System, method, and device for detecting that a user is intoxicated when processing payment card transactions
US12039539B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 16, 2020 |
| Grant date | Jul 16, 2024 |
| Priority date | — |
| Expiry date | Dec 28, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L67/535
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method and a system are provided for processing payment card transactions in conjunction with a user device configured to detect intoxicated use. The user device includes a behavior detection application which can detect whether a user is intoxicated using the device's motion sensing hardware, user endpoint data, and application level data. When the user attempts a transaction while intoxicated, the user's device can detect that the user is impaired or sober. If impaired, the payment card system can deny the transaction. If sober, the payment card system can offer incentives for certain transactions. The payment card system can also allow sponsoring entities to pay for transactions that incentivize better behavior when a user is intoxicated or support transactions for sober users.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.