公开(公告)号：US10255631B2

公开(公告)日：2019-04-09

申请号：US14504148

申请日：2014-10-01

Applicant: GOOGLE INC.

Inventor： Jeffrey Lawrence Herman ,  Qiming Fang

IPC: G06Q40/00 ,  G06F17/24 ,  G06Q30/06 ,  G06Q20/32 ,  G06Q20/20

Abstract: A payment processing system receives one or more indications of a user's location at a time that the user initiates a transaction with a merchant system at a physical location of the merchant system, processes the transaction, and receives a merchant point of sale identifier from the issuer system associated with the financial account information selected by the user. The payment processing system creates a combined list of candidate merchant identities based on the received merchant POS identifier and the user computing device location. The payment processing system calculates a probability for each of the merchant identities in the list based on similarity to the merchant POS identifier and user location data. The payment processing system associates the merchant POS identifier with the merchant identity having the highest probability and creates an annotated transaction record to display to the user.

公开(公告)号：US20160098790A1

公开(公告)日：2016-04-07

申请号：US14504148

申请日：2014-10-01

Applicant: GOOGLE INC.

Inventor： Jeffrey Lawrence Herman ,  Qiming Fang

IPC: G06Q40/00 ,  G06F17/24

CPC classification number: G06Q40/00 ,  G06F17/241 ,  G06Q20/209 ,  G06Q20/3224 ,  G06Q30/0633

Abstract: A payment processing system receives one or more indications of a user's location at a time that the user initiates a transaction with a merchant system at a physical location of the merchant system, processes the transaction, and receives a merchant point of sale identifier from the issuer system associated with the financial account information selected by the user. The payment processing system creates a combined list of candidate merchant identities based on the received merchant POS identifier and the user computing device location. The payment processing system calculates a probability for each of the merchant identities in the list based on similarity to the merchant POS identifier and user location data. The payment processing system associates the merchant POS identifier with the merchant identity having the highest probability and creates an annotated transaction record to display to the user.

Abstract translation: 支付处理系统在用户在商家系统的物理位置处与商家系统进行交易的时间接收用户位置的一个或多个指示，处理该交易，并从发行者接收商家销售点标识符 系统与用户选择的财务帐户信息相关联。 支付处理系统基于接收的商家POS标识符和用户计算设备位置创建候选商家身份的组合列表。 支付处理系统基于与商户POS标识符和用户位置数据的相似度来计算列表中的每个商家标识的概率。 支付处理系统将商家POS标识符与具有最高概率的商家标识相关联，并创建一个注释交易记录以向用户显示。