Methods for performing internet processes using global positioning and other means

• US 20100100454A1
• Filed: 05/26/2009
• Published: 04/22/2010
• Est. Priority Date: 09/25/2000
• Status: Active Grant

• Current Assignee: eCardless Bancorp Ltd.
• Original Assignee: eCardless Bancorp Ltd.
• Inventors: Gregory, Randy A., Sines, Randy D.
• Granted Patent: US 9,202,206 B2
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G01S 19/42 Determining position
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds

Abstract

Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized global positioning satellite or other secure location information, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer which provides order information. Such order information includes verification variables used by the bank. Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant.

Claims

1. A method for authenticating or verifying a user computer in connection with an internet purchasing transaction, comprising:

selecting by a user a computer device having a global positioning subsystem therein which produces a global positioning location of the computer device;

connecting between the computer device and a bank computer which receives global positioning information from the computer device;

using global positioning information from the computer having a global positioning subsystem as at least one authentication or verification parameter by the bank;

conducting at least one transaction between the computer device and an internet merchant.

2. A method according to claim 1 and further comprising using telephone information in said using step.

3. A method according to claim 1 and further comprising using caller identification telephone information in said using step.

4. A method according to claim 1 and further comprising using caller identification telephone information in said using step;

wherein said using includes using telephone information in said using step and a plurality of other changeable authentication or verification parameters.

5. A method according to claim 1 wherein said using includes using telephone information in said using step and a plurality of other changeable authentication or verification parameters.

6. A method according to claim 1 wherein said using includes using telephone caller identification information in said using step and a plurality of other changeable authentication or verification parameters.

7. A method for authenticating or verifying a user and a computer in a transaction over the internet, comprising:

selecting by a user a computer device having a global positioning subsystem therein which produces a global positioning location of the computer device;

accessing a merchant internet site to evaluate and select desired goods or services;

communicating between the computer device and the merchant internet site a transaction identification during said accessing;

communicating with a bank computer which receives global positioning information indicating the computer device location;

using global positioning information from the computer having a global positioning subsystem as at least one authentication or verification parameter by the bank;

communicating the transaction identification to the bank;

conducting at least one transaction between the computer device and an internet merchant;

whereby communication is made to the merchant that the bank has authenticated the computer device and assures payment to the merchant.

8. A method according to claim 7 and further comprising using telephone information in said using step.

9. A method according to claim 7 wherein said using includes using telephone information in said using step and a plurality of other changeable authentication or verification parameters.

10. A method according to claim 7 wherein said using includes using telephone caller identification information in said using step and a plurality of other changeable authentication or verification parameters.

11. A method according to claim 7 and further comprising using caller identification telephone information in said using step.

12. A method according to claim 7 and further comprising using caller identification telephone information in said using step;

wherein said using includes using telephone information in said using step and a plurality of other changeable authentication or verification parameters.

14. A method according to claim 12 and further comprising using telephone information in said using step.

15. A method according to claim 12 wherein said using includes using telephone information in said using step and a plurality of other changeable authentication or verification parameters.

16. A method according to claim 12 wherein said using includes using telephone caller identification information in said using step and a plurality of other changeable authentication or verification parameters.

17. A method according to claim 12 and further comprising using caller identification telephone information in said using step.

18. A method according to claim 12 and further comprising using caller identification telephone information in said using step;

wherein said using includes using telephone information in said using step and a plurality of other changeable authentication or verification parameters.

13. A method for purchasing from a computer, comprising:

selecting by a user a computer device having a global positioning subsystem therein which produces changeable global positioning location of the computer device;

accessing a merchant internet site using said computer device to select desired goods or services;

communicating between the computer device and the merchant internet site a transaction identification during said accessing;

communicating to a bank computer which receives global positioning information provided by said computer device;

using global positioning information from the computer having a global positioning subsystem as at least one authentication or verification parameter by the bank;

communicating the transaction identification to the bank;

conducting at least one transaction between the computer device and an internet merchant;

communicating to the merchant that assures payment to the merchant.