Location-based transaction authentication of wireless terminal
First Claim
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.
6 Assignments
0 Petitions
Accused Products
Abstract
A wireless terminal implements location-based transaction authentication and includes a wireless interface, a user interface, a Global Positioning System (GPS) receiver, and a processing unit. The wireless terminal receives a transaction request from the user, accesses a servicing network via the wireless interface, sends a transaction initiation request to the servicing network, receives an authentication challenge from the servicing network, and determines its current location via access of the GPS receiver. The wireless terminal prepares and transmits an authentication response based upon the received location. When the authentication response is accepted by the servicing network, the processing unit is able to service the transaction between the user and the servicing network. When the authentication response is rejected the transaction is not serviced. Relative location information and further user authentication may also be used.
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Citations
20 Claims
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1. A method for operating a wireless terminal to service a transaction, the method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for operating a wireless terminal to service a transaction, comprising:
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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; accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal; determining a relative position of the wireless terminal with respect to a reference location; preparing an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to the reference location; 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. - View Dependent Claims (9)
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10. A method for operating a wireless terminal to service a transaction, the method comprising:
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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; determining a relative position of the wireless terminal with respect to a reference location by; preparing a user query based upon the authentication challenge; presenting the user query to the user; receiving a response from the user; and determining the relative position of the wireless terminal with respect to the reference location based upon the response from the user; preparing an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to the reference location; 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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11. A wireless terminal comprising:
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a wireless interface; a user interface; a Global Positioning System (GPS) receiver; and a processing unit communicatively coupled to the wireless interface, to the user interface, and to the GPS receiver, wherein the processing unit is operable to; receive a transaction request from a user via the user interface; access a servicing network via the wireless interface; send a transaction initiation request to the servicing network; receive an authentication challenge from the servicing network, the authentication challenge requesting location information from the wireless terminal; determine a current location of the wireless terminal by accessing the GPS receiver; prepare an authentication response based upon both the current location of the wireless terminal and prior location information that is stored on the wireless terminal and that was determined during at least one prior transaction; transmit the authentication response to the servicing network; when the authentication response is accepted, service the transaction between the user and the servicing network to complete the transaction; and when the authentication response is rejected, notifying the user. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A wireless terminal comprising:
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a wireless interface; a user interface; a Global Positioning System (GPS) receiver; and a processing unit communicatively coupled to the wireless interface, to the user interface, and to the GPS receiver, wherein the processing unit is operable to; receive a transaction request from a user via the user interface; access a servicing network via the wireless interface; send a transaction initiation request to the servicing network; receive an authentication challenge from the servicing network, the authentication challenge requesting location information from the wireless terminal; determine a current location of the wireless terminal by accessing the GPS receiver; determine a relative position of the wireless terminal with respect to a reference location; prepare an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to a reference location in the authentication response; transmit the authentication response to the servicing network; when the authentication response is accepted, service the transaction between the user and the servicing network to complete the transaction; and when the authentication response is rejected, notifying the user. - View Dependent Claims (19)
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20. A wireless terminal comprising:
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a wireless interface; a user interface; a Global Positioning System (GPS) receiver; and a processing unit communicatively coupled to the wireless interface, to the user interface, and to the GPS receiver, wherein the processing unit is operable to; receive a transaction request from a user via the user interface; access a servicing network via the wireless interface; send a transaction initiation request to the servicing network; receive an authentication challenge from the servicing network, the authentication challenge requesting location information from the wireless terminal; determine a current location of the wireless terminal by accessing the GPS receiver; determine a relative position of the wireless terminal with respect to a reference location by; preparing a user query based upon the authentication challenge; presenting the user query to the user; receiving a response from the user; and determining the relative position of the wireless terminal with respect to the reference location based upon the response from the user; prepare an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to the reference location; transmit the authentication response to the servicing network; when the authentication response is accepted, service the transaction between the user and the servicing network to complete the transaction; and when the authentication response is rejected, notifying the user.
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Specification