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公开(公告)号：US20150220925A1
公开(公告)日：2015-08-06
申请号：US14174828
申请日：2014-02-06
Applicant: Google Inc.
Inventor： Justin Lee Brickell , Swaminathan Mahadevan , Harry Lee Butler, IV , Bobby Wieler , Ignacio Carlos Blanco
CPC classification number: G06Q20/4014 , G06Q20/36
Abstract: Using discretionary data fields to secure transactions comprises a payment system employing a server configured to associate a payment account of a user with a user computing device, the payment account comprising a payment account identifier that identifies the payment account, and establish a authentication challenge and an corresponding challenge response. The payment system receives a first payment authorization request originating from a merchant computing system comprising the payment account identifier, data associated with the payment account identifier, and a request to fund a transaction using the payment account, wherein the data associated with the payment account identifier comprises a challenge response provided by the user computing device located in a discretionary data field. The payment system compares the provided challenge response with the corresponding challenge response, and approves the transaction based on whether the provided challenge response and the corresponding challenge response match.
Abstract translation: 使用任意数据字段来保护交易包括采用服务器的支付系统，所述服务器被配置为将用户的支付账户与用户计算设备相关联，所述支付账户包括标识支付账户的支付帐户标识符，以及建立认证挑战和 相应的挑战回应。 支付系统接收来自商业计算系统的第一支付授权请求，该请求包括支付帐户标识符，与支付帐户标识符相关联的数据，以及使用支付账户资助交易的请求，其中与付款帐户识别符相关联的数据 包括由位于任意数据字段中的用户计算设备提供的质询响应。 支付系统将提供的挑战响应与相应的挑战响应进行比较，并且基于所提供的挑战响应和相应的挑战响应是否匹配来批准交易。
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公开(公告)号：US20140351131A1
公开(公告)日：2014-11-27
申请号：US14140802
申请日：2013-12-26
Applicant: GOOGLE INC.
Inventor： Harry Lee Butler, IV , Osama Bedier , Peter Hazlehurst , Michael Scott Blandina , Bobby Wieler
IPC: G06Q20/40
CPC classification number: G06Q30/0222 , G06Q20/28 , G06Q20/40 , G06Q20/4016
Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
Abstract translation: 用于维护预付费支付系统的方法包括可用于完成与商家的购买交易的用户帐户。 在商家从支付系统接收到支付批准通知的时间和支付系统向与用户的支付系统帐户相关联的资金账户的发行者发送支付请求的时间之间引入延迟处理窗口。 支付系统利用由支付系统维护的用户存储价值账户来满足预付款计划的要求，因此处理从商家收到的支付请求，并且在未获得资金账户的发行者的事先授权的情况下发送支付批准通知 。 支付系统在用户和商家之间的购买交易完成之后的一个时刻提交资金交易的一个或多个付款请求。
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Patent Agency Ranking
公开(公告)号：US09858572B2
公开(公告)日：2018-01-02
申请号：US14174828
申请日：2014-02-06
Applicant: Google Inc.
Inventor： Justin Lee Brickell , Swaminathan Mahadevan , Harry Lee Butler, IV , Bobby Wieler , Ignacio Carlos Blanco
CPC classification number: G06Q20/4014 , G06Q20/36
Abstract: Using discretionary data fields to secure transactions comprises a payment system employing a server configured to associate a payment account of a user with a user computing device, the payment account comprising a payment account identifier that identifies the payment account, and establish a authentication challenge and an corresponding challenge response. The payment system receives a first payment authorization request originating from a merchant computing system comprising the payment account identifier, data associated with the payment account identifier, and a request to fund a transaction using the payment account, wherein the data associated with the payment account identifier comprises a challenge response provided by the user computing device located in a discretionary data field. The payment system compares the provided challenge response with the corresponding challenge response, and approves the transaction based on whether the provided challenge response and the corresponding challenge response match.
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公开(公告)号：US20170104765A1
公开(公告)日：2017-04-13
申请号：US15333944
申请日：2016-10-25
Applicant: GOOGLE INC.
Inventor： Justin Lee Brickell , Jonathan Kingsley Blatter , Bobby Wieler , Harry Lee Butler, IV , Ignacio Carlos Blanco , Denis Lila
CPC classification number: H04L63/123 , G06F21/45 , G06Q20/3227 , G06Q20/3278 , G06Q20/385 , G06Q20/40
Abstract: A bundle of public counters and a corresponding bundle of private counters are created and transmitted to a user device. The user device receives a request and processes the request without accessing a secure element processor on the user device. The user device calculates a security code using the private counter and a number. The user device transmits the calculated security code and one of the bundle of public counters in response to the request. A receiver of the response to the request determines the validity of the public counter and looks up the corresponding private counter using the public counter. The receiver determines the validity of the security code by recomputing it using the private counter and the number.
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公开(公告)号：US20160358144A1
公开(公告)日：2016-12-08
申请号：US14733917
申请日：2015-06-08
Applicant: GOOGLE INC.
Inventor： Glenn Thrope , Xiaohang Wang , Glenn Berntson , Harry Lee Butler, IV
CPC classification number: G06Q20/204 , G01C21/00 , G01C21/32 , G06N3/02 , G06Q30/0261 , H04W4/027 , H04W4/029 , H04W4/38 , H04W4/80
Abstract: Identifying the geolocation of POS terminals using non-payment events to predict when the geolocation of a computing device at a time when the device detects events corresponds to the geolocation of the terminal. The device monitors for pre-selected events and transmit data to the account system. The account system determines a frequency of the events and it reaches a pre-defined threshold, the account system identifies the location of the terminal by identifying the common geolocation of the events. The identified geolocation is saved so that when a user then enters the location and transmits event data to the account system, the system can compare the geolocation of the event data to the saved geolocation to determine whether the computing device is located at the terminal. If the computing device is located at the terminal, the account system transmits offers or other content for display and use at the identified terminal.
Abstract translation: 使用非支付事件识别POS终端的地理位置，以预测在设备检测到事件时计算设备的地理位置何时对应于终端的地理定位。 设备监控预先选择的事件并将数据传输到帐户系统。 帐户系统确定事件的频率并达到预定义的阈值，帐户系统通过识别事件的公共地理位置来识别终端的位置。 所识别的地理定位被保存，使得当用户然后输入位置并将事件数据发送到帐户系统时，系统可以将事件数据的地理位置与保存的地理位置进行比较，以确定计算设备是否位于终端。 如果计算设备位于终端，则帐户系统在所识别的终端上发送提供或其他内容以进行显示和使用。
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公开(公告)号：US20140351132A1
公开(公告)日：2014-11-27
申请号：US14140819
申请日：2013-12-26
Applicant: GOOGLE INC.
Inventor： Bobby Wieler , Harry Lee Butler, IV , Amir Fish , Shantan Rao
IPC: G06Q20/40
CPC classification number: G06Q30/0222 , G06Q20/28 , G06Q20/40 , G06Q20/4016
Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
Abstract translation: 用于维护预付费支付系统的方法包括可用于完成与商家的购买交易的用户帐户。 在商家从支付系统接收到支付批准通知的时间和支付系统向与用户的支付系统帐户相关联的资金账户的发行者发送支付请求的时间之间引入延迟处理窗口。 支付系统利用由支付系统维护的用户存储价值账户来满足预付款计划的要求，因此处理从商家收到的支付请求，并且在未获得资金账户的发行者的事先授权的情况下发送支付批准通知 。 支付系统在用户和商家之间的购买交易完成之后的一个时刻提交资金交易的一个或多个付款请求。
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公开(公告)号：US20140351040A1
公开(公告)日：2014-11-27
申请号：US14140879
申请日：2013-12-26
Applicant: Google Inc.
Inventor： Tim Kuchlein , Harry Lee Butler, IV , Peter Hazlehurst , Shantan Rao , Yan Chen , Marlo James McGriff, II , Yanka Li , Ignacio Carlos Blanco , Amit Chandak , Shobhana Katukuri
CPC classification number: G06Q30/0222 , G06Q20/28 , G06Q20/40 , G06Q20/4016
Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
Abstract translation: 用于维护预付费支付系统的方法包括可用于完成与商家的购买交易的用户帐户。 在商家从支付系统接收到支付批准通知的时间和支付系统向与用户的支付系统帐户相关联的资金账户的发行者发送支付请求的时间之间引入延迟处理窗口。 支付系统利用由支付系统维护的用户存储价值账户来满足预付款计划的要求，因此处理从商家收到的支付请求，并且在未获得资金账户的发行者的事先授权的情况下发送支付批准通知 。 支付系统在用户和商家之间的购买交易完成之后的一个时刻提交资金交易的一个或多个付款请求。
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