CREDIT CARD PAIRED WITH LOCATION IDENTIFIABLE DEVICE FOR POINT OF SERVICE FRAUD DETECTION
First Claim
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1. An apparatus for identifying attempted fraud using a consumer account in real time, the apparatus comprising:
- a processor;
a computer-readable medium comprising computer-executable code, the code comprising instructions to direct the processor to perform the steps of;
determining when a consumer account is used to attempt to obtain a resource from a resource provider;
determining whether a first consumer apparatus that is associated with the consumer account is located at an authorized location; and
indicating to the resource provider that the resource provider should provide the resource when the consumer apparatus is at the authorized location;
wherein the authorized location is a location proximate to a second consumer apparatus that is associated with the first consumer apparatus.
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Abstract
A method and apparatus for identifying attempted fraud using a consumer account in real time, the method comprising the steps of determining when a consumer account is used to attempt to obtain a resource from a resource provider, determining whether a consumer apparatus that is associated with the consumer account is located at a location associated with the resource provider and indicating that the resource provider should provide the resource when the consumer apparatus is at a location associated with the resource provider.
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Citations
20 Claims
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1. An apparatus for identifying attempted fraud using a consumer account in real time, the apparatus comprising:
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a processor; a computer-readable medium comprising computer-executable code, the code comprising instructions to direct the processor to perform the steps of; determining when a consumer account is used to attempt to obtain a resource from a resource provider; determining whether a first consumer apparatus that is associated with the consumer account is located at an authorized location; and indicating to the resource provider that the resource provider should provide the resource when the consumer apparatus is at the authorized location; wherein the authorized location is a location proximate to a second consumer apparatus that is associated with the first consumer apparatus. - View Dependent Claims (2, 3, 4, 5)
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6. An apparatus for identifying attempted fraud using a consumer account in real time, the apparatus comprising:
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a processor; a computer-readable medium comprising computer-executable code, the code comprising instructions to direct the processor to perform the steps of; determining when a consumer account is used to attempt to obtain a resource from a resource provider; determining whether a consumer apparatus that is associated with the consumer account is located at an authorized location; and indicating to the resource provider that the resource provider should provide the resource when the consumer apparatus is at the authorized location; transmitting a message to the consumer apparatus indicating that an attempt has been made to use the consumer device when the identified consumer apparatus is at a location other than the authorized location when the consumer account is used; receiving an authorization transmission originated at the consumer apparatus authorizing the attempted use; and transmitting a signal to the resource provider indicating that the source should be provided when an authorizing transmission that originated at the consumer apparatus is received. - View Dependent Claims (7, 8, 9)
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10. A method for real time identification of attempted fraud involving the use of a consumer account, the method comprising:
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determining when a consumer account is used to attempt to obtain a resource from a resource provider; determining whether a first consumer apparatus that is associated with the consumer account is located at an authorized location; and indicating to the resource provider that the resource provider should provide the resource when the consumer apparatus is at the authorized location; wherein the authorized location is a location proximate to a second consumer apparatus that is associated with the first consumer apparatus. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A method for identifying attempted fraud using a consumer account in real time, the method comprising the steps of:
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determining at an authorization entity when a consumer account is used to attempt to obtain a resource from a resource provider; determining at the authorization entity whether a consumer apparatus that is associated with the consumer account is located at an authorized location; and indicating to the resource provider that the resource provider should provide the resource when the consumer apparatus is at the authorized location; transmitting a message to the consumer apparatus indicating that an attempt has been made to use the consumer device when the identified consumer apparatus is at a location other than the authorized location when the consumer account is used; receiving an authorization transmission originated at the consumer apparatus authorizing the attempted use; and transmitting a signal to the resource provider indicating that the source should be provided when an authorizing transmission that originated at the consumer apparatus is received. - View Dependent Claims (17, 18, 19, 20)
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Specification