METHODS AND SYSTEMS FOR USING A CO-LOCATED GROUP AS AN AUTHORIZATION MECHANISM
First Claim
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.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods to enable a co-located group to be used as an authorization mechanism are discussed. For example, a method to receive a group account configuration, define a group account according to the group account configuration, receive a transaction authorization request associated with the group account, and authorize payment from the group account. The account configuration including a membership list and a target location. The method further including determining whether the transaction authorization request includes data identifying an identified user on the membership list. The method also including determining whether the identified user on the membership list is physically proximate to the target location. The authorizing payment from the group account including verifying that the identified user is determined to be physically proximate to the target location.
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Citations
21 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 21)
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16. A system comprising:
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a central payment processing server coupled to a network to enable communication with a mobile device, the central payment processing server including; a communication module configured to; receive, over the network, a group account configuration to define a group account hosted on the central payment processing server, the group account configuration including a membership list and a co-location requirement; and receive, over the network, a transaction authorization request associated with the group account; an account module configured to provision a group account according to the group account configuration; a location module configured to determine whether an 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 a validation module configured to; determine whether the transaction authorization request includes data identifying the identified user included in the membership list; and authorize payment from the group account if the identified user satisfies the co-location requirement. - View Dependent Claims (17, 18, 19)
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20. A non-transitory machine-readable storage medium including instructions that, when executed on a machine, cause the machine to:
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receive a group account configuration to define a group account hosted on the central payment processing server, the group account configuration including a membership list and a co-location requirement; define a group account according to the group account configuration; receive a transaction authorization request associated with the group account from a mobile device; determine whether the transaction authorization request includes data identifying an identified user included in the membership list; determine 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 authorize payment from the group account in response to the identified user satisfying the co-location requirement.
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Specification