R/RW,HD DVD R/RW等等);设备阵列(例如,独立盘的冗余阵列(RAID));固态存储器设备(USB存储器,固态驱动(SSD)等等);其它处理器可读存储介质;和/或其他类似的设备。因此,计算机系统通常需要并使用存储器.
部件集
存储器1429可包含程序和/或数据库部件和/或数据的集合,诸如但不局限于:操作系统部件1415(操作系统);信息服务器部件1416(信息服务器);用户接口部件1417(用户接口);网页浏览器部件1418(网页浏览器);数据库1419;邮件服务器部件1421;邮件客户端部件1422;加密服务器部件1420(加密服务器);SNAP部件1435等(即,合称为部件集)。这些部件可以从存储设备和/或从通过接口总线可访问的存储设备存储并访问。尽管非传统程序部件,诸如 部件集合的那些,通常被存储在本地存储设备1414中,但他们也可以通过通信网络、ROM、各种形式的存储器等被载入和/或存储在诸如外围设备、RAM、远程存储设施的存储器中。
操作系统
操作系统部件1415是使SNAP控制器的操作变得容易的可执行程序部件。通常,操作系统有助于I/O、网络接口、外围设备、存储设备等的访问。操作系统可以是高度容错、可扩展和安全的系统,诸如苹果Macintosh计算机OS X(服务器);AT&T Plan 9;Be OS;Unix和Unix-like系统分发(诸如AT&T的UNIX;Berkley软件分布程序(BSD)变体,诸如FreeBSD,NetBSD,OpenBSD等;Linux分布,诸如Red Hat,Ubuntu等);和/或类似操作系统。然而,也可以采用更多限制和/或更少安全性的操作系统,诸如苹果Macintosh计算机OS,IBM OS/2,Microsoft DOS,Microsoft Windows2000/2003/3.1/95/98/CE/Millenium/NT/Vista/XP(服务器),Palm OS等。操作系统可单向和/或双向与部件集中的其他的部件通信,包括本身,等。操作系统最通常与其他的程序部件、用户接口和/或类似部件通信。例如,操作系统可包含、传递、产生、获得、和/或提供程序部件、系统、用户、和/或数据通信、请求和/或响应。一旦由CPU执行,操作系统可允许与通信网络、数据、I/O、外围设备、程序部件、存储器、用户输入设备等交互。操作系统可提供通信协议,其允许SNAP控制器通过通信网络1413与其他的实体通信。SNAP控制器可以使用各种通信协议作为用于交互的副载波传输机制,诸如但不局限于:多播,TCP/IP,UDP,单播等。
信息服务器
信息服务器部件1416是存储的由CPU执行的程序部件。信息服务器可以是传统因特网信息服务器,诸如但不局限于Apache软件基础的Apache,微软公司的因特网信息服务器等。信息服务器可通过一些设施允许程序部件的执行,诸如:有效服务器页(ASP),ActiveX,(ANSI)(Objective-)C(++),C#和/或.NET,公共网关接口(CGI)脚本,动态(D)超文本标记语言(HTML),FLASH,Java,JavaScript,实际提取报告语言(PERL),超文本预处理器(PHP),管道,Python,无线应用协议(WAP),WebObjects等。信息服务器可支持安全通信协议,诸如但不局限于:文件传输协议(FTP);超文本传输协议(HTTP); 安全超文本传输协议(HTTPS),安全套接层(SSL),消息传递协议(例如美国在线服务公司(AOL)的即时消息器(AIM),应用交换(APEX),ICQ,因特网多线交谈(IRC),微软网络(MSN)消息器服务,存在和即时消息协议(PRIM),因特网工程任务组的(IETF的)会话启动协议(SIP),用于即时消息和存在影响扩展的SIP(SIMPLE),开放式基于XML的可扩展消息和存在协议(XMPP)(即Jabber或开放的移动联盟的(OMA的)即时消息和存在服务(IMPS)),雅虎即时消息器服务等。信息服务器提供网页形式的结果到网页浏览器,并且允许通过与其它程序部件交互的网页的受控生成。在HTTP请求的域名系统(DNS)解析部分被解决为特定的信息服务器之后,信息服务器基于HTTP请求的其余部分,在SNAP控制器上的指定位置解析对信息的请求。例如,诸如http://123.124.125.126/myInformation.html的请求可能具有请求的IP部分“123.124.125.126”,其通过DNS服务器被解析为那个IP地址处的信息服务器;那个信息服务器此外可能又解析请求的“/mylnformation.html”部分的http请求并且将它解析为包含信息“mylnformation.html”的存储器中的位置。此外,用作协议的其它信息可以跨各种端口来采用,例如,跨端口的FTP通信等。信息服务器可以单向和/或双向地与部件集中的其它部件通信,包括本身,和/或类似设施。大部分的信息服务器经常与SNAP数据库1419,操作系统,其他的程序部件,用户接口,网页浏览器等通信。
对SNAP数据库的访问可以通过多个数据库桥接机制实现,诸如通过如以下列举的脚本语言(例如,CGI)以及通过如以下列举的应用间通信信道(例如CORBA,WebObjects,等等)。通过网页浏览器的任何数据请求通过该桥接机制被解析为如SNAP需要的适当语法。在一个实施例中,信息服务器将提供网页浏览器可访问的网页表格。网页表格中被填进所提供的字段的条目被标志为已经被输入特定的字段并且因而被解析。输入的术语然后被随着字段标签传递,其命令分析器产生指向适当表格和/或字段的查询。在一个实施例中,基于标志的文本条目,分析器可以通过利用适当的join/select命令实例化检索串而产生标准SQL方式的查询,其中经由桥接机制提供结果命令到SNAP作为查询。当根据该查询产生查询结果后,该结果被经由桥接机制传递,并且可以由该桥接机制解析以用于格式化以及新结果网页的生成。这种新结果网页然后被提供到信息服务器,信息服务器可以将它提供到发出请求的网页浏览器。
同样,信息服务器可包含、传递、产生、获得和/或提供程序部件、系统、用户、和/或数据通信、请求、和/或响应。
用户接口
计算机接口在某些方面与汽车操作接口相似。汽车操作接口元件,诸如方向盘,变速器,以及速度计有助于汽车资源和状态的访问,操作以及显示。计算机交互接口元件,诸如复选框,光标,菜单,卷轴和窗口(合称为以及通常称为窗口小部件)类似地有助于数据和计算机硬件和操作系统资源和状态的访问,容量,操作,和显示。操作接口通常被叫做用户接口。图形用户接口(GUI)提供图形地向用户访问和显示信息的基线和装置,GUI诸如是苹果Macintosh计算机操作系统的Aqua,国际商业机器公司的OS/2,微软公司的Windows2000/2003/3.1/95/98/CE/Millenium/NT/XP/Vista/7(即Aero),Unix的X-Windows(例如,其可包括附加Unix图形接口库以及诸如K台式环境(KDE)的层,mythTV以及GNU网络对象模型环境(GNOME)),网页接口库(例如,ActiveX,AJAX,(D)HTML,FLASH,Java,JavaScript等等,接口库诸如但不局限于,Dojo,jQuery(UI),MooTools,Prototype,script.aculo.us,SWFObject,雅虎用户接口,任何可以被使用的)。
用户接口部件1417是由CPU执行的存储程序部件。用户接口可以是由例如已经讨论的操作系统和/或操作环境提供的和/或在已经讨论的操作系统和/或操作环境之上的传统图形用户接口。用户接口可以允许通过文本和/或图形设施显示,执行,交互,处理,和/或操作程序部件和/或系统设施。用户接口提供设施,用户通过其能实施、相互作用和/或运行计算机系统。用户接口可以单向和/或双向地与部件集内的其他部件通信,包括本身,和/或类似设施。大部分的用户接口经常与操作系统、其他的程序部件等通信。该用户接口可包含、传递、产生、获得和/或提供程序部件、系统、用户、和/或数据通信、请求、和/或响应。
网页浏览器
网页浏览器部件1418是由CPU执行的存储程序部件。网页浏览器可以是传统超文本浏览应用,诸如Microsoft Internet Explorer或Netscape Navigator。安全网页浏览可以通过HTTPS,SSL等利用128位(或更多)加密来提供。网页浏览器允许程序部件通过设施的执行,诸如ActiveX,AJAX,(D)HTML,FLASH,Java,JavaScript,网页浏览器插件APIs(例如,FireFox,Safari Plug-in 等API)等。网页浏览器和类似信息访问工具可以被集成到PDA,蜂窝电话,和/或其他的移动设备。用户网页浏览器可以单向和/或双向地与部件部件集内的其他部件通信,包括本身,和/或类似设施。大部分的网页浏览器经常与信息服务器,操作系统,集成的程序部件(例如插件)等通信;例如,它可包含、传递、产生、获得和/或提供程序部件、系统、用户和/或数据通信、请求和/或响应。同样,代替网页浏览器和信息服务器,也可以开发组合应用来执行二者的相似操作。组合应用类似地实施从支持SNAP的节点实施信息的获得和提供信息到用户,用户代理等。该组合应用可以在采用标准网页浏览器的系统上是无关紧要的。
邮件服务器
邮件服务器部件1421是由CPU 1403执行的存储程序部件。邮件服务器可以是传统因特网邮件服务器,诸如但不局限于sendmail、Microsoft Exchange等。邮件服务器可通过一些设施允许程序部件的执行,诸如ASP,ActiveX,(ANSI)(Objective-)C(++),C#_和/或.NET,CGI脚本,Java,JavaScript,PERL,PHP,pipes,Python,WebObjects等。邮件服务器可支持通信协议,诸如但不局限于:Internet消息访问协议(IMAP),消息应用编程接口(MAPI)/Microsoft Exchange,post office protocol(POP3),简单邮件传送协议(SMTP)等。邮件服务器可以路由,转发和处理输入和输出邮件消息,其已经被发送,中继和/或穿越通过和/或到该SNAP。
对SNAP邮件的访问可以通过由单个网页服务器部件和/或操作系统提供的多个API实现。
同时,邮件服务器可包含、传递、产生、获得和/或提供程序部件、系统、用户、和/或数据通信、请求、信息和/或响应。
邮件客户端
邮件客户端部件1422是由CPU 1403执行的存储程序部件。邮件客户端可以是传统邮件浏览应用,诸如:Apple Mail,Microsoft Entourage,Microsoft Outlook,MicrosoftOutlook Express,Mozilla,Thunderbird等。邮件客户端可支持多个转输协议,诸如:IMAP,Microsoft Exchange,POP3,SMTP等。邮件客户端可单向和/或双向地与部件集中的其他的部件通信,包括本身,和/或类似设施。大部分的邮件客户端经常与邮件服务器、操作系统、其它邮件客 户端等通信;例如,它可包含、传递、产生、获得和/或提供程序部件、系统、用户和/或数据通信、请求、信息和/或响应。邮件客户端通常提供设施来编写并传输电子邮件消息。
加密服务器
加密服务器部件1420是由CPU 1403、加密处理器1426、加密处理器接口1427、加密处理器设备1428等执行的存储程序部件。加密处理器接口将允许加密元件请求的加密和/或解密的加速;然而,作为选择,加密元件可以运行在传统CPU上。加密元件允许所提供数据的加密和/或解密。加密元件允许对称的和非对称的(例如,Pretty Good Protection(PGP))加密和/或解密。加密元件可采用的加密技术诸如但不局限于:数字证书(例如,X.509认证框架),数字签名,双重签名,信封,密码存取保护,公钥管理等。加密元件将有助于很多(加密和/或解密)安全协议,诸如但不局限于:校验和,数据加密标准(DES),椭圆曲线加密(ECC),国际数据加密算法(IDEA),消息摘要(MD5,其是散列运算的一种方式),密码,Rivest Cipher(RC5),Rijndael,RSA(其是使用1977年由Ron Rivest,Adi Shamir和Leonard Adleman开发的算法的因特网加密和认证系统),安全散列算法(SHA),安全套接层(SSL),安全超文本传输协议(HTTPS)等。采用这些加密安全协议,SNAP可以加密所有输入和/或输出通信并可以利用更宽的通信网络用作虚拟专用网络(VPN)内的节点。加密元件有助于“安全授权”的处理,借此通过安全协议禁止对资源的访问,其中,该加密元件实施对安全资源的授权访问。此外,加密元件可提供内容的唯一标识符,例如采用以及MD5散列来为数字音频文件获得唯一签名。加密元件可以单向和/或双向地与部件集内的其他部件通信,包括本身,和/或类似设施。如果需要,加密元件支持允许信息穿过通信网络的安全传输来允许SNAP部件参加安全交易的加密机制。加密元件有助于SNAP上的资源的安全访问以及有助于远程系统上的安全资源的访问;即它可以作为安全资源的客户端和/或服务器。大部分的加密元件经常与信息服务器,操作系统,其他的程序部件等通信。该加密元件可包含、传递、产生、获得和/或提供程序部件、系统、用户和/或数据通信、请求、和/或响应。
SNAP数据库
SNAP数据库部件1419可以被嵌入在数据库及其所存储的数据中。数据库 是存储程序部件,其由CPU执行;存储程序部件部分配置CPU来处理所存储的数据。数据库可以是传统、容错、关联、可扩展、安全的数据库,诸如Oracle或Sybase。关系数据库是平面文件的扩展。关系数据库包含一系列相关表。表通过键字段互相连接。键字段的使用允许通过相对于键字段的索引而组合表;即,键字段作为用于各种表的组合信息的维数支点。关系通常借助于匹配初级键来识别表之间的链接。初级键表示唯一地识别关系数据库中的表行的字段。更确切的说,他们唯一地识别一对多关系的“一”侧的表行。
可替代地,SNAP数据库可以使用各种标准数据结构实现,诸如阵列,散列,(链)表,结构,结构文本文件(例如XML),表格等。这些数据结构可以存储在存储器和/或(结构)文件中。在另一个替换中,可以使用面向对象的数据库,诸如Frontier,ObjectStore,Poet,Zope,等。对象数据库可包括多个对象集合,其通过公共属性被分组和/或链接起来;他们通过一些公共属性与其它对象集合相关。面向对象数据库与关系数据库类似地执行,除了其对象不只是数据片段,而可以具有给定对象内封装的功能的其他类型。如果SNAP数据库实现为数据结构,则SNAP数据库1419的使用可以被集成到另一个部件中,诸如SNAP部件1435。同样,数据库可以实现为数据结构、对象以及关系结构的混合。数据库可以通过标准数据处理技术以无数的变化被合并和/或分布。数据库的一些部分,例如表格,可以被输出和/或输入并因此分散和/或集成。
在一个实施例中,该数据库部件1419包括若干表格1419a-o。用户表格1419a可包括字段,诸如但不局限于:user_id,ssn,dob,first_name,last_name,age,state,address_firstline,address_secondline,zipcode,devices_list,contact_info,contact_type,alt_contact_info,alt_contact_type,等。用户表格可支持和/或追踪SNAP上的多个实体帐户。设备表格1419b可包括字段,诸如但不局限于:device_ID,device_name,device_IP,device_MAC,device_type,device_model,device_version,device_OS,device_apps_list,device_securekey,wallet_app_installed_flag,等。Apps表格1419c可包括字段,诸如但不局限于:app_ID,app_name,app_type,app_dependencies,等。帐户表格1419d可包括字段,诸如但不局限于:account_number,account_security_code,account_name,issuer_acquirer_flag,issuer_name,acquirer_name,account_address,routing_number,access_API_call,linked_wallets_list等。商家表格1419e可包括 字段,诸如但不局限于:merchant_id,merchant_name,merchant_address,ip_address,mac_address,auth_key,port_num,security_settings_list,等。发布方表格1419f可包括字段,诸如但不局限于:issuer_id,issuer_name,issuer_address,ip_address,mac_address,auth_key,port_num,security_settings_list等。收单机构表格1419g可包括字段,诸如但不局限于:account_firstname,account_lastname,account_type,account_num,account_balance_list,billingaddress_linei,billingaddress_line2,billing_zipcode,billing_state,shipping_preferences,shippingaddress_linei,shippingaddress_line2,shipping_zipcode,shipping_state等。支付网关表格1419b可包括字段,诸如但不局限于:gateway_ID,gateway_IP,gateway_MAC,gateway_secure_key,gateway_access_list,gateway_API_call_list,gateway_services_list,等。交易表格1419i可包括字段,诸如但不局限于:order_id,user_id,timestamp,transaction_cost,purchase_details_list,num_products,products_list,product_type,product_params_list,product_title,product_summary,quantity,user_id,client_id,client_ip,client_type,client_model,operating_system,os_version,app_installed_flag,user_id,account_firstname,account_lastname,account_type,account_num,account_priority_account_ratio,billingaddress_linei,billingaddress_line2,billing_zipcode,billing_state,shipping_preferences,shippingaddress_linei,shippingaddress_line2,shipping_zipcode,shipping_state,merchant_id,merchant_name,merchant_auth_key等。批表格1419j可包括字段,诸如但不局限于:batch_id,transaction_id_list,timestamp_list,cleared_flag_list,clearance_trigger_settings等。分类账表格1419k可包括字段,诸如但不局限于:request_id,timestamp,deposit_amount,batch_id,transaction_id,clear_flag,deposit_account,transaction_summary,payor_name,payor_account等。产品表格1419l可包括字段,诸如但不局限于:product_ID,product_title,product_attributes_list,product_price,tax_info_list,related_products_list,offers_list,discounts_list,rewards_list,merchants_list,merchant_availability_list等。报价表格1419m可包括字段,诸如但不局限于:offer_ID,offer_title,offer_attributes_list,offer_price,offer_expiry,related_products_list,discounts_list,rewards_list,merchants_list, merchant_availability_list,等。行为数据表格1419n可包括字段,诸如但不局限于:user_id,timestamp,activity_type,activity_location,activity_attribute_list,activity_attribute_values_list等。分析表格1419o可包括字段,诸如但不局限于:report_id,user_id,report_type,report_algorithm_id,report_destination_address等。
在一个实施例中,SNAP数据库可以与其它数据库系统交互。例如,采用分布式数据库系统,通过检索SNAP部件进行的查询以及数据访问可以处理SNAP数据库、集成的数据安全层数据库的组合为单个数据库实体。
在一个实施例中,用户程序可包含各种用户接口图元,其可用来更新SNAP。同样,根据SNAP可能需要服务的环境以及客户端类型,各种帐户可能需要自定义数据库表。应该注意的是,任何唯一字段可以被指定为通篇的键字段。在作为替代的实施例中,这些表格已经被分散到他们自己的数据库和它们各自的数据库控制器中(即,用于每一个上述表格的单个数据库控制器)。采用标准数据处理技术,人们可以进一步经由若干计算机系统和/或存储设备分发该数据库。类似地,通过合并和/或分布各种数据库部件1419a-o,分散的数据库控制器的配置可以被改变。SNAP可以被配置为通过数据库控制器跟踪各种设置、输入和参数。
SNAP数据库可以单向和/或双向地与部件集内的其他部件通信,包括本身,和/或类似设施。大部分的SNAP数据库经常与SNAP部件、其他的程序部件等通信。数据库可包含、维持和提供关于其它节点和数据的信息。
SNAP
SNAP部件1435是由CPU执行的存储程序部件。在一个实施例中,SNAP部件包括在前面附图中讨论的SNAP的各方面的任何一个和/或所有组合。因而,SNAP跨各种通信网络实施信息、服务、交易等的访问,获得和供应。
SNAP部件可通过SNAP部件转换实时产生的商家-产品快速响应代码为基于虚拟钱包卡的交易购买通知等和SNAP的使用。在一个实施例中,SNAP部件1435进行输入(例如,结帐输入411;产品数据414;支付输入419;发布方服务器数据423;用户数据427a-n等),并通过SNAP部件转换输入(例如,SMPE 1441;QRCP 1442等)为输出(例如,QR支付代码417;卡授权请求421;授权响应429a-n;授权成功消息433a-b;批附加数据435;购买收据436 等)。
允许节点间信息访问的SNAP部件可以通过采用标准开发工具和语言开发,诸如但不局限于:Apache部件,Assembly,ActiveX,可执行的二进制,(ANSI)(Objective-)C(++),C#_和/或.NET,数据库适配器,CGI脚本,Java,JavaScript,绘图工具,面向过程和对象的开发工具,PERL,PHP,Python,shell脚本,SQL命令,网页应用服务器扩展,网页开发环境和库(例如,微软公司的ActiveX;Adobe AIR,FLEX&FLASH;AJAX;(D)HTML;Dojo,Java;JavaScript;jQuery(UI);MooTools;Prototype;script.aculo.us;简单对象存取协议(SOAP);SWFObject;雅虎用户接口等),WebObjects等。在一个实施例中,SNAP服务器采用加密服务器来加密和解密通信。SNAP元件可单向和/或双向地与部件集内的其他部件通信,包括本身,和/或类似设施。大部分的SNAP部件经常与SNAP数据库、操作系统、其他的程序部件等通信。SNAP可包含、传递、产生、获得和/或提供程序部件、系统、用户和/或数据通信、请求和/或响应。
分布式SNAP
任何SNAP节点控制器部件的结构和/或操作可以以任意多种方式组合、合并和/或分布来帮助开发和/或配置。类似地,可以以任意多种方式组合部件集以帮助部署和/或开发。为实现这一点,可以集成部件到公共代码基础中或到可以按需以集成的方式动态地加载部件的设施中。
部件集可以被以无数的变化通过标准数据处理和/或开发技术而合并和/或分布。程序部件集中的程序部件的任一项的多个实例可以被实例化在单个节点上,和/或跨多个节点以通过负载平衡和/或数据处理技术提高性能。此外,单个实例也可以是跨多个控制器和/或存储设备分布的;例如,数据库。一起工作的所有程序部件实例和控制器可以通过标准数据进程通信技术这样做。
SNAP控制器的配置将取决于系统部署的环境。这些因素诸如但不局限于:预算,容量,位置和/或底层硬件资源的使用可以实施部署要求和配置。不考虑配置是否导致更多合并和/或集成程序部件,导致更多分布的程序部件系列,和/或导致合并和分布式配置间的组合,数据可以被传递,获得,和/或提供。根据程序部件集,合并到公共代码基础中的部件实例可以传递,获得,和/或提供数据。这些可通过应用内数据处理通信技术来实现,诸如但不局限于:数据引用(例如指针),内部消息传递,对象实例变量通信,共享存储器空间,变量传递等。
如果部件集部件是相互分立的、独立的和/或外部的,那么传递、获得和/或提供数据与和/或到其他的部件可以通过应用内数据处理通信技术实现,诸如但不局限于:应用程序接口(API)信息传递;(分布式)部件对象模型((D)COM),(分布式)对象链接与嵌入((D)OLE)等),公共对象请示代理体系结构(CORBA),Jini本地和远程应用程序接口,Javascript对象注释(JSON),远程方法引用(RMI),SOAP,进程管道,共享文件等。应用间内通信的分立部件之间或在应用内通信的单个部件的存储空间内部发送的消息可以有助于语法的创建和解析。语法可以使用开发工具开发,诸如lex,yacc,XML等,其允许语法生成和解析功能,其又可以形成部件内部和之间的通信消息的基础。
例如,语法可以设置为识别HTTP张贴指令的令牌,例如:
w3c-post http://...Value1
其中Value1识别为一种参数,因为“http://”是语法体系的一部分,并且后续被认为是张贴值的一部分。类似地,利用这种语法,变量“value1”可以插入到“http://”张贴命令中然后被发送。语法体系本身可以呈现为结构化数据,其被解释和/或用于产生解析机制(例如lex,yacc等等处理的语法描述文本文件)。同样,一旦产生和/或实例化了解析机制,它本身处理和/或解析结构化数据,诸如但不局限于:描绘文本的字符(例如标签),HTML,结构化文本流,XML等结构化数据。在另一个实施例中,应用间数据处理协议本身可具有集成和/或容易地可用的解析器(例如,JSON,SOAP,等解析器),其可以用于解析(例如,通信)数据。此外,解析语法可以被使用在消息解析之上,但也可以用于解析:数据库,数据集,数据存储,结构化数据等。再次,期望的配置将取决于语境,环境,以及系统开发的需要。
例如,在一些实现方式中,SNAP控制器可以是通过信息服务器执行实现安全套接层(“SSL”套接服务器)的PHP脚本,其侦听客户端可以发送数据(例如以JSON格式编码的数据)的服务器端口上的输入通信。一旦识别输入通信,PHP脚本可以从客户端设备读取输入消息,解析该接收的JSON编码的数据以便从JSON编码的文本数据提取信息到PHP脚本变量中,并在使用结构化查询语言(“SQL”)可访问的关系数据库中存储该数据(例如,客户端识别信息, 等等)和/或提取的信息。基本上以PHP/SQL命令的形式写入,来通过SSL连接从客户端设备接受JSON编码的输入数据、解析数据以便提取变量,并存储数据到数据库的示例性列表如下提供:
同样,下列资源可用来提供示关于SOAP解析器实现方式的示例性实施例:
http://www.xav.com/perl/site/lib/SOAP/Parser.html
http://publib.boulder.ibm.com/infocenter/tivihelp/v2r1/index.jsp?topic=/com.ibm
.IBMDI.doc/referenceguide295.htm
以及其它解析器实现方式:
http://publib.boulder.ibm.com/infocenter/tivihelp/v2r1/index.jsp?topic-/com.ibm
.IBMDI.doc/referenceguide259.htm
因此通过引用将所有这些包括在此。
为了解决各种问题并发展技术,用于快拍移动支付装置、方法和系统(包括封面,标题,小标题,技术领域,背景技术,发明内容,附图说明,具体实施方式,权利要求,摘要,附图,附录和/或其他)的本申请的全部通过各种示意图实施例显示,其中所要求的创新可以被实行。本申请的优点和特征仅是实施例的代表性示例,不是穷举和/或排他的。他们存在仅仅用于帮助理解和教导如权利要求所述的原理。应该理解的是,他们不是代表所有如权利要求所述的创新。因而公开内容的某些方面没有在此论述。替代性的实施例未必已经被呈 现用于本发明的具体部分或此外未描述的替代性的实施例可以被可获得用于设想替代性的实施例的放弃的部件。将理解的是,许多那些未描述的实施例采用本发明相同原理及其他是等价的。因此,应该理解的是,在不脱离该公开内容的范围和/或精神的情况下可以使用其它实施例以及产生功能逻辑,操作,组织的,结构和/或拓扑修改。因而,在整个公开内容中,所有示例和/或实施例被认为是非限制的。没有推断应被引起考虑在此论述的那些实施例相对于在此未论述的那些,除为了降低空间以及重复起见以外的。例如,应该理解的是,任何程序部件(部件集合)的任何群组的逻辑和/或拓扑结构,如附图和/或全部所描述的其它部件和/或提供部件设置不局限于固定的运行顺序和/或排列,而是任何公开的顺序是示例性以及都等价,不考虑顺序是该公开内容设想的。此外,应该理解的是,这种部件不局限于串行执行,而是多个线程,处理,服务,服务器,和/或那些能异步地、同步、并行、同时,同步执行的那些,等是该公开内容设想的。因而,一些部件可以相互对立的,因为们不能同时存在于单个实施例中。类似地一些部件适用于本发明的一种方面,以及不适用的其它方面。此外,公开内容包括其它目前未要求的新方法。对目前未经要求的新方法申请人保留所有权利,包括要求这种新方法、文件增补申请、继续、部分地继续、分割和/或它的同类的权利。因而,应该理解的是,该公开内容的优势,实施例,示例,功能,部件,逻辑操作,组织,结构,拓扑和/或其它方面不是设想限制在权利要求书所定义的公开内容上或限制在相当于权利要求书上。应该理解的是,根据SNAP个人和/或企业用户,数据库配置和/或关系模型,数据类型,数据传输和/或网络框架,语法结构等的特定的需要和/或特性,SNAP的各种实施例可以被实施,其允许许多灵活性和定制。例如,SNAP的各方面可以修改以适合于饭店订餐,在线购物,在实体店中购物,安全信息处理,保健信息系统等。然而当SNAP的各种实施例和讨论已经指向电子购买交易时,应该理解的是,此处的实施例可以被容易地配置和/或自定义用于各式各样的其它应用和/或实现方式。
Claims (25)
1.一种计算机实现的快拍支付方法,包括:
在移动计算设备处获得用户输入来启动购买交易;
通过操作地连接至所述移动计算设备的图像获取设备获取图像帧;
识别在所获取的图像帧内描述的支付代码;
使用所识别的支付代码,通过所述移动计算设备产生购买交易请求;
提供所述购买交易请求用于支付处理;以及
获得用于所述购买交易的购买收据。
2.如权利要求1所述的方法,还包括:
提供所述支付代码的图像用于购买交易处理。
3.如权利要求1所述的方法,还包括:
通过包括在所述用户移动设备中的所述图像获取设备获取包括所述图像帧的视频;
从所获取的视频提取所述图像帧;以及
分析所述图像帧来确定所述图像帧是否包括所描述的支付代码。
4.如权利要求1所述的方法,其中所述用户输入是在操作地连接至所述移动计算设备的触摸屏上的触摸屏手势。
5.如权利要求1所述的方法,其中所述支付代码是一维条型码。
6.如权利要求1所述的方法,其中所述支付代码是包括快速响应代码的二维条型码。
7.如权利要求1所述的方法,还包括:
从所述支付代码提取购买会话数据;以及
其中所述购买交易请求是使用所提取的购买会话数据,通过所述用户移动设备产生的。
8.如权利要求7所述的方法,其中所述购买会话数据包括商家标识符,以及用于和与所述商家标识符相关联的商家的用户购物会话的会话标识符。
9.如权利要求8所述的方法,其中所述会话标识符被配置为用作关于和所述商家的用户购物会话的数据的统一资源定位符中的令牌参数。
10.如权利要求1所述的方法,还包括:
获得与虚拟钱包帐户相关联的支付信息用于支付处理;
其中所产生的购买交易请求包括与所述虚拟钱包帐户相关联的所述支付信息。
11.如权利要求10所述的方法,其中所述支付信息包括动态产生的卡验证值代码。
12.如权利要求11所述的方法,还包括:
提供对动态产生的卡验证值代码的请求到服务器;以及
响应提供所述请求,从所述服务器获得所述动态产生的卡验证值代码。
13.如权利要求12所述的方法,其中动态产生的卡验证值具有期满时间并且对应于和商家的用户购物会话。
14.如权利要求1所述的方法,其中在所获取的图像帧内描述的所述支付代码是从媒体设备的显示器获取的,并且编码数据来购买所要求的媒体内容。
15.如权利要求14所述的方法,其中所述媒体设备是电视。
16.如权利要求15所述的方法,其中所述电视是飞机上娱乐系统的一部分。
17.如权利要求16所述的方法,其中所述媒体设备正显示网页。
18.一种计算机实现的快拍支付系统,包括:
处理器;以及
存储器,配置为与所述处理器通信并存储处理器可执行指令以:
在移动计算设备处获得用户输入来启动购买交易;
通过操作地连接至所述移动计算设备的图像获取设备获取图像帧;
识别在所获取的图像帧内描述的支付代码;
使用所识别的支付代码,通过所述移动计算设备产生购买交易请求;
提供所述购买交易请求用于支付处理;以及
获得用于所述购买交易的购买收据。
19.一种计算机可读的有形介质,存储计算机可执行的快拍支付指令以:
在移动计算设备处获得用户输入来启动购买交易;
通过操作地连接至所述移动计算设备的图像获取设备获取图像帧;
识别在所获取的图像帧内描述的支付代码;
使用所识别的支付代码,通过所述移动计算设备产生购买交易请求;
提供所述购买交易请求用于支付处理;以及
获得用于所述购买交易的购买收据。
20.一种计算机实现的快拍支付装置,包括装置以用于:
在移动计算设备处获得用户输入来启动购买交易;
通过操作地连接至所述移动计算设备的图像获取设备获取图像帧;
识别在所获取的图像帧内描述的支付代码;
使用所识别的支付代码,通过所述移动计算设备产生购买交易请求;
提供所述购买交易请求用于支付处理;以及
获得用于所述购买交易的购买收据。
21.一种计算机实现的反向快拍支付方法,包括:
在用户设备处获得用户输入来启动和商家的购买交易;
获得用于处理所述购买交易的用户支付信息;
通过所述用户设备使用用于处理所述购买交易的支付信息产生支付代码图像;
通过操作地连接至所述用户设备的显示器,为销售点终端显示所述支付代码图像以获取所述支付代码图像的图像;以及
获得用于所述购买交易的购买收据。
22.一种计算机实现的群组分解快拍支付方法,包括:
在用户的用户设备处获得用户输入来启动群组购买交易;
获得用于所述群组购买交易的购买数据;
通过所述用户设备,使用用于所述群组购买交易的购买数据产生分解支付代码图像;
其中所述分解支付代码图像包括有关另一个用户的支付金额的信息;以及
通过操作地连接至所述用户设备的显示器,为所述另一个用户的另一个用户设备显示所述分解支付代码图像以获取所述分解支付代码图像的图像。
23.一种计算机实现的个人对个人的快拍支付方法,包括:
在用户的用户设备处获得用户输入来启动个人对个人的交易;
获得用于所述个人对个人的交易的转帐金额;
通过所述用户设备,使用用于所述个人对个人的交易的转帐金额产生支付代码图像;
其中所述支付代码图像包括有关另一个用户的转帐金额的信息;以及
通过操作地连接至所述用户设备的显示器,为所述另一个用户的另一个用户设备显示所述支付代码图像以获取所述支付代码图像的图像。
24.一种计算机实现的快拍移动销售方法,包括:
在销售点设备处获得用户结帐请求;
获得关于商家的用户购物车信息用于处理与所述用户结帐请求相关的购买交易;
通过所述用户设备,使用所述用户购物车信息产生支付代码图像;
通过操作地连接至所述销售点设备的显示器,显示所述支付代码图像以便用户设备获取所述支付代码图像的图像;以及
获得所述购买交易的授权通知。
25.一种计算机实现的反向快拍移动销售方法,包括:
在销售点设备处获得用户结帐请求;
通过操作地连接至所述销售点设备的图像获取设备获取图像帧;
识别在所获取的图像帧内描述的支付代码;
使用所识别的支付代码,通过所述销售点设备产生购买交易请求;
提供所述购买交易请求用于支付处理;以及
获得所述购买交易的授权通知。
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BR (1) | BR112013021059A2 (zh) |
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CN103765453B (zh) | 2018-08-14 |
WO2012112822A3 (en) | 2012-10-18 |
WO2012112822A2 (en) | 2012-08-23 |
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CN109118199A (zh) | 2019-01-01 |
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US20120209749A1 (en) | 2012-08-16 |
AU2016204018A1 (en) | 2016-07-07 |
AU2018204759A1 (en) | 2018-07-19 |
CN103765453A (zh) | 2014-04-30 |
SG193481A1 (en) | 2013-10-30 |
US20190034921A1 (en) | 2019-01-31 |
AU2012217606A1 (en) | 2013-05-09 |
CN106803175B (zh) | 2021-07-30 |
AU2018204759B2 (en) | 2020-03-12 |
BR112013021059A2 (pt) | 2020-10-27 |
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