System and method for transaction approval based on confirmation of proximity of mobile subscriber device to a particular location
First Claim
1. An authentication token implemented in a mobile computing device as a factor for authenticating a user of the mobile computing device by a location verification server based on a location of the user, without an actual location of the user being disclosed to the external server, the mobile computing device comprising:
- a processor;
a wireless communication module; and
a system memory, wherein the processor is programmed to perform the steps of;
detecting that an authentication inquiry has been received from the location verification server through the wireless communication module;
responsive to the detecting, comparing a current location of the mobile computing device with data that (i) are transmitted from the location verification server with the authentication inquiry and (ii) indicate a first location; and
transmitting an authentication response to the location verification server based on a proximity of the current location of the mobile computing device with respect to the first location,wherein the location verification server authenticates the user based on the authentication response transmitted by the mobile computing device to the location verification server.
1 Assignment
0 Petitions
Accused Products
Abstract
A user activity, which may be a debit or credit card transaction or an online access, is approved, or proximity between two users is confirmed, based on a response or other acknowledgement from a mobile subscriber terminal. The mobile subscriber terminal acknowledgement is generated in response to a query from an authorizing entity associated with the debit or credit card, or another mobile subscriber terminal, and indicates whether or not the mobile subscriber terminal is within a maximum allowable radius from a specific location included in the query. It is noted that no specific location information is included in the mobile subscriber terminal acknowledgement. An application downloaded to the mobile subscriber terminal may generate the above-described acknowledgement.
7 Citations
12 Claims
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1. An authentication token implemented in a mobile computing device as a factor for authenticating a user of the mobile computing device by a location verification server based on a location of the user, without an actual location of the user being disclosed to the external server, the mobile computing device comprising:
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a processor; a wireless communication module; and a system memory, wherein the processor is programmed to perform the steps of; detecting that an authentication inquiry has been received from the location verification server through the wireless communication module; responsive to the detecting, comparing a current location of the mobile computing device with data that (i) are transmitted from the location verification server with the authentication inquiry and (ii) indicate a first location; and transmitting an authentication response to the location verification server based on a proximity of the current location of the mobile computing device with respect to the first location, wherein the location verification server authenticates the user based on the authentication response transmitted by the mobile computing device to the location verification server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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Specification