公开(公告)号：US10096037B2

公开(公告)日：2018-10-09

申请号：US14595193

申请日：2015-01-12

Applicant: GOOGLE INC.

Inventor： Harry Lee Butler, IV ,  Glenn Berntson ,  Glenn Thrope ,  Xiaohang Wang

IPC: G06Q30/02 ,  G06Q20/12 ,  G06Q20/20

Abstract: Inferring purchase intent using non-payment transaction signals predicts whether a payment transaction has been completed based on non-payment information. An account system that operates outside of the payment path does not take part in and the approval of a financial transaction between the user and the merchant system, distributes an offer to the user. The user completes a financial payment transaction with the merchant and the account system determines whether a trigger event has occurred. The user performs an action or enters information using the user computing device, and the user computing device transmits an indication of the action to the account system. In another example, the account system receives notification from another system or device. The account system determines whether the action is a trigger event and the predictive model determines whether the user completed a financial transaction and/or redeemed the distributed offer.

公开(公告)号：US09886641B2

公开(公告)日：2018-02-06

申请号：US15267117

申请日：2016-09-15

Applicant: GOOGLE INC.

Inventor： Xiaohang Wang ,  Justin Scheiner ,  Glenn Berntson

IPC: G06K7/10 ,  G06K9/18 ,  G06K9/03 ,  G06K9/34 ,  G06K9/62 ,  G06K9/20 ,  G06K9/72 ,  G06K9/00 ,  G06K7/14

CPC classification number: G06K9/18 ,  G06K7/1447 ,  G06K9/00442 ,  G06K9/036 ,  G06K9/2054 ,  G06K9/344 ,  G06K9/62 ,  G06K9/6255 ,  G06K9/726 ,  G06K2209/01

Abstract: Extracting card information comprises a server at an optical character recognition (“OCR”) system that interprets data from a card. The OCR system performs an optical character recognition algorithm an image of a card and performs a data recognition algorithm on a machine-readable code on the image of the card. The OCR system compares a series of extracted alphanumeric characters obtained via the optical character recognition process to data extracted from the machine-readable code via the data recognition process and matches the alphanumeric series of characters to a particular series of characters extracted from the machine-readable code. The OCR system determines if the alphanumeric series and the matching series of characters extracted from the machine-readable code comprise any discrepancies and corrects the alphanumeric series of characters based on the particular series of characters extracted from the machine-readable code upon a determination that a discrepancy exists.

公开(公告)号：US20160019529A1

公开(公告)日：2016-01-21

申请号：US14551883

申请日：2014-11-24

Applicant: GOOGLE INC.

Inventor： Xiaohang Wang ,  Glenn Berntson

IPC: G06Q20/34

CPC classification number: G06Q40/00 ,  G06K9/00442 ,  G06K9/18 ,  G06K9/3258 ,  G06K2209/01 ,  G06Q20/34 ,  G06Q20/351 ,  G06Q20/36 ,  H04N5/2257

Abstract: A user captures an image of a payment card via a user computing device camera. An optical character recognition system receives the payment card image from the user computing device. The system performs optical character recognition and visual object recognition algorithms on the payment card image to extract text and visual objects from the payment card image, which are used by the system to identify a payment card type. The system may categorize the payment card as an open-loop card or a closed-loop card, or as a credit card or a non-credit card. In an example embodiment, the system allows or prohibits extracted financial account information from the payment card to be saved in the digital wallet account based on the determined payment card category. In another example embodiment, the system transmits an advisement to the user based on the determined payment card category.

Abstract translation: 用户通过用户计算设备相机捕获支付卡的图像。 光学字符识别系统从用户计算设备接收支付卡图像。 该系统在支付卡图像上执行光学字符识别和视觉对象识别算法，从支付卡图像中提取文本和视觉对象，系统用于识别支付卡类型。 系统可将支付卡分为开环卡或闭环卡，或信用卡或非信用卡。 在示例实施例中，系统允许或禁止从支付卡提取的金融账户信息基于所确定的支付卡类别被保存在数字钱包账户中。 在另一示例性实施例中，系统基于确定的支付卡类别向用户发送建议。

公开(公告)号：US20160019439A1

公开(公告)日：2016-01-21

申请号：US14550871

申请日：2014-11-21

Applicant: GOOGLE INC.

Inventor： Xiaohang Wang ,  Justin Scheiner ,  Glenn Berntson

IPC: G06K9/62 ,  G06K9/03 ,  G06K9/34

CPC classification number: G06K9/18 ,  G06K7/1447 ,  G06K9/00442 ,  G06K9/036 ,  G06K9/2054 ,  G06K9/344 ,  G06K9/62 ,  G06K9/6255 ,  G06K9/726 ,  G06K2209/01

Abstract: Extracting card information comprises a server at an optical character recognition (“OCR”) system that interprets data from a card. The OCR system performs an optical character recognition algorithm an image of a card and performs a data recognition algorithm on a machine-readable code on the image of the card. The OCR system compares a series of extracted alphanumeric characters obtained via the optical character recognition process to data extracted from the machine-readable code via the data recognition process and matches the alphanumeric series of characters to a particular series of characters extracted from the machine-readable code. The OCR system determines if the alphanumeric series and the matching series of characters extracted from the machine-readable code comprise any discrepancies and corrects the alphanumeric series of characters based on the particular series of characters extracted from the machine-readable code upon a determination that a discrepancy exists.

Abstract translation: 提取卡信息包括解释来自卡的数据的光学字符识别（“OCR”）系统的服务器。 OCR系统对卡的图像执行光学字符识别算法，并对卡的图像上的机器可读代码执行数据识别算法。 OCR系统将经由光学字符识别处理获得的一系列提取的字母数字字符与通过数据识别处理从机器可读代码提取的数据进行比较，并将字母数字系列字符与从机器可读取中提取的特定系列字符相匹配 码。 OCR系统确定从机器可读代码提取的字母数字序列和匹配的字符串是否包含任何差异，并且基于从机器可读代码中提取的特定字符序列来校正字母数字系列字符， 存在差异。

公开(公告)号：US20160019431A1

公开(公告)日：2016-01-21

申请号：US14550878

申请日：2014-11-21

Applicant: GOOGLE INC.

Inventor： Xiaohang Wang ,  Justin Scheiner ,  Glenn Berntson

IPC: G06K9/18 ,  G06K9/00

CPC classification number: G06K9/18 ,  G06K7/1447 ,  G06K9/00442 ,  G06K9/036 ,  G06K9/2054 ,  G06K9/344 ,  G06K9/62 ,  G06K9/6255 ,  G06K9/726 ,  G06K2209/01

Abstract: Extracting card information comprises a server at an optical character recognition (“OCR”) system that interprets data from a card. The OCR system performs an optical character recognition algorithm an image of a card and a data recognition algorithm on a machine-readable code on the image of the card. The OCR system compares a series of extracted alphanumeric characters obtained via the optical character recognition process to data extracted from the machine-readable code via the data recognition process and matches the alphanumeric series of characters to a particular series of characters extracted from the machine-readable code. The OCR system determines if the alphanumeric series and the matching series of characters extracted from the machine-readable code comprise any discrepancies and corrects the alphanumeric series of characters. The OCR system may also determine a card type and use a card format associated with the card type to improve the data extraction.

Abstract translation: 提取卡信息包括解释来自卡的数据的光学字符识别（“OCR”）系统的服务器。 OCR系统对卡的图像上的机器可读代码执行卡片的图像和数据识别算法的光学字符识别算法。 OCR系统将经由光学字符识别处理获得的一系列提取的字母数字字符与通过数据识别处理从机器可读代码提取的数据进行比较，并将字母数字系列字符与从机器可读取中提取的特定系列字符相匹配 码。 OCR系统确定从机器可读代码中提取的字母数字系列和匹配的字符串是否包含任何差异，并纠正字母数字系列字符。 OCR系统还可以确定卡类型并使用与卡类型相关联的卡格式来改进数据提取。