Google Inc.

Johnie Lee

Sashikanth Chandrasekaran

Varouj Armen Chitilian

Thai Duong

William Hartley Setchell

Pramod Adiddam

Phalachandra Sreepada Bhat

Titia Tin Yee Wong

Yangui Tao

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.

Hands-free transaction tokens via payment processor

Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant. The computing device can enable merchant-specific features, such as offers, rewards, loyalty information, and other incentives that are applicable to the identified merchant. The bi-directional communication between the devices permits the computing device to transmit these identified incentives to the merchant terminal. The merchant terminal can then adjust the purchase price. The computing device can also enable a merchant-specific financial instrument and can communicate the identity of the merchant to a management system. The management system can establish a network connection with the merchant to provide larger amounts of data that would otherwise exceed the limited bandwidth of the proximity connection used to establish the secure communication channel between the computing device and the merchant terminal.

Merchant-specific functionality services

Hands-free transactions verified by location

Hands-free transactions

Growing community of inventors

Mountain View, CA, United States of America

Johnie Lee