公开(公告)号：US20160140541A1

公开(公告)日：2016-05-19

申请号：US14945275

申请日：2015-11-18

Applicant: GOOGLE INC.

Inventor： Joseph B. Pearson ,  Krishna Doddamane

IPC: G06Q20/36 ,  G06Q20/20 ,  H04W40/24 ,  G06Q30/02 ,  G06Q20/40 ,  G06Q20/32

Abstract: Automatically communicating information related to a user computing device from a central computing system to a transaction computing system prior to initiation of a transaction between the user computing device and the transaction computing system comprises a digital wallet application and a central computing system. A digital wallet application receives a beacon signal from a transaction computing system indicating the specific identification of the terminal with which the user intends to conduct a transaction. The user computing device communicates the terminal identification to the central computing system. The central computing system communicates customer data, such as loyalty information and offers, to the transaction computing system associated with the terminal. The transaction computing system communicates the customer data to the terminal. When the user taps the user computing device to initiate the transaction, the terminal provides any benefits associated with the customer data.

Abstract translation: 在用户计算设备和交易计算系统之间的事务开始之前，将与用户计算设备有关的信息从中央计算系统自动传送到交易计算系统包括数字钱包应用和中央计算系统。 数字钱包应用从交易计算系统接收指示用户打算进行交易的终端的特定标识的信标信号。 用户计算设备将终端标识传送到中央计算系统。 中央计算系统将诸如忠诚度信息和提供的客户数据传送到与终端相关联的交易计算系统。 交易计算系统将客户数据传送到终端。 当用户点击用户计算设备以启动交易时，终端提供与客户数据相关联的任何益处。

公开(公告)号：US20150348016A1

公开(公告)日：2015-12-03

申请号：US14729024

申请日：2015-06-02

Applicant: GOOGLE INC.

Inventor： Joseph B. Pearson ,  Larry L. Bush

IPC: G06Q20/36 ,  G06Q20/20 ,  G06Q30/02 ,  G06Q20/32

CPC classification number: G06Q20/36 ,  G06Q20/202 ,  G06Q20/327 ,  G06Q20/4014 ,  G06Q30/0226

Abstract: Transmitting customer identifications comprises a digital wallet of a user and a wireless payment instrument. A digital wallet application receives a customer identification from a digital wallet system hosting a customer account. The application receives an input from a user into a user interface of a user computing device, the input instructing the user computing device to transmit the customer identification to a payment instrument. The application instructs the user to position the payment instrument in proximity of the user computing device and initiates a wireless communication with the payment instrument and requests payment instrument data from the payment instrument. The application verifies the payment instrument data based on the payment instrument data and communicates the customer identification to the payment instrument and instructions to provide the customer identification to a merchant system point of sale system when providing payment instrument data to the merchant system point of sale terminal.

Abstract translation: 发送客户标识包括用户的数字钱包和无线支付工具。 数字钱包应用程序从托管客户帐户的数字钱包系统接收客户标识。 应用程序从用户接收到用户计算设备的用户界面的输入，该输入指示用户计算设备将客户标识传送到支付工具。 应用程序指示用户将支付工具定位在用户计算设备附近，并启动与支付工具的无线通信，并从支付工具请求支付工具数据。 应用程序根据支付工具数据验证支付工具数据，并将客户识别信息传送给支付工具，并在向商家系统销售点终端提供支付工具数据时将指令提供给商家系统销售点系统 。