US 11,741,454 B2
Systems and methods to generate a location dependent alert in a mobile device of a user
Lavanya Kumaraguruparan, Sunnyvale, CA (US); and William Warren Ringer, El Granada, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on May 11, 2022, as Appl. No. 17/741,681.
Application 17/741,681 is a continuation of application No. 16/751,679, filed on Jan. 24, 2020, granted, now 11,354,644.
Application 16/751,679 is a continuation of application No. 16/218,818, filed on Dec. 13, 2018, granted, now 10,579,986, issued on Mar. 3, 2020.
Application 16/218,818 is a continuation of application No. 15/147,559, filed on May 5, 2016, granted, now 10,185,948, issued on Jan. 22, 2019.
Claims priority of provisional application 62/157,793, filed on May 6, 2015.
Prior Publication US 2022/0270071 A1, Aug. 25, 2022
Int. Cl. G06Q 20/32 (2012.01); H04W 4/02 (2018.01); G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); H04W 4/029 (2018.01); H04W 4/80 (2018.01); G06Q 20/40 (2012.01); H04W 84/12 (2009.01)
CPC G06Q 20/3224 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/227 (2013.01); G06Q 20/405 (2013.01); H04W 4/023 (2013.01); H04W 4/029 (2018.02); H04W 4/80 (2018.02); H04M 2203/105 (2013.01); H04M 2242/14 (2013.01); H04M 2250/10 (2013.01); H04W 84/12 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
at least one processor programmed or configured to:
receive a location of a mobile device;
predict that a payment transaction is to be made involving a transaction terminal based on the location of the mobile device, wherein, when predicting that the payment transaction is to be made involving the transaction terminal, the at least one processor is programmed or configured to:
identify a distance between the location of the mobile device and a location of the transaction terminal;
compare the distance between the location of the mobile device and the location of the transaction terminal to a predetermined distance;
determine that the mobile device is within the predetermined distance of the location of the transaction terminal;
determine a time period during which the location of the mobile device has been within the predetermined distance of the location of the transaction terminal;
compare the time period during which the location of the mobile device has been within the predetermined distance of the location of the transaction terminal to a threshold of time;
determine that the time period during which the location of the mobile device has been within the predetermined distance of the location of the transaction terminal satisfies the threshold of time; and
predict that the payment transaction is to be made involving the transaction terminal based on determining that the mobile device is within the predetermined distance of the location of the transaction terminal and determining that the time period during which the location of the mobile device has been within the predetermined distance of the location of the transaction terminal satisfies the threshold of time;
identify an account of a plurality of accounts to be used in the payment transaction based on predicting that the payment transaction is to be made involving the transaction terminal; and
provide an alert identifying the account of the plurality of accounts before the payment transaction is initiated.