公开(公告)号：US10311428B2

公开(公告)日：2019-06-04

申请号：US13901188

申请日：2013-05-23

Applicant: GOOGLE INC.

Inventor： Larry L. Bush ,  Christopher J. Tomczak

IPC: G06Q20/32 ,  G06Q20/34 ,  H04W4/80

Abstract: Systems, methods and computer program products are provided for managing contactless transactions. A first tap is performed when a system is placed within a predetermined proximity to a payment terminal. A first select command including an AID corresponding to a first application is received from the payment terminal. A first response based on the first select command is transmitted to the payment terminal. A data request including information indicating supported data types is received from the payment terminal. A second response based on the data request and including transaction data is transmitted to the payment terminal. The transaction data includes at least a portion of commerce data stored in the at least one memory.

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 。

公开(公告)号：US20160119031A1

公开(公告)日：2016-04-28

申请号：US14925964

申请日：2015-10-28

Applicant: GOOGLE INC.

Inventor： Anthony J. Sabetti ,  Jason S. Qian ,  Larry L. Bush

IPC: H04B5/00 ,  H04W4/00 ,  H04W76/02

CPC classification number: H04B5/0031 ,  H04W4/80 ,  H04W76/14

Abstract: Communicating via near field communication (NFC) between a reader and an application on an NFC-enabled device. A point of sale (POS) device and a consumer's mobile communication device establish an NFC session in accordance with each of the protocol layers of both International Organization for Standardization (ISO)/International Electrotechnical Commission (IEC) 14443 and ISO/IEC 7816 standards. A commerce application executing on the consumer's mobile communication device at a protocol layer above the ISO/IEC 14443 and ISO/IEC 7816 standards communicates a plurality of NFC application protocol data units (APDUs) to the POS device. At least one such APDU includes a consumer identifier. The consumer identifier includes a portion identifying the commerce application.

Abstract translation: 在NFC功能的设备上通过阅读器和应用程序之间的近场通信（NFC）进行通信。 销售点（POS）设备和消费者的移动通信设备根据国际标准化组织（ISO）/国际电工委员会（IEC）14443和ISO / IEC 7816标准的每个协议层建立NFC会话。 在ISO / IEC 14443和ISO / IEC 7816标准之上的协议层上在消费者的移动通信设备上执行的商业应用程序将多个NFC应用协议数据单元（APDU）传送到POS设备。 至少一个这样的APDU包括消费者标识符。 消费者标识符包括标识商业应用的部分。

公开(公告)号：US09819396B2

公开(公告)日：2017-11-14

申请号：US14925964

申请日：2015-10-28

Applicant: GOOGLE INC.

Inventor： Anthony J. Sabetti ,  Jason S. Qian ,  Larry L. Bush

IPC: H04B5/00 ,  H04B1/00 ,  H04W76/02 ,  H04W4/00

CPC classification number: H04B5/0031 ,  H04W4/80 ,  H04W76/14

Abstract: Communicating via near field communication (NFC) between a reader and an application on an NFC-enabled device. A point of sale (POS) device and a consumer's mobile communication device establish an NFC session in accordance with each of the protocol layers of both International Organization for Standardization (ISO)/International Electrotechnical Commission (IEC) 14443 and ISO/IEC 7816 standards. A commerce application executing on the consumer's mobile communication device at a protocol layer above the ISO/IEC 14443 and ISO/IEC 7816 standards communicates a plurality of NFC application protocol data units (APDUs) to the POS device. At least one such APDU includes a consumer identifier. The consumer identifier includes a portion identifying the commerce application.