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    • 6. 发明申请
    • MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEMS
    • 移动商务认证和授权系统
    • WO2010141456A2
    • 2010-12-09
    • PCT/US2010036884
    • 2010-06-01
    • QUALCOMM INCROSE GREGORY GORDONLAUER CRAIG BWALTMAN JOAN T
    • ROSE GREGORY GORDONLAUER CRAIG BWALTMAN JOAN T
    • G06Q20/32G06Q20/20G06Q20/204G06Q20/425
    • Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.
    • 移动商务认证和授权系统使得当前现有的销售点设备既不在结构上也不是系统地改变,以便通过无线通信系统使用接入终端与客户进行金融交易。 销售点设备从支付工具替换中接收输入,其将该交易标识到销售点设备作为包括接入终端的交易。 至少通过应用接入终端的位置和/或位置确定特征,客户寻找的供应商或商家的销售点设备的位置和/或位置来实现接入终端的用户的认证 购买商品或服务,以及在销售点设备上输入的付款金额。 支付匹配服务器可以协助处理跨通信网络的位置数据和支付金额。