Geo-bio-metric PIN

• US 8,244,216 B1
• Filed: 07/30/2011
• Issued: 08/14/2012
• Est. Priority Date: 05/10/2011
• Status: Active Grant

• Current Assignee: Mobivity Incorporated (Mobivity Holdings Corp.)
• Original Assignee: Commercetel, Inc.
• Inventors: Becker, Dennis, Shah, Alex
• Primary Examiner(s): Gary, Erika
• Application Number:
  US13/194,925
• Time in Patent Office: 381 Days
• Field of Search: None
• US Class Current: 455/411
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04M 2203/1066 Game playing
• CPC Class Codes: H04M 2242/14 with services dependent on location where the service is an information service H04M2242/15; services independent of location H04M3/42229
• CPC Class Codes: H04M 2242/30 Determination of the location of a subscriber
• CPC Class Codes: H04M 3/382 using authorisation codes or passwords
• CPC Class Codes: H04M 3/493 Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications

Abstract

A method and system for authenticating an account holder is disclosed herein. The method and system allows for real-time authentication with multiple procedures to prevent fraud and spoofing of the authentication process. The method and system involves the user photographing himself or herself for facial recognition verification, determination of location by cell phone tower verification, and a PIN preferably sent by SMS text message directly the account holder'"'"'s mobile phone. The method and system may be used for verifying that a gambler is within a gambling jurisdiction.

Claims

1. A method for betting using a mobile phone, the method comprising:

receiving a communication from a mobile phone, the mobile phone having a camera;

receiving an image of a gambler from the camera of the mobile phone;

receiving a confirmation that an accelerometer of the mobile phone has been activated during the communication;

analyzing the image of the gambler using a facial recognition program;

confirming that the image of the gambler is a new image of the gambler;

verifying that the mobile phone is geographically located in a gambling jurisdiction;

receiving a bet from the gambler; and

placing the bet for the gambler.

2. The method according to claim 1 further comprising that the gambler has established an account with a gambling site and the name, age and mobile phone number for the gambler has been verified.

3. A method for betting using a mobile phone, the method comprising:

receiving a communication from a gambler;

requesting a userAgent from a carrier;

verifying the userAgent against a database of supported mobile phones;

transmitting to the gambler'"'"'s mobile phone an MMS message comprising an image of a pin number or an SMS message of a pin number;

receiving from the gambler'"'"'s mobile phone the pin number at an online gambling mobile web site;

receiving a confirmation that an accelerometer of the mobile phone has been activated during the communication;

verifying the pin number;

verifying that the mobile phone is geographically located in a gambling jurisdiction;

receiving a bet from the gambler; and

placing the bet for the gambler.

4. The method according to claim 3 further comprising that the gambler has established an account with a gambling site and the name, age and mobile phone number for the gambler has been verified.