HANDS-FREE TRANSACTIONS USING BEACON IDENTIFIERS
First Claim
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 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 to conduct hands-free transactions, comprising:
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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. - 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 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. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system to conduct 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; 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. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification