Payment authorization using location data
First Claim
1. A system for payment authorization comprising:
- a location score based authorization engine; and
an instruction set having at least one instruction to instruct the a location score based authorization engine to generate a location score for use in fraud detection processing and payment authorization, wherein the location score is calculated using data representative of users interaction with one or more components of a mobile communications network that provides location information, wherein the data representative of users interaction comprises data representative one or more;
time of interactivity, frequency of interactivity, type of interactivity, and data about other cooperating users.
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Accused Products
Abstract
Systems and methods are provided for payment authorization using location data. In an illustrative implementation, a payment authorization platform comprises a location score based authorization engine and at least one instruction set. In the illustrative implementation, the instruction set comprises one or more instructions to instruct the location score based authorization engine to process m-commerce payment transactions according to a selected one or more payment authorization paradigms. The selected one or more payment authorization paradigms can include but is not limited to a fraud detection processing using location scoring principles. Responsive to a payment processing request, the location score based authorization engine generates a location score providing a confidence value. In the illustrative operation, the location score can be calculated by monitoring the pattern of use and the location of mobile transactions and other communications from the mobile communications device.
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Citations
20 Claims
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1. A system for payment authorization comprising:
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a location score based authorization engine; and
an instruction set having at least one instruction to instruct the a location score based authorization engine to generate a location score for use in fraud detection processing and payment authorization, wherein the location score is calculated using data representative of users interaction with one or more components of a mobile communications network that provides location information, wherein the data representative of users interaction comprises data representative one or more;
time of interactivity, frequency of interactivity, type of interactivity, and data about other cooperating users. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for payment authorization using location data comprising:
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receiving data representative of a user'"'"'s interactivity with other users of a mobile communications network;
constructing a location pattern for the user based on the user'"'"'s interactions on the mobile communications network; and
processing the interactivity data and user location information to generate a location score. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A computer readable medium having computer readable instructions to instruct a computer to perform a method comprising:
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receiving data representative of a user'"'"'s interactivity with other users of a mobile communications network;
constructing a location pattern for the user based on the user'"'"'s interactions on the mobile communications network; and
processing the interactivity data and user location information to generate a location score.
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Specification