Appeal No. 2002-0819
Application No. 09/047,533
BACKGROUND
Appellant’s invention is directed to facilitating financial
transactions via a customer mobile terminal and transferring
funds between a customer account and a merchant account using a
tele/datacommunications network (TSN). The TSN confirms that the
customer mobile station is within a predetermined geographical
proximity of the merchant terminal before completing the transfer
of funds (specification, page 3). The TSN compares the GPS
location coordinates of the merchant terminal and the current GPS
coordinates of the customer mobile station to determine if they
are within an acceptable proximity range (specification, page 4).
Representative independent claims 1 and 21 are reproduced
below:
1. A method of facilitating automated payment from a
customer account of a customer financial institution to a
merchant account of a merchant financial institution, the
method including:
acquiring a merchant identifier and transaction amount
from a customer mobile station;
verifying the transaction amount with a merchant
terminal;
determining whether the customer mobile station and the
merchant terminal are within a predetermined geographical
proximity;
upon receipt of a verification from the merchant
terminal, requesting transfer of the transaction amount from
the customer account to the merchant account; and
2
Page: Previous 1 2 3 4 5 6 7 8 9 10 11 Next
Last modified: November 3, 2007