Apparatus and method for validation and authorization of device and user by global positioning and non-prompted exchange of information
OwnerLuiz M Franca-Neto, Marta A G da Francainventors
Life of this patent
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Abstract
An authorization and validation system and method for mobile financial transactions uses (1) historic Global Positioning System (GPS) and time at specific locations and (2) both visible and invisible prompts to allow access to assets and performance of financial transactions. Said system and method also determines when the mobile device, tablet or smart phone, is lost or is operated by an impersonator. Special attention is devoted when said system is engaged in determining whether the user is under threat or not.
Claims14
A mobile assistance system comprising a smartphone or a handheld device, hereforth referred to as mobile device, where
- said mobile device is equipped with means to determine its geographical location, where by accumulating historical data on its geographical location for a period, said mobile device constructs a list of geographical positions or geographical regions its user is likely to be found at specific times of a day, a week, a month or a year;
- where
- said list of geographical positions or geographical regions and time thus developed represents an identifying trajectory pattern for the user, hence considered the user's signature;
- and
- the mobile device assigns probabilities for said user to be in a safe state as a function of how much the user's recent and current geographical trajectory of locations and times depart from said user's signature, said mobile device further being itself part of a financial or a banking system, where upon determination of user to be a fraudulent impersonator or determination of user to be unsafe or threatened by said mobile device, said financial or banking system limits access to requested media or asset, and said financial or banking system dispenses marked or tainted notes when cash is requested by said impersonator of user or threatened or unsafe user.
A validation and authorization method comprising:
- using a smartphone or a handheld device, hereforth referred to as mobile device, where said mobile device is equipped with means to determine its geographical location;
- accumulating said mobile device historical data on its geographical location for a period;
- constructing a list of geographical positions or geographical regions its user is likely to be found at specific times of a day, a week, a month or a year;
- where said list of geographical positions or geographical regions and time thus developed represent an identifying trajectory pattern for the user, hence considered the user's signature;
- the mobile device assigning probabilities for said user to be in a safe state as a function of how much the user's recent and current geographical trajectory of locations and times depart from said user's signature, said validation and authorization method further comprising:
- using a financial or a banking system to access media, asset and cash where said mobile device is a part;
- limiting access to said media and asset if user of said smartphone is determined to be an impersonator or to be under unsafe or threatened condition;
- dispensing specially marked or tainted cash when cash is requested upon said determination the user to be an impersonator or to be under unsafe or threatened condition.
Dependencies are inferred from the claim text.