Mobile communications device payment method utilizing location information
First Claim
Patent Images
1. A method comprising:
- receiving, by a mobile payment server, a payment request from a mobile communications device;
generating, by the mobile payment server, a push request to verify a location of the mobile communications device, the push request including both a message to be pushed to the mobile communications device and a delivery profile that includes a push delivery requirement for pushing the message to the mobile communications device, the message including instructions which when executed will cause the mobile communications device to connect to a location determining server and the push delivery requirement including at least one attribute selected from a group of attributes comprising an attribute specifying a maximum cost for pushing the message to the mobile communications device, an attribute specifying a priority level of the message, and an attribute specifying a lowest cost push service for use;
transmitting, by the mobile payment server, the push request to a push service server, wherein the push service server;
selects a push service from a plurality of available push services to push the message included in the push request to the mobile communications device, the selection of the push service being based on the push delivery requirement included in the delivery profile in the push request and being further based on information about the mobile communications device to which the message is to be pushed, andtransmits the message to the selected push service, the selected push service pushing the message to the mobile communications device, wherein the mobile communications device (1) connects with the location determining server in response to executing the instructions included in the message and (2) transmits location information to the location determining server;
receiving, by the mobile payment server, the location information of the mobile communications device from the location determining server; and
determining, by the mobile payment server, whether or not to authorize the requested payment based on the received location of the mobile communications device.
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Abstract
A method includes receiving, by a payment server, a request for a payment from a mobile communication device; and, generating, a request to verify the location of the mobile communication device. In response to receiving the location of the mobile communication device, determining whether or not to authorize the requested payment.
298 Citations
22 Claims
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1. A method comprising:
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receiving, by a mobile payment server, a payment request from a mobile communications device; generating, by the mobile payment server, a push request to verify a location of the mobile communications device, the push request including both a message to be pushed to the mobile communications device and a delivery profile that includes a push delivery requirement for pushing the message to the mobile communications device, the message including instructions which when executed will cause the mobile communications device to connect to a location determining server and the push delivery requirement including at least one attribute selected from a group of attributes comprising an attribute specifying a maximum cost for pushing the message to the mobile communications device, an attribute specifying a priority level of the message, and an attribute specifying a lowest cost push service for use; transmitting, by the mobile payment server, the push request to a push service server, wherein the push service server; selects a push service from a plurality of available push services to push the message included in the push request to the mobile communications device, the selection of the push service being based on the push delivery requirement included in the delivery profile in the push request and being further based on information about the mobile communications device to which the message is to be pushed, and transmits the message to the selected push service, the selected push service pushing the message to the mobile communications device, wherein the mobile communications device (1) connects with the location determining server in response to executing the instructions included in the message and (2) transmits location information to the location determining server; receiving, by the mobile payment server, the location information of the mobile communications device from the location determining server; and determining, by the mobile payment server, whether or not to authorize the requested payment based on the received location of the mobile communications device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system comprising:
a mobile payment server including a first processor, the mobile payment server programmed to; receive a payment request from a mobile communications device;
generate a push request to verify a location of the mobile communications device, the push request including both a message to be pushed to the mobile communications device and a delivery profile that includes a push delivery requirement for pushing the message to the mobile communications device, the message including instructions which when executed will cause the mobile communications device to connect to a location determining server and the push delivery requirement including at least one attribute selected from a group of attributes comprising an attribute specifying a maximum cost for pushing the message to the mobile communications device, an attribute specifying a priority level of the message, and an attribute specifying a lowest cost push service for use;transmit the push request to a push service server, wherein the push service server includes a second processor, and the push service server is programmed to; select a push service from a plurality of available push services to push the message included in the push request to the mobile communications device, the selection of the push service being based on the push delivery requirement included in the delivery profile in the push request and being further based on information about the mobile communications device to which the message is to be pushed, and transmit the message to the selected push service, the selected push service pushing the message to the mobile communications device, wherein the mobile communications device (1) connects with the location determining server in response to executing the instructions included in the message and (2) transmits location information to the location determining server; the mobile payment server further programmed to; receive the location information of the mobile communications device from the location determining server; and determine whether or not to authorize the requested payment based on the received location of the mobile communications device. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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18. One or more non-transitory computer-readable storage media having stored thereon computer instructions comprising:
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a first set of instructions which, when executed by a first processor of a mobile payment server, cause the first processor to perform steps including; receiving a payment request from a mobile communications device; generating a push request to verify a location of the mobile communications device, the push request including both a message to be pushed to the mobile communications device and a delivery profile that includes a push delivery requirement for pushing the message to the mobile communications device, the message including instructions which when executed will cause the mobile communications device to connect to a location determining server and the push delivery requirement including at least one attribute selected from a group of attributes comprising an attribute specifying a maximum cost for pushing the message to the mobile communications device, an attribute specifying a priority level of the message, and an attribute specifying a lowest cost push service for use; transmitting the push request to a push service server, wherein a second set of instructions which, when executed by a second processor of the push service server, cause the second processor to perform steps including; selecting a push service from a plurality of available push services to push the message included in the push request to the mobile communications device, the selection of the push service being based on the push delivery requirement included in the delivery profile in the push request and being further based on information about the mobile communications device to which the message is to be pushed, and transmitting the message to the selected push service, the selected push service pushing the message to the mobile communications device, wherein the mobile communications device (1) connects with the location determining server in response to executing the instructions included in the message and (2) transmits location information to the location determining server; the first set of instructions which, when executed by the first processor of the mobile payment server, further cause the first processor to perform steps including; receiving the location information of the mobile communications device from the location determining server; and determining whether or not to authorize the requested payment based on the received location of the mobile communications device. - View Dependent Claims (19, 20, 21, 22)
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Specification