MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM
First Claim
1. An apparatus for authenticating and authorizing a payment transaction, comprising:
- a transaction matching subsystem configured to;
receive and process transaction parameters provided by a first mobile wireless communications instrument;
receive and process transaction parameters provided by a first point-of-sale device; and
send a message to the first mobile wireless communications instrument and to the first point-of-sale device confirming or not confirming a match of the transaction parameters to authenticate and authorize the payment transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
The mobile commerce authentication and authorization system disclosed, illustrated, and claimed allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the user of the mobile wireless communications instrument is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum amount across the wireless communications network.
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Citations
43 Claims
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1. An apparatus for authenticating and authorizing a payment transaction, comprising:
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a transaction matching subsystem configured to; receive and process transaction parameters provided by a first mobile wireless communications instrument; receive and process transaction parameters provided by a first point-of-sale device; and send a message to the first mobile wireless communications instrument and to the first point-of-sale device confirming or not confirming a match of the transaction parameters to authenticate and authorize the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A mobile commerce authentication and authorization system, comprising:
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a mobile wireless communications instrument; a data processing system having logic operatively connected to the mobile wireless communications instrument adapted to receive, store, process, execute and transmit at least a first set of location data and a payment sum across a wireless communications network; a vendor point-of-sale device operatively connectable to the mobile wireless communications instrument adapted to receive, store, process, execute and transmit a second set of location data across the wireless communications network, wherein the vendor point-of-sale device is further adapted to transmit, store and receive the payment sum data across the wireless communications network; and a transaction matching subsystem located in a wireless customer server hub adapted to process at least the first set of location data, the second set of location data, and to automatically initiate a payment sum across the wireless communications network. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15)
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16. An apparatus for authenticating and authorizing a financial transaction across a mobile wireless communications system, comprising:
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a mobile wireless communications instrument adapted to receive, store, process, execute and transmit the location of the mobile wireless communications instrument; at least one vendor point-of-sale device operatively connectable to the mobile wireless communications instrument adapted to provide the location of the at least one vendor point-of-sale device; and an executable program operatively connected to the mobile wireless communications instrument and to the at least one vendor point-of-sale device for automatically initiating a payment application and for authorizing and authenticating the financial transaction resulting from a matching of the location of the mobile wireless communications instrument, the location of the at least one vendor, and the amount of the payment application. - View Dependent Claims (17, 18, 19, 20, 21)
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22. A payment system, comprising:
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means for authenticating a mobile wireless communications instrument; means for authorizing a financial transaction using a mobile wireless communications instrument; and means for initiating a payment application from a point-of-sale device across the mobile wireless communications system. - View Dependent Claims (23, 24, 25)
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26. A method of authenticating and authorizing a payment, comprising:
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selecting at least one mobile wireless communications instrument; selecting at least one point-of-sale device; operatively connecting the at least one mobile wireless communications instrument and the at least one point-of-sale device to a transaction matching subsystem, wherein the transaction matching subsystem confirms the location of the at least one mobile wireless communications instrument and the location of the at least one point-of-sale device. - View Dependent Claims (27, 28, 29, 30, 31)
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32. A method of authenticating and authorizing a financial transaction across mobile wireless communications system, the method comprising:
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installing one or more data processing systems in a mobile wireless communications instrument; connecting the mobile wireless communications instrument to a point-of-sale device and to the mobile wireless communications system; determining the location of the mobile wireless communications instrument; determining the location of the point-of-sale device; initiating a payment application; matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application; and approving the payment application. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39)
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40. A storage medium containing computer software encoded in machine-readable format for authenticating and authorizing a financial transaction, the computer software comprising:
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at least one instruction for automatically authenticating a payment application based on location data; at least one instruction for automatically authorizing a payment application based on location data; at least one instruction for automatically matching the location data and a payment sum; at least one instruction for establishing a communications link between a mobile wireless communications instrument and a point-of-sale device; and at least one instruction for repeating computer instructions. - View Dependent Claims (41, 42, 43)
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Specification