Location based access to financial information systems and methods
First Claim
1. A system for authorizing access to financial information, the system comprising:
- a mobile communications device, wherein the device is configured to;
receive a set of data identifying the location of the device; and
initiate a first communications signal over an Internet protocol network, the first communication signal including includes information comprising the set of data and an identifier unique to the device; and
a database which comprises a table of identifiers, wherein,each identifier in the table is unique to one of a plurality of mobile communications devices;
each identifier in the table is associated with a different set of financial information; and
the table of identifiers includes the identifier unique to the device;
a location comparison server, in communication with the device and the database, wherein the server is configured to;
receive the first communications signal initiated by the mobile communications device over the Internet protocol network;
store the set of data from the first communications signal in the database;
receive a second communications signal comprising a request for access for a requester to view a set of financial information and data identifying the location of the request, wherein the set of financial information is associated with the identifier unique to the device and the second communication signal is received at a different time than the first communication signal; and
authorize the request for access allowing the requester to view the set of financial information when the database indicates that the device is located within limited geographic regions, one or more boundaries of the regions determined by a time of the request for access and the location of the request for access.
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Accused Products
Abstract
Systems, methods, and software for identifying location based rules related to a network connected device are described. A network connected device may transmit a set of data identifying the location of the device and an identifier unique to the device to a server. The server may also receive an action request, wherein the action request is associated with the identifier. The server may select a rule in a database to address the action request, the rule applicable to the identifier and location of the device. Various embodiments related to financial card transactions, access to financial information, emergency services contact, and electronic message filtering are also addressed.
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Citations
20 Claims
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1. A system for authorizing access to financial information, the system comprising:
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a mobile communications device, wherein the device is configured to; receive a set of data identifying the location of the device; and initiate a first communications signal over an Internet protocol network, the first communication signal including includes information comprising the set of data and an identifier unique to the device; and a database which comprises a table of identifiers, wherein, each identifier in the table is unique to one of a plurality of mobile communications devices; each identifier in the table is associated with a different set of financial information; and the table of identifiers includes the identifier unique to the device; a location comparison server, in communication with the device and the database, wherein the server is configured to; receive the first communications signal initiated by the mobile communications device over the Internet protocol network; store the set of data from the first communications signal in the database; receive a second communications signal comprising a request for access for a requester to view a set of financial information and data identifying the location of the request, wherein the set of financial information is associated with the identifier unique to the device and the second communication signal is received at a different time than the first communication signal; and authorize the request for access allowing the requester to view the set of financial information when the database indicates that the device is located within limited geographic regions, one or more boundaries of the regions determined by a time of the request for access and the location of the request for access. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A method of authorizing access to financial information of a user, the method comprising:
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maintaining a database which comprises a table of identifiers, wherein, each identifier in the table is unique to one of a plurality of mobile communications devices; each identifier in the table is associated with a different set of financial information; receiving, over an Internet protocol connection with one device of the plurality of mobile communications devices, a communications signal initiated by the one device, the signal including information comprising a set of data identifying the location of the one device and an identifier unique to the one device; storing the set of data from the communications signal in the database; receiving a request for access to allow a requester to view the set of financial information and receiving data identifying the location originating the request, wherein the set of financial information is associated with the identifier unique to the device and the data identifying the location of the request is distinct from the set of data identifying the location of the device; and authorizing the request for access allowing the requester to view the set of financial information when the database indicates that the device is located within limited geographic regions, one or more boundaries of the regions being determined by a time of the request for access and the location of the request for access.
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20. A computer readable storage medium storing a computer program, the computer program comprising instructions executable by a computer to:
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maintain a database which comprises a table of identifiers, wherein, each identifier in the table is unique to one of a plurality of mobile communications devices; each identifier in the table is associated with a different set of financial information; receiving, over an Internet protocol connection with one device of the plurality of mobile communications devices, a communication signal initiated by the one device, the signal including information comprising a set of data identifying the location of the one device and an identifier unique to the one device; store the set of data from the communications signal in the database; receive a request for access to allow a requester to view the set of financial information and receive data identifying the location originating the request, wherein the set of financial information is associated with the identifier unique to the device and the data identifying the location of the request is distinct from the set of data identifying the location of the device and is received at a different time from the set of data identifying the location of the device; and authorize the request for access allowing the requester to view the set of financial information when the database indicates that the device is located within limited geographic regions, one or more boundaries of the regions being determined by a time of the request for access and the location of the request for access.
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Specification