Patents by Inventor Phalachandra Sreepada Bhat
Phalachandra Sreepada Bhat has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20230186282Abstract: 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.Type: ApplicationFiled: February 6, 2023Publication date: June 15, 2023Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Denise Ho, Zhihong Xu, William Hartley Setchell, Phalachandra Sreepada Bhat
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Patent number: 11574301Abstract: 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.Type: GrantFiled: May 31, 2019Date of Patent: February 7, 2023Assignee: GOOGLE LLCInventors: Varouj Chitilian, Sashikanth Chandrasekaran, Denise Ho, Zhihong Xu, William Hartley Setchell, Phalachandra Sreepada Bhat
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Publication number: 20200234272Abstract: An application on a user computing device receives a beacon identifier from a service computing device, generates a first service request token, and transmits the first service request token to the service computing device. The application on the user computing device transmits a first communication comprising the first service request token, an account identifier, and the beacon identifier to a service request processing system. The service request processing system receives, from a service computing device, a request comprising the first service request token and the service request data. The service request processing system determines that the service request exceeds a configured service request limit, communicates, to the application on the user computing device, a request for an authorization of the service request, and receives an authorization for the service request from the application on the user computing device, and processes the service request in response to receiving the authorization.Type: ApplicationFiled: January 2, 2019Publication date: July 23, 2020Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Johnie Lee, Yangui Tao, Denise Ho, Phalachandra Sreepada Bhat, Loretta Hui
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Publication number: 20200226583Abstract: The examples enable a process to be initiated with a machine-readable code, such as a QR code. A user computing device receives an input to initiate the camera module at a time of an interaction with a third party. The user device receives a digital image from the camera module, the digital image comprising a machine-readable code. The user device extracts data from the machine-readable code, such as an identification of the third party, a third party account, and a specific record to be transferred. The user device communicates to a processing system, the extracted data, data associated with a user device, and a request to communicate the record to the third party. In certain examples the method enables the processing to be completed with no other input required of the user than scanning of the machine-readable code.Type: ApplicationFiled: June 7, 2018Publication date: July 16, 2020Inventor: Phalachandra Sreepada Bhat
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Publication number: 20190287097Abstract: 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.Type: ApplicationFiled: May 31, 2019Publication date: September 19, 2019Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Denise Ho, Zhihong Xu, William Hartley Setchell, Phalachandra Sreepada Bhat
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Publication number: 20170221065Abstract: 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.Type: ApplicationFiled: April 20, 2017Publication date: August 3, 2017Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Johnie Lee, William Hartley Setchell, Phalachandra Sreepada Bhat, Yangui Tao
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Patent number: 9652759Abstract: 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.Type: GrantFiled: November 12, 2014Date of Patent: May 16, 2017Assignee: GOOGLE INC.Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Johnie Lee, William Hartley Setchell, Phalachandra Sreepada Bhat, Yangui Tao
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Publication number: 20160012414Abstract: 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.Type: ApplicationFiled: November 12, 2014Publication date: January 14, 2016Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Johnie Lee, William Hartley Setchell, Phalachandra Sreepada Bhat, Yangui Tao
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Publication number: 20160012423Abstract: 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.Type: ApplicationFiled: November 12, 2014Publication date: January 14, 2016Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Denise Ho, Zhihong Xu, William Hartley Setchell, Phalachandra Sreepada Bhat
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Publication number: 20160012422Abstract: 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.Type: ApplicationFiled: November 12, 2014Publication date: January 14, 2016Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Johnie Lee, Yangui Tao, Denise Ho, Phalachandra Sreepada Bhat, Loretta Hui