System and method for controlling financial transactions over a wireless network

Patent metadata

Field	Value
Publication number	US-9111271-B2
Application number	US-201414477663-A
Country	US
Kind code	B2
Filing date	Sep 4, 2014
Priority date	Dec 23, 1997
Publication date	Aug 18, 2015
Grant date	Aug 18, 2015

Abstract

A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.

First claim

What is claimed is:

1. A method comprising, on a wireless communications device:
transmitting, to a server system, first data indicative of a geographic area in which the wireless communications device is currently located;
receiving, from the server system, second data comprising data identifying a plurality of locations based at least in part on the first data;
presenting, on a display of the wireless communications device, the plurality of locations identified by the second data;
receiving user input representing a selected location of the plurality of locations; and
transmitting, to the server system, third data indicative of the selected location, wherein the third data is transmitted to associate a user of the wireless communications device with the selected location.

2. The method of claim 1 , wherein the presenting the plurality of different locations on the display of the wireless communications device is to request user input indicative of the presence of the user at the selected location.

3. The method of claim 1 , wherein the second data further comprises an order of presentation of the plurality of locations, the order of presentation being based at least in part on a profile of the user stored at the server system; and
the presenting of the plurality of locations is based at least in part on the order of presentation.

4. The method of claim 1 , wherein the second data is further based at least in part on a profile of the user stored at the server system.

5. The method of claim 1 , wherein the plurality of locations is more than can be presented on the display simultaneously, the method further comprising presenting the plurality of locations by scrolling the plurality of different locations on the display.

6. The method of claim 1 , further comprising:
presenting, on the display of the wireless communications device, one or more categories of locations;
wherein the second data is received responsive to selection of a selected category from the one or more categories of locations, and wherein the second data is further based at least in part on the selected category.

7. The method of claim 6 , wherein the one or more categories include a category selected from the group consisting of retail stores, gas stations, ATMs and vending machines.

8. The method of claim 1 , further comprising: receiving, from the server system, additional data associated with the selected location.

9. The method of claim 8 , wherein the additional data comprises data indicating the geographical position of the selected location; the method further comprising:
presenting the geographical position of the selected location on the display of the wireless device.

10. The method of claim 1 , further comprising: transmitting, to the server system, update data including an update to be associated with the selected location.

11. The method of claim 1 , wherein the first data is based at least in part on determining a location of a wireless network site from which the wireless communications device is currently receiving wireless communications service.

12. A server system comprising:
one or more processors;
a communication interface; and
storage storing computer-executable instructions,
wherein the computer-executable instructions, when executed by the one or more processors, cause the server system to:
receive, from a wireless communications device, first data indicative of a geographic area in which the wireless communications device is currently located;
determine a plurality of locations based at least in part on the first data;
transmit, to the wireless communications device, second data identifying the plurality of locations for presentation on a display of the wireless communications device;
receive, from the wireless communications device, third data indicative of a selected location of the one or more locations; and
associate a user of the wireless communications device with data relating to the selected location.

13. The server system of claim 12 , wherein the computer-executable instructions further cause the server system to:
determine an order of presentation of the plurality of different locations, the order of presentation being based at least in part on a profile of the user stored at the server system; and
include data of the order of presentation in the second data.

14. The server system of claim 12 , wherein the computer-executable instructions further cause the server system to:
determine the plurality of different locations further based at least in part on a profile of the user stored at the server system.

15. The server system of claim 12 , wherein the computer-executable instructions further cause the server system to:
update a profile of the user stored at the server system to indicate the presence of the user at the selected location.

16. The server system of claim 12 , wherein the computer-executable instructions further cause the server system to:
receive data of a selected category from the wireless communications device; and
determine the plurality of locations further based at least in part on the selected category.

17. The server system of claim 16 , wherein the selected category is selected from the group consisting of retail stores, gas stations, ATMs and vending machines.

18. The server system of claim 12 , wherein the computer-executable instructions further cause the server system to:
receive, from the wireless communications device, update data including an update to be associated with the selected location; and
update a profile of the user stored at the server system based at least in part on the update data.

19. The server system of claim 12 , wherein the first data is based at least in part on a location of a wireless network site from which the wireless communications device is currently receiving wireless communications service.

20. The server system of claim 12 , wherein the computer executable instructions further cause the server system to:
transmit additional data associated with the selected location, the additional data comprising data indicating the geographical position of the selected location for presentation on the display of the wireless communications device.

21. A non-transitory computer-readable medium having computer-executable instructions embodied thereon, the computer-executable instructions executable by a processor of a wireless communications device to cause the wireless communications device to:
transmit, to a server system, first data indicative of a geographic area in which the wireless communications device is currently located;
receive, from the server system, second data comprising data identifying a plurality of locations based at least in part on the first data indicative of a geographic area;
present, on a display of the wireless communications device, the plurality of locations identified by the second data;
receive user input representing a selected location of the plurality of locations; and
transmit, to the server system, third data indicative of the selected location, wherein the third data is transmitted to associate a user of the wireless communications device with the selected location.

22. The non-transitory computer-readable medium of claim 21 , and wherein the computer-executable instructions further cause the wireless communications device to:
present the plurality of different locations on the display of the wireless communications device thereby to request user in

Assignees

• Unwired Planet Llc

Inventors

• Dennis Charles L

Classifications

• H04L67/04

  specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability · CPC title

• H04M2215/0196

  Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking · CPC title

• G06Q20/3674

  involving authentication · CPC title

• G06F3/04842

  Selection of displayed objects or displayed text elements (G06F3/0482 takes precedence) · CPC title

• H04M2215/0176

  Billing arrangements using internet · CPC title