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.

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.