Hands-free transactions

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.

1 . A computer-implemented method to broadcast beacon signals to user computing devices and to receive, in response, data from users computing devices via intermediary processing systems without a required input of users, comprising:
 transmitting, by one or more computing devices associated with a merchant computing system, a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token;   receiving, by the one or more computing devices associated with the merchant computing system, a communication comprising a transaction token, the token comprising an identification of a user account associated with the user and being generated by the user computing device without input from the user in response to receiving the transmitted beacon signal;   receiving, by the one or more computing devices associated with a merchant computing system, an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction;   transmitting, by the one or more computing devices associated with a merchant computing system and to the payment processing system associated with a user account, a transaction request, the transaction request comprising the token and at least a portion of the transaction details; and   receiving, by the one or more computing devices associated with a merchant computing system, an authorization for the transaction request from the payment processing system based on the token provided in the transaction request.   
     
     
         2 . The computer-implemented method of  claim 1 , further comprising communicating, by the one or more computing devices associated with a merchant computing system, a receipt for the transaction to the user computing device. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein the one or more computing devices associated with a merchant computing system receives the beacon identifier from the payment processing system. 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the beacon identifier is transmitted, via a wireless communication, by a device associated with the one or more computing devices associated with a merchant computing system that is separate from the one or more computing devices associated with the merchant computing system. 
     
     
         5 . The computer-implemented method of  claim 1 , wherein the beacon identifier is received, via a wireless communication, by the user computing device from the merchant computing system computing device. 
     
     
         6 . The computer-implemented method of  claim 1 , wherein the transmitting step is performed via a Wi-Fi direct communication. 
     
     
         7 . The computer-implemented method of  claim 1 , wherein the transaction token provides an authorization to the one or more computing devices associated with the merchant computing system to conduct a transaction with the user account. 
     
     
         8 . The computer-implemented method of  claim 1 , wherein transmitting step is performed via a Wi-Fi communication or a BLUETOOTH communication. 
     
     
         9 . (canceled) 
     
     
         10 . (canceled) 
     
     
         11 . (canceled) 
     
     
         12 . (canceled) 
     
     
         13 . (canceled) 
     
     
         14 . (canceled) 
     
     
         15 . (canceled) 
     
     
         16 . A system to broadcast beacon signals to user computing devices and to receive, in response, data from the user computing devices via intermediary processing systems without a required input of the user, comprising:
 a merchant storage device; and   a merchant processor communicatively coupled to the merchant storage device, wherein the merchant processor executes application code instructions that are stored in the storage device to cause the system to:
 transmit a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token; 
 receive a communication comprising a transaction token, the token comprising an identification of a user account associated with the user and being generated by the user computing device without input from the user in response to receiving the transmitted beacon signal; 
 receive an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction; 
 transmit, to the payment processing system associated with a user account, a transaction request, the transaction request comprising the token and at least a portion of the transaction details; and 
 receive an authorization for the transaction request from the payment processing system based on the token provided in the transaction request.. 
   
     
     
         17 . The system of claim  1614 , further comprising application code instructions to cause the system to communicate a receipt for the transaction to the user computing device. 
     
     
         18 . The system of  claim 16 , wherein the processor receives the beacon identifier from the payment processing system. 
     
     
         19 . The system of  claim 16 , wherein the beacon identifier is transmitted, via a wireless communication, by a device associated with the merchant processor that is separate from the merchant processor. 
     
     
         20 . The system of  claim 16 , wherein the beacon identifier is received, via a wireless communication, by the user computing device from the processor. 
     
     
         21 . A computer program product, comprising:
 a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to broadcast beacon signals to user computing devices and to receive, in response, data from the user computing devices via intermediary processing systems without a required input of the user, the computer-executable program instructions comprising:   computer-executable program instructions to transmit a beacon signal comprising a beacon identifier to a user computing device associated with a user, the beacon signal comprising information suitable to allow the user computing device to generate a token;   computer-executable program instructions to receive a communication comprising a transaction token, the token comprising an identification of a user account associated with the user and being generated by the user computing device without input from the user in response to receiving the transmitted beacon signal;   computer-executable program instructions to receive an input specifying transaction details for a pending transaction and a selection of the token to associate with the transaction;   computer-executable program instructions to transmit, to the payment processing system associated with a user account, a transaction request, the transaction request comprising the token and at least a portion of the transaction details; and   computer-executable program instructions to receive an authorization for the transaction request from the payment processing system based on the token provided in the transaction request.   
     
     
         22 . The computer program product of  claim 21 , further comprising computer- executable program instructions to communicate a receipt for the transaction to the user computing device. 
     
     
         23 . The computer program product of  claim 21 , wherein the computer receives the beacon identifier from the payment processing system. 
     
     
         24 . The computer program product of  claim 21 , wherein the beacon identifier is transmitted, via a wireless communication, by a device associated with the non-transitory computer-readable storage device that is separate from the non-transitory computer-readable storage device. 
     
     
         25 . The computer program product of  claim 21 , wherein the beacon identifier is received, via a wireless communication, by the user computing device from the merchant computing system computing device. 
     
     
         26 . The computer program product of  claim 21 , wherein the beacon is transmitted via a Wi-Fi direct communication.