US 12,002,032 B2
System, method and article of manufacture to facilitate a financial transaction for secondary users based on passive authentication without unlocking a mobile device
Ramraj Soundararajan, Lorton, VA (US)
Assigned to RAID ONE IP LLC, Tampa, FL (US)
Filed by AVANT-GARDE IP LLC, Lorton, VA (US)
Filed on Feb. 15, 2021, as Appl. No. 17/176,105.
Application 17/176,105 is a continuation of application No. 16/285,188, filed on Feb. 25, 2019, granted, now 10,922,676.
Application 16/285,188 is a continuation of application No. 13/896,321, filed on May 16, 2013, granted, now 10,217,103, issued on Feb. 26, 2019.
Prior Publication US 2021/0166214 A1, Jun. 3, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3274 (2013.01) [G06Q 20/322 (2013.01); G06Q 20/40145 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A non-transitory computer-readable storage medium having instructions stored thereon that, when executed on a processor of a mobile device, performs the method steps of:
(a) maintaining, in the mobile device, a profile storing authentication data of a primary user of the mobile device and authentication data of a secondary user of the mobile device
(b) determining the mobile device is at a business location;
(c) passively authenticating a user of the mobile device by determining that the user is the secondary user, and based on determining the user is the secondary user and based on the mobile device being at the business location, displaying an image over a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image comprises a scanning code associated with a financial account of the primary user, the scanning code configured to be used at a point of sale (POS) terminal at the business location as part of a financial transaction associated with the secondary user; and
(d) wherein power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction,
(e) wherein the financial account is a credit account provided to the primary user by the business location, the credit account covering a cost of a purchase associated with the financial transaction of the secondary user in a card-not-present environment.