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US Patent 8725597 Merchant scoring system and transactional database

Patent 8725597 was granted and assigned to Google on May, 2014 by the United States Patent and Trademark Office.

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Patent abstractTimelineTable: Further ResourcesReferences
Is a
Patent
Patent

Patent attributes

Current Assignee
Google
Google
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
Patent Number
8725597
Date of Patent
May 13, 2014
Patent Application Number
12109772
Date Filed
April 25, 2008
Patent Citations Received
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US Patent 12002036 Enhancing merchant databases using crowdsourced browser data
3
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US Patent 12026757 Method, apparatus, and computer program product for determining closing metrics
4
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US Patent 12026733 System and method for real-time promotional demand management utilizing mobile e-commerce sales leads
5
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US Patent 12137123 Rapid predictive analysis of very large data sets using the distributed computational graph
6
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US Patent 12093957 Transaction validation and fraud mitigation
7
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US Patent 11663603 Systems and methods for providing merchant fraud alerts
8
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US Patent 11694156 Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing
9
Patent Primary Examiner
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Paul Danneman
Patent abstract

A merchant scoring system predicts and reports the likelihood that a merchant is reliable (e.g., trustworthy, honest, and reputable), which is expected to translate into a positive consumer experience. The system collects data from a variety of data sources, including combinations of the merchant, third-parties, and/or customers who have transacted with the merchant. A scoring model is executed on this collected data to determine an independent and objective merchant reliability metric that predicts the expected reliability of a merchant within a range. The system may also track transactions of individual merchants, populating a transaction history database with information about each merchant for use in this collection and scoring process. The transaction history data and other data may also be accessible to a prospective customer to build his or her confidence in and understanding of the merchant reliability metric and his or her trust of the merchant.

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