Mobile location notifications system and method

• US 9,424,603 B2
• Filed: 09/13/2012
• Issued: 08/23/2016
• Est. Priority Date: 09/13/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Hariramani, Prakash
• Primary Examiner(s): Civan, Ethan D
• Application Number:
  US13/615,199
• Publication Number:
  US 20130246220A1
• Time in Patent Office: 1,440 Days
• Field of Search: 705 261- 272
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0639 Item locations

Abstract

Embodiments of the invention are directed to systems, apparatuses, and methods for determining the location of a mobile merchant, and performing further processing based on the determined location. Transaction data for a transaction conducted by a mobile merchant is electronically received at a server computer. The server computer determines a location of the mobile merchant based on the transaction data, and performs further processing based on the location of the mobile merchant.

Claims

1. A method, performed by a server computer, the method comprising:

electronically receiving, by the server computer, an authorization request message transmitted by an access device operated by a mobile merchant, the authorization request message corresponding to a transaction conducted by the mobile merchant and including;

a first data element identifying a transaction time, the transaction time corresponding to the time the authorization request message was transmitted; and

a second data element identifying a mobile merchant location, the mobile merchant location corresponding to the location of the access device at the time the authorization request message was transmitted, wherein the mobile merchant location is determined utilizing one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data;

extracting, by the server computer, the first data element and the second data element from the received authorization request message;

analyzing, by the server computer, the extracted first and second data elements to determine the transaction time and the mobile merchant location;

electronically receiving, by the server computer, a client device location transmitted by a client device;

determining, by the server computer, that the distance between the mobile merchant location and the client device location is within a threshold distance;

generating, by the server computer, a notification message when the distance between the mobile merchant location and the client device location is within the threshold distance, wherein the notification message includes a graphical indication of the mobile merchant location and the transaction time, wherein the graphical indication corresponds to the mobile merchant location, which is determined using one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data; and

electronically transmitting, by the server computer, the notification message to the client device according to a schedule established in association with the client device, wherein the client device is enabled to display the notification message.

2. The method of claim 1, wherein the client device is associated with a consumer, and wherein the client device location corresponds to the location of the consumer.

3. The method of claim 1, wherein the transaction is further conducted by a first consumer, wherein the client device is associated with a second consumer, wherein the client device location corresponds to the second consumer, and wherein the method further comprises:

determining, by the server computer, that the first consumer is associated with a social network; and

determining, by the server computer, that the second consumer is associated with the social network.

4. The method of claim 1, wherein the client device is associated with a stationary merchant, and wherein the client device location corresponds to the location of the stationary merchant.

5. The method of claim 1, wherein the mobile merchant is a first mobile merchant, wherein the client device is associated with a second mobile merchant, and wherein the client device location corresponds to the location of the second mobile merchant.

6. The method of claim 1 further comprising electronically receiving coupon data from the mobile merchant, wherein the generated notification message further includes a graphical indication of the coupon data.

7. The method of claim 1, wherein the server computer is located in a payment processing network configured to process electronic payment transactions and to provide clearing and settlement services.

8. The method of claim 1, wherein the notification message further includes a graphical indication of the mobile merchant, a category of the mobile merchant, and a date the authorization request message was transmitted.

9. The method of claim 1, wherein the client device location is transmitted to the server computer as a push notification by an application running on the client device.

10. The method of claim 1, wherein the client device location is pulled from the client device by a server computer.

11. The method of claim 1, wherein the authorization request message is an ISO 8583 message.

12. The method of claim 1, wherein the client device location is periodically transmitted by the client device.

13. The method of claim 1, wherein the server computer periodically requests the client device location from the client device.

14. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor for implementing a method comprising;

electronically receiving an authorization request message transmitted by an access device operated by a mobile merchant, the authorization request message corresponding to a transaction conducted by the mobile merchant and including;

a first data element identifying a transaction time, the transaction time corresponding to the time the authorization request message was transmitted; and

a second data element identifying a mobile merchant location, the mobile merchant location corresponding to the location of the access device at the time the authorization request message was transmitted, wherein the mobile merchant location is determined utilizing one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data;

extracting the first data element and the second data element from the received authorization request message;

analyzing the extracted first and second data elements to determine the transaction time and the mobile merchant location;

electronically receiving a client device location transmitted by a client device;

determining that the distance between the mobile merchant location and the client device location is within a threshold distance;

generating a notification message when the distance between the mobile merchant location and the client device location is within the threshold distance, wherein the notification message includes a graphical indication of the mobile merchant location and the transaction time, wherein the graphical indication corresponds to the mobile merchant location, which is determined using one or more of global positioning system (GPS) data, cellular phone tower triangulation data, cellular phone tower signal strength data, wireless access point location data, or internet protocol (IP) address data; and

electronically transmitting the notification message to the client device according to a schedule established in association with the client device, wherein the client device is enabled to display the notification message.

15. The server computer of claim 14, wherein the client device is associated with a consumer, and wherein the client device location corresponds to the location of the consumer.

16. The server computer of claim 14, wherein the transaction is further conducted by a first consumer, wherein the client device is associated with a second consumer, wherein the client device location corresponds to the second consumer, and wherein the method further comprises:

determining, by the server computer, that the first consumer is associated with a social network; and

determining, by the server computer, that the second consumer is associated with the social network.

17. The server computer of claim 14, wherein the client device is associated with a stationary merchant, and wherein the client device location corresponds to the location of the stationary merchant.

18. The server computer of claim 14, wherein the mobile merchant is a first mobile merchant, wherein the client device is associated with a second mobile merchant, and wherein the client device location corresponds to the location of the second mobile merchant.