GPS validation for transactions
First Claim
1. A computerized method comprising:
- receiving, by a point of sale terminal at a retail location, a request for a transaction including a payment card identifier associated with a user;
in response to being triggered by a location verification provision;
transmitting, by the point of sale terminal to a remote server, a request for a location of a device associated with the user along with a time at which the transaction was attempted;
receiving information indicative of the location of the device associated with the user;
comparing, by the point of sale terminal, the location of the device associated with the user to a location of the retail location;
in response to the location of the device being different from the location of the retail location, sending, by the point of sale terminal, an authorization request to the device; and
upon receiving a response to the authorization request authorizing the transaction, completing the transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
A location verification provision is implemented to determine the location of a device associated with a user at the time of an attempted transaction. The attempted transaction includes receiving user identification and/or payment information, which is associated with the device in an entry stored in a database. Location information of the device, as well as a time at each location, may also be stored in the database. To verify that the device is located at the location of the transaction, a comparison operation may be performed. If the device is located where the transaction is being processed, the transaction may be completed. Predetermined criteria may be defined to account for possible inaccuracies in location and time calculations.
37 Citations
20 Claims
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1. A computerized method comprising:
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receiving, by a point of sale terminal at a retail location, a request for a transaction including a payment card identifier associated with a user; in response to being triggered by a location verification provision; transmitting, by the point of sale terminal to a remote server, a request for a location of a device associated with the user along with a time at which the transaction was attempted; receiving information indicative of the location of the device associated with the user; comparing, by the point of sale terminal, the location of the device associated with the user to a location of the retail location; in response to the location of the device being different from the location of the retail location, sending, by the point of sale terminal, an authorization request to the device; and upon receiving a response to the authorization request authorizing the transaction, completing the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory, computer-readable medium storing instructions that, when executed by at least one computing device, cause the computing device to perform operations comprising:
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receiving a request for a transaction including a payment card identifier associated with a user; in response to being triggered by a location verification provision; transmitting, by a point of sale terminal to a remote server, a request for a location of a device associated with the user along with a time at which the transaction was attempted; receiving information indicative of the location of the device associated with the user; comparing, by the point of sale terminal, the location of the device associated with the user to a location of the retail location; in response to the location of the device being different from the location of the retail location, sending, by the point of sale terminal, an authorization request to the device; and upon receiving a response to the authorization request authorizing the transaction, completing the transaction. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system comprising:
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a non-transitory, computer readable medium for storing data associated with content and a user; a processor for executing instructions stored on the non-transitory, computer readable medium, wherein the instructions perform a process that includes; receiving a request for a transaction including a payment card identifier associated with the user; in response to being triggered by a location verification provision; transmitting, by a point of sale terminal to a remote server, a request for a location of a device associated with the user along with a time at which the transaction was attempted; receiving information indicative of the location of the device associated with the user; comparing, by the point of sale terminal, the location of the device associated with the user to a location of the retail location; in response to the location of the device being different from the location of the retail location, sending, by the point of sale terminal, an authorization request to the device; and upon receiving a response to the authorization request authorizing the transaction, completing the transaction. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification