| CPC G06Q 20/24 (2013.01) [G06F 3/04815 (2013.01); G06Q 20/321 (2020.05); G06Q 20/40 (2013.01); G06Q 20/42 (2013.01); G06F 3/012 (2013.01); G06F 3/013 (2013.01); G06F 3/017 (2013.01)] | 26 Claims |
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1. A computer-implemented method for an augmented-reality transaction system for enabling rapid transactions with deferred payment obligation with limited user interaction comprising the steps of:
establishing a data connection between a head-mounted display (“HMD”) device and a network-accessible payment system, the HMD device being configured to be worn on a head of a user, the HMD device including one or more image-forming components configured to generate light rays to form and display images of virtual content, the one or more image-forming components being configured to present the images to the user and superimpose the images over views of a real-world environment to create an interactive space such that the virtual content is perceived to be present in the real-world environment, the HMD device further including sensors to detect at least one of a user gazes at items in the real-world environment and virtual items, blinking, head motion, and voice commands;
obtaining first information from the HMD device of an item selected in the real-world environment or indicated virtual content for a potential transaction based on first signals from at least one of said HMD device sensors or one or more auxiliary user devices operable by hand, finger or arm gestures of the user;
causing the HMD device to generate and display a virtual content image of a transaction status indicator (“TSI”) in response to obtaining the first information, the TSI indicating statuses of (a) a cost of the selected item; (b) a predetermined maximum cost threshold amount triggering a payment settlement requirement for the user; and (c) an expended cost amount representing prior unsettled payment obligations;
obtaining second information from the at least one sensor of the HMD device while the TSI is displayed, the second information indicating a particular interaction by the user with the HMD that has been detected by the one or more sensors, the interaction indicated by one or more of the user gazing at at least one of the TSI or another item in the virtual space associated with the TSI, the user blinking, or the user making head motions, said second information indicating at least one of confirming or canceling the potential transaction of the selected item;
causing the HMD device after obtaining the second information to generate and display a countdown time indicator that operates over a predetermined time interval;
causing the HMD device to update the virtual content of the TSI in accordance with the obtained second information;
determining from the second information whether the user interaction with the HMD device is continuous for at least the predetermined time interval;
transmitting, when the user interaction with the HMD device is continuous for at least the predetermined time interval, a transaction authorization signal to a network-accessible merchant offering the selected item without concurrently requiring payment for the transaction, when the total of the cost of the selected item and any prior unsettled payment obligations are less than the predetermined maximum of aggregate payment obligations; and
transmitting a signal to the payment system for settlement of at least a part of a total outstanding balance when a combination of the cost of the selected item and any prior unsettled payment obligations equal or are greater than the predetermined maximum threshold amount, receiving a settlement signal from the payment system that payment has been received; and causing the HMD device to update the virtual content of the TSI to reflect the amount settled reflected by the received settlement signal.
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