System and method for authorizing a mobile payment transaction
AssigneeLookout, Inc.
InventorsKevin Patrick Mahaffey, Brian James Buck
Life of this patent
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Abstract
A method for authorizing a mobile payment transaction is provided. The method includes receiving, by a server, a request to authorize a payment transaction which originates from a mobile payment point of sale (POS) module. In an embodiment, the request includes payment information of the payment transaction and location information of the POS module. When the request is received, an authorizing client device for the payment transaction is identified based on the payment information and a disposition of the request to authorize the payment transaction is determined based on whether the authorizing client device is located within a predetermined proximity to the POS module.
Claims38
A method for authorizing a mobile payment transaction, the method comprising:
- receiving, by a server, a request to authorize a payment transaction which originates from a mobile payment point of sale (POS) module, wherein the request includes payment information of the payment transaction, and information identifying the POS module;
- identifying, by the server, an authorizing client device for the payment transaction based on the payment information;
- determining, by the server, location information of the authorizing client device and location information of the POS module;
- and
- comparing, by the server, the location information of the authorizing client device to the location information of the POS module to determine a disposition of the request to authorize the payment transaction.
A method for authorizing a mobile payment transaction, the method comprising:
- receiving, by a server, a request to authorize a payment transaction which originates from a mobile payment point of sale (POS) module, wherein the request includes payment information of the payment transaction and information regarding the POS module;
- determining, by the server, whether information regarding an authorizing client device for the payment transaction has been received;
- and
- when the information regarding the authorizing client device has been received, determining a disposition of the request to authorize the payment transaction.
A system for authorizing a mobile payment transaction, the system comprising:
- a server coupled to at least one of a mobile payment point of sale (POS) module, a payment processing module, and at least one handheld client device;
- a storage component coupled to the server storing information relating to a user and to an authorizing client device associated with the user;
- and
- an anti-fraud service component hosted by the server and configured to:
- receive a request to authorize a payment transaction which originates from a mobile payment point of sale (POS) module, wherein the request includes payment information of the payment transaction, and information identifying the POS module;
- identify an authorizing client device for the payment transaction based on the payment information;
- determine location information of the authorizing client device and location information of the POS module;
- and
- compare the location information of the authorizing client device to the location information of the POS module to determine a disposition of the request to authorize the payment transaction.
A system for authorizing a mobile payment transaction, the system comprising:
- a server coupled to at least one of a mobile payment point of sale (POS) module, a payment processing module, and at least one handheld client device;
- a storage component coupled to the server storing information relating to a user and to an authorizing client device associated with the user;
- and
- an anti-fraud service component hosted by the server and configured to:
- receive a request to authorize a payment transaction which originates from the POS module, wherein the request includes payment information of the payment transaction and location information of the POS module;
- determine whether information regarding the authorizing client device has been received;
- and
- determine a disposition of the request to authorize the payment transaction when the information regarding the authorizing client device has been received.
A method for authorizing a mobile payment transaction, the method comprising:
- receiving, by a server, a request to authorize a payment transaction which originates from a mobile payment point of sale (POS) module, wherein the request includes payment information of the payment transaction and location information of the POS module;
- identifying, by the server, an authorizing client device for the payment transaction based on the payment information;
- and
- determining, by the server, a disposition of the request to authorize the payment transaction based on whether the authorizing client device is located within a predetermined proximity to the POS module.
Dependencies are inferred from the claim text.