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Performing actions based on the location of mobile device during a card swipe

  • US 10,198,731 B1
  • Filed: 02/18/2014
  • Issued: 02/05/2019
  • Est. Priority Date: 02/18/2014
  • Status: Active Grant
First Claim
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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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