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.

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.

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.

公开(公告)号：US20190266598A1

公开(公告)日：2019-08-29

申请号：US16407133

申请日：2019-05-08

Applicant: GOOGLE LLC

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

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.