Adding supplemental data to data signals to enhance location determination

• US 10,134,020 B2
• Filed: 08/20/2015
• Issued: 11/20/2018
• Est. Priority Date: 08/20/2015
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Sharma, Aarti
• Primary Examiner(s): Madamba, Clifford B
• Application Number:
  US14/831,336
• Publication Number:
  US 20170053251A1
• Time in Patent Office: 1,188 Days
• Field of Search: 705 43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network

Abstract

A data signal enhancement device for adding supplemental location data to a data signal to enhance location determination is described. Additionally, a method and a computer-readable storage medium for adding supplemental location data to a data signal to enhance location determination is described.

Claims

1. A data signal enhancement device for adding supplemental location data to a data signal to enhance location determination, said data signal enhancement device comprises a processor coupled to a memory device, said data signal enhancement device is coupled to a processing network, said data signal enhancement device is configured to:

detect transaction data associated with a first merchant in a first data signal received from the processing network, the transaction data including a merchant name and a merchant address for the first merchant, wherein the merchant address is in a first format;

store the merchant name within a merchant identifiers section of the memory device and the merchant address within a merchant locations section of the memory;

receive, from an automated teller machine (ATM) via the processing network, a second data signal including ATM data associated with a first ATM;

detect the ATM data within the second data signal, the ATM data including an ATM address for the first ATM, wherein the ATM address is in a second format different from the first format;

retrieve, from the merchant locations section, the merchant address;

compare, using fuzzy logic, the merchant address in the first format to the ATM address in the second format;

determine that the ATM address is similar to the merchant address based on a result of the comparison, wherein the result includes at least one of i) a match between the ATM address and the merchant address and ii) a determination that the ATM address is within a predefined radius of the merchant address;

generate an indicator that the first ATM is located at the first merchant;

generate an enhanced data signal that is based on the first data signal and the second data signal and includes the indicator, the enhanced data signal indicating that the first ATM is located at the merchant address; and

transmit the enhanced data signal to a computing device of an issuing bank.

2. The data signal enhancement device of claim 1, further configured to generate the indicator as a tree including a plurality of location identifiers associated with the first merchant, wherein each location identifier is associated with a respective one of a plurality of ATMs, including the first ATM.

3. The data signal enhancement device of claim 1, further configured to detect the transaction data in an authorization request message generated by a computing device associated with the first merchant and received at the processing network.

4. The data signal enhancement device of claim 1, further configured such that:

receiving the transaction data includes receiving the merchant address in a first format; and

receiving the ATM data includes receiving the ATM address in a second format that is different from the first format.

5. The data signal enhancement device of claim 1, further configured to enhance the transaction data by inserting the ATM address into a cleanse field of the transaction data, wherein the merchant address is in a first format and the ATM address is in a second format that is different from the first format.

6. The data signal enhancement device of claim 1, further configured to receive the ATM address from a computing device associated with an issuing bank.

7. The data signal enhancement device of claim 1, further configured to receive the ATM address from a transaction initiated at the first ATM.

8. A method for adding supplemental location data to a data signal to enhance location determination, said method is implemented by a data signal enhancement device coupled to a memory device and to a processing network, said method comprising:

detecting, by the data signal enhancement device, transaction data associated with a first merchant in a first data signal received from the processing network, the transaction data including a merchant name and a merchant address for the first merchant, wherein the merchant address is in a first format;

storing, by the data signal enhancement device, the merchant name within a merchant identifiers section of the memory device and the merchant address within a merchant locations section of the memory;

receiving, by the data signal enhancement device from an automated teller machine (ATM) via the processing network, a second data signal including ATM data associated with a first ATM;

detecting, by the data signal enhancement device, the ATM data within the second data signal, the ATM data including an ATM address for the first ATM, wherein the ATM address is in a second format different from the first format;

retrieving, by the data signal enhancement device from the merchant locations section, the merchant address;

comparing, by the data signal enhancement device using fuzzy logic, the merchant address in the first format to the ATM address in the second format;

determining, by the data signal enhancement device, that the ATM address is similar to the merchant address based on a result of the comparison, wherein the result includes at least one of i) a match between the ATM address and the merchant address and ii) a determination that the ATM address is within a predefined radius of the merchant address;

generating, by the data signal enhancement device, an indicator that the first ATM is located at the first merchant;

generating, by the data signal enhancement device, an enhanced data signal that is based on the first data signal and the second data signal and includes the indicator, the enhanced data signal indicating that the first ATM is located at the merchant address; and

transmitting, by the data signal enhancement device, the enhanced data signal to a computing device of an issuing bank.

9. The method of claim 8, further comprising generating the indicator as a tree including a plurality of location identifiers associated with the first merchant, wherein each location identifier is associated with a respective one of a plurality of ATMs, including the first ATM.

10. The method of claim 8, further comprising detecting the transaction data in an authorization request message generated by a computing device associated with the first merchant and received at the processing network.

11. The method of claim 8, wherein:

receiving the transaction data includes receiving the merchant address in a first format; and

receiving the ATM data includes receiving the ATM address in a second format that is different from the first format.

12. The method of claim 8, further comprising enhancing the transaction data by inserting the ATM address into a cleanse field of the transaction data, wherein the merchant address is in a first format and the ATM address is in a second format that is different from the first format.

13. The method of claim 8, further comprising receiving the ATM address from a computing device associated with an issuing bank.

14. The method of claim 8, further comprising receiving the ATM address from a transaction initiated at the first ATM.

15. A non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, wherein when executed by one or more processors of a data signal enhancement device coupled to a memory device and to a processing network, the computer-executable instructions cause the data signal enhancement device to:

detect transaction data associated with a first merchant in a first data signal received from the processing network, the transaction data including a merchant name and a merchant address for the first merchant, wherein the merchant address is in a first format;

store the merchant name within a merchant identifiers section of the memory device and the merchant address within a merchant locations section of the memory;

receive, from an automated teller machine (ATM) via the processing network, a second data signal including ATM data associated with a first ATM;

detect the ATM data within the second data signal, the ATM data including an ATM address for the first ATM, wherein the ATM address is in a second format different from the first format;

retrieve, from the merchant locations section, the merchant address;

compare, using fuzzy logic, the merchant address in the first format to the ATM address in the second format;

determine that the ATM address is similar to the merchant address based on a result of the comparison, wherein the result includes at least one of i) a match between the ATM address and the merchant address and ii) a determination that the ATM address is within a predefined radius of the merchant address;

generate an indicator that the first ATM is located at the first merchant;

generate an enhanced data signal that is based on the first data signal and the second data signal and includes the indicator, the enhanced data signal indicating that the first ATM is located at the merchant address; and

transmit the enhanced data signal to a computing device of an issuing bank.

16. The computer-readable storage medium of claim 15, wherein said computer-readable instructions additionally cause the data signal enhancement device to generate the indicator as a tree including a plurality of location identifiers associated with the first merchant, wherein each location identifier is associated with a respective one of a plurality of ATMs, including the first ATM.

17. The computer-readable storage medium of claim 15, wherein said computer-readable instructions additionally cause the data signal enhancement device to detect the transaction data in an authorization request message generated by a computing device associated with the first merchant and received at the processing network.

18. The computer-readable storage medium of claim 15, further comprising computer-readable instructions such that:

receiving the transaction data includes receiving the merchant address in a first format; and

receiving the ATM data includes receiving the ATM address in a second format that is different from the first format.

19. The computer-readable storage medium of claim 15, wherein said computer-readable instructions additionally cause the data signal enhancement device to enhance the transaction data by inserting the ATM address into a cleanse field of the transaction data, wherein the merchant address is in a first format and the ATM address is in a second format that is different from the first format.

20. The computer-readable storage medium of claim 15, wherein said computer-readable instructions additionally cause the data signal enhancement device to receive the ATM address from a computing device associated with an issuing bank.