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.

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

IPC: G06Q20/32 ,  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.