Geolocation error tracking in transaction processing
First Claim
1. A method of identifying risky transactions, comprising:
- receiving, from a service provider, a transaction and a message which includes information indicative of a failure to collect geolocation data associated with the transaction;
generating an authentication result based on the information indicative of the failure to collect geolocation data associated with the transaction; and
sending the authentication result to the service provider;
wherein receiving the transaction and the message includes;
obtaining, as part of the message, a value of a geolocation error code indicative of a type of failure to collect geolocation data associated with the transaction;
wherein the transaction is stored in a current entry of a set of entries of a database, the entry including a current value of a geolocation field;
wherein previous entries of the set of entries of the database store information associated with previous transactions; and
wherein generating the authentication result includes;
producing a percentage of a specified number of previous transactions having a value of the geolocation field being equal to the current value of the geolocation error code; and
assigning a risk score to the transaction, the risk score being based on the percentage of the specified number of previous transactions.
9 Assignments
0 Petitions
Accused Products
Abstract
An improved technique tracks errors in collecting geolocation data associated with a transaction. Along these lines, an adaptive authentication engine stores information indicative of a failure to collect geolocation data associated with the transaction. In particular, this information takes the form of a geolocation collection state; the adaptive authentication engine stores such a state in a field of a database that contains historical transaction information. If a service provider failed to collect geolocation information for a transaction, the adaptive authentication engine stores a “Fail” value in the geolocation collection state field of the database entry associated with the transaction. Adaptive authentication techniques may then correlate such “Fail” values with other field values such as time of submission and device type. The result of such a correlation is to build a risk model based on geolocation collection error which the risk engine may then use to compute risk score.
-
Citations
17 Claims
-
1. A method of identifying risky transactions, comprising:
-
receiving, from a service provider, a transaction and a message which includes information indicative of a failure to collect geolocation data associated with the transaction; generating an authentication result based on the information indicative of the failure to collect geolocation data associated with the transaction; and sending the authentication result to the service provider; wherein receiving the transaction and the message includes; obtaining, as part of the message, a value of a geolocation error code indicative of a type of failure to collect geolocation data associated with the transaction; wherein the transaction is stored in a current entry of a set of entries of a database, the entry including a current value of a geolocation field; wherein previous entries of the set of entries of the database store information associated with previous transactions; and wherein generating the authentication result includes; producing a percentage of a specified number of previous transactions having a value of the geolocation field being equal to the current value of the geolocation error code; and assigning a risk score to the transaction, the risk score being based on the percentage of the specified number of previous transactions. - View Dependent Claims (2, 3, 4, 5, 15, 16)
-
-
6. A system constructed and arranged to identify risky transactions, the system comprising:
-
a network interface; a memory; and a controller which includes controlling circuitry coupled to the memory, the controlling circuitry being constructed and arranged to; receive, from a service provider, a transaction and a message which includes information indicative of a failure to collect geolocation data associated with the transaction; generate an authentication result based on the information indicative of the failure to collect geolocation data associated with the transaction; and send the authentication result to the service provider; wherein receiving the transaction and the message includes; obtaining, as part of the message, a value of a geolocation error code indicative of a type of failure to collect geolocation data associated with the transaction; wherein the transaction is stored in a current entry of a set of entries of a database, the entry including a current value of a geolocation field; wherein previous entries of the set of entries of the database store information associated with previous transactions; and wherein generating the authentication result includes; producing a percentage of a specified number of previous transactions having a value of the geolocation field being equal to the current value of the geolocation error code; and assigning a risk score to the transaction, the risk score being based on the percentage of the specified number of previous transactions. - View Dependent Claims (7, 8, 9, 10)
-
-
11. A computer program product having a non-transitory, computer-readable storage medium which stores code to identify risky transactions, the code including instructions to:
-
receive, from a service provider, a transaction and a message which includes information indicative of a failure to collect geolocation data associated with the transaction; generate an authentication result based on the information indicative of the failure to collect geolocation data associated with the transaction; and send the authentication result to the service provider; wherein receiving the transaction and the message includes; obtaining, as part of the message, a value of a geolocation error code indicative of a type of failure to collect geolocation data associated with the transaction; wherein the transaction is stored in a current entry of a set of entries of a database, the entry including a current value of a geolocation field; wherein previous entries of the set of entries of the database store information associated with previous transactions; and wherein generating the authentication result includes; producing a percentage of a specified number of previous transactions having a value of the geolocation field being equal to the current value of the geolocation error code; and assigning a risk score to the transaction, the risk score being based on the percentage of the specified number of previous transactions. - View Dependent Claims (12, 13, 14)
-
-
17. A method of identifying risky transactions, comprising:
-
receiving, from a service provider and by a processor, a transaction and a message which includes information indicative of a failure to collect geolocation data associated with the transaction; generating, by the processor, an authentication result based on the information indicative of the failure to collect geolocation data associated with the transaction; and sending, by the processor, the authentication result to the service provider; wherein receiving the transaction and the message includes; obtaining, as part of the message, a value of a geolocation error code indicative of a type of failure to collect geolocation data associated with the transaction; wherein the transaction is stored in a current entry of a set of entries of a database, the entry including a current value of a geolocation field; wherein previous entries of the set of entries of the database store information associated with previous transactions; and wherein generating the authentication result includes; producing a percentage of a specified number of previous transactions having a value of the geolocation field being equal to the current value of the geolocation error code; and assigning a risk score to the transaction, the risk score being based on the percentage of the specified number of previous transactions.
-
Specification