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公开(公告)号：US09965754B2
公开(公告)日：2018-05-08
申请号：US14733917
申请日：2015-06-08
Applicant: GOOGLE INC.
Inventor： Glenn Thrope , Xiaohang Wang , Glenn Berntson , Harry Lee Butler, IV
IPC: G06Q20/00 , G06Q20/20 , G01C21/00 , H04W4/02 , G06N3/02 , G01C21/32 , G06Q30/02 , H04W4/00 , G06Q30/00
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.
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公开(公告)号：US20170004370A1
公开(公告)日：2017-01-05
申请号：US15267117
申请日：2016-09-15
Applicant: GOOGLE INC.
Inventor： Xiaohang Wang , Justin Scheiner , Glenn Berntson
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。
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3.发明授权公开(公告)号：US09569796B2
公开(公告)日：2017-02-14
申请号：US15139295
申请日：2016-04-26
Applicant: GOOGLE INC.
Inventor： Xiaohang Wang , Glenn Berntson
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。
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4.发明申请公开(公告)号：US20160019530A1
公开(公告)日：2016-01-21
申请号：US14551991
申请日：2014-11-24
Applicant: GOOGLE INC.
Inventor： Xiaohang Wang , Glenn Berntson
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 a credit card or a non-credit card. In an example embodiment, the system determines that the payment card type is a credit card and transmits fee structure to the user. The user selects a second payment card for use in the transaction and the transaction is processed using financial account information associated with the second payment card.
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。 系统可将支付卡分类为信用卡或非信用卡。 在示例实施例中，系统确定支付卡类型是信用卡，并向用户发送费用结构。 用户选择在交易中使用的第二支付卡，并且使用与第二支付卡相关联的金融账户信息来处理交易。
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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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Patent Agency Ranking
6.发明授权公开(公告)号：US09342830B2
公开(公告)日：2016-05-17
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。
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公开(公告)号：US09904956B2
公开(公告)日：2018-02-27
申请号：US14551991
申请日：2014-11-24
Applicant: GOOGLE INC.
Inventor： Xiaohang Wang , Glenn Berntson
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 a credit card or a non-credit card. In an example embodiment, the system determines that the payment card type is a credit card and transmits fee structure to the user. The user selects a second payment card for use in the transaction and the transaction is processed using financial account information associated with the second payment card.
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公开(公告)号：US09460358B2
公开(公告)日：2016-10-04
申请号：US14550871
申请日：2014-11-21
Applicant: GOOGLE INC.
Inventor： Xiaohang Wang , Justin Scheiner , Glenn Berntson
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，并将字母数字系列与从机器可读取的特定系列字符匹配 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。
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9.发明申请Classifying Open-Loop And Closed-Loop Payment Cards Based On Optical Character Recognition 有权基于光学字符识别的开环和闭环支付卡分类公开(公告)号：US20160239911A1
公开(公告)日：2016-08-18
申请号：US15139295
申请日：2016-04-26
Applicant: GOOGLE INC.
Inventor： Xiaohang Wang , Glenn Berntson
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。
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公开(公告)号：US20160203506A1
公开(公告)日：2016-07-14
申请号：US14595193
申请日：2015-01-12
Applicant: GOOGLE INC.
Inventor： Harry Lee Butler, IV , Glenn Berntson , Glenn Thrope , Xiaohang Wang
CPC classification number: G06Q30/0222 , G06Q20/12 , G06Q20/20 , G06Q30/0226 , G06Q30/0238
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.
Abstract translation: 使用非付款交易信号推定购买意向预测是否基于未付款信息完成支付交易。 在支付路径之外运行的帐户系统不参与用户和商家系统之间的金融交易的批准，向用户分发报价。 用户完成与商家的金融支付交易，并且帐户系统确定是否发生触发事件。 用户使用用户计算设备执行动作或输入信息，并且用户计算设备向帐户系统发送动作的指示。 在另一个示例中，帐户系统从另一个系统或设备接收通知。 帐户系统确定该动作是否是触发事件，并且预测模型确定用户是否完成了金融交易和/或赎回分配的报价。
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