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    FACIAL PROFILE MODIFICATION FOR HANDS FREE TRANSACTIONS
    13.
    发明申请
    FACIAL PROFILE MODIFICATION FOR HANDS FREE TRANSACTIONS 审中-公开

    公开(公告)号：US20200082410A1

    公开(公告)日：2020-03-12

    申请号：US16684903

    申请日：2019-11-15

    Applicant: GOOGLE LLC

    Inventor： Sashikanth Chandrasekaran ,  Denise Ho ,  Dmitry Kalenichenko ,  Varouj Chitilian ,  Timothy Raymond Zwiebel ,  Michal Palczewski

    IPC: G06Q20/40 ,  G06F21/32 ,  G06Q20/20

    Abstract: An account management system establishes a facial template for a user based on an image. The user computing device, signed into a payment application at the merchant location, receives an identifier from a merchant beacon device to transmit to the account management system, which transmits payment tokens based on payment account data and facial templates to the merchant POS device for each user signed in at the merchant location. The merchant POS device identifies the user by comparing a captured image of the user against the received facial templates and transmits the payment token to an issuer system. At a later time, the account management system receives, from a user computing device, a subsequent user image and generates a subsequent facial template. If the difference of the subsequent facial template is less than a threshold from the existing facial template, the subsequent facial template is associated with the user account.

    FACIAL PROFILE PASSWORD TO MODIFY USER ACCOUNT DATA FOR HANDS FREE TRANSACTIONS
    14.
    发明申请
    FACIAL PROFILE PASSWORD TO MODIFY USER ACCOUNT DATA FOR HANDS FREE TRANSACTIONS 审中-公开

    公开(公告)号：US20190364039A1

    公开(公告)日：2019-11-28

    申请号：US16534701

    申请日：2019-08-07

    Applicant: GOOGLE LLC

    Inventor： Sashikanth Chandrasekaran ,  Denise Ho ,  Dmitry Kalenichenko ,  Varouj Chitilian ,  Timothy Raymond Zwiebel ,  Michal Palczewski

    IPC: H04L29/06 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/20 ,  G06F21/32 ,  G06Q40/02 ,  H04W12/06

    Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

    HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE
    15.
    发明申请
    HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE 审中-公开

    公开(公告)号：US20190266598A1

    公开(公告)日：2019-08-29

    申请号：US16407133

    申请日：2019-05-08

    Applicant: GOOGLE LLC

    Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  Denise Ho ,  Pramod Adiddam ,  Zhihong Xu ,  Michal Palczewski

    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.

    HANDS-FREE TRANSACTIONS WITH VOICE RECOGNITION
    17.
    发明申请
    HANDS-FREE TRANSACTIONS WITH VOICE RECOGNITION 审中-公开

    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.

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