-
公开(公告)号：US11595382B2
公开(公告)日：2023-02-28
申请号：US17087225
申请日：2020-11-02
Applicant: Google LLC
Inventor： Sashikanth Chandrasekaran , Dmitry Kalenichenko , Timothy Raymond Zwiebel , Michal Palczewski , Varouj Chitilian , Denise Ho
Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.
-
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
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.
-
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
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：US12039522B2
公开(公告)日：2024-07-16
申请号：US18164962
申请日：2023-02-06
Applicant: Google LLC
Inventor： Varouj Chitilian , Sashikanth Chandrasekaran , Denise Ho , Zhihong Xu , William Hartley Setchell , Phalachandra Sreepada Bhat
IPC: G06Q20/32 , G06Q20/00 , G06Q20/20 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q20/42 , G10L15/08 , G06Q20/02
CPC classification number: G06Q20/3674 , G06Q20/00 , G06Q20/20 , G06Q20/322 , G06Q20/325 , G06Q20/3278 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q20/40145 , G10L15/08 , G06Q20/02 , G06Q20/3224 , G06Q20/326 , G06Q20/405 , G06Q20/4097 , G06Q20/425
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.
-
公开(公告)号：US20230419288A1
公开(公告)日：2023-12-28
申请号：US18322197
申请日：2023-05-23
Applicant: Google LLC
CPC classification number: G06Q20/202 , G06Q20/3224 , G06V20/46 , G06V40/166 , G06V40/167 , G06V40/172 , G06Q20/40145 , G06T7/74 , G06Q20/206 , G06T2207/10016 , G06T2207/30201 , G06T2207/30232
Abstract: A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.
-
Patent Agency Ranking
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
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：US10726407B2
公开(公告)日：2020-07-28
申请号：US15462772
申请日：2017-03-17
Applicant: Google LLC
Abstract: A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.
-
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
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.
-
公开(公告)号：US11694175B2
公开(公告)日：2023-07-04
申请号：US16936783
申请日：2020-07-23
Applicant: Google LLC
CPC classification number: G06Q20/202 , G06Q20/206 , G06Q20/3224 , G06Q20/40145 , G06T7/74 , G06V20/46 , G06V40/166 , G06V40/167 , G06V40/172 , G06T2207/10016 , G06T2207/30201 , G06T2207/30232
Abstract: A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.
-
公开(公告)号：US11574301B2
公开(公告)日：2023-02-07
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: G06Q20/32 , G06Q20/38 , G06Q20/40 , G06Q20/00 , G06Q20/20 , G10L15/08 , G06Q20/36 , G06Q20/42 , G06Q20/02
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.
-
-
-
-
-
-
-
-
-
Search Results
17
records
(took 0.013 seconds)
