METHOD AND SYSTEM FOR CARRYING OUT A TRANSACTION BETWEEN A MOBILE DEVICE AND A TERMINAL

• US 20080172340A1
• Filed: 01/15/2007
• Published: 07/17/2008
• Est. Priority Date: 01/15/2007
• Status: Abandoned Application

• Current Assignee: Sony Ericsson Mobile Communications AB (Sony Group Corp.)
• Original Assignee: Sony Ericsson Mobile Communications AB (Sony Group Corp.)
• Inventors: Karlsson, Thomas
• Application Number:
  US11/623,106
• Publication Number:
  US 20080172340A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4015 using location information

Abstract

A method of conducting a transaction between a user of a mobile electronic device and a vendor includes determining a location of the mobile electronic device. At least one transaction terminal that has a location-based relationship with the mobile electronic device is identified. A transaction code for authenticating the mobile electronic device during interaction of the mobile electronic device and the transaction terminal is provided to the identified transaction terminal and the mobile electronic device.

Claims

1. A method of conducting a transaction, comprising:

determining a location of a mobile electronic device;

identifying at least one transaction terminal that has a location-based relationship with the mobile electronic device; and

providing a transaction code to the identified transaction terminal and the mobile electronic device, the transaction code for authenticating the mobile electronic device during interaction of the mobile electronic device and the transaction terminal.

2. The method of claim 1, wherein the transaction code is valid for a limited duration.

3. The method of claim 2, wherein the transaction code is valid for a single transaction.

4. The method of claim 1, wherein the transaction code is valid for a single transaction.

5. The method of claim 1, wherein location data for the mobile electronic device is supplied by one of the mobile electronic device or a communications network that supplies communications services to the mobile electronic device.

6. The method of claim 1, wherein the identified transaction terminal is within a predetermined distance from the location of the mobile electronic.

7. The method of claim 1, wherein the identified transaction terminal is selected by a user of the mobile electronic device.

8. The method of claim 1, further comprising receiving a transaction parameter from the mobile electronic device and authorizing the transaction.

9. The method of claim 8, further comprising transmitting the transaction parameter to the transaction terminal.

10. The method of claim 1, wherein the transaction is a withdrawal of money from a bank account or a cash advance.

11. The method of claim 10, wherein the transaction terminal is an automated teller machine.

12. The method of claim 1, wherein the transaction is the purchase of at least one of goods or services.

13. The method of claim 12, wherein the transaction terminal is a vending machine.

14. The method of claim 12, wherein the transaction terminal is a cash register.

15. A method of conducting a transaction, comprising:

transmitting a transaction request from a mobile electronic device to a transaction server;

receiving a transaction code from the transaction server with the mobile electronic device, the transaction code for authenticating the mobile electronic device during interaction of the mobile electronic device and a transaction terminal;

establishing a communication link between the mobile electronic device and the transaction terminal; and

transmitting the transaction code to the transaction terminal.

16. The method of claim 15, wherein the transaction code is valid for a limited duration.

17. The method of claim 15, wherein the transaction code is valid for a single transaction.

18. The method of claim 15, further comprising providing a location of the mobile electronic device to the transaction server.

19. The method of claim 15, further comprising transmitting a transaction parameter to the transaction server.

20. A method of conducting a transaction, comprising:

receiving a transaction code from a transaction server with a transaction terminal, the transaction code for authenticating a mobile electronic device during interaction of the mobile electronic device and the transaction terminal;

establishing a communication link between the transaction terminal and the mobile electronic device;

receiving a transaction code from the mobile electronic device; and

verifying that the transaction code from the mobile electronic device matches the transaction code from the transaction server.

21. The method of claim 20, wherein the transaction codes are valid for a limited duration and the method further includes verifying that the transaction codes have not expired.

22. The method of claim 20, wherein the transaction codes are valid for a single transaction.

23. The method of claim 20, further comprising requesting additional authentication from the user of the mobile electronic device.