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METHODS AND SYSTEMS FOR USING A CO-LOCATED GROUP AS AN AUTHORIZATION MECHANISM

  • US 20130173467A1
  • Filed: 12/29/2011
  • Published: 07/04/2013
  • Est. Priority Date: 12/29/2011
  • Status: Abandoned Application
First Claim
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1. A method comprising:

  • receiving, at a central payment processing server, a group account configuration to define a group account to be hosted on the central payment processing server, the group account configuration including a membership list and a co-location requirement;

    defining, on the central payment processing server, a group account according to the group account configuration;

    receiving, at the central payment processing server from a mobile device, a transaction authorization request associated with the group account;

    determining, on the central payment processing server, whether the transaction authorization request includes data identifying an identified user included in the membership list;

    determining, on the central payment processing server, whether the identified user on the membership list satisfies the co-location requirement based at least in part on location data from the mobile device included in the transaction authorization request; and

    authorizing, on the central payment processing server, payment from the group account in response to the identified user satisfying the co-location requirement.

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