US 12,393,951 B2
Methods for enhancing transaction authorizations with device location data
Abdelkader M'hamed Benkreira, Washington, DC (US); Joshua Edwards, Philadelphia, PA (US); and Adam Vukich, Alexandria, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 4, 2024, as Appl. No. 18/594,850.
Application 18/594,850 is a division of application No. 18/118,826, filed on Mar. 8, 2023, granted, now 11,922,425.
Application 18/118,826 is a division of application No. 15/931,807, filed on May 14, 2020, granted, now 11,605,084, issued on Mar. 14, 2023.
Prior Publication US 2024/0211953 A1, Jun. 27, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); H04W 4/021 (2018.01); H04W 4/029 (2018.01)
CPC G06Q 20/4016 (2013.01) [H04W 4/021 (2013.01); H04W 4/029 (2018.02); G06Q 2240/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An apparatus comprising:
a network interface;
a non-transitory computer-readable medium storing a set of transaction approval rules;
a hardware processor circuit; and
transaction logic executable on the hardware processor circuit and configured to cause the hardware processor circuit to:
periodically receive, at a server and via the network interface, a location of a conveyance associated with a user;
receive, at the server and via the network interface, a request to approve a first transaction received from a transaction system associated with a first merchant at a first location;
whitelist, at the server, a list of merchants with locations associated with the location of the conveyance associated with the user;
determine, at the server, whether the first merchant is whitelisted, wherein the first merchant is whitelisted when the first merchant is included in the list of merchants;
apply, at the server, the set of transaction approval rules to the request to approve the first transaction, wherein when the the first merchant is not whitelisted, more conservative ones of the set of transaction approval rules are applied, wherein when the first merchant is whitelisted, less conservative ones of the set of transaction approval rules are applied, and wherein the more conservative ones of the set of transaction approval rules are more likely than the less conservative ones of the set of transaction approval rules to deny a transaction request or request an express user approval of the transaction request;
approve or deny, at the server, the request to approve the first transaction based on the more conservative ones of the set of transaction approval rules when the first merchant is not whitelisted or the less conservative ones of the set of transaction approval rules when the first merchant is whitelisted; and
send an authorization decision from the server to the transaction system, wherein the authorization decision includes directions to approve or deny the request to approve the first transaction.