System, method and article of manufacture to facilitate a financial transaction for primary and secondary users based on passive authentication without unlocking a mobile device
A profile is maintained in a mobile device for storing authentication data associated with a primary user of a mobile device, and at least one secondary user that is authorized to use the mobile device. When the mobile device is at a business location, the secondary user is passively authenticated, and upon successful authentication: an image is displayed over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, and a financial transaction (e.g., a cloud-based transaction) is facilitated at the business location based on the scanning code without unlocking the mobile device, wherein the financial transaction associated with a financial account of the primary user. Power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction.
1. A method to conserve power in a mobile device comprising:
(a) maintaining, in the mobile device, a profile storing authentication data associated with: (1) a primary user of a mobile device, and (2) at least one secondary user that is authorized to use the mobile device;
(b) identifying the mobile device is at a business location;
(c) passively authenticating the at least one secondary user based on the mobile device being at the business location, and upon successful authentication:
(c1) displaying an image over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code,
(c2) facilitating a financial transaction at the business location based on the scanning code without unlocking the mobile device, the financial transaction associated with a financial account of the primary user;
(d) wherein power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction, and
(e) wherein the financial transaction is cloud-based, wherein a payment provider automatically covers a cost of a purchase associated with the financial transaction with issuer linked funds, and wherein the payment provider charges a cloud-linked user account in a card-not-present environment.
2. The method of claim 1 , wherein said scanning code is any of the following: QR code, or a barcode.
3. The method of claim 1 , wherein the identifying step in (b) is based on GPS location data.
4. The method of claim 1 , wherein the mobile device is any of the following: a mobile phone, a tablet, a portable gaming device or a digital music player.
5. The method of claim 1 , wherein the passive authenticating step in (c) comprises passive speech recognition.
6. The method of claim 1 , wherein the identifying step in (b) is based upon a near field communication (NFC) interaction with a device at the business location.
7. The method of claim 6 , wherein the device at the business location is an NFC tag.
8. The method of claim 6 , wherein the device at the business location is a point-of-sale (POS) terminal.
9. The method of claim 1 , wherein the financial account is any of the following: a credit card account, a gift card account, or a credit account associated with the business location.
10. The method of claim 1 , wherein after step (c2), the method comprising replacing the image having the scanning code with another image showing the scanning code and a balance left on the financial account.
11. A mobile device comprising:
a processor;
a display;
storage storing computer readable programmable code, which when executed by the processor implements a method to conserve power in the mobile device having a lock screen wallpaper, the storage comprising computer readable program code to:
(a) maintain, in the mobile device, a profile storing authentication data associated with: (1) a primary user of a mobile device, and (2) at least one secondary user that is authorized to use the mobile device;
(b) identify the mobile device is at a business location;
(c) passively authenticate the at least one secondary user based on the mobile device being at the business location, and upon successful authentication:
(c1) display an image over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code,
(c2) facilitate a financial transaction at the business location based on the scanning code without unlocking the mobile device, the financial transaction associated with a financial account of the primary user;
(d) wherein power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction, and
(e) wherein the financial transaction 1s cloud-based, wherein a payment provider automatically covers a cost of a purchase associated with the financial transaction with issuer linked funds, and wherein the payment provider charges a cloud-linked user account in a card-not-present environment.
12. The mobile device of claim 11 , wherein the scanning code is any of the following: QR code, or a barcode.
13. The mobile device of claim 11 , wherein the identify step in (b) is based on GPS location data.
14. The mobile device of claim 11 , wherein the mobile device is any of the following: a mobile phone, a tablet, a portable gaming device or a digital music player.
15. The mobile device of claim 11 , wherein the passive authenticate step in (c) comprises passive speech recognition.
16. The mobile device of claim 11 , wherein the identify step in (b) is based upon a near field communication (NFC) interaction with a device at the business location.
17. The mobile device of claim 16 , wherein the device at the business location is an NFC tag.
18. The mobile device of claim 11 , wherein the financial account is any of the following: a credit card account, a gift card account, or a credit account associated with the business location.
19. The mobile device of claim 11 , wherein after step (c2), the storage comprising computer readable program code to replace the image having the scanning code with another image showing the scanning code and a balance left on the financial account.
20. A mobile device comprising:
a processor;
a display;
storage storing computer readable programmable code, which when executed by the processor implements a method to conserve power in the mobile device having a lock screen wallpaper, the storage comprising computer readable program code to:
(a) maintain, in the mobile device, a profile storing authentication data associated with: (1) a primary user of a mobile device, and (2) at least one secondary user that is authorized to use the mobile device;
(b) identify the mobile device is at a business location;
(c) passively authenticate the at least one secondary user based on the mobile device being at the business location, and upon successful authentication:
(c1) display an image over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code,
(c2) facilitate a financial transaction at the business location based on the scanning code without unlocking the mobile device, the financial transaction associated with a financial account of the primary user, and
(c3) upon successful completion of the financial transaction, replacing the image with another image showing the scanning code and a balance left on the financial account of the primary user;
(d) wherein power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction, and
(e) wherein the financial transaction 1s cloud-based, wherein a payment provider automatically covers a cost of a purchase associated with the financial transaction with issuer linked funds, and wherein the payment provider charges a cloud-linked user account in a card-not-present environment.