Mobile Payment Verification Using Weighted Location Data

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Solution Overview

Problem

Electronic transaction systems are vulnerable to attacks that redirect payments to unauthorized parties, particularly through false QR codes and skimming methods, compromising transaction security.

Innovation Solution

A transaction security system that uses weighted location data to verify transactions by comparing current transactions with historical data from the same location, alerting users to potential fraud and allowing confirmation from the vendor or point of purchase.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If QR code payment systems are used for touchless transactions, then transaction convenience and speed are improved, but vulnerability to false QR codes and payment redirection attacks increases

Engineering Contradiction:

Improvetransaction speedVSAvoidfalse QR code attacks

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

The system performs preliminary verification by analyzing historical transaction data and location information before processing the payment. It checks whether the QR code and transaction details match expected patterns from the merchant's location and history, preventing fraud before the transaction completes

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system uses historical transaction data as feedback to verify current transactions. By comparing current QR code transactions against historical patterns at the same location, the system can identify and block anomalous transactions that deviate from established merchant behavior

Inventive Principle:

Principle #23Feedback

2Reliability

If location data verification is implemented to detect falsified payee information, then transaction security is improved, but system complexity increases

Engineering Contradiction:

Improvetransaction securityVSAvoidverification system complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system introduces location data and historical transaction patterns as intermediary verification layers between the user and the payment processing. These intermediaries provide additional security without requiring direct changes to the core payment infrastructure

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system creates a virtual model of legitimate merchant transactions by copying and analyzing historical transaction data. This digital twin of normal transaction patterns serves as a reference for verifying current transactions, adding security through data replication rather than hardware complexity

Inventive Principle:

Principle #26Copying

Data Source

PatentUS12524753B2Payment device and method with detection of falsified payee information based on weighted location data obtained by the payment device

Publication Date: 2026.01.13 YELLCAST

AI summary

The system and methods describe transaction spoofing detection based on a transaction notification from a mobile computing device, determining a location associated with the mobile computing device, determining an entity associated with the location that the transaction notifications are directed to at the geographic location, determining whether the transaction is directed to the first entity and providing an indication on the first mobile computing device indicating the transaction may be a security risk.