Online transaction validation using a location object

Patent metadata

Field	Value
Publication number	US-10649984-B2
Application number	US-201715726824-A
Country	US
Kind code	B2
Filing date	Oct 6, 2017
Priority date	Jun 4, 2007
Publication date	May 12, 2020
Grant date	May 12, 2020

Abstract

A method that comprises obtaining from end user equipment a location object caused to be stored on the end user equipment by a service provider; and validating an online transaction attempted using the end user equipment, based at least in part on the location object so obtained. The method may further comprise obtaining transaction object information provided via the end user equipment; and obtaining information to assist in validating online transactions attempted using the transaction object information. The validating of the online transaction may comprise comparing a location specified by the location object to the information to assist in validating online transactions attempted using the transaction object information and taking a validation action based on a result of the comparing.

First claim

What is claimed is:

1. A system for validating an online transaction comprising:
a network element within a service provider's communication network, the network element configured to:
determine a location of end user equipment within the communication network;
encrypt the location into an encrypted location object using an encryption key; and
cause an encrypted location object of the location to be transmitted to the end user equipment;

end user equipment located at a user's premise and coupled to the communication network, the end user equipment configured to:
receive and store the encrypted location object transmitted by the network element;
transmit transaction object information for an online transaction attempted by the end user equipment; and
transmit the stored encrypted location object; and

a transaction processor coupled to the communication network, the transaction processor configured to:
receive the transaction object information for the attempted online transaction transmitted from the end user equipment;
receive the encrypted location object transmitted from the end user equipment;
receive a decryption key used to decrypt the location object encrypted by the network element using the encryption key;
decrypt the received encrypted location object transmitted from the end user equipment using the received decryption key; and
validate the transaction object information for the attempted online transaction based at least in part on the decrypted location information.

2. The system of claim 1 , wherein the transaction processor is further configured to:
obtain information to assist in validating online transactions attempted using the transaction object information; and
validate the transaction object information for the attempted online transaction based at least in part on a comparison of the decrypted location information and the information to assist in validating online transactions attempted using the transaction object information.

3. The system of claim 2 , wherein the information to assist in validating online transactions attempted using the transaction object information includes at least one authorized transaction point location, and wherein the validation action comprises handling the online transaction in a first manner if the location specified by the decrypted location information corresponds to at least one of the at least one authorized transaction point location.

4. The system of claim 2 , wherein the information to assist in validating online transactions attempted using the transaction object information includes at least one unauthorized transaction point location, and wherein the validation action comprises handling the online transaction in a first manner if the location specified by the decrypted location information corresponds to at least one of the at least one unauthorized transaction point location.

5. The system of claim 2 , wherein obtaining the information to assist in validating online transactions attempted using the transaction object information comprises consulting a database on a basis of the transaction object information.

6. The system of claim 2 , wherein obtaining the information to assist in validating online transactions attempted using the transaction object information comprises receiving a message conveying the information to assist in validating online transactions attempted using the transaction object information.

7. The system of claim 1 , wherein the location object specifies a service point location associated with a current location of the end user equipment expressed as one or more of:
a civic address; and
a set of geo-coordinates.

8. The system of claim 1 , wherein the transaction object information comprises at least one of:
payment card information regarding a payment card;
electronic check information regarding an electronic check;
digital cash information regarding a set of at least one digital cash certificate; and
account information regarding an account.

9. The system of claim 1 , wherein the transaction processor is further configured to:
transmit a request for the encrypted location object of the end user equipment attempting the online transaction.

10. The system of claim 1 , wherein validating the transaction object information for the attempted online transaction comprises either approving or denying the attempted online transaction.

Assignees

• Bce Inc

Inventors

• Bouchard Jean
• Fortier Stéphane Maxime François

Classifications

• H04L63/0892

  by using authentication-authorization-accounting [AAA] servers or protocols · CPC title

• G06Q40/12

  Accounting · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06Q30/0264

  based upon schedule · CPC title

• G06Q30/0254

  based on statistics · CPC title