POINT-OF-SALE LOCATION CHECK FOR PAYMENT CARD PURCHASES

• US 20150347999A1
• Filed: 05/28/2014
• Published: 12/03/2015
• Est. Priority Date: 05/28/2014
• Status: Active Grant

• Current Assignee: Verizon Patent and Licensing Incorporated (Verizon Communications Inc.)
• Original Assignee: Verizon Patent and Licensing Incorporated (Verizon Communications Inc.)
• Inventors: Lau, Priscilla, Kotecha, Lalit R., Sanjeev, Kumar, Li, Mingxing S.
• Granted Patent: US 10,032,151 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/4014 Identity check for transactions

Abstract

Credit card fraud prevention techniques are disclosed in which the authorization of a payment card may be performed using information obtained from a mobile device (e.g., a smart phone) associated with a user who initiates a point-of-sale payment card transaction. In one implementation, a device may receive a request for authorization of a payment associated with a payment card; and obtain location information relating to a location of a mobile device associated with a user of the payment card. The device may determine, based at least on a location of the point-of-sale terminal and the location of the mobile device, whether to authorize the request for authorization of the payment.

Claims

9. A system comprising:

a non-transitory memory device storing computer-executable instructions; and

one or more processors configured to execute the computer-executable instructions, wherein executing the computer-executable instructions causes the one or more processors to;

receive, from a point-of-sale terminal, a request for authorization of a payment associated with a payment card;

obtain location information relating to a location of a mobile device associated with a user of the payment card;

determine, based at least on a location of the point-of-sale terminal and the location of the mobile device, whether to authorize the request for authorization of the payment; and

transmit, to the point-of-sale terminal, a result of the determination of whether to authorize the payment.

10. The system of claim 9, wherein the request includes an indication of a location of the point-of-sale terminal.

11. The system of claim 9, wherein, when determining to authorize the request for authorization of the payment, the computer-executable instructions further cause the one or more processors to:

determine a distance between the location of the point-of-sale terminal and the location of the mobile device, wherein the result of the determination of whether to authorize the payment is a declined authorization when the distance is greater than a threshold.

12. The system of claim 9, wherein, when obtaining the location information, the computer-executable instructions further cause the one or more processors to:

identify the mobile device based on the request for authorization of the payment; and

query, based on the identification of the mobile device, a mobile device location server for the location of the mobile device.

13. The system of claim 9, wherein the computer-executable instructions further cause the one or more processors to:

receive, from the point-of-sale terminal, information obtained from the mobile device, wherein the determination of whether to authorize the request is further based on the information obtained from the mobile device.

14. The system of claim 13, wherein the information obtained from the mobile device includes a passcode entered by a user of the mobile device, biometric information associated with a user of the mobile device, or a unique identifier of the mobile device.

15. A method comprising:

receiving, by a point-of-sale terminal, a first request to authorize payment for merchandise via a payment card, the request including information identifying the payment card;

establishing, by the point-of-sale terminal, a local wireless connection with a mobile device in a vicinity of the point-of-sale terminal;

obtaining, by the point-of-sale terminal and via the local wireless connection, information from the mobile device;

transmitting, by the point-of-sale terminal and to an authorization server, a second request to authorize payment for the merchandise via the payment card, the second request including the information identifying the payment card and the information from the mobile device;

receiving, by the point-of-sale terminal, a response to the second request; and

authorizing or declining, by the point-of-sale terminal and based on the response, the first request to authorize payment for the merchandise.

1. A method comprising:

receiving, by one or more devices and from a point-of-sale terminal, a request for authorization of a payment associated with a payment card;

obtaining, by the one or more devices, location information relating to a location of a mobile device associated with a user of the payment card;

determining, by the one or more devices and based at least on a location of the point-of-sale terminal and the location of the mobile device, whether to authorize the request for authorization of the payment; and

transmitting, by one or more devices and to the point-of-sale terminal, a result of the determination of whether to authorize the payment.

2. The method of claim 1, wherein the request includes an indication of a location of the point-of-sale terminal.

3. The method of claim 1, wherein the determination of whether to authorize the request for authorization of the payment further includes:

determining a distance between the location of the point-of-sale terminal and the location of the mobile device, wherein the result of the determination of whether to authorize the payment is a declined authorization when the distance is greater than a threshold.

4. The method of claim 1, wherein obtaining the location information further comprises:

identifying the mobile device based on the request for authorization of the payment; and

querying, based on the identification of the mobile device, a mobile device location server for the location of the mobile device.

5. The method of claim 4, wherein the mobile device location server is a server operated by a telecommunications provider that provides cellular network connectivity to the mobile device.

6. The method of claim 1, further comprising:

receiving, from the point-of-sale terminal, information obtained from the mobile device, wherein the determination of whether to authorize the request is further based on the information obtained from the mobile device.

7. The method of claim 6, wherein the information obtained from the mobile device includes a passcode entered by a user of the mobile device, biometric information associated with a user of the mobile device, or a unique identifier of the mobile device.

8. The method of claim 6, wherein the information obtained from the mobile device is obtained automatically by the point-of-sale terminal from mobile devices in a vicinity of the point-of-sale terminal.

16. The method of claim 15, wherein obtaining information from the mobile device includes:

obtaining information from a plurality of mobile devices that are in the vicinity of the point-of-sale terminal, wherein the second request includes the information from the plurality mobile devices.

17. The method of claim 15, wherein the local wireless connection includes a Near Field Communication (NFC), Wi-Fi, Wi-Fi Direct, Bluetooth, or Bluetooth Low Energy (BLE) connection.

18. The method of claim 15, wherein the information from the mobile device includes a passcode entered by a user of the mobile device, biometric information associated with a user of the mobile device, or a unique identifier of the mobile device.

19. The method of claim 15, wherein the information from the mobile device includes a fingerprint of the user or the mobile device or an image of a face of the user of the mobile device.

20. The method of claim 15, wherein the second request additionally includes a location of the point-of-sale terminal.

16-1. The method of claim 15, wherein the response to the second request is based at least on the information identifying the payment card, the information from the mobile device, and a location of the mobile device, the location of the mobile device being determined by the authorization server.