GPS validation for transactions
AssigneeUnited Services Automobile Association (USAA)
InventorSteven Dale Zettner
Life of this patent
Estimating the term…
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.
Claims20
A method comprising:
- receiving transaction details of a transaction, the transaction initiated by a retail location;
- in response to one or more transaction details meeting one or more predetermined transaction verification criteria:
- obtaining a location of a device associated with a user at a time of the transaction;
- and
- verifying, using a processor associated with a location determination module at the retail location, that the location of the device meets predetermined location criteria, wherein verifying that the location of the device meets predetermined location criteria includes determining whether a time associated with the location of the device is within a predetermined time period of the time of the transaction.
One or more non-transitory computer-readable media storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations comprising:
- receiving transaction details of a transaction, the transaction initiated by a retail location;
- in response to one or more transaction details meeting one or more predetermined transaction verification criteria:
- obtaining a location of a device associated with a user at a time of the transaction;
- and
- verifying, using a processor associated with a location determination module at the retail location, that the location of the device meets predetermined location criteria, wherein verifying that the location of the device meets predetermined location criteria includes determining whether a time associated with the location of the device is within a predetermined time period of the time of the transaction.
A system comprising:
- at least one processor;
- and
- a memory communicatively coupled to the at least one processor, the memory storing instructions which, when executed by the at least one processor, cause the at least one processor to perform operations comprising:
- receiving transaction details of a transaction, the transaction initiated by a retail location;
- in response to one or more transaction details meeting one or more predetermined transaction verification criteria:
- obtaining a location of a device associated with a user at a time of the transaction;
- and
- verifying, using a processor associated with a location determination module at the retail location, that the location of the device meets predetermined location criteria, wherein verifying that the location of the device meets predetermined location criteria includes determining whether a time associated with the location of the device is within a predetermined time period of the time of the transaction.
Dependencies are inferred from the claim text.