公开(公告)号：US08626592B2

公开(公告)日：2014-01-07

申请号：US13846924

申请日：2013-03-18

Applicant: Google Inc.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/00

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。

公开(公告)号：US20160239155A1

公开(公告)日：2016-08-18

申请号：US14625117

申请日：2015-02-18

Applicant: Google Inc.

Inventor： Pavel Simakov

IPC: G06F3/0481

CPC classification number: G06F3/0481 ,  G06F16/435 ,  G06F16/94 ,  G06F16/9535 ,  G06Q30/0201 ,  G06Q30/0255 ,  G06Q30/0271

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for adaptive media. In one aspect, a method includes accessing publication data stored in a memory subsystem of the user device, the publication data defining an adaptive publication that includes a set of publication sections of a publication, each publication section including publication content for display on the user device for user consumption, presenting publication sections for consumption by a user. For each presentation of a particular publication section, the method includes monitoring interactions of the user while the particular publication section is presented, updating, based on the monitored interactions of the user, consumption preferences that describe preferences of the user for consuming content, selecting, based at least in part on the consumption preferences, another publication section for consumption by the user, and presenting another publication section immediately subsequent to the presentation of the particular publication section.

Abstract translation: 方法，系统和装置，包括在计算机存储介质上编码的用于自适应介质的计算机程序。 一方面，一种方法包括访问存储在用户设备的存储器子系统中的发布数据，发布数据定义包括发布的一组发布部分的自适应发布，每个发布部分包括用于在用户设备上显示的发布内容 为用户消费，呈现用户消费的发布部分。 对于特定发布部分的每个呈现，所述方法包括在呈现特定发布部分的同时监视用户的交互，基于所监视的用户的交互来更新，描述用户消费内容的偏好的消费偏好， 至少部分地基于消费偏好，另一个用户消费的出版部分，并且在特定出版部分的呈现之后立即呈现另一个出版部分。

公开(公告)号：US20150371233A1

公开(公告)日：2015-12-24

申请号：US14837471

申请日：2015-08-27

Applicant: GOOGLE INC.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/40

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。

公开(公告)号：US20130290121A1

公开(公告)日：2013-10-31

申请号：US13846924

申请日：2013-03-18

Applicant: GOOGLE INC.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/40

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。