Mobile commerce authentication and authorization system

• US 8,914,302 B2
• Filed: 05/15/2012
• Issued: 12/16/2014
• Est. Priority Date: 01/24/2008
• Status: Active Grant

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Rose, Gregory G., Gantman, Alexander, Waltman, Joan T., Lauer, Craig B.
• Primary Examiner(s): OBAID, FATEH M
• Application Number:
  US13/472,093
• Publication Number:
  US 20120239576A1
• Time in Patent Office: 945 Days
• Field of Search: None
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.

Claims

1. A system for authenticating and authorizing a payment transaction, comprising:

a transaction matching subsystem configured to;

receive and process transaction parameters provided by a mobile wireless communications instrument, wherein the transaction parameters provided by the mobile wireless communications instrument include the geographical location of the mobile wireless communications instrument;

receive and process transaction parameters provided by a point-of-sale device, wherein the transaction parameters provided by the point-of-sale device include the geographical location of the point-of-sale device; and

authenticate and authorize the payment transaction, wherein the transaction parameters provided by the mobile wireless communications instrument further include a first payment sum;

the transaction parameters provided by the point-of-sale device further include a second payment sum;

the transaction matching subsystem is configured to authenticate and authorize the transaction based on a relationship between the geographical location of the mobile wireless communications instrument, the geographical location of the point-of-sale device, and the first and second payment sums;

at least one vendor point-of-sale device operatively connectable to the mobile wireless communications instrument and is adapted to provide the location of the at least one vendor point-of-sale device; and

an executable program operatively connected to the mobile wireless communications instrument and to the at least one vendor point-of-sale device for automatically initiating a payment application and for authorizing and authenticating the financial transaction resulting from a matching of the location of the mobile wireless communications instrument, the location of the at least one vendor point-of-sale device, and an amount of the payment from the payment application.

2. The system of claim 1, wherein the point-of-sale device is a near-field communication (NFC) point-of-sale device.

3. The system of claim 1, wherein the transaction parameters further comprise the geographical location of a geographical area in which one or more vendor locations are located.

4. The system of claim 1, further comprising:

a data processing system having logic operatively connected to the mobile wireless communications instrument adapted to at least one of receive, store, process, execute and transmit at least a first set of geographical location data and a payment sum across a wireless communications network.

5. The system of claim 4, further comprising:

a point-of-sale device operatively connectable to the mobile wireless communications instrument adapted to at least one of receive, store, process, execute and transmit a second set of geographical location data and a payment sum across the wireless communications network, wherein the transaction matching subsystem is located in a wireless customer server hub and adapted to process at least the first set of location data, the second set of location data, and to automatically initiate a payment sum across the wireless communications network.

6. The system of claim 4, wherein the logic of the data processing system is programmable to include at least the geographical location of vendors;

or automatically initiate a payment application as the mobile wireless communications instrument enters a geographical area in which one or more vendor locations is located;

or automatically initiate a payment application as the mobile wireless communications instrument enters one or more vendor locations described by the name of vendor;

or manually initiate a payment application;

or match and compare at least one of the first set of geographical location data, the second set of geographical location data, and a payment sum data that is authorized.

7. The system of claim 6, wherein the executable program is capable of manual initiation of a payment application resulting from a matching of the location of the mobile wireless communications instrument, the location of the at least one vendor point-of-sale device, and the amount of the payment from the payment application.

8. A computer-implemented method for authenticating and authorizing a payment transaction, comprising:

receiving and processing transaction parameters with a processor provided by a mobile wireless communications instrument, wherein the transaction parameters provided by the mobile wireless communications instrument include the geographical location of the mobile wireless communications instrument;

receiving and processing transaction parameters with a processor provided by a point-of-sale device, wherein the transaction parameters provided by the point-of-sale device include the geographical location of the point-of-sale device; and

authenticating and authorizing the payment transaction with a processor, wherein the transaction parameters provided by the mobile wireless communications instrument further include a first payment sum;

the transaction parameters provided by the point-of-sale device further include a second payment sum;

authenticating and authorizing the transaction with a processor based on a relationship between the geographical location of the mobile wireless communications instrument, the geographical location of the point-of-sale device, and the first and second payment sums;

coupling at least one vendor point-of-sale device to the mobile wireless communications instrument and providing the location of the at least one vendor point-of-sale device with a processor; and

coupling an executable program to the mobile wireless communications instrument and to the at least one vendor point-of-sale device for automatically initiating a payment application and for authorizing and authenticating the financial transaction resulting from a matching of the location of the mobile wireless communications instrument, the location of the at least one vendor point-of-sale device, and an amount of the payment from the payment application.

9. The method of claim 8, wherein the point-of-sale device is a near-field communication (NFC) point-of-sale device.

10. The method of claim 8, wherein the transaction parameters further comprise the geographical location of a geographical area in which one or more vendor locations are located.

11. The method of claim 8, further comprising:

coupling a data processing system having logic to the mobile wireless communications instrument, the data processing system adapted to at least one of receive, store, process, execute and transmit at least a first set of geographical location data and a payment sum across a wireless communications network.

12. The method of claim 8, further comprising:

coupling a point-of-sale device to the mobile wireless communications instrument, the point-of-sale device adapted to at least one of receive, store, process, execute and transmit a second set of geographical location data and a payment sum across the wireless communications network, wherein the transaction matching occurs in a wireless customer server hub and adapted to process at least the first set of location data, the second set of location data, and to automatically initiate a payment sum across the wireless communications network.

13. The method of claim 12, wherein the wireless customer server hub is programmable to include at least the geographical location of vendors;

or automatically initiates a payment application as the mobile wireless communications instrument enters a geographical area in which one or more vendor locations is located;

or automatically initiates a payment application as the mobile wireless communications instrument enters one or more vendor locations described by the name of vendor;

or manually initiates a payment application;

or match and compare at least one of the first set of geographical location data, the second set of geographical location data, and a payment sum data that is authorized.

14. The method of claim 8, wherein the executable program manually initiates a payment application resulting from a matching of the location of the mobile wireless communications instrument, the location of the at least one vendor point-of-sale device, and the amount of the payment from the payment application.

15. A computer program product comprising a non-transitory computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method for authenticating and authorizing a payment transaction, said method comprising:

receiving and processing transaction parameters provided by a mobile wireless communications instrument, wherein the transaction parameters provided by the mobile wireless communications instrument include the geographical location of the mobile wireless communications instrument;

receiving and processing transaction parameters provided by a point-of-sale device, wherein the transaction parameters provided by the point-of-sale device include the geographical location of the point-of-sale device; and

authenticating and authorizing the payment transaction, wherein the transaction parameters provided by the mobile wireless communications instrument further include a first payment sum;

the transaction parameters provided by the point-of-sale device further include a second payment sum;

authenticating and authorizing the transaction based on a relationship between the geographical location of the mobile wireless communications instrument, the geographical location of the point-of-sale device, and the first and second payment sums;

coupling at least one vendor point-of-sale device to the mobile wireless communications instrument and providing the location of the at least one vendor point-of-sale device with a processor; and

automatically initiating a payment application and for authorizing and authenticating the financial transaction resulting from a matching of the location of the mobile wireless communications instrument, the location of the at least one vendor point-of-sale device, and an amount of the payment from the payment application.

16. The computer program product of claim 15, wherein the point-of-sale device is a near-field communication (NFC) point-of-sale device.

17. The computer program product of claim 15, wherein the transaction parameters further comprise the geographical location of a geographical area in which one or more vendor locations are located.

18. The computer program product of claim 15, wherein the program code implementing the method further comprises coupling a data processing system having logic to the mobile wireless communications instrument, the data processing system adapted to at least one of receive, store, process, execute and transmit at least a first set of geographical location data and a payment sum across a wireless communications network.

19. The computer program product of claim 15, wherein the program code implementing the method further comprises coupling a point-of-sale device to the mobile wireless communications instrument, the point-of-sale device adapted to at least one of receive, store, process, execute and transmit a second set of geographical location data and a payment sum across the wireless communications network, wherein the transaction matching occurs in a wireless customer server hub and adapted to process at least the first set of location data, the second set of location data, and to automatically initiate a payment sum across the wireless communications network.

20. The computer program product of claim 19, wherein the wireless customer server hub is programmable to include at least the geographical location of vendors;

or automatically initiates a payment application as the mobile wireless communications instrument enters a geographical area in which one or more vendor locations is located;

or automatically initiates a payment application as the mobile wireless communications instrument enters one or more vendor locations described by the name of vendor;

or manually initiates a payment application;

or match and compare at least one of the first set of geographical location data, the second set of geographical location data, and a payment sum data that is authorized.

21. The computer program product of claim 15, wherein the program code implementing the method further comprises manually initiating a payment application resulting from a matching of the location of the mobile wireless communications instrument, the location of the at least one vendor point-of-sale device, and the amount of the payment from the payment application.