Method and system for monitoring electronic purchases and cash-withdrawals

• US 20090102712A1
• Filed: 10/28/2008
• Published: 04/23/2009
• Est. Priority Date: 04/26/2005
• Status: Abandoned Application

• Current Assignee: Guy Heffez
• Original Assignee: Guy Heffez
• Inventors: Heffez, Guy
• Application Number:
  US12/260,065
• Publication Number:
  US 20090102712A1
• Time in Patent Office: Days
• US Class Current: 342/357.550
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: H04W 12/12 Detection or prevention of fraud
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

A method for facilitating the detection of misuse of an identity during an electronic transaction. The invention comprises at least five embodiments. In a first embodiment, the method comprises the step of: receiving a notification to authenticate the use of an identity at a first location, wherein the identity is associated with a first wireless terminal; determining an approximate location of the first wireless terminal based on cached position information, the approximate location of the first wireless terminal being a second location; determining whether the first and second locations match in geographical proximity; and generating an alert if the first and second locations do not match in geographical proximity. In a second embodiment, an approximate location of the first wireless terminal is determined based on cached position information stored on a GPS position database. Methods of geo-locating a wireless terminal user are within the scope of the present invention.

Claims

1. ) A method for identifying an internet user'"'"'s geographical location comprising the steps of:

a) detecting a wireless terminal unique ID;

b) geographically locating the wireless terminal using at least one of;

i) WiFi;

ii) WiMax;

iii) GPS;

iv) cell-phone signal triangulation; and

v) cell tower ID; and

c) associating the location of the wireless terminal with such internet user.

2. ) A method for identifying an internet user'"'"'s geographical location comprising the step of geo-locating a internet user by identifying a unique ID associated with a position of such internet user'"'"'s mobile terminal.

3. ) The method for identifying internet user geographical location of claim 2, wherein the unique ID comprises at least one of:

a) WiFi;

b) WiMax;

c) GPS;

d) cell-phone signal triangulation; and

e) Mac Address.

4. ) A method for identifying internet user geographical location at a location having a wireless terminal, the method comprising the steps of:

a) detecting a unique ID of the wireless terminal;

b) associating the unique ID with the position of the first wireless terminal; and

c) associating the position of the first wireless terminal with such internet user.

5. ) The method of claim 4, wherein the position of the wireless terminal can be located using a unique ID comprising at least one of:

a) WiFi;

b) WiMax;

c) GPS;

d) cell-phone signal triangulation; and

e) cell tower ID;

6. ) A method for identifying an internet user'"'"'s geographical location comprising the step of geo-locating a user'"'"'s wireless terminal at a first location using a unique ID based on at least one of:

a) WiFi;

b) WiMax;

c) GPS;

d) cell phone signal triangulation; and

e) cell tower ID.

7. ) A method for identifying an internet user'"'"'s geographical location comprising the steps of:

a) detecting a WiFi Unique ID associated with the position of the first wireless terminal;

b) converting the WiFi unique ID into a location for the first wireless terminal; and

c) associating the location for the first wireless terminal with such internet user.

8. ) A method for identifying an internet user'"'"'s geographical location comprising the steps of:

a) detecting a WiMax Unique ID associated with the position of the first wireless terminal;

b) converting the WiMax unique ID into a location for the first wireless terminal; and

c) associating the location for the first wireless terminal with such internet user.

9. ) A method for identifying an internet user'"'"'s geographical location, wherein said internet user is in possession of an operating wireless terminal, the method comprising the steps of detecting a unique wireless terminal identifier of such wireless user'"'"'s said wireless terminal;

a) converting the unique wireless terminal identifier into a location for said wireless terminal; and

b) associating the location of said wireless terminal with such internet user.