GPS validation for transactions
First Claim
1. A method of verifying a location of a transaction, the method comprising:
- receiving, by a point of sale terminal at a retail location, a credit card number associated with a user attempting to complete a transaction;
transmitting, by the point of sale terminal to a remote database, a request for the location of a mobile device associated with the user attempting to complete the transaction;
receiving information indicative of the location of the mobile device associated with the user attempting to complete the transaction;
comparing, by the point of sale terminal, the location of the mobile device associated with the user to the location of the retail location; and
transmitting a credit authorization request to a credit card authorization service if the location of the mobile device is the same as the location of the retail location.
1 Assignment
0 Petitions
Accused Products
Abstract
A location verification provision is implemented to determine the location of a device associated with a user at the time of an attempted transaction. The attempted transaction includes receiving user identification and/or payment information, which is associated with the device in an entry stored in a database. Location information of the device, as well as a time at each location, may also be stored in the database. To verify that the device is located at the location of the transaction, a comparison operation may be performed. If the device is located where the transaction is being processed, the transaction may be completed. Predetermined criteria may be defined to account for possible inaccuracies in location and time calculations.
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Citations
15 Claims
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1. A method of verifying a location of a transaction, the method comprising:
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receiving, by a point of sale terminal at a retail location, a credit card number associated with a user attempting to complete a transaction; transmitting, by the point of sale terminal to a remote database, a request for the location of a mobile device associated with the user attempting to complete the transaction; receiving information indicative of the location of the mobile device associated with the user attempting to complete the transaction; comparing, by the point of sale terminal, the location of the mobile device associated with the user to the location of the retail location; and transmitting a credit authorization request to a credit card authorization service if the location of the mobile device is the same as the location of the retail location. - View Dependent Claims (2, 3, 4, 5)
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6. A computer-readable storage medium having computer-readable instructions comprising:
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instructions for a point of sale terminal application that executes on a point of sale terminal located at a retail location, the point of sale terminal application including instructions for processing a credit card number associated with a user attempting to complete a transaction; the point of sale terminal application further including instructions for transmitting, to a remote database, a request for the location of a mobile device associated with the user attempting to complete the transaction; the point of sale terminal application further including instructions for receiving, from the remote database, information indicative of the location of the mobile device associated with the user attempting to complete the transaction at a retail location; the point of sale terminal application further including instructions for comparing the location of the mobile device associated with the user to the location of the retail location; and the point of sale terminal application further including instructions for denying the request prior to transmitting a credit authorization request to a credit card authorization service when the location of the mobile device is different than the location of the retail location. - View Dependent Claims (7, 8, 9, 10)
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11. A point of sale terminal configured to be placed at a retail location comprising:
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at least one subsystem configured to receive a credit card number associated with a user attempting to complete a transaction; at least one subsystem configured to transmit a request for the location of a mobile device associated with the user attempting to complete the transaction to a remote database; at least one subsystem configured to receive, from the remote database, information indicative of the location of the mobile device associated with the user attempting to complete the transaction; at least one subsystem configured to compare the location of the mobile device associated with the user to the location of the retail location; at least one subsystem configured to determine that the location of the mobile device is the same as the location of the retail location based on the comparison; and at least one subsystem configured to transmit, based on a determination that the location of the mobile device is the same as the location of the retail location, a credit authorization request to a credit card authorization service. - View Dependent Claims (12, 13, 14, 15)
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Specification