US 11,682,017 B2
Systems and methods for electronic payments with fraud prevention
Desmond Griffin, Vancouver (CA)
Assigned to Perk Hero Software Inc., Vancouver (CA)
Appl. No. 16/648,141
Filed by PERK HERO SOFTWARE INC., Vancouver (CA)
PCT Filed Sep. 18, 2018, PCT No. PCT/CA2018/051159
§ 371(c)(1), (2) Date Mar. 17, 2020,
PCT Pub. No. WO2019/051617, PCT Pub. Date Mar. 21, 2019.
Claims priority of provisional application 62/559,952, filed on Sep. 18, 2017.
Prior Publication US 2020/0219108 A1, Jul. 9, 2020
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/3223 (2013.01); G06Q 20/3227 (2013.01)] 11 Claims
OG exemplary drawing
 
1. A method for electronic payments performed by a payment services provider server, comprising:
receiving, from a vendor server, a transaction request comprising a payment amount, a user identifier and a vendor identifier;
sending an indication of the transaction request to a wireless communication device associated with the user identifier;
receiving, from the wireless communication device, a confirmation of the transaction request;
receiving, from the wireless communication device, supplementary information gathered during input of the confirmation of the transaction request, the supplementary information comprising accelerometer data measured by an accelerometer of the wireless communication device during the input of the confirmation of the transaction request;
determining whether the transaction request is legitimate based on the supplementary information, the supplementary information including the accelerometer data measured by the accelerometer of the wireless communication device,
wherein in response to a determination that the accelerometer data measured by the accelerometer of the wireless communication device indicates that a speed of the input of the confirmation of the transaction request was less than a first duration threshold, the transaction request is determined to be not legitimate,
wherein in response to a determination that the accelerometer data measured by the accelerometer of the wireless communication device indicates that the speed of the input of the confirmation of the transaction request was equal to or more than a second duration threshold, the transaction request is determined to be legitimate;
in response to a determination that the transaction request is legitimate:
approving the transaction request;
causing a payment from a financial account associated with the user identifier to a financial account associated with the vendor identifier in response to the approving, wherein payment is defined by a payment transaction, the causing comprising sending a request to initiate the payment transaction from the financial account associated with the user identifier to the financial account associated with the vendor identifier in response to the approving; and
sending a confirmation of payment to the vendor server and/or the wireless communication device; and
declining the transaction request in response to a determination that the transaction request is not legitimate.