Geo-location based authentication in a mobile point-of-sale terminal

An authentication method based on information concerning a behavior pattern or a shopping habit of a user, comprising the steps of:

• recording a plurality of geo-location data of a mobile device using its real-time location tracking function into a secure memory of the mobile device;
• generating and updating the information concerning the behavior pattern or the shopping habit based on the plurality of geo-location data by use of a secure processor of the mobile device;
• storing the information concerning the behavior pattern or the shopping habit in the secure memory and prohibiting the information from being transmitted outside the mobile device;
• receiving a request from the user to make a trusted transaction;
• and
• verifying, by use of a verification/authentication (V/A) unit of the mobile device, the trusted transaction according to the information concerning the behavior pattern or the shopping habit and a real-time geo-location that is associated with the trusted transaction.

An authentication method based on a geo-location of a mobile device, comprising the steps of:

• storing a plurality of geo-location data in a secure memory of a mobile device using a real-time location tracking function of the mobile device;
• prohibiting the plurality of geo-location data from being transmitted outside the mobile device;
• determining the geo-location of the mobile device using the real-time location tracking function, when a user makes a request for a trusted transaction via the mobile device;
• extracting from the plurality of geo-location data, by use of a secure processor of the mobile device, a location of a retailer involved in the trusted transaction;
• comparing the geo-location of the mobile device and the location of the retailer;
• and
• authenticating, by use of a verification/authentication (V/A) unit of the mobile device, the trusted transaction when these two locations are consistent.