FRAUD MINIMIZATION AND ANALYTICS THROUGH GEOSPATIAL COMPARISON OF VEHICLE LOCATION AND TRANSACTION SITUS

• US 20130185193A1
• Filed: 07/19/2012
• Published: 07/18/2013
• Est. Priority Date: 12/02/2011
• Status: Abandoned Application

• Current Assignee: Spireon Incorporated (Solera Holdings Incorporated)
• Original Assignee: Spireon Incorporated (Solera Holdings Incorporated)
• Inventors: Gertz, Steve, Pearlman, Richard, BOLING, BRIAN, Jarvis, Brad
• Application Number:
  US13/552,677
• Publication Number:
  US 20130185193A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G07F 13/025 wherein the volume is determined during delivery
• CPC Class Codes: G08G 1/207 with respect to certain areas, e.g. forbidden or allowed areas with possible alerting when inside or outside boundaries

Abstract

A method comprising determining that a transaction associated with a purchase of a fuel of a vehicle equipped with a geospatial positioning device is associated with a unique identifier of a fuel card is disclosed. The method may comprise comparing a present geospatial location of the vehicle with a situs where the transaction associated with the purchase of the fuel of the vehicle is determined when a distance between the vehicle and the situs where the transaction associated with the purchase of the fuel of the vehicle occurs is within a threshold limit. The method may also comprise generating an alert communication to a party based on a transgression of the vehicle from the threshold limit.

Claims

1. A method comprising:

determining that a transaction associated with a purchase of a fuel of a vehicle equipped with a geospatial positioning device is associated with a unique identifier of a fuel card;

comparing a present geospatial location of the vehicle with a situs where the transaction associated with the purchase of the fuel of the vehicle is determined;

when a distance between the vehicle and the situs where the transaction associated with the purchase of the fuel of the vehicle occurs is within a threshold limit;

when the distance between the vehicle and the situs where the transaction associated with the purchase of the fuel of the vehicle is outside the threshold limit; and

generating an alert communication to a party based on a transgression of the vehicle from the threshold limit.

2. The method of claim 1 further comprising:

associating the fuel card with at least one of a driver of the vehicle and the vehicle equipped with the geospatial positioning device and currently having the situs within the present geospatial location;

verifying an authorized use of the fuel card upon initiation of the transaction associated with the purchase of the fuel of the vehicle;

generating an alert communication to the party if the transaction associated with the purchase of a fuel of the vehicle is not the authorized use; and

analyzing a geospatial data received from the vehicle equipped with the geospatial positioning device to locate the situs of the vehicle within the present geospatial location.

3. A method comprising:

associating a fuel card with a vehicle equipped with a geospatial positioning device and currently having a situs within a present geospatial location;

receiving a geospatial data from the geospatial positioning device indicative of the present geospatial location of the vehicle upon use of the fuel card at a fueling facility within the present geospatial location;

determining at least one of a quantity of fuel purchased with the fuel card at the fueling facility within the present geospatial location and a mileage driven by the vehicle since a last fueling such that a preferred fueling facility is determinable based on a future geospatial location of the vehicle; and

generating an alert communication to a party comprising the preferred fueling facility based on at least one of a future geospatial location of the vehicle and a planned route associable with the vehicle.

4. The method of claim 3 wherein a fuel efficiency of the vehicle is determined based on at least one of the quantity of fuel purchased with the fuel card at the fueling facility within the geospatial location and the mileage driven by the vehicle since the last fueling.

5. The method of claim 3 wherein an engine idling duration of the vehicle during fueling is determined based on receiving of the geospatial data from the geospatial positioning device comprising:

an actual geographic location associable with the vehicle upon use of the fuel card at the fueling facility within the present geospatial location;

a fueling duration data associable with the vehicle upon use of the fuel card at the fueling facility within the present geospatial location;

a fueling quantity data associable with the vehicle upon use of the fuel card at the fueling facility within the present geospatial location; and

an engine run time data associable with the vehicle and determined based on the fueling time associable with the vehicle upon use of the fuel card at the fueling facility within the present geospatial location.

6. The method of claim 3 wherein validation of a fueling transaction is determined based on receiving of the geospatial data from the geospatial positioning device comprising:

a fraud detection data to permit an association between the vehicle and the fuel card to determine whether a validated vehicle is at the fueling facility at the time the fueling transaction occurs;

a fueling quantity data to determine whether an amount of fuel purchased for the vehicle is appropriate for the vehicle that performs the fueling transaction based on the association between the vehicle and the fuel card;

a fuel type data to determine whether a type of fuel purchased for the vehicle is appropriate for the vehicle that performs the fueling transaction based on the association between the vehicle and the fuel card;

a vehicle mileage data to determine if a calculated miles per gallon information is reasonable for the vehicle that performs the fueling transaction based on the association between the vehicle and the fuel card; and

a fueling time data to determine whether the fueling transaction is performed at an appropriate time.

7. The method of claim 3 wherein the preferred fueling facility is associable with a provider of the fuel card such that the preferred fueling facility is determined based on at least one of an in-network fueling facility, a best fuel price fueling facility, a fuel rebate fueling facility, a convenient location fueling facility, and a facilities available fueling facility.

8. The method of claim 7 further comprising utilizing the present geospatial location of the vehicle received from the geospatial positioning device to determine the preferred fueling facility based on at least one of a plurality of fueling locations associable with the fuel card, a fuel type data associable with the vehicle, a geospatial tracking data, a real-time vehicle location data, a fuel estimate data and a vehicle profile data.

9. The method of claim 8 further comprising determining the preferred fueling location based on the future geospatial location of the vehicle such that the preferred fueling location is along the planned route associable with the vehicle.

10. The method of claim 9 further comprising validating the planned route associable with the vehicle by utilizing the geospatial data from the fueling facility within the present geospatial location upon use of the fuel card at the fueling facility to determine whether the vehicle transgresses the planned route.

11. A system comprising:

an association module to associate a fuel card with a vehicle equipped with a geospatial positioning device and currently having a situs within a present geospatial location;

a geospatial data module to receive a geospatial data from the geospatial positioning device indicative of a situs of the vehicle upon use of the fuel card at a fueling facility within the present geospatial location;

a fuel module to determine at least one of a quantity of fuel purchased with the fuel card at the fueling facility within the present geospatial location and a mileage driven by the vehicle since a last fueling such that a preferred fueling facility is determinable based on a future geospatial location of the vehicle; and

a communication module to generate an alert communication to a party comprising the preferred fueling facility based on the future geospatial location of the vehicle.

12. The system of claim 11 wherein the alert communication to a party comprising the preferred fueling facility is transmitted to an on-board navigation system in the vehicle that is communicatively coupled with the geospatial positioning device.

13. The system of claim 12 further comprising generating the alert communication to a party comprising the preferred fueling facility based on a fuel tank level associable with the vehicle.

14. The system of claim 11 further comprising:

periodically analyzing at least one of the geospatial data received from the geospatial positioning device and indicative of the situs of the vehicle within the present geospatial location and the geospatial data received from the geospatial positioning device upon use of the fuel card at the fueling facility;

determining the preferred fueling facility based on a proximity of the preferred fueling facility to at least one of the situs of the vehicle within the present geospatial location and the future geospatial location of the vehicle;

applying an algorithm to determine whether the preferred fueling facility is at least one of an in-network fueling facility, a best fuel price fueling facility, a fuel rebate fueling facility, a convenient location fueling facility, and a facilities available fueling facility; and

automatically adjusting a planned route based on an application of the algorithm.

15. The system of claim 14 further comprising determining the preferred fueling facility based on at least one of a plurality of fueling locations associable with the fuel card, a fuel type data associable with the vehicle, a geospatial tracking data, a real-time vehicle location data, a fuel estimate data and a vehicle profile data.

16. The system of claim 14 further comprising determining the preferred fueling facility based on a previous use of the fuel card at an another fueling facility such that the planned route associable with the vehicle is automatically adjusted based on at least one of an estimated miles per gallon and a mileage driven since the previous use of the fuel card at the another fueling facility.

17. A method comprising:

permitting a provider of a fuel card access to a geospatial data indicative of a situs of a vehicle associable with the fuel card within a present geospatial location through a geospatial positioning device inside the vehicle upon use of the fuel card at a fueling facility;

utilizing a data link from a base terminal communicatively coupled to the geospatial positioning device such that the geospatial data indicative of a situs of the vehicle associable with the fuel card within the geospatial location is transmitted from the geospatial positioning device to the base terminal via the data link;

determining at least one of a quantity of fuel purchased with the fuel card at the fueling facility within the present geospatial location and a mileage driven by the vehicle since a last fueling such that a preferred fueling facility is determinable based on a future geospatial location of the vehicle; and

generating an alert communication to a party comprising the preferred fueling facility based on at least one of the future geospatial location of the vehicle and a planned route associable with the vehicle.

18. The method of claim 17 wherein the geospatial data indicative of a situs of a vehicle within the present geospatial location comprises a telemetry data associated with the vehicle such that the telemetry data is received on a server device from the geospatial positioning device.

19. The method of claim 17 further comprising comparing the use of the fuel card at the fueling facility with at least one of a plurality of other fueling facilities along the planned route and a plurality of preferred fueling facilities to determine whether a variance is beyond a threshold limit.

20. The method of claim 17 further comprising generating an emergency fueling communication to the party upon determination of a distance between the fueling facility where the fuel card was last used and the preferred fueling facility such that the planned route is automatically adjusted to account for a fuel tank level associable with the vehicle.

21. The method of claim 17 wherein the alert communication comprising the preferred fueling facility indicates whether the preferred fueling facility is at least one of an in-network fueling facility, a best fuel price fueling facility, a fuel rebate fueling facility, a convenient location fueling facility, and a facilities available fueling facility.

22. The method of claim 17 wherein the alert communication comprising the preferred fueling facility is transmitted via at least one of a short message service, an electronic mail, an on-board mobile data terminal, an on-board navigation system, and a mobile communication system.

23. The method of claim 17 wherein the fuel card is associated with a driver of the vehicle.