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Location-based transaction authentication of wireless terminal

  • US 7,212,806 B2
  • Filed: 11/19/2004
  • Issued: 05/01/2007
  • Est. Priority Date: 09/12/2002
  • Status: Active Grant
First Claim
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1. A method for operating a wireless terminal to service a transaction, the method comprising:

  • receiving a transaction request from a user;

    accessing a servicing network;

    sending a transaction initiation request to the servicing network;

    receiving an authentication challenge from the servicing network, the authentication challenge requesting location information from the wireless terminal;

    the wireless terminal accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal;

    preparing an authentication response based upon both the current location of the wireless terminal and prior location information that is stored on the wireless terminal that was determined during at least one prior transaction;

    transmitting the authentication response to the servicing network;

    when the authentication response is accepted, servicing the transaction between the user and the servicing network to complete the transaction; and

    when the authentication request is rejected, notifying the user.

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