SYSTEM AND METHOD FOR AUTOMATED ANALYSIS COMPARING A WIRELESS DEVICE LOCATION WITH ANOTHER GEOGRAPHIC LOCATION

• US 20130262311A1
• Filed: 05/28/2013
• Published: 10/03/2013
• Est. Priority Date: 03/16/2007
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Buhrmann, Michael F., Brennan, Jeffrey, Dennis, Charles, Reeder, Mary
• Granted Patent: US 9,922,323 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/1416 Event detection, e.g. attack signature detection
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 12/12 Detection or prevention of fraud
• CPC Class Codes: H04W 12/63 Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/71 Hardware identity
• CPC Class Codes: H04W 12/72 Subscriber identity
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/029 Location-based management or tracking services
• CPC Class Codes: H04W 64/006 with additional information processing, e.g. for direction or speed determination
• CPC Class Codes: H04W 84/005 : Moving wireless networks

Abstract

A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.

Claims

1. A method of comparing a wireless device'"'"'s location with a wireless device user'"'"'s location to mitigate a fraudulent use of a credit card of the user, the method comprising:

accessing, with a payment terminal, account data stored on the credit card to execute a financial transaction, the account data comprising an identifier of the wireless device;

sending, over at least one network, a request to obtain information identifying the location of the wireless device based on the accessed identifier;

receiving the information identifying the location of the wireless device;

comparing the information identifying the location of the wireless device with information identifying the location of the payment terminal;

evaluating the results of the comparison of the information identifying the location of the wireless device with the information identifying the location of the payment terminal to determine a relative degree of proximity of the wireless device with the payment terminal; and

sending the determined relative degree of proximity to a results processing system where the results may be used by an application to assist in determining whether the financial transaction is valid or invalid.

2. The method of claim 1, wherein the wireless-device identifier is a Mobile Directory Number.

3. The method of claim 1, wherein a database is employed associating wireless device locations with locations of wireless device users using a common wireless device identifier.

4. The method of claim 1, wherein a database is employed associating a wireless device location identified by a wireless device identifier with a location of an individual identified by another form of identifier.

5. The method of claim 1, wherein a database is employed associating the date and time of an obtained wireless device location identified by a wireless device identifier with another date and time of an obtained wireless device location identified by a wireless device identifier.

6. The method of claim 1, wherein results of the comparison are used to validate a wireless device user'"'"'s identity.

7. The method of claim 1, wherein results of the comparison are used to invalidate a wireless device user'"'"'s identity.

8. The method of claim 1, wherein results of the comparison are sent to a results processing system where the results may be used for an application to demonstrate the proximity of the wireless device user to another location.

9. A method of securing an online transaction comprising:

providing access to a system having a merchant website payment page for entering cardholder payment information after prompting a user for a password;

initiating an electronic exchange of information when the cardholder waves or taps the smartphone over the short-range wireless communication receiver on a purchasing device, wherein the purchasing device has a payment application that supplies a smartphone mobile wallet application with any data elements requested by the smartphone mobile wallet application and the smartphone mobile wallet application provides the purchasing device payment application with any data elements requested by the purchasing device payment application via short-range radio waves.

10. The method of claim 9 wherein one data element passed from the smartphone mobile wallet application to the purchasing device payment application is the cardholder'"'"'s Mobile Directory Number (MDN).

11. The method of claim 10 wherein the payment processing application on the purchasing device compares the MDN passed from a smartphone Secure Element to that stored in a purchasing device Secure Element to verify that the smartphone mobile wallet is approved for use on the purchasing device and that the smartphone mobile wallet was proximate to the purchasing device at the point of purchase.