US 2022/0067699 A1 · SYSTEMS AND METHODS FOR USE IN AUTHENTICATING USERS BASED ON LOCATION

Abstract

Systems and methods for verifying users in connection with transactions using payment card devices are disclosed. One exemplary payment card device generally includes a card body, a modem, and a processor disposed on the card body and coupled to the modem. The processor, then, is configured to determine a location of the payment card device, via at least the modem, based on multiple signals from multiple towers (and/or routers) associated with a telecommunication network, and transmit, by the modem, via one of the multiple towers and/or routers, location data indicative of the determined location to at least one of an issuer of the payment account and/or a payment network associated with the payment account.

Claims18

Dependent claims

A payment card device associated with a payment account, the payment card device comprising:

a card body defining a length dimension between about 15 mm and about 150 mm, a width dimension between about 15 mm and about 150 mm, and a thickness dimension between about 0.1 mm and about 1 mm;
a modem disposed on the card body;
and
a processor disposed on the card body and coupled to the modem, wherein the processor is configured to:
determine a location of the payment card device, via at least the modem, based on multiple signals associated with a telecommunication network;
and
transmit, by the modem, location data indicative of the determined location to an entity associated with the payment account.

4 more elements

A system for authenticating a user in connection with a network transaction by the user, the system comprising an issuer computing device coupled to a payment network, the issuer computing device configured to:

receive, from a payment card device associated with a user, via a modem of the payment card device, location data for the payment card device;
store the location data in a data structure in association with a primary account number (PAN) for a payment account associated with the payment card device and/or a device identifier for the payment card device;
receive, via the payment network, an authorization request for a network transaction including the PAN and/or involving the payment account associated with the payment card device;
determine, based on the authorization request for the network transaction, that biometric authentication of the user was not completed for the network transaction;
retrieve the location data for the payment card device stored in the data structure based on the PAN for the payment account associated with the payment card device and/or the device identifier for the payment card device;
compare the retrieved location data for the payment card device to location data included in the authorization request;
and
generate a response to the authorization request based at least on the comparison.

5 more elements

Dependencies are inferred from the claim text.

Systems and methods for use in authenticating users based on location

Life of this patent

Systems and methods for use in authenticating users based on location

Life of this patent

Abstract

Claims18