Transaction confirmation and authentication based on device sensor data
First Claim
1. A transaction server, comprising:
- one or more processors to;
transmit, via a peer-to-peer application, peer-to-peer data between a first mobile device and a second mobile device to facilitate a first user of the first mobile device meeting a second user of the second mobile device to conduct a peer-to-peer transfer of a good or a currency,the transaction server being remote to the first mobile device and the second mobile device,the peer-to-peer application operating on the first mobile device and the second mobile device, andthe peer-to-peer transfer physically occurring between the first user of the first mobile device and the second user of the second mobile device in exchange for a credit to a user account;
receive transaction data from at least one of the first mobile device or the second mobile device via the peer-to-peer application,the transaction data indicating that the peer-to-peer transfer of a good or a currency occurred, andthe transaction data indicating a transaction location associated with the peer-to-peer transfer;
receive, from the first mobile device and via the peer-to-peer application, first sensor data,the first sensor data indicating;
a first location recorded by a first sensor of the first mobile device at a first point in time,
the first point in time being associated with the peer-to-peer transfer,first non-geographic data recorded by a first non-geographic sensor of the first mobile device at the first point in time, andfirst gait data recorded by a gait sensor of the first mobile device,
the first gait data indicating a gait of the first user of the first mobile device;
receive, from the second mobile device and via the peer-to-peer application, second sensor data,the second sensor data indicating;
a second location recorded by a second sensor of the second mobile device at a second point in time,
the second point in time being associated with the peer-to-peer transfer,second non-geographic data recorded by a second non-geographic sensor of the second mobile device at the second point in time, andsecond gait data recorded by a gait sensor of the second mobile device,
the second gait data indicating a gait of the second user of the second mobile device;
determine, using a machine learning model, a confidence score for confirming whether the peer-to-peer transfer occurred based on the transaction data, the first sensor data, and the second sensor data,the confidence score being determined based on different weights assigned to comparisons of;
the transaction location, the first location, and the second location, andthe first non-geographic data and the second non-geographic data;
confirm whether the peer-to-peer transfer occurred based on the confidence score;
receive gait authentication data associated with the first user of the first mobile device and the second user of the second mobile device;
determine whether the peer-to-peer transfer is authentic based on the gait authentication data, the first gait data, and the second gait data; and
selectively credit the user account based on whether the peer-to-peer transfer is confirmed to have occurred and whether the peer-to-peer transfer is determined to be authentic.
1 Assignment
0 Petitions
Accused Products
Abstract
A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction. Based on the transaction data, the first sensor data, and/or the second sensor data, the device may determine whether the transaction occurred and perform an action based on the determination of whether the transaction occurred.
53 Citations
20 Claims
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1. A transaction server, comprising:
one or more processors to; transmit, via a peer-to-peer application, peer-to-peer data between a first mobile device and a second mobile device to facilitate a first user of the first mobile device meeting a second user of the second mobile device to conduct a peer-to-peer transfer of a good or a currency, the transaction server being remote to the first mobile device and the second mobile device, the peer-to-peer application operating on the first mobile device and the second mobile device, and the peer-to-peer transfer physically occurring between the first user of the first mobile device and the second user of the second mobile device in exchange for a credit to a user account; receive transaction data from at least one of the first mobile device or the second mobile device via the peer-to-peer application, the transaction data indicating that the peer-to-peer transfer of a good or a currency occurred, and the transaction data indicating a transaction location associated with the peer-to-peer transfer; receive, from the first mobile device and via the peer-to-peer application, first sensor data, the first sensor data indicating; a first location recorded by a first sensor of the first mobile device at a first point in time,
the first point in time being associated with the peer-to-peer transfer,first non-geographic data recorded by a first non-geographic sensor of the first mobile device at the first point in time, and first gait data recorded by a gait sensor of the first mobile device,
the first gait data indicating a gait of the first user of the first mobile device;receive, from the second mobile device and via the peer-to-peer application, second sensor data, the second sensor data indicating; a second location recorded by a second sensor of the second mobile device at a second point in time,
the second point in time being associated with the peer-to-peer transfer,second non-geographic data recorded by a second non-geographic sensor of the second mobile device at the second point in time, and second gait data recorded by a gait sensor of the second mobile device,
the second gait data indicating a gait of the second user of the second mobile device;determine, using a machine learning model, a confidence score for confirming whether the peer-to-peer transfer occurred based on the transaction data, the first sensor data, and the second sensor data, the confidence score being determined based on different weights assigned to comparisons of; the transaction location, the first location, and the second location, and the first non-geographic data and the second non-geographic data; confirm whether the peer-to-peer transfer occurred based on the confidence score; receive gait authentication data associated with the first user of the first mobile device and the second user of the second mobile device; determine whether the peer-to-peer transfer is authentic based on the gait authentication data, the first gait data, and the second gait data; and selectively credit the user account based on whether the peer-to-peer transfer is confirmed to have occurred and whether the peer-to-peer transfer is determined to be authentic. - View Dependent Claims (2, 3, 4, 5)
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6. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors of a transaction server, cause the one or more processors to; transmit, via a peer-to-peer application, peer-to-peer data between a first mobile device and a second mobile device to facilitate a first user of the first mobile device meeting a second user of the second mobile device to conduct a peer-to-peer transfer of a good or a currency, the transaction server being remote to the first mobile device and the second mobile device, the peer-to-peer application operating on the first mobile device and the second mobile device, and the peer-to-peer transfer physically occurring between the first user of the first mobile device and the second user of the second mobile device in exchange for a credit to a user account; receive transaction data from at least one of the first mobile device or the second mobile device via the peer-to-peer application via the peer to peer application, the transaction data indicating that the peer-to-peer transfer of a good or a currency occurred, and the transaction data indicating a transaction location associated with the peer-to-peer transfer; receive, from the first mobile device and via the peer-to-peer application, first sensor data, the first sensor data indicating; a first location recorded by a first sensor of the first mobile device at a first point in time,
the first point in time being associated with the peer-to-peer transfer,first non-geographic data recorded by a first non-geographic sensor of the first mobile device at the first point in time, and first gait data recorded by a gait sensor of the first mobile device,
the first gait data indicating a gait of the first user of the first mobile device;receive, from the second mobile device and via the peer-to-peer application, second sensor data, the second sensor data indicating; a second location recorded by a second sensor of the second mobile device at a second point in time,
the second point in time being associated with the peer-to-peer transfer,second non-geographic data recorded by a second non-geographic sensor of the second mobile device at the second point in time, and second gait data recorded by a gait sensor of the second mobile device,
the second gait data indicating a gait of the second user of the second mobile device;determine, using a machine learning model, a confidence score for confirming whether the peer-to-peer transfer occurred based on the transaction data, the first sensor data, and the second sensor data, the confidence score being determined based on different weights assigned to comparisons of; the transaction location, the first location, and the second location, and the first non-geographic data and the second non-geographic data; confirm whether the peer-to-peer transfer occurred based on the confidence score; receive gait authentication data associated with the first user of the first mobile device and the second user of the second mobile device; determine whether the peer-to-peer transfer is authentic based on the gait authentication data, the first gait data, and the second gait data; and selectively credit the user account based on whether the peer-to-peer transfer is confirmed to have occurred and whether the peer-to-peer transfer is determined to be authentic. - View Dependent Claims (7, 8, 9, 10, 11, 12)
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13. A method comprising:
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transmitting, by a transaction server and via a peer-to-peer application, peer-to-peer data between a first mobile device and a second mobile device to facilitate a first user of the first mobile device meeting a second user of the second mobile device to conduct a peer-to-peer transfer of a good or a currency, the transaction server being remote to the first mobile device and the second mobile device, the peer-to-peer application operating on the first mobile device and the second mobile device, and the peer-to-peer transfer physically occurring between the first user of the first mobile device and the second user of the second mobile device in exchange for a credit to a user account; receiving, by the transaction server, and transaction data from at least one of the first mobile device or the second mobile device via the peer-to-peer application, the transaction data indicating that the peer-to-peer transfer occurred, and the transaction data indicating a transaction location associated with the peer-to-peer transfer; receiving, by the transaction server, and via the peer from the first mobile device via the peer-to-peer application, first sensor data, the first sensor data indicating; first image data recorded by a camera of the first mobile device at a first point in time, the first image data being associated with information indicating a first location, and the first point in time being associated with the peer-to-peer transfer, first non-geographic data recorded by a first non-geographic sensor of the first mobile device at the first point in time, and first gait data recorded by a gait sensor of the first mobile device, the first gait data indicating a gait of the first user of the first mobile device; receiving, by the transaction server, and from the second mobile device via the peer-to-peer application, second sensor data, the second sensor data indicating; a second location recorded by a second sensor of the second mobile device at a second point in time, the second point in time being associated with the peer-to-peer transfer, second non-geographic data recorded by a second non-geographic sensor of the second mobile device, second gait data recorded by a gait sensor of the second mobile device, the second gait data indicating a gait of the second user of the second mobile device; determining, by the transaction server and using a machine learning model, a confidence score for confirming whether the peer-to-peer transfer occurred based on the transaction data, the first sensor data, and the second sensor data, the confidence score being determined based on different weights assigned to comparisons of; the transaction data, the first location, and the second location, and the first non-geographic data and the second non-geographic data; confirming, by the transaction server, whether the peer-to-peer transfer occurred based on the confidence score; and receiving, by the transaction server, gait authentication data associated with the first user of the first mobile device and the second user of the second mobile device; determining, by the transaction server, whether the peer-to-peer transfer is authentic based on the gait authentication data, the first gait data, and the second gait data; and performing, by the transaction server, an action based on the determination that the peer-to-peer transfer occurred and whether the peer-to-peer transfer is determined to be authentic, the action including selectively crediting, by the transaction server, the user account based on whether the peer-to-peer transfer is confirmed to have occurred and whether the peer-to-peer transfer is determined to be authentic. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification