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公开(公告)号:US11978046B2
公开(公告)日:2024-05-07
申请号:US17472980
申请日:2021-09-13
Applicant: Google LLC
Inventor: Travis Harrison Kroll Green , Michael DePasquale , Boris Mizhen , Josh Ostrow , Peter Schmitt , Kevin Michael Bierhoff , Alevtina Stolpnik , Avery Pennarun , Narelle Cozens
CPC classification number: G06Q20/384 , G06Q20/10 , G06Q20/102 , 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.
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公开(公告)号:US20210406874A1
公开(公告)日:2021-12-30
申请号:US17472980
申请日:2021-09-13
Applicant: Google LLC
Inventor: Travis Harrison Kroll Green , Michael DePasquale , Boris Mizhen , Josh Ostrow , Peter Schmitt , Kevin Michael Bierhoff , Alevtina Stolpnik , Avery Pennarun , Narelle Cozens
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.
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公开(公告)号:US12020231B2
公开(公告)日:2024-06-25
申请号:US17306459
申请日:2021-05-03
Applicant: Google LLC
Inventor: Narelle Cozens , Travis Harrison Kroll Green , Boris Mizhen , Phillip Neal Sharp , Josh Ostrow , Hoai Nguyen , Peter Schmitt
IPC: G06Q20/10 , G06Q10/107 , G06Q20/22 , H04L51/046 , H04L51/48
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 entails residing in both the sender and recipient email client.
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公开(公告)号:US20210326830A1
公开(公告)日:2021-10-21
申请号:US17306459
申请日:2021-05-03
Applicant: Google LLC
Inventor: Narelle Cozens , Travis Harrison Kroll Green , Boris Mizhen , Phillip Neal Sharp , Josh Ostrow , Hoai Nguyen , Peter Schmitt
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 entails residing in both the sender and recipient email client
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公开(公告)号:US10963847B2
公开(公告)日:2021-03-30
申请号:US16563438
申请日:2019-09-06
Applicant: GOOGLE LLC
Inventor: Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.
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公开(公告)号:US09922339B2
公开(公告)日:2018-03-20
申请号:US13834444
申请日:2013-03-15
Applicant: Google LLC
Inventor: Travis Harrison Kroll Green , Brian Richard Schneirow
IPC: G06Q30/02
CPC classification number: G06Q30/0226
Abstract: A transaction parameter date set comprising input variables characterizing the transaction conditions are collected when an electronic payment is initiated on an electronic payment system. The collected transaction input variables are used to calculate an expected future transaction value using a decision function. The expected future transaction value identifies high utility transaction based on a comparison of the expected future transaction value to a threshold value established while training the decision function on a training data set of known outcome. A high utility transaction can include behavior that if rewarded is likely to retain current users or grow the electronic payment system network by adding new users. If the expected future transaction value exceeds the threshold value the sender of the electronic payment is rewarded by the system.
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公开(公告)号:US20240338691A1
公开(公告)日:2024-10-10
申请号:US18628414
申请日:2024-04-05
Applicant: Google LLC
Inventor: Travis Harrison Kroll Green , Michael DePasquale , Boris Mizhen , Josh Ostrow , Peter Schmitt , Kevin Michael Bierhoff , Alevtina Stolpnik , Avery Pennarun , Narelle Cozens
CPC classification number: G06Q20/384 , G06Q20/10 , G06Q20/102 , 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.
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公开(公告)号:US10997575B2
公开(公告)日:2021-05-04
申请号:US16434156
申请日:2019-06-06
Applicant: GOOGLE LLC
Inventor: Narelle Cozens , Travis Harrison Kroll Green , Boris Mizhen , Phillip Neal Sharp , Josh Ostrow , Hoai Nguyen , Peter Schmitt
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.
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公开(公告)号:US20190392404A1
公开(公告)日:2019-12-26
申请号:US16563438
申请日:2019-09-06
Applicant: GOOGLE LLC
Inventor: Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.
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公开(公告)号:US11120440B2
公开(公告)日:2021-09-14
申请号:US16437024
申请日:2019-06-11
Applicant: GOOGLE LLC
Inventor: Travis Harrison Kroll Green , Michael DePasquale , Boris Mizhen , Josh Ostrow , Peter Schmitt , Kevin Michael Bierhoff , Alevtina Stolpnik , Avery Pennarun , Narelle Cozens
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.
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