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1. (WO2016054226) ANNOTATING A TRANSACTION HISTORY RECORD WITH MERCHANT INFORMATION IDENTIFIED FROM A MERCHANT IDENTIFIER AND USER COMPUTING DEVICE LOCATION DATA
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2016/054226 International Application No.: PCT/US2015/053245
Publication Date: 07.04.2016 International Filing Date: 30.09.2015
IPC:
G06Q 30/06 (2012.01) ,G06Q 20/32 (2012.01) ,G06Q 20/38 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30
Commerce, e.g. shopping or e-commerce
06
Buying, selling or leasing transactions
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
Applicants:
GOOGLE INC. [US/US]; 1600 Amphitheatre Parkway Mountain View, CA 94043, US
Inventors:
HERMAN, Jeffrey, Lawrence; US
FANG, Qiming; US
Agent:
ISAACS, William, O., II; US
Priority Data:
14/504,14801.10.2014US
Title (EN) ANNOTATING A TRANSACTION HISTORY RECORD WITH MERCHANT INFORMATION IDENTIFIED FROM A MERCHANT IDENTIFIER AND USER COMPUTING DEVICE LOCATION DATA
(FR) ANNOTATION D'UN ENREGISTREMENT D'HISTORIQUE DE TRANSACTIONS AVEC DES INFORMATIONS DE COMMERÇANT IDENTIFIÉES PAR UN IDENTIFICATEUR DE COMMERÇANT ET DES DONNÉES D'EMPLACEMENT DE DISPOSITIF INFORMATIQUE D'UTILISATEUR
Abstract:
(EN) 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.
(FR) Selon l'invention, un système de traitement de paiement reçoit une ou plusieurs indications de l'emplacement d'un utilisateur au moment où l'utilisateur lance une transaction avec un système de commerçant, à un emplacement physique du système de commerçant, traite la transaction et reçoit un identificateur de point de vente de commerçant du système d'émetteur associé aux informations de compte financier sélectionnées par l'utilisateur. Le système de traitement de paiement crée une liste combinée d'identités de commerçant candidates sur la base de l'identificateur de point de vente (POS) de commerçant reçu et de l'emplacement de dispositif informatique d'utilisateur. Le système de traitement de paiement calcule une probabilité pour chacune des identités de commerçant dans la liste sur la base d'une similarité avec l'identificateur de POS de commerçant et les données d'emplacement d'utilisateur. Le système de traitement de paiement associe l'identificateur de POS de commerçant à l'identité de commerçant ayant la probabilité la plus élevée et crée un enregistrement de transaction annoté à afficher pour l'utilisateur.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)