Abstract: To improve security for processing of financial transactions on a customer's account, particularly for users of mobile devices, the examples authenticate the customer or user in an effective manner and/or transfer funds upon successful authentication, using intelligence of the customers' mobile devices. The present approach uses an identifier of the mobile device or user at the mobile device. The user is authenticated for a particular desired transaction based on some number of authentication factors, one or more of which is a biometric input. The user authentication technique, e.g. factors used and/or precision of matching of received user authentication factors to reference factors, can be varied based on a variety of parameters, such as transaction amount, time, device location, history of prior transactions or history of other aspects of device usage. The processing avoids storage of sensitive customer data, e.g. account number at a merchant and/or at the customer's mobile device.

Abstract: To improve security for processing of financial transactions on a customer's account, particularly for users of mobile devices, the examples authenticate the customer or user in an effective manner and/or transfer funds upon successful authentication, using intelligence of the customers' mobile devices. The present approach uses an identifier of the mobile device or user at the mobile device. The user is authenticated for a particular desired transaction based on some number of authentication factors, one or more of which is a biometric input. The user authentication technique, e.g. factors used and/or precision of matching of received user authentication factors to reference factors, can be varied based on a variety of parameters, such as transaction amount, time, device location, history of prior transactions or history of other aspects of device usage. The processing avoids storage of sensitive customer data, e.g. account number at a merchant and/or at the customer's mobile device.

Abstract: The usage limited postpay service, for mobile wireless communication customers, utilizes a governor platform that estimates all appropriate usage charges and applies those charges in substantially real-time against a pre-set spending cap or limit for each customer. When the customer reaches the limit based on estimated charges, further usage is prohibited, even if the customer reaches the limit during an ongoing call or communication session. The actual bill for service, however, is generated in the normal manner after calls made or received during each billing cycle of the postpay service. The customer may deposit money or make payments against billed amounts, to reset the limit in the database associated with the governor platform. Use of the postpay billing approach allows the carrier to offer the cap or limit on essentially any of the carrier's normal postpay service plans, for example, including any or all of the carriers one-rate service plans.