公开(公告)号：US20140351040A1

公开(公告)日：2014-11-27

申请号：US14140879

申请日：2013-12-26

Applicant: Google Inc.

Inventor： Tim Kuchlein ,  Harry Lee Butler, IV ,  Peter Hazlehurst ,  Shantan Rao ,  Yan Chen ,  Marlo James McGriff, II ,  Yanka Li ,  Ignacio Carlos Blanco ,  Amit Chandak ,  Shobhana Katukuri

IPC: G06Q20/20 ,  G06Q20/40

CPC classification number: G06Q30/0222 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/4016

Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

Abstract translation: 用于维护预付费支付系统的方法包括可用于完成与商家的购买交易的用户帐户。 在商家从支付系统接收到支付批准通知的时间和支付系统向与用户的支付系统帐户相关联的资金账户的发行者发送支付请求的时间之间引入延迟处理窗口。 支付系统利用由支付系统维护的用户存储价值账户来满足预付款计划的要求，因此处理从商家收到的支付请求，并且在未获得资金账户的发行者的事先授权的情况下发送支付批准通知 。 支付系统在用户和商家之间的购买交易完成之后的一个时刻提交资金交易的一个或多个付款请求。

公开(公告)号：US20160132875A1

公开(公告)日：2016-05-12

申请号：US14173614

申请日：2014-02-05

Applicant: GOOGLE INC.

Inventor： Ignacio Carlos Blanco ,  Daniel Joseph Talavera ,  Amit Chandak

IPC: G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/0453

Abstract: An account management system receives a payment authorization request from a merchant system for a transaction involving a user. The account management system identifies one or more user accounts associated with the transaction and processes the transaction after sending a payment authorization request to the issuer(s) of the user's financial account(s) and receiving an approval. After receiving a payment request, or shortly thereafter, the user device logs additional transaction data to transmit to the account management system, which uses the data to find a single transaction that correlates with financial transaction data. The account management system creates an enhanced receipt to transmit to the user device by augmenting the financial transaction data and may adjust the merchant information based on location data received from the user device or the payment amount based on an identified merchant type. The account management system updates the enhanced receipt if new information is received.

Abstract translation: 帐户管理系统从商家系统接收涉及用户的交易的支付授权请求。 帐户管理系统识别与交易相关联的一个或多个用户帐户，并且在向用户的财务账户的发行者发送支付授权请求并且接收到批准之后处理该交易。 在接收到付款请求之后或之后不久，用户设备记录附加的交易数据以传送到帐户管理系统，账户管理系统使用该数据来查找与金融交易数据相关的单个交易。 帐户管理系统通过增加金融交易数据来创建增强的收据以向用户装置发送，并且可以基于从用户装置接收的位置数据或基于所识别的商家类型的支付金额来调整商家信息。 如果接收到新信息，帐户管理系统将更新增强的收据。