System and method for controlling financial transactions over a wireless network

• US 9,111,271 B2
• Filed: 09/04/2014
• Issued: 08/18/2015
• Est. Priority Date: 12/23/1997
• Status: Expired due to Fees

• Current Assignee: Unwired Planet LLC (JP Morgan Chase & Co)
• Original Assignee: Unwired Planet LLC (JP Morgan Chase & Co)
• Inventors: Dennis, Charles L.
• Primary Examiner(s): RUDY, ANDREW J
• Application Number:
  US14/477,663
• Publication Number:
  US 20140379786A1
• Time in Patent Office: 348 Days
• Field of Search: 455/405, 455/406, 455/414.1, 455/432.1, 455/466, 455/404.2, 455/456.1, 455/456.2, 455/456.3, 709/203, 709/223, 709/229, 709/204, 705/26.9, 705/37
• US Class Current: 1/1
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/51 Discovery or management thereof, e.g. service location protocol [SLP] or web services
• CPC Class Codes: H04L 67/535 Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 2215/00 Metering arrangements; Time controlling arrangements; Time indicating arrangements
• CPC Class Codes: H04M 2215/0176 Billing arrangements using internet
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
• CPC Class Codes: H04M 2215/32 Involving wireless systems
• CPC Class Codes: H04W 4/025 : using location based information parameters

Abstract

A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.

Claims

1. A method comprising, on a wireless communications device:

transmitting, to a server system, first data indicative of a geographic area in which the wireless communications device is currently located;

receiving, from the server system, second data comprising data identifying a plurality of locations based at least in part on the first data;

presenting, on a display of the wireless communications device, the plurality of locations identified by the second data;

receiving user input representing a selected location of the plurality of locations; and

transmitting, to the server system, third data indicative of the selected location, wherein the third data is transmitted to associate a user of the wireless communications device with the selected location.

2. The method of claim 1, wherein the presenting the plurality of different locations on the display of the wireless communications device is to request user input indicative of the presence of the user at the selected location.

3. The method of claim 1, wherein the second data further comprises an order of presentation of the plurality of locations, the order of presentation being based at least in part on a profile of the user stored at the server system;

and

the presenting of the plurality of locations is based at least in part on the order of presentation.

4. The method of claim 1, wherein the second data is further based at least in part on a profile of the user stored at the server system.

5. The method of claim 1, wherein the plurality of locations is more than can be presented on the display simultaneously, the method further comprising presenting the plurality of locations by scrolling the plurality of different locations on the display.

6. The method of claim 1, further comprising:

presenting, on the display of the wireless communications device, one or more categories of locations;

wherein the second data is received responsive to selection of a selected category from the one or more categories of locations, and wherein the second data is further based at least in part on the selected category.

7. The method of claim 6, wherein the one or more categories include a category selected from the group consisting of retail stores, gas stations, ATMs and vending machines.

8. The method of claim 1, further comprising:

receiving, from the server system, additional data associated with the selected location.

9. The method of claim 8, wherein the additional data comprises data indicating the geographical position of the selected location;

the method further comprising;

presenting the geographical position of the selected location on the display of the wireless device.

10. The method of claim 1, further comprising:

transmitting, to the server system, update data including an update to be associated with the selected location.

11. The method of claim 1, wherein the first data is based at least in part on determining a location of a wireless network site from which the wireless communications device is currently receiving wireless communications service.

12. A server system comprising:

one or more processors;

a communication interface; and

storage storing computer-executable instructions,

wherein the computer-executable instructions, when executed by the one or more processors, cause the server system to;

receive, from a wireless communications device, first data indicative of a geographic area in which the wireless communications device is currently located;

determine a plurality of locations based at least in part on the first data;

transmit, to the wireless communications device, second data identifying the plurality of locations for presentation on a display of the wireless communications device;

receive, from the wireless communications device, third data indicative of a selected location of the one or more locations; and

associate a user of the wireless communications device with data relating to the selected location.

13. The server system of claim 12, wherein the computer-executable instructions further cause the server system to:

determine an order of presentation of the plurality of different locations, the order of presentation being based at least in part on a profile of the user stored at the server system; and

include data of the order of presentation in the second data.

14. The server system of claim 12, wherein the computer-executable instructions further cause the server system to:

determine the plurality of different locations further based at least in part on a profile of the user stored at the server system.

15. The server system of claim 12, wherein the computer-executable instructions further cause the server system to:

update a profile of the user stored at the server system to indicate the presence of the user at the selected location.

16. The server system of claim 12, wherein the computer-executable instructions further cause the server system to:

receive data of a selected category from the wireless communications device; and

determine the plurality of locations further based at least in part on the selected category.

17. The server system of claim 16, wherein the selected category is selected from the group consisting of retail stores, gas stations, ATMs and vending machines.

18. The server system of claim 12, wherein the computer-executable instructions further cause the server system to:

receive, from the wireless communications device, update data including an update to be associated with the selected location; and

update a profile of the user stored at the server system based at least in part on the update data.

19. The server system of claim 12, wherein the first data is based at least in part on a location of a wireless network site from which the wireless communications device is currently receiving wireless communications service.

20. The server system of claim 12, wherein the computer executable instructions further cause the server system to:

transmit additional data associated with the selected location, the additional data comprising data indicating the geographical position of the selected location for presentation on the display of the wireless communications device.

27. The non-transitory computer-readable medium of claim 20, wherein the one or more categories include a category selected from the group consisting of retail stores, gas stations, ATMs and vending machines.

21. A non-transitory computer-readable medium having computer-executable instructions embodied thereon, the computer-executable instructions executable by a processor of a wireless communications device to cause the wireless communications device to:

transmit, to a server system, first data indicative of a geographic area in which the wireless communications device is currently located;

receive, from the server system, second data comprising data identifying a plurality of locations based at least in part on the first data indicative of a geographic area;

present, on a display of the wireless communications device, the plurality of locations identified by the second data;

receive user input representing a selected location of the plurality of locations; and

transmit, to the server system, third data indicative of the selected location, wherein the third data is transmitted to associate a user of the wireless communications device with the selected location.

22. The non-transitory computer-readable medium of claim 21, and wherein the computer-executable instructions further cause the wireless communications device to:

present the plurality of different locations on the display of the wireless communications device thereby to request user input indicative of the presence of the user at the selected location.

23. The non-transitory computer-readable medium of claim 21, wherein the second data further comprises an order of presentation of the plurality of locations, the order of presentation being based at least in part on a profile of the user stored at the server system;

and wherein the computer-executable instructions further cause the wireless communications device to;

present the plurality of locations based at least in part on the order of presentation.

24. The non-transitory computer-readable medium of claim 21, wherein the second data is further based at least in part on a profile of the user stored at the server system.

25. The non-transitory computer-readable medium of claim 21, wherein the plurality of locations is more than can be presented on the display simultaneously, and wherein the computer-executable instructions further cause the wireless communications device to:

present the plurality of locations by scrolling the plurality of different locations on the display.

26. The non-transitory computer-readable medium of claim 21, wherein the computer-executable instructions further cause the wireless communications device to:

present, on the display of the wireless communications device, one or more categories of locations;

wherein the second data is received responsive to selection of a selected category from the one or more categories of locations, and wherein the second data is further based at least in part on the selected category.

28. The non-transitory computer-readable medium of claim 21, wherein the computer-executable instructions further cause the wireless communications device to:

receive, from the server system, additional data associated with the selected location, the additional data comprising data indicating the geographical position of the selected location; and

present the geographical position of the selected location on the display of the wireless device.

29. The non-transitory computer-readable medium of claim 21, wherein the computer-executable instructions further cause the wireless communications device to:

transmit, to the server system, update data including an update to be associated with the selected location.

30. The non-transitory computer-readable medium of claim 21, wherein the computer-executable instructions further cause the wireless communications device to:

determine a location of a wireless network site from which the wireless communications device is currently receiving wireless communications service;

wherein the first data is based at least in part on the location of the wireless network site.