US 11,989,789 B2
Systems and methods for locating merchant terminals based on transaction data
Jason Jay Lacoss-Arnold, St. Louis, MO (US); and Vincent A. Haulotte, Manchester, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Aug. 15, 2022, as Appl. No. 17/888,311.
Application 17/888,311 is a continuation of application No. 16/667,362, filed on Oct. 29, 2019, granted, now 11,416,947.
Application 16/667,362 is a continuation of application No. 14/862,704, filed on Sep. 23, 2015, granted, now 10,467,706, issued on Nov. 5, 2019.
Prior Publication US 2022/0391995 A1, Dec. 8, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/12 (2023.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0204 (2023.01); H04W 64/00 (2009.01)
CPC G06Q 40/12 (2013.12) [G06Q 20/20 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/4016 (2013.01); G06Q 30/0205 (2013.01); H04W 64/00 (2013.01)] 11 Claims
OG exemplary drawing
 
1. A computer-implemented method for use in locating one or more merchant terminals, the method comprising:
accessing, by a computing device, interaction data for multiple interactions, the multiple interactions each being at a merchant terminal of a merchant and directed to a payment account associated with one of multiple different users, the interaction data, for each of the multiple interactions, including a terminal ID specific to the merchant terminal, account information for the payment account of the one of the multiple different users involved in said interaction, and a temporal indicator;
for each of the multiple interactions:
compiling a terminal key number for the merchant terminal based on the terminal ID; and
receiving, by the computing device, via a network, from a portable communication device of the one of the multiple different users involved in said interaction, location data, a temporal indicator, and account information;
matching, by the computing device, the temporal indicators and the account information received from the portable communication devices to the temporal indicators and the account information included in the interaction data for ones of the multiple interactions;
in response to matching the temporal indicators and the account information received from the portable communication devices and included in the interaction data, averaging the location data corresponding to said matching ones of the multiple interactions specific to the same terminal key number;
identifying, by the computing device, the average of the location data as an actual location of the merchant terminal; and
providing, by the computing device, the identified actual location to an issuer, whereby the issuer relies on the actual location to approve or decline a subsequent transaction at the merchant by a subsequent user, in response to a portable communication device of the subsequent user being more than a deviation from said actual location.