SYSTEMS AND METHODS FOR IMPLEMENTING AUTHENTICATION BASED ON LOCATION HISTORY
First Claim
1. A system comprising:
- a memory storing a payment account of a user and location history of the user; and
one or more processors in communication with the memory and adapted to;
receive an authentication request from the user;
perform a comparison analysis between recent location history of a user device and routines of the user;
authenticate the user based on the comparison analysis.
2 Assignments
0 Petitions
Accused Products
Abstract
A system and/or method may be provided to authenticate a user based on the user'"'"'s location history. In particular, the user'"'"'s past locations and movements may be detected at the user'"'"'s mobile device. Information with regard to the user'"'"'s movements and location may be collected and analyzed to determine certain routines, such as locations frequently visited or routes frequently taken. When a payment request is made from the user'"'"'s mobile device, the mobile device'"'"'s recent location history may be compared with the routines of the user. A confidence score may be generated based on the user'"'"'s recent location history. The confidence score may be used to authenticate the user for the payment request. In an embodiment, the confidence score may be used to determine the transaction fee for using a certain funding source, such as a credit card.
75 Citations
20 Claims
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1. A system comprising:
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a memory storing a payment account of a user and location history of the user; and one or more processors in communication with the memory and adapted to; receive an authentication request from the user; perform a comparison analysis between recent location history of a user device and routines of the user; authenticate the user based on the comparison analysis. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method comprising:
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receiving, by hardware processor of a payment service provider, an authentication request from a user of a payment account registered at the payment service provider; performing, by the hardware processor, a comparison analysis between recent location history of a user device and routines of the user; authenticating, by the hardware processor, the user based on the comparison analysis. - View Dependent Claims (13, 14, 15, 16, 17)
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18. A non-transitory computer-readable medium comprising instructions which, in response to execution by a computer system, cause the computer system to perform a method comprising:
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collecting a location history of a user detected at a mobile device of the user; determining routines of the user based on the location history of the user; authenticating the user at the mobile device based on a comparison between a recent location history of the user and the routines of the user. - View Dependent Claims (19, 20)
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Specification