Back to results
US 8,509,734 B1Granted
Location aware transaction authorization
AssigneeAmazon Technologies, Inc.
InventorsDiwakar Gupta, Paul C. Schattauer, Chih-Jen Huang, Kiran Kumar Meduri
Life of this patent
Estimating the term…
Abstract
A mobile payment network receives location information from mobile devices used to conduct transactions between two account holders, and qualifies any requested transactions based on the physical proximity of the two devices relative to each other.
Claims27
A method of securing transactions made between mobile devices, comprising:
- receiving a request from a first mobile device associated with a first account holder for a transfer of funds from the first account holder to a second account holder who is associated with a second mobile device, wherein the request includes first location information explicitly indicating an explicit location of the first mobile device;
- receiving second location information from the second mobile device, the second location information indicating a location of the second mobile device;
- determining proximity of the first and second mobile devices to each other based on the received first and second location information;
- and
- declining or authorizing the received request based on at least the proximity of the first and second mobile devices to each other.
2 more elements
A method of implementing payments, comprising:
- receiving a request for a payment from a first user account associated with a first mobile device to a second user account associated with a second mobile device, wherein the request includes first location information explicitly indicating an explicit location of the first mobile device;
- determining proximity of the first and second mobile devices based at least in part on the first location information;
- and
- conditioning the requested payment at least in part on the proximity of the first and second mobile devices.
1 more element
One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, perform acts comprising:
- associating a first account with a first mobile device;
- associating a second account with a second mobile device;
- receiving a request from one of the mobile devices for payment between the first and second accounts, wherein the request includes first location information explicitly indicating an explicit location of the first mobile device;
- receiving second location information from the second mobile device;
- determining proximity of the first and second mobile devices to each other based at least in part on the received first and second location information;
- and
- qualifying fulfillment of the payment request based at least in part on the determined proximity of the first and second mobile devices.
4 more elements
A payment processing system, comprising:
- a communications component that receives payment requests from wireless mobile devices;
- a payment authorization component that receives location information regarding at least one of the wireless mobile devices, wherein the location information received for the at least one of the wireless mobile devices is received with a payment request from the at least one of the wireless mobile devices, and wherein the location information explicitly indicates an explicit location of the at least one of the wireless mobile devices;
- and
- wherein the payment authorization component authorizes or denies a requested payment between two of the wireless mobile devices based at least in part on a proximity of the two wireless mobile devices to each other.
1 more element
Dependencies are inferred from the claim text.