HANDS-FREE TRANSACTIONS VERIFIED BY LOCATION
First Claim
1. A computer-implemented method for hands-free transactions, comprising:
- storing on a database, by the one or more computing devices, a beacon identifier for each of one or more merchant computing devices associated with one or more merchant computing systems;
storing on the database, by the one or more computing devices, a location of each of the one or more merchant computing systems, each location being associated with a corresponding beacon identifier for the corresponding merchant computing system;
receiving, by the one or more computing devices, a communication from a user computing device, the communication comprising a beacon identifier received by the user computing device via a wireless communication from a merchant computing device associated with a particular merchant computing system and a location of the user computing device at a time when the user computing device received the beacon identifier from the merchant computing device;
comparing, by the one or more computing devices, the received beacon identifier of the particular merchant computing system to beacon identifiers stored in the database;
identifying in the database, by the one or more computing devices, the particular merchant computing system associated with the beacon identifier and the location of the particular merchant;
comparing, by the one or more computing devices, the location of the user computing device to the identified location of the particular merchant;
determining, by the one or more computing devices, that the location of the user computing device matches the identified location of the particular merchant computing system; and
communicating, by the one or more computing devices, the determination that the location of the user computing device matches the identified location of the particular merchant computing system to the user computing device.
2 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A computer-implemented method for hands-free transactions, comprising:
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storing on a database, by the one or more computing devices, a beacon identifier for each of one or more merchant computing devices associated with one or more merchant computing systems; storing on the database, by the one or more computing devices, a location of each of the one or more merchant computing systems, each location being associated with a corresponding beacon identifier for the corresponding merchant computing system; receiving, by the one or more computing devices, a communication from a user computing device, the communication comprising a beacon identifier received by the user computing device via a wireless communication from a merchant computing device associated with a particular merchant computing system and a location of the user computing device at a time when the user computing device received the beacon identifier from the merchant computing device; comparing, by the one or more computing devices, the received beacon identifier of the particular merchant computing system to beacon identifiers stored in the database; identifying in the database, by the one or more computing devices, the particular merchant computing system associated with the beacon identifier and the location of the particular merchant; comparing, by the one or more computing devices, the location of the user computing device to the identified location of the particular merchant; determining, by the one or more computing devices, that the location of the user computing device matches the identified location of the particular merchant computing system; and communicating, by the one or more computing devices, the determination that the location of the user computing device matches the identified location of the particular merchant computing system to the user computing device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer program product, comprising:
a non-transitory computer-readable storage device having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to conduct hands-free transactions, comprising; computer-readable program instructions to receive a beacon transmission from a computing device associated with a merchant computing system, the beacon transmission comprising a wireless communication; computer-readable program instructions to identify a beacon identifier in the beacon transmission; computer-readable program instructions to determine a location of the non-transitory computer-readable storage device at a time when the user computing device received the beacon identifier from the merchant computing device; computer-readable program instructions to compare the received beacon identifier to beacon identifiers stored in a database of one or more beacon identifiers associated with one or more merchant computing systems; computer-readable program instructions to identify the beacon identifier as being associated with a particular merchant computing system; computer-readable program instructions to identify a location of the particular merchant computing system from the database of one or more beacon identifiers associated with one or more merchant computing systems; computer-readable program instructions to compare the location of the non-transitory computer-readable storage device to the location of the particular merchant computing system; computer-readable program instructions to determine that the location of the non-transitory computer-readable storage device and the location of the particular merchant computing system match; and computer-readable program instructions to create a token, the token comprising an authorization from the user computing device to conduct a transaction using the user account. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system for hands-free transactions, comprising:
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a storage device; and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to; store on a database a beacon identifier for each of one or more merchant computing devices associated with one or more merchant computing systems; store on the database a location of each of the one or more merchant computing systems, each location being associated with a corresponding beacon identifier for the corresponding merchant computing system; receive a communication from a hands-free payment application on a user computing device, the communication comprising a beacon identifier received by the user computing device via a wireless communication from a device associated with a particular merchant computing system and a location of the user computing device at a time when the user computing device received the beacon identifier from the merchant computing device; compare the received beacon identifier of the particular merchant computing system to beacon identifiers stored in the database; identify, in the database, the particular merchant computing system associated with the beacon identifier and the location of the particular merchant; compare the location of the user computing device to the identified location of the particular merchant; determine that the location of the user computing device matches the identified location of the particular merchant computing system; generate a transaction token based on the determination of the match; communicate the token to the particular merchant computing system; and communicate the determination that the location of the user computing device matches the identified location of the particular merchant computing system to the user computing device. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification