Methods for performing internet processes using global positioning and other means

• US 9,785,942 B2
• Filed: 12/01/2015
• Issued: 10/10/2017
• Est. Priority Date: 09/25/2000
• Status: Expired due to Fees

• Current Assignee: eCardless Bancorp Ltd.
• Original Assignee: eCardless Bancorp Ltd.
• Inventors: Sines, Randy D., Gregory, Randy A.
• Primary Examiner(s): Hayes, John
• Assistant Examiner(s): Winter, John M
• Application Number:
  US14/956,109
• Publication Number:
  US 20160086178A1
• Time in Patent Office: 679 Days
• Field of Search: 705 44
• CPC Class Codes: G01S 19/42 Determining position
• 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 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds

Abstract

Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized global positioning satellite or other secure location information, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer which provides order information. Such order information includes verification variables used by the bank. Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant.

Claims

1. A method for a financial provider to verify a payment transaction between a customer and a merchant, comprising:

receiving, by at least one processor, computer identification information and a plurality of changeable authentication or changeable verification parameters from a merchant computer device;

performing, by at least one processor, a first verification procedure using the plurality of changeable authentication or changeable verification parameters and the computer identification information from the merchant computer device to determine that the merchant is authorized to use the merchant computer device;

linking, by at least one processor, the merchant computer device with a first account based on the computer identification information from the merchant computer device;

accessing, by at least one processor of the financial provider, a positioning location indicative of a physical location of the merchant computer device for the purpose of conducting the payment transaction, wherein the positioning location includes position data obtained from a GPS sensor of the merchant computer device;

performing, by at least one processor of the financial provider, a second verification procedure utilizing the positioning location from the merchant computer device to verify that the merchant computer device is at an authorized location;

determining, by at least one processor, that the merchant is authorized to use the first account in the payment transaction based on the first and second verification procedures;

receiving, by at least one processor, computer identification information from a customer computer device;

linking, by at least one processor, the customer computer device with a second account based on the computer identification information from the customer computer device;

receiving, by at least one processor, a payment transaction request;

generating, by at least one processor, a transaction identifier in response to the payment transaction request for said transaction based on the first and second verification procedures; and

assuring, by at least one processor, payment between the first account and the second account using said transaction identifier.

2. The method of claim 1, wherein the transaction identifier is not useful in determining a customer account number or similar customer account information which may be used to make fraudulent charges against the customer account.

3. The method of claim 1, wherein the payment transaction request is initiated by the customer computer.

4. The method of claim 1, wherein the payment transaction request is initiated by the merchant computer.

5. The method of claim 1, further comprising:

accessing, by at least one processor of the financial provider, a customer positioning location indicative of the customer computer device for the purpose of conducting the payment transaction, wherein the customer positioning location includes position data obtained from a GPS sensor of the customer computer device.

6. The method of claim 5, further comprising:

performing, by at least one processor of the financial provider, a third verification procedure utilizing the customer positioning location from the customer computer to verify that the customer device is at a customer authorized location.

7. A method for verifying a transaction between a customer using a customer computer and a merchant that offers goods and/or services, wherein a financial provider verifies the transaction in association with a customer account and assures payment to the merchant, comprising:

storing customer account information in memory using a processor of the customer computer, said account information including a computer identification code identifying the customer computer as an authorized customer computer;

communicating, from the customer computer to a financial provider computer, customer verification information that authenticates the customer as acceptable for conducting transactions against said customer account;

communicating, from the customer computer to the financial provider computer, the computer identification code that verifies said customer computer is an authorized computer associated with the customer account;

obtaining, by the customer computer, a positioning location from a GPS sensor of the customer computer indicative of a physical location of the customer computer for the purpose of conducting the payment transaction;

communicating from the customer computer the positioning location to the financial provider computer;

receiving a verification communication from the financial provider computer regarding a first verification procedure based on the customer verification information and the computer identification code that determines whether the customer is authorized to use the customer computer in connection with the transaction and regarding a second verification procedure utilizing the positioning location from the customer computer that verifies that the customer computer is at an authorized location;

communicating a transaction identifier from the customer computer to the merchant computer that is not useful in determining a customer account number or similar customer account identification which may be used to make fraudulent charges against the customer account; and

receiving assurance of payment by the financial provider to the merchant, the assurance indicating that the customer account will be charged in association with the transaction.

8. The method of claim 7 wherein communicating between the customer computer and the merchant computer is conducted via a non-internet communication linkage.

9. The method of claim 7 wherein the customer account information includes personal identification information that is used to authenticate the customer as acceptable for conducting transactions against said customer account, and wherein said personal identification information is input into the customer computer during the transaction.

10. The method of claim 9 wherein the verification communication includes an indication that the customer is acceptable for conducting transactions against said customer account using the personal identification information input into the customer computer during the transaction.

11. The method of claim 7 and further comprising:

displaying on the customer computer payment options associated with the customer.

12. The method of claim 7, wherein during the transaction, encrypted communication linkages are established with the financial provider computer.

13. A method for verifying a transaction between a customer using a customer computer and a merchant that offers goods and/or services, wherein a financial provider verifies the transaction in association with a customer account and assures payment to the merchant, comprising:

storing merchant account information in memory using a processor of the merchant computer, said account information including a computer identification code identifying the merchant computer as an authorized merchant computer;

communicating, from the merchant computer to a financial provider computer, merchant verification information that authenticates the merchant as acceptable for conducting transactions with the financial provider;

communicating, from the merchant computer to the financial provider computer, the computer identification code that verifies said merchant computer is an authorized computer associated with the merchant account;

obtaining, by the merchant computer, a positioning location from a GPS sensor of the merchant computer indicative of a physical location of the merchant computer for the purpose of conducting the payment transaction;

communicating from the merchant computer the positioning location to the financial provider computer;

receiving a verification communication from the financial provider regarding a first verification procedure based on the merchant verification information and the computer identification code that determines whether the merchant is authorized to use the merchant computer in connection with the transaction and regarding a second verification procedure utilizing the positioning location from the merchant computer that verifies that the merchant computer is at an authorized location;

assembling order information for a customer order using the merchant computer, said assembling step including an amount of charges associated with the goods and/or services;

receiving customer verification information from the customer computer in association with the customer order that is not useful in determining a customer account number or similar customer account identification which may be used to make fraudulent charges against the customer account;

communicating a transaction identifier from the merchant computer to the financial provider computer based on the customer verification information; and

receiving assurance of payment by the financial provider based on verification of the transaction identifier provided by the merchant computer.

14. The method of claim 13 wherein receiving the customer verification information is conducted via a non-internet communication linkage.

15. The method of claim 13, wherein during the transaction, encrypted communication linkages are established with the financial provider computer.