Account Security System Using Location Distance Thresholds
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Solution Overview
Problem
Existing account security methods are ineffective in detecting and processing account abnormalities in real-time, leading to significant user losses due to delayed detection of unauthorized transactions, especially in online banking and ATM transactions.
Innovation Solution
A method and system that assesses the location of a user's account operation and their current location using GPS or LBS positioning, notifying the user if the distance exceeds a predetermined threshold, allowing for immediate action to prevent unauthorized access and reduce losses.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual inspection methods or cameras are used for account security monitoring, then account theft can be detected, but the detection is delayed and processing is expensive
Solution Approach 1:
The patent replaces manual inspection methods and physical cameras with an automated electronic monitoring system that uses computer technology to detect account abnormalities in real-time. The system automatically compares transaction data against user profiles and sends instant notifications, eliminating the time delays inherent in manual or passive camera-based approaches.
Solution Approach 2:
The system enables users to actively participate in their own account security by sending them real-time notifications when abnormalities are detected. Users can then immediately take action through the mobile application to freeze accounts or report theft, making the security response a self-service process rather than relying on delayed external intervention.
2Reliability
If existing antitheft methods like cameras or manual inspection are implemented, then some account theft can be detected, but the cost is high and response is delayed
Solution Approach 1:
The patent replaces expensive physical security infrastructure (cameras, manual inspectors) with a cost-effective software-based monitoring system. The electronic system processes transactions automatically using algorithms that compare activity against user profiles, providing continuous monitoring at a fraction of the cost of physical security measures.
Solution Approach 2:
The monitoring system serves multiple functions: it detects account abnormalities, sends notifications, enables user response actions, and maintains transaction records. This multi-functional approach consolidates what would otherwise require separate expensive systems into a single integrated platform.
3Reliability
If real-time location comparison is performed to detect unauthorized transactions, then account security is improved, but system complexity increases
Solution Approach 1:
The patent replaces complex physical tracking systems with simplified electronic location data comparison. The system uses digital location information from mobile devices and automated teller machines, comparing coordinates through software algorithms rather than physical tracking mechanisms, thereby reducing overall system complexity while maintaining security effectiveness.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
This solution enables timely detection and processing of account abnormalities, reducing the risk of theft and user losses by promptly notifying users of potential unauthorized transactions and allowing them to lock their accounts or report crimes, thereby enhancing account security.
Implementation Method 1
A method and system that assesses the location of a user's account operation and their current location using GPS or LBS positioning
Implementation Method 2
A method and system that assesses the location of a user's account operation and their current location using GPS or LBS positioning
Data Source
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AI summary
Embodiments of the present application relate to an account security protection method, an account security protection system, and a computer program product for account security protection. An account security protection method is provided. The method includes retrieving a current location of a user, and a location where the user's account is being operated, determining whether a distance between the location of the user and the location where the user's account is being operated exceeds a predetermined distance threshold, and in the event that the distance between the location of the user and the location where the user's account is being operated exceeds the predetermined distance threshold, notifying the user.