Patent ID: 7418267

Claim:
A method for operating a wireless terminal to service a transaction, the method comprising: receiving a transaction request from a user; accessing a fixed terminal via a Wireless Personal Area Network (WPAN); sending a transaction initiation request to the fixed terminal via the WPAN; receiving an authentication challenge from the fixed terminal via the WPAN, the authentication challenge requesting location information from the wireless terminal; accessing a Global Positioning System (GPS) receiver of the wireless terminal to determine a current location of the wireless terminal; preparing an authentication response based upon both the current location of the wireless terminal and prior location information that is stored on the wireless terminal that was determined during at least one prior transaction; transmitting the authentication response to the fixed terminal via the WPAN; when the authentication response is accepted, servicing the transaction between the user and the fixed terminal via the WPAN; and when the authentication request is rejected, notifying the user.