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公开(公告)号：US10360550B2
公开(公告)日：2019-07-23
申请号：US13731098
申请日：2012-12-30
Applicant: GOOGLE INC.
Inventor： Narelle Cozens , Travis Harrison Kroll Green , Boris Mizhen , Phillip Neal Sharp , Josh Ostrow , Hoai Nguyen , Peter Schmitt
Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.
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公开(公告)号：US20160196549A1
公开(公告)日：2016-07-07
申请号：US15072191
申请日：2016-03-16
Applicant: GOOGLE INC.
Inventor： Boris Mizhen , Kendra Shannon Curtis
CPC classification number: G06Q20/36 , G06Q20/10 , G06Q20/227 , G06Q20/367 , G06Q30/04 , G06Q30/06 , G06Q30/0613 , G06Q30/0635
Abstract: The invention provides a computer-implemented method to select a preferred card for a purchase based on a merchant category. In the exemplary method, the computer associates a plurality of financial accounts with an account of a user; associates a merchant category with a financial account associated with the user account; and receives data from a transaction. The computer can maintain a database of merchant categories; determine the category of the merchant based on the data associated with the transaction; and extract data to identify the merchant, such as merchant name, address, or telephone number. The computer can determine the geo-location of the user device and determine the merchant identify from the location. The computer can determine a merchant category of the merchant from the merchant identity; select the financial account associated with the merchant category of the merchant; and communicate the financial account selected to conduct the transaction.
Abstract translation: 本发明提供了一种计算机实现的方法，用于基于商家类别选择用于购买的优选卡。 在示例性方法中，计算机将多个财务帐户与用户的帐户相关联; 将商家类别与与用户帐户相关联的财务帐户关联; 并从事务接收数据。 计算机可以维护商家类别的数据库; 基于与交易相关联的数据来确定商家的类别; 并提取数据以识别商家，例如商家名称，地址或电话号码。 计算机可以确定用户设备的地理位置，并从该位置确定商家标识。 计算机可以从商家身份确定商家的商家类别; 选择与商家的商家类别相关联的金融帐户; 并传达选择进行交易的财务帐户。
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公开(公告)号：US20150339492A1
公开(公告)日：2015-11-26
申请号：US14284722
申请日：2014-05-22
Applicant: Google Inc.
Inventor： Boris Mizhen , Lev Epshteyn
IPC: G06F21/62
CPC classification number: G06F21/6245 , G06F21/62 , G06F21/6281 , G06F2221/2127 , H04W4/50
Abstract: Systems and techniques are provided for protecting user privacy from intrusive mobile applications. A capability request may be received from an application. The capability request may be a request for access to data associated with a capability. A selection may be received to provide the application with stub data upon receiving a request from the application to access the data associated with the capability. The stub data may be generated to be provided to the application when the application requests the data associated with the capability. The stub data may be stored. A request may be received from the application for the data associated with the capability. It may be determined that the application is to be provided with the stub data when the application requests access to the data associated with the capability. The stub data may be retrieved. The stub data may be provided to the application.
Abstract translation: 提供系统和技术来保护用户隐私免受入侵的移动应用。 可以从应用程序接收能力请求。 能力请求可以是访问与能力相关联的数据的请求。 可以接收到选择，以在从应用接收到访问与该能力相关联的数据的请求时向应用提供存根数据。 当应用程序请求与该能力相关联的数据时，可以生成存根数据以提供给应用。 存根数据可以存储。 可以从应用程序接收与该能力相关联的数据的请求。 当应用程序请求访问与该能力相关联的数据时，可以确定应用程序将被提供存根数据。 可以检索存根数据。 存根数据可以被提供给应用。
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14.发明申请公开(公告)号：US20130262239A1
公开(公告)日：2013-10-03
申请号：US13863378
申请日：2013-04-15
Applicant: GOOGLE INC.
Inventor： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
CPC classification number: G06Q30/0269 , G06Q20/223 , G06Q20/322 , G06Q30/0281 , G06Q30/06 , G06Q30/0639 , G06Q50/01
Abstract: A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.
Abstract translation: 用户在其移动设备上安装对等支付应用程序（“PPA”）。 PPA将用户设备的位置发送到位于对等支付系统（PPS）中的服务器。 PPS可以在可能处于活动状态的用户的某一接近度内搜索其他设备。 PPS可以搜索用户的社交网络内容以确定任何邻近设备用户是否可能是对方。 如果识别出不止一个可能的对方，则PPS可以根据定义与用户的连接强度的预先设定的一组因素对对方进行排序。 这些因素可能包括其在用户社交网络中的状态，联系频率，先前交易或进一步建立关系的其他因素。 PPS可以将可能的对方的排名列表发送到PPA以在设备上向用户显示。
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Patent Agency Ranking
公开(公告)号：US20170132591A1
公开(公告)日：2017-05-11
申请号：US15406331
申请日：2017-01-13
Applicant: GOOGLE INC.
Inventor： Travis Harrison Kroll Green , Michael DePasquale , Boris Mizhen , Josh Ostrow , Peter Schmitt , Kevin Michael Bierhoff , Alevtina Stolpnik , Avery Pennarun , Narelle Cozens
IPC: G06Q20/10
Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that arc communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.
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公开(公告)号：US08762272B1
公开(公告)日：2014-06-24
申请号：US13728478
申请日：2012-12-27
Applicant: Google Inc.
Inventor： Narelle Cozens , Michael DePasquale , Travis Harrison Kroll Green , Boris Mizhen , Peter Schmitt
CPC classification number: G06Q20/223 , G06Q10/107 , G06Q20/10 , G06Q20/102
Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.
Abstract translation: 一种电子邮件支付系统和方法，用于向用户提供通过电子邮件消息发送和向其他收件人发送付款的能力。 在电子邮件客户端中提供用户界面，允许用户使用电子邮件插入付款。 付款细节通过电子邮件客户端中显示的一个或多个付款模式收集。 付款对象被插入到电子邮件的正文中，并显示给发件人和收件人。 在支付对象中捕获的支付细节被传送到支付处理器。 支付处理器使用与相应的发送者和接收者电子邮件地址相关联的电子支付帐户来识别相关电子支付账户并在所述帐户之间转移支付。 在发送方和收件人电子邮件客户端中的电子邮件的付款对象中跟踪并显示支付交易的状态。
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公开(公告)号：US10185954B2
公开(公告)日：2019-01-22
申请号：US15072191
申请日：2016-03-16
Applicant: GOOGLE INC.
Inventor： Boris Mizhen , Kendra Shannon Curtis
Abstract: The invention provides a computer-implemented method to select a preferred card for a purchase based on a merchant category. In the exemplary method, the computer associates a plurality of financial accounts with an account of a user; associates a merchant category with a financial account associated with the user account; and receives data from a transaction. The computer can maintain a database of merchant categories; determine the category of the merchant based on the data associated with the transaction; and extract data to identify the merchant, such as merchant name, address, or telephone number. The computer can determine the geo-location of the user device and determine the merchant identify from the location. The computer can determine a merchant category of the merchant from the merchant identity; select the financial account associated with the merchant category of the merchant; and communicate the financial account selected to conduct the transaction.
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公开(公告)号：US20140188714A1
公开(公告)日：2014-07-03
申请号：US13728478
申请日：2012-12-27
Applicant: GOOGLE INC.
Inventor： Narelle Cozens , Michael DePasquale , Travis Harrison Kroll Green , Boris Mizhen , Peter Schmitt
IPC: G06Q20/22
CPC classification number: G06Q20/223 , G06Q10/107 , G06Q20/10 , G06Q20/102
Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.
Abstract translation: 一种电子邮件支付系统和方法，用于向用户提供通过电子邮件消息发送和向其他收件人发送付款的能力。 在电子邮件客户端中提供用户界面，允许用户使用电子邮件插入付款。 付款细节通过电子邮件客户端中显示的一个或多个付款模式收集。 付款对象被插入到电子邮件的正文中，并显示给发件人和收件人。 在支付对象中捕获的支付细节被传送到支付处理器。 支付处理器使用与相应的发送者和接收者电子邮件地址相关联的电子支付帐户来识别相关电子支付账户并在所述帐户之间转移支付。 在发送方和收件人电子邮件客户端中的电子邮件的付款对象中跟踪并显示支付交易的状态。
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公开(公告)号：US20140156521A1
公开(公告)日：2014-06-05
申请号：US14148704
申请日：2014-01-06
Applicant: GOOGLE INC.
Inventor： Narelle Cozens , Michael DePasquale , Travis Harrison Kroll Green , Boris Mizhen , Josh Ostrow , Avery Pennarun , Hoai Nguyen , Peter Schmitt
IPC: G06Q20/22
CPC classification number: G06Q20/102 , G06Q20/223 , G06Q20/3224 , G06Q20/4016 , G06Q20/405 , G06Q50/01
Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.
Abstract translation: 排序付款请求包括对等支付系统，其使用被配置为从请求者计算设备接收支付请求的服务器; 接收请求者网络设备的位置数据; 接收对付款请求的排序请求; 搜索付款人请求者出现的社会网络信息; 接收所述支付者网络设备的位置数据，所述位置数据包括所述支付者计算设备的位置和所述支付者计算设备的位置历史; 搜索付款人的交易历史; 至少部分地基于请求者的一个或多个位置对付款请求进行排序，对于每个支付请求者的支付者的社交网络连接的强度以及付款者和请求者之间的之前交易的数量; 并向付款人提供付款请求的排名。
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