公开(公告)号：US20160012422A1

公开(公告)日：2016-01-14

申请号：US14540031

申请日：2014-11-12

Applicant: GOOGLE INC.

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

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

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。