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公开(公告)号：US20140149292A1
公开(公告)日：2014-05-29
申请号：US14168887
申请日：2014-01-30
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.
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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Patent Agency Ranking
公开(公告)号：US20140114747A1
公开(公告)日：2014-04-24
申请号：US13657564
申请日：2012-10-22
Applicant: Google Inc.
Inventor： Christopher Park Mah , William Dennis Kunz
IPC: G06Q30/02
CPC classification number: G06Q30/0241 , G06Q10/0639
Abstract: Methods, systems, and apparatus for analyzing aggregate ratio metric changes are provided. The method includes storing a plurality of metrics in a memory device, identifying a first measurement of a ratio metric for a first time period and a second measurement of the ratio metric for a second time period from the plurality of metrics stored in the memory device, wherein a change has occurred in the ratio metric between the first time period and the second time period, identifying at least one component associated with the change, determining, using a computer device, at least one component vector corresponding to the at least one component, using the computer device to convert each of the at least one component vectors into a scalar, and identifying a percentage of change for each of the scalars.
Abstract translation: 提供了用于分析总比值度量变化的方法，系统和装置。 该方法包括将多个度量存储在存储器设备中，从存储在存储器设备中的多个度量中识别第一时间段的比率度量的第一测量值以及第二时间段的比率度量的第二测量值， 其中在所述第一时间段和所述第二时间段之间的比率度量中发生改变，识别与所述改变相关联的至少一个组件，使用计算机设备确定与所述至少一个组件对应的至少一个组件向量， 使用所述计算机设备将所述至少一个分量向量中的每一个转换为标量，以及识别每个所述标量的变化百分比。
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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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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：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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