公开(公告)号：US20160371716A1

公开(公告)日：2016-12-22

申请号：US14744716

申请日：2015-06-19

Applicant: GOOGLE INC.

Inventor： Erwin Aitenbichler ,  Iyad Assad ,  Aneto Pablo Okonkwo

IPC: G06Q30/02 ,  G06Q20/38

CPC classification number: G06Q30/0233 ,  G06Q20/387 ,  G06Q30/0207

Abstract: A method for redeeming rewards during an offline payment transaction. Once a user reaches a reward threshold, a reward certificate is transmitted to a merchant device by an account system. The user initiates a payment transaction when the devices are without network access to the account system. The user device transmits a withdrawal record, a transaction history, a reward redemption history, and an identification to the merchant device. The merchant device determines whether the user has an available reward, whether additional funds are required to process the offline payment transaction, and whether the user device has a sufficient balance to complete the offline payment transaction. The merchant device prepares a withdrawal record, writes it to the user device, and saves it until the merchant device has network access. When the merchant device has network access, it transmits the withdrawal record and transaction history to the account system.

Abstract translation: 在离线支付交易期间兑换奖励的方法。 一旦用户达到奖励阈值，则奖励证书由帐户系统发送给商家设备。 当设备没有网络访问帐户系统时，用户启动支付交易。 用户设备向商家设备发送提款记录，交易记录，奖励兑换历史和标识。 商家设备确定用户是否具有可用的奖励，是否需要额外的资金来处理离线支付交易，以及用户设备是否具有足够的余额来完成离线支付交易。 商家设备准备提款记录，将其写入用户设备，并保存到商家设备进行网络访问。 当商家设备具有网络访问权限时，它将提款记录和交易记录传送到帐户系统。

公开(公告)号：US20150278796A1

公开(公告)日：2015-10-01

申请号：US14226798

申请日：2014-03-26

Applicant: GOOGLE INC.

Inventor： Fan Jiang ,  Iyad Assad ,  Aneto Pablo Okonkwo

IPC: G06Q20/32 ,  G06Q20/38

CPC classification number: G06Q20/327 ,  G06Q20/3224 ,  G06Q20/3825 ,  G06Q20/405

Abstract: A method for providing secure offline payments comprises an account system that communicates a signed balance certificate to a user device. The system accesses the user's account, determines the available unlocked funds, creates and signs a balance certificate, and transmits the signed balance certificate to the user device. To complete an offline payment transaction, the user device and a merchant device establish a communication channel. The merchant device transmits a payment request to the user device. A signed withdrawal record and the signed balance certificate are transmitted to the merchant device for verification and completion of the offline payment transaction. The merchant device signs the withdrawal record, transmits it to the user device, and saves it until the merchant device has network access and can transmit the it to the system. The system verifies the withdrawal record and records it in the user's account.

Abstract translation: 用于提供安全离线支付的方法包括将签名的余额证明传送给用户设备的帐户系统。 系统访问用户帐户，确定可用的解锁资金，创建并签署余额证书，并将签名的余额证明书发送给用户设备。 为了完成离线支付交易，用户设备和商家设备建立通信信道。 商家设备向用户设备发送支付请求。 已签署的提款记录和签名的余额凭证被传送到商家设备以进行离线支付交易的验证和完成。 商家设备签收提款记录，将其发送给用户设备，并保存，直到商家设备具有网络访问权限，并将其发送到系统。 系统验证提款记录并将其记录在用户的帐户中。