HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE

• US 20160012426A1
• 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, Ho, Denise, Xu, Zhihong, Lee, Johnie, Adiddam, Pramod, Palczewski, Michal
• Application Number:
  US14/540,034
• Publication Number:
  US 20160012426A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/4097 using mutual authentication between devices and transaction partners
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G10L 15/08 Speech classification or search

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.

Claims

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

transmitting, by a merchant system computing device, a beacon via a wireless communication, the beacon comprising a beacon identifier;

receiving, by the merchant system computing device, a plurality of transaction tokens generated by a plurality of user computing devices associated with a plurality of user accounts, each user computing device having received the beacon from the merchant system computing device;

identifying, by the merchant system computing device, a product for purchase from a particular user;

providing, by the merchant system computing device, a display of a challenge to issue to the particular user;

receiving, by the merchant system computing device, an input of a challenge response based on a response provided by the particular user;

providing, by the merchant system computing device to a merchant system operator associated with the merchant system, a display of one or more of the plurality of user accounts that are associated with the received challenge response;

receiving, by the merchant system computing device, an input from the merchant system operator, the input providing a selection of a particular user account displayed by the merchant system computing device and associated with the particular user; and

communicating, by the merchant system computing device and to a payment processing system, a transaction request, the transaction request comprising transaction details and a particular transaction token associated with the particular user account.

2. The computer-implemented method of claim 1, wherein the challenge response comprises initials of the particular user.

3. The computer-implemented method of claim 1, wherein providing a display of one or more of the plurality of user accounts that are associated with the received challenge response comprises presenting, by the merchant system computing device, a display of a picture associated with each user associated with the one or more of the plurality of user accounts that are associated with the challenge response.

4. The computer-implemented method of claim 3, wherein the input from the merchant system operator is based on a selection of the particular user account based on the presented picture of the particular user.

5. The computer-implemented method of claim 1, wherein the challenge response comprises an alphanumeric code.

6. The computer-implemented method of claim 1, wherein the merchant system operator inputs the selection of the particular user account via a user interface on the merchant system computing device.

7. The computer-implemented method of claim 1, wherein the transaction token provides an authorization to the merchant system computing device to conduct a transaction with the user account within a scope provided by the transaction token.

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, the computer-readable program instructions comprising;

computer-readable program instructions to receive a plurality of transaction tokens generated by a plurality of user computing devices associated with a plurality of user accounts, each user computing device having received a beacon from the merchant system computing device and generated its corresponding token in response thereto;

computer-readable program instructions to identify a product for purchase from a particular user;

computer-readable program instructions to receive an input of a challenge response, the challenge response being provided by the particular user;

computer-readable program instructions to provide to a merchant system operator associated with the merchant system, a display of one or more of the plurality of user accounts that are associated with the challenge response;

computer-readable program instructions to receive an input from the merchant system operator, the input providing a selection of a particular user account displayed by the merchant system computing device and associated with the particular user; and

computer-readable program instructions to communicate to a payment processing system, a transaction request, the transaction request comprising transaction details and a particular transaction token associated with the particular user account.

9. The computer program product of claim 8, wherein the challenge response comprises initials of the particular user.

10. The computer program product of claim 8, wherein providing a display of one or more of the plurality of user accounts that are associated with the received challenge response comprises presenting a display of a picture associated with each user associated with the one or more of the plurality of user accounts that are associated with the challenge response.

11. The computer program product of claim 10, wherein the input from the merchant system operator is based on a selection of the particular user account based on the presented picture of the particular user.

12. The computer program product of claim 8, wherein the challenge response comprises a numerical code.

13. The computer program product of claim 8, wherein the merchant system operator inputs the selection of the particular user account via a user interface on the merchant system computing device.

14. The computer program product of claim 8, wherein the transaction token provides an authorization to the merchant system computing device to conduct a transaction with the user account within a scope provided by the transaction token.

15. A system for 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;

receive a plurality of transaction tokens generated by a plurality of user computing devices associated with a plurality of user accounts, each user computing device having received a beacon from the system and generated its corresponding token in response thereto;

receive an input of a challenge response, the challenge response being provided by a particular user;

determine one or more of the plurality of user accounts that are associated with the challenge response;

present a display of the one or more of the plurality of user accounts that are associated with the received challenge response;

receive an input providing a selection of a particular user account associated with the particular user; and

communicate to a payment processing system a transaction request, the transaction request comprising transaction details and a particular transaction token associated with the particular user account.

16. The system of claim 15, wherein the challenge response comprises initials of the particular user.

17. The system of claim 15, wherein providing a display of one or more of the plurality of user accounts that are associated with the received challenge response comprises presenting a display of a picture associated with each user associated with the one or more of the plurality of user accounts that are associated with the challenge response.

18. The system of claim 17, wherein the input providing a selection of a particular user account is based on a selection of the particular user account based on the presented picture of the particular user.

19. The system of claim 15, wherein the challenge response comprises a numerical code.

20. The computer program product of claim 15, wherein the merchant system operator inputs the selection of the particular user account via a user interface on the merchant system computing device.