FRAUD ANALYSIS FOR A LOCATION AWARE TRANSACTION

• US 20130036037A1
• Filed: 08/05/2011
• Published: 02/07/2013
• Est. Priority Date: 02/25/2010
• Status: Active Grant

• Current Assignee: AT&T Mobility II LLC (AT&T, Inc.)
• Original Assignee: AT&T Mobility II LLC (AT&T, Inc.)
• Inventors: Meredith, Sheldon, Austin, Mark, Pastore, John
• Granted Patent: US 9,053,513 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/029 Location-based management or tracking services

Abstract

The disclosed subject matter provides for fraud analysis for a location aware transaction. In an aspect, location information can be associated with historical fraud events. The location of user equipment can be analyzed against historical fraud information to facilitate determination of a fraud factor value. The fraud factor value can reflect a determination related to the likelihood of fraud occurring in the present transaction based on the historic fraud events at the same or similar location as the present location of the user equipment. The determination can be based on fraud rules. Further aspects provide for abstraction of the fraud factor to limit exposure of personal information associated with wireless carrier subscribers in fraud analysis for a location aware transaction.

Claims

1. A system, comprising:

a location determination component configured to determine a location of a user equipment; and

an analysis component configured to determine a value based on satisfaction of a predetermined condition relating to historical fraud information associated with the location of the user equipment.

2. The system of claim 1, wherein the location determination component employs timed fingerprint location information to determine the location of the user equipment.

3. The system of claim 1, wherein the user equipment comprises the analysis component.

4. The system of claim 1, wherein a wireless carrier component comprises the analysis component.

5. The system of claim 1, wherein a vendor component comprises the analysis component.

6. The system of claim 1, further comprising a decision engine component configured to determine the satisfaction of the predetermined condition relating to the historical fraud information associated with the location of the user equipment.

7. The system of claim 6, further comprising a rule component configured to receive a rule associated with the historical fraud information.

8. The system of claim 1, further comprising a fraud history information component configured to receive the historical fraud information associated with the location of the user equipment.

9. The system of claim 8, wherein the historical fraud information includes a fraud event.

10. The system of claim 9, wherein the fraud event is correlated with temporal information.

11. The system of claim 1, wherein the analysis component is further configured to determine the value as a function of a weighting factor based on an elapsed time from a fraud event occurrence.

12. The system of claim 1, wherein the analysis component is further configured to associate the value to a transaction identifier.

13. The system of claim 12, wherein the transaction identifier associated with a present transaction event is added to a historical fraud information store.

14. The system of claim 13, wherein the transaction identifier added to the historical fraud information store is, at a future time, updated with historical fraud information relating to the previously present transaction event.

15. A method, comprising:

receiving location information associated with a user equipment;

receiving fraud history information based on the location information associated with the user equipment; and

determining a value in response to satisfying a predetermined condition relating to the fraud history information.

16. The method of claim 15, further comprising receiving user equipment identification information to facilitate the receiving the location information.

17. The method of claim 15, wherein the receiving the location information includes receiving timed fingerprint location information.

18. The method of claim 15, further comprising receiving event identifier information to be associated with the fraud history information.

19. A computing device comprising a processor, the processor at least configured to:

receive user equipment identifier information associated with a user equipment;

receive a transaction identifier for a transaction associated with the user equipment;

receive location information associated with the user equipment;

receive historical fraud information related to the location information;

determine a fraud factor value based on the historical fraud information and the location information;

associate the fraud factor value with the transaction identifier information; and

facilitate access to the fraud factor value and the transaction identifier information.

20. The computing device of claim 19, wherein the location information includes timed fingerprint location information.