公开(公告)号：US20170223005A1

公开(公告)日：2017-08-03

申请号：US15392316

申请日：2016-12-28

Applicant: Google Inc.

Inventor： Arnar Birgisson ,  Yevgeniy Gutnik ,  Bo Zhu ,  Vitaly Buka ,  Jason Reid Ederle ,  Alexey Semenov ,  Mackenzie Lee Jacoby ,  Vikas Gupta

IPC: H04L29/06

CPC classification number: H04L63/083 ,  G07C9/00174 ,  G07C2009/00769 ,  G07C2209/04 ,  H04L63/0807 ,  H04L63/101 ,  H04L2012/2841 ,  H04W4/70 ,  H04W4/80 ,  H04W12/08

Abstract: The disclosed embodiments include computerized methods, systems, and devices, including computer programs encoded on a computer storage medium, for device authentication. For example, the resource device may generate and maintain master access tokens, which may be transmitted to a computing system. The computing system may receive, from a device of an owner of the resource device, data granting a client device limited access to the resource device in accordance with various access restrictions. The computing system may generate and provide to the client device a limited version of the master access token that specifies the access restrictions. The client device may present the local access token to the resource device over a direct wireless connection, and the resource device may verify the token and grant the requested access without communication with the computing system.

公开(公告)号：US08943001B1

公开(公告)日：2015-01-27

申请号：US13921148

申请日：2013-06-18

Applicant: Google Inc.

Inventor： Vikas Gupta

IPC: G06Q40/00 ,  G06Q30/06 ,  G06Q20/40

CPC classification number: G06Q30/0637 ,  G06Q20/40

Abstract: A deferred payment authorization system that allows users to exercise an instant purchase, deferred payment option for online payment without providing payment information. multiple transaction costs for frequent or recurring purchases can be reduced to a single transaction that can be processed offline at the user's convenience, particularly for small, online purchases made on a frequent or reoccurring basis.

Abstract translation: 一种延期付款授权系统，允许用户在不提供付款信息的情况下即时购买延期付款方式进行在线支付。 频繁或定期购买的多个交易成本可以减少到可以在用户方便的情况下离线处理的单个交易，特别是对于经常或重复出现的小型在线购买。

公开(公告)号：US20160171459A1

公开(公告)日：2016-06-16

申请号：US13933113

申请日：2013-07-01

Applicant: GOOGLE INC.

Inventor： Vikas Gupta

IPC: G06Q20/02 ,  G06Q40/00

CPC classification number: G06Q20/108 ,  G06Q20/042 ,  G06Q20/3223 ,  G06Q20/3276 ,  G06Q40/02

Abstract: A check service provider enables users to make and receive payments from a financial account via a mobile electronic device, such as a smartphone or tablet computer. The device includes a check module and a camera. A user can capture an image of a check using the camera and the check module deciphers information, such as an account number, bank routing number, and information regarding the account holder, from the image of the check. The user can then make payments from and receive payments into the financial account associated with the imaged check via the check module without having the physically write or deposit a check. The check service provider interacts with the ACH to settle payments directly between the user's accounts without handling the money. Users can be notified of pending payments via text, voice, and e-mail messaging.

Abstract translation: 检查服务提供商使用户能够通过诸如智能电话或平板电脑的移动电子设备从金融账户发送和接收付款。 该装置包括检查模块和照相机。 用户可以使用相机拍摄支票的图像，并且检查模块从支票的图像中解密信息，例如帐号，银行路由号码和关于账户持有人的信息。 然后，用户可以通过支票模块从付款和接收与成像支票相关联的金融账户，而无需物理写入或存入支票。 检查服务提供商与ACH进行交互，直接在用户帐户之间解决支付，而无需处理该款项。 可以通过文本，语音和电子邮件消息通知用户待付款。