Method and system for determining terminal locations

Patent metadata

Field	Value
Publication number	US-11810115-B2
Application number	US-201916566408-A
Country	US
Kind code	B2
Filing date	Sep 10, 2019
Priority date	Feb 12, 2016
Publication date	Nov 7, 2023
Grant date	Nov 7, 2023

Abstract

Described herein is a platform and method for generating a terminal location from transaction data. In some embodiments, location data is periodically provided to a service computer from multiple mobile devices. Additionally, transaction data related to terminals may be provided to the service provider by one or more entities. The service provider may be configured to match records in the received transaction data to records in the received location data to identify a set of potential terminal locations. In some embodiments, the set of potential terminal locations may be filtered according to one or more criteria. A terminal location may subsequently be approximated from the set of potential terminal locations.

First claim

What is claimed is:

1. A user device comprising:
a global positioning system device configured to obtain location data for the user device at periodic intervals;
a processor; and
a memory including:
a tracking module configured to communicate the location data for the user device to a service computer, and
an account module storing payment information and configured to communicate the payment information to a POS terminal of a merchant, wherein the user device includes a mobile communication device, wherein the account module is a mobile wallet application stored on the mobile communication device,
the memory storing instructions that, when executed with the processor, cause the user device to at least:
receive, by the account module of the user device over a first communication channel, transaction information associated with a transaction from the POS terminal;
transmit, by the account module of the user device over the first communication channel, the payment information to the POS terminal of the merchant at a first time to conduct the transaction, wherein a location of the POS terminal is unknown to the service computer;
obtain, by the global positioning system device of the user device at periodic intervals, the location data for the user device, the location data comprising geographic locations of the user device obtained at different points in time regardless of the user device being involved in any transaction, wherein the location data includes a geographic location information component and a time information component associated with the geographic location information component;
receive, by the user device from the service computer, a request for the location data associated with the first time;
wirelessly transmit, using the tracking module of the user device to the service computer over a second communication channel different from the first communication channel, a first geographic location of the user device obtained at a second time; and
wirelessly transmit, using the tracking module of the user device to the service computer over the second communication channel, a second geographic location of the user device obtained at a third time, the second time and the third time being closest in proximity to the first time associated with the transaction,
wherein the location of the POS terminal is determined using the first time, the first geographic location of the user device, the second time, the second geographic location of the user device, and the third time,
wherein the location of the POS terminal is determined as a location between the first geographic location of the user device and the second geographic location of the user device
wherein the user device is present at same locations as the POS terminal when the transaction is conducted, and
wherein the account module of the user device is programmed to cause the user device to complete the transaction with the merchant.

2. The user device of claim 1 , wherein the first geographic location of the user device is obtained at the point in time before the time associated with the transaction which is closest in proximity to the time associated with the transaction and the second geographic location of the user device is obtained at the point in time after the time associated with the transaction which is closest in proximity to the time associated with the transaction.

3. The user device of claim 1 , wherein detecting that a transaction has been conducted with the merchant comprises receiving an indication of the transaction from the service computer.

4. The user device of claim 3 , wherein the service computer provides the indication of the transaction based on a mapping between an identifier associated with the user device and an access credential used to conduct the transaction.

5. The user device of claim 4 , wherein the identifier comprises one of a phone number, an international mobile station equipment identifier (IMEI), or a serial number associated with the user device.

6. The user device of claim 1 , wherein the service computer is caused to determine the location of the POS terminal using a straight-line function.

7. The user device of claim 1 , wherein the transaction is for a resource managed by the merchant.

8. A computer-implemented method comprising:
receiving, by an account module of a user device over a first communication channel, transaction information associated with a transaction from a POS terminal of a merchant, wherein the user device includes a mobile communication device, wherein the account module is a mobile wallet application storing payment information;
transmitting, by the account module of the user device over the first communication channel, the payment information to the POS terminal of the merchant at a first time to conduct the transaction, wherein a location of the POS terminal is unknown to a service computer;
obtaining, by a global positioning system device of a user device at periodic intervals, location data for the user device, the location data comprising geographic locations of the user device obtained at different points in time regardless of the user device being involved in any transaction, wherein the location data includes a geographic location information component and a time information component associated with the geographic location information component, wherein a tracking module of the user device is configured to communicate the location data for the user device to the service computer;
receiving, by the user device from the service computer, a request for the location data associated with the first time;
determining, by the user device, a time associated with the transaction; and
wirelessly transmitting, by the tracking module of the user device to the service computer over a second communication channel different from the first communication channel, a first geographic location of the user device obtained at a second time; and
wirelessly transmitting, using the tracking module of the user device to the service computer over the second communication channel, a second geographic location of the user device obtained at a third time, the second time and the third time being closest in proximity to the first time associated with the transaction,
wherein the location of the POS terminal is determined using the first time, the first geographic location of the user device, the second time, the second geographic location of the user device, and the third time,
wherein the location of the POS terminal is determined as a location between the first geographic location of the user device and the second geographic location of the user device,
wherein the user device is present at same locations as the POS terminal when the transaction is conducted, and
wherein the account module of the user device is programmed to cause the user device to complete the transaction with the merchant.

9. The method of claim 8 , wherein the first geographic location of the user device is obtained at the point in time before the time associated with the transaction which is closest in proximity to the time associated with the transaction and the second geographic location of the user device is obtained at the point in time after the time associated with the transaction which is closest in proximity to the time associated with the transaction.

10. The method of claim 8 , wherein detecting that a transaction has been conducted with the merchant comprises receiving an indication of the transaction from the service computer.

11. The method of claim 10 , wherein the service computer provides the indication of the transaction based on a mapping between an identifier associated with the u

Assignees

• Visa Int Service Ass

Inventors

• Wagner Kim R

Classifications

• G06Q20/4016 Primary

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title