GPS validation for transactions

• US 10,176,473 B1
• Filed: 12/21/2017
• Issued: 01/08/2019
• Est. Priority Date: 10/31/2006
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Zettner, Steven Dale
• Primary Examiner(s): Patel, Ajit
• Application Number:
  US15/851,337
• Time in Patent Office: 383 Days
• Field of Search: None
• CPC Class Codes: G01S 1/00 Beacons or beacon systems transmitting signals having a characteristic or characteristics capable of being detected by non-directional receivers and defining directions, positions, or position lines fixed relatively to the beacon transmitters; Receivers co-operating therewith position fixing by co-ordinating a plurality of determinations of direction or position lines G01S5/00
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/025 using location based information parameters
• CPC Class Codes: H04W 4/029 Location-based management or tracking services
• CPC Class Codes: H04W 64/00 Locating users or terminals or network equipment for network management purposes, e.g. mobility management

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.

Claims

1. A computerized method comprising:

receiving, by a point of sale terminal at a retail location, a request for a transaction including a payment card identifier associated with a user;

in response to being triggered by a location verification provision;

transmitting, by the point of sale terminal to a remote server, a request for a location of a device associated with the user along with a time at which the transaction was attempted;

receiving information indicative of the location of the device associated with the user;

comparing, by the point of sale terminal, the location of the device associated with the user to a location of the retail location;

in response to the location of the device being different from the location of the retail location, sending, by the point of sale terminal, an authorization request to the device; and

upon receiving a response to the authorization request authorizing the transaction, completing the transaction.

2. The computerized method of claim 1, wherein the location verification provision is triggered when an amount of the transaction is above a predetermined transaction amount.

3. The computerized method of claim 1, wherein the location verification provision is triggered when the user has not previously completed a transaction at the retail location.

4. The computerized method of claim 1, wherein the location verification provision is triggered randomly.

5. The computerized method of claim 1, wherein the remote server searches a database including payment card identifiers to determine the information indicative of the location of the device at the time the transaction was attempted, and wherein each payment card identifier is associated with the user and the device.

6. The computerized method of claim 1, wherein the location of the device is the same as the location of the retail location when the location of the device is the same as the location of the retail location within a certain time period of the time at which the transaction was attempted.

7. The computerized method of claim 1, wherein the location of the device is the same as the location of the retail location when the location of the device is within a predetermined distance of the location of the retail location.

8. A non-transitory, computer-readable medium storing instructions that, when executed by at least one computing device, cause the computing device to perform operations comprising:

receiving a request for a transaction including a payment card identifier associated with a user;

in response to being triggered by a location verification provision;

transmitting, by a point of sale terminal to a remote server, a request for a location of a device associated with the user along with a time at which the transaction was attempted;

receiving information indicative of the location of the device associated with the user;

comparing, by the point of sale terminal, the location of the device associated with the user to a location of the retail location;

in response to the location of the device being different from the location of the retail location, sending, by the point of sale terminal, an authorization request to the device; and

upon receiving a response to the authorization request authorizing the transaction, completing the transaction.

9. The non-transitory, computer-readable medium of claim 8, wherein the location verification provision is triggered when an amount of the transaction is above a predetermined transaction amount.

10. The non-transitory, computer-readable medium of claim 8, wherein the location verification provision is triggered when the user has not previously completed a transaction at the retail location.

11. The non-transitory, computer-readable medium of claim 8, wherein the location verification provision is triggered randomly.

12. The non-transitory, computer-readable medium of claim 8, wherein the remote server searches a database including payment card identifiers to determine the information indicative of the location of the device at the time the transaction was attempted, and wherein each payment card identifier is associated with the user and the device.

13. The non-transitory, computer-readable medium of claim 8, wherein the location of the device is the same as the location of the retail location when the location of the device is the same as the location of the retail location within a certain time period of the time at which the transaction was attempted.

14. The non-transitory, computer-readable medium of claim 8, wherein the location of the device is the same as the location of the retail location when the location of the device is within a predetermined distance of the location of the retail location.

15. A system comprising:

a non-transitory, computer readable medium for storing data associated with content and a user;

a processor for executing instructions stored on the non-transitory, computer readable medium, wherein the instructions perform a process that includes;

receiving a request for a transaction including a payment card identifier associated with the user;

in response to being triggered by a location verification provision;

transmitting, by a point of sale terminal to a remote server, a request for a location of a device associated with the user along with a time at which the transaction was attempted;

receiving information indicative of the location of the device associated with the user;

comparing, by the point of sale terminal, the location of the device associated with the user to a location of the retail location;

in response to the location of the device being different from the location of the retail location, sending, by the point of sale terminal, an authorization request to the device; and

upon receiving a response to the authorization request authorizing the transaction, completing the transaction.

16. The system of claim 15, wherein the location verification provision is triggered when an amount of the transaction is above a predetermined transaction amount.

17. The system of claim 15, wherein the location verification provision is triggered when the user has not previously completed a transaction at the retail location.

18. The system of claim 15, wherein the location verification provision is triggered randomly.

19. The system of claim 15, wherein the remote server searches a database including payment card identifiers to determine the information indicative of the location of the device at the time the transaction was attempted, and wherein each payment card identifier is associated with the user and the device.

20. The system of claim 15, wherein the location of the device is the same as the location of the retail location when the location of the device is the same as the location of the retail location within a certain time period of the time at which the transaction was attempted and when the location of the device is within a predetermined distance of the location of the retail location.