HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE

• US 20190266598A1
• Filed: 05/08/2019
• Published: 08/29/2019
• Est. Priority Date: 07/11/2014
• Status: Abandoned Application

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google LLC (Alphabet Inc.)
• Inventors: Chitilian, Varouj, Chandrasekaran, Sashikanth, Lee, Johnie, Ho, Denise, Adiddam, Pramod, Xu, Zhihong, Palczewski, Michal
• Application Number:
  US16/407,133
• Publication Number:
  US 20190266598A1
• Time in Patent Office: Days
• 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

1-20. -20. (canceled)

21. A computer-implemented method to conduct hands-free transactions based on challenge responses, comprising:

by a merchant system computing device,

transmitting a beacon, wherein the beacon comprises an identifier associated with the merchant system computing device;

receiving a transaction token from a user computing device associated with a particular user and a particular user account;

displaying a challenge to a merchant system operator;

receiving an input of a challenge response to the displayed challenge provided by the particular user;

displaying, to the merchant system operator, one or more user accounts of the plurality of user accounts that are associated with the received challenge response;

receiving an input providing a selection of a particular user account from the one or more user accounts; and

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

22. The computer-implemented method of claim 21, comprising:

by the user computing device,

receiving the beacon from the merchant system computing device;

extracting the identifier from the beacon;

approving the merchant system computing device based on a comparison of the extracted identifier with merchant data stored on the user computing device;

in response to the approval of the merchant system computing device, generating the transaction token; and

transmitting the transaction token to the merchant system computing device.

23. The computer-implemented method of claim 21 wherein the transaction token comprises a picture of the particular user.

24. The computer-implemented method of claim 23, wherein the input received by the merchant system computing device is based on a selection of the particular user account based on the picture of the particular user.

25. The computer-implemented method of claim 21, wherein the challenge response comprises initials of the particular user that are associated with the particular user account.

26. The computer-implemented method of claim 21, wherein the challenge response comprises a configured challenge response that is associated with the particular user account.

27. The computer-implemented method of claim 21, wherein the merchant system computing device receives an input of the selection of the particular user account via a user interface on the merchant system computing device.

28. The computer-implemented method of claim 21, wherein the transaction token represents an authorization to conduct the transaction between the merchant system computing device and the particular user account.

29. A computer program product, comprising:

a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to conduct hands-free transactions, the computer-executable program instructions comprising instructions to;

transmit a beacon, wherein the beacon comprises an identifier associated with the merchant system computing device;

receive a transaction token from a user computing device associated with a particular user and a particular user account;

display a challenge to a merchant system operator;

receive an input of a challenge response to the displayed challenge provided by the particular user;

display, to the merchant system operator, one or more user accounts 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 from the one or more user accounts; and

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

30. The computer program product of claim 29 wherein the transaction token comprises a picture of the particular user.

31. The computer program product of claim 30, wherein the input received by the merchant system computing device is based on a selection of the particular user account based on the picture of the particular user.

32. The computer program product of claim 29, wherein the challenge response comprises initials of the particular user that are associated with the particular user account.

33. The computer program product of claim 29, wherein the challenge response comprises a configured challenge response that is associated with the particular user account.

34. The computer program product of claim 29, wherein the merchant system computing device receives an input of the selection of the particular user account via a user interface on the merchant system computing device.

35. The computer program product of claim 29, wherein the transaction token represents an authorization to conduct the transaction between the merchant system computing device and the particular user account.

36. 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 processor to;

transmit a beacon, wherein the beacon comprises an identifier associated with the merchant system computing device;

receive a transaction token from a user computing device associated with a particular user and a particular user account;

display a challenge to a merchant system operator;

receive an input of a challenge response to the displayed challenge provided by the particular user;

display, to the merchant system operator, one or more user accounts 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 from the one or more user accounts; and

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

37. The system of claim 36 wherein the transaction token comprises a picture of the particular user.

38. The system of claim 37, wherein the input received by the merchant system computing device is based on a selection of the particular user account based on the picture of the particular user.

39. The computer program product of claim 36, wherein the challenge response comprises initials of the particular user that are associated with the particular user account or a configured challenge response that is associated with the particular user account.

40. The computer program product of claim 36, wherein the merchant system computing device receives an input of the selection of the particular user account via a user interface on the merchant system computing device.