Systems and methods for completing payment transactions initiated through a first device using a second device
AssigneeAdeia Guides Inc.
InventorsGyanveer Singh, Reda Harb
Life of this patent
Estimating the term…
Abstract
A payment transaction is initiated for a user, based on a voice command, on a public voice-activated device. A user device associated with the user is identified. A transaction identifier is generated and transmitted to the identified user device. Once the user has entered their banking or credit card information to use for payment, a payment token is received from the user device. The transaction is then completed using the payment token. The payment token may be generated from a local digital wallet on the user device, or from a server-based digital wallet.
Claims20
A method, performed by a mobile device, the method comprising:
- receiving, from one or more servers, a transaction identifier for a transaction, wherein the transaction identifier is transmitted to the mobile device based at least in part on a voice command uttered by a user associated with the mobile device, wherein the voice command is received at a voice assistant client device, and wherein the voice assistant client device is proximate to the mobile device;
- authenticating the user of the mobile device with respect to a digital wallet stored locally on the mobile device;
- generating, based at least in part on the authenticating, an encrypted digital token comprising payment details for performing the transaction, wherein the mobile device generates the encrypted digital token based at least in part on the digital wallet and an encryption key related to a service provider associated with the transaction;
- and
- transmitting the encrypted digital token and the transaction identifier to the service provider associated with the transaction, wherein the service provider decrypts the encrypted digital token to complete the transaction using the payment details.
A system comprising:
- input/output (I/O) circuitry of the mobile device, wherein the I/O circuitry is configured to:
- receive, from one or more servers, a transaction identifier for a transaction, wherein the transaction identifier is transmitted to the mobile device based at least in part on a voice command uttered by a user associated with the mobile device, the voice command having been received at a voice assistant device proximate to the mobile device;
- and
- control circuitry of the mobile device, wherein the control circuitry is configured to:
- authenticate the user of the mobile device based at least in part on input received at the mobile device;
- generate, based at least in part on the authenticating, an encrypted digital token comprising payment details for performing the transaction, wherein the control circuitry of the mobile device generates the encrypted digital token based at least in part on a digital wallet stored locally on the mobile device and an encryption key related to a service provider associated with the transaction;
- and
- wherein the I/O circuitry is further configured to:
- transmit the encrypted digital token and the transaction identifier to the service provider associated with the transaction, wherein the service provider decrypts the encrypted digital token to complete the transaction using the payment details.
Dependencies are inferred from the claim text.