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US 12,003,959 B2Granted
System and method for correlating diverse location data for data security
AssigneeVisa International Service Association
InventorsEden Smith, Mary Reeder, Joseph Bureau, Frederick Liu
Life of this patent
Estimating the term…
Abstract
A method for authentication using location correlation is disclosed. The method includes determining geographic zones and zone identifiers associated with a location of a mobile communication device. Later, transaction data is received and a zone identifier is determined from that transaction data. If the zone identifier matches one of the previously determined zone identifiers, then a match indicator is sent to an authorizing entity computer system or the transaction may be allowed to proceed.
Claims20
A method comprising:
- a) determining, by a computer, a geographic location of a mobile communication device;
- b) determining, by the computer, a boundary associated with the mobile communication device using the geographic location of the mobile communication device;
- c) determining, by the computer, a plurality of pre-defined geographic zones overlapping or within the boundary associated with the mobile communication device, the plurality of pre-defined geographic zones are respectively associated with a plurality of postal codes;
- d) receiving, by the computer, transaction data for a transaction from an access device, and determining a postal code associated with the access device;
- e) determining, by the computer, that the postal code associated with the access device matches one of the postal codes in the plurality of postal codes overlapping or within the boundary associated with the mobile communication device;
- and
- f) in response to step e), providing a match indicator to an authorizing entity computer or authorizing the transaction to proceed.
4 more elements
A computer comprising:
- a processor;
- and
- a non-transitory computer readable medium, the non-transitory computer readable medium comprising code, executable by the processor, for implementing a method comprising:
- a) determining a geographic location of a mobile communication device;
- b) determining a boundary associated with the mobile communication device using the geographic location;
- c) determining, by the computer, a plurality of pre-defined geographic zones overlapping or within the boundary associated with the mobile communication device, the plurality of pre-defined geographic zones are respectively associated with a plurality of postal codes;
- d) receiving transaction data for a transaction from an access device and determining a postal code associated with the access device;
- e) determining that the postal code associated with the access device matches one of the postal codes in the plurality of postal codes overlapping or within the boundary associated with the mobile communication device;
- and
- f) in response to step e), providing a match indicator to an authorizing entity computer system or authorizing the transaction.
7 more elements
A method comprising:
- transmitting, by a mobile communication device operated by a user, data representing a geographic location of the mobile communication device to a computer, the computer determining a boundary associated with the mobile communication device using the geographic location, and determining a plurality of pre-defined geographic zones overlapping or within the boundary associated with the mobile communication device, the plurality of pre-defined geographic zones respectively associated with a plurality of postal codes;
- and
- interacting, a portable user device, with an access device in a transaction, wherein the access device generates and transmits an authorization request message comprising transaction data to the computer, the computer determining a postal code associated with the access device, and wherein the computer determines that the postal code associated with the access device matches one of the plurality of postal codes in the plurality of postal codes overlapping or within the boundary associated with the mobile communication device, and provides a match indicator to an authorization system, or authorizes the transaction to proceed.
Dependencies are inferred from the claim text.