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：US20140351131A1

公开(公告)日：2014-11-27

申请号：US14140802

申请日：2013-12-26

Applicant: GOOGLE INC.

Inventor： Harry Lee Butler, IV ,  Osama Bedier ,  Peter Hazlehurst ,  Michael Scott Blandina ,  Bobby Wieler

IPC: G06Q20/40

CPC classification number: G06Q30/0222 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/4016

Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

Abstract translation: 用于维护预付费支付系统的方法包括可用于完成与商家的购买交易的用户帐户。 在商家从支付系统接收到支付批准通知的时间和支付系统向与用户的支付系统帐户相关联的资金账户的发行者发送支付请求的时间之间引入延迟处理窗口。 支付系统利用由支付系统维护的用户存储价值账户来满足预付款计划的要求，因此处理从商家收到的支付请求，并且在未获得资金账户的发行者的事先授权的情况下发送支付批准通知 。 支付系统在用户和商家之间的购买交易完成之后的一个时刻提交资金交易的一个或多个付款请求。

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：US20150371233A1

公开(公告)日：2015-12-24

申请号：US14837471

申请日：2015-08-27

Applicant: GOOGLE INC.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/40

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。

公开(公告)号：US20130290121A1

公开(公告)日：2013-10-31

申请号：US13846924

申请日：2013-03-18

Applicant: GOOGLE INC.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/40

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。

公开(公告)号：US10147112B2

公开(公告)日：2018-12-04

申请号：US14140802

申请日：2013-12-26

Applicant: GOOGLE INC.

Inventor： Harry Lee Butler, IV ,  Osama Bedier ,  Peter Hazlehurst ,  Michael Scott Blandina ,  Bobby Wieler

IPC: G06Q20/40 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q30/02 ,  G06Q20/28

Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

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。

公开(公告)号：US08626592B2

公开(公告)日：2014-01-07

申请号：US13846924

申请日：2013-03-18

Applicant: Google Inc.

Inventor： Pavel Simakov ,  Osama Bedier ,  Angela Chun Wah Lai ,  Prasenjit Phukan

IPC: G06Q20/00

CPC classification number: G06Q20/409 ,  G06Q20/3572 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4037 ,  G06Q20/405

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract translation: 在代理卡支付系统中使用的新功能包括覆盖被拒绝的交易或者选择不同的金融账户以及将用户识别信息插入到商家的交易批准消息中的实时请求。 支付请求被转发到支付系统，支付系统维护代理卡帐户，并确定交易是否违反用户定义的规则。 如果交易由维护金融账户的发行人或违反用户定义规则的支付系统拒绝，则支付系统向用户发送实时消息。 提示用户覆盖规则，导致事务被拒绝或选择一个新帐户来处理事务。 一旦支付系统接收到交易的授权，则在向商家发送批准之前，将用户识别信息插入到批准消息中。