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公开(公告)号：US20160012430A1
公开(公告)日：2016-01-14
申请号：US14797029
申请日：2015-07-10
Applicant: GOOGLE INC.
Inventor： Sashikanth Chandrasekaran , Thai Ngoc Duong , Denise Ho , William Hartley Setchell , Diana K. Smetters , Sheldon I. Walfish , Zhihong Xu
CPC classification number: G06Q20/385 , G06Q20/00 , G06Q20/02 , G06Q20/0457 , G06Q20/16 , G06Q20/327 , G06Q20/405
Abstract: A payment processing system receives a token from a user device. Based on the first token, the payment processing system establishes a second token that remains valid longer than the first token. The payment processing system then associates the second token with a user account identifier and establishes a rescue code for use in an offline user transactions. The payment processing system then communicates the second token and the rescue code to the user device. When the user engages in an offline transaction, the payment processing system receives the rescue code and the user account identifier from the merchant computing device. Based on the user account identifier received from the merchant computing devices, the payment processing system identifies the second token and verifies that the received rescue code matches the rescue code associated with the user account identifier. Based on the verification, the payment processing system authorizes the sales transaction.
Abstract translation: 支付处理系统从用户设备接收令牌。 基于第一令牌，支付处理系统建立第二令牌，其比第一令牌保持有效。 然后，支付处理系统将第二令牌与用户帐户标识符相关联，并建立用于在离线用户交易中使用的救援代码。 支付处理系统然后将第二令牌和救援代码传送给用户设备。 当用户参与离线交易时，支付处理系统从商家计算设备接收救援代码和用户帐户标识符。 基于从商家计算设备接收到的用户帐户标识符，支付处理系统识别第二令牌并且验证所接收到的救援代码是否与与用户帐户标识符相关联的救援代码相匹配。 根据验证，支付处理系统授权销售交易。
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公开(公告)号：US20140323051A1
公开(公告)日：2014-10-30
申请号：US14324416
申请日：2014-07-07
Applicant: Google Inc.
Inventor： Philipp Hertel , Alexander W. Hertel , Sheldon I. Walfish
IPC: H04W76/02
CPC classification number: H04W76/14 , G06Q20/204 , G06Q20/3278 , H04B5/0031 , H04B5/0068 , H04L63/18 , H04W12/02 , H04W12/06 , H04W72/085 , H04W84/18
Abstract: Using a Bluetooth communication channel for point of sale processing simulates a near field communication connection. A contactless device and the point of sale reader establish an unsecure communication channel. The user taps the contactless device with a point of sale terminal reader. The contactless device creates receive signal strength indicator (“RSSI”) value spikes. The terminal reader measures the RSSI values and transmits them to the contactless device, which determines if the RSSI value reaches or exceeds a threshold configured for the contactless device. If the threshold is reached, the terminal reader and the contactless device establish a secure communication connection. The devices communicate via the secure communication connection, and the connection is terminated when a request to terminate is received.
Abstract translation: 将蓝牙通信通道用于销售点处理模拟近场通信连接。 非接触式设备和销售点读者建立不安全的通信渠道。 用户用销售点终端读取器点击非接触式设备。 非接触式设备创建接收信号强度指示器（“RSSI”）值尖峰。 终端读取器测量RSSI值并将其发送到非接触式设备，其确定RSSI值是否达到或超过为非接触式设备配置的阈值。 如果达到阈值，则终端读取器和非接触式设备建立安全的通信连接。 设备通过安全通信连接通信，并且当接收到终止请求时终止连接。
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公开(公告)号：US20140207556A1
公开(公告)日：2014-07-24
申请号：US14222558
申请日：2014-03-21
Applicant: GOOGLE INC.
Inventor： Philipp Hertel , Paul Lee , Sheldon I. Walfish , Alexander W. Hertel , Steven Viavant , Dan Moisa , Gene Sokolov
IPC: G06Q30/02
CPC classification number: G06Q30/0238 , G06Q30/02
Abstract: Processing of point of sale (“POS”) redemptions via a “tap” of a contactless device comprises a POS data collector that facilitates a connection with a contactless device. A merchant scans items for purchase using a POS scanner, which captures product identification information. The POS scanner forwards the product identification information to a POS terminal. The POS data collector intercepts the product identification information between the POS scanner and the POS terminal. A user taps the contactless device in the POS data collector's radio frequency field, and a communication channel is established between the contactless device and the POS data collector. The POS data collector identifies the user via the contactless device and identifies coupons, merchant offers, and other value-added services to redeem with the transaction. The POS data collector forwards this information to the POS terminal, the redemptions are applied to the transaction, and the communication is terminated.
Abstract translation: 通过非接触式设备的“抽头”对销售点（“POS”）的处理进行处理包括便于与非接触式设备连接的POS数据收集器。 商家使用POS扫描器扫描物品以进行购买，POS扫描器捕获产品标识信息。 POS机将产品识别信息转发到POS终端。 POS数据收集器拦截POS扫描器与POS终端之间的产品识别信息。 用户在POS数据采集器的射频场中点击非接触式设备，建立无接触设备与POS数据采集器之间的通信通道。 POS数据收集器通过非接触式设备识别用户，并识别优惠券，商家报价和其他增值服务以兑现交易。 POS数据收集器将该信息转发给POS终端，将赎回应用于交易，通信终止。
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公开(公告)号：US09198214B2
公开(公告)日：2015-11-24
申请号：US14324416
申请日：2014-07-07
Applicant: Google Inc.
Inventor： Philipp Hertel , Alexander W. Hertel , Sheldon I. Walfish
CPC classification number: H04W76/14 , G06Q20/204 , G06Q20/3278 , H04B5/0031 , H04B5/0068 , H04L63/18 , H04W12/02 , H04W12/06 , H04W72/085 , H04W84/18
Abstract: Using a Bluetooth communication channel for point of sale processing simulates a near field communication connection. A contactless device and the point of sale reader establish an unsecure communication channel. The user taps the contactless device with a point of sale terminal reader. The contactless device creates receive signal strength indicator (“RSSI”) value spikes. The terminal reader measures the RSSI values and transmits them to the contactless device, which determines if the RSSI value reaches or exceeds a threshold configured for the contactless device. If the threshold is reached, the terminal reader and the contactless device establish a secure communication connection. The devices communicate via the secure communication connection, and the connection is terminated when a request to terminate is received.
Abstract translation: 将蓝牙通信通道用于销售点处理模拟近场通信连接。 非接触式设备和销售点读者建立不安全的通信渠道。 用户用销售点终端读取器点击非接触式设备。 非接触式设备创建接收信号强度指示器（“RSSI”）值尖峰。 终端读取器测量RSSI值并将其发送到非接触式设备，其确定RSSI值是否达到或超过为非接触式设备配置的阈值。 如果达到阈值，则终端读取器和非接触式设备建立安全的通信连接。 设备通过安全通信连接通信，并且当接收到终止请求时终止连接。
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