Transaction validation by location based services (LBS)

• US 20130117155A1
• Filed: 11/04/2011
• Published: 05/09/2013
• Est. Priority Date: 11/04/2011
• Status: Abandoned Application

• Current Assignee: TeleCommunication Systems Inc (Comtech Telecommunications Corporation)
• Original Assignee: TeleCommunication Systems Inc (Comtech Telecommunications Corporation)
• Inventors: Glasgo, Michael Laine
• Application Number:
  US13/373,103
• Publication Number:
  US 20130117155A1
• Time in Patent Office: Days
• US Class Current: 705/26.35
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A commercial transaction is associated with a current location of a wireless device having location services enabled at the time of the transaction. The current location is compared to an entry in a database of associated merchants accepting transactions to the locations that they handle such transactions. If a match in location is found, the transaction may be validated. If the wireless device registered as the device of the person believed to be conducting the transaction is not at an expected or acceptable location at the time of the transaction, then the transaction may be flagged for possible fraudulent activity. At the time of the transaction, a software location based services (LBS) trigger is initiated to request validation of the transaction based on the wireless device'"'"'s current location.

Claims

1. A method of validating a commercial transaction, comprising:

receiving a request to validate a given transaction between a registered possessor of a wireless device and a merchant;

obtaining a current position of said wireless device that has location services enabled;

comparing said current position of said wireless device to an expected location or region relating to said merchant; and

returning a validation response to said request, said validation response relating to validation of said given transaction, when said comparison results in an appropriate match.

2. The method of validating a commercial transaction according to claim 1, wherein:

said wireless device is a mobile phone.

3. The method of validating a commercial transaction according to claim 1, wherein:

said wireless device is a mobile phone also acting as an electronic wallet.

4. The method of validating a commercial transaction according to claim 1, wherein:

said merchant is mobile.

5. The method of validating a commercial transaction according to claim 2, wherein:

said merchant is mobile.

6. The method of validating a commercial transaction according to claim 1, further comprising:

referencing a geo-referenced merchant database to obtain said expected location or region relating to said merchant.

7. The method of validating a commercial transaction according to claim 1, wherein:

said request to validate said given transaction is initiated by said wireless device.

8. The method of validating a commercial transaction according to claim 1, wherein:

said request to validate said given transaction is initiated by a network-based application.

9. A method of obtaining location-based validation of a given commercial transaction, comprising:

establishing a session with a wireless device relating to a commercial transaction;

requesting location-based validation of said commercial transaction based on a current location of said wireless device, said wireless device having location services enabled;

receiving location-based validation of said commercial transaction; and

accepting and completing said commercial transaction based on said receipt of said location-based validation.

10. The method of obtaining location-based validation of a given commercial transaction according to claim 9, wherein:

said wireless customer is a mobile phone.

11. The method of obtaining location-based validation of a given commercial transaction according to claim 9, further comprising:

providing, along with said request for location-based validation, a current location of a merchant end of said commercial transaction.