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。

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

IPC: G06Q20/22 ,  G06Q20/34 ,  G06Q20/36

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.

公开(公告)号：US20170243192A1

公开(公告)日：2017-08-24

申请号：US15592166

申请日：2017-05-10

Applicant: GOOGLE INC.

Inventor： Mark William Andrews ,  Michael Blandina ,  Osama Bedier

IPC: G06Q20/22 ,  G06Q20/34 ,  G06Q10/06

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.

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。