Geolocation Cross-Reference for Transaction Fraud Prevention
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Solution Overview
Problem
Current methods for authenticating internet user identity over the internet are inadequate in preventing fraud, as they do not effectively verify the geographical location of users, leading to potential identity theft during online transactions.
Innovation Solution
A method that cross-references and compares the geographical location of an internet user's IP address with their communication voice device's location, using existing software and technologies like GPS, WiMax, and cellular base stations, to assign a security score based on proximity, thereby authenticating the user and controlling access to transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authentication methods are used, then the authentication process is simple and fast, but the security and fraud prevention capability is insufficient
Solution Approach 1:
The authentication process is divided into multiple independent verification stages: IP address geolocation verification, device location verification, and proximity comparison. Each stage operates independently and contributes to the overall security score, allowing the system to balance simplicity and thoroughness.
Solution Approach 2:
A security score intermediary mechanism is introduced that aggregates results from multiple verification sources (IP location, device location, proximity data) into a single comprehensive assessment. This intermediary layer simplifies the complex verification process into a manageable scoring system that can be automatically evaluated.
2Reliability
If geographical location verification is added, then the security and fraud detection capability is improved, but the authentication time and processing speed increase
Solution Approach 1:
Geographical location data for IP addresses and devices is pre-collected and stored in databases before authentication is needed. During authentication, the system retrieves pre-stored location data rather than performing real-time location determination, significantly reducing processing time while maintaining verification accuracy.
Solution Approach 2:
The system replaces complex real-time location determination mechanisms with database lookup and comparison mechanisms. Instead of performing live GPS tracking or complex geospatial analysis during authentication, the system uses pre-computed location data stored in databases, substituting computational complexity with data retrieval and comparison operations.
3Measurement precision
If multiple location data sources are cross-referenced, then the authentication accuracy and fraud detection capability improve, but the system complexity and data processing requirements increase
Solution Approach 1:
Different types of location data (IP address location, device location, proximity data) are collected and processed according to their specific characteristics and reliability levels. Each data source is evaluated and weighted according to its local quality and reliability, allowing the system to handle different data types appropriately without uniform processing complexity.
Data Source
AI summary
A computer system is configured to authenticate the identity of a user who is attempting to access a website or conduct a transaction. The system is configured to receive a geographical location associated with the user and to receive the geographical location of a mobile phone associated with the user, and to determine whether the two geographical locations are within an acceptable distance.