HANDS-FREE TRANSACTIONS
First Claim
1. A computer-implemented method to broadcast beacon signals to user computing devices and to receive, in response, data from users computing devices via intermediary processing systems without a required input of users, comprising:
- transmitting, by one or more computing devices associated with a merchant computing system, a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token;
receiving, by the one or more computing devices associated with the merchant computing system, a communication comprising a transaction token, the token comprising an identification of a user account associated with the user and being generated by the user computing device without input from the user in response to receiving the transmitted beacon signal;
receiving, by the one or more computing devices associated with a merchant computing system, an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction;
transmitting, by the one or more computing devices associated with a merchant computing system and to the payment processing system associated with a user account, a transaction request, the transaction request comprising the token and at least a portion of the transaction details; and
receiving, by the one or more computing devices associated with a merchant computing system, an authorization for the transaction request from the payment processing system based on the token provided in the transaction request.
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
26 Claims
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1. A computer-implemented method to broadcast beacon signals to user computing devices and to receive, in response, data from users computing devices via intermediary processing systems without a required input of users, comprising:
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transmitting, by one or more computing devices associated with a merchant computing system, a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token; receiving, by the one or more computing devices associated with the merchant computing system, a communication comprising a transaction token, the token comprising an identification of a user account associated with the user and being generated by the user computing device without input from the user in response to receiving the transmitted beacon signal; receiving, by the one or more computing devices associated with a merchant computing system, an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction; transmitting, by the one or more computing devices associated with a merchant computing system and to the payment processing system associated with a user account, a transaction request, the transaction request comprising the token and at least a portion of the transaction details; and receiving, by the one or more computing devices associated with a merchant computing system, an authorization for the transaction request from the payment processing system based on the token provided in the transaction request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. (canceled)
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10. (canceled)
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11. (canceled)
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12. (canceled)
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13. (canceled)
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14. (canceled)
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15. (canceled)
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16. A system to broadcast beacon signals to user computing devices and to receive, in response, data from the user computing devices via intermediary processing systems without a required input of the user, comprising:
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a merchant storage device; and a merchant processor communicatively coupled to the merchant storage device, wherein the merchant processor executes application code instructions that are stored in the storage device to cause the system to; transmit a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token; receive a communication comprising a transaction token, the token comprising an identification of a user account associated with the user and being generated by the user computing device without input from the user in response to receiving the transmitted beacon signal; receive an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction; transmit, to the payment processing system associated with a user account, a transaction request, the transaction request comprising the token and at least a portion of the transaction details; and receive an authorization for the transaction request from the payment processing system based on the token provided in the transaction request.. - View Dependent Claims (18, 19, 20)
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17. The system of claim 1614, further comprising application code instructions to cause the system to communicate a receipt for the transaction to the user computing device.
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21. A computer program product, comprising:
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a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to broadcast beacon signals to user computing devices and to receive, in response, data from the user computing devices via intermediary processing systems without a required input of the user, the computer-executable program instructions comprising; computer-executable program instructions to transmit a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token; computer-executable program instructions to receive a communication comprising a transaction token, the token comprising an identification of a user account associated with the user and being generated by the user computing device without input from the user in response to receiving the transmitted beacon signal; computer-executable program instructions to receive an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction; computer-executable program instructions to transmit, to the payment processing system associated with a user account, a transaction request, the transaction request comprising the token and at least a portion of the transaction details; and computer-executable program instructions to receive an authorization for the transaction request from the payment processing system based on the token provided in the transaction request. - View Dependent Claims (22, 23, 24, 25, 26)
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Specification