Hands-free transactions verified by location

    公开(公告)号:US10185960B2

    公开(公告)日:2019-01-22

    申请号:US14540009

    申请日:2014-11-12

    Applicant: GOOGLE INC.

    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 registers a merchant system as a hands-free payment participant and provides a beacon identifier. The payment processing system receives a communication from a hands-free payment application on a user computing device, the communication comprising a transaction token, an identification of a user account, and the beacon identifier received by the user computing device via a wireless communication from a device associated with the merchant system and transmits the transaction token to the merchant system computing device. The payment processing system receives from the merchant system computing device, a transaction request, the transaction request comprising the token and transaction data associated with the transaction request and conducts the transaction between the user account and the merchant system based on the received token and transaction request.

    HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE
    7.
    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.

    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。

    DIRECT SETTLEMENT OF HANDS-FREE TRANSACTIONS

    公开(公告)号:US20170255923A1

    公开(公告)日:2017-09-07

    申请号:US15446734

    申请日:2017-03-01

    Applicant: GOOGLE INC.

    CPC classification number: G06Q20/3226 G06Q20/204 G06Q20/40145 G06Q20/405

    Abstract: A hands-free transaction is processed by utilizing an account management system to authorize a transaction and to provide payment account information to a payment processing system while allowing the transaction settlement to occur between the payment processing system and the merchant. After the account of the user is verified, a POS device generates a payment authorization request based on a user verification and other transaction information. The POS device transmits the payment authorization request to the account management system, and the account management system identifies the user payment data. The account management system receives an authorization from the payment processing system and transmits the payment authorization to the merchant. The merchant salesperson completes the transaction with the user by providing the product or service being purchased. The payment processing system and the merchant system then settle the transaction without involvement of account management system.

    NETWORK SECURITY BASED ON PROXIMITY WITH IP WHITELISTING

    公开(公告)号:US20170255915A1

    公开(公告)日:2017-09-07

    申请号:US15447034

    申请日:2017-03-01

    Applicant: GOOGLE INC.

    Abstract: A processing system periodically configures a beacon code and random nonce to transmit to a beacon device at a location. Multiple users enter the location with associated user computing devices and retransmit the beacon code broadcasted by the beacon device to the processing system. A computing device at the location transmits to the processing system a request for account data comprising a hardware identifier and retransmits the beacon code and a random nonce. The processing system verifies the request based on the beacon code and random nonce and transmits, to the computing device at the location, user account identifiers associated with user computing devices that retransmitted the beacon code. Within a threshold period of time, the processing system may verify a subsequent request from the computing device, even without receiving the beacon code and random nonce, if the request comprises the hardware identifier.

    HANDS-FREE TRANSACTIONS VERIFIED BY LOCATION
    10.
    发明申请
    HANDS-FREE TRANSACTIONS VERIFIED BY LOCATION 审中-公开
    根据位置验证的无交易交易

    公开(公告)号:US20160012413A1

    公开(公告)日:2016-01-14

    申请号:US14540009

    申请日:2014-11-12

    Applicant: GOOGLE INC.

    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 registers a merchant system as a hands-free payment participant and provides a beacon identifier. The payment processing system receives a communication from a hands-free payment application on a user computing device, the communication comprising a transaction token, an identification of a user account, and the beacon identifier received by the user computing device via a wireless communication from a device associated with the merchant system and transmits the transaction token to the merchant system computing device. The payment processing system receives from the merchant system computing device, a transaction request, the transaction request comprising the token and transaction data associated with the transaction request and conducts the transaction between the user account and the merchant system based on the received token and transaction request.

    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。 支付处理系统将商家系统注册为免提支付参与者并提供信标标识符。 支付处理系统从用户计算设备上的免提支付应用接收通信,该通信包括交易令牌,用户帐户的标识以及由用户计算设备经由无线通信从一个 设备与商家系统相关联并将该交易令牌发送到商家系统计算设备。 支付处理系统从商务系统计算设备接收交易请求,包括与交易请求相关联的令牌和交易数据的交易请求,并且基于接收的令牌和交易请求在用户账户与商家系统之间进行交易 。

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