HANDS-FREE TRANSACTIONS VERIFIED BY LOCATION

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 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.

主权项

1. A computer-implemented method for hands-free transactions, comprising:
storing on a database, by the one or more computing devices, a beacon identifier for each of one or more merchant computing devices associated with one or more merchant computing systems; storing on the database, by the one or more computing devices, a location of each of the one or more merchant computing systems, each location being associated with a corresponding beacon identifier for the corresponding merchant computing system; receiving, by the one or more computing devices, a communication from a user computing device, the communication comprising a beacon identifier received by the user computing device via a wireless communication from a merchant computing device associated with a particular merchant computing system and a location of the user computing device at a time when the user computing device received the beacon identifier from the merchant computing device; comparing, by the one or more computing devices, the received beacon identifier of the particular merchant computing system to beacon identifiers stored in the database; identifying in the database, by the one or more computing devices, the particular merchant computing system associated with the beacon identifier and the location of the particular merchant; comparing, by the one or more computing devices, the location of the user computing device to the identified location of the particular merchant; determining, by the one or more computing devices, that the location of the user computing device matches the identified location of the particular merchant computing system; and communicating, by the one or more computing devices, the determination that the location of the user computing device matches the identified location of the particular merchant computing system to the user computing device.