HANDS-FREE TRANSACTION TOKENS VIA PAYMENT PROCESSOR

• US 20160012420A1
• Filed: 11/12/2014
• Published: 01/14/2016
• Est. Priority Date: 07/11/2014
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Chitilian, Varouj, Chandrasekaran, Sashikanth, Lee, Johnie, Duong, Thai Ngoc
• Granted Patent: US 10,460,317 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography

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.

Claims

1. A computer-implemented method to conduct hands-free transactions, comprising:

providing, by one or more computing devices, a beacon identifier to a merchant computing device associated with a merchant computing system;

receiving, by the one or more computing devices, a communication from a user computing device, the communication comprising a transaction token, an identification of a user account associated with a user, and the beacon identifier received by the user computing device via a wireless communication from a device associated with the merchant computing system;

transmitting, by the one or more computing devices, the transaction token to the merchant computing system computing device;

receiving, by the one or more computing devices and from the merchant computing system computing device, a transaction request, the transaction request comprising the token and transaction data associated with a purchase transaction;

verifying, by the one or more computing devices, that the token received from the merchant computing system computing device matches the token received from the hands-free payment application on the user computing device; and

authorizing, by the one or more computing devices, the transaction between the user account and the merchant computing system based on the received token and transaction request.

2. The computer-implemented method of claim 1, further comprising providing, by the one or more computing devices, a hands-free payment application to the user computing device and the merchant computing device.

3. The computer-implemented method of claim 1, wherein the token comprises a time after which the token is not usable in a transaction, and the method further comprises verifying, by the one or more computing devices, that a current time is not later than the time after which the token is not usable in a transaction.

4. The computer-implemented method of claim 1, wherein the beacon identifier is received, via a wireless communication, by the user computing device from a separate device associated with the merchant computing system computing device.

5. The computer-implemented method of claim 1, wherein the beacon identifier is received, via a wireless communication, by the user computing device from the merchant computing system computing device.

6. The computer-implemented method of claim 4, wherein the wireless communication is a Wi-Fi direct communication.

7. The computer-implemented method of claim 1, wherein the token provides an authorization to the one or more computing devices to conduct a transaction with the user account.

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 provide a beacon identifier to a merchant computing device associated with a merchant computing system;

computer-readable program instructions to receive a communication from 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 computing system;

computer-readable program instructions to transmit the transaction token to the merchant computing system computing device;

computer-readable program instructions to receive from the merchant computing system computing device, a transaction request, the transaction request comprising the token and transaction data associated with the purchase transaction; and

computer-readable program instructions to authorize the transaction between the user account and the merchant computing system based on the received token and transaction request.

9. The computer program product of claim 8, further comprising computer-readable program instructions to provide a hands-free payment application to the user computing device and the merchant computing device.

10. The computer program product of claim 8, wherein the token comprises a time after which the token is not usable in a transaction, and further comprising computer-readable program instructions to verify that a current time is not later than the time after which the token is not usable in a transaction.

11. The computer program product of claim 8, wherein the beacon identifier is received, via a wireless communication, by the user computing device from a separate device associated with the merchant computing system computing device.

12. The computer program product of claim 8, wherein the beacon identifier is received, via a wireless communication, by the user computing device from the merchant computing system computing device.

13. The computer program product of claim 11, wherein the wireless communication is a Wi-Fi direct communication.

14. The computer program product of claim 11, wherein the token provides an authorization to the non-transitory computer-readable storage device to conduct a transaction with the user account.

15. A system to conduct hands-free transactions, comprising:

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;

provide a beacon identifier to a merchant computing device associated with a merchant computing system;

receive a communication from 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 computing system;

transmit the transaction token to the merchant computing system computing device;

receive from the merchant computing system computing device, a transaction request, the transaction request comprising the token and transaction data associated with the purchase transaction; and

authorize the transaction between the user account and the merchant computing system based on the received token and transaction request.

16. The system of claim 15, further comprising application code instructions to cause the system to verify that the token received from the merchant computing system computing device matches the token received from the hands-free payment application on the user computing device.

17. The system of claim 15, wherein the token comprises a time after which the token is not usable in a transaction, and further comprising application code instructions to verify that a current time is not later than the time after which the token is not usable in a transaction.

18. The system of claim 15, wherein the beacon identifier is received, via a wireless communication, by the user computing device from a separate device associated with the merchant computing system computing device.

19. The system of claim 15, wherein the beacon identifier is received, via a wireless communication, by the user computing device from the merchant computing system computing device.

20. The system of claim 15, wherein the token provides an authorization to the processor to conduct a transaction with the user account.