US 2007/0184817 A1 · Location-based transaction authentication of wireless terminal

Abstract

A wireless terminal implements location-based transaction authentication and includes a wireless interface, a user interface, a Global Positioning System (GPS) receiver, and a processing unit. The wireless terminal receives a transaction request from the user, accesses a servicing network via the wireless interface, sends a transaction initiation request to the servicing network, receives an authentication challenge from the servicing network, and determines its current location via access of the GPS receiver. The wireless terminal prepares and transmits an authentication response based upon the received location. When the authentication response is accepted by the servicing network, the processing unit is able to service the transaction between the user and the servicing network. When the authentication response is rejected the transaction is not serviced. Relative location information and further user authentication may also be used.

Claims41

Dependent claims

1-20. (canceled)

A method for operating a wireless terminal to service a transaction, the method comprising:

receiving a transaction request from a user;
accessing a fixed terminal via a Wireless Personal Area Network (WPAN);
sending a transaction initiation request to the fixed terminal via the WPAN;
receiving an authentication challenge from the fixed terminal via the WPAN, the authentication challenge requesting location information from the wireless terminal;
accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal;
preparing an authentication response based upon both the current location of the wireless terminal and prior location information that is stored on the wireless terminal that was determined during at least one prior transaction;
transmitting the authentication response to the fixed terminal via the WPAN;
when the authentication response is accepted, servicing the transaction between the user and the fixed terminal via the WPAN;
and
when the authentication request is rejected, notifying the user.

7 more elements

A method for operating a wireless terminal to service a transaction comprising:

receiving a transaction request from a user;
accessing a fixed terminal via a Wireless Personal Area Network (WPAN);
sending a transaction initiation request to the fixed terminal via the WPAN;
receiving an authentication challenge from the fixed terminal via the WPAN, the authentication challenge requesting location information from the wireless terminal;
accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal;
determining a relative position of the wireless terminal with respect to a reference location;
preparing an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to the reference location;
transmitting the authentication response to the fixed terminal via the WPAN;
when the authentication response is accepted, servicing the transaction between the user and the fixed terminal via the WPAN;
and
when the authentication request is rejected, notifying the user.

8 more elements

A method for operating a wireless terminal to service a transaction, the method comprising:

receiving a transaction request from a user;
accessing a fixed terminal via a Wireless Personal Area Network (WPAN);
sending a transaction initiation request to the fixed terminal via the WPAN;
receiving an authentication challenge from the fixed terminal via the WPAN, the authentication challenge requesting location information from the wireless terminal;
accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal;
determining a relative position of the wireless terminal with respect to a reference location by:
preparing a user query based upon the authentication challenge;
presenting the user query to the user;
receiving a response from the user;
and
determining the relative position of the wireless terminal with respect to the reference location based upon the response from the user;
preparing an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to the reference location;
transmitting the authentication response to the fixed terminal via the WPAN;
when the authentication response is accepted, servicing the transaction between the user and the fixed terminal via the WPAN;
and
when the authentication request is rejected, notifying the user.

13 more elements

A method for operating a wireless terminal to service a transaction, the method comprising:

receiving a transaction request from a user;
accessing a fixed terminal via a Wireless Personal Area Network (WPAN) interface of the wireless terminal;
sending a transaction initiation request to the fixed terminal via the WPAN interface;
receiving an authentication challenge from the fixed terminal via the WPAN interface, the authentication challenge requesting a relative position of the wireless terminal with respect to the fixed terminal;
determining its relative position with respect to the fixed terminal using the WPAN interface;
preparing an authentication response based upon its relative position with respect to the fixed terminal;
transmitting the authentication response to the fixed terminal via the WPAN interface;
when the authentication response is accepted, servicing the transaction between the user and the fixed terminal via the WPAN interface;
and
when the authentication request is rejected, notifying the user.

7 more elements

A wireless terminal comprising:

a Wireless Personal Area Network (WPAN) interface;
a user interface;
a Global Positioning System (GPS) receiver;
and
a processing unit coupled to the WPAN interface, to the user interface, and to the GPS receiver, the processing unit operable to:
receive a transaction request from a user via the user interface;
access a fixed terminal using the WPAN interface;
send a transaction initiation request to the fixed terminal via the WPAN interface;
receive an authentication challenge from the fixed terminal via the WPAN interface, the authentication challenge requesting location information from the wireless terminal;
access the GPS receiver of the wireless terminal to determine a current location of the wireless terminal;
prepare an authentication response based upon both the current location of the wireless terminal and prior location information that is stored on the wireless terminal that was determined during at least one prior transaction;
transmit the authentication response to the fixed terminal via the WPAN interface;
when the authentication response is accepted, service the transaction between the user and the fixed terminal via the WPAN interface;
and
when the authentication request is rejected, notify the user via the user interface.

12 more elements

A wireless terminal comprising:

a Wireless Personal Area Network (WPAN) interface;
a user interface;
a Global Positioning System (GPS) receiver;
and
a processing unit coupled to the WPAN interface, to the user interface, and to the GPS receiver, the processing unit operable to:
receive a transaction request from a user via the user interface;
access a fixed terminal via the WPAN interface;
send a transaction initiation request to the fixed terminal via the WPAN interface;
receive an authentication challenge from the fixed terminal via the WPAN interface, the authentication challenge requesting location information from the wireless terminal;
access the GPS receiver to determine a current location of the wireless terminal;
determine a relative position of the wireless terminal with respect to a reference location;
prepare an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to the reference location;
transmit the authentication response to the fixed terminal via the WPAN interface;
when the authentication response is accepted, service the transaction between the user and the fixed terminal via the WPAN interface;
and
when the authentication request is rejected, notify the user via the user interface.

13 more elements

A wireless terminal comprising:

a Wireless Personal Area Network (WPAN) interface;
a user interface;
a Global Positioning System (GPS) receiver;
and
a processing unit coupled to the WPAN interface, to the user interface, and to the GPS receiver, the processing unit operable to:
receive a transaction request from a user;
access a fixed terminal via the WPAN interface;
send a transaction initiation request to the fixed terminal via the WPAN interface;
receive an authentication challenge from the fixed terminal via the WPAN interface, the authentication challenge requesting location information from the wireless terminal;
accessing the GPS receiver of the wireless terminal to determine a current location of the wireless terminal;
determine a relative position of the wireless terminal with respect to a reference location by:
preparing a user query based upon the authentication challenge;
presenting the user query to the user via the user interface;
receiving a response from the user via the user interface;
and
determining the relative position of the wireless terminal with respect to the reference location based upon the response from the user;
prepare an authentication response based upon both the current location of the wireless terminal and the relative position of the wireless terminal with respect to the reference location;
transmit the authentication response to the fixed terminal via the WPAN interface;
when the authentication response is accepted, service the transaction between the user and the fixed terminal via the WPAN interface;
and
when the authentication request is rejected, notifying the user via the user interface.

18 more elements

A wireless terminal comprising:

a Wireless Personal Area Network (WPAN) interface;
a user interface;
a Global Positioning System (GPS) receiver;
and
a processing unit coupled to the WPAN interface, to the user interface, and to the GPS receiver, the processing unit operable to:
receive a transaction request from a user via the user interface;
access a fixed terminal via the WPAN interface of the wireless terminal;
sending a transaction initiation request to the fixed terminal via the WPAN interface;
receive an authentication challenge from the fixed terminal via the WPAN interface, the authentication challenge requesting a relative position of the wireless terminal with respect to the fixed terminal;
determine a relative position of the wireless terminal with respect to the fixed terminal using the WPAN interface;
preparing an authentication response based upon its relative position with respect to the fixed terminal;
transmitting the authentication response to the fixed terminal via the WPAN interface;
when the authentication response is accepted, servicing the transaction between the user and the fixed terminal via the WPAN interface;
and
when the authentication request is rejected, notifying the user.

12 more elements

Dependencies are inferred from the claim text.

Location-based transaction authentication of wireless terminal

Life of this patent

Location-based transaction authentication of wireless terminal

Life of this patent

Abstract

Claims41