The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 16, 2014
Filed:
May. 15, 2012
Gregory G. Rose, San Diego, CA (US);
Craig B. Lauer, Poway, CA (US);
Alexander Gantman, Poway, CA (US);
Joan T. Waltman, Rancho Santa Fe, CA (US);
Gregory G. Rose, San Diego, CA (US);
Craig B. Lauer, Poway, CA (US);
Alexander Gantman, Poway, CA (US);
Joan T. Waltman, Rancho Santa Fe, CA (US);
QUALCOMM Incorporated, San Diego, CA (US);
Abstract
The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.