Mobile commerce authentication and authorization system
First Claim
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.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
21 Claims
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method for authenticating and authorizing a payment transaction, comprising:
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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. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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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:
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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. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification