Hands-free transactions with voice recognition

US12039522B2 · kind B2 · utility

Assignee

• Google LLC · US

Inventors

• Varouj Chitilian · Hillsborough, US
• Sashikanth Chandrasekaran · Palo Alto, US
• Denise Ho · Los Altos, US
• Zhihong Xu · Sunnyvale, US
• William Setchell · Mendota, US
• Phalachandra Sreepada Bhat · Palo Alto, US

Key dates

• Filing date: Feb 6, 2023
• Grant date: Jul 16, 2024
• Expiry date: Feb 6, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/425
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.