Location based authentication

Patent metadata

Field	Value
Publication number	US-9721250-B2
Application number	US-25832208-A
Country	US
Kind code	B2
Filing date	Oct 24, 2008
Priority date	Oct 25, 2007
Publication date	Aug 1, 2017
Grant date	Aug 1, 2017

Abstract

A portable consumer device that is used to conduct a transaction at a merchant is authenticated. Information provided to a server computer includes locations of a merchant and a mobile communication device possessed by a consumer. If the location of the mobile communication device corresponds to the location of the merchant, the portable consumer device that is used to conduct the transaction is authenticated.

First claim

What is claimed is:

1. A method for conducting a transaction, the method comprising:
receiving, at a server in a payment processing network coupled with a mobile communication device held by a consumer, first location information associated with a particular location of the consumer's mobile communication device during a transaction conducted with a merchant;
receiving, at the server, second location information associated with a particular fixed geographic location of the merchant at the time of the transaction, wherein the second location information is contained within a unique merchant identifier transferred from the merchant to the mobile communication device during the transaction, and wherein the second location information is then forwarded to the server from the mobile communication device via the payment processing network instead of from an access device operated by the merchant;
receiving an authorization request message at the server computer;
using the server computer, determining that a portable consumer device held by the consumer is authentic when the first location information matches the second location information; and
using the server computer, forwarding the authorization request message to an issuer with an indicator specifying that the consumer has been authenticated or that the consumer has not been authenticated;
wherein the first location information and the second location information are received from the mobile communication device held by the consumer, and wherein the second location information is provided to the mobile communication device directly from the access device operated by the merchant.

2. The method of claim 1 wherein the mobile communication device and the portable consumer device are the same device.

3. The method of claim 1 , wherein the second location is a particular merchant location, and wherein the method further comprises:
in the event that a subsequent transaction is initiated using a different portable consumer device at a different merchant at a different merchant location, determining that the different portable consumer device is authentic based on at least one of a distance between the particular merchant location and the different merchant location and an amount of time elapsed between the transaction at the particular merchant location and the subsequent transaction at the different merchant location.

4. The method of claim 1 further comprising:
sending a message to the merchant indicating that the portable consumer device is authentic.

5. The method of claim 1 further comprising:
determining that a subsequent transaction is authentic using the first location information and the second location information.

6. The method of claim 1 , wherein the second location information is generated by the access device operated by the merchant, and wherein the second location information does not pass through an acquirer associated with the access device operated by the merchant.

7. The method of claim 1 , wherein the server computer determines the second location information of the merchant by determining a physical address or geographic coordinates that correspond to the unique merchant identifier received in the authorization request message.

8. The method of claim 1 , wherein the consumer is authenticated to the payment processing network before initiating the transaction at the merchant.

9. The method of claim 1 , wherein the second location information is encrypted at the merchant using an electronic signature before it is transferred to the consumer's mobile communication device.

10. The method of claim 1 , further comprising contacting the consumer to authenticate when the first location information and the second location information do not match.

11. The method of claim 1 , further comprising authenticating the consumer with the mobile communication device before initiating the transaction with the merchant.

12. The method of claim 1 , wherein the second location information is generated by the access device operated by the merchant, and wherein the first location information and the second location information are received at the server in the same authorization request message forwarded by the consumer's mobile communication device.

13. A method for conducting a transaction, the method comprising:
providing first location information to a server computer in a payment processing network, wherein the first location information corresponds to a location of a mobile communication device held by a consumer during a transaction conducted with a merchant;
providing second location information to the server computer, wherein the second location information corresponds to a fixed geographic location of the merchant at the time of the transaction, wherein the second location information is contained within a unique merchant identifier transferred from the merchant to the consumer's mobile communication device during the transaction and is thereafter forwarded to the server computer from the mobile communication device via the payment processing network instead of from the merchant,
wherein the server computer is configured to determine that a portable consumer device used in the transaction is authentic when the first location information matches with the second location information; and
wherein the second location information is generated by an access device operated by the merchant; and the first location information and the second location information are received from the mobile communication device, wherein the second location information is provided to the mobile communication device directly from the access device operated by the merchant, and
wherein the first and second location information do not pass through an acquirer in communication with the access device of the merchant, and
wherein the server computer forwards an authorization request message to an issuer with an indicator that it has determined that the consumer has been authenticated or that the consumer has not been authenticated.

14. The method of claim 13 wherein the first location information comprises global positioning system information associated with the mobile communication device, and wherein the second location information comprises a merchant identifier received in an authorization request message from an access device of the merchant that is conducting the transaction.

15. The method of claim 14 wherein the portable consumer device is the mobile communication device.

16. The method of claim 15 wherein the merchant identifier identifies the fixed geographic location of the merchant.

17. The method of claim 15 wherein the portable consumer device is in the form of a card.

18. The method of claim 15 wherein the server computer further performs the following:
in the event that a subsequent transaction is initiated using a different portable consumer device at a different merchant, determining that the different portable consumer device is authentic based on at least one of a distance between the particular merchant location and the different merchant location and an amount of time elapsed between the transaction and the subsequent transaction.

19. The method of claim 13 wherein the server computer further performs the following:
in the event that the first location information matches with the second location information, validating the transaction.

20. The method of claim 13 , wherein the access device operated by the merchant is configured to provide the unique merc

Assignees

• Hammad Ayman
• Faith Patrick
• Visa Usa Inc

Inventors

• Hammad Ayman
• Faith Patrick

Classifications

• G06Q40/128

  Check-book balancing, updating or printing arrangements · CPC title

• G06Q40/00

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

• G06Q30/0601

  Electronic shopping [e-shopping] · CPC title

• G06Q30/0215

  Including financial accounts · CPC title

• G06Q30/0212

  Chance discounts or incentives · CPC title