(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2010/0042535 A1
`Stone
`(43) Pub. Date:
`Feb. 18, 2010
`
`US 20100042.535A1
`
`(54) CURRENCY DISPLAY
`
`Publication Classification
`
`Carl B. Stone, Campbell, CA (US
`75) Inventor:
`arl B. Stone, Campbell, CA (US)
`(75) Inventor
`Correspondence Address:
`Haynes and Boone, LLP
`IP Section
`2323 Victory Avenue, SUITE 700
`Dallas, TX 75219 (US)
`(73) Assignee:
`eBay Inc., San Jose, CA (US)
`s
`s
`(21) Appl. No.:
`12/192479
`
`(22) Filed:
`
`Aug. 15, 2008
`
`(51) Int. Cl.
`(2006.01)
`G06O 40/00
`(2006.01)
`G06Q 10/00
`(52) U.S. Cl. ............................................... 705/39; 705/1
`
`ABSTRACT
`(57)
`Actual currency is shown displayed on a user device, where
`the currency represents an amount of money selected by the
`user. For example, if the user selects S86.21 for U.S. Dollars,
`the display will show four twenty dollar bills, one five dollar
`bill, one one dollar bill, two dimes, and one penny.
`
`
`
`
`
`
`
`No
`
`No
`
`Select Currency
`for Display
`
`Select Currency
`to Be Entered
`
`3OO
`
`302
`
`3O4.
`Enter Amount L-1
`
`306
`
`<Gs he
`
`310
`
`Keep Display
`
`3O8
`
`Yes
`
`
`
`
`
`
`
`
`
`Transfer
`Entered
`Show
`Amount?
`
`Yes
`
`Enter Recipient
`Information
`
`312
`
`314
`
`318
`
`Enter Funding
`Source
`
`316
`
`<Gs
`
`Yes
`
`Transfer Funds
`
`APPL-1008
`APPLE INC. / Page 1 of 12
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`

`

`Patent Application Publication
`
`Feb. 18, 2010 Sheet 1 of 5
`
`US 2010/0042.535 A1
`
`
`
`DoDO AT&T
`
`12:58 PM
`
`AHSH
`'A' || | Isl
`
`(CIIN
`ls. It is \S
`
`APPL-1008
`APPLE INC. / Page 2 of 12
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`

`

`Patent Application Publication
`
`Feb. 18, 2010 Sheet 2 of 5
`
`US 2010/0042.535 A1
`
`
`
`DoDD AT&T
`
`12:58 PM
`
`PayPal"
`Send money
`
`S1,352.68 USD
`
`Amodafi: 26,
`
`204
`
`Shipping: 775
`
`NS
`
`Era is St.
`Eagle
`-is is 91.
`spreaki S.
`f NMI 3G
`
`Balance
`
`s
`
`Send money
`FIG. 2
`
`APPL-1008
`APPLE INC. / Page 3 of 12
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`

`

`Patent Application Publication
`
`Feb. 18, 2010 Sheet 3 of 5
`
`US 2010/0042.535 A1
`
`FIG. 3
`
`
`
`
`
`
`
`
`
`
`
`Select Currency
`for Display
`
`Select Currency
`to Be Entered
`
`300
`
`302
`
`Enter Amount L-1
`
`31 O
`
`Keep Display
`
`Transfer
`Entered 1
`Shown
`Amount?
`
`Enter Recipient
`Information
`
`Enter Funding
`Source
`
`312
`
`314
`
`316
`
`Yes
`
`Transfer Funds
`
`3.18
`
`APPL-1008
`APPLE INC. / Page 4 of 12
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`

`

`Patent Application Publication
`
`Feb. 18, 2010 Sheet 4 of 5
`
`US 2010/0042.535 A1
`
`
`
`
`
`O
`
`Z07
`
`007
`
`60
`
`APPL-1008
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`Patent Application Publication
`
`Feb. 18, 2010 Sheet 5 of 5
`
`US 2010/0042.535 A1
`
`500
`
`
`
`Display
`Component
`
`System
`Memory
`Component
`
`Storage
`Component
`
`Input
`Component
`
`Bus Component
`
`CUSOr Control
`
`Component
`
`Processing
`
`Component
`
`Network
`Interface
`
`Component t
`
`s
`
`520
`
`FIG. 5
`
`APPL-1008
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`US 2010/0042.535 A1
`
`Feb. 18, 2010
`
`CURRENCY DISPLAY
`
`BACKGROUND
`1. Field of Invention
`0001
`0002 The present invention relates to electronic visual
`displays, and in particular, to such displays that show a visual
`representation of financial instruments.
`0003 2. Related Art
`0004. With the expansion of Internet commerce, consum
`ers can easily and readily purchase items and services
`throughout the world. Consumers locate or identify a desired
`item or service on the Internet, such as with a PC, laptop,
`PDA, mobile phone, or other suitable device. The consumer
`can then make the purchase by entering the amount of money
`to be transferred to the seller. The consumer may be given the
`option of confirming the amount or the purchase. The con
`Sumer typically clicks on an icon or button to make the trans
`fer. So, for example, if a transaction is between parties in the
`United States and Russia, the consumer in the United States
`may enter S126.32, which transfers S126.32 in U.S. dollars
`from the consumer's funding source (e.g., bank or credit card)
`and deposits the equivalent (2926.05 rubles) in Russian
`Rubles (RUR) to the seller's account in Russia.
`0005 Consumers may also bid on items on-line, where
`Such bids do not represent a completed transaction, but sim
`ply a promise to pay that amount if the bid is the high bid. In
`Such situations. Such as bidding on eBay, the consumer again
`simply types in an amount he wants to bid. Once the consumer
`confirms the bid, which may include a new screen showing
`the entered amount with a "confirm' button, that amount is
`relayed to the seller as an amount the consumer is willing to
`pay for the goods or service. If the bid is accepted by the seller
`or is the high bid, the consumer's funds are transferred to the
`seller's account.
`
`SUMMARY
`0006. According to one aspect of the present invention, a
`user types in an amount and selects a type of currency. The
`user's device, such as a mobile phone, displays the actual
`currency representing the entered amount on background of
`the display or screen. For example, if the user types in S22.86
`and selects USD, the screen shows a twenty dollar bill, two
`one dollar bills, three quarters, one dime, and one penny. The
`user device may also enable a different currency to be dis
`played, i.e., currency conversion. In this embodiment, a user
`may want to see the currency in South Korean won equivalent
`to S22.86 USD, such as for bartering. The user may select a
`different currency or a currency conversion at any time.
`0007. The display foreground can include recipient name,
`amount, funding Source, shipping address, etc. Once the
`money is sent, such as by a tap, currency disappears, fades,
`moves out of Screen, stays visible, or any other Suitable
`graphic. The display may also show a user's specific card used
`to send funds, such as a PayPal card, Visa, MC, AMEX, etc.
`The visual image of the card can be shown in the background
`and relevant information, Such as balance, past transactions,
`current transaction, amount, etc., can be shown on the fore
`ground. In other embodiments, the user may select or create
`his own currency for display, such as casino chips, gold bars,
`personalized currency with the user's photo, etc. In another
`embodiment, the user can slide or Swipe money to visual
`representations of other people on the screen or table to effect
`a money transfer.
`
`0008. In another embodiment, the recipient device has the
`same or similar graphics that show when funds are transferred
`to the recipient’s account by displaying actual currency. The
`actual currency can be based on the sender's account, the
`recipient's account, or the recipient's selection, either real
`currency or personalized non-legal currency. The recipient
`may also have the option of selecting a specific account for the
`funds to be deposited, such as a bank account, credit card, or
`money market.
`0009. This invention will be more fully understood in light
`of the following detailed description taken together with the
`accompanying drawings.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`0010 FIG. 1 shows a currency display on a user device
`according to one embodiment of the present invention;
`0011
`FIG. 2 shows a currency display on a user device
`according to another embodiment of the present invention;
`0012 FIG. 3 is a flowchart showing steps for using one
`embodiment;
`0013 FIG. 4 is a block diagram of a system for using one
`embodiment of the present invention; and
`0014 FIG. 5 is a block diagram of a system for implement
`ing a device according to one embodiment of the invention.
`0015. It should be appreciated that like reference numerals
`are used to identify like elements illustrated in one or more of
`the figures.
`
`DETAILED DESCRIPTION
`
`0016 Embodiments of the present disclosure enable users
`to see a selected actual currency representing the amount
`entered by the user into a device with a display screen. For
`example, if the user enters S33.26 in U.S. dollars, the display
`will show one U.S. twenty dollar bill, one U.S. ten dollar bill,
`three U.S. one dollar bills, one U.S. quarter, and one U.S.
`penny. This gives the user a visual representation of the
`amount, which reinforces the value of the amount and pro
`vides the user with a more visually rich interface.
`0017. In one embodiment, the user device, such as a
`mobile phone or laptop, is in communication with another
`device through a network, such as the Internet or other wire
`less network. When the currency representation is shown, the
`user can send the entered amount to another user through the
`network. Visually, this can be shown as the currency sliding or
`moving off the display, just disappearing, or any other move
`ment of the currency.
`0018. The display can show the user currency or the cur
`rency of another country. For example, if the user is working
`with U.S. dollars (the user's funds are located in U.S. banks)
`but wants to see the equivalent in Russian rubles, the user can
`enter S126.32 in U.S. dollars, but the display will show 2926.
`05 RUB in actual rubles. This enables a user to show a foreign
`merchant or retailer the amount he is willing to spend to
`purchase an item, which could greatly help in bargaining.
`0019. In other embodiments, the user can select the type of
`currency for display. It can be actual legal currency (e.g., U.S.
`dollars, Euros, Russian rubles, Japanese yen, etc.) or it can be
`a non-legal "currency’. Such as poker or casino chips, gold
`bars, or even currency created by the user, such as bills with
`the user's face or other selected image. In still other embodi
`ment, an image of a specific financial instrument, Such as an
`American Express Card Platinum card, a Wells Fargo bank
`
`APPL-1008
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`Feb. 18, 2010
`
`card, etc., is displayed when entered by the user. Actual cur
`rency and/or dollaramount may also be displayed on the same
`SCC.
`0020. When the user is connected to a network with other
`users, the user display may visually show other users. In this
`embodiment, once the actual currency is shown, the user may
`simply drag the currency to the other user's icon to transfer
`the funds to the other user.
`0021. Therefore, it should be appreciated that various
`embodiments of the present disclosure may extend beyond
`simply presenting a visual representation of currency.
`0022 FIG. 1 shows a display 100 on a device illustrating
`one example of an embodiment of the present disclosure. The
`device can be any suitable device having a display, such as a
`mobile phone, laptop computer, PDA, or personal computer.
`In this embodiment, the device is a mobile phone. The
`example shows display 100 having a name box 102 indicating
`the recipient of funds, a funds box 104 indicating the amount
`of funds to be transferred, a note box 106 for the user to type
`in any notes to the recipient, a cancel button 108, and a
`continue button 110.
`0023 The user has entered $26.32 in funds box 104, such
`as by using the phone touchpad. Display 100 shows the actual
`currency representing this amount, namely one twenty dollar
`bill, one five dollar bill, one one dollar bill, one quarter, one
`nickel, and two pennies. Once the user is ready to send the
`shown amount, continue button 110 may be tapped, which
`either transfers the amount to the recipient shown in name box
`102 or shows another screen prompting the user with more
`options. When the funds are transferred, display 100 may
`show the actual currency being moved off the screen, fading
`away, disappearing, or any other representative graphic. Note
`that transferring funds via a mobile phone is known, Such as
`through PayPal in San Jose, Calif. Thus, details of how funds
`are transferred are not described herein.
`0024 FIG. 2 shows a display 200 on a device illustrating
`another example of an embodiment of the present disclosure.
`The device can be the same as with FIG.1. In this example,
`display 200 has a name box 202 indicating the recipient of
`funds as well as a picture of the recipient, a funds box 204
`indicating the amount of funds to be transferred, a note box
`212 for the user to type in any notes to the recipient, cancel
`button 108, and a send button 214 to transfer the funds in
`noted in box 204. Display 200 has additional information,
`Such as a funding Source box 206, indicating the source or
`account where the user's funds will be transferred from, a
`balance area 208, indicating the current balance of the fund
`ing account, and an address box 210, indicating the address of
`the recipient. So, display 200 differs from display 100 in the
`amount of information provided on the screen. However, as
`with display 100, the actual currency representation is still
`present in the background.
`0025. Once the user decides to send the funds as shown,
`the display can indicate this with some movement of the
`actual currency display. Sending can be the user tapping on an
`appropriate button on the display, such as “Send.” “Confirm.”
`or “Proceed.” In one embodiment, the currency display can
`simply disappear. In other embodiments, the current display
`can fade away or move off the display, such as a lateral
`movement to the right. Other types of representations of the
`funds being transferred may also be suitable, which may or
`may not include an audio indication.
`0026. The type of currency shown may be automatically
`determined or user-selected. In the former case, the user
`
`device may detect the location of the user and use the currency
`of that country. This detection may be determined through
`GPS or any other location-determining method. Automatic
`determination may also be pre-set within the user device,
`such as the country in which the mobile device is registered by
`the user. User-selection can be performed in any number of
`ways. Some include the user selecting, from the user device
`on a menu or drop down list, the available types of currency
`available, such as U.S. dollar, Europe (or European country)
`Euro, Mexican (or other country) Peso, Australian dollar,
`British pound, Japanese yen, Indian rupee, Russian ruble, and
`South Korean won.
`0027. In some embodiments, the user may also select non
`legal currency, such as poker or casino chips or gold bars. For
`example, if S765.32 were designated to be shown as casino
`chips, the display might show one purple S500 chip, two
`black S100 chips, two green S25 chips, three red S5 chips, and
`Some indication of 32 cents, such as a single chip having 32
`cents on its face or 32 cents in actual coins. In another
`example, if S765.32 was entered and displayed as gold bars,
`the gold bars may have specific values on them, such as S500,
`S100, etc., and may be of different sizes in a combination to
`represent the entered amount.
`0028. In other embodiments, the user can create and use
`his own personalized currency. One example may be the
`user's image or any other selected image on U.S. currency (or
`any other country currency). The personalized currency may
`be created on the user device, such as with a suitable appli
`cation, or through a download from a networked site, such as
`a photo-editing site. If created off device, the personalized
`currency may be retrieved from storage on the phone or a
`networked storage device.
`0029 FIG. 3 shows a flowchart illustrating one embodi
`ment of the present disclosure. In step 300, the user selects the
`desired currency for display, such as U.S. dollar, Mexican
`peso, British pound, European Euro, Japanese yen, South
`Korean won, etc. As discussed above, the selection can be
`manually selected by the user, such as from a menu or drop
`down screen, or determined from the user device, such as
`from the user's country of registration or user's funding
`source. For example, in the latter situation, if the user's fund
`ing source is in the United States, the device selects U.S.
`dollars as the currency. In some embodiments, even if the
`device determines the currency type, the user may have the
`option of overriding the selection and choosing a different
`currency.
`0030. Once selected, the user can select the type of cur
`rency, in step 302, that will be entered. For example, if the
`user wishes to see how S126.34 U.S. dollars in South Korean
`won looks like, the user would select South Korean won in
`step 300 and U.S. dollars in step 302. This capability may
`enable the user in a foreign land how much money he is
`willing to pay for something, such as in a bartering situation
`with local merchants, where the local merchant does not
`understand the user's language or native currency. In some
`embodiments, the device may default to the local currency or
`to the currency selected in step 300, where the user may have
`the option of overriding the default selection. With this capa
`bility, the device would have an application that converts
`currency, with at least a network connection accessing the
`latest currency conversion rates.
`0031. Once the currency display and entered amount are
`selected, the user enters an amount for display in step 304.
`The actual currency in the selected currency for that amount
`
`APPL-1008
`APPLE INC. / Page 8 of 12
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`US 2010/0042.535 A1
`
`Feb. 18, 2010
`
`is then displayed. A simple application within the device or
`connected to the device generates the visual for the currency
`display. The actual layout and positioning for the different
`coins, bills, etc., may be pre-arranged. Such as every time
`S126.34 is entered in U.S. dollars, the same display is shown.
`In other embodiments, the display may be different or ran
`dom. Either way, the display preferably shows the user at least
`a portion of each currency amount so that it is clear from
`simply seeing the display how much money is shown. The
`user now has a visual of actual currency representing an
`entered money amount.
`0032. The user may then have different options for what to
`do with the display. For example, in one embodiment, the user
`may be prompted to decide if he wants to transfer the shown
`amount in step 306. As discussed earlier, the user may want to
`simply keep the display on Screen to show a foreign merchant
`or other individual. If that is the case, the currency stays on the
`display, in step 308, for the user to show.
`0033. However, if the user wants to transfer money, the
`user may be prompted again to confirm whether the shown
`money is what is to be transferred in step 310. One reason the
`user may not want to transfer that money is a realization of
`how much money it actually is, which may be prompted from
`seeing the actual currency. It has been noted that when people
`handle or deal with simply money representations, such as
`casino chips, the sense of how much money is involved can
`Sometimes be lost. Another reason the user may not want to
`transfer the shown amount is that the user may have mis
`entered the amount in step 304, which is confirmed when
`seeing the actual currency displayed. For whatever reasons, if
`the user decides, after seeing he does not want to transfer that
`amount of money, the user may enter a new amount (in step
`304) or simply quit the application.
`0034. If the user decides that he does want to transfer the
`indicated amount, the user enters information about the
`recipient in step 312 so that the funds can be transferred to the
`proper account or source. Information may include an e-mail
`address, mailing/shipping address, account number, etc. In
`one embodiment, the user may access and select from a list of
`recipients. Next, the user, in step 314, selects a funding
`Source. Such as PayPal, a bank, a credit card, a debit card, etc.
`If the user has only one funding Source, this step is skipped.
`Once the funding source is selected, one embodiment may
`show the current balance in the funding source and any other
`information related to the source, such as past transactions. In
`Some embodiments, the user may also be able to enter a note
`to the recipient, such as by typing in a note box on the device
`display, and send the note with the money transfer.
`0035. After seeing the funding source balance, the user
`may decide to cancel the transaction if the Source does not
`have sufficient funds, switch the funding source to a different
`account, or transfer a lesser amount (step 304). However, if
`the user still wants to proceed with the transfer, the user
`confirms the transaction, such as by tapping an appropriate
`button, and the shown funds are transferred to the desired
`recipient in step 318.
`0036) Another way to transfer the funds is have the user
`simply slide the visual currency to a recipient icon on the
`display. In this embodiment, when the recipientis selected, an
`appropriate icon may appear on the screen, Such as a picture
`of the person. The user may then slide or drag the funds over
`the icon, which would show the funds disappearing or enter
`ing the icon, to represent a successful transfer. In other
`embodiments, multiple icons may be on the screen so that the
`
`user can simply slide the funds to the desired user without
`entering recipient information, such as in step 312. Processes
`for transferring funds via a phone or over mobile device are
`known, such as through PayPal. Thus, details of the money
`transfer are not described herein.
`0037. Once the money is sent, the displayed currency dis
`appears or is shown moving out of the device display. For
`example, the displayed currency may simply disappear,
`slowly fade away, move out of the display, Such as to the right,
`explode, enter the recipient's icon, or any suitable graphic. In
`other embodiments, the displayed currency may simply stay
`there until the user changes it.
`0038. In other embodiments, the display on a device may
`show a financial instrument, such as a specific type of credit
`card, bank card, or debit card. These may or may not be the
`selected funding Sources. Once selected or Swiped, the dis
`play may show the specific card. Such as a PayPal card, Visa,
`MC, AMEX, etc., as contrasted to a generic representation of
`a card or no visual at all. The visual image of the card could be
`shown in the background and relevant information, such as
`balance, past transactions, current transaction, amount, etc.,
`can be shown on the foreground.
`0039. In one embodiment, the recipient device may have
`the same or similar currency display features as described
`herein for the user (or transferring) device. For example,
`when funds are received by the recipient, an animation or
`visual can be displayed on the recipient device, showing the
`actual currency sent from the sender's account, the currency
`of the recipient's country, or a recipient-designed or selected
`'currency” Such as casino chips, gold bars, personalized bills
`and coins, or even items such as banana peels. Also, as with
`the sender side, the recipient can decide the source for the sent
`funds, such as the recipient's bank account, money market
`fund, or credit card. The recipient's device may show the
`actual currency fading into the display, Suddenly appearing
`on the display, moving into the display and then into an icon
`representing a receiving source, or any other Suitable graphic
`or animation.
`0040 FIG. 4 is a block diagram showing one embodiment
`ofa system 400 configured to utilize the currency display over
`a network 402. System 400 includes at least a user device 404,
`one or more recipient 406 devices, and at least one payment
`provider server 408 in communication over the network 402.
`0041. In one embodiment, the network 402 may be imple
`mented as a single network or a combination of multiple
`networks. For example, in various embodiments, network
`402 may include the Internet and/or one or more intranets,
`landline networks, wireless networks, and/or other appropri
`ate types of communication networks. In another example,
`the network may comprise a wireless telecommunications
`network (e.g., cellular phone network) adapted to communi
`cate with other communication networks, such as the Inter
`net.
`0042. In one embodiment, user device 404 may be imple
`mented using any appropriate combination of hardware and/
`or software configured for wired and/or wireless communi
`cation over network 402. For example, user device 404 may
`be implemented as a personal computer of a user 409 (e.g., a
`client or customer) in communication with network 402. Such
`as the Internet. In other examples, user device 404 may be
`implemented as a wireless telephone (e.g., cell phone), per
`Sonal digital assistant (PDA), notebook computer, and/or
`various other generally known types of computing devices.
`
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`
`0043. In one embodiment, user device 404 may include
`one or more browser applications 410 which may be used, for
`example, to provide a user interface to permit user 409 to
`browse information available over network 402. For example,
`browser application 410 may be implemented as a web
`browser to view information available over the Internet. User
`device 404 may also include one or more toolbar applications
`412, which may be used, for example, to provide client-side
`processing for performing tasks in response to operations
`selected by user 409. For example, toolbar application 412
`may display a graphical user interface (GUI) in connection
`with browser application 410.
`0044. In one embodiment, user device 404 may include a
`service application 414 for facilitating financial transactions
`on network 402, including money transfer, which is discussed
`in greater detail herein. In one implementation, service appli
`cation 414 comprises a Software program, Such as a graphical
`user interface (GUI), executable by a processor that is con
`figured to interface and communicate with the one or more
`recipient devices 406 and payment provider server 408 via
`network 402. User 409 is able to transfer funds to recipients
`through recipient device 406 by communicating with pay
`ment provider server 408. User device 408 also includes a
`display application 416 that determines the proper currency
`display from the entered money amount and currency type.
`Display application may also facilitate the user creating his
`own currency type.
`0045 User device 408 may include one or more user iden
`tifiers 418, which may be implemented, for example, as oper
`ating system registry entries, cookies associated with browser
`application 410, identifiers associated with hardware of user
`device 404, or various other appropriate identifiers. User
`identifier 418 may include attributes related to the user, such
`as personal information (e.g., a user name, password, photo
`graph image, biometric id, address, phone number, etc.) and
`banking information (e.g., banking institution, credit card
`issuer, user account numbers, security information, etc.). In
`various implementations, user identifier 418 may be passed
`with a user money transferrequest to payment provider server
`408, and user identifier 418 may be used by payment provider
`server 408 to associate user 409 with a particular user account
`maintained by payment provider server 408.
`0046. In one embodiment, recipient devices 406 may be
`the same or have the same basic features as user device 404.
`Accordingly, each recipient may be associated with one or
`more devices that can communicate with network 402 and
`which can receive payment information from user 409 and/or
`from payment provider server 408 over network 402. Recipi
`ent devices 406 may include attributes related to the recipient,
`Such as personal and banking information, as well as icon
`information. As a result, user device 404 may be able to
`access recipient attributes, such as icon information, for dis
`play or use by user device 404. In various implementations,
`attributes may be passed with a money transfer from user 409
`to payment provider server 408, and the attributes may be
`used by payment provider server 408 to associate a particular
`money transfer with a particular recipient account maintained
`by payment provider server 408. Each of the one or more
`recipients may need to establish an account with payment
`provider server 408 so that payment server provider 408 is
`able to process money transfers from user 409.
`0047. In one embodiment, payment provider server 408
`may be maintained, for example, by an online payment Ser
`Vice provider, which may provide payment processing for
`
`online transactions between user 409 and a recipient. In this
`regard, payment provider server 408 includes one or more
`payment applications 420, which may be configured to inter
`act with user device 404 and/or each of recipient devices 406
`over network 402 to facilitate the money transfer from user
`409 to a recipient. In one example, payment provider server
`406 may be provided by PayPal, Inc. of San Jose, Calif., USA.
`0048. In one embodiment, payment provider server 408
`may be configured to maintaina plurality of user and recipient
`accounts 422, each of which may include account informa
`tion 424 associated with individual users, including user 409,
`and the one or more recipient device 406. For example,
`account information 424 may include private financial infor
`mation of user 409 and recipients, such as one or more
`account numbers, passwords, credit card information, bank
`ing information, or other types of financial information,
`which may be used to facilitate online transactions between
`user 409 of user device 404 and one or more recipients asso
`ciated with recipient devices 406. As such, payment applica
`tion 420 may be configured to interact with the one or more
`recipient devices 406 on behalf of user 409 during a transac
`tion without requiring user 409 to provide account informa
`tion 424 directly to recipient device 406.
`0049 FIG. 5 is a block diagram of a system 500 suitable
`for implementing embodiments of the invention, including
`user device 404, one or more recipient devices 406, and
`payment processing device 408. System 500, such as part of
`a cell phone, personal computer and/or a network server,
`includes a bus 502 or other communication mechanism for
`communicating information, which interconnects Sub
`systems and components, such as a processing component
`504 (e.g., processor, micro-controller, digital signal proces
`sor (DSP), etc.), a system memory component 506 (e.g.,
`RAM), a static storage component 508 (e.g., ROM), a net
`work interface component 512, a display component 514, an
`input component 516 (e.g., keypad or keyboard), and a cursor
`control component 518 (e.g., a mouse pad).
`0050. In accordance with embodiments of the invention,
`system 500 performs specific operations by processor 504
`executing one or more sequences of one or more instructions
`contained in System memory component 506. Such instruc
`tions may be read into system memory component 506 from
`another computer readable medium, Such as static storage
`component 508. These can include instructions to create and
`display the proper currencies, convert currency, display vari
`ous types of graphics showing transfer of currency, etc. In
`other embodiments, hard-wired circuitry may be used in
`place of or in combination with Software instructions to
`implement the invention.
`0051
`Logic may be encoded in a computer readable
`medium, which may refer to any medium that participates in
`providing instructions to processor 504 for execution. Such a
`medium may take many forms, including but not limited to,
`non-volatile media, Volatile media, and transmission media.
`In various implementations, Volatile media includes dynamic
`memory, such as system memory component 506, and trans
`mission media includes coaxial cables, copper wire, and fiber
`optics, including wires that comprise bus 502. Memory may
`be used to store visual representations of the different cur
`rency types and denominations. In one example, transmission
`media may take the form of acoustic or light waves, such as
`those generated during radio wave and infrared data commu
`nications. Some common forms of computer readable media
`include, for example, RAM, PROM, EPROM, FLASH
`
`APPL-1008
`APPLE INC. / Page 10 of 12
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`US 2010/0042.535 A1
`
`Feb. 18, 2010
`
`EPROM, any other memory chip or cartridge, carrier wave, or
`any other medium from which a computer is adapted to read.
`0.052. In various embodiments of the invention, execution
`of instruction sequences to practice the invention may be
`performed by system 500. In various other embodiments, a
`plurality of systems 500 coupled by communication link 520
`(e.g., network 402 of FIG.4, LAN, WLAN, PTSN, or various
`other wired or wireless networks) may perform instruction
`sequences to practice the invention in coordination with one
`another. Computer system 500 may tr