Mobile commerce authentication and authorization system

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.

1 - 43 . (canceled) 
     
     
         44 . A method of authenticating and authorizing a financial transaction across mobile wireless communications system, the method comprising:
 installing one or more data processing systems in a mobile wireless communications instrument;   determining the location of the mobile wireless communications instrument;   determining the location of the point-of-sale device;   initiating a payment application;   matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application; and   approving the payment application.   
     
     
         45 . The method of  claim 44 , further comprising coupling the mobile wireless communications instrument and the point-of-sale device to a transaction matching subsystem to receive, process and transmit information. 
     
     
         46 . The method of  claim 44 , wherein installing one or more data processing systems in a mobile wireless communications instrument includes installing the one or more data processing systems in a cellular telephone. 
     
     
         47 . The method of  claim 44 , further comprising receiving a name of a vendor associated with the point-of-sale device. 
     
     
         48 . The method of  claim 44 , wherein determining the location of the point-of-sale device comprises receiving geographical coordinates associated with a vendor operating the point-of-sale device. 
     
     
         49 . The method of  claim 44 , further comprising receiving a name of a vendor associated with the point-of-sale device and geographical coordinates associated with the vendor. 
     
     
         50 . The method of  claim 44 , wherein matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application includes:
 confirming the location data; and   confirming the payment sum.   
     
     
         51 . The method of  claim 44 , further comprising:
 receiving an authorization for payment from the wireless communications system; and   transmitting the authorization for payment to the point-of-sale device.   
     
     
         52 . The method of  claim 44 , wherein the point-of-sale device comprises at least one of a terminal, a device functioning as a cash register, a peer-to-peer near field communications device, a contactless card terminal, an ISO 18092-compliant FeliCa card terminal, a credit card reader, a debit card reader, and an automated teller machine. 
     
     
         53 . The method of  claim 44 , wherein the mobile wireless communications instrument comprises at least one of a cellular telephone, a pager, a satellite telephone, a two-way pager, a personal digital assistant (“PDA”) having wireless capabilities, a portable computer having wireless capabilities, and a personal navigation device (“PND”). 
     
     
         54 . A computer system for authenticating and authorizing a financial transaction, the system comprising:
 a processor operable for:
 installing one or more data processing systems in a mobile wireless communications instrument; 
 determining the location of the mobile wireless communications instrument; 
 determining the location of the point-of-sale device; 
 initiating a payment application; 
 matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application; and 
 approving the payment application. 
   
     
     
         55 . The system of  claim 54 , wherein the processor is further operable for coupling the mobile wireless communications instrument and the point-of-sale device to a transaction matching subsystem to receive, process and transmit information. 
     
     
         56 . The system of  claim 54 , wherein installing one or more data processing systems in a mobile wireless communications instrument includes a processor operable for installing the one or more data processing systems in a cellular telephone. 
     
     
         57 . The system of  claim 54 , wherein the processor is further operable for receiving a name of a vendor associated with the point-of-sale device. 
     
     
         58 . The system of  claim 54 , wherein determining the location of the point-of-sale device comprises the processor is further operable for receiving geographical coordinates associated with a vendor operating the point-of-sale device. 
     
     
         59 . The system of  claim 54 , wherein the processor is further operable for receiving a name of a vendor associated with the point-of-sale device and geographical coordinates associated with the vendor. 
     
     
         60 . The system of  claim 54 , wherein matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application includes:
 a processor operable for confirming the location data; and   a processor operable for confirming the payment sum.   
     
     
         61 . The system of  claim 54 , further comprising:
 a processor operable for receiving an authorization for payment from the wireless communications system; and   a processor operable for transmitting the authorization for payment to the point-of-sale device.   
     
     
         62 . The system of  claim 54 , wherein the point-of-sale device comprises at least one of a terminal, a device functioning as a cash register, a peer-to-peer near field communications device, a contactless card terminal, an ISO 18092-compliant FeliCa card terminal, a credit card reader, a debit card reader, and an automated teller machine. 
     
     
         63 . The system of  claim 54 , wherein the mobile wireless communications instrument comprises at least one of a cellular telephone. a pager, a satellite telephone, a two-way pager, a personal digital assistant (“PDA”) having wireless capabilities, a portable computer having wireless capabilities, and a personal navigation device (“PND”). 
     
     
         64 . A computer system for managing one or more memory resources of a wireless handheld computing device, the system comprising:
 means for installing one or more data processing systems in a mobile wireless communications instrument;   means for determining the location of the mobile wireless communications instrument;   means for determining the location of the point-of-sale device;   means for initiating a payment application;   means for matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application; and   means for approving the payment application.   
     
     
         65 . The system of  claim 64 , further comprising means for coupling the mobile wireless communications instrument and the point-of-sale device to a transaction matching subsystem to receive, process and transmit information. 
     
     
         66 . The system of  claim 64 , wherein the means for installing one or more data processing systems in a mobile wireless communications instrument further includes means for installing the one or more data processing systems in a cellular telephone. 
     
     
         67 . The system of  claim 64 , further comprising means for receiving a name of a vendor associated with the point-of-sale device. 
     
     
         68 . The system of  claim 64 , wherein the means for determining the location of the point-of-sale device further comprises means for receiving geographical coordinates associated with a vendor operating the point-of-sale device. 
     
     
         69 . The method of  claim 64 , further comprising means for receiving a name of a vendor associated with the point-of-sale device and geographical coordinates associated with the vendor. 
     
     
         70 . The system of  claim 64 , wherein the means for matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application includes:
 means for confirming the location data; and   means for confirming the payment sum.   
     
     
         71 . The system of  claim 64 , further comprising:
 means for receiving an authorization for payment from the wireless communications system; and   means for transmitting the authorization for payment to the point-of-sale device.   
     
     
         72 . The system of  claim 64 , wherein the point-of-sale device comprises at least one of a terminal, a device functioning as a cash register, a peer-to-peer near field communications device, a contactless card terminal, an ISO 18092-compliant FeliCa card terminal, a credit card reader, a debit card reader, and an automated teller machine. 
     
     
         73 . The system of  claim 64 , wherein the mobile wireless communications instrument comprises at least one of a cellular telephone, a pager, a satellite telephone, a two-way pager, a personal digital assistant (“PDA”) having wireless capabilities, a portable computer having wireless capabilities, and a personal navigation device (“PND”). 
     
     
         74 . A computer program product comprising a computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method for authenticating and authorizing a financial transaction, said method comprising:
 installing one or more data processing systems in a mobile wireless communications instrument;   determining the location of the mobile wireless communications instrument;   determining the location of the point-of-sale device;   initiating a payment application;   matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application; and   approving the payment application.   
     
     
         75 . The computer program product of  claim 74 , wherein the program code implementing the method further comprises:
 coupling the mobile wireless communications instrument and the point-of-sale device to a transaction matching subsystem to receive, process and transmit information.   
     
     
         76 . The computer program product of  claim 74 , wherein installing one or more data processing systems in a mobile wireless communications instrument includes installing the one or more data processing systems in a cellular telephone. 
     
     
         77 . The computer program product of  claim 74 , wherein the program code implementing the method further comprises:
 receiving a name of a vendor associated with the point-of-sale device.   
     
     
         78 . The computer program product of  claim 74 , wherein determining the location of the point-of-sale device comprises receiving geographical coordinates associated with a vendor operating the point-of-sale device. 
     
     
         79 . The computer program product of  claim 74 , wherein the program code implementing the method further comprises:
 receiving a name of a vendor associated with the point-of-sale device and geographical coordinates associated with the vendor.   
     
     
         80 . The computer program product of  claim 74 , wherein matching the location of the mobile wireless communications instrument and of the point-of-sale device with the payment application includes:
 confirming the location data; and   confirming the payment sum.   
     
     
         81 . The computer program product of  claim 74 , wherein the program code implementing the method further comprises:
 receiving an authorization for payment from the wireless communications system; and   transmitting the authorization for payment to the point-of-sale device.   
     
     
         82 . The computer program product of  claim 74 , wherein the point-of-sale device comprises at least one of a terminal, a device functioning as a cash register, a peer-to-peer near field communications device, a contactless card terminal, an ISO 18092-compliant FeliCa card terminal, a credit card reader, a debit card reader, and an automated teller machine. 
     
     
         83 . The computer program product of  claim 74 , wherein the mobile wireless communications instrument comprises at least one of a cellular telephone, a pager, a satellite telephone, a two-way pager, a personal digital assistant (“PDA”) having wireless capabilities, a portable computer having wireless capabilities, and a personal navigation device (“PND”).