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1.发明申请公开(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
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。
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公开(公告)号：US20160132875A1
公开(公告)日：2016-05-12
申请号：US14173614
申请日：2014-02-05
Applicant: GOOGLE INC.
Inventor： Ignacio Carlos Blanco , Daniel Joseph Talavera , Amit Chandak
IPC: G06Q20/40
CPC classification number: G06Q20/3224 , G06Q20/0453
Abstract: An account management system receives a payment authorization request from a merchant system for a transaction involving a user. The account management system identifies one or more user accounts associated with the transaction and processes the transaction after sending a payment authorization request to the issuer(s) of the user's financial account(s) and receiving an approval. After receiving a payment request, or shortly thereafter, the user device logs additional transaction data to transmit to the account management system, which uses the data to find a single transaction that correlates with financial transaction data. The account management system creates an enhanced receipt to transmit to the user device by augmenting the financial transaction data and may adjust the merchant information based on location data received from the user device or the payment amount based on an identified merchant type. The account management system updates the enhanced receipt if new information is received.
Abstract translation: 帐户管理系统从商家系统接收涉及用户的交易的支付授权请求。 帐户管理系统识别与交易相关联的一个或多个用户帐户，并且在向用户的财务账户的发行者发送支付授权请求并且接收到批准之后处理该交易。 在接收到付款请求之后或之后不久，用户设备记录附加的交易数据以传送到帐户管理系统，账户管理系统使用该数据来查找与金融交易数据相关的单个交易。 帐户管理系统通过增加金融交易数据来创建增强的收据以向用户装置发送，并且可以基于从用户装置接收的位置数据或基于所识别的商家类型的支付金额来调整商家信息。 如果接收到新信息，帐户管理系统将更新增强的收据。
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Patent Agency Ranking
公开(公告)号：US20150220925A1
公开(公告)日：2015-08-06
申请号：US14174828
申请日：2014-02-06
Applicant: Google Inc.
Inventor： Justin Lee Brickell , Swaminathan Mahadevan , Harry Lee Butler, IV , Bobby Wieler , Ignacio Carlos Blanco
CPC classification number: G06Q20/4014 , G06Q20/36
Abstract: Using discretionary data fields to secure transactions comprises a payment system employing a server configured to associate a payment account of a user with a user computing device, the payment account comprising a payment account identifier that identifies the payment account, and establish a authentication challenge and an corresponding challenge response. The payment system receives a first payment authorization request originating from a merchant computing system comprising the payment account identifier, data associated with the payment account identifier, and a request to fund a transaction using the payment account, wherein the data associated with the payment account identifier comprises a challenge response provided by the user computing device located in a discretionary data field. The payment system compares the provided challenge response with the corresponding challenge response, and approves the transaction based on whether the provided challenge response and the corresponding challenge response match.
Abstract translation: 使用任意数据字段来保护交易包括采用服务器的支付系统，所述服务器被配置为将用户的支付账户与用户计算设备相关联，所述支付账户包括标识支付账户的支付帐户标识符，以及建立认证挑战和 相应的挑战回应。 支付系统接收来自商业计算系统的第一支付授权请求，该请求包括支付帐户标识符，与支付帐户标识符相关联的数据，以及使用支付账户资助交易的请求，其中与付款帐户识别符相关联的数据 包括由位于任意数据字段中的用户计算设备提供的质询响应。 支付系统将提供的挑战响应与相应的挑战响应进行比较，并且基于所提供的挑战响应和相应的挑战响应是否匹配来批准交易。
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4.发明授权公开(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
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。
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公开(公告)号：US09858572B2
公开(公告)日：2018-01-02
申请号：US14174828
申请日：2014-02-06
Applicant: Google Inc.
Inventor： Justin Lee Brickell , Swaminathan Mahadevan , Harry Lee Butler, IV , Bobby Wieler , Ignacio Carlos Blanco
CPC classification number: G06Q20/4014 , G06Q20/36
Abstract: Using discretionary data fields to secure transactions comprises a payment system employing a server configured to associate a payment account of a user with a user computing device, the payment account comprising a payment account identifier that identifies the payment account, and establish a authentication challenge and an corresponding challenge response. The payment system receives a first payment authorization request originating from a merchant computing system comprising the payment account identifier, data associated with the payment account identifier, and a request to fund a transaction using the payment account, wherein the data associated with the payment account identifier comprises a challenge response provided by the user computing device located in a discretionary data field. The payment system compares the provided challenge response with the corresponding challenge response, and approves the transaction based on whether the provided challenge response and the corresponding challenge response match.
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公开(公告)号：US20170104765A1
公开(公告)日：2017-04-13
申请号：US15333944
申请日：2016-10-25
Applicant: GOOGLE INC.
Inventor： Justin Lee Brickell , Jonathan Kingsley Blatter , Bobby Wieler , Harry Lee Butler, IV , Ignacio Carlos Blanco , Denis Lila
CPC classification number: H04L63/123 , G06F21/45 , G06Q20/3227 , G06Q20/3278 , G06Q20/385 , G06Q20/40
Abstract: A bundle of public counters and a corresponding bundle of private counters are created and transmitted to a user device. The user device receives a request and processes the request without accessing a secure element processor on the user device. The user device calculates a security code using the private counter and a number. The user device transmits the calculated security code and one of the bundle of public counters in response to the request. A receiver of the response to the request determines the validity of the public counter and looks up the corresponding private counter using the public counter. The receiver determines the validity of the security code by recomputing it using the private counter and the number.
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公开(公告)号：US20140351040A1
公开(公告)日：2014-11-27
申请号：US14140879
申请日：2013-12-26
Applicant: Google Inc.
Inventor： Tim Kuchlein , Harry Lee Butler, IV , Peter Hazlehurst , Shantan Rao , Yan Chen , Marlo James McGriff, II , Yanka Li , Ignacio Carlos Blanco , Amit Chandak , Shobhana Katukuri
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。
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