公开(公告)号：US09582789B2

公开(公告)日：2017-02-28

申请号：US13896253

申请日：2013-05-16

Applicant: GOOGLE INC.

Inventor： Travis Harrison Kroll Green ,  Michael DePasquale ,  Boris Mizhen ,  Josh Ostrow ,  Peter Schmitt ,  Kevin Michael Bierhoff ,  Alevtina Stolpnik ,  Avery Pennarun ,  Narelle Cozens

IPC: G06Q40/00 ,  G06Q20/10

CPC classification number: G06Q20/102 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q50/01

Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract translation: 通信系统的用户可以在由通信系统主持的通信会话中或通过由通信系统托管的社交网络标识页面上发起电子支付。 通信系统检测来自通信系统的用户的支付信号，并且通过在用户的通信应用中显示支付对象接口或接收直接从用户的通信设备输入的支付信息来收集支付信息细节。 支付信息包括发送方和接收方支付帐户标识符，其被传送到支付处理系统，用于处理和将指定的支付金额交付给接收方。

公开(公告)号：US20160042330A1

公开(公告)日：2016-02-11

申请号：US14822725

申请日：2015-08-10

Applicant: GOOGLE INC.

Inventor： Narelle Cozens ,  Michael DePasquale ,  Travis Harrison Kroll Green ,  Boris Mizhen ,  Josh Ostrow ,  Avery Pennarun ,  Hoai Nguyen ,  Peter Schmitt

IPC: G06Q20/10 ,  G06Q50/00

CPC classification number: G06Q20/102 ,  G06Q20/223 ,  G06Q20/3224 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q50/01

Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.

Abstract translation: 排序付款请求包括对等支付系统，其使用被配置为从请求者计算设备接收支付请求的服务器; 接收请求者网络设备的位置数据; 接收对付款请求的排序请求; 搜索付款人请求者出现的社会网络信息; 接收所述支付者网络设备的位置数据，所述位置数据包括所述支付者计算设备的位置和所述支付者计算设备的位置历史; 搜索付款人的交易历史; 至少部分地基于请求者的一个或多个位置对付款请求进行排序，对于每个支付请求者的支付者的社交网络连接的强度以及付款者和请求者之间的之前交易的数量; 并向付款人提供付款请求的排名。

公开(公告)号：US08788420B1

公开(公告)日：2014-07-22

申请号：US13652443

申请日：2012-10-15

Applicant: Google Inc.

Inventor： Travis Harrison Kroll Green ,  Narelle Cozens ,  Avery Pennarun ,  Peter Schmitt ,  Michael DePasquale ,  Boris Mizhen

IPC: G06Q20/40

CPC classification number: G06Q20/4016

Abstract: The invention provides a computer-implemented method for generating a risk rating for a peer-to-peer transaction. The method comprises receiving a request to generate a risk rating for a proposed peer-to-peer financial transaction; identifying information associated with a plurality of previous peer-to-peer transactions of the payor; identifying one or more of the previous peer-to-peer transactions that are related to the proposed transaction; assigning a score to each of the related peer-to-peer transactions, the score being based at least in part on a determination of a level of success of each of the related peer-to-peer transactions; determining the risk rating for the proposed transaction based on the scores assigned to the transactions related to the proposed transaction; determining a payor risk rating for the payor; adjusting the risk rating for the proposed transaction based on the payor risk rating of the payor; and presenting the risk rating for the proposed transaction.

Abstract translation: 本发明提供了一种用于生成对等交易的风险评级的计算机实现的方法。 该方法包括接收针对所提出的对等金融交易产生风险评级的请求; 识别与所述付款人的多个先前对等交易相关联的信息; 识别与所提议的交易相关的一个或多个先前的对等交易; 为每个相关对等交易分配分数，分数至少部分地基于每个相关对等交易的成功水平的确定; 根据分配给与建议交易相关的交易的分数确定拟议交易的风险评级; 确定付款人的付款人风险等级; 根据付款人的付款人风险等级调整拟议交易的风险等级; 并提出拟议交易的风险评级。

公开(公告)号：US08738522B2

公开(公告)日：2014-05-27

申请号：US13863378

申请日：2013-04-15

Applicant: Google Inc.

Inventor： Travis Harrison Kroll Green ,  Narelle Cozens ,  Avery Pennarun ,  Peter Schmitt ,  Michael DePasquale ,  Boris Mizhen

IPC: G06Q40/00

CPC classification number: G06Q30/0269 ,  G06Q20/223 ,  G06Q20/322 ,  G06Q30/0281 ,  G06Q30/06 ,  G06Q30/0639 ,  G06Q50/01

Abstract: A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.

Abstract translation: 用户在其移动设备上安装对等支付应用程序（“PPA”）。 PPA将用户设备的位置发送到位于对等支付系统（PPS）中的服务器。 PPS可以在可能处于活动状态的用户的某一接近度内搜索其他设备。 PPS可以搜索用户的社交网络内容以确定任何邻近设备用户是否可能是对方。 如果识别出不止一个可能的对方，则PPS可以根据定义与用户的连接强度的预先设定的一组因素对对方进行排序。 这些因素可能包括其在用户社交网络中的状态，联系频率，先前交易或进一步建立关系的其他因素。 PPS可以将可能的对方的排名列表发送到PPA以在设备上向用户显示。

公开(公告)号：US20140188714A1

公开(公告)日：2014-07-03

申请号：US13728478

申请日：2012-12-27

Applicant: GOOGLE INC.

Inventor： Narelle Cozens ,  Michael DePasquale ,  Travis Harrison Kroll Green ,  Boris Mizhen ,  Peter Schmitt

IPC: G06Q20/22

CPC classification number: G06Q20/223 ,  G06Q10/107 ,  G06Q20/10 ,  G06Q20/102

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

Abstract translation: 一种电子邮件支付系统和方法，用于向用户提供通过电子邮件消息发送和向其他收件人发送付款的能力。 在电子邮件客户端中提供用户界面，允许用户使用电子邮件插入付款。 付款细节通过电子邮件客户端中显示的一个或多个付款模式收集。 付款对象被插入到电子邮件的正文中，并显示给发件人和收件人。 在支付对象中捕获的支付细节被传送到支付处理器。 支付处理器使用与相应的发送者和接收者电子邮件地址相关联的电子支付帐户来识别相关电子支付账户并在所述帐户之间转移支付。 在发送方和收件人电子邮件客户端中的电子邮件的付款对象中跟踪并显示支付交易的状态。

公开(公告)号：US20140156521A1

公开(公告)日：2014-06-05

申请号：US14148704

申请日：2014-01-06

Applicant: GOOGLE INC.

Inventor： Narelle Cozens ,  Michael DePasquale ,  Travis Harrison Kroll Green ,  Boris Mizhen ,  Josh Ostrow ,  Avery Pennarun ,  Hoai Nguyen ,  Peter Schmitt

IPC: G06Q20/22

CPC classification number: G06Q20/102 ,  G06Q20/223 ,  G06Q20/3224 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q50/01

Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.

Abstract translation: 排序付款请求包括对等支付系统，其使用被配置为从请求者计算设备接收支付请求的服务器; 接收请求者网络设备的位置数据; 接收对付款请求的排序请求; 搜索付款人请求者出现的社会网络信息; 接收所述支付者网络设备的位置数据，所述位置数据包括所述支付者计算设备的位置和所述支付者计算设备的位置历史; 搜索付款人的交易历史; 至少部分地基于请求者的一个或多个位置对付款请求进行排序，对于每个支付请求者的支付者的社交网络连接的强度以及付款者和请求者之间的之前交易的数量; 并向付款人提供付款请求的排名。

公开(公告)号：US20170132591A1

公开(公告)日：2017-05-11

申请号：US15406331

申请日：2017-01-13

Applicant: GOOGLE INC.

Inventor： Travis Harrison Kroll Green ,  Michael DePasquale ,  Boris Mizhen ,  Josh Ostrow ,  Peter Schmitt ,  Kevin Michael Bierhoff ,  Alevtina Stolpnik ,  Avery Pennarun ,  Narelle Cozens

IPC: G06Q20/10

Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that arc communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

公开(公告)号：US08762272B1

公开(公告)日：2014-06-24

申请号：US13728478

申请日：2012-12-27

Applicant: Google Inc.

Inventor： Narelle Cozens ,  Michael DePasquale ,  Travis Harrison Kroll Green ,  Boris Mizhen ,  Peter Schmitt

IPC: G06Q20/00 ,  G06Q20/02 ,  G06Q20/08 ,  G06Q20/30

CPC classification number: G06Q20/223 ,  G06Q10/107 ,  G06Q20/10 ,  G06Q20/102

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

Abstract translation: 一种电子邮件支付系统和方法，用于向用户提供通过电子邮件消息发送和向其他收件人发送付款的能力。 在电子邮件客户端中提供用户界面，允许用户使用电子邮件插入付款。 付款细节通过电子邮件客户端中显示的一个或多个付款模式收集。 付款对象被插入到电子邮件的正文中，并显示给发件人和收件人。 在支付对象中捕获的支付细节被传送到支付处理器。 支付处理器使用与相应的发送者和接收者电子邮件地址相关联的电子支付帐户来识别相关电子支付账户并在所述帐户之间转移支付。 在发送方和收件人电子邮件客户端中的电子邮件的付款对象中跟踪并显示支付交易的状态。

公开(公告)号：US10360550B2

公开(公告)日：2019-07-23

申请号：US13731098

申请日：2012-12-30

Applicant: GOOGLE INC.

Inventor： Narelle Cozens ,  Travis Harrison Kroll Green ,  Boris Mizhen ,  Phillip Neal Sharp ,  Josh Ostrow ,  Hoai Nguyen ,  Peter Schmitt

IPC: G06Q10/10 ,  G06Q20/10 ,  G06Q20/22 ,  G06F15/16

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

公开(公告)号：US20130262239A1

公开(公告)日：2013-10-03

申请号：US13863378

申请日：2013-04-15

Applicant: GOOGLE INC.

Inventor： Travis Harrison Kroll Green ,  Narelle Cozens ,  Avery Pennarun ,  Peter Schmitt ,  Michael DePasquale ,  Boris Mizhen

IPC: G06Q30/02 ,  G06Q50/00

CPC classification number: G06Q30/0269 ,  G06Q20/223 ,  G06Q20/322 ,  G06Q30/0281 ,  G06Q30/06 ,  G06Q30/0639 ,  G06Q50/01

Abstract: A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.

Abstract translation: 用户在其移动设备上安装对等支付应用程序（“PPA”）。 PPA将用户设备的位置发送到位于对等支付系统（PPS）中的服务器。 PPS可以在可能处于活动状态的用户的某一接近度内搜索其他设备。 PPS可以搜索用户的社交网络内容以确定任何邻近设备用户是否可能是对方。 如果识别出不止一个可能的对方，则PPS可以根据定义与用户的连接强度的预先设定的一组因素对对方进行排序。 这些因素可能包括其在用户社交网络中的状态，联系频率，先前交易或进一步建立关系的其他因素。 PPS可以将可能的对方的排名列表发送到PPA以在设备上向用户显示。