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    HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE
    1.
    发明申请
    HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE 审中-公开
    无障碍的交易与挑战和反应

    公开(公告)号：US20160012426A1

    公开(公告)日：2016-01-14

    申请号：US14540034

    申请日：2014-11-12

    Applicant: Google Inc.

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

    IPC: G06Q20/38

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

    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.

    Abstract translation: 执行免提交易包括在支付处理系统处的服务器，用户计算设备和商业计算设备。 支付处理系统从用户设备上的免提支付应用接收通信，该通信包括第一交易令牌，用户帐户的标识和信标标识符。 商家可以向用户提供挑战并使用响应来识别用户的令牌和帐户。 商业计算设备可以使用用户的语音模式来帮助识别用户的令牌和帐户。 系统从商业计算设备接收交易请求，该交易请求包括第一交易令牌和与交易请求相关联的交易数据。 该系统确定该事务的数量小于配置的事务限制，并传达对该事务授权的请求。

    Facial profile modification for hands free transactions
    2.
    发明授权
    Facial profile modification for hands free transactions 有权

    公开(公告)号：US10482463B2

    公开(公告)日：2019-11-19

    申请号：US15447083

    申请日：2017-03-01

    Applicant: GOOGLE INC.

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

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

    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.

    Identifying user device status via rotating codes broadcast by a beacon device
    6.
    发明授权
    Identifying user device status via rotating codes broadcast by a beacon device 有权

    公开(公告)号：US10278006B2

    公开(公告)日：2019-04-30

    申请号：US15440973

    申请日：2017-02-23

    Applicant: GOOGLE INC.

    Inventor： Sashikanth Chandrasekaran ,  Michal Palczewski ,  Varouj Chitilian

    IPC: H04W4/02 ,  H04W4/80 ,  G01S1/04 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/40 ,  H04L29/08 ,  H04W4/04

    Abstract: A user enters a location with a user device. A beacon device broadcasts a first beacon device code comprising a hardware identifier via a local wireless network at the location. A service application of the user device receives the first beacon device hardware identifier, logs a check-in status of the user, and transmits the check-in status to a service provider system. The beacon device generates, after a predetermined period of time, a subsequent beacon device code comprising a random number to broadcast at the location via the local wireless network. In response to receiving the subsequent beacon device code broadcast by the beacon device, the user device logs and transmits a subsequent check in status to the service provider system via the network. The service provider system provides services to the user device or another device at the location in accordance with the check-in status of the user device.

    FACIAL PROFILE MODIFICATION FOR HANDS FREE TRANSACTIONS
    7.
    发明申请
    FACIAL PROFILE MODIFICATION FOR HANDS FREE TRANSACTIONS 审中-公开

    公开(公告)号：US20170255942A1

    公开(公告)日：2017-09-07

    申请号：US15447083

    申请日：2017-03-01

    Applicant: GOOGLE INC.

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

    IPC: G06Q20/40 ,  G06Q20/20

    CPC classification number: G06Q20/40145 ,  G06F21/32 ,  G06Q20/202

    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
    8.
    发明申请
    Facial Profile Password to Modify User Account Data for Hands-Free Transactions 审中-公开
    面部轮廓密码修改免提交易的用户帐户数据

    公开(公告)号：US20160323274A1

    公开(公告)日：2016-11-03

    申请号：US15143453

    申请日：2016-04-29

    Applicant: GOOGLE INC.

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

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

    CPC classification number: H04L63/0861 ,  G06F21/32 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/3278 ,  G06Q20/40145 ,  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.

    Abstract translation: 帐户管理系统为用户建立帐户。 用户将用户帐户信息输入到帐户中，并且帐户管理系统基于用户脸部的图像为用户建立面部模板。 用户请求在商家POS（POS）设备上更改用户帐户信息。 商户POS设备捕获用户的面部图像，并将图像发送给产生面部模板的帐户管理系统，并将生成的面部模板与与用户帐户相关联的现有面部模板进行比较。 如果所生成的面部模板小于与现有面部模板的阈值差异，则用户可以在商户POS设备处更新用户帐户信息，其将更新的用户帐户信息传达到帐户管理系统。 帐户管理系统将更新的用户帐户信息与用户帐户相关联。

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