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`(12)INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT)
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`(19) World Intellectual Property Organization
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`1111111111111111 IIIIII IIIII 111111111111111 II Ill 111111111111111 IIIII IIIII IIII 111111111111111 IIII
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`International Bureau
`(10) International Publication Number
`(43) International Publication Date
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`8 April 2010 (08.04.2010)
`PCT
`
`WO 2010/039337 A2
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`
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`
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`(74)Agents: FLETCHER, Michael, G. et al.; 7915 FM 1960
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`(51)International Patent Classification: Not classified
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`West, Suite 330, Houston, Texas 77070, P.O. Box
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`692289, Houston, TX 77269-2289 (US).
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`(21)International Application Number:
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`PCT/US2009/05344 l
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`(81) Designated States (unless otherwise indicated, for every
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`
`
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`(22)International Filing Date:
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`
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`
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`kind of national protection available): AE, AG, AL, AM,
`l l August 2009 (11.08.2009)
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`AO, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ,
`CA,CH,CL,CN,CO,CR,CU,CZ,DE,DK,DM,DO,
`English
`
`DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT,
`English
`
`HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP,
`
`KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD,
`ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI,
`NO, NZ, OM, PE, PG, PH, PL, PT, RO, RS, RU, SC, SD,
`
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`SE, SG, SK, SL, SM, ST, SV, SY, TJ, TM, TN, TR, TT,
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`TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW.
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`(25)Filing Language:
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`(26)Publication Language:
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`(30)Priority Data:
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`12/286,494 30 September
`2008 (30.09.2008)US
`12/286,488 30 September
`2008 (30.09.2008)US
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`12/286,4 IO 30 September 2008 (30.09.2008)US
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`(71)Applicant (for all designated States except US): APPLE
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`Designated States (unless otherwise indicated, for every
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`INC. [US/US]; I Infinite Loop, Mail Stop 3-Pat, Cuperti-(84)
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`
`
`
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`kind of regional protection available): ARIPO (BW, GH,
`no, CA 95014 (US).
`
`GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM,
`(72)
`Inventors; and
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`ZW), Eurasian (AM, AZ, BY, KG, KZ, MD, RU, TJ,
`
`Inventors/Applicants (for US only): LIN, Gloria
`(75)
`
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`TM), European (AT, BE, BG, CH, CY, CZ, DE, DK, EE,
`
`
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`[US/US]; Apple Inc., I Infinite Loop, MS: 81-ITF, Cu­
`
`
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`ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV,
`
`pertino, CA 95014 (US). MIKHAK, Amir, Mahmood
`MC, MK, MT, NL, NO, PL, PT, RO, SE, SI, SK, SM,
`
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`[US/US]; 66 Putnam Ave., Cambridge, MA 02139 (US).
`
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`TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW,
`NAKAJIMA, Taido, Lantz [US/US]; Apple Inc., I Infi­
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`ML, MR, NE, SN, TD, TG).
`
`
`nite Way, MS: 81-ITF, Cupertino, CA 95014 (US).
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`Declarations under Rule 4.17:
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`MAYO, Sean, Anthony [US/US]; Apple Inc., I Infinite
`
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`Loop, MS: 81-ITF, Cupertino, CA 95014 (US). ROSEN­
`as to applicant's entitlement to apply for and be granted
`
`
`
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`BLATT, Michael [US/US]; Apple Inc., I Infinite Loop,
`
`a patent (Rule 4.17 (ii))
`
`
`MS: 81-l TF, Cupertino, CA 95014 (US).
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`--------------------------------------------
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`[Continued on next page]
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`as to the applicant's entitlement to claim the priority of
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`the earlier application (Rule 4.17 (iii))
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`--
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`(54)Title: PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS
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`90-----......
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`10
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`Device 1
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`(Payee)
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`Financial Server(s)
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`_________________ _-:·��-� ______ _
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`92
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`Device 2
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`(Payor)
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`FIG.4
`(57)Abstract: Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic
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`devices IO, 92. In one embodiment, a request for payment is transmitted from a first device IO to a second device 92 using a near
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`field communication (NFC) interface 46. In response to the request, the second device 92 may transmit payment information to
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`the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate
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`the received payment information and selected crediting account to one or more external financial servers IO0 configured to pro­
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`cess and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the select­
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`ed crediting account. In a further embodiment, a device IO may include a camera 48 configured to obtain an image of a payment
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`
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`instrument. The device IO may further include an application to extract payment information from the acquired image.
`
`IPR2022-01239
`Apple EX1015 Page 1
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`

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`WO 2010/03933 7 A2 111111
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`IIIIIIII II IIIIII IIIII lllll lllll 1111111111 lllll lllll lllll lllll 111111111 lllllll llll 11111111
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`Published:
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`-
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`without international search report and to be republished
`upon receipt of that report (Rule 48.2(g))
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`IPR2022-01239
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`

`

`WO 2010/039337
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`PCT /0S2009/053441
`
`I
`
`PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND
`METHODS
`
`BACKGROUND
`
`5
`
`1.
`
`Technical Field
`
`Embodiments of the present disclosure relate generally to peer-to-peer
`
`transactions and, more particularly, to various systems, methods, and
`
`electronic devices configured to initiate and process such transactions.
`
`2.
`
`Description of The Related Art
`
`10
`
`This section is intended to introduce the reader to various aspects of art
`
`that may be related to various aspects of the present techniques, which are
`
`described and/or claimed below. This discussion is believed to be helpful in
`
`providing the reader with background information to facilitate a better
`
`understanding of the various aspects of the present disclosure. Accordingly, it
`
`15
`
`should be understood that these statements are to be read in this light, and not
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`as admissions of prior art.
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`Many payment instruments currently exist and may be used to carry out
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`financial exchanges between two or more parties. For instance, payments may
`
`be made using credit cards, debit cards, checks, electronic checks, and cash.
`
`20
`
`In recent years, the growth of electronic commerce has at least partially
`
`attributed to the popularity of credit cards, debit cards, and other non-currency
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`based payment instruments. Further, because a consumer may not always
`
`have a precise amount of cash on hand to pay an outstanding invoice or bill,
`
`such as to a vendor or retailer, it may, at times, be more convenient to charge
`
`25
`
`the owed amount to the consumer's credit card.
`
`As we move to a more mobile and fast-paced society, the use of cash or
`
`currency is being increasingly replaced by electronic transactions using credit
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`cards, debit cards, etc. Accordingly, it is not uncommon for consumers to hold
`
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`Apple EX1015 Page 3
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`WO 2010/039337
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`PCT /0S2009/053441
`
`2
`
`multiple non-currency accounts concurrently (e.g., multiple credit cards or
`
`debits cards corresponding to a respective banking provider), each of which
`
`may be dedicated for a particular type of purchase or financial exchange. For
`
`example, a consumer may concurrently hold a credit card account that may be
`
`5
`
`dedicated for gas or automotive purchases, a credit card account specifically
`
`for travel-related purchases, a general purpose credit card account for
`
`miscellaneous purchases, as well as one or more loyalty credit card accounts
`
`that may be used only with specific retailers or vendors. In addition, the
`
`consumer may also hold, concurrently, one or more debit card accounts
`
`10
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`associated with respective banking providers.
`
`As can be appreciated, the consumer may make payments or
`
`participate in financial exchanges using any of the above-discussed accounts
`
`by way of a payment instrument representing the account, such as a credit
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`card. As the number of payment accounts held by the consumer increases,
`
`15
`
`however, it may become increasingly inconvenient to carry such a large
`
`number of credit/debit cards. Further, while payments made using the above(cid:173)
`
`discussed accounts may be readily compatible with retailer and vendor
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`businesses, including those established online on the Internet, payments made
`
`from these accounts may not always be readily accepted by other consumers
`
`20
`
`or "peers."
`
`SUMMARY
`
`Certain aspects of embodiments disclosed herein by way of example
`
`are summarized below. It should be understood that these aspects are
`
`25
`
`presented merely to provide the reader with a brief summary of the various
`
`techniques disclosed and/or claimed herein might take and that these aspects
`
`are not intended to limit the scope of any technique disclosed and/or claimed
`
`herein. Indeed, any technique disclosed and/or claimed herein may
`
`encompass a variety of aspects that may not be set forth below.
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`WO 2010/039337
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`PCT /0S2009/053441
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`3
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`The present disclosure generally relates to various techniques for
`
`performing peer-to-peer transactions using a portable device. In accordance
`
`with one disclosed embodiment, a portable electronic device may be
`
`configured to store information representing one or more accounts held by a
`
`5
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`user. For instance, the stored information may represent one or more credit
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`card accounts held by the user. As used in the present disclosure, the term
`
`"credit card" shall be understood to encompass any type of card, including
`
`those in conformance with the ISO 7810 standard, such as credit cards, debit
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`cards, charge cards, gift cards, or the like. In one embodiment, a credit card
`
`10 may store a user's account information using a magnetic stripe encoded on the
`
`card (e.g., ISO 7813 standard). In other embodiments, as will be described
`
`below, a credit card may include a storage device (e.g., in addition to the
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`above-mentioned magnetic stripe) configured to store the user's account
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`information. The portable device may also be configured to store information
`
`15
`
`relating to one or more bank accounts held by the user.
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`The portable device may also be provided one or more communication
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`interfaces configured to send or transmit information stored on the device. For
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`example, based on inputs or commands received from the user, the portable
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`device may be configured to initiate payments (e.g., as a payor) by transmitting
`
`20
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`payment information corresponding to a credit account stored on the device,
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`for example, to an external device (e.g., as a payee). In one embodiment, the
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`receiving device may be a similar portable electronic device. Additionally, the
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`device may be configured to receive payment information from the external
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`device and to initiate a transaction request in order to process the received
`
`25
`
`payment information, such that a corresponding payment is credited to an
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`appropriate account stored on the device (e.g., a bank account). For instance,
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`the transaction request may include communicating with one or more external
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`servers configured to provide an authorization for the requested transaction.
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`The electronic device may further include one or more input device,
`
`30
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`such as a camera device, as well as a plurality of communication interfaces,
`
`which may include a near field communication (NFC) interface. In accordance
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`WO 2010/039337
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`PCT /0S2009/053441
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`4
`
`with one embodiment, the device may initiate the sending and receiving of
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`payment information with the external device using the NFC interface by way of
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`an NFC handshake operation. Additionally, the electronic device also may use
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`a device identification networking protocol to establish a communication link
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`5 with the external device in order to receive or send payment information.
`
`In a further embodiment, the electronic device may include an image
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`processing application for processing an image to extract information. For
`
`instance, using the camera input device discussed above, an image of a
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`payor's payment instrument, which may include a credit card, check, etc., may
`
`10
`
`be acquired. The acquired image may be processed in order to extract and
`
`determine information relating to the payment account represented by the
`
`payment instrument. Thus, the electronic device may transmit a request
`
`including the extracted payment account information to one or more financial
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`servers for the authorization of a payment using the extracted information.
`
`15 Accordingly, the presently described techniques, which may include methods,
`
`systems, and devices, may provide for a convenient method and system for
`
`performing peer-to-peer financial exchanges, as well as provide for a single
`
`transaction point for the sending and receiving payments, thus reducing or
`
`eliminating the need for the user to carry each physical payment instruments
`
`20
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`(e.g., multiple credit/debit cards).
`
`The presently described techniques may also provide one or more
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`systems for performing a group transaction including a plurality of group
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`transaction members may be provided. In one embodiment, the group
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`transaction members may include an initiator operating the electronic device.
`
`25
`
`The initiator may initiate a primary transaction to pay the entirety of a group
`
`invoice containing amounts owed by each of the group transaction members.
`
`Thereafter, the initiator may perform one or more secondary transactions with
`
`each of the remaining group transaction members to collect the respective
`
`amounts owed. As can be appreciated, the collection of the outstanding
`
`30
`
`payments may be performed using one or more of the communication or image
`
`processing techniques briefly explained above. Also, in a further embodiment,
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`WO 2010/039337
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`PCT /0S2009/053441
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`5
`
`the initiator may be the originator of the invoice and directly collect payments
`
`corresponding to amounts owed by the group transaction members (e.g.,
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`without the above-discussed primary transaction).
`
`The electronic device may further be provided an application, such as a
`
`5
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`computer program stored on one or more machine-readable media, adapted to
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`provide the functions discussed above. In one embodiment, the device may
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`include a display and the application may provide for a graphical user interface
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`viewable on the display. By way of the graphical interface, the user may
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`operate the device to perform one or more of the above-mentioned functions,
`
`10 which will be described in further detail below.
`
`Various refinements of the features noted above may exist in relation to
`
`various aspects of the present disclosure. Further features may also be
`
`incorporated in these various aspects as well. These refinements and
`
`additional features may exist individually or in any combination. For instance,
`
`15
`
`various features discussed below in relation to one or more of the illustrated
`
`embodiments may be incorporated into any of the above-described aspects of
`
`the present disclosure alone or in any combination. Again, the brief summary
`
`presented above is intended only to familiarize the reader with certain aspects
`
`and contexts of embodiments of the present disclosure without limitation to the
`
`20
`
`claimed subject matter.
`
`DESCRIPTION OF DRAWINGS
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`These and other features, aspects, and advantages of the present
`
`disclosure will become better understood when the following detailed
`
`25
`
`description of certain exemplary embodiments is read with reference to the
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`accompanying drawings in which like characters represent like parts
`
`throughout the drawings, wherein:
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`WO 2010/039337
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`PCT /0S2009/053441
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`6
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`FIG. 1 is a front view of an electronic device in accordance with one
`
`embodiment;
`
`FIG. 2 is a rear view of the electronic device illustrated in FIG. 1;
`
`FIG. 3 is a simplified block diagram depicting components which may be
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`5
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`used in the electronic device illustrated in FIG. 1;
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`FIG. 4 is a block diagram illustrating the processing of a peer-to-peer
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`transaction between the device of FIG. 1 and an external device in
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`communication with the device of FIG. 1, wherein the device of FIG. 1 acts as
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`a payee device, and wherein the external device acts as a payor device in the
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`10
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`accordance with one embodiment;
`
`FIG. 5A shows a plurality of screens that may be displayed on the
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`device of FIG. 1 illustrating a method for storing credit card information into the
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`device of FIG. 1;
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`FIG. 5B shows a plurality of screens that may be displayed on the
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`15
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`device of FIG. 1 illustrating a method for verifying the credit card information
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`entered in FIG. 5A;
`
`FIG. 6A shows a plurality of screens that may be displayed on the
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`device of FIG. 1 illustrating a method of storing banking information into the
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`device of FIG. 1;
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`20
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`FIG. 6B shows a plurality of screens that may be displayed on the
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`device of FIG. 1 illustrating a method for verifying the banking information
`
`stored in FIG. 6A;
`
`FIG. 7 shows a plurality of screens that may be displayed on the device
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`of FIG. 1 illustrating a method for configuring a default payment account on the
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`25
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`device of FIG. 1 ;
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`PCT /0S2009/053441
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`7
`
`FIG. 8 shows a plurality of screens that may be displayed on the device
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`of FIG. 1 illustrating a method for configuring a default crediting account on the
`
`device of FIG. 1;
`
`FIG. 9 shows a plurality of screens that may be displayed on the device
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`5
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`of FIG. 1 illustrating a method for configuring an authorization PIN code in
`
`accordance with one embodiment;
`
`FIGS. 1 OA and 1 OB show a plurality of screens that may be displayed
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`on the device of FIG. 1 illustrating a method for locking and unlocking a
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`transaction application stored on the device of FIG. 1 in accordance with one
`
`10
`
`embodiment;
`
`FIG. 11 A depicts a flowchart illustrating a method of operating the payee
`
`device of FIG. 4 to initiate a transaction in accordance with one embodiment;
`
`FIG. 11 B depicts a flowchart illustrating a method of operating the payor
`
`device of FIG. 4 to respond to the transaction initiated by the method of FIG.
`
`15
`
`11 A in accordance with one embodiment;
`
`FIGS. 12A-12C are schematic representations of systems adapted to
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`carry out various types of transactions that may be performed between the
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`payee and payor devices of FIG. 4 in accordance with aspects of the present
`
`technique;
`
`20
`
`FIG. 13 is a schematic representation illustrating a communication
`
`process that may occur between the payee and payor devices of FIG. 4 during
`
`the transactions depicted by FIGS. 12A-12C;
`
`FIG. 14A shows a plurality of screens that may be displayed on the
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`device of FIG. 1 illustrating a method for initiating a payment request to be
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`25
`
`transmitted to a payor device in accordance with one embodiment;
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`WO 2010/039337
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`8
`
`FIG. 14B shows a plurality of screens depicting the transmission of the
`
`payment request of FIG. 14A from the payee device to the payor device using
`
`an established communication channel;
`
`FIGS. 14C and 14D illustrate the establishment of the communication
`
`5
`
`channel of FIG. 14B;
`
`FIGS. 14E-14G show a plurality of screens that may be displayed on
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`payor device illustrating various methods for selecting a payment account in
`
`response to the payment request of FIG. 14A;
`
`FIG. 14H shows a plurality of screens that may be displayed on the
`
`10
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`payor device for initiating the transmission of the payment account information
`
`selected in FIG. 14E to the payee device;
`
`FIG. 141 shows a plurality of screens depicting the transmission of the
`
`payment account information selected in FIG. 14E to from the payor device to
`
`the payee device using the established communication channel of FIG. 14B;
`
`15
`
`FIG. 14J shows a plurality of screens that may be displayed on the
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`payee device illustrating a method for selecting a crediting account and
`
`completing the transaction originally initiated in FIG. 14A;
`
`FIG. 15A depicts one or more steps of the method illustrated in FIG.
`
`11 A in further detail in accordance with the transactions depicted in FIGS. 12A-
`
`20
`
`12C;
`
`FIG. 15B depicts certain steps of the method illustrated in FIG. 11 B in
`
`accordance with the transactions depicted in FIGS. 12A-12C;
`
`FIG. 16A depicts a flowchart illustrating a method in which the payor
`
`device of FIG. 4 is operated to initiate a transaction in accordance with one
`
`25
`
`embodiment;
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`
`9
`
`FIG. 16B depicts a flowchart illustrating a method in which the payee
`
`device of FIG. 4 is operated to respond to the transaction initiated in FIG. 16A
`
`in accordance with one embodiment;
`
`FIG. 17 A shows a plurality of screens that may be displayed on a payor
`
`5
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`device illustrating a method for initiating a transaction in accordance with the
`
`methods described in FIGS. 16A-16B in accordance with one embodiment;
`
`FIG. 17B shows a plurality of screens that may be displayed on a payee
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`device illustrating a method for selecting a crediting account and completing
`
`the transaction initiated by FIG. 17 A;
`
`10
`
`FIG. 18 is a schematic representation of a system adapted to carry out
`
`a transaction in which a selected payment account includes a non-cash
`
`account in accordance with one embodiment;
`
`FIGS. 19A and 19B show a plurality of screens that may be displayed
`
`on a payor device illustrating a method for selecting the non-cash account of
`
`15
`
`FIG. 18 as a payment account and initiating a transaction in accordance with
`
`one embodiment;
`
`FIG. 19C shows a plurality of screens that may be displayed on a payee
`
`device illustrating a method for selecting a non-cash crediting account in
`
`accordance with one embodiment;
`
`20
`
`FIG. 19D shows a plurality of screens that may be displayed on a payee
`
`device illustrating a method for selecting a crediting account and completing
`
`the transaction initiated in FIG. 19A;
`
`FIG. 20 is a schematic representation of a system adapted to carry out a
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`transaction in which a selected payment account is provided by a smart card;
`
`25
`
`FIG. 21 A depicts one or more steps of the method illustrated in FIG.
`
`11 A in further detail in accordance with the transaction depicted in FIG. 20;
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`WO 2010/039337
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`PCT /0S2009/053441
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`JO
`
`FIG. 21 B depicts certain steps of the method illustrated in FIG. 11 B in
`
`accordance with the transaction depicted in FIG 20;
`
`FIG. 22A shows a plurality of screens that may be displayed on a payee
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`device of FIG. 18 illustrating a method for receiving payment information stored
`
`5
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`on the smart card of FIG. 18 in accordance with one embodiment;
`
`FIG. 22B illustrates the establishment of the communication channel
`
`between the payee device and the smart card of FIG. 18 for the transmission
`
`of the payment information in FIG. 22A;
`
`FIG. 22C illustrates a plurality of screens that may be displayed on a
`
`10
`
`payee device illustrating a method for selecting a crediting account and
`
`completing the transaction initiated in FIG. 22A;
`
`FIG. 23 is a schematic representation of a system adapted to carry out a
`
`transaction in which a selected payment account is provided using a magnetic
`
`credit card provided by the payor in accordance with one embodiment;
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`15
`
`FIG. 24 is a schematic representation of a system adapted to carry out a
`
`transaction in which a selected payment account is provided using a check
`
`provided by the payor in accordance with one embodiment;
`
`FIG. 25A depicts one or more steps of the method illustrated in FIG.
`
`11 A in further detail in accordance with the transactions depicted in FIGS. 23
`
`20
`
`and 24;
`
`FIG. 25B depicts one or more steps of the method illustrated in FIG.
`
`11 B in further detail in accordance with the transactions depicted in FIGS. 23
`
`and 24;
`
`FIG. 26A shows a plurality of screens that may be displayed on a payee
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`25
`
`device illustrating a method for acquiring an image of the credit card of FIG. 23
`
`in accordance with one embodiment;
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`II
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`FIG. 26B depicts a technique for processing the image acquired in FIG.
`
`26A for the extraction of payment information;
`
`FIG. 26C shows a plurality of screens that may be displayed on a payee
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`device illustrating a method for editing information obtained by the image
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`5
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`processing step depicted in FIG. 26B;
`
`FIG. 26D shows a plurality of screens that may be displayed on a payee
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`device illustrating a method for selecting a crediting account and completing
`
`the transaction initiated in FIG. 22A;
`
`FIGS. 27 A and 27B show a plurality of screens that may be displayed
`
`10
`
`on a payee device illustrating a method for acquiring an image of the check in
`
`FIG. 24 in accordance with one embodiment;
`
`FIG. 27C depicts a technique for processing the image acquired in FIG.
`
`27B for the extraction of payment information;
`
`FIG. 27D shows a plurality of screens that may be displayed on a payee
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`15
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`device illustrating a method for selecting a crediting account and completing
`
`the transaction initiated in FIG. 27 A;
`
`FIG. 27E shows a plurality of screens that may be displayed on a payee
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`device illustrating a method for acquiring an image of the check in FIG. 24 in
`
`accordance with a further embodiment;
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`20
`
`FIG. 27F depicts a technique for processing the image acquired in FIG.
`
`27E for the extraction of payment information;
`
`FIG. 27G shows a plurality of screens that may be displayed on a payee
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`device illustrating a method for selecting a crediting account and completing
`
`the transaction initiated in FIG. 27 A based on the image acquired in FIG. 27E;
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`25
`
`FIG. 28 is a schematic representation of a system adapted to carry out a
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`group transaction including multiple payors in accordance with one
`
`embodiment;
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`FIG. 29 depicts a flowchart illustrating a method of for performing the
`
`group transaction of FIG. 28;
`
`FIG. 30A shows a plurality of screens that may be displayed on an
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`initiator device illustrating a method for initiating a primary portion of the group
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`5
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`transaction of FIG. 28;
`
`FIGS. 30B and 30C show a plurality of screens that may be displayed
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`on an initiator device illustrating a method for completing the primary
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`transaction initiated in FIG. 30A and further initiating a secondary portion of the
`
`group transaction;
`
`10
`
`FIG. 30D shows a plurality of screens that may be displayed on an
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`payor device illustrating a method for joining the group transaction of FIG. 28;
`
`FIG. 30E shows a plurality of screens that may be displayed on an
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`initiator device illustrating a technique for adding additional transaction
`
`members to the group transaction depicted in FIG. 28;
`
`15
`
`FIG. 30F shows a plurality of screens that may be displayed on an
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`initiator device illustrating a technique for apportioning invoice items to a group
`
`transaction member;
`
`FIG. 30G shows a plurality of screens that may be displayed on an
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`initiator device illustrating a technique for apportioning invoice items to two or
`
`20 more group transaction members;
`
`FIG. 30H shows a plurality of screens that may be displayed on an
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`initiator device illustrating a method for viewing a partial invoice in accordance
`
`with one embodiment;
`
`FIGS. 301-30L show a plurality of screens that may be displayed on an
`
`25
`
`initiator device illustrating methods for collecting payments from each of the
`
`group transaction members in accordance with one embodiment;
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`13
`
`FIG. 31 is a schematic representation of a system adapted to carry out a
`
`transaction including multiple payors in accordance one embodiment;
`
`FIGS. 32A and 32B show a plurality of screens that may be displayed
`
`on a vendor device illustrating a methods for initiating the group transaction of
`
`5
`
`FIG. 31;
`
`FIG. 32C shows a plurality of screens that may be displayed on an
`
`vendor device illustrating a technique for apportioning invoice items to a group
`
`transaction member; and
`
`FIG. 32D show a plurality of screens that may be displayed on an
`
`10
`
`vendor device illustrating methods for collecting payments from each of the
`
`group transaction members and completing the group transaction of FIG. 31;
`
`DETAILED DESCRIPTION OF SPECIFIC EMBODIMENTS
`
`One or more specific embodiments of the present disclosure will be
`
`15
`
`described below. These described embodiments are only exemplary of the
`
`presently disclosed techniques. Additionally, in an effort to provide a concise
`
`description of these exemplary embodiments, all features of an actual
`
`implementation may not be described in the specification.
`
`It should be
`
`appreciated that in the development of any such actual implementation, as in
`
`20
`
`any engineering or design project, numerous implementation-specific decisions
`
`must be made to achieve the developers' specific goals, such as compliance
`
`with system-related and business-related constraints, which may vary from one
`
`implementation to another. Moreover, it should be appreciated that such a
`
`development effort might be complex and time consuming, but would
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`25
`
`nevertheless be a routine undertaking of design, fabrication, and manufacture
`
`for those of ordinary skill having the benefit of this disclosure.
`
`The present disclosure is directed to various techniques for conducting
`
`peer-to-peer financial exchanges using a handheld, portable electronic device.
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`14
`
`The handheld electronic device, in accordance with aspects of the present
`
`disclosure, may integrate several functionalities for performing peer-to-peer
`
`transactions, including the storing information representation a user's payment
`
`accounts and crediting accounts, acquiring and sending payment information, and
`
`5
`
`obtaining payment authorization. One or more input devices, such as a camera or
`
`near field communication (NFC) device may be provided for the acquisition of
`
`payment information. For example, the NFC device may be used to initiate an
`
`NFC connection with an external device for acquiring or sending payment
`
`information data. Additionally, the camera device may be utilized in cooperation
`
`10 with an image processing application to extract payment information data from an
`
`image of a payment instrument provided by a payor. The electronic device may
`
`also be configured to communicate with one or more external servers to acquire
`
`an authorization for a payment through a selected communication channel, such
`
`as a wide area network (WAN), local area network (LAN), personal area network
`
`15
`
`(PAN), or near field communication channel. Thus, the various functions provided
`
`by an electronic device in accordance with embodiments of the present disclosure,
`
`as will be described in further detail below, may provide a convenient technique
`
`for performing peer-to-peer financial exchanges, include group exchanges
`
`involving more than two members. Indeed, as will be discussed in further detail
`
`20
`
`below, certain aspects of the below-described techniques may be particular useful
`
`in person-to-person transactions conduct between individuals.
`
`Turning now to the drawings and referring initially to FIG. 1, an
`
`electronic device that may include one or more transaction applications for
`
`providing the transaction related techniques and capabilities briefly mentioned
`
`25
`
`above is illustrated and generally referred to by reference numeral 10. In
`
`accordance with the illustrated embodiment, the electronic device 10 may be a
`
`handheld device incorporating the functionality of one or more portable
`
`devices, such as a media player, a cellular phone, a personal data organizer,
`
`and so forth. Thus, depending on the functionalities provided by the electronic
`
`30
`
`device 10, a user may listen to music, play games, record video, take pictures,
`
`and place telephone calls, while moving freely with the device 10. In addition,
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`15
`
`the electronic device 10 may allow a user to connect to and communicate
`
`through the Internet or through other networks, such as local or wide area
`
`networks. For example, the electronic device 10 may allow a user to
`
`communicate using e-mail, text messaging, instant messaging, or other forms
`
`5
`
`of electronic communication. The electronic