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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。
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公开(公告)号：US20170171173A1
公开(公告)日：2017-06-15
申请号：US14964519
申请日：2015-12-09
Applicant: GOOGLE INC.
Inventor： Sashikanth Chandrasekaran , Sheldon Israel Walfish , Yilei Wang , Zhihong Xu
CPC classification number: H04L63/061 , G06Q20/202 , G06Q20/3224 , G06Q20/36 , H04L63/0492 , H04L63/0884 , H04W4/02
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. The user computing devices retransmit the beacon code broadcasted by the beacon device to the processing system. A particular user initiates a transaction at a computing device at the location, which transmits to the processing system a request for account data and retransmits the beacon code and a random nonce. The processing system verifies 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. The processing system receives a selection of the user identifier from the merchant point of sale device and transmits account information to the computing device at the location.
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公开(公告)号：US20160012421A1
公开(公告)日：2016-01-14
申请号：US14540004
申请日：2014-11-12
Applicant: GOOGLE INC.
Inventor： Varouj Chitilian , Sashikanth Chandrasekaran , Andrew Ames Bunner , Mohammed Waleed Kadous , Marc Stogaitis , Thomas Yuchin Chao , Alan Lee Gardner, III , Joseph Allen Anthony Farfel , Zhihong Xu
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.
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 。
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Patent Agency Ranking
公开(公告)号：US10033712B2
公开(公告)日：2018-07-24
申请号：US14964519
申请日：2015-12-09
Applicant: GOOGLE INC.
Inventor： Sashikanth Chandrasekaran , Sheldon Israel Walfish , Yilei Wang , Zhihong Xu
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. The user computing devices retransmit the beacon code broadcasted by the beacon device to the processing system. A particular user initiates a transaction at a computing device at the location, which transmits to the processing system a request for account data and retransmits the beacon code and a random nonce. The processing system verifies 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. The processing system receives a selection of the user identifier from the merchant point of sale device and transmits account information to the computing device at the location.
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公开(公告)号：US20170364901A1
公开(公告)日：2017-12-21
申请号：US15616895
申请日：2017-06-07
Applicant: GOOGLE INC.
Inventor： Sashikanth Chandrasekaran , Zhihong Xu
CPC classification number: G06Q20/3224 , G01S5/00 , G01S5/02 , G06Q20/3278 , G06Q20/4014 , H04B17/27 , H04B17/318 , H04W4/021 , H04W12/00503 , H04W12/00516 , H04W12/08 , H04W48/16 , H04W64/00
Abstract: The proposed solution in particular relates to a computer-implemented method to identify user computing device locations based on location data and beacon signal strength in which a user computing device receives a beacon signal comprising a beacon device identifier from a beacon device via a wireless network scan and determines that a second location of the user computing device is within a geofence boundary and is less than a predefined distance from a location of the beacon device based on a beacon signal strength of the beacon device. The beacon signal strength is based on at least one of the received beacon signal and further signals received from the beacon device via the wireless network scan. In response to determining that the second location is less than the predefined distance from the location of the beacon device, the user computing device transmits a next in line status message indicating the location of the user computer device and a user identifier associated with the user computing device to a computing device associated with the beacon device.
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公开(公告)号：US20170255915A1
公开(公告)日：2017-09-07
申请号：US15447034
申请日：2017-03-01
Applicant: GOOGLE INC.
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.
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公开(公告)号：US20160012430A1
公开(公告)日：2016-01-14
申请号：US14797029
申请日：2015-07-10
Applicant: GOOGLE INC.
Inventor： Sashikanth Chandrasekaran , Thai Ngoc Duong , Denise Ho , William Hartley Setchell , Diana K. Smetters , Sheldon I. Walfish , Zhihong Xu
CPC classification number: G06Q20/385 , G06Q20/00 , G06Q20/02 , G06Q20/0457 , G06Q20/16 , G06Q20/327 , G06Q20/405
Abstract: A payment processing system receives a token from a user device. Based on the first token, the payment processing system establishes a second token that remains valid longer than the first token. The payment processing system then associates the second token with a user account identifier and establishes a rescue code for use in an offline user transactions. The payment processing system then communicates the second token and the rescue code to the user device. When the user engages in an offline transaction, the payment processing system receives the rescue code and the user account identifier from the merchant computing device. Based on the user account identifier received from the merchant computing devices, the payment processing system identifies the second token and verifies that the received rescue code matches the rescue code associated with the user account identifier. Based on the verification, the payment processing system authorizes the sales transaction.
Abstract translation: 支付处理系统从用户设备接收令牌。 基于第一令牌，支付处理系统建立第二令牌，其比第一令牌保持有效。 然后，支付处理系统将第二令牌与用户帐户标识符相关联，并建立用于在离线用户交易中使用的救援代码。 支付处理系统然后将第二令牌和救援代码传送给用户设备。 当用户参与离线交易时，支付处理系统从商家计算设备接收救援代码和用户帐户标识符。 基于从商家计算设备接收到的用户帐户标识符，支付处理系统识别第二令牌并且验证所接收到的救援代码是否与与用户帐户标识符相关联的救援代码相匹配。 根据验证，支付处理系统授权销售交易。
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公开(公告)号：US20160012423A1
公开(公告)日：2016-01-14
申请号：US14540036
申请日：2014-11-12
Applicant: GOOGLE INC.
Inventor： Varouj Chitilian , Sashikanth Chandrasekaran , Denise Ho , Zhihong Xu , William Hartley Setchell , Phalachandra Sreepada Bhat
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。
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