# US 2019/0172044 A1 · Transaction verification based on a transaction identifier and associated location data > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0172044 A1 - Document ID: US20190172044A1 - Status: Published application - Kind: A1 - Application number: 15/831,067 - Filed: 2017-12-04 - Published: 2019-06-06 - Earliest claimed: 2017-12-04 - Assignees: Mastercard International Incorporated - Applicants: MasterCard International Incorporated - Inventors: John Alan Wilson; Dorene Ervans Stuart; Derrick Michael Braga - Web page: https://patentgrep.com/patent/US20190172044A1 ## CPC - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/3226: {Use of secure elements separate from M-devices} - G06Q 20/385: {using an alias or single-use codes} - G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction} - G06Q 20/4014: {Identity check for transactions} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract The disclosure facilitates a transaction by verifying a transaction claim request. An initiation request, including sender location data indicating a sender location, is received from a sender. A first transaction identifier associated with the transaction and the sender location data are recorded in a data structure. A claim request is received from a candidate recipient, the claim request including a second transaction identifier and recipient location data indicating a recipient location. The first and second transaction identifier are compared. The sender location and recipient location are compared based on a defined range. Based on the first and second transaction identifiers matching and the recipient location being within the defined range of the sender location, the claim request is verified, providing confirmation that the recipient is an intended recipient. Verifying transactions based on identifiers and location data enhances transaction security while preserving the privacy of parties' personal information. ## Claims ### Claim 1 A system for facilitating a transaction comprising: at least one processor; and at least one memory comprising computer program code, the at least one memory and the computer program code configured to, with the at least one processor, cause the at least one processor to: receive an initiation request associated with a transaction from a sender, the initiation request including sender location data indicating a sender location; record a first transaction identifier associated with the transaction and the sender location data in a data structure; cause the first transaction identifier to be sent to the sender; receive a claim request associated with the transaction from a candidate recipient, the request including a second transaction identifier and recipient location data indicating a candidate recipient location; compare the first transaction identifier and the second transaction identifier; compare the sender location and the candidate recipient location based on a defined range; and based on the first and second transaction identifiers matching and the candidate recipient location being within the defined range of the sender location, provide a verification of the claim request confirming the candidate recipient is an intended recipient. ### Claim 2 (depends on 1) The system of claim 1, wherein the sender location data includes global positioning system (GPS) data indicating the sender location as a GPS location and the defined range includes a distance from the GPS location. ### Claim 3 (depends on 1) The system of claim 1, wherein the sender location data includes a sender zip code and the defined range includes at least one of the sender zip code or adjacent zip codes to the sender zip code. ### Claim 4 (depends on 1) The system of claim 1, wherein the at least one memory and the computer program code are configured to, with the at least one processor, further cause the at least one processor to generate the first transaction identifier in response to the initiation request. ### Claim 5 (depends on 1) The system of claim 1, wherein the initiation request further includes a transaction amount and the defined range is based on the transaction amount. ### Claim 6 (depends on 5) The system of claim 5, wherein when the transaction amount is less than a transaction threshold, the defined range is a first range; and when the transaction amount is greater than the transaction threshold, the defined range is a second range, the first range exceeding the second range. ### Claim 7 (depends on 1) The system of claim 1, wherein the initiation request further includes security level data and the defined range is based on the security level data. ### Claim 8 (depends on 1) The system of claim 1, wherein providing the verification of the claim request is further based on receiving the claim request within a defined time range relative to receiving the initiation request. ### Claim 9 (depends on 1) The system of claim 1, wherein the initiation request is received via a first application programming interface (API) and the claim request is received via a second API. ### Claim 10 A computerized method for facilitating a transaction, the method comprising: receiving an initiation request associated with a transaction from a sender, the initiation request including sender location data indicating a sender location; recording a first transaction identifier associated with the transaction and sender location data in a data structure; receiving a claim request associated with the transaction from a candidate recipient, the claim request including a second transaction identifier and recipient location data indicating a candidate recipient location; comparing the first transaction identifier and the second transaction identifier; comparing the sender location and the candidate recipient location based on a defined range; and based on the first and second transaction identifiers matching and the candidate recipient location being within the defined range of the sender location, providing a verification of the claim request confirming the candidate recipient is an intended recipient. ### Claim 11 (depends on 10) The computerized method of claim 10, wherein the sender location data includes global positioning system (GPS) data indicating the sender location as a GPS location and the defined range includes a distance from the GPS location. ### Claim 12 (depends on 10) The computerized method of claim 10, wherein the sender location data includes a sender zip code and the defined range includes at least one of the sender zip code or adjacent zip codes to the sender zip code. ### Claim 13 (depends on 10) The computerized method of claim 10, further comprising generating the first transaction identifier in response to the initiation request. ### Claim 14 (depends on 10) The computerized method of claim 10, wherein the initiation request further includes the first transaction identifier. ### Claim 15 (depends on 10) The computerized method of claim 10, wherein the initiation request further includes a transaction amount and the defined range is based on the transaction amount. ### Claim 16 (depends on 15) The computerized method of claim 15, wherein when the transaction amount is less than a transaction threshold, the defined range is a first range; and when the transaction amount is greater than the transaction threshold, the defined range is a second range, the first range exceeding the second range. ### Claim 17 (depends on 10) The computerized method of claim 10, wherein the initiation request further includes security level data and the defined range is based on the security level data. ### Claim 18 (depends on 10) The computerized method of claim 10, wherein providing the verification of the claim request is further based on receiving the claim request within a defined time range relative to receiving the initiation request. ### Claim 19 One or more computer storage media having computer-executable instructions for facilitating a transaction that, upon execution by a processor, cause the processor to at least: receive an initiation request associated with a transaction from a sender, the initiation request including sender location data indicating a sender location; record a first transaction identifier associated with the transaction and the sender location data in a data structure; receive a claim request associated with the transaction from a candidate recipient, the request including a second transaction identifier and recipient location data indicating a candidate recipient location; compare the first transaction identifier and the second transaction identifier; compare the sender location and the candidate recipient location based on a defined range; and based on the first and second transaction identifiers matching and the candidate recipient location being within the defined range of the sender location, provide a verification of the claim request confirming the candidate recipient is an intended recipient. ### Claim 20 (depends on 19) The one or more computer storage media of claim 19, wherein the sender location data includes global positioning system (GPS) data indicating the sender location as a GPS location and the defined range includes a distance from the GPS location.