发明名称 |
CREDIT AND DEBIT CARD TRANSACTION APPROVAL USING LOCATION VERIFICATION |
摘要 |
<p>In one embodiment, an online credit or debit card transaction is processed by transmitting purchase information, including price of the purchase item and card number, to the company that issued the card. In addition, the location from which the purchase is made is calculated, e.g., using a GPS device, and the location data is transmitted to the card issuer. The card issuer determines if the purchase meets certain specified approval requirements, such as whether the card holder has sufficient funds, the card has been reported missing, or card holder's personal information is correct. Further, the card issuer compares the location data to a number of predetermined purchase locations specified by the customer. If the location data matches one of the predetermined locations and the specified approval requirements are met, then the purchase is approved.</p> |
申请公布号 |
WO2009085045(A1) |
申请公布日期 |
2009.07.09 |
申请号 |
WO2007US89019 |
申请日期 |
2007.12.28 |
申请人 |
AGERE SYSTEMS INC.;HARGROVE, MARK, A.;JOHANSON, JAMES, A.;REINHOLD, STANLEY |
发明人 |
HARGROVE, MARK, A.;JOHANSON, JAMES, A.;REINHOLD, STANLEY |
分类号 |
G06Q20/40;H04W4/02 |
主分类号 |
G06Q20/40 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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