Financial authorization of an online transaction based on a location and an identifier of a user device
US9892402B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 18, 2013 |
| Grant date | Feb 13, 2018 |
| Priority date | — |
| Expiry date | Jan 8, 2035 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/385
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A processor server receives transaction information associated with an online transaction between a user device and a merchant server, and provides embedded code to the user device based on receiving the transaction information. The processor server receives, based on execution of the embedded code, location information identifying a geographic location at which the user device is located, and an identifier associated with the user device. The processor server determines an authorization decision for the online transaction based on the transaction information, the location information, and the identifier, and forwards the authorization decision to the merchant server to permit the merchant server to approve or deny the online transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.