公开(公告)号：US20170221065A1

公开(公告)日：2017-08-03

申请号：US15492718

申请日：2017-04-20

Applicant: GOOGLE INC.

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat ,  Yangui Tao

IPC: G06Q20/40

CPC classification number: G06Q20/401 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/38215 ,  G06Q20/4014 ,  G06Q20/4016 ,  G06Q2220/00

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 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：US20170017951A1

公开(公告)日：2017-01-19

申请号：US15211746

申请日：2016-07-15

Applicant: GOOGLE INC.

Inventor： Johnie Lee ,  Roman Kalukiewicz ,  Titia Tin Yee Wong ,  Petra Cross ,  Andrew Waterman ,  Michael Kuo-Li Ying ,  Zachary Cancio

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q30/02

CPC classification number: G06Q20/3278 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q30/0226

Abstract: Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

公开(公告)号：US20170017950A1

公开(公告)日：2017-01-19

申请号：US15211641

申请日：2016-07-15

Applicant: GOOGLE INC.

Inventor： Johnie Lee ,  Titia Tin Yee Wong

IPC: G06Q20/32 ,  G06Q20/20

CPC classification number: G06Q20/3278 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q30/0226

Abstract: Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

公开(公告)号：US20160012426A1

公开(公告)日：2016-01-14

申请号：US14540034

申请日：2014-11-12

Applicant: Google Inc.

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

IPC: G06Q20/38

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。

公开(公告)号：US10430782B2

公开(公告)日：2019-10-01

申请号：US15211641

申请日：2016-07-15

Applicant: GOOGLE INC.

Inventor： Johnie Lee ,  Titia Tin Yee Wong

IPC: G06Q20/32 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q30/02 ,  G06Q20/02

Abstract: Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

公开(公告)号：US09652759B2

公开(公告)日：2017-05-16

申请号：US14539997

申请日：2014-11-12

Applicant: GOOGLE INC.

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat ,  Yangui Tao

IPC: G06Q20/00 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/36 ,  G06Q20/40

CPC classification number: G06Q20/4016 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/38215 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q2220/00

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 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：US20160012414A1

公开(公告)日：2016-01-14

申请号：US14539997

申请日：2014-11-12

Applicant: GOOGLE INC.

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat ,  Yangui Tao

IPC: G06Q20/32 ,  G06Q20/38

CPC classification number: G06Q20/4016 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/38215 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q2220/00

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 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.

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。 支付处理系统将商家系统注册为免提支付参与者并提供信标标识符。 支付处理系统从用户计算设备上的免提支付应用接收通信，该通信包括交易令牌，用户帐户的标识以及由用户计算设备经由无线通信从一个 设备与商家系统相关联并将该交易令牌发送到商家系统计算设备。 支付处理系统从商务系统计算设备接收交易请求，包括与交易请求相关联的令牌和交易数据的交易请求，并且基于接收的令牌和交易请求在用户账户与商家系统之间进行交易 。

公开(公告)号：US20160012413A1

公开(公告)日：2016-01-14

申请号：US14540009

申请日：2014-11-12

Applicant: GOOGLE INC.

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  Pramod Adiddam ,  Thai Ngoc Duong

IPC: G06Q20/32

CPC classification number: G06Q20/4016 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3227 ,  G06Q20/3278 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/38215 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q2220/00

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 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.

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。 支付处理系统将商家系统注册为免提支付参与者并提供信标标识符。 支付处理系统从用户计算设备上的免提支付应用接收通信，该通信包括交易令牌，用户帐户的标识以及由用户计算设备经由无线通信从一个 设备与商家系统相关联并将该交易令牌发送到商家系统计算设备。 支付处理系统从商务系统计算设备接收交易请求，包括与交易请求相关联的令牌和交易数据的交易请求，并且基于接收的令牌和交易请求在用户账户与商家系统之间进行交易 。

公开(公告)号：US10460317B2

公开(公告)日：2019-10-29

申请号：US14540001

申请日：2014-11-12

Applicant: GOOGLE INC.

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  Thai Ngoc Duong

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

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：US10185960B2

公开(公告)日：2019-01-22

申请号：US14540009

申请日：2014-11-12

Applicant: GOOGLE INC.

Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  Pramod Adiddam ,  Thai Ngoc Duong

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

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.