METHOD AND SYSTEM FOR TWO STAGE AUTHENTICATION WITH GEOLOCATION

• US 20130275303A1
• Filed: 04/11/2012
• Published: 10/17/2013
• Est. Priority Date: 04/11/2012
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: FIORE, Michael Henry, Chion, Max
• Application Number:
  US13/444,263
• Publication Number:
  US 20130275303A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/4015 using location information

Abstract

Geographical location information provided by a mobile device is used to assist in providing a first authentication for payment transactions against a payment account number of a user. Mobile device identification is associated with a payment account number of the user such that the user is provided a first authentication for payment transactions against the payment account number when the mobile device has entered a premises of a merchant.

Claims

19. A financial transaction system for two-stage authentication of a user, comprising:

a mobile device of a user configured to transmit information regarding its geographic location;

a storage device, of a managing computer system, configured to store information associating the mobile device of the user with at least one payment account number of the user;

a computer processing device, of the managing computer system, configured to (i) receive the location information from said mobile device, (ii) identify a merchant whereat the mobile device is located, (iii) provide a first authentication of the user of the at least one payment account number associated with the mobile device for payment transactions against said at least one payment account number at said merchant whereat said mobile device is located and (iv) receive second authentication from the user as part of a financial transaction against the at least one payment account number associated with said mobile device at said merchant.

20. The system according to claim 19 wherein the computer processor provides the first authentication prior to initiation, by the user, of a payment transaction at said merchant.

21. The system according to claim 19 wherein the computer processor identifies the merchant upon the mobile device entering the premises of the merchant.

23. The system according to claim 19, wherein the geographic location of the mobile device is identified using at least one of a Global Positioning System, Wi-Fi, radio-frequency identification, Bluetooth, magnetic field detection, and sound-based detection.

24. The system according to claim 19 wherein the computer processor revokes said first authentication of the user of the at least one payment account number at said merchant upon the detection of the mobile phone leaving a premises of said merchant.

25. The system according to claim 19 wherein said location of the mobile device is identified on a basis of a detection, by the mobile device, of a wireless local area network of the merchant.

26. The system according to claim 25, wherein the mobile phone is configured to detect the wireless local area network of said merchant upon entering the premises of the merchant.

27. The system according to claim 19, wherein the computer processor identifies the merchant at which the mobile device is located, upon which said first authentication is based, when said user scans, via the mobile device, a bar code of an item in the premises of said merchant.

28. The system according to claim 24, wherein the detection of the mobile device leaving said merchant'"'"'s premises is based upon losing detection, by said mobile phone, of a wireless local area network of the merchant.

29. The system according to claim 19, wherein the computer processor revokes said first authentication of the user for payment transactions at said merchant after a predetermined time of inactivity at said merchant.

30. The system according to claim 29, wherein said predetermined time of inactivity is preset by said user and is merchant specific, said predetermined time of inactivity being stored in said storage device of said financial transaction system.

31. The system according to claim 19, wherein the computer processor revokes said first authentication of the user for payment transactions at said merchant upon receiving new physical location of said mobile device.

32. The system according to claim 31, wherein the new physical location of the mobile device is based upon information received by at least one of (i) a user'"'"'s manual input of said location on said mobile device, (ii) a detection, by said mobile device, of a wireless local area network of a new merchant, and (iii) bar code information, scanned by the mobile device.

33. The system according to claim 31 wherein said new physical location of the mobile device is identified using one of a Global Positioning System, radio-frequency identification, Bluetooth, magnetic field detection, Wi-Fi, and sound-based detection

22-1. The system according to claim 22, wherein said computer processor, in order to identify said merchant, queries the storage device for merchant information stored therein that is associated with said received wireless local area networks detected by said mobile device.