US 10,482,081 B2Granted

Methods and systems for validating online transactions using location information

AssigneeBce Inc.

InventorsJean Bouchard, Stéphane Maxime Francois Fortier

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Abstract

A method comprising: obtaining a service point location, the service point location being associated with a logical identifier assigned to end-user equipment used in an attempt to make an online transaction; obtaining at least one authorized transaction point location, the at least one authorized transaction point location being associated with transaction object information provided via the end-user equipment; comparing the service point location to each of the at least one authorized transaction point location; and performing an action related to validation of the online transaction based on a result of the comparing. Also provided is an apparatus for implementing this method.

Claims102

Dependent claims

A method comprising:

maintaining a location information database comprising:
maintaining a mapping between service point locations and ports of a network access multiplexer, each service point location having network access provided by a physical link connected to a respective port of the network access multiplexer;
assigning an IP address to end-user equipment connected to a port of the network access multiplexor;
providing the assigned IP address to the end-user equipment over the physical link;
determining the service point location associated with the port connected to the end-user equipment using the mapping between service point locations and ports;
and
storing the assigned IP address in association with the determined service point location;
and
processing a network address of end-user equipment connected to a network and used in an attempt to make an online transaction in support of validating an online transaction comprising:
obtaining by a computer apparatus the network address of the end-user equipment connected to the network and used in the attempt to make the online transaction;
consulting, by the computer apparatus the location information database to obtain a service point location that is associated with the network address;
obtaining by the computer apparatus at least one authorized transaction point location, the at least one authorized transaction point location being associated with transaction object information provided via the end-user equipment;
comparing by the computer apparatus the service point location to the at least one authorized transaction point location;
and
at the computer apparatus performing an action related to validation of the online transaction based on a result of said comparing.

12 more elements

An apparatus comprising:

an interface for receiving messages;
and
a processing unit coupled to said interface, said processing unit being responsive to receipt of a message at said interface for:
maintaining a location information database by:
maintaining a mapping between service point locations and ports of a network access multiplexer, each service point location having network access provided by a physical link connected to a respective port of the network access multiplexer;
assigning an IP address to end-user equipment connected to a port of the network access multiplexor;
providing the assigned IP address to the end-user equipment over the physical link;
determining the service point location associated with the port connected to the end-user equipment using the mapping between service point locations and ports;
and
storing the assigned IP address in association with the determined service point location;
and
processing a network address of end-user equipment connected to a network and used in an attempt to make an online transaction in support of validating an online transaction comprising:
obtaining the network address of the end-user equipment used in the attempt to make the online transaction;
consulting the location information database to obtain a service point location that is associated with the network address;
obtaining at least one authorized transaction point location, the at least one authorized transaction point location being associated with transaction object information provided via the end-user equipment;
comparing the service point location to the at least one authorized transaction point location;
and
performing an action related to validation of the online transaction based on a result of said comparing.

15 more elements

A method comprising:

maintaining a location information database by:
maintaining a mapping between service point locations and ports of a network access multiplexer, each service point location having network access provided by a physical link connected to a respective port of the network access multiplexer;
assigning an IP address to end-user equipment connected to a port of the network access multiplexor;
providing the assigned IP address to the end-user equipment over the physical link;
determining the service point location associated with the port connected to the end-user equipment using the mapping between service point locations and ports;
and
storing the assigned IP address in association with the determined service point location;
and
processing a network address of end-user equipment connected to a network and used in an attempt to make an online transaction in support of validating an online transaction comprising:
receiving at a computer apparatus a message conveying a network address;
at the computer apparatus, consulting the location information database to obtain the service point location that is associated with the network address;
and
at the computer apparatus, using the service point location to perform an action related to validation of an online transaction attempted to be made using end-user equipment to which the network address is assigned, wherein the message is a first message and further conveys at least one authorized transaction point location, and wherein using the service point location to perform an action comprises:
comparing the service point location to each of the at least one authorized transaction point location;
and
generating and transmitting a second message indicative of whether the service point location corresponds to one of the at least one authorized transaction point location.

13 more elements

An apparatus comprising:

an interface for receiving a message conveying a network address;
and
a processing unit coupled to said interface, said processing unit being operative for:
maintaining a location information database by:
maintaining a mapping between service point locations and ports of a network access multiplexer, each service point location having network access provided by a physical link connected to a respective port of the network access multiplexer;
assigning an IP address to end-user equipment connected to a port of the network access multiplexor;
providing the assigned IP address to the end-user equipment over the physical link;
determining the service point location associated with the port connected to the end-user equipment using the mapping between service point locations and ports;
and
storing the assigned IP address in association with the determined service point location;
and
processing a network address of end-user equipment connected to a network and used in an attempt to make an online transaction in support of validating an online transaction comprising:
consulting the location information database to obtain the service point location that is associated with the network address;
and
using the service point location to perform an action related to validation of an online transaction attempted to be made using end-user equipment to which the network address is assigned, wherein the message is a first message and further conveys at least one authorized transaction point location, and wherein using the service point location to perform an action comprises:
comparing the service point location to each of the at least one authorized transaction point location;
and
generating and transmitting a second message indicative of whether the service point location corresponds to one of the at least one authorized transaction point location.

15 more elements

A computer-readable storage medium storing computer-readable instructions for execution by a computer to implement a method comprising:

maintaining a location information database by:
maintaining a mapping between service point locations and ports of a network access multiplexer, each service point location having network access provided by a physical link connected to a respective port of the network access multiplexer;
assigning an IP address to end-user equipment connected to a port of the network access multiplexor;
providing the assigned IP address to the end-user equipment over the physical link;
determining the service point location associated with the port connected to the end-user equipment using the mapping between service point locations and ports;
and
storing the assigned IP address in association with the known determined service point location;
and
processing a network address of end-user equipment connected to a network and used in an attempt to make an online transaction in support of validating an online transaction comprising:
receiving a message conveying the network address;
consulting a database to obtain the service point location that is associated with the network address;
and
using the service point location to perform an action related to validation of an online transaction attempted to be made using end-user equipment to which the network address is assigned, wherein the message is a first message and further conveys at least one authorized transaction point location, and wherein using the service point location to perform an action comprises:
comparing the service point location to each of the at least one authorized transaction point location;
and
generating and transmitting a second message indicative of whether the service point location corresponds to one of the at least one authorized transaction point location.

13 more elements

A method comprising:

maintaining a location information database by:
maintaining a mapping between service point locations and ports of a network access multiplexer, each service point location having network access provided by a physical link connected to a respective port of the network access multiplexer;
assigning an IP address to end-user equipment connected to a port of the network access multiplexor;
providing the assigned IP address to the end-user equipment over the physical link;
determining the service point location associated with the port connected to the end-user equipment using the mapping between service point locations and ports;
and
storing the assigned IP address in association with the determined service point location;
and
processing a network address of end-user equipment connected to a network and used in an attempt to make an online transaction in support of validating an online transaction comprising:
receiving at a computer apparatus a message conveying:
the network address assigned to the end-user equipment used in the attempt to make the online transaction;
and
transaction object information provided via the end-user equipment;
at the computer apparatus, consulting the location information database to obtain the service point location associated with the network address;
at the computer apparatus, consulting a second database to obtain at least one authorized transaction point location associated with the transaction object information;
and
at the computer apparatus, verifying whether one of the at least one authorized transaction point location corresponds to the service point location.

14 more elements

An apparatus comprising:

an interface for receiving a message conveying;
a network address assigned to end-user equipment used in an attempt to make an online transaction;
and
transaction object information provided via the end-user equipment;
and
a processing unit coupled to said interface, said processing unit being operative for:
maintaining a location information database by:
maintaining a mapping between service point locations and ports of a network access multiplexer, each service point location having network access provided by a physical link connected to a respective port of the network access multiplexer;
assigning an IP address to end-user equipment connected to a port of the network access multiplexor;
providing the assigned IP address to the end-user equipment over the physical link;
determining the service point location associated with the port connected to the end-user equipment using the mapping between service point locations and ports;
and
storing the assigned IP address in association with the determined service point location;
and
processing a network address of end-user equipment connected to a network and used in an attempt to make an online transaction in support of validating an online transaction comprising:
consulting the location information database to obtain the service point location associated with the network address;
consulting a second database to obtain at least one authorized transaction point location associated with the transaction object information;
and
verifying whether one of the at least one authorized transaction point location corresponds to the service point location.

16 more elements

Dependencies are inferred from the claim text.

Facts

Application: 12/298,720Filed 27 Jun 2007 · us provisional application
Priority: 4 Jun 2007
Published: US 2010/0174649 A18 Jul 2010
Granted: 19 Nov 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification23 codes

G06F 16/9535
Querying, e.g. by the use of web search engines: search customisation based on user profiles and personalisation
G06F 16/24
Of structured data, e.g. relational data: querying
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Family

Application60/941,830Us provisional application · filed 4 Jun 2007
US 2010/0174649 A1Pre-grant publication · published 8 Jul 2010
US 10,482,081 B2This patent

From the US filing history. Foreign family members aren’t listed.

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