Providing biometric security for mobile loyalty services via a native mobile application

Patent metadata

Field	Value
Publication number	US-2016267485-A1
Application number	US-201514841509-A
Country	US
Kind code	A1
Filing date	Aug 31, 2015
Priority date	Mar 11, 2015
Publication date	Sep 15, 2016
Grant date	—

Abstract

In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services. A time corresponding to a determination of the physical location of the mobile device is accessed. A date corresponding to a determination of the physical location of the mobile device is accessed. Biometrics of the user of the mobile device is accessed. Biometric security of the single native mobile application is provided based on the physical location, the time corresponding to a determination of the physical location of said mobile device, the dare corresponding to a determination of the physical location of the mobile device, and the biometrics of the user.

First claim

What is claimed is:

1 . A computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application, said computer-implemented method comprising:
accessing a physical location of a mobile device by a native mobile application executing on said mobile device, wherein said physical location is accessed in response to a user initiating said mobile loyalty services; accessing a biometrics of said user of said mobile device; and providing a biometric security of said native mobile application based on said physical location of said mobile device and said biometrics of said user.

2 . The computer-implemented method of claim 1 , further comprising:
accessing a time corresponding to a determination of said physical location of said mobile device; and providing said biometric security of said native mobile application based on said physical location of said mobile device, said time corresponding to said determination of said physical location of said mobile device, and said biometrics of said user.

3 . The computer-implemented method of claim 1 , further comprising:
accessing a date corresponding to a determination of said physical location of said mobile device; and providing said biometric security of said native mobile application based on said physical location of said mobile device, said date corresponding to said determination of said physical location of said mobile device, and said biometrics of said user.

4 . The computer-implemented method of claim 1 , further comprising:
accessing a time corresponding to a determination of said physical location of said mobile device; accessing a date corresponding to a determination of said physical location of said mobile device; and providing said biometric security of said native mobile application based on said physical location of said mobile device, said time corresponding to said determination of said physical location of said mobile device, said date corresponding to said determination of said physical location of said mobile device, and said biometrics of said user.

5 . The computer-implemented method of claim 1 , further comprising:
utilizing a global positioning system coupled with said mobile device for accessing said physical location of said mobile device.

6 . The computer-implemented method of claim 1 , further comprising:
utilizing a beacon array in conjunction with said mobile device for accessing said physical location of said mobile device.

7 . The computer-implemented method of claim 1 , wherein said mobile loyalty services comprise a mobile virtual credit account issued by a vendor of said native mobile application.

8 . The computer-implemented method of claim 1 , wherein said providing biometric security further comprises:
allowing access to said mobile loyalty services via said native mobile application.

9 . A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a computing system to perform a method for providing biometric security for mobile loyalty services, the method comprising:
in response to a user initiating access to mobile loyalty services provided by a native mobile application executing on a mobile device:
accessing a biometrics of said user of said mobile device;
determining a physical location of said mobile device; and
providing biometric security of said native mobile application based on said biometrics of said user, and said physical location of said mobile device.

10 . The non-transitory computer-readable storage medium of claim 9 , further comprising:
in response to a user initiating access to mobile loyalty services provided by a single native mobile application executing on a mobile device:
determining a time at which said biometrics are accessed; and
providing said biometric security of said native mobile application based on said biometrics of said user, said physical location of said mobile device, and said time at which said biometrics are accessed.

11 . The non-transitory computer-readable storage medium of claim 9 , further comprising:
in response to a user initiating access to mobile loyalty services provided by a single native mobile application executing on a mobile device:
determining a date at which said biometrics are accessed; and
providing said biometric security of said native mobile application based on said biometrics of said user, said physical location of said mobile device, and said date at which said biometrics are accessed.

12 . The non-transitory computer-readable storage medium of claim 9 , further comprising:
in response to a user initiating access to mobile loyalty services provided by a single native mobile application executing on a mobile device:
determining a time at which said biometrics are accessed;
determining a date at which said biometrics are accessed; and
providing said biometric security of said native mobile application based on said biometrics of said user, said physical location of said mobile device, said time at which said biometrics are accessed, and said date at which said biometrics are accessed.

13 . The non-transitory computer-readable storage medium of claim 9 , further comprising:
utilizing a global positioning system coupled with said mobile device for accessing said physical location of said mobile device.

14 . The non-transitory computer-readable storage medium of claim 9 , further comprising:
utilizing a beacon array in conjunction with said mobile device for accessing said physical location of said mobile device.

15 . The non-transitory computer-readable storage medium of claim 9 , wherein said mobile loyalty services comprises:
providing a mobile virtual credit account issued by a vendor of said native mobile application.

16 . A system to provide biometric security for mobile loyalty services, said system comprising:
a mobile device, said mobile device comprising: a processor; a memory; and a display; and a native mobile application executed on said mobile device, said native mobile application configured to:
access a physical location of said mobile device in response to a user initiating said mobile loyalty services;
access a biometrics of said user of said mobile device; and
provide a biometric security of said native mobile application based on said physical location of said mobile device and said biometrics of said user.

17 . The system of claim 16 , wherein said native mobile application is further configured to:
access a time corresponding to a determination of said physical location of said mobile device; and provide said biometric security of said native mobile application based on said physical location of said mobile device, said time corresponding to said determination of said physical location of said mobile device, and said biometrics of said user.

18 . The system of claim 16 , wherein said native mobile application is further configured to:
access a date corresponding to a determination of said physical location of said mobile device; and provide said biometric security of said native mobile application based on said physical location of said mobile device, said date corresponding to said determination of said physical location of said mobile device, and said biometrics of said user.

19 . The system of claim 16 , wherein said native mobile application is further configured to:
access a time corresponding to a determination of said physical location of said mobile device; acc

Assignees

• Comenity Llc

Inventors

• Walz James
• Nack David
• Piatt Randall
• Koltnow Adam

Classifications

• H04W12/08

  Access security · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• G06Q30/0229

  Multi-merchant loyalty card systems · CPC title