System and method for automated analysis comparing a wireless device location with another geographic location

• US 9,922,323 B2
• Filed: 05/28/2013
• Issued: 03/20/2018
• Est. Priority Date: 03/16/2007
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Buhrmann, Michael F., Dennis, Charles, Reeder, Mary, Brennan, Jeffrey
• Primary Examiner(s): Akintola, Olabode
• Application Number:
  US13/903,663
• Publication Number:
  US 20130262311A1
• Time in Patent Office: 1,757 Days
• Field of Search: 705 35- 44
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/1416 Event detection, e.g. attack signature detection
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 12/12 Detection or prevention of fraud
• CPC Class Codes: H04W 12/63 Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/71 Hardware identity
• CPC Class Codes: H04W 12/72 Subscriber identity
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/029 Location-based management or tracking services
• CPC Class Codes: H04W 64/006 with additional information processing, e.g. for direction or speed determination
• CPC Class Codes: H04W 84/005 : Moving wireless networks

Abstract

A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.

Claims

1. A method of comparing a wireless device'"'"'s location with a wireless device user'"'"'s location to mitigate a fraudulent use of a credit card of the user, the method comprising:

obtaining, via a payment terminal, account data including a wireless device identifier stored on the credit card to execute a financial transaction, wherein the wireless device identifier is stored in an application data file on an integrated circuit chip of the credit card by an issuer via a secure chip update process that includes verification of the user'"'"'s identity;

sending, over at least one network, a request to obtain information identifying the location of the wireless device based on the wireless device identifier;

receiving, from a first source, information identifying a last known location of the wireless device in a first format and a time associated with the last known location when a current location of the wireless device is unavailable;

receiving, from a second source, information identifying the location of the payment terminal in a second format;

converting the information identifying a last known location of the wireless device and the information identifying the location of the payment terminal into a common format;

comparing the information identifying the last known location of the wireless device with the information identifying the location of the payment terminal;

evaluating an age of the last known location and results of the comparison of the information identifying the last known location of the wireless device with the information identifying the location of the payment terminal to determine a relative degree of proximity of the wireless device with the payment terminal; and

sending the determined relative degree of proximity to a results processing system,

wherein the financial transaction is determined to be valid or invalid based on the relative degree of proximity, and a comparison between;

the wireless device identifier obtained by the payment terminal and inserted into a payment authorization request sent to the issuer to request authorization for the financial transaction, and

a previously stored wireless device identifier of the user obtained from a cardholder profile database.

2. The method of claim 1, wherein the wireless device identifier is a Mobile Directory Number.

3. The method of claim 1, wherein a database is employed associating wireless device locations with locations of wireless device users using common wireless device identifiers.

4. The method of claim 1, wherein a database is employed associating wireless device locations identified by wireless device identifiers with locations of individuals identified by another form of identifiers.

5. The method of claim 1, wherein a database is employed associating dates and times with obtained wireless device locations identified by wireless device identifiers and geographic places.

6. The method of claim 1, wherein the results of the comparison are used to validate the wireless device user'"'"'s identity.

7. The method of claim 1, wherein the results of the comparison are used to invalidate the wireless device user'"'"'s identity.

8. The method of claim 1, wherein the results of the comparison are used by the application to demonstrate the proximity of the wireless device user to another location.

9. The method of claim 1, wherein the issuer performs the comparison of the wireless device identifier in the payment authorization request with the previously stored wireless device identifier of the user obtained from the cardholder profile database.

10. The method of claim 1, wherein a card association performs the comparison of the wireless device identifier in the payment authorization request with the previously stored wireless device identifier of the user obtained from the cardholder profile database.

11. A location comparison system comprising:

a processor; and

a non-transitory computer storage medium coupled to the processor and storing a set of instructions, which when executed by the processor, causes the location comparison system to perform operations including;

obtaining, via a payment terminal, account data including a wireless device identifier stored on the credit card to execute a financial transaction, wherein the wireless device identifier is stored in an application data file on an integrated circuit chip of the credit card by an issuer via a secure chip update process that includes verification of the user'"'"'s identity;

sending, over at least one network, a request to obtain information identifying the location of the wireless device based on the wireless device identifier;

receiving, from a first source, information identifying a last known location of the wireless device in a first format and a time associated with the last known location when a current location of the wireless device is unavailable;

receiving, from a second source, information identifying the location of the payment terminal in a second format;

converting the information identifying a last known location of the wireless device and the information identifying the location of the payment terminal into a common format;

comparing the information identifying the last known location of the wireless device with the information identifying the location of the payment terminal;

evaluating an age of the last known location and results of the comparison of the information identifying the last known location of the wireless device with the information identifying the location of the payment terminal to determine a relative degree of proximity of the wireless device with the payment terminal; and

sending the determined relative degree of proximity to a results processing system,

wherein the financial transaction is determined to be valid or invalid based on the relative degree of proximity, and a comparison between;

the wireless device identifier obtained by the payment terminal and inserted into a payment authorization request sent to the issuer to request authorization for the financial transaction, and

a previously stored wireless device identifier of the user obtained from a cardholder profile database.

12. The location comparison system of claim 11, wherein the wireless device identifier is a Mobile Directory Number.

13. The location comparison system of claim 11, further comprising a database that associates wireless device locations with locations of wireless device users using common wireless device identifiers.

14. The location comparison system of claim 11, further comprising a database that associates wireless device locations identified by wireless device identifiers with locations of individuals identified by another form of identifiers.

15. The location comparison system of claim 11, further comprising a first database that associates dates and times with obtained wireless device locations identified by wireless device identifiers and geographic places.

16. The location comparison system of claim 11, wherein the results of the comparison are used to validate the wireless device user'"'"'s identity.

17. The location comparison system of claim 11, wherein the results of the comparison are used to invalidate the wireless device user'"'"'s identity.

18. The location comparison system of claim 11, wherein the results of the comparison are used by the application to demonstrate the proximity of the wireless device user to another location.

19. The location comparison system of claim 15, further comprising a second database that associates dates and times with activity source locations linked to wireless device identifiers and geographic places.