Location based fraud reduction system and method
OwnerBrian J. Niedermeyerinventor
Life of this patent
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Abstract
Likelihood of fraud is reduced by having at least one of an identifier of a location from where a request is submitted or information that can lead to identification of the location, submitted with or in addition to a request. Then, determination is made to whether to service the request, based at least in part on the location from where the request is submitted. In various embodiments, the location may be compared against predetermined permissible location(s) or a current user location. The request may be a request to charge an amount against an account, such as a credit card account, a request to access a physical resource, such as a VPN, or an informational resource, such as account information, or a request to access a secured area.
Claims25
A request processing method with reduced likelihood of fraud, comprising:
- a requestor submitting a request to a request processor, with at least a selected one of (a) a location identifier identifying a location from where the request is being submitted, and (b) information that can lead to identification of the location from where the request is being submitted, being submitted with or in addition to the request;
- and
- the request processor determining whether to service the request, based at least in part on the received identification of the location from where the request is initiated.
In a request processing system, a method of operation with reduced likelihood of fraud, comprising:
- receiving a request;
- receiving a selected one of an identification of a location from where the request is initiated and information that can lead to identification of the location from where the request is initiated;
- and
- determining whether to service the request based at least in part on the location from where the request is initiated.
A request processing system with reduced likelihood of fraud, comprising
- storage medium having stored therein a plurality of programming instructions designed to
- receive a request,
- receive a selected one of an identification of a location from where the request is initiated and information that can lead to identification of the location from where the request is initiated, and
- determine whether to service the request based at least in part on the location from where the request is initiated;
- and
- a processor couple to the storage medium to execute the plurality of programming instructions.
A payment device reader comprising
- means for reading a payment device;
- means for sensing a current location of the payment device reader;
- and
- means for sending information read of said payment device, and said current location sensed to a payment processing system.
Dependencies are inferred from the claim text.