Method and system for authenticating use of item

• US 20090206157A1
• Filed: 02/23/2009
• Published: 08/20/2009
• Est. Priority Date: 04/26/2005
• Status: Active Grant

• Current Assignee: Spriv LLC
• Original Assignee: Spriv LLC
• Inventors: Wood, Christopher, Heffez, Guy, Heffez, Jacob
• Granted Patent: US 7,832,636 B2
• Time in Patent Office: Days
• US Class Current: 235/382
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing

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.

Claims

1-46. -46. (canceled)

47. A method to assess authorization for use of an item at a first location by an identity, comprising the steps of:

updating a position database to cache a pre-use position of a first wireless terminal;

receiving a notification to authenticate the use of the item at the first location, wherein the identity is associated with the first wireless terminal;

determining whether the position database is stale based on a predetermined time period;

determining a second location of the first wireless terminal based on the cached pre-use position if the position database is not stale;

determining a third location if the position database is stale;

determining whether the first and second locations match in geographical proximity;

authenticating use if the first location matches in geographical proximity with the second location;

generating an alert if the first and second locations do not match in geographical proximity.

determining whether the first and third locations match in geographical proximity;

authenticating use if the first location matches in geographical proximity with the third location; and

generating an alert if the first and third locations do not match in geographical proximity.

48. The method of claim 47, wherein the position database is stored separate from the first wireless device.

49. The method of claim 47, wherein the position database is stored on the first wireless terminal.

50. The method of claim 47, wherein the authenticating use includes communicating a valid use to the first wireless terminal.

51. The method of claim 47, wherein the generating an alert includes communicating an invalid use to the first wireless terminal.

52. The method of claim 47, wherein the alert is sent to at least one predetermined device.

53. The method of claim 47, wherein the alert is a confidence score.

54. The method of claim 47, wherein the cached pre-use position is stored in the form of cached global position information.

55. The method of claim 47, wherein the step of determining the second location further comprises a step of obtaining a requested position for the first wireless terminal as soon as the first wireless terminal is able to receive global position signals to calculate its requested position, the requested position being the second location, wherein the step of obtaining a requested position is only performed if the position database is stale, and wherein the position database is regarded as stale if the cached pre-use position has not been updated for a predetermined time period.

56. A method to assess authorization for use of an item by an identity at a first location, comprising the steps of:

updating a position database to cache a pre-use position of a first wireless terminal;

receiving a notification to authenticate the use of an item at the first location for an identity, wherein the identity is associated with a first wireless terminal;

determining a second location by accessing the pre-use position database;

determining whether the first and second locations match in geographical proximity;

authenticating use if the first and second locations match in geographical proximity providing a known location associated with the identity if the first and second locations do not match in geographical proximity;

authenticating use if the first and known locations match in geographical proximity; and

generating an alert if the first and known locations do not match in geographical proximity.

57. The method of claim 56, wherein the known location is determined based on a method selected from the group consisting of:

processing global positioning signals, triangulation signals, WiFi unique ID, WiMax unique ID and any other unique network ID.

58. The method of claim 56, wherein the position database is stored on the first wireless terminal.

59. The method of claim 56, wherein the position database is stored separate from the first wireless device.

60. The method of claim 56, wherein the position database is operatively coupled to a wireless provider.

61. The method of claim 56, wherein the authenticating use allows use of the item at the first location.

62. The method of claim 56, wherein the alert blocks use of the item at the first location.

63. The method of claim 56, wherein the first and second locations do not match in geographical proximity if the first location is more than a predetermined distance away from the second location.

64. The method of claim 56, wherein the first and known locations do not match in geographical proximity if the first location is more than a predetermined distance away from the known location.

65. The method of claim 56, wherein the cached pre-use position is in the form of cached global position information, and a step of determining the second location further comprises the step of updating the cached pre-use position with an inertial navigation system correction performed by the first wireless terminal to provide an updated location of the first wireless terminal, the updated location being the second location.

66. The method of claim 56, wherein the step of determining the second location further comprises a step of obtaining a requested position for the first wireless terminal as soon as the first wireless terminal is able to receive global position signals to calculate its requested position, the requested position being the second location, wherein the step of obtaining a requested position is only performed if the position database is stale, and wherein the position database is regarded as stale if the cached pre-use position has not been updated for a predetermined time period.