Performing actions based on the location of mobile device during a card swipe
First Claim
1. A method comprising:
- receiving, by a computer system, from a point-of-sale (POS) system of a merchant, transaction information associated with a plurality of financial transactions between a plurality of customers and the merchant, the received transaction information including payment card information for a plurality of payment cards read with a card reader associated with the POS system and merchant identifying information for the merchant, the plurality of payment cards being associated with a plurality of mobile devices, respectively, of the plurality of customers, respectively, in a data structure maintained by the computer system;
obtaining, by the computer system, from the data structure, based on the transaction information, mobile device information for the plurality of mobile devices associated respectively with the plurality of customers based on the association between the payment card information and the respective mobile devices in the data structure;
sending, by the computer system, based on the mobile device information, a communication to the respective mobile devices to request location information, wherein an application executing on the respective mobile device causes each mobile device, to send, to the computer system, a global positioning system (GPS) coordinate that indicates a location of the respective mobile device at a time corresponding to a read event at which one of the payment cards is read by the card reader;
receiving, by the computer system, a plurality of the GPS coordinates, each of the GPS coordinates being received from a different one of the mobile devices;
determining, by the computer system, based on the received GPS coordinates, a subset of the GPS coordinates that indicate a similar location;
determining, by the computer system, an approximate central location of the subset of the GPS coordinates;
determining, by the computer system, an approximate location of the card reader based on the approximate central location;
receiving, by the computer system, from the POS system, first transaction information including the merchant information and first payment card information obtained via the card reader for a financial transaction between a first customer and the merchant;
based on receiving the first transaction information, determining the approximate location of the card reader determined from the plurality of GPS coordinates received from the plurality of mobile devices and determining, from the data structure, a first mobile device associated with the first payment card;
sending, by the computer system, a communication to the first mobile device to cause the application executing on the first mobile device to send, to the computer system, a first GPS coordinate that indicates a location of the first mobile device at a time corresponding to a read event at which the first payment card is read by the card reader;
based on the first GPS coordinate, determining, by the computer system, a location of the first mobile device;
determining proximity between the first mobile device and the card reader based on a relationship between the location of the first mobile device and the approximate location of the card reader determined from the plurality of GPS coordinates received from the plurality of mobile devices; and
sending, by the computer system, a communication to the POS system to cause the POS system to execute a selected checkout flow based on the proximity.
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0 Petitions
Accused Products
Abstract
Various embodiments are related to apparatuses and methods for basing actions on a location of a card swipe. A computer system receives information indicative of a location of a mobile device associated with a customer at a time corresponding to a swipe of a payment card at a card reader of a merchant. The location information can indicate, for example, the location of the mobile device as being at a GPS coordinate, or at a merchant'"'"'s place of business. When the location information indicates that the mobile device and the card swipe are located near to each other, or are both located at the same merchant'"'"'s place of business, a reduced level of fraud analysis can be used when authorizing the purchase transaction. A targeted ad can be sent to a mobile device associated with the customer based on the location of the card reader used for the card swipe.
313 Citations
18 Claims
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1. A method comprising:
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receiving, by a computer system, from a point-of-sale (POS) system of a merchant, transaction information associated with a plurality of financial transactions between a plurality of customers and the merchant, the received transaction information including payment card information for a plurality of payment cards read with a card reader associated with the POS system and merchant identifying information for the merchant, the plurality of payment cards being associated with a plurality of mobile devices, respectively, of the plurality of customers, respectively, in a data structure maintained by the computer system; obtaining, by the computer system, from the data structure, based on the transaction information, mobile device information for the plurality of mobile devices associated respectively with the plurality of customers based on the association between the payment card information and the respective mobile devices in the data structure; sending, by the computer system, based on the mobile device information, a communication to the respective mobile devices to request location information, wherein an application executing on the respective mobile device causes each mobile device, to send, to the computer system, a global positioning system (GPS) coordinate that indicates a location of the respective mobile device at a time corresponding to a read event at which one of the payment cards is read by the card reader; receiving, by the computer system, a plurality of the GPS coordinates, each of the GPS coordinates being received from a different one of the mobile devices; determining, by the computer system, based on the received GPS coordinates, a subset of the GPS coordinates that indicate a similar location; determining, by the computer system, an approximate central location of the subset of the GPS coordinates; determining, by the computer system, an approximate location of the card reader based on the approximate central location; receiving, by the computer system, from the POS system, first transaction information including the merchant information and first payment card information obtained via the card reader for a financial transaction between a first customer and the merchant; based on receiving the first transaction information, determining the approximate location of the card reader determined from the plurality of GPS coordinates received from the plurality of mobile devices and determining, from the data structure, a first mobile device associated with the first payment card; sending, by the computer system, a communication to the first mobile device to cause the application executing on the first mobile device to send, to the computer system, a first GPS coordinate that indicates a location of the first mobile device at a time corresponding to a read event at which the first payment card is read by the card reader; based on the first GPS coordinate, determining, by the computer system, a location of the first mobile device; determining proximity between the first mobile device and the card reader based on a relationship between the location of the first mobile device and the approximate location of the card reader determined from the plurality of GPS coordinates received from the plurality of mobile devices; and sending, by the computer system, a communication to the POS system to cause the POS system to execute a selected checkout flow based on the proximity. - View Dependent Claims (2, 3)
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4. A method comprising:
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receiving, by a computer system, from a point-of-sale (POS) system, transaction information associated with a plurality of electronic transactions between a plurality of users and a merchant, the electronic transactions involving read events involving a plurality of transaction cards at a card reader associated with the POS system and the merchant, the plurality of transaction cards being associated with a plurality of mobile devices, respectively, of the plurality of users, respectively, in a data structure maintained by the computer system; based on receiving the transaction information, determining, from the data structure, the plurality of mobile devices associated with the transaction cards, and sending, by the computer system, respective communications to the plurality of mobile devices; receiving, by the computer system, from the mobile devices, location information indicative of a plurality of locations, each of the plurality of locations being indicative of a location of a corresponding mobile device at a time corresponding to a read event at which one of the transaction cards is read by the card reader; determining, by the computer system, based on the location information, a subset of the mobile devices that indicates a similar location; determining, by the computer system, an approximate location of the card reader based on the similar location of the subset of the mobile devices; receiving, by the computer system, first mobile device location information indicative of a first location of a first mobile device associated with a card user at a time corresponding to a read event at which a first transaction card associated with the card user is read by the card reader; determining, by the computer system, a proximity between the first mobile device and the card reader based on the first mobile device location information and the approximate location determined for the card reader; and sending, by the computer system, a communication to the POS system to cause the POS system to execute a selected checkout flow based on the proximity. - View Dependent Claims (5, 6, 7, 8, 9, 15, 16, 17, 18)
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10. A system comprising:
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a communication device through which to communicate with remote devices; a processor coupled to the communication device; and a memory coupled to the processor, the memory storing instructions which when executed by the processor cause the system to perform operations including; receiving, via the communication device, from a point-of-sale (POS) system, transaction information associated with a plurality of electronic transactions between a plurality of users and a payee, the electronic transactions involving read events involving a plurality of transaction cards at a card reader associated with the POS system and the payee, the plurality of transaction cards being associated with a plurality of mobile devices, respectively, of the plurality of users, respectively, in a data structure maintained by the system; based on receiving the transaction information, determining, from the data structure, the plurality of mobile devices associated with the plurality of transaction cards, and sending communications to the plurality of mobile devices to cause an application executing on each of the mobile devices to send location information at a time corresponding to a respective read event; receiving the location information from the mobile devices; determining, from the received location information of a subset of the mobile devices that indicate a similar location; determining an approximate location of the card reader based on the indicated similar location information from the subset of the mobile devices; receiving mobile device location information that indicates a location of a first mobile device associated with a card user at a time corresponding to a read event involving a first transaction card associated in the data structure with the first mobile device and the card user, the first transaction card being used at the card reader to initiate the read event; determining a proximity between the first mobile device and the card reader based on the mobile device location information and the approximate location of the card reader; and sending a communication to the POS system to cause the POS system to execute a selected checkout flow based on the proximity. - View Dependent Claims (11, 12, 13, 14)
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Specification