Patents by Inventor William Hartley Setchell
William Hartley Setchell 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: 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: 20160012430Abstract: A payment processing system receives a token from a user device. Based on the first token, the payment processing system establishes a second token that remains valid longer than the first token. The payment processing system then associates the second token with a user account identifier and establishes a rescue code for use in an offline user transactions. The payment processing system then communicates the second token and the rescue code to the user device. When the user engages in an offline transaction, the payment processing system receives the rescue code and the user account identifier from the merchant computing device. Based on the user account identifier received from the merchant computing devices, the payment processing system identifies the second token and verifies that the received rescue code matches the rescue code associated with the user account identifier. Based on the verification, the payment processing system authorizes the sales transaction.Type: ApplicationFiled: July 10, 2015Publication date: January 14, 2016Inventors: Sashikanth Chandrasekaran, Thai Ngoc Duong, Denise Ho, William Hartley Setchell, Diana K. Smetters, Sheldon I. Walfish, Zhihong Xu
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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: 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