公开(公告)号：US12039522B2

公开(公告)日：2024-07-16

申请号：US18164962

申请日：2023-02-06

Applicant: Google LLC

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Denise Ho ,  Zhihong Xu ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat

IPC: G06Q20/32 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42 ,  G10L15/08 ,  G06Q20/02

CPC classification number: G06Q20/3674 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/40145 ,  G10L15/08 ,  G06Q20/02 ,  G06Q20/3224 ,  G06Q20/326 ,  G06Q20/405 ,  G06Q20/4097 ,  G06Q20/425

Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

公开(公告)号：US11574301B2

公开(公告)日：2023-02-07

申请号：US16428234

申请日：2019-05-31

Applicant: GOOGLE LLC

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Denise Ho ,  Zhihong Xu ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat

IPC: G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/00 ,  G06Q20/20 ,  G10L15/08 ,  G06Q20/36 ,  G06Q20/42 ,  G06Q20/02

Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

公开(公告)号：US20230186282A1

公开(公告)日：2023-06-15

申请号：US18164962

申请日：2023-02-06

Applicant: Google LLC

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Denise Ho ,  Zhihong Xu ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat

IPC: G06Q20/36 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/42 ,  G10L15/08

CPC classification number: G06Q20/3674 ,  G06Q20/00 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/401 ,  G06Q20/425 ,  G06Q20/3224 ,  G06Q20/3278 ,  G06Q20/40145 ,  G10L15/08 ,  G06Q20/382

Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

公开(公告)号：US20190287097A1

公开(公告)日：2019-09-19

申请号：US16428234

申请日：2019-05-31

Applicant: GOOGLE LLC

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Denise Ho ,  Zhihong Xu ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat

IPC: G06Q20/36 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/32 ,  G06Q20/42 ,  G10L15/08 ,  G06Q20/20 ,  G06Q20/02 ,  G06Q20/00

Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.