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    Direct Settlement of Hands-Free Transactions
    1.
    发明公开
    Direct Settlement of Hands-Free Transactions 审中-公开

    公开(公告)号：US20240220961A1

    公开(公告)日：2024-07-04

    申请号：US18394350

    申请日：2023-12-22

    Applicant: Google LLC

    Inventor： Steven Dieter ,  Pramod Adiddam ,  Amit Litsur ,  Yangui Tao ,  Denise Ho ,  Varouj Chitilian

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

    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.

    HANDS-FREE TRANSACTIONS WITH VOICE RECOGNITION
    3.
    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.

    Network security based on proximity with IP whitelisting
    5.
    发明授权
    Network security based on proximity with IP whitelisting 有权

    公开(公告)号：US10769609B2

    公开(公告)日：2020-09-08

    申请号：US15447034

    申请日：2017-03-01

    Applicant: Google LLC

    Inventor： Sashikanth Chandrasekaran ,  Yilei Wang ,  Pramod Adiddam ,  Zhihong Xu ,  Varouj Chitilian

    IPC: G06Q20/20 ,  H04L29/06 ,  G06Q20/32 ,  G06Q20/38 ,  H04W12/08 ,  H04W12/00

    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 PROCESSING WITH A CONFIRMATION REQUEST
    6.
    发明申请
    HANDS-FREE PROCESSING WITH A CONFIRMATION REQUEST 审中-公开

    公开(公告)号：US20200234272A1

    公开(公告)日：2020-07-23

    申请号：US16238492

    申请日：2019-01-02

    Applicant: GOOGLE LLC

    Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  Yangui Tao ,  Denise Ho ,  Phalachandra Sreepada Bhat ,  Loretta Hui

    IPC: G06Q20/32 ,  G06Q20/40

    Abstract: An application on a user computing device receives a beacon identifier from a service computing device, generates a first service request token, and transmits the first service request token to the service computing device. The application on the user computing device transmits a first communication comprising the first service request token, an account identifier, and the beacon identifier to a service request processing system. The service request processing system receives, from a service computing device, a request comprising the first service request token and the service request data. The service request processing system determines that the service request exceeds a configured service request limit, communicates, to the application on the user computing device, a request for an authorization of the service request, and receives an authorization for the service request from the application on the user computing device, and processes the service request in response to receiving the authorization.

    Identifying consumers via facial recognition to provide services
    8.
    发明授权
    Identifying consumers via facial recognition to provide services 有权

    公开(公告)号：US10733587B2

    公开(公告)日：2020-08-04

    申请号：US15143451

    申请日：2016-04-29

    Applicant: GOOGLE LLC

    Inventor： Sashikanth Chandrasekaran ,  Denise Ho ,  Dmitry Kalenichenko ,  Varouj Chitilian ,  Timothy Raymond Zwiebel ,  Jumana Al Hashal

    IPC: G06Q20/20 ,  G06K9/00 ,  G07F9/02 ,  G06K9/62

    Abstract: A user signs into an application via a user computing device at a merchant system location. The user computing device receives an identifier from a beacon device at the location to transmit to an account management system. The account management system transmits facial templates to the merchant camera device for users who are signed in to the application in range of the merchant beacon device. The user approaches a point of sale device to purchase a restricted product or service. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator, after determining that the user is eligible for the restricted product or service based on account information of the user, selects a payment account of the user. The merchant POS device transmits transaction details to the account management system, which processes the transaction with an issuer system.

    HANDS-FREE TRANSACTIONS VERIFIED BY LOCATION
    9.
    发明申请
    HANDS-FREE TRANSACTIONS VERIFIED BY LOCATION 审中-公开

    公开(公告)号：US20190130408A1

    公开(公告)日：2019-05-02

    申请号：US16233442

    申请日：2018-12-27

    Applicant: GOOGLE LLC

    Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  Pramod Adiddam ,  Thai Ngoc Duong

    IPC: G06Q20/40 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/32

    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.

    Identifying creative offers within online content
    10.
    发明授权
    Identifying creative offers within online content 有权

    公开(公告)号：US11004118B1

    公开(公告)日：2021-05-11

    申请号：US13841510

    申请日：2013-03-15

    Applicant: Google LLC

    Inventor： Varouj Chitilian ,  Amar Anil Chokhawala ,  Girish Deodhar ,  Derek Coatney ,  Wei Wu ,  Tarun Kumar Jain

    IPC: G06Q30/02

    Abstract: A computer-implemented method for enhancing an offer included within an online advertisement is implemented by a computing device. The computing device is coupled to a memory device. The method includes storing, within the memory device, a plurality of online advertisements. At least some of the plurality of online advertisements include offers. The method also includes identifying a candidate offer included within an online candidate advertisement from the plurality of online advertisements stored within the memory device, validating the candidate offer including determining that a web site associated with the online candidate advertisement includes data matching the candidate offer, and enhancing the display information associated with the validated candidate offer prior to providing the online candidate advertisement associated with the validated candidate offer.

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