Method and system for determining terminal location

• US 10,453,065 B2
• Filed: 02/12/2016
• Issued: 10/22/2019
• Est. Priority Date: 02/12/2016
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Wagner, Kim R.
• Primary Examiner(s): Vyas, Abhishek
• Assistant Examiner(s): Dega, Murali K
• Application Number:
  US15/042,832
• Publication Number:
  US 20170236124A1
• Time in Patent Office: 1,348 Days
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing

Abstract

Described herein is a platform and method for generating a terminal location from transaction data. In some embodiments, location data is periodically provided to a service computer from multiple mobile devices. Additionally, transaction data related to terminals may be provided to the service provider by one or more entities. The service provider may be configured to match records in the received transaction data to records in the received location data to identify a set of potential terminal locations. In some embodiments, the set of potential terminal locations may be filtered according to one or more criteria. A terminal location may subsequently be approximated from the set of potential terminal locations.

Claims

1. A service computer within a terminal locator system comprising:

a processor; and

a memory including instructions that, when executed with the processor, cause the service computer to implement a method comprising;

receiving, at a location assessment module, mobile location data from multiple mobile devices, each of the mobile devices associated with a user of a plurality of users, the mobile location data including geographic location data of each of the plurality of mobile devices with respect to time;

receiving, at the location assessment module, multiple transaction data associated with multiple terminals at a business location, each of the transaction data of the multiple transaction data associated with a user of the plurality of users;

determining, by the location assessment module for each of the multiple terminals at the business location, a location of the terminal within the business location by, for each terminal;

identifying, by the location assessment module, a number of users of the plurality of users that are each associated with at least one transaction data of the multiple transaction data conducted at the terminal;

determining, by the location assessment module based at least in part on the mobile location data and the multiple transaction data, a set of potential locations associated with the terminal by, for each user of the number of users;

identifying, by the location assessment module, the at least one transaction data of the multiple transaction data conducted by the user;

determining, by the location assessment module, a transaction time for the identified at least one transaction data;

determining, by the location assessment module, a geographic location of a mobile device associated with the user at the determined transaction time using a function having inputs of two different geographic locations of the mobile device, wherein the two different geographic locations of the mobile device are determined based at least in part on two different times proximate to the determined transaction time;

appending, by the location assessment module, the geographic location to the set of potential locations; and

filtering, by the location assessment module from the set of potential locations, each potential location for which the transaction time is before a predetermined time; and

determining, by the location assessment module as a function of the set of potential locations associated with each terminal of the plurality of terminals, a location of the terminal within the business location.

2. The service computer of claim 1, wherein each of the multiple mobile devices are associated with the user of the plurality of users via a phone number, an international mobile station equipment identifier (IMEI), or a serial number associated with the mobile device.

3. The service computer of claim 1, wherein the mobile location data is received from the multiple mobile devices on a periodic basis.

4. The service computer of claim 1, wherein the function is a straight line function.

5. The service computer of claim 1, wherein the set of potential locations is filtered such that the each potential location in the set of potential locations is associated with a timestamp occurring after a predetermined time.

13. The service computer of claim 1, wherein the instructions further cause the terminal locator system to:

receive, at the location assessment module, an authorization request message comprising account information from the terminal for a transaction;

determine, by the location assessment module, a current location of a mobile device of a user associated with the account information;

generate, by the location assessment module, a response to the authorization request message based on whether the location of the terminal and the current location of the mobile device are proximate to each other.

6. A method comprising:

receiving, at a location assessment module executed on a service computer, mobile location data from multiple mobile devices, each of the mobile devices associated with a user of a plurality of users, the mobile location data including geographic location data for each of the multiple mobile devices with respect to time;

receiving, at the location assessment module, multiple transaction data associated with multiple terminals at a business location, each of the transaction data of the multiple transaction data associated with a user of the plurality of users;

determining, by the location assessment module for each of the multiple terminals at the business location, a location of the terminal within the business location by, for each terminal;

identifying, by the location assessment module, a number of users of the plurality of users that are each associated with at least one transaction data of the multiple transaction data conducted at the terminal;

determining, by the location assessment module based at least in part on the mobile location data and the multiple transaction data, a set of potential locations associated with the terminal by, for each user of the number of users;

identifying, by the location assessment module, the at least one transaction data of the multiple transaction data conducted by the user;

determining, by the location assessment module, a transaction time for the identified transaction data;

filtering out, by the location assessment module, transaction data for which the transaction time occurs before a predetermined time;

determining, by the location assessment module, a geographic location of a mobile device associated with the user at the determined transaction time using a function having inputs of two different geographic locations of the mobile device, wherein the two different geographic locations of the mobile device are determined based at least in part on two different times proximate to the determined transaction time; and

appending, by the location assessment module, the geographic location to the set of potential locations; and

determining, by the location assessment module as a function of the set of potential locations associated with each terminal of the multiple terminals, a location of the terminal within the business location.

7. The method of claim 6, wherein the mobile location data associated with the multiple mobile devices comprises locations reported by the multiple mobile devices associated with the plurality of users.

8. The method of claim 6, wherein each of the geographic location data for each of the multiple mobile devices and the multiple transaction data are associated with a time, and wherein the set of potential locations associated with the terminal is calculated based at least in part on the time.

9. The method of claim 6, wherein calculating the location of the terminal comprises taking an average of the set of potential locations associated with the terminal.

10. The method of claim 6, further comprising filtering outlier locations from the set of potential locations associated with the terminal.

11. The method of claim 6, wherein calculating the set of potential locations comprises identifying a closest-in-time geographic location associated with each of the plurality of users.

12. The method of claim 11, wherein calculating the set of potential locations comprises calculating an intermediate location between the closest-in-time geographic location and a next closest-in-time geographic location for each of the plurality of users.