公开(公告)号：US20150019417A1

公开(公告)日：2015-01-15

申请号：US13928349

申请日：2013-06-26

Applicant: GOOGLE INC.

Inventor： Mark William Andrews ,  William Dennis Kunz ,  Steve Chen ,  Reena Nadkarni ,  Jonathan M. Newman ,  Buckner Woodford Clay, IV ,  Michael Schenker ,  Titia Tin Yee Wong ,  Stephen Tai-Chung Hu

IPC: G06Q20/36

CPC classification number: G06Q20/363 ,  G06Q20/3672

Abstract: A digital wallet provider system provides an interface specification to a financial account issuer. Using the interface specification, the financial account issuer system provides user financial account information directly to the digital wallet provider system without requiring the user to enter the user's financial account information. Once the digital wallet provider system receives the user's financial account information from the financial account issuer system, the digital wallet provider system verifies the identity of the user and the completeness of the financial account information received from the financial account issuer system. The digital wallet provider then updates the user's digital wallet account, on behalf of the user, to include the user's financial account.

Abstract translation: 数字钱包提供者系统向金融账户发行者提供接口规范。 使用接口规范，金融账户发行者系统将用户金融账户信息直接提供给数字钱包提供者系统，而不需要用户输入用户的金融账户信息。 一旦数字钱包提供者系统从金融账户发行者系统接收用户的财务账户信息，数字钱包提供者系统将验证用户的身份以及从金融账户发行者系统接收到的金融账户信息的完整性。 然后，数字钱包提供商代表用户更新用户的数字钱包帐户，以包括用户的财务帐户。

公开(公告)号：US10430782B2

公开(公告)日：2019-10-01

申请号：US15211641

申请日：2016-07-15

Applicant: GOOGLE INC.

Inventor： Johnie Lee ,  Titia Tin Yee Wong

IPC: G06Q20/32 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q30/02 ,  G06Q20/02

Abstract: Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

公开(公告)号：US20170017951A1

公开(公告)日：2017-01-19

申请号：US15211746

申请日：2016-07-15

Applicant: GOOGLE INC.

Inventor： Johnie Lee ,  Roman Kalukiewicz ,  Titia Tin Yee Wong ,  Petra Cross ,  Andrew Waterman ,  Michael Kuo-Li Ying ,  Zachary Cancio

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q30/02

CPC classification number: G06Q20/3278 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q30/0226

Abstract: Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

公开(公告)号：US20170017950A1

公开(公告)日：2017-01-19

申请号：US15211641

申请日：2016-07-15

Applicant: GOOGLE INC.

Inventor： Johnie Lee ,  Titia Tin Yee Wong

IPC: G06Q20/32 ,  G06Q20/20

CPC classification number: G06Q20/3278 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q30/0226

Abstract: Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

公开(公告)号：US20170017940A1

公开(公告)日：2017-01-19

申请号：US15211627

申请日：2016-07-15

Applicant: GOOGLE INC.

Inventor： Johnie Lee ,  Titia Tin Yee Wong ,  Andrew Waterman

IPC: G06Q20/10 ,  G06Q20/20 ,  G06Q20/32

CPC classification number: G06Q20/3278 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q30/0226

Abstract: Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

Abstract translation: 在邻近连接交易期间处理商家特定功能服务。 商家终端向计算设备发送附加数据，使得设备能够识别商家。 计算设备可以实现诸如提供，奖励，忠诚度信息和适用于所识别的商家的其他激励的商家特定的功能。 设备之间的双向通信允许计算设备将这些识别的激励传送到商家终端。 商户终端可以调整购买价格。 计算设备还可以使商家特定的金融工具能够将商家的身份传达给管理系统。 管理系统可以建立与商家的网络连接，以提供更大量的数据，否则这些数据将超出用于在计算设备和商家终端之间建立安全通信信道的邻近连接的有限带宽。