HANDS-FREE TRANSACTIONS WITH A TRANSACTION CONFIRMATION REQUEST

摘要

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.

主权项

1. A computer-implemented method for hands-free transactions, comprising:
receiving, by the one or more computing devices, a communication from a user computing device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier received by the user computing device from a merchant device associated with a merchant computing system, the token having been created by the user computing device in response to the user computing device receiving the beacon identifier from the merchant device; communicating, by the one or more computing devices, the first transaction token to the merchant computing system associated with the beacon identifier; receiving, by the one or more computing devices and from the merchant computing system, a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request, the first transaction token having been associated with the transaction data by the merchant computing system; determining, by the one or more computing devices, based on the transaction data that the transaction is for an amount greater than a configured transaction limit for hands-free transactions associated with the user account; communicating, by the one or more computing devices and to the user computing device, a request for an authorization of the transaction in response to determining that the transaction is for an amount greater than the configured transaction limit for hands-free transactions associated with the user account; receiving, by the one or more computing devices and from the user computing device, the authorization of the transaction, the authorization comprising a second transaction token; and conducting, by the one or more computing devices, the transaction between the user account and the merchant system in response to receiving the authorization and based on the second transaction token.