Mobile location notifications system and method

• US 10,074,106 B2
• Filed: 07/18/2016
• Issued: 09/11/2018
• Est. Priority Date: 09/13/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Hariramani, Prakash Prem
• Primary Examiner(s): Civan, Ethan D
• Application Number:
  US15/213,225
• Publication Number:
  US 20160350809A1
• Time in Patent Office: 785 Days
• Field of Search: 705 261- 272
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0639 Item locations

Abstract

Embodiments of the invention are directed to systems, apparatuses, and methods for determining the location of a mobile merchant, and performing further processing based on the determined location. Transaction data for a transaction conducted by a mobile merchant is electronically received at a server computer. The server computer determines a location of the mobile merchant based on the transaction data, and performs further processing based on the location of the mobile merchant.

Claims

1. A method, performed at least by a mobile access device associated with a mobile merchant, the method comprising:

electronically receiving data from a client device by the mobile access device of the mobile merchant;

after receiving the data from the client device, determining geographic location data, wherein the geographic location data is determined utilizing one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data; and

electronically transmitting transaction data including the geographic location data to a server computer, wherein the server computer;

determines a first location of the mobile merchant based the geographic location data in the transaction data; and

performs further processing based on the first location of the mobile merchant;

when the first location of the mobile merchant and a second location of the client device are within a threshold distance, a notification message is generated by the server computer that includes a graphical indication of the first location of the mobile merchant.

2. The method of claim 1, wherein the method further comprises:

determining a location of a second client device;

generating a notification including the first location of the mobile merchant; and

electronically transmitting the notification to the second client device.

3. The method of claim 2 further comprising generating an authorization request message including the transaction data, wherein electronically transmitting the transaction data comprises electronically transmitting the authorization request message.

4. The method of claim 2, wherein the transaction data is transmitted to the server computer in an authorization request message that requests an issuer computer of a payment account associated with the client device to authorize a transaction.

5. The method of claim 1, wherein a transaction time corresponds with a time the transaction data was transmitted to the server computer.

6. The method of claim 1, wherein the server computer is associated with a payment processing network.

7. The method of claim 1, further comprising:

receiving a second electronic message corresponding to a second transaction between the client device and the mobile merchant at the first location of the mobile merchant, wherein a client device location is a same location as the first location of the mobile merchant during the second transaction.

8. The method of claim 1, wherein the transaction data is first transaction data and wherein the method further comprises:

receiving second transaction data for a second transaction conducted by the mobile merchant, wherein the second transaction data is associated with a second client device, and wherein the second client device received the notification message about the mobile merchant after the mobile merchant transmitted the first transaction data to the server computer.

9. The method of claim 1, further comprising:

electronically transmitting coupon data from the mobile access device to the server computer, wherein the server is computer is associated with a payment processing network; and

receiving the coupon data from the client device.

10. The method of claim 1, wherein the server computer is configured to process electronic payment transactions and to provide clearing and settlement services.

11. A method, performed by a mobile access device associated with a mobile merchant, the method comprising:

electronically transmitting, by the mobile access device to a server computer, an electronic message, the electronic message corresponding to a transaction conducted by the mobile merchant and a first client device and including;

a first data element identifying a transaction time, the transaction time corresponding to a time the electronic message was transmitted, and

a second data element identifying a first location comprising a mobile merchant location, the mobile merchant location corresponding to a location of the mobile access device at the time the electronic message was transmitted, wherein the mobile merchant location is determined utilizing one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data; and

when the first location comprising the mobile merchant location and a second location of a second client device are within a threshold distance, communicating with the second client device, wherein the second client device received a notification from the server computer after the server computer received the electronic message corresponding to the transaction conducted by the mobile merchant and the first client device from the mobile access device, and wherein the notification includes a graphical indication of the mobile merchant location.

12. A mobile access device comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor for implementing a method comprising;

electronically transmitting to a server computer, an electronic message, the electronic message corresponding to a transaction conducted by the mobile access device and a first client device and including;

a first data element identifying a transaction time, the transaction time corresponding to a time the electronic message was transmitted, and

a second data element identifying a first location comprising a mobile merchant location, the mobile merchant location corresponding to a location of the mobile access device at the time the electronic message was transmitted, wherein the mobile merchant location is determined utilizing one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data; and

when the first location comprising the mobile merchant location and a second location of a second client device are within a threshold distance, communicating with the second client device, wherein the second client device received a notification from the server computer after the server computer received the electronic message corresponding to the transaction conducted by the mobile access device and the first client device from the mobile access device, and wherein the notification includes a graphical indication of the mobile merchant location.

13. The mobile access device of claim 12, wherein the transaction time corresponds with the time the electronic message was transmitted to the server computer.

14. The mobile access device of claim 12, wherein the server computer is associated with a payment processing network.

15. The mobile access device of claim 12, wherein the method further comprises:

receiving a second electronic message corresponding to a second transaction between the second client device and the mobile access device at the mobile merchant location, wherein a client device location corresponding with the second client device is a same location as the mobile merchant location during the second transaction.

16. The mobile access device of claim 12, wherein the method further comprises:

receiving second transaction data for a second transaction conducted by the mobile access device, wherein the second transaction data is associated with the second client device.

17. The mobile access device of claim 12, wherein the method further comprises:

electronically transmitting coupon data from the mobile access device to the server computer, the server computer being associated with a payment processing network; and

receiving the coupon data from the second client device.

18. The mobile access device of claim 12, wherein the server computer is configured to process electronic payment transactions and to provide clearing and settlement services.

19. A mobile access device comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor for implementing a method comprising;

electronically receiving data from a client device by the mobile access device of a mobile merchant;

after receiving the data from the client device, determining geographic location data, wherein the geographic location data is determined utilizing one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data; and

electronically transmitting transaction data including the geographic location data to a server computer, wherein the server computer;

determines a first location of the mobile merchant based the geographic location data in the transaction data; and

performs further processing based on the first location of the mobile merchant;

when the first location of the mobile merchant and a second location of the client device are within a threshold distance, a notification message is generated by the server computer that includes a graphical indication of the first location of the mobile merchant.