MOBILE TRANSACTIONS

• US 20140195427A1
• Filed: 10/24/2011
• Published: 07/10/2014
• Est. Priority Date: 10/22/2010
• Status: Active Grant

• Current Assignee: Vodafone IP Licensing Limited (Vodafone Group PLC)
• Original Assignee: Vodafone IP Licensing Limited (Vodafone Group PLC)
• Inventors: Reeve, Gregory, Cornforth, Peter, Downing, Jason
• Granted Patent: US 9,563,888 B2
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/027 using movement velocity, acceleration information
• CPC Class Codes: H04W 4/029 Location-based management or tracking services
• CPC Class Codes: H04W 4/12 Messaging; Mailboxes; Announcements
• CPC Class Codes: H04W 48/16 Discovering, processing access restriction or access information
• CPC Class Codes: H04W 48/20 Selecting an access point

Abstract

A method for analysing mobile handset based transactions between sender handsets and receiver handsets comprising the steps of: identifying locations of a sender handset and a receiver handset for each transaction using mobile base station information; determine a geographical distribution of mobile handset based transactions based on the identified locations; and identifying anomalies by comparing the determined geographical distribution with an expected geographical distribution.

Claims

1. A method for analyzing mobile handset based transactions between sender handsets and receiver handsets, the method comprising:

identifying locations of a sender handset and a receiver handset for each transaction using mobile base station information;

determining a geographical distribution of mobile handset based transactions based on the identified locations; and

identifying anomalies by comparing the determined geographical distribution with an expected geographical distribution.

2. The method of claim 1, wherein the geographical distribution and expected geographical distribution are geographical densities of transactions.

3. The method of claim 1, further comprising determining whether the geographical distribution and the expected geographical distribution are within a predetermined limit.

4. The method according to claim 1, further comprising using mobile base station information recorded when the transactions were executed.

5. The method according to claim 1, further comprising using mobile base station information recorded when a confirmation SMS is sent to the sender handset and to the receiver handset and the mobile base station information is an identifier of each mobile based used to transmit the SMS messages.

6. The method according to claim 1, wherein the base station information uses triangulation to locate the sender and receive handsets.

7. The method according to claim 1 further comprising storing a number of transactions at a base station or at an external server.

8. The method according to claim 1 further comprising the step of displaying the geographical distribution on a map.

9. The method of claim 8 further comprising highlighting transaction routes between base stations on the map.

10. The method of claim 9, wherein the anomalies are shown on the map.

18. A computer program product comprising non-transitory computer readable medium having stored thereon computer executable program instructions that, when executed on a computer cause the computer to perform the method of claim 1.

11. A mobile handset transaction system comprising:

a processor configured to execute transactions between sender handsets and receiver handsets; and

a server configured to;

identify locations of a sender handset and a receiver handset for each transaction using mobile base station information,

determine a geographical distribution of mobile handset based transactions based on the identified locations, and

identify anomalies by comparing the determined geographical distribution with an expected geographical distribution.

12. A method for crediting a user handset account in a mobile transaction processing system comprising:

receiving a request from an outlet handset to credit the user'"'"'s account;

determining the location of the outlet handset;

determining the location of the user handset;

comparing the location of the outlet handset with the location of the user handset; and

rejecting the request if the locations are different or substantially different.

13. The method of claim 12, wherein the outlet and/or user handset locations are determined by handset-based GPS and/or base station information.

14. A method of validating a mobile transaction comprising:

receiving a request from a user handset to initiate a mobile transaction;

capturing a photograph of the user with the user handset;

comparing the captured photograph with a pre-stored photograph of the user; and

rejecting the transaction if the captured photograph and the pre-stored photograph are not of the same person.

15. The method according to claim 14 further comprising:

aggregating mobile transaction information selected from the group consisting of any of;

mobile money transactions, mobile calls, mobile top-ups, and SMS messages;

storing the aggregated mobile transaction information on a server.

16. (canceled)

17. (canceled)

19. (canceled)

20. (canceled)