Systems and methods for leveraging micro-location devices for improved travel awareness

Patent metadata

Field	Value
Publication number	US-10492163-B2
Application number	US-201514816300-A
Country	US
Kind code	B2
Filing date	Aug 3, 2015
Priority date	Aug 3, 2015
Publication date	Nov 26, 2019
Grant date	Nov 26, 2019

Abstract

Systems and methods for leveraging micro-location devices for improved travel awareness are disclosed. In one embodiment, a system for performing a location-based action in a network of micro-location devices may include a plurality of micro-location devices, each micro-location devices associated with a unique identifier and a location, each of the plurality of micro-location devices transmitting a signal comprising its associated unique identifier; a backend in communication with a database, the database storing the unique identifier and location associated with each of the micro-location devices; and a mobile device that receives a signal comprising a unique identifier from one of the plurality of micro-location devices and communicates the unique identifier to the backend. The backend may determine a mobile device location based on the unique identifier received from the mobile device and may perform an action based on the mobile device location.

First claim

What is claimed is:

1. A system for performing a location-based action in a network of micro-location devices, comprising:
a plurality of micro-location devices, each micro-location devices associated with a unique identifier and a location, each of the plurality of micro-location devices transmitting a signal comprising its associated unique identifier;
a backend in communication with a database, the database storing the unique identifier and location associated with each of the micro-location devices;
a mobile electronic device that receives a signal comprising a unique identifier from one of the plurality of micro-location devices and communicates the unique identifier to the backend; and
a credit card or debit card associated with a transaction account;
wherein the backend determines a mobile electronic device location based on the unique identifier received from the mobile electronic device;
wherein the backend updates a stored mobile electronic device location with the determined mobile electronic device location for the transaction account associated with the mobile electronic device; and
wherein the updated stored mobile electronic device location is used to authorize a pending transaction involving the credit card or debit card by comparing the updated stored mobile electronic device location to a location for the pending transaction.

2. The system of claim 1 , wherein the signal is a Bluetooth low energy signal.

3. The system of claim 1 , wherein at least one of the plurality of micro-location devices is part of a tablet computer.

4. The system of claim 1 , wherein at least one of the plurality of micro-location devices is part of an automated teller machine.

5. The system of claim 1 , wherein the backend further determines the mobile electronic device location based on a strength of the signal received by the mobile electronic device.

6. The system of claim 1 , further comprising:
a rules engine that applies business rules to determine an offer or information to push to the mobile electronic device based on the mobile electronic device location.

7. The system of claim 1 , wherein the pending transaction is permitted when the location for the transaction is within a threshold of the stored mobile electronic device location.

8. The system of claim 1 , wherein the pending transaction is prohibited when the location for the transaction is outside a threshold of the stored mobile electronic device location.

9. A method for performing a location-based action in a network comprising a plurality of micro-location devices, each micro-location device broadcasting a signal comprising a unique identifier, comprising:
a backend comprising at least one computer processor receiving a unique identifier that is associated with and broadcast as a signal by one of a plurality of micro-location devices and received by a mobile computer application executed by a mobile electronic device and a user identifier that is associated with a user of the mobile computer application;
the backend retrieving a micro-location device location from a database based on the unique identifier;
the backend determining a mobile electronic device location based on the micro-location device location; and
the backend updating a stored mobile electronic device location with the determined mobile electronic device location for a transaction account associated with the mobile electronic device;
wherein the updated stored mobile electronic device location is used to authorize a pending transaction involving a credit card or debit card associated with the transaction account by comparing the updated stored mobile electronic device location to a location for the pending transaction.

10. The method of claim 9 , further comprising:
the backend retrieving a message to provide to the mobile computer application based on the mobile electronic device location; and
the backend pushing the message to the mobile computer application.

11. The method of claim 9 , wherein the account is a financial transaction account.

12. The method of claim 9 , wherein the action comprises:
the backend updating a location history database to improve transaction authorization rules and fraud detection.

13. The method of claim 9 , wherein the backend further determines the mobile electronic device location based on a strength of the signal received by the mobile electronic device.

14. The method of claim 9 , wherein the backend further provides a third party with the user identifier and the mobile electronic device location.

15. The method of claim 9 , further comprising:
the backend receiving a second unique identifier that is associated with and broadcast as a second signal by a second micro-location device and received by the mobile computer application;
the backend retrieving a second micro-location device location from a database based on the second unique identifier;
the backend updating the mobile electronic device location based on the second micro-location device location; and
the backend updating the stored mobile electronic device location based on the updated mobile device location.

16. The method of claim 15 , wherein the first action comprises adding an account associated with the user identifier to a location history database, and the second action comprises updating an account status in the database and taking an action based on at least one business rule.

17. The method of claim 9 , wherein the pending transaction is permitted when the location for the transaction is within a threshold of the stored mobile electronic device location.

18. The method of claim 9 , wherein the pending transaction is prohibited when the location for the transaction is outside a threshold of the stored mobile electronic device location.

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Gantert Brian S
• Arnone Joseph P
• Mcmillen Richard W

Classifications

• G01S2201/025

  Indoor pedestrian positioning · CPC title

• H04W40/244

  using a network of reference devices, e.g. beaconing · CPC title

• H04W84/18

  Self-organising networks, e.g. ad-hoc networks or sensor networks · CPC title

• H04W4/029 Primary

  Location-based management or tracking services · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title