MOBILE COMMUNICATIONS DEVICE PAYMENT METHOD UTILIZING LOCATION INFORMATION

• US 20140304165A1
• Filed: 06/20/2014
• Published: 10/09/2014
• Est. Priority Date: 08/17/2011
• Status: Active Grant

• Current Assignee: Lookout Incorporated
• Original Assignee: Lookout Incorporated
• Inventors: Salomon, Ariel, Mahaffey, Kevin Patrick
• Granted Patent: US 10,181,118 B2
• 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 20/4015 using location information
• CPC Class Codes: H04W 4/00 Services specially adapted for wireless communication networks; Facilities therefor
• CPC Class Codes: H04W 4/02 Services making use of location 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 4/60 Subscription-based services using application servers or record carriers, e.g. SIM application toolkits

Abstract

A method includes receiving, by a payment server, a request for a payment from a mobile communication device; and, generating, a request to verify the location of the mobile communication device. In response to receiving the location of the mobile communication device, determining whether or not to authorize the requested payment.

Claims

1. A method comprising:

receiving, by a mobile payment server, a request for a payment from a mobile communication device;

generating, by the mobile payment server, a push request to verify a location of the mobile communication device, the push request including both a message to be pushed to the mobile communication device and a delivery profile, the message including a request to access a location feature;

selecting, by the mobile payment server, from a plurality of available push services, at least one push service to push the message to the mobile communication device, the selecting being based on the delivery profile and on information about the mobile communication device to which the message is to be pushed;

delivering, by the mobile payment server, the message to the selected at least one push service to push the message to the mobile communication device;

in response to detecting a connection with the mobile communication device via the location feature, requesting, by the mobile payment server, the location of the mobile communication device;

receiving, by the mobile payment server, the location of the mobile communication device; and

based on the received location of the mobile communication device, determining, by the mobile payment server, whether or not to authorize the requested payment.

2. The method of claim 1, wherein the delivery profile includes at least one of an attribute specifying a maximum cost for pushing the message to the mobile communication device, an attribute specifying a priority level of the message, or an attribute specifying a lowest cost push service for use.

3. The method of claim 1, wherein the step of selecting by the push service aggregator further comprises selecting the at least one push service also based on past performance of the at least one push service.

4. The method of claim 1, the receiving, by the mobile payment server, the location of the mobile communication device including receiving multiple types of location data.

6. The method of claim 1, the mobile payment server comprising a payment server, a location server, and a push service server, the receiving the request for the payment, the generating the push request, the receiving the location of the mobile communication device, and the determining whether or not to transmit the requested payment being performed by the payment server.

7. The method of claim 6, the selecting from a plurality of available push services and the delivering the message to the selected at least one push service being performed by the push service server.

8. The method of claim 6, the receiving the location of the mobile communication device being performed by the location server, the method further comprising sending the location of the mobile communication device by the location server to the payment server in response to receiving the location of the mobile communication device by the location server.

16. The method of claim 1, the determining, by the mobile payments server, whether or not to transmit the requested payment comprising comparing the location of the mobile communications device to a list of known locations for the mobile communication device, and transmitting the requested payment when the location of the mobile communication device matches a known location on the list of known locations for the mobile device.

5. The method of claim 5, the multiple types of location data including at least two of GPS data, Wi-Fi access point signal information, cell-tower signal information, and radio signal information.

9. A method comprising:

sending, via a mobile communication device, a request for a payment by a payment application on the mobile communication device, the payment application being associated with a payment application server;

receiving, by the mobile communication device via the payment application, a pushed request to access a location feature;

sending the location of the mobile communication device by the location feature of the mobile communication device to the location server; and

in response to the payment application server determining the location of the mobile communication device is accepted and authorizing the payment, receiving confirmation by the payment application that the payment has been processed by the payment application server.

10. The method of claim 9, further comprising:

receiving user input at the mobile communication device accessing a location feature;

in response to the user input, displaying on the mobile communication device a request to send a location of the mobile communication device to a location server by the location feature; and

receiving user input indicating consent to send the location of the mobile communication device to the payment application server, the sending the location of the mobile communication device by the mobile communication device being performed in response to the receiving user input indicating consent.

11. The method of claim 9, the sending the location of the mobile communication device comprising periodically sending the most recently available location information available during a predetermined time period.

12. The method of claim 11, the mobile communication device having multiple types of location systems, the periodically sending comprising sending location information from at least two different location systems during the predetermined time period.

13. The method of claim 12, the multiple types of location systems comprising at least two of a GPS system, a Wi-Fi access point location system, a cell-tower signal location information system, and radio signal location information system.

14. The method of claim 9, the location feature being part of a location application, the location server being different from the payment application server.

15. The method of claim 9, the location server being the same as the payment application server, the location feature being included in the payment application on the mobile communication device.

17. A method comprising:

receiving, by a payment server, a request for a payment from a mobile communication device;

generating, by the payment server, a push request to verify a location of a mobile communication device, the push request including both a message to be pushed to a mobile communication device and a delivery profile, the message including a request to access a location feature;

sending, by the payment server, the push request to a push service aggregator;

in response to receiving, by the payment server, the location of the mobile communication device, determining whether or not to authorize the requested payment; and

authorizing the payment in an amount specified by the request for the payment when the location of the mobile communication device has been determined to be accepted.

18. The method of claim 17, the location of the mobile communication device being received from a location server.

19. The method of claim 17, the location of the mobile communication device being received from the mobile communication device in response to the message.

20. A method comprising:

receiving, by a push service aggregator, a push request to verify a location of a mobile communication device from a payment application server, the push request including both a message to be pushed to the mobile communication device and a delivery profile, the message including a request to access a location application, the push request being related to verifying the location of a mobile communication device prior to authorizing a payment;

selecting by the push service aggregator from a plurality of available push services, at least one push service to push the message to the mobile communication device, the selecting being based on the delivery profile and on information about the mobile communication device to which the message is to be pushed, wherein the delivery profile includes at least one of an attribute specifying a maximum cost for pushing the message to the mobile communication device, an attribute specifying a priority level of the message, or an attribute specifying a lowest cost push service for use;

delivering by the push service aggregator the message to the selected at least one push service to push the message to the mobile communication device.

21. The method of claim 20 further comprising:

at the push service aggregator, determining that the selected at least one push service is unable to push the message delivered to the selected at least one push service to the mobile communication device within a specified time period;

at the push service aggregator, selecting from among the plurality of available push services, a second push service, different from the selected at least one push service, to push the message to the mobile communication device; and

delivering the message to the second push service for an attempted push of the message to the mobile communication device, wherein the step of determining that the at least one push service is unable to push the message to the mobile communication device within the specified time period comprises during the specified time period, failing to receive from the at least one push service an indication that the push attempt of the delivered message failed.

22. The method of claim 20, wherein the step of selecting by the push service aggregator further comprises selecting the at least one push service also based on past performance of the at least one push service.