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US 2010/0248779 A1Published application
Cardholder verification rule applied in payment-enabled mobile telephone
OwnerSimon Phillips, James J. Anderson +1inventors
InventorsSimon Phillips, James J. Anderson, Murdo Munro
Life of this patent
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Abstract
A method includes equipping a mobile telephone with a payment capability, and storing a cardholder verification rule in the mobile telephone. The method further includes the mobile telephone applying the stored rule to determine whether to require a user of the mobile telephone to perform a cardholder verification process.
Claims20
A method comprising:
- equipping a mobile telephone with a payment capability;
- storing a cardholder verification rule in the mobile telephone;
- and
- the mobile telephone applying the stored rule to determine whether to require a user of the mobile telephone to perform a cardholder verification process.
1 more element
A computer-implemented method comprising:
- a server computer determining a category to which a cardholder belongs, the cardholder having a payment card account;
- the server computer selecting a cardholder verification rule based on the determined category of the cardholder;
- and
- the server computer transmitting the cardholder verification rule to a mobile telephone owned by the cardholder.
1 more element
A proximity payment device, the proximity payment device shaped and sized to be held in the user's palm, the proximity payment device comprising:
- a processor;
- and
- a memory in communication with the processor, the memory storing a cardholder verification rule;
- the processor programmed to apply the cardholder verification rule to determine whether to require the user to perform a cardholder verification process.
1 more element
Dependencies are inferred from the claim text.