公开(公告)号：US20160132875A1

公开(公告)日：2016-05-12

申请号：US14173614

申请日：2014-02-05

Applicant: GOOGLE INC.

Inventor： Ignacio Carlos Blanco ,  Daniel Joseph Talavera ,  Amit Chandak

IPC: G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/0453

Abstract: An account management system receives a payment authorization request from a merchant system for a transaction involving a user. The account management system identifies one or more user accounts associated with the transaction and processes the transaction after sending a payment authorization request to the issuer(s) of the user's financial account(s) and receiving an approval. After receiving a payment request, or shortly thereafter, the user device logs additional transaction data to transmit to the account management system, which uses the data to find a single transaction that correlates with financial transaction data. The account management system creates an enhanced receipt to transmit to the user device by augmenting the financial transaction data and may adjust the merchant information based on location data received from the user device or the payment amount based on an identified merchant type. The account management system updates the enhanced receipt if new information is received.

Abstract translation: 帐户管理系统从商家系统接收涉及用户的交易的支付授权请求。 帐户管理系统识别与交易相关联的一个或多个用户帐户，并且在向用户的财务账户的发行者发送支付授权请求并且接收到批准之后处理该交易。 在接收到付款请求之后或之后不久，用户设备记录附加的交易数据以传送到帐户管理系统，账户管理系统使用该数据来查找与金融交易数据相关的单个交易。 帐户管理系统通过增加金融交易数据来创建增强的收据以向用户装置发送，并且可以基于从用户装置接收的位置数据或基于所识别的商家类型的支付金额来调整商家信息。 如果接收到新信息，帐户管理系统将更新增强的收据。