MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM

• US 20120239576A1
• Filed: 05/15/2012
• Published: 09/20/2012
• Est. Priority Date: 01/24/2008
• Status: Active Grant

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Rose, Gregory Gordon, Gantman, Alexander, Waltman, Joan T., Lauer, Craig
• Granted Patent: US 8,914,302 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• 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 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

The mobile commerce authentication and authorization system 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 mobile wireless communications instrument user 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 across the wireless communications network.

Claims

1-43. -43. (canceled)

44. A method for authenticating and authorizing a payment transaction using a near field communication mobile wireless communications instrument, comprising:

transmitting across a wireless communications network at least a first set of location data and a payment sum associated with the payment transaction, wherein the first set of location data includes a geographical location of the mobile wireless communications instrument;

receiving authentication based on the transmitted first set of location data;

establishing a near field communication connection associated with the payment transaction; and

receiving authorization of the payment transaction based on matching a combination of a relationship between the first set of location data, a second set of location data associated with the payment transaction, and the payment sum associated with the payment transaction, the authentication and authorization occurring without any use of identification information or features of the mobile wireless communications instrument, or structural, mechanical, or system modifications to the mobile wireless communications instrument.

45. The method of claim 44, further comprising receiving a message confirming or not confirming a match of the combination of a relationship between the first set of location data, the second set of location data, and the payment sum associated with the transaction to authenticate and authorize the payment transaction.

46. The method of claim 44, wherein the mobile wireless communications instrument receives an instruction that, upon entry of the mobile wireless communications instrument into a geographic location associated with the instruction, the mobile wireless communications instrument becomes activated for the payment transaction.

47. The method of claim 44, wherein the second set of location data includes the geographical location of a geographical area in which one or more vendor locations is located.

48. The method of claim 44, wherein the second set of location data includes at least the geographical location of one or more vendors.

49. The method of claim 44, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters a geographical area in which one or more vendor locations is located.

50. The method of claim 44, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters one or more vendor locations described by the name of the vendor.

51. The method of claim 44, wherein the authentication and authorization occurs automatically.

52. The method of claim 44, wherein the authentication and authorization of the payment transaction is limited based on a set of location parameters.

53. The method of claim 44, wherein the mobile wireless communications instrument comprises at least one of a mobile telephone, a personal digital assistant, a pager, a smartphone, a navigation device, and a hand-held computer with a wireless connection or link.

54. A computer system for authenticating and authorizing a payment transaction using a near field communication mobile wireless communications instrument, the system comprising:

a processor within the near field communication mobile wireless communications instrument operable to;

transmit across a wireless communications network at least a first set of location data and a payment sum associated with the payment transaction, wherein the first set of location data includes a geographical location of the mobile wireless communications instrument;

receive authentication based on the transmitted first set of location data;

establish a near field communication connection associated with the payment transaction; and

receive authorization of the payment transaction based on matching a combination of a relationship between the first set of location data, a second set of location data associated with the payment transaction, and the payment sum associated with the payment transaction, the authentication and authorization occurring without any use of identification information or features of the mobile wireless communications instrument, or structural, mechanical, or system modifications to the mobile wireless communications instrument.

55. The system of claim 54, wherein the processor within the near field communication mobile wireless communications instrument is further operable to receive a message confirming or not confirming a match of the combination of a relationship between the first set of location data, the second set of location data, and the payment sum associated with the transaction to authenticate and authorize the payment transaction.

56. The system of claim 54, wherein the processor within the near field communication mobile wireless communications instrument is further operable to receive an instruction that, upon entry of the mobile wireless communications instrument into a geographic location associated with the instruction, activates the mobile wireless communications instrument becomes for the payment transaction.

57. The system of claim 54, wherein the second set of location data includes the geographical location of a geographical area in which one or more vendor locations is located.

58. The system of claim 54, wherein the second set of location data includes at least the geographical location of one or more vendors.

59. The system of claim 54, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters a geographical area in which one or more vendor locations is located.

60. The system of claim 54, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters one or more vendor locations described by the name of the vendor.

61. The system of claim 54, wherein the authentication and authorization occurs automatically.

62. The system of claim 54, wherein the authentication and authorization of the payment transaction is limited based on a set of location parameters.

63. The system of claim 54, wherein the mobile wireless communications instrument comprises at least one of a mobile telephone, a personal digital assistant, a pager, a smartphone, a navigation device, and a hand-held computer with a wireless connection or link.

64. A computer system for managing one or more memory resources of a near field communication mobile wireless communications instrument, the system comprising:

means for transmitting across a wireless communications network at least a first set of location data and a payment sum associated with the payment transaction, wherein the first set of location data includes a geographical location of the mobile wireless communications instrument;

means for receiving authentication based on the transmitted first set of location data;

means for establishing a near field communication connection associated with the payment transaction; and

means for receiving authorization of the payment transaction based on matching a combination of a relationship between the first set of location data, a second set of location data associated with the payment transaction, and the payment sum associated with the payment transaction, the authentication and authorization occurring without any use of identification information or features of the mobile wireless communications instrument, or structural, mechanical, or system modifications to the mobile wireless communications instrument.

65. The system of claim 64, further comprising means for receiving a message confirming or not confirming a match of the combination of a relationship between the first set of location data, the second set of location data, and the payment sum associated with the transaction to authenticate and authorize the payment transaction.

66. The system of claim 64, further comprising means for receiving an instruction that, upon entry of the mobile wireless communications instrument into a geographic location associated with the instruction, activates the mobile wireless communications instrument for the payment transaction.

67. The system of claim 64, wherein the second set of location data includes the geographical location of a geographical area in which one or more vendor locations is located.

68. The system of claim 64, wherein the second set of location data includes at least the geographical location of one or more vendors.

69. The system of claim 64, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters a geographical area in which one or more vendor locations is located.

70. The system of claim 64, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters one or more vendor locations described by the name of the vendor.

71. The system of claim 64, wherein the authentication and authorization occurs automatically.

72. The system of claim 64, wherein the authentication and authorization of the payment transaction is limited based on a set of location parameters.

73. The system of claim 64, wherein the mobile wireless communications instrument comprises at least one of a mobile telephone, a personal digital assistant, a pager, a smartphone, a navigation device, and a hand-held computer with a wireless connection or link.

74. A computer program product comprising a non-transitory computer usable medium having a computer readable program code embodied therein, the computer readable program code adapted to be executed to implement a method for authenticating and authorizing a payment transaction using a near field communication mobile wireless communications instrument, the method comprising:

instructions for transmitting across a wireless communications network at least a first set of location data and a payment sum associated with the payment transaction, wherein the first set of location data includes a geographical location of the mobile wireless communications instrument;

instructions for receiving authentication based on the transmitted first set of location data;

instructions for establishing a near field communication connection associated with the payment transaction; and

instructions for receiving authorization of the payment transaction based on matching a combination of a relationship between the first set of location data, a second set of location data associated with the payment transaction, and the payment sum associated with the payment transaction, the authentication and authorization occurring without any use of identification information or features of the mobile wireless communications instrument, or structural, mechanical, or system modifications to the mobile wireless communications instrument.

75. The computer program product of claim 74, wherein the program code implementing the method further comprises instructions for receiving a message confirming or not confirming a match of the combination of a relationship between the first set of location data, the second set of location data, and the payment sum associated with the transaction to authenticate and authorize the payment transaction.

76. The computer program product of claim 74, wherein the program code implementing the method further comprises instructions for receiving an instruction that, upon entry of the mobile wireless communications instrument into a geographic location associated with the instruction, activates the mobile wireless communications instrument for the payment transaction.

77. The computer program product of claim 74, wherein the second set of location data includes the geographical location of a geographical area in which one or more vendor locations is located.

78. The computer program product of claim 74, wherein the second set of location data includes at least the geographical location of one or more vendors.

79. The computer program product of claim 74, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters a geographical area in which one or more vendor locations is located.

80. The computer program product of claim 74, wherein a payment application associated with the payment transaction is initiated when the mobile wireless communications instrument enters one or more vendor locations described by the name of the vendor.

81. The computer program product of claim 74, wherein the authentication and authorization occurs automatically.

82. The computer program product of claim 74, wherein the authentication and authorization of the payment transaction is limited based on a set of location parameters.

83. The computer program product of claim 74, wherein the mobile wireless communications instrument comprises at least one of a mobile telephone, a personal digital assistant, a pager, a smartphone, a navigation device, and a hand-held computer with a wireless connection or link.