Wireless device electronic wallet transaction validation
First Claim
1. A method of providing a validation service for electronic wallet transactions, comprising:
- receiving a request to validate a given electronic wallet transaction between a wireless device and a merchant;
obtaining a current position of said wireless device;
comparing said current position of said wireless device to an expected location or region relating to said merchant; and
returning a validation response to said request, said validation response relating to validation of said given electronic wallet transaction, if said comparison results in an appropriate match.
3 Assignments
0 Petitions
Accused Products
Abstract
A wireless phone electronic wallet transaction is associated with a current location of the wireless device at the time of the transaction. The current location is compared to an entry in a database of associated merchants accepting electronic wallet transactions to the locations that they handle such transactions. If a match in location is found, the wireless phone electronic wallet transaction may be validated. If the wireless phone conducting the electronic wallet transaction is not at an expected or acceptable location at the time of the transaction, then the transaction may be flagged for possible fraudulent activity. At the time of the electronic wallet transaction, a software location based services (LBS) trigger is initiated by a wireless device to request validation of the transaction based on its current location.
224 Citations
26 Claims
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1. A method of providing a validation service for electronic wallet transactions, comprising:
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receiving a request to validate a given electronic wallet transaction between a wireless device and a merchant; obtaining a current position of said wireless device; comparing said current position of said wireless device to an expected location or region relating to said merchant; and returning a validation response to said request, said validation response relating to validation of said given electronic wallet transaction, if said comparison results in an appropriate match. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method of initiating a validated electronic wallet transaction from a wireless device, comprising:
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establishing a session with a merchant to accomplish an electronic wallet transaction; providing a current location of said wireless device from said wireless device in coordination with a validation request relating to the electronic wallet transaction; and accepting said validated electronic wallet transaction. - View Dependent Claims (8, 9, 10)
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11. A method of obtaining location-based validation of a given electronic wallet transaction, comprising:
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establishing a session with a wireless customer relating to an electronic wallet transaction; requesting location-based validation of said electronic wallet transaction based on a current location of said wireless customer; receiving location-based validation of said electronic wallet transaction; and accepting and completing said electronic wallet transaction based on said receipt of said location-based validation. - View Dependent Claims (12, 13)
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14. Apparatus for providing a validation service for electronic wallet transactions, comprising:
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means for receiving a request to validate a given electronic wallet transaction between a wireless device and a merchant; means for obtaining a current position of said wireless device; means for comparing said current position of said wireless device to an expected location or region relating to said merchant; and means for returning a validation response to said request, said validation response relating to validation of said given electronic wallet transaction, if said comparison results in an appropriate match. - View Dependent Claims (15, 16, 17, 18, 19)
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20. Apparatus for initiating a validated electronic wallet transaction from a wireless device, comprising:
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means for establishing a session with a merchant to accomplish an electronic wallet transaction; means for providing a current location of said wireless device from said wireless device in coordination with a validation request relating to the electronic wallet transaction; and means for accepting said validated electronic wallet transaction. - View Dependent Claims (21, 22, 23)
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24. Apparatus for obtaining location-based validation of a given electronic wallet transaction, comprising:
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means for establishing a session with a wireless customer relating to an electronic wallet transaction; means for requesting location-based validation of said electronic wallet transaction based on a current location of said wireless customer; means for receiving location-based validation of said electronic wallet transaction; and means for accepting and completing said electronic wallet transaction based on said receipt of said location-based validation. - View Dependent Claims (25, 26)
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Specification