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公开(公告)号：US09679284B2
公开(公告)日：2017-06-13
申请号：US14743566
申请日：2015-06-18
Applicant: GOOGLE INC.
Inventor： Mark William Andrews , Michael Blandina , Osama Bedier
CPC classification number: G06Q20/227 , G06Q10/067 , G06Q20/34 , G06Q20/35785 , G06Q20/367
Abstract: Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction.
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公开(公告)号：US09092767B1
公开(公告)日：2015-07-28
申请号：US13784790
申请日：2013-03-04
Applicant: Google Inc.
Inventor： Mark William Andrews , Michael Blandina , Osama Bedier
IPC: G06Q20/22
CPC classification number: G06Q20/227 , G06Q10/067 , G06Q20/34 , G06Q20/35785 , G06Q20/367
Abstract: Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction.
Abstract translation: 选择用于代理卡交易的支付工具包括将多个金融账户与用户代理账户相关联; 基于从用户接收的配置数据建立用户帐户的模型，所述模型包括识别用作交易的支持工具的特定金融账户; 接收与待处理交易相关联的待处理交易的数据; 基于模型与待处理交易数据的比较，识别要用作待处理交易的支持工具的金融账户; 接收使用替代金融账户的选择，而不是所识别的金融账户作为支持工具; 根据替代金融账户的选择和与待处理交易相关联的数据修改模型账户; 以及在后续交易的金融账户的随后选择中利用修改后的模型。
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公开(公告)号：US08972298B2
公开(公告)日：2015-03-03
申请号：US14168887
申请日：2014-01-30
Applicant: Google Inc.
CPC classification number: G06Q20/105 , G06K5/00 , G06Q20/00 , G06Q20/322 , G06Q20/351 , G06Q20/354 , G06Q20/3572 , G06Q20/36 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/00 , G06Q40/00
Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financial account.
Abstract translation: 在代理卡交易中将类别代码发送到支付工具包括接收授权代理卡交易的第一支付请求，第一支付请求标识用户的代理帐户以支付交易，以及与商家相关联的商家类别代码; 选择与代理账户相关的金融账户为交易提供资金; 传送第二付款请求以将所述交易授权给与所选择的金融账户相关联的金融账户系统，所述第二支付请求包括与商家相关联的商家类别代码; 从金融账户系统接收交易授权，使用选定的金融账户资金交易; 以及响应于从所述金融账户系统接收到所述交易的授权，使用所选择的金融账户来向所述商业计算设备传达所述交易的授权以向所述交易提供资金。
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公开(公告)号：US20150019417A1
公开(公告)日：2015-01-15
申请号：US13928349
申请日：2013-06-26
Applicant: GOOGLE INC.
Inventor： Mark William Andrews , William Dennis Kunz , Steve Chen , Reena Nadkarni , Jonathan M. Newman , Buckner Woodford Clay, IV , Michael Schenker , Titia Tin Yee Wong , Stephen Tai-Chung Hu
IPC: G06Q20/36
CPC classification number: G06Q20/363 , G06Q20/3672
Abstract: A digital wallet provider system provides an interface specification to a financial account issuer. Using the interface specification, the financial account issuer system provides user financial account information directly to the digital wallet provider system without requiring the user to enter the user's financial account information. Once the digital wallet provider system receives the user's financial account information from the financial account issuer system, the digital wallet provider system verifies the identity of the user and the completeness of the financial account information received from the financial account issuer system. The digital wallet provider then updates the user's digital wallet account, on behalf of the user, to include the user's financial account.
Abstract translation: 数字钱包提供者系统向金融账户发行者提供接口规范。 使用接口规范，金融账户发行者系统将用户金融账户信息直接提供给数字钱包提供者系统，而不需要用户输入用户的金融账户信息。 一旦数字钱包提供者系统从金融账户发行者系统接收用户的财务账户信息，数字钱包提供者系统将验证用户的身份以及从金融账户发行者系统接收到的金融账户信息的完整性。 然后，数字钱包提供商代表用户更新用户的数字钱包帐户，以包括用户的财务帐户。
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公开(公告)号：US20140257958A1
公开(公告)日：2014-09-11
申请号：US13786055
申请日：2013-03-05
Applicant: Google Inc.
Inventor： Mark William Andrews
IPC: G06Q30/02
CPC classification number: G06Q30/0226 , G06Q20/02
Abstract: Selecting an alternate payment instrument after a proxy card payment transaction comprises associating the proxy card account comprising with a plurality of financial accounts that can be selected for funding financial transactions; associating a merchant account with a merchant, the merchant account comprising an incentive program; associating the user proxy card account with the incentive program; receiving a payment authorization request; accessing the user proxy card account based on the identification of the user proxy card account; determining that the user proxy card account is associated with the merchant's incentive program; when the item information in the transaction data meets at least one rule in the set of rules for obtaining the incentive, applying the incentive to the user proxy account associated with the merchant's incentive program; and communicating a notification of the applied incentive to a user associated with the user proxy card account.
Abstract translation: 在代理卡支付交易之后选择替代支付工具包括将代理卡账户与多个可以被选择用于资助金融交易的金融账户相结合; 将商户帐户与商家相关联，商户帐户包括激励程序; 将用户代理卡帐户与激励程序相关联; 接收付款授权请求; 基于用户代理卡账户的识别访问用户代理卡账户; 确定用户代理卡帐户与商家的激励程序相关联; 当交易数据中的项目信息满足用于获得激励的规则集中的至少一个规则时，将激励应用于与商家激励程序相关联的用户代理帐户; 以及将与所述用户代理卡帐户相关联的所述应用激励的通知传达给用户。
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Patent Agency Ranking
公开(公告)号：US20140040130A1
公开(公告)日：2014-02-06
申请号：US13717295
申请日：2012-12-17
Applicant: GOOGLE INC.
IPC: G06Q20/40
CPC classification number: G06Q20/105 , G06K5/00 , G06Q20/00 , G06Q20/322 , G06Q20/351 , G06Q20/354 , G06Q20/3572 , G06Q20/36 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/00 , G06Q40/00
Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financial account.
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公开(公告)号：US20160148185A1
公开(公告)日：2016-05-26
申请号：US14743566
申请日：2015-06-18
Applicant: GOOGLE INC.
Inventor： Mark William Andrews , Michael Blandina , Osama Bedier
IPC: G06Q20/22
CPC classification number: G06Q20/227 , G06Q10/067 , G06Q20/34 , G06Q20/35785 , G06Q20/367
Abstract: Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction.
Abstract translation: 选择用于代理卡交易的支付工具包括将多个金融账户与用户代理账户相关联; 基于从用户接收的配置数据建立用户帐户的模型，所述模型包括识别用作交易的支持工具的特定金融账户; 接收与待处理交易相关联的待处理交易的数据; 基于模型与待处理交易数据的比较，识别要用作待处理交易的支持工具的金融账户; 接收使用替代金融账户的选择，而不是所识别的金融账户作为支持工具; 根据替代金融账户的选择和与待处理交易相关联的数据修改模型账户; 以及在后续交易的金融账户的随后选择中利用修改后的模型。
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公开(公告)号：USD742406S1
公开(公告)日：2015-11-03
申请号：US29461710
申请日：2013-07-26
Applicant: Google Inc.
Designer： Ben DuPont , Trevor Austin Gray , Mark William Andrews
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公开(公告)号：USD737317S1
公开(公告)日：2015-08-25
申请号：US29461754
申请日：2013-07-26
Applicant: Google Inc.
Designer： Ben DuPont , Trevor Austin Gray , Mark William Andrews
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公开(公告)号：US08676709B2
公开(公告)日：2014-03-18
申请号：US13717295
申请日：2012-12-17
Applicant: Google Inc.
IPC: G06Q40/00
CPC classification number: G06Q20/105 , G06K5/00 , G06Q20/00 , G06Q20/322 , G06Q20/351 , G06Q20/354 , G06Q20/3572 , G06Q20/36 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/00 , G06Q40/00
Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financial account.
Abstract translation: 在代理卡交易中将类别代码发送到支付工具包括接收授权代理卡交易的第一支付请求，第一支付请求标识用户的代理帐户以支付交易，以及与商家相关联的商家类别代码; 选择与代理账户相关的金融账户为交易提供资金; 传送第二付款请求以将所述交易授权给与所选择的金融账户相关联的金融账户系统，所述第二支付请求包括与商家相关联的商家类别代码; 从金融账户系统接收交易授权，使用选定的金融账户资金交易; 以及响应于从所述金融账户系统接收到所述交易的授权，使用所选择的金融账户来向所述商业计算设备传达所述交易的授权以向所述交易提供资金。
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