Patent ID: 8744429

Claim:
A method comprising: receiving a first request for a credit transaction to occur; providing, to a mobile device, a message via a wireless communication network, the message serving as a request for information related to authenticating the credit transaction and causing the request to be conditionally handled by autonomous servicing of the received message by the mobile device based at least in part on a service context that is based on data including one or more of data about a user of the mobile device, data about the internal operating condition of the mobile device, or data about the external environment of the mobile device, the information related to authenticating the credit transaction being based at least in part on the conditioned autonomous servicing of the received message; wherein the service context includes at least one of a current geographical location of the mobile device or a geographical location of the credit transaction based at least in part on some of the one or more of the data about the user of the mobile device, the data about the internal operating condition of the mobile device, or the data about the external environment of the mobile device; receiving, from the mobile device, a response to the providing of the message, the response including the information related to authenticating the credit transaction; and determining, based on the information related to authenticating the credit transaction, whether to facilitate the credit transaction.