Payment authorization using location data
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United States of America Patent
Stats
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N/A
Issued Date -
Jul 26, 2007
app pub date -
Dec 12, 2006
filing date -
Dec 12, 2005
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
Systems and methods are provided for payment authorization using location data. In an illustrative implementation, a payment authorization platform comprises a location score based authorization engine and at least one instruction set. In the illustrative implementation, the instruction set comprises one or more instructions to instruct the location score based authorization engine to process m-commerce payment transactions according to a selected one or more payment authorization paradigms. The selected one or more payment authorization paradigms can include but is not limited to a fraud detection processing using location scoring principles. Responsive to a payment processing request, the location score based authorization engine generates a location score providing a confidence value. In the illustrative operation, the location score can be calculated by monitoring the pattern of use and the location of mobile transactions and other communications from the mobile communications device.
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