Location-based transaction authentication of wireless terminal
First Claim
1. A method for operating a wireless terminal to service a transaction, the method comprising:
- receiving a transaction request from a user;
accessing a servicing network;
sending a transaction initiation request to the servicing network;
receiving an authentication challenge from the servicing network, the authentication challenge requesting location information from the wireless terminal;
the wireless terminal accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal;
preparing an authentication response based upon the current location of the wireless terminal;
transmitting the authentication response to the servicing network;
when the authentication response is accepted, servicing the transaction between the user and the servicing network to complete the transaction; and
when the authentication request is rejected, notifying the user.
6 Assignments
0 Petitions
Accused Products
Abstract
A wireless terminal implements location-based transaction authentication and includes a wireless interface, a user interface, a Global Positioning System (GPS) receiver, and a processing unit. The wireless terminal receives a transaction request from the user, accesses a servicing network via the wireless interface, sends a transaction initiation request to the servicing network, receives an authentication challenge from the servicing network, and determines its current location via access of the GPS receiver. The wireless terminal prepares and transmits an authentication response based upon the received location. When the authentication response is accepted by the servicing network, the processing unit is able to service the transaction between the user and the servicing network. When the authentication response is rejected the transaction is not serviced. Relative location information and further user authentication may also be used.
109 Citations
20 Claims
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1. A method for operating a wireless terminal to service a transaction, the method comprising:
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receiving a transaction request from a user;
accessing a servicing network;
sending a transaction initiation request to the servicing network;
receiving an authentication challenge from the servicing network, the authentication challenge requesting location information from the wireless terminal;
the wireless terminal accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal;
preparing an authentication response based upon the current location of the wireless terminal;
transmitting the authentication response to the servicing network;
when the authentication response is accepted, servicing the transaction between the user and the servicing network to complete the transaction; and
when the authentication request is rejected, notifying the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A wireless terminal comprising:
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a wireless interface;
a user interface;
a Global Positioning System (GPS) receiver; and
a processing unit communicatively coupled to the wireless interface, to the user interface, and to the GPS receiver, wherein the processing unit is operable to;
receive a transaction request from a user via the user interface;
access a servicing network via the wireless interface;
send a transaction initiation request to the servicing network;
receive an authentication challenge from the servicing network, the authentication challenge requesting location information from the wireless terminal;
determine a current location of the wireless terminal by accessing the GPS receiver;
prepare an authentication response based upon the current location of the wireless terminal;
transmit the authentication response to the servicing network;
when the authentication response is accepted, service the transaction between the user and the servicing network to complete the transaction; and
when the authentication response is rejected, notifying the user. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification