HANDS-FREE TRANSACTIONS USING BEACON IDENTIFIERS

• US 20160012421A1
• Filed: 11/12/2014
• Published: 01/14/2016
• Est. Priority Date: 07/11/2014
• Status: Abandoned Application

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Chitilian, Varouj, Chandrasekaran, Sashikanth, Bunner, Andrew Ames, Kadous, Mohammed Waleed, Stogaitis, Marc, Chao, Thomas Yuchin, Gardner, Alan Lee III, Farfel, Joseph Allen Anthony, Xu, Zhihong
• Application Number:
  US14/540,004
• Publication Number:
  US 20160012421A1
• 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 postage metering system using cryptography G06Q2250/05

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 the 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 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 computing system;

comparing, by the one or more computing devices, the beacon identifier to a database of one or more beacon identifiers associated with one or more merchant computing systems;

verifying, by the one or more computing devices, the beacon identifier as being associated with a particular merchant computing system;

transmitting, by the one or more computing devices, the verification of the particular merchant computing system to the user computing device; and

transmitting, by the one or more computing devices, the transaction token to the verified particular merchant computing system computing device to allow the verified particular merchant computing system to conduct a transaction with the user account.

2. The computer-implemented method of claim 1, wherein the beacon identifier is a service set identifier.

3. The computer-implemented method of claim 1, wherein beacon identifier is transmitted via a Wi-Fi direct communication.

4. The computer-implemented method of claim 1, wherein the database is stored on a third party storage location that is separate from the payment processing system and the user 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 a separate device associated with the merchant computing system computing device.

6. 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.

7. The computer-implemented method of claim 1, wherein the database utilizes an input from the user to limit the merchant computing systems that are stored on the database.

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 compare the beacon identifier to a database of one or more beacon identifiers associated with one or more verified merchant computing systems;

computer-readable program instructions to verify the beacon identifier as being associated with a particular merchant computing system; 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.

9. The computer program product of claim 8, further comprising computer-readable program instructions to transmit the token to a payment processing system associated with a user account.

10. The computer program product of claim 8, wherein the token comprises a time after which the token is not usable in a transaction.

11. The computer program product of claim 8, wherein the beacon identifier is a service set identifier.

12. The computer program product of claim 8, wherein is transmitted via a Wi-Fi direct communication.

13. The computer program product of claim 8, wherein the database is stored on a third party storage location that is separate from a payment processing system and the user computing device.

14. The computer program product of claim 11, wherein the database utilizes an input from the user to limit the merchant computing systems that are stored on the database.

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 hands-free payment application on a user computing device, the communication comprising 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;

compare the beacon identifier to a database of one or more beacon identifiers associated with one or more merchant computing systems;

verify the beacon identifier as being associated with a particular merchant computing system;

generate a transaction token associated with the user account upon verifying the beacon identifier as being associated with the particular merchant computing system;

transmit the verification of the verified particular merchant computing system to the user computing device; and

transmit the transaction token to the verified particular merchant computing system computing device to allow the merchant computing system to conduct a transaction with the user account.

16. The system of claim 15, wherein the beacon identifier is a service set identifier.

17. The system of claim 15, wherein the wireless communication is a Wi-Fi direct communication.

18. 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.

19. The system of claim 15, wherein the database utilizes an input from the user to limit the merchant computing systems that are stored on the database.

20. The system of claim 15, wherein the database is stored on a third party storage location that is separate from a payment processing system and the user computing device.