WO2016007445A8 - Hands-free transactions - Google Patents

Hands-free transactions Download PDF

Info

Publication number
WO2016007445A8
WO2016007445A8 PCT/US2015/039275 US2015039275W WO2016007445A8 WO 2016007445 A8 WO2016007445 A8 WO 2016007445A8 US 2015039275 W US2015039275 W US 2015039275W WO 2016007445 A8 WO2016007445 A8 WO 2016007445A8
Authority
WO
WIPO (PCT)
Prior art keywords
computing device
transaction
hands
token
processing system
Prior art date
Application number
PCT/US2015/039275
Other languages
French (fr)
Other versions
WO2016007445A1 (en
Inventor
Varouj Chitilian
Sashikanth Chandrasekaran
Johnie LEE
William Hartley SETCHELL
Phalachandra Sreepada BHAT
Yangui TAO
Thai Ngoc DUONG
Andrew Ames BUNNER
Mohammed Waleed Kadous
Marc Stogaitis
Thomas Yuchin CHAO
Alan Lee GARDNER, III
Joseph Allen Anthony FARFEL
Zhihong Xu
Pramod Adiddam
Original Assignee
Google Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US14/540,004 external-priority patent/US20160012421A1/en
Application filed by Google Inc. filed Critical Google Inc.
Publication of WO2016007445A1 publication Critical patent/WO2016007445A1/en
Publication of WO2016007445A8 publication Critical patent/WO2016007445A8/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

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.
PCT/US2015/039275 2014-07-11 2015-07-06 Hands-free transactions WO2016007445A1 (en)

Applications Claiming Priority (10)

Application Number Priority Date Filing Date Title
US201462023739P 2014-07-11 2014-07-11
US62/023,739 2014-07-11
US14/540,004 US20160012421A1 (en) 2014-07-11 2014-11-12 Hands-free transactions using beacon identifiers
US14/539,997 2014-11-12
US14/540,009 2014-11-12
US14/540,004 2014-11-12
US14/540,001 US10460317B2 (en) 2014-07-11 2014-11-12 Hands-free transaction tokens via payment processor
US14/540,001 2014-11-12
US14/540,009 US10185960B2 (en) 2014-07-11 2014-11-12 Hands-free transactions verified by location
US14/539,997 US9652759B2 (en) 2014-07-11 2014-11-12 Hands-free transactions

Publications (2)

Publication Number Publication Date
WO2016007445A1 WO2016007445A1 (en) 2016-01-14
WO2016007445A8 true WO2016007445A8 (en) 2016-03-17

Family

ID=53773519

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2015/039275 WO2016007445A1 (en) 2014-07-11 2015-07-06 Hands-free transactions

Country Status (1)

Country Link
WO (1) WO2016007445A1 (en)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20160012422A1 (en) 2014-07-11 2016-01-14 Google Inc. Hands-free transactions with a transaction confirmation request
US10460317B2 (en) 2014-07-11 2019-10-29 Google Llc Hands-free transaction tokens via payment processor
WO2017147315A1 (en) * 2016-02-23 2017-08-31 Google Inc. Identifying user device status via rotating codes broadcast by a beacon device
JP6771564B2 (en) * 2016-03-01 2020-10-21 グーグル エルエルシー Prefetching face templates and tokens in hands-free service requests
CN108780477B (en) 2016-03-01 2022-10-21 谷歌有限责任公司 Facial profile modification for hands-free transactions
KR102381224B1 (en) * 2016-03-04 2022-04-01 비자 인터내셔날 써비스 어쏘시에이션 Midrange reader interactions
KR20210125616A (en) 2016-07-31 2021-10-18 구글 엘엘씨 Automatic hands free service requests

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070084913A1 (en) * 2005-10-18 2007-04-19 Capital One Financial Corporation Systems and methods for authorizing a transaction for a financial account
US7930249B2 (en) * 2007-07-11 2011-04-19 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument
US8645213B2 (en) * 2010-01-15 2014-02-04 Ebay, Inc. Transactions associated with a mobile device
US10380570B2 (en) * 2011-05-02 2019-08-13 Ondot System, Inc. System and method for secure communication for cashless transactions

Also Published As

Publication number Publication date
WO2016007445A1 (en) 2016-01-14

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