US 2021/0201314 A1 · ONLINE TRANSACTION VERIFICATION BASED ON MERCHANT-INDEPENDENT USER GEOLOCATION

Abstract

In certain embodiments, an online transaction is verified based on merchant-independent user geolocation. A geolocation of a user associated with the online transaction is obtained from a mobile device of the user by a transaction verifying entity separate and independent from a merchant entity with which the online transaction is initiated. A server associated with the transaction verifying entity determines a proximity of the geolocation of the user to a delivery address for verifying the online transaction. The server generates a verification message including an approval message based on the proximity of the geolocation to the delivery address being within a specified threshold. The server generates a verification message including a rejection message based on the proximity of the geolocation to a delivery address exceeding the specified threshold. The server sends the verification message to another server associated with the merchant entity to carry out the online transaction accordingly.

Claims20

Dependent claims

A system for facilitating verification of an online transaction via merchant-independent user geolocation, the system comprising:

a transaction verification computer system associated with a transaction verifying entity, the transaction verification computer system comprising one or more processors programmed with computer program instructions that, when executed, cause the transaction verification computer system to:
receive, from a merchant computer system, a verification request associated with a user for an online transaction initiated via a merchant application on a client device of the user;
in response to the verification request, periodically obtain a plurality of geolocations of the user from a mobile application on a mobile device of the user, the mobile application being different from the merchant application, the mobile device being different from the client device via which the online transaction is initiated;
generate a verification message related to the online transaction based on proximity of a most recent geolocation of the plurality of geolocations to a delivery address associated with the online transaction;
and
provide the verification message to the merchant computer system.

3 more elements

A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause operations to be implemented on a transaction verification computer system, the operations comprising:

obtaining a geolocation of a user associated with an online transaction from a user application of the user, wherein the user application is different from a merchant application from which the online transaction is initiated;
determining a proximity of the geolocation or an address of the user associated with the transaction verification computer system to a delivery address associated with the online transaction;
and
generating, for a merchant computer system, a verification message related to the online transaction based on the proximity of the geolocation to the delivery address.

1 more element

Dependencies are inferred from the claim text.

Online transaction verification based on merchant-independent user geolocation

Life of this patent

Online transaction verification based on merchant-independent user geolocation

Life of this patent

Abstract

Claims20