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

• US 20130173470A1
• Filed: 07/11/2012
• Published: 07/04/2013
• Est. Priority Date: 12/29/2011
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Sowder, James Brett, Nuzzi, Frank Anthony
• Application Number:
  US13/546,401
• Publication Number:
  US 20130173470A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules

Abstract

Systems and methods to enable a co-located group to be used as an authorization mechanism are discussed. For example, a method can include establishing a group account, receiving a request to access the group account, determining whether the requester is a group member, determining whether the requester is near an authorized location, and authorizing access to the group account. Authorizing access to the group account can be based on determining that the requester is a member and is within a pre-defined distance of an authorized location.

Claims

1. A method comprising:

establishing, using one or more processors operating within a network-based system, a group account, the group account defining a membership list including at least one member and an authorized location;

receiving, from a mobile device associated with a member using the one or more processors, a request to access the group account, the request including at least a member identifier and a current location of the mobile device;

determining, using the one or more processors, whether the member identifier matches a member on the membership list;

determining, using the one or more processors, whether the current location associated is within a pre-defined distance of the authorized location; and

authorizing, using the one or more processors, the request to access the group account based at least in part on determining that the member identifier matches a member on the membership list and determining that the current location is within the pre-defined distance of the authorized location.

2. The method of claim 1, wherein the establishing the group account includes setting a time period limitation associated with the group account;

and

wherein the authorizing the request to access the group account includes validating tha the request was received within the time period limitation.

3. The method of claim 2, wherein the time period limitation includes a list of dates when the group account is available to members included on the membership list.

4. The method of claim 1, wherein receiving the request to access the group account includes receiving a requested operation;

and

wherein the authorizing the request includes validating that the requested operation does not violate any authorization rules associated with the group account.

6. The method of claim 1, wherein the authorizing the request to access the group account includes verifying a secondary authentication factor.

7. The method of claim 6, wherein the verifying the secondary authentication factor includes receiving and verifying at least one of the following secondary authentication factors:

a password;

a picture of a landmark associated with the authorized location; and

a code readily available only at the authorized location and scanned with the mobile device associated with the identified user.

8. The method of claim 1, wherein the receiving the request to access the group account includes a payment request, the payment request to be satisfied by one or more funding sources associated with the group account.

9. The method of claim 1, wherein the authorizing the request to access the group account includes determining that a pre-defined number of members on the membership list arc within a pre-defined distance of the authorized location.

5. (canceled)

10. A system comprising:

a server coupled to a network to enable communication with a mobile device associated with a member, the server including;

an account module configured to provision a group account according a group account configuration, the group account configuration including a membership list including at least one member and an authorized location associated with the group account;

a communication module configured to receive, from the mobile device associated with a member over the network, a request to access the group account hosted on the server, the request including at least a member identifier identifying the member associated with the mobile device and a current location associated with the mobile device;

a location module configured to determine whether the current location is within a pre-defined distance of the authorized location;

a validation module configured to,

determine whether the member identifier matches a member on the membership list, and

authorize the request to access the group account based at least in part on determining that the member identifier matches a member on the membership list and determining that the current location is within the pre-defined distance of the authorized location.

11. The system of claim 10, wherein the account module is further configured to generate a time period limitation associated with the group account;

and

wherein the validation module is further configured to verify that the request was received within the time period limitation prior to authorizing the request.

12. The system of claim 11, wherein account module generates a list of dates as the time period limitation, the list of dates representing a time period when members on the membership list can access the group account.

13. The system of claim 10, wherein the communication module is further configured to receive a requested operation with the request to access the group account;

and

wherein the validation module is further configured to validate that the requested operation does not violate any authorization rules associated with the group account.

14. The system of claim 10, wherein the validation module is further configured to verify a secondary authentication factor prior to authorizing the request to access the group account.

15. The system of claim 14, wherein the validation module is configured to verify at least one of the following secondary authentication factors:

a password;

a picture of a landmark associated with the authorized location; and

a code readily available only at the authorized location and scanned with the mobile device.

16. The system of claim 10, wherein the communication module is further configured to receive a payment request as part of the request to access the group account;

and

wherein the validation module is further configured to validate the payment request against one or more funding sources associated with the group account.

17. The system of claim 10, wherein the validation module is further configured to verify that a predetermined number of members on the membership list are within the pre-defined distance of the authorized location prior to authorizing the request to access the group account.

18. A non-transitory machine-readable storage medium containing instructions that, when executed by a machine, cause the machine to:

establish, on a network-based system, a group account, the group account defining a membership list including at least one member and an authorized location;

receive, from a mobile device associated with a member, a request to access the group account, the request including at least a member identifier and a current location of the mobile device,

determine whether the member identifier matches a member on the membership list;

determine whether the current location associated with the member identifier is within a pre-defined distance of the authorized location; and

authorize the request to access the group account based at least in part on determining that the member identifier matches a member on the membership list and determining that the current location is within the pre-defined distance of the authorized location.

19. The non-transition machine-readable storage medium of claim 18, wherein the instructions that cause the machine to establish the group account include instructions that cause the machine to set a time period limitation associated with the group account;

and

wherein the instructions that cause the machine to authorize the request to access the group account include instructions that cause the machine to validate that the request was received within the time period limitation.

20. The non-transitory machine-readable storage medium of claim 18, wherein the instructions that cause the machine to receive the request to access the group account include instructions that cause the machine to receive a payment request associated with the request, the payment request to be satisfied by one or more funding sources associated with the group account.