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    INFERRING PURCHASE INTENT USING NON-PAYMENT TRANSACTION EVENTS
    1.
    发明申请
    INFERRING PURCHASE INTENT USING NON-PAYMENT TRANSACTION EVENTS 审中-公开
    使用非付款交易活动来收购购买信息

    公开(公告)号：US20160203506A1

    公开(公告)日：2016-07-14

    申请号：US14595193

    申请日：2015-01-12

    Applicant: GOOGLE INC.

    Inventor： Harry Lee Butler, IV ,  Glenn Berntson ,  Glenn Thrope ,  Xiaohang Wang

    IPC: G06Q30/02 ,  G06Q20/34 ,  G06Q20/40

    CPC classification number: G06Q30/0222 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q30/0226 ,  G06Q30/0238

    Abstract: Inferring purchase intent using non-payment transaction signals predicts whether a payment transaction has been completed based on non-payment information. An account system that operates outside of the payment path does not take part in and the approval of a financial transaction between the user and the merchant system, distributes an offer to the user. The user completes a financial payment transaction with the merchant and the account system determines whether a trigger event has occurred. The user performs an action or enters information using the user computing device, and the user computing device transmits an indication of the action to the account system. In another example, the account system receives notification from another system or device. The account system determines whether the action is a trigger event and the predictive model determines whether the user completed a financial transaction and/or redeemed the distributed offer.

    Abstract translation: 使用非付款交易信号推定购买意向预测是否基于未付款信息完成支付交易。 在支付路径之外运行的帐户系统不参与用户和商家系统之间的金融交易的批准，向用户分发报价。 用户完成与商家的金融支付交易，并且帐户系统确定是否发生触发事件。 用户使用用户计算设备执行动作或输入信息，并且用户计算设备向帐户系统发送动作的指示。 在另一个示例中，帐户系统从另一个系统或设备接收通知。 帐户系统确定该动作是否是触发事件，并且预测模型确定用户是否完成了金融交易和/或赎回分配的报价。

    Securing payment transactions with rotating application transaction counters
    2.
    发明授权
    Securing payment transactions with rotating application transaction counters 有权
    通过旋转应用程序交易计数器确保支付交易

    公开(公告)号：US08930274B1

    公开(公告)日：2015-01-06

    申请号：US14133591

    申请日：2013-12-18

    Applicant: Google Inc.

    Inventor： Justin Lee Brickell ,  Jonathan Kingsley Blatter ,  Bobby Wieler ,  Harry Lee Butler, IV ,  Ignacio Carlos Blanco ,  Denis Lila

    IPC: G06Q40/00 ,  G06Q20/00 ,  G06Q20/40

    CPC classification number: H04L63/123 ,  G06F21/45 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/385 ,  G06Q20/40

    Abstract: An account management system creates a bundle of private application transaction counters (ATCs) and a bundle of corresponding public ATCs, and transmits them to a user device. The device receives a request for payment information from a merchant and processes the request without accessing a secure element processor on the device. The device calculates a security code using one of the bundle of private ATCs and a transaction number received from the merchant. The device transmits proxy account information, the calculated security code, and the corresponding public ATCs to the merchant. The merchant transmits a payment request to the account management system as the issuer of the proxy account information. The account management system retrieves the private ATC using the public ATC, and determines the validity of the security code by recomputing it. The account management system retrieves the financial account information and requests authorization from the issuer.

    Abstract translation: 帐户管理系统创建一组私有应用程序交易计数器（ATC）和一组相应的公共ATC，并将其传输到用户设备。 设备从商家接收对付款信息的请求，并处理该请求而不访问设备上的安全元件处理器。 该设备使用一组私有ATC和从商家接收的交易号码来计算安全码。 设备将代理帐户信息，计算的安全码和相应的公共ATC发送给商家。 商家向账户管理系统发送支付请求作为代理帐户信息的发行者。 帐户管理系统使用公共ATC检索私有ATC，并通过重新计算确定安全码的有效性。 帐户管理系统检索财务帐户信息，并请求发行人的授权。

    Delayed processing window in a prepaid architecture
    3.
    发明授权
    Delayed processing window in a prepaid architecture 有权

    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.

    SPLIT TENDER IN A PREPAID ARCHITECTURE
    4.
    发明申请
    SPLIT TENDER IN A PREPAID ARCHITECTURE 有权
    分裂投标在一个预防性建筑

    公开(公告)号：US20140351072A1

    公开(公告)日：2014-11-27

    申请号：US14140881

    申请日：2013-12-26

    Applicant: Google Inc.

    Inventor： Bobby Wieler ,  Harry Lee Butler, IV ,  Colin Fleming

    IPC: G06Q20/20 ,  G06Q20/40

    CPC classification number: G06Q20/202 ,  G06F17/30 ,  G06F21/00 ,  G06Q20/105 ,  G06Q20/22 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q40/00

    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。

    Providing Payment Account Information Associated With A Digital Wallet Account To A User At A Merchant Point Of Sale Device
    7.
    发明申请
    Providing Payment Account Information Associated With A Digital Wallet Account To A User At A Merchant Point Of Sale Device 审中-公开
    向商家销售点的用户提供与数字电子钱包帐户相关联的付款帐户信息

    公开(公告)号：US20160232518A1

    公开(公告)日：2016-08-11

    申请号：US14616589

    申请日：2015-02-06

    Applicant: GOOGLE INC.

    Inventor： Harry Lee Butler, IV

    IPC: G06Q20/36 ,  G06Q20/20

    Abstract: In an example embodiment, the user initiates a digital wallet transaction at a point of sale (“POS”) terminal of a merchant system. The POS terminal receives payment account information options associated with the user's digital wallet account from the account management system to display to the user. The user selects one or more payment account information options via a user interface of the POS terminal. The account management system receives an indication of the user's one or more selections, generates one or more payment tokens based on the corresponding selected payment account information options, and transmits the one or more payment tokens to the POS terminal for use in a transaction. The POS terminal communicates with one or more issuer systems associated with the selected payment account information options to process the transaction using corresponding payment tokens. The user receives a transaction receipt at the POS terminal.

    Abstract translation: 在示例实施例中，用户在商家系统的销售点（“POS”）终端发起数字钱包交易。 POS终端从帐户管理系统接收与用户的数字钱包帐户相关联的支付账户信息选项，以向用户显示。 用户通过POS终端的用户界面选择一个或多个支付帐户信息选项。 帐户管理系统接收用户的一个或多个选择的指示，基于相应的所选支付账户信息选项生成一个或多个支付令牌，并且将一个或多个支付令牌发送到POS终端以用于交易。 POS终端与与所选择的支付账户信息选项相关联的一个或多个发行者系统通信，以使用相应的支付令牌来处理该交易。 用户在POS终端收到交易收据。

    AUTOMATIC CLOSED LOOP PAYMENT REDEMPTION
    8.
    发明申请
    AUTOMATIC CLOSED LOOP PAYMENT REDEMPTION 审中-公开
    自动关闭环路支付赎回

    公开(公告)号：US20160132876A1

    公开(公告)日：2016-05-12

    申请号：US14177969

    申请日：2014-02-11

    Applicant: GOOGLE INC.

    Inventor： Christopher Petersen ,  Tim Kuchlein ,  Peter Hazlehurst ,  Harry Lee Butler, IV

    IPC: G06Q20/40

    CPC classification number: G06Q20/36 ,  G06Q20/227

    Abstract: Redeeming closed loop payment instruments in wallet account transactions comprises a payment system server configured to associate financial accounts with a payment account of a user, comprising at least one closed loop account. The server receives, from a card network, a first payment authorization request originating from a merchant, comprising the payment account identifier and a request to fund a transaction. The server communicates, to a closed loop account issuer computing system, a redemption request to redeem funds from the closed loop account. The server receives a redemption of funds from the closed loop account. The server deducts the redeemed funds redeemed from a total amount of funds requested in the first payment authorization request. Upon receiving the funds, the server communicates to the merchant computing system a second authorization for the total amount of funds requested in the first authorization request based on the redemption of funds.

    Abstract translation: 在电子钱包帐户交易中兑换闭环支付工具包括被配置为将财务账户与用户的支付账户相关联的支付系统服务器，其包括至少一个闭环账户。 服务器从卡网络接收来自商家的第一支付授权请求，其包括支付帐户标识符和为交易提供资金的请求。 服务器向闭环帐户发行者计算系统通信从闭环账户兑换资金的兑换请求。 服务器从闭环帐户收到资金的赎回。 服务器从第一次付款授权请求中请求的总金额扣除已赎回的已赎回资金。 在收到资金后，服务器根据资金的赎回向商家计算系统通报第一授权请求中所请求的资金总额的第二授权。

    SECURING PAYMENT TRANSACTIONS WITH ROTATING APPLICATION TRANSACTION COUNTERS
    9.
    发明申请
    SECURING PAYMENT TRANSACTIONS WITH ROTATING APPLICATION TRANSACTION COUNTERS 审中-公开
    安全交易申请交易计划

    公开(公告)号：US20150120556A1

    公开(公告)日：2015-04-30

    申请号：US14469560

    申请日：2014-08-26

    Applicant: GOOGLE INC.

    Inventor： Justin Lee Brickell ,  Jonathan Kingsley Blatter ,  Bobby Wieler ,  Harry Lee Butler, IV ,  Ignacio Carlos Blanco ,  Denis Lila

    IPC: G06Q20/40 ,  G06Q20/38

    CPC classification number: H04L63/123 ,  G06F21/45 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/385 ,  G06Q20/40

    Abstract: An account management system creates a bundle of private application transaction counters (ATCs) and a bundle of corresponding public ATCs, and transmits them to a user device. The device receives a request for payment information from a merchant and processes the request without accessing a secure element processor on the device. The device calculates a security code using one of the bundle of private ATCs and a transaction number received from the merchant. The device transmits proxy account information, the calculated security code, and the corresponding public ATCs to the merchant. The merchant transmits a payment request to the account management system as the issuer of the proxy account information. The account management system retrieves the private ATC using the public ATC, and determines the validity of the security code by recomputing it. The account management system retrieves the financial account information and requests authorization from the issuer.

    Abstract translation: 帐户管理系统创建一组私有应用程序交易计数器（ATC）和一组相应的公共ATC，并将其传输到用户设备。 设备从商家接收对付款信息的请求，并处理该请求而不访问设备上的安全元件处理器。 该设备使用一组私有ATC和从商家接收的交易号码来计算安全码。 设备将代理帐户信息，计算的安全码和相应的公共ATC发送给商家。 商家向账户管理系统发送支付请求作为代理帐户信息的发行者。 帐户管理系统使用公共ATC检索私有ATC，并通过重新计算确定安全码的有效性。 帐户管理系统检索财务帐户信息，并请求发行人的授权。

    Inferring purchase intent using non-payment transaction events
    10.
    发明授权
    Inferring purchase intent using non-payment transaction events 有权

    公开(公告)号：US10096037B2

    公开(公告)日：2018-10-09

    申请号：US14595193

    申请日：2015-01-12

    Applicant: GOOGLE INC.

    Inventor： Harry Lee Butler, IV ,  Glenn Berntson ,  Glenn Thrope ,  Xiaohang Wang

    IPC: G06Q30/02 ,  G06Q20/12 ,  G06Q20/20

    Abstract: Inferring purchase intent using non-payment transaction signals predicts whether a payment transaction has been completed based on non-payment information. An account system that operates outside of the payment path does not take part in and the approval of a financial transaction between the user and the merchant system, distributes an offer to the user. The user completes a financial payment transaction with the merchant and the account system determines whether a trigger event has occurred. The user performs an action or enters information using the user computing device, and the user computing device transmits an indication of the action to the account system. In another example, the account system receives notification from another system or device. The account system determines whether the action is a trigger event and the predictive model determines whether the user completed a financial transaction and/or redeemed the distributed offer.

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