Non-Intrusive Geo-Location Verification for Transaction Authorization
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Solution Overview
Problem
Current systems for transaction authorization face challenges in non-intrusively determining user location for authentication, raising privacy concerns and requiring continuous monitoring, which is not feasible due to the volume of transactions and security needs.
Innovation Solution
A system that enables non-intrusive geo-location determination for transaction authorization by analyzing transaction information to determine transaction locations and user device associations, formulating queries, and transmitting requests to user devices for location verification without revealing actual coordinates, ensuring privacy and security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If continuous monitoring of user location is implemented for transaction authentication, then transaction security is improved, but user privacy is compromised and system complexity increases
Solution Approach 1:
The patent extracts only the essential location verification information needed for transaction authentication while leaving the detailed user location data retained privately on the user's device. The system obtains a boolean confirmation of location match without extracting or storing actual location coordinates, thus securing transactions while preserving user privacy.
Solution Approach 2:
The patent introduces an intermediary verification mechanism where the user's mobile device acts as a mediator between the transaction system and location data. The device locally compares transaction location with user location and returns only a verification result, preventing direct access to sensitive location information while enabling security verification.
2Reliability
If perpetual monitoring of user location is implemented for transaction authentication, then transaction validity is improved, but system resources and time are excessively consumed
Solution Approach 1:
The patent implements periodic location verification only when transactions occur, rather than continuous monitoring. The system activates location verification at specific transaction points in time, obtaining location confirmation on-demand for each transaction event, thus validating transactions without consuming resources during non-transaction periods.
Solution Approach 2:
The patent performs location verification as a preliminary step before transaction completion. By checking location match before authorizing the transaction, the system ensures transaction validity upfront, preventing fraudulent transactions rather than detecting them afterward, which saves processing time and resources.
3Measurement precision
If detailed user location information is collected for transaction authorization, then location accuracy is improved, but security risks and privacy concerns increase
Solution Approach 1:
The patent applies local quality by maintaining different data handling approaches for different aspects of location information. The system achieves high location accuracy for verification purposes while simultaneously applying strong privacy protection by preventing the collection, storage, or transmission of actual location coordinates, thus having different quality characteristics for different data attributes.
Data Source
AI summary
Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.