# US 9,438,576 B2 · Apparatus and method for validation and authorization of device and user by global positioning and non-prompted exchange of information

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 9,438,576 B2
- Document ID: US9438576B2
- Status: Granted
- Kind: B2
- Application number: 13/915,627
- Filed: 2013-06-12
- Published: 2014-12-18
- Granted: 2016-09-06
- Earliest claimed: 2013-06-12
- Applicants: Luiz M Franca-Neto; Marta A G da Franca
- Inventors: Luiz M Franca-Neto; Marta A G da Franca
- Web page: https://patentgrep.com/patent/US9438576B2

## CPC

- H04L 63/08: {for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32)}
- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- H04W 12/12: Detection or prevention of fraud
- H04L 63/083: {using passwords (cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226)}
- H04L 63/107: {wherein the security policies are location-dependent, e.g. entities privileges depend on current location or allowing specific operations only from locally connected terminals}
- H04L 63/1425: {Traffic logging, e.g. anomaly detection}
- H04L 2463/102: applying security measure for e-commerce
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- 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
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## 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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The mobile assistance system of claim 1, where the mobile device detects when its user's geographical and time trajectory departures from the user's signature is larger than a threshold and launches in-promptu communications with said user in consequence.

### Claim 3 (depends on 2)

The mobile assistance system of claim 2, where in-promptu communications between the mobile and said user include questions from the mobile device to determine its user identity and whether said user is in a safe environment; where said questions uses geographical information collected in said list to determine user identity and include questions related to locations with which the mobile device learned the user is familiar, or relates to habits of the user the mobile device learned; where answers from said user on his habits carry information on said user's safety state.

### Claim 4 (depends on 2)

The mobile assistance system of claim 2, where mobile device has a touchscreen, has means to determine its orientation and has inputs related to volume control, where questions from the mobile device are responded by the user with actions which are noticeable, as passwords inputs, or voice responses for instance, and with actions by the user which are not noticeable, as changes in mobile device orientation, or touches at unmarked parts of the touchscreen by the user, or changes in volume control; where responses by said user by means of said non noticeable actions carry information on said user's safety state.

### Claim 5 (depends on 4)

The mobile assistance system of claim 4, where non-noticeable inputs are analyzed by either the presence or absence of said inputs on the touch screen, as by said user pressing or not pressing a blank portion of the touchscreen, or an area of the touchscreen with no icon or button, or by said user changing the orientation of the touchscreen; said non noticeable inputs used to determine whether the user is under unsafe circumstances.

### Claim 6 (depends on 1)

The mobile assistance system of claim 1, where communication between mobile device and user is launched at the time the user requests access to a bank account, media or asset; where communications between the mobile and said user include questions from the mobile device to determine its user identity and whether said user is in a safe environment; where said questions uses geographical information collected in said list to determine user identity and include questions related to locations with which the mobile device learned the user is familiar, or relates to habits of the user the mobile device learned; where answers from said user on his habits carry information on said user's safety state.

### Claim 7 (depends on 6)

The mobile assistance system of claim 6, where mobile device has a touchscreen, has means to determine its orientation and has inputs related to volume control, where questions from the mobile device are responded by the user with actions which are noticeable, as passwords inputs, or voice responses for instance, and with actions by the user which are not noticeable, as changes in mobile device orientation, or touches at unmarked parts of the touchscreen by the user, or changes in volume control; where responses by said user by means of said non noticeable actions carry information on said user's safety state.

### Claim 8 (depends on 7)

The mobile assistance system of claim 7, where non noticeable inputs are analyzed by either the presence or absence of said inputs on the touch screen, as by said user pressing or not pressing a blank portion of the touchscreen, or an area of the touchscreen with no icon or button, or by said user changing the orientation of the touchscreen; said non noticeable inputs used to determine whether the user is under unsafe circumstances.

### Claim 9 (depends on 8)

The mobile assistance system of claim 8, where information on the unsafe status of the user is communicated to the proper Police authorities.

### Claim 10

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.

### Claim 11 (depends on 10)

The validation and authorization method of claim 10 further comprising: detecting when geographical and time trajectory of said user of said mobile device departures from the user's signature more than a threshold and launching in-promptu communications with said user in consequence.

### Claim 12 (depends on 11)

The validation and authorization method of claim 11 further comprising: including questions from the mobile device to determine its user identity and whether said user is in a safe environment; where said questions uses geographical information collected in said list to determine user identity and include questions related to locations with which the mobile device learned the user is familiar, or relates to habits of the user the mobile device learned; where answers from said user on his habits carry information on said user's safety state.

### Claim 13 (depends on 11)

The validation and authorization method of claim 11 further comprising: using noticeable user actions to prompted questions as passwords input or voice responses, and non noticeable user actions in response to questions as changing mobile device orientation or touching unmarked parts of the touchscreen, or changes in volume control, where those responses carry information on said user's safety state.

### Claim 14 (depends on 13)

The validation and authorization method of claim 13 further comprising: analyzing non noticeable inputs by either the presence or absence of inputs on the touch screen, as by said user pressing or not pressing a blank portion of the touchscreen, or an area of the touchscreen with no icon or button, or by said user changing the orientation of the touchscreen to determine whether the user is under unsafe circumstances.