Patent ID: 8712375
Filing Date: 2014-04-29
Classification: G06Q

Abstract:
1. A method for enhancing the security of a transaction payment, comprising: receiving, at a service provider, a request message from a mobile subscriber, said request message being associated with a payment portion of a transaction and including a payment amount; extracting from the request message at least the amount of the transaction; performing one or more processing steps using, at least in part, the amount of the transaction and a user profile comprising information previously supplied by the mobile subscriber and yielding, at least in part, an authorization code; augmenting the user profile with data about the mobile subscriber supplied from at least one source other than the mobile subscriber; generating a response message containing, at least in part, the authorization code and an advertisement responsive to the augmented user profile; dispatching to said mobile subscriber said response message, wherein prior to yielding the authorization code, triggering, based on criteria defined by the Mobile Subscriber, a further approval sequence for the transaction, and wherein the criteria are received at the service provider from the mobile subscriber during a prior registration process with the service provider, and wherein the criteria include an aggregate dollar amount that is compared to a cumulative dollar amount resulting from multiple occurrences of received request messages each having a respective payment amount.