# US 9,519,903 B2 · Method and apparatus for proactive notifications based on the location of a user > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 9,519,903 B2 - Document ID: US9519903B2 - Status: Granted - Kind: B2 - Application number: 13/973,776 - Filed: 2013-08-22 - Published: 2014-03-06 - Granted: 2016-12-13 - Earliest claimed: 2012-08-29 - Assignees: 24/7 Customer, Inc. - Applicants: 24/7 Customer, Inc. - Inventors: Pallipuram V. Kannan; A. Kranthi Mitra; Santhosh Kumar Arjunan - Web page: https://patentgrep.com/patent/US9519903B2 ## CPC - G06Q 20/40145: {Biometric identity checks} - H04W 4/20: Services signaling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel - G01C 21/3415: {Dynamic re-routing, e.g. recalculating the route when the user deviates from calculated route or after detecting real-time traffic data or accidents} - G01C 21/3691: {Retrieval, searching and output of information related to real-time traffic, weather, or environmental conditions (arrangements for giving variable traffic instructions G08G1/09)} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 30/0261: {based on user location} - H04L 67/52: specially adapted for the location of the user terminal - H04L 67/53: using third party service providers - H04W 4/02: Services making use of location information - H04W 4/027: {using movement velocity, acceleration information} - G06F 21/554: {involving event detection and direct action} - H04L 2463/102: applying security measure for e-commerce - 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) - G01C: MEASURING DISTANCES, LEVELS OR BEARINGS; SURVEYING; NAVIGATION; GYROSCOPIC INSTRUMENTS; PHOTOGRAMMETRY OR VIDEOGRAMMETRY (measuring liquid level G01F; radio navigation, determining distance or velocity by use of propagation effects, e.g. Doppler effects, propagation time, of radio waves, analogous arrangements using other waves G01S) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract The location of a user is obtained and, based on the location of the user and services available to, or requested by the user, a notification handler sends appropriate notifications to the user. ## Claims ### Claim 1 A computer implemented method for effecting an autonomous, location-based action vis a vis an individual, comprising: detecting, by a computing system, an individual's location with a device associated with said individual and without any interaction on the part of said individual with said device at a time of performing said detecting; and when said individual's location is determined to be coincident with or proximate to a location for which an action is to be triggered upon detection of said individual being coincident with or proximate to said location, causing the computing system to automatically take at least one action and one further action relative to said individual via said device; wherein said action comprises automatically modifying said device settings in a manner predetermined by said individual when the location of said individual is determined to be outside of an operation range of said individual's home network; wherein said further action comprises any of: retrieving a credit limit of the said individual that is set by the individual for the location; determining that the credit limit is exceeded at a transaction location, and the location of said device is coincident with said transaction location; sending a notification requesting approval for an increase in said credit limit to the device; receiving a response to the notification from the device, the response including an approval or a rejection for the increase in said credit limit; and adjusting, based on the response, any of said individual's credit and device settings as required by local law or practice upon detecting travel by said individual to a different region or country. ### Claim 2 (depends on 1) The method of claim 1, further comprising: based on a current location of said individual, said action comprising at least sending at least one notification to said individual, which notification is received at said device. ### Claim 3 (depends on 1) The method of claim 1, further comprising: providing a communication network for exchanging location information and actions between said device and a notification handler. ### Claim 4 (depends on 3) The method of claim 3, wherein said communication network comprises a cellular-based communication network. ### Claim 5 (depends on 1) The method of claim 1 wherein said device comprises any of a mobile phone, a handheld device, a tablet, and a computer. ### Claim 6 (depends on 1) The method of claim 1, further comprising: detecting said individual's location using any of a global positioning system (GPS) and a triangulation system. ### Claim 7 (depends on 1) The method of claim 1, further comprising: providing a notification handler for setting and automatically providing at least one notification to said individual. ### Claim 8 (depends on 7) The method of claim 7, further comprising: an external authority sending instructions to said notification handler; responsive thereto, said notification handler sending at least one notification to said individual when said individual's location coincides with, or is proximate to, a location that is relevant to said instructions. ### Claim 9 (depends on 8) The method of claim 8, wherein said external authority comprises any of a government agency and a police organization. ### Claim 10 (depends on 8) The method of claim 8, wherein said instructions comprise public service notifications. ### Claim 11 (depends on 7) The method of claim 7, further comprising: said notification handler determining that a current location of said individual is along a route that is currently subject a traffic block; and said notification handler sending a notification to said individual warning of said traffic block and, optionally, advising said individual with regard to an alternate route. ### Claim 12 (depends on 1) The method of claim 1, further comprising: providing a user interface associated with said device, said user interface providing a facility with which said individual sets at least one action and at least one trigger for said action. ### Claim 13 (depends on 1) The method of claim 1, further comprising: said action comprising sending an alert to said individual when the location of a financial transaction related to said individual is performed at a location that does not coincide with a current location of said individual. ### Claim 14 (depends on 1) The method of claim 1, further comprising: determining a present status of travel of said individual based upon a current location of said individual relative to one or more time limited travel arrangements made by said individual; and said action comprising automatically sending at least one notification to said individual when it is determined that said individual may miss one or more time limited travel arrangements. ### Claim 15 (depends on 7) The method of claim 7, further comprising: configuring said notification handler to provide a control engine, a monitoring module, a user interface, a communication interface, and a database; said monitoring module obtaining the location of said individual from said device via said communication interface and informing said control engine of a current location of said individual; said control engine checking for notifications that are to be sent to said individual based on the current location of said individual and notification settings, as set by any of said individual and any other agency with said user interface, said control engine accessing said notification settings from said database and sending at least one notification to said individual via said communication interface. ### Claim 16 (depends on 1) The method of claim 1, further comprising: providing a user interface for setting said at least one action, a format for said at least one action, and conditions for taking said at least one action. ### Claim 17 (depends on 7) The method of claim 7, further comprising: implementing said notification handler in an application that is present in said device; said individual using said application for configuring notifications and associated settings; and said application automatically informing said individual of said notifications, depending upon any of a configuration set by said individual and conditions detected by said application relative to said individual's location. ### Claim 18 (depends on 1) The method of claim 1, further comprising: said action comprising implementing any of a fraud alert, a fraud prevention method, and a fraud resolution method based upon said individual's location. ### Claim 19 (depends on 18) The method of claim 18, further comprising: said action comprising requesting and capturing biometric data from said individual; and combining information concerning said individual's current location with said biometric data to authenticate a transaction. ### Claim 20 (depends on 1) The method of claim 1, further comprising: determining when said individual's location, based upon said device location, is coincident with a detected transaction location; and said action comprising triggering any of a notification, alert, and SMS request for further authentication of said individual. ### Claim 21 (depends on 1) The method of claim 1, further comprising: determining when said individual's location, based upon said device location, is coincident with a detected transaction location; and said action comprising triggering any of an alert and notification when a plurality of transactions are clustered in real time based on location if the density of said transactions exceeds a predetermined threshold for said individual's determined location. ### Claim 22 (depends on 1) The method of claim 1, further comprising: said action comprising automatically providing any of notifications, alerts, and SMS messages to said individual to assist said individual in changing said device settings as required by local law or practice. ### Claim 23 (depends on 1) The method of claim 1, further comprising: said action comprising automatically synchronizing current status of said individual's travel with said individual's existing reservations. ### Claim 24 (depends on 1) The method of claim 1, further comprising: said action comprising enhancing any of outbound calls, notifications, and alerts based on a combination of said individual's location, movement, and time information. ### Claim 25 An apparatus for effecting an autonomous, location-based action vis a vis an individual, comprising: a processor configured for detecting an individual's location with a device associated with said individual and without any interaction on the part of said individual with said device at a time of performing said detecting; said processor configured for determining said individual's location to be coincident with or proximate to a location for which an action is to be triggered upon detection of said individual being coincident with or proximate to said location; and said processor configured for automatically taking at least one action and one further action relative to said individual via said device; wherein said action comprises automatically modifying said device settings in a manner predetermined by said individual when the location of said individual is determined to be outside of an operating range of said individual's home network; wherein said further action comprises any of: retrieving a credit limit of the said individual that is set by the individual for the location; determining that the credit limit is exceeded at a transaction location, and the location of said device is coincident with said transaction location; sending a notification requesting approval for an increase in said credit limit to the device; receiving a response to the notification from the device, the response including an approval or a rejection for the increase in said credit limit; and adjusting, based on the response, any of said individual's credit and device settings as required by local law or practice upon detecting travel by said individual to a different region or country. ### Claim 26 (depends on 25) The apparatus of claim 25, said processor comprising: a notification handler comprising a control engine, a monitoring module, a user interface, a communication interface, and a database; said monitoring module configured for obtaining the location of said individual from said device via said communication interface and for informing said control engine of a current location of said individual; said control engine configured for checking for notifications that are to be sent to said individual based on the current location of said individual and notification settings, as set by any of said individual and any other agency with said user interface; said control engine configured for accessing said notification settings from said database; and said control engine configured for sending at least one notification to said individual via said communication interface. ### Claim 27 An apparatus for effecting an autonomous, location-based action vis a vis an individual, comprising: a processor configured for detecting an individual's location with a device associated with said individual and without any interaction on the part of said individual with said device at a time of performing said detecting; said processor configured for determining said individual's location to be coincident with or proximate to a location for which an action is to be triggered upon detection of said individual being coincident with or proximate to said location; said processor configured for automatically taking at least one action and one further action relative to said individual via said device; wherein said action comprises automatically modifying said device settings in a manner predetermined by said individual when the location of said individual is determined to be outside of an operating range of said individual's home network; wherein said further action comprises any of: retrieving a credit limit of the said individual that is set by the individual for the location; determining that the credit limit is exceeded at a transaction location, and the location of said device is coincident with said transaction location; sending a notification requesting approval for an increase in said credit limit to the device; receiving a response to the notification from the device, the response including an approval or a rejection for the increase in said credit limit; and adjusting any of said individual's credit and device settings as required by local law or practice upon detecting travel by said individual to a different region or country. ### Claim 28 (depends on 27) The apparatus of claim 27, wherein said action comprises requesting and capturing biometric data from said individual; and combining information concerning said individual's current location with said biometric data to authenticate a transaction. ### Claim 29 (depends on 27) The apparatus of claim 27, wherein said action comprises triggering any of a notification, alert, and SMS request for further authentication of said individual when said individual's location, based upon said device location, is coincident with a detected transaction location. ### Claim 30 (depends on 27) The apparatus of claim 27, wherein said action comprises triggering any of an alert and notification when a plurality of transactions are clustered in real time based on location if the density of said transactions exceeds a predetermined threshold for said individual's determined location when said individual's location, based upon said device location, is coincident with a detected transaction location. ### Claim 31 (depends on 27) The apparatus of claim 27, wherein said action further comprises any of: a fraud alert, a fraud prevention method, and a fraud resolution method based upon said individual's location.