E-card transaction authorization based on geographic location

• US 9,317,847 B2
• Filed: 09/23/2014
• Issued: 04/19/2016
• Est. Priority Date: 09/23/2014
• Status: Active Grant

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Candelore, Brant, Zustak, Frederick J., Richman, Steven Martin
• Primary Examiner(s): HESS, DANIEL A
• Application Number:
  US14/493,911
• Publication Number:
  US 20160086155A1
• Time in Patent Office: 574 Days
• Field of Search: 235/379, 235/380, 705/35, 705/44
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

Transactions using a bank customer'"'"'s electronic debit or credit card (“e-card”) are authorized based on geographic location. For example, a transaction may be denied if it is determined that no legitimate Point of Sale (POS) terminals are in the area of the e-card.

Claims

1. Apparatus comprising;

at least one processor; and

at least one computer readable storage medium including instructions which when executed by the processor configure the processor to;

receive indication of an interrogation of an electronic transaction card (e-card) by an interrogating device;

responsive to the indication, authorize the e-card to respond to the interrogation only responsive to a determination that an authorized point of sate (POS) device is proximate to a location.

2. The apparatus of claim 1, wherein the instructions when executed by the processor configure the processor to determine that an authorized POS device is proximate to the location at least in part by determining that an authorized POS device is within a threshold distance of the location.

3. The apparatus of claim 1, wherein the location is a location of the e-card.

4. The apparatus of claim 1, wherein the apparatus is implemented by a consumer electronics (CE) device configured to receive the indication of the interrogation from the e-card, and the location is a location of the CE device.

5. The apparatus of claim 4, wherein the instructions when executed by the processor configure the processor to determine that an authorized POS device is proximate to the location at least in part by accessing a stored map of authorized POS device locations and comparing a location of the CE device to locations on the map, and then determining a distance between a nearest POS device on the map and the location of the CE device.

6. The apparatus of claim 1, wherein the instructions when executed by the processor configure the processor to send a message to a server reporting a denial of a transaction implicated by the interrogation.

7. The apparatus of claim 1, wherein the instructions when executed by the processor configure the processor to present on a display a message reporting a denial of a transaction implicated by the interrogation.

8. The apparatus of claim 1, wherein the apparatus is implemented by a server configured to receive from a consumer electronics (CE) device the indication of the interrogation from the e-card.

9. Non-transitory computer readable storage medium (NTCRSM) including instructions executable by a processor to configure the processor to:

receive indication of an interrogation of an electronic transaction card (e-card) by an interrogating device;

responsive to the indication, present on a display an authorized point of sale (POS) terminal map and at least one selector element selectable to send a signal to the e-card to prevent or enable the e-card to respond to the interrogation.

10. The NTCRSM of claim 9, wherein the instructions when executed by the processor configure the processor to present on the display a message reporting a denial of a transaction implicated by the interrogation.

11. The NTCRSM of claim 9, wherein the instructions when executed by the processor configure the processor to present on the display selector element selectable to send a signal to the e-card to prevent the e-card to respond to the interrogation.

12. The NTCRSM of claim 9, wherein the instructions when executed by the processor configure the processor to present on the display selector element selectable to send a signal to the e-card to enable the e-card to respond to the interrogation.

13. A computer-implemented method comprising:

receiving, by a computer, indication of an interrogation of an electronic transaction card (e-card) by an interrogating device;

responsive to the indication, authorizing, using a computer, the e-card to respond to the interrogation only responsive to a determination that an authorized point of sale (POS) device is proximate to a location.

14. The method of claim 13, comprising determining that an authorized POS device is proximate to the location at least in part by determining that an authorized POS device is within a threshold distance of the location.

15. The method of claim 13, wherein the location is a location of the e-card.

16. The method of claim 13, wherein the method is implemented by a consumer electronics (CE) device configured to receive the indication of the interrogation from the e-card, and the location is a location of the CE device.

17. The apparatus of claim 16, comprising determining that an authorized POS device is proximate to the location at least in part by accessing a stored map of authorized POS device locations and comparing a location of the CE device to locations on the map, and then determining a distance between a nearest POS device on the map and the location of the CE device.

18. The method of claim 13, comprising sending a message to a server reporting a denial of a transaction implicated by the interrogation.

19. The method of claim 13, comprising presenting on a display a message reporting a denial of a transaction implicated by the interrogation.

20. The method of claim 13, wherein the apparatus is implemented by a server configured to receive from a consumer electronics (CE) device the indication of the interrogation from the e-card.

21. The method of claim 13, comprising presenting on a display an authorized point of sale (POS) terminal map and at least one selector element selectable to send a signal to the e-card to prevent or enable the e-card to respond to the interrogation.