IP Library › Granted Patent US 12,309,311
Granted Patent B2
US 12,309,311 · App. 18/435,280 · Granted May 20, 2025

Method and system for validating electronic transactions

Inventor: Guy Hefetz (Boca Raton, FL)
Assignee: SPRIV LLC
H04M1/72457H04M1/725H04W4/029
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Quick Facts
Patent No.
US 12,309,311
App. No.
18/435,280
Granted
May 20, 2025
Kind
B2
Abstract

A method and system for validating an Internet transaction by geographically locating the user's mobile phone and the location of the transaction. The invention also provides a method for detecting and reducing the incidence of fraud during electronic transactions, by generating an alert if the two locations do not match in geographical proximity. The method does not require any user intervention other than the user's interaction with an Internet site via the Internet user's Internet browser.

Claims (71)

1. A method for authenticating a transaction or a website access,

wherein a geographical location is associated with the transaction or the website access,

and a user is associated with a mobile phone and with the transaction or the website access, comprising the steps of:

receiving a geographical location of the mobile phone, wherein the geographical location of the mobile phone is received from a source and is determined via a geolocation technique, wherein the geolocation technique comprises at least one of: GPS, Wi-Fi, antenna triangulation, and cellular base station;

receiving an accuracy value for the geographical location of the mobile phone,

wherein the accuracy value is received from the source;

if the received geographical location of the mobile phone is within an acceptable distance of the geographical location associated with the transaction or the website access, taking at least one of the following actions:

(i) allowing the user access to the website,

(ii) allowing the user to conduct the transaction, and

(iii) allocating a positive score to the user,

wherein the acceptable distance is one of:

(i) the accuracy value

(ii) the accuracy value plus a fraction of the accuracy value, and

(iii) the accuracy value plus a predetermined distance;

otherwise

if the received geographical location of the mobile phone is not within the acceptable distance, taking at least one of the following actions:

(i) denying the user access to the website,

(ii) forbidding the user to conduct the transaction,

(iii) allocating a negative score to the user, and

(iv) requesting additional information to validate the transaction or the website access,

wherein prior to receiving the geographical location of the mobile phone, a request to release the geographical location is presented, and a response to the request is communicated, via the mobile phone.

2. The method of claim 1 , wherein the geographical location associated with the transaction or the website access is a billing address of the user.

3. The method of claim 1 , wherein the accuracy value, at the time the geographical location of the mobile phone is determined, depends upon at least one of: the number of antennas the mobile phone is connected to, environmental factors, SDWI, distance to antenna, mobile phone reception quality, and exposure of the mobile phone to satellites.

4. The method of claim 1 , wherein the geographical location associated with the transaction or the website access is further associated in a database with at least one of a computer signature associated with the user and an IP address associated with the user.

5. The method of claim 4 , wherein the further association was created as a result of an authentication of at least one of a prior transaction and a prior website access.

6. The method of claim 5 , wherein the authentication of the prior transaction or the prior website access was triggered by at least one of the computer signature and the IP address not being associated in the database with a prior geographical location of the mobile phone.

7. The method of claim 5 , wherein the computer signature comprises at least one software identifier of the mobile phone, and wherein the geographical location associated with the transaction or the website access is a prior geographical location of the mobile phone.

8. The method of claim 5 , wherein the computer signature comprises a software identifier of a device associated with the user, wherein the device is different from the mobile phone and is further associated with the transaction or the website access, and wherein the geographical location associated with the transaction or the website access is a prior geographical location of the mobile phone.

9. The method of claim 5 , wherein the computer signature comprises a hardware identifier of a device associated with the user, wherein the device is different from the mobile phone.

10. The method of claim 1 , wherein the geographical location associated with the transaction or the website access is determined based on at least one of a MAC address and an SSID of another wireless device, wherein the at least one of the MAC address and the SSID is identified via at least one of Bluetooth, Wi-Fi, and RFID.

11. The method of claim 10 , further comprising the step of checking if the at least one of the MAC address and the SSID is associated in a database with at least one previous fraudulent transaction.

12. The method of claim 11 , wherein, if the at least one of the MAC address and the SSID is associated in the database with the at least one previous fraudulent transaction, taking at least one of the following actions:

(i) denying the user access to the website,

(ii) forbidding the user to conduct the transaction,

(iii) allocating a negative score to the user, and

(iv) requesting additional information to validate the transaction or the website access.

13. The method of claim 1 , wherein a broadcast of encoded personal identifying information is triggered upon a press of a button on or tapping at the mobile phone.

14. The method of claim 13 wherein the geographical location associated with the transaction or the website access is a location of one of: a Point of Sale that receives the broadcast and an ATM that receives the broadcast, and wherein the encoded personal identifying information comprises one of: an encoded credit card number and an encoded debit card number.

15. The method of claim 13 , wherein the press of the button or the tapping precedes the step of receiving the geographical location of the mobile phone.

16. The method of claim 1 , further comprising the step of verifying that information received from the user for an account associated with a credit card or a bank account used in conjunction with the transaction or the website access matches information for an owner of the mobile phone in a database managed by a carrier associated with the mobile phone.

17. The method of claim 16 , wherein the step of verifying occurs prior to the transaction or the website access, and wherein the information comprises at least one of: a name of the user and billing information of the user.

18. The method of claim 1 , wherein the geographical location associated with the transaction or the website access is a second geographical location of the mobile phone, wherein the second geographical location is determined via a second geolocation technique, wherein the second geolocation technique is different from the geolocation technique and is at least one of one of: GPS, Wi-Fi, antenna triangulation, and cellular base station.

19. The method of claim 1 , wherein the geographical location associated with the transaction is a point of sale location.

20. A method for authenticating a transaction or a website access,

wherein a geographical location is associated with the transaction or the website access, and a user is associated with a mobile phone and with the transaction or the website access, comprising the steps of:

receiving, from a source, a geographical location of the mobile phone, wherein the geographical location of the mobile phone is determined via a geolocation technique, and wherein the geolocation technique comprises at least one of: GPS, Wi-Fi, antenna triangulation, and cellular base station; and

receiving an accuracy value for the geographical location of the mobile phone,

wherein the accuracy value is received from the source;

wherein, if the received geographical location of the mobile phone is within an acceptable distance of the geographical location associated with the transaction or the website access, at least one of the following occurs:

(i) the user is allowed access to the website,

(ii) the user is allowed to conduct the transaction, and

(iii) a positive score is allocated to the user;

and wherein, if the received geographical location of the mobile phone is not within the acceptable distance, at least one of the following occurs:

(i) the user is denied access to the website,

(ii) the user is forbidden to conduct the transaction,

(iii) a negative score is allocated to the user, and

(iv) additional information is requested to validate the transaction or the website access;

wherein the acceptable distance is one of:

(i) the accuracy value,

(ii) the accuracy value plus a fraction of the accuracy value, and

(iii) the accuracy value plus a predetermined distance.

21. The method of claim 20 , wherein the geographical location associated with the transaction or the website access is further associated in a database with at least one of a computer signature associated with the user and an IP address associated with the user.

22. The method of claim 21 , wherein the geographical location associated with the transaction or the website access is a prior geographical location of the mobile phone, and wherein the further association was created as a result of an authentication of at least one of a prior transaction and a prior website access.

23. The method of claim 22 , wherein the authentication of the prior transaction or the prior website access was triggered by a prior received geographical location not being within a prior acceptable distance.

24. The method of claim 21 , wherein the computer signature comprises at least one software identifier of the mobile phone.

25. The method of claim 21 , wherein the computer signature comprises a software identifier of a device associated with the user, wherein the device is different from the mobile phone and is further associated with the transaction or the website access, and wherein the geographical location associated with the transaction or the website access is a prior geographical location of the mobile phone.

26. The method of claim 20 , wherein a broadcast of encoded personal identifying information is triggered upon a press of a button on or tapping at the mobile phone.

27. The method of claim 26 , wherein the geographical location associated with the transaction or the website access is a location of one of: a Point of Sale that receives the broadcast and an ATM that receives the broadcast, and wherein the encoded personal identifying information comprises one of: an encoded credit card number and an encoded debit card number.

28. The method of claim 26 , wherein the press of the button or the tapping precedes the step of receiving the geographical location of the mobile phone.

29. The method of claim 20 , further comprising the step of verifying that information received from the user for an account associated with a credit card or a bank account used in conjunction with the transaction or the website access matches information for an owner of the mobile phone in a database managed by a carrier associated with the mobile phone.

30. The method of claim 29 , wherein the verifying occurs prior to the transaction or the website access, and wherein the information comprises at least one of: a name of the user and billing information of the user.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 7, 2024
From: HEFETZ, GUY
To: SPRIV LLC
Reel/Frame 066406/0834 →
Continuity (15)
Continuation In Part 18464199 · Sep 9, 2023
Continuation 17871935 · Jul 24, 2022
Continuation 17592528 · Feb 4, 2022
Continuation In Part 16724361 · Dec 22, 2019
Continuation In Part 15787805 · Oct 19, 2017
Continuation In Part 15606270 · May 26, 2017
Continuation In Part 15134545 · Apr 21, 2016
Continuation In Part 14835707 · Aug 25, 2015
Continuation In Part 14479266 · Sep 5, 2014
Continuation In Part 14145862 · Dec 31, 2013
Continuation In Part 13479235 · May 23, 2012
Continuation In Part 13065691 · Mar 28, 2011
Provisional Application 61445860 · Feb 23, 2011
Provisional Application 61318329 · Mar 28, 2010
Related Publication 20240259490A1 · Aug 1, 2024
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Maxmind (via archive.org): “Skyhook Wireless and MaxMind Announce Partnership”, Jan. 30, 2006, p. 1. http://www.maxmind.com/app/news_20060130. [cited by applicant]
Maxmind (via archive.org): “Maxmind minFraud”, Jan. 8, 2007. pp. 1-2. https://www.maxmind.com/MaxMind_minFraud_Overview.pdf. [cited by applicant]
Cyberangel (via archive.org): Jun. 20, 2005; “CyberAngel Security Solutions and Skyhook Wireless Announce Groundbreaking New Laptop Recovery System” pp. 1,2. http://www.thecyberangel.com/pr/TheCA_SkyhookPart.pdf. [cited by applicant]
RSA Security (via Archive.org): “RSA Adaptive Authentication the Logical Consumer Solution” p. 2. Mar. 14, 2006 http://www.rsasecurity.com/solutions/consumer_authentication/ADAPT_SB_0106.pdf. [cited by applicant]
RSA Security (via Archive.org): RSA Adaptive Authentication for web; https://web.archive.org/web/20061230232715/http://www.rsasecurity.com/node.asp?id=3018 (archived Dec. 30, 2006). [cited by applicant]
Cyota (via archive.org): “Cyota eSphinx—How does it work?” https://web.archive.org/web/20060324224711/http://www.cyota.com//product_7_19.asp (Archived Mar. 24, 2006). [cited by applicant]
RSA Security (via Archive.org): “RSA eFraudNetwork” http://www.rsasecurity.com/node.asp?id=3071 (Archived Dec. 10, 2006). [cited by applicant]
Sharma “Location based authentication” M.S. Thesis, University of New Orleans, May 20, 2005. pp. 17-25 https://scholarworks.uno.edu/td/141. [cited by applicant]
Lenders, V. et al., “Location-Based Trust for Mobile User-granted Content: Applications, Challenges and Implementations”, HotMobile '08:Proceedings of the 9th workshop on Mobile computing systems and applications, Napa … [cited by applicant]
EPaynews, “Security System Matches Card Purchase to Cellphone Location.” ePaynews, the Payment News and Resource Center. Mar. 12, 2008 https://www.atmmarketplace.com/news/security-system-matches-card-purchase-to-cell-ph… [cited by applicant]
Chen, Y. et al., “Cache Management Techniques for Privacy Preserving Location-based Services” Dept. of Electrical & Computer Engineering, SUNY—Binghamton, Binghamton, NY 13902 https://citeseerx.ist.psu.edu/viewdoc/downl… [cited by applicant]
“Maxmind, Online Guidelines for Preventing Online Credit Card Fraud” http://web.archive.org/web/20050516073510/http://www.maxmind.com/app/prevent_credit_card_fraud May 12, 2005. [cited by applicant]