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

IPC: G06Q30/00 ,  G06Q20/36 ,  G06Q30/06 ,  G06Q30/04 ,  G06Q20/22 ,  G06Q20/10

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.

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

IPC: G06Q20/36 ,  G06Q30/06 ,  G06Q20/10

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。