CREDIT AND DEBIT CARD TRANSACTION APPROVAL USING LOCATION VERIFICATION
First Claim
1. A computer-implemented method for processing an internet-based purchase request made by a user of a communications device, the method comprising:
- (a) receiving, from the communications device, the purchase request and location information corresponding to location of the communications device, wherein;
the purchase request includes information about a customer account; and
the location information is independently generated by the communications device;
(b) comparing the location information to one or more approved locations corresponding to the customer account; and
(c) if the location information does not match any of the one or more approved locations, then rejecting the purchase request.
2 Assignments
0 Petitions
Accused Products
Abstract
In one embodiment, an online credit or debit card transaction is processed by transmitting purchase information, including price of the purchase item and card number, to the company that issued the card. In addition, the location from which the purchase is made is calculated, e.g., using a GPS device, and the location data is transmitted to the card issuer. The card issuer determines if the purchase meets certain specified approval requirements, such as whether the card holder has sufficient funds, the card has been reported missing, or card holder'"'"'s personal information is correct. Further, the card issuer compares the location data to a number of predetermined purchase locations specified by the customer. If the location data matches one of the predetermined locations and the specified approval requirements are met, then the purchase is approved.
77 Citations
15 Claims
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1. A computer-implemented method for processing an internet-based purchase request made by a user of a communications device, the method comprising:
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(a) receiving, from the communications device, the purchase request and location information corresponding to location of the communications device, wherein; the purchase request includes information about a customer account; and the location information is independently generated by the communications device; (b) comparing the location information to one or more approved locations corresponding to the customer account; and (c) if the location information does not match any of the one or more approved locations, then rejecting the purchase request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer device for processing an internet-based purchase request made by a user of a communications device, the computer device comprising:
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a means for receiving, from the communications device, the purchase request and location information corresponding to location of the communications device, wherein; the purchase request includes information about a customer account; and the location information is independently generated by the communications device; a means for comparing the location information to one or more approved locations corresponding to the customer account; and a means for rejecting the purchase request if the location information does not match any of the one or more approved locations.
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11. A computer-implemented method for making an internet-based purchase request from a user of a communications device, the method comprising:
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(a) transmitting the purchase request to a merchant device via the internet, wherein; the purchase request includes information about a customer account issued by a customer account company; and the merchant device transmits the customer account information to a customer account company device; (b) independently generating location information corresponding to location of the communications device; and (c) transmitting the location information to a location verification device, wherein the location verification device (i) compares the location information to one or more approved locations corresponding to the customer account and (ii) rejects the purchase request, if the location information does not match any of the one or more approved locations. - View Dependent Claims (12)
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13. A communications device for making an internet-based purchase request from a user of the communications device, the communications device adapted to:
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(a) transmit the purchase request to a merchant device via the internet, wherein; the purchase request includes information about a customer account issued by a customer account company; and the merchant device transmits the customer account information to a customer account company device; (b) independently generate location information corresponding to location of the communications device; and (c) transmit the location information to the customer account company device, wherein the customer account company device (i) compares the location information to one or more approved locations corresponding to the customer account and (ii) rejects the purchase request, if the location information does not match any of the one or more approved locations. - View Dependent Claims (14, 15)
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Specification