US 12,470,937 B2
Proximity-based validation techniques
Nithin Shakthidhar B G, Bangalore (IN); Shashanka Arnady, Bangalore (IN); and Sreeharsha Rangarajan, Bangalore (IN)
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Jul. 12, 2023, as Appl. No. 18/351,148.
Prior Publication US 2025/0024266 A1, Jan. 16, 2025
Int. Cl. H04W 12/63 (2021.01); H04L 9/40 (2022.01); H04W 12/02 (2009.01); H04W 12/06 (2021.01); H04W 12/08 (2021.01); H04W 4/02 (2018.01); H04W 4/80 (2018.01)
CPC H04W 12/63 (2021.01) [H04L 63/08 (2013.01); H04W 12/02 (2013.01); H04W 12/06 (2013.01); H04W 12/08 (2013.01); H04W 4/023 (2013.01); H04W 4/80 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, by a server computer from a resource provider device, transaction data for a transaction, a first set of wireless communication signals available to the resource provider device, a second set of wireless communication signals available to the resource provider device, and a sound level detected by the resource provider device;
retrieving, by the server computer from a user device, a first set of wireless communication signals available to the user device, a second set of wireless communication signals available to the user device, and a sound level detected by the user device;
computing, by the server computer, a score based on the first set of wireless communication signals available to the resource provider device, the second set of wireless communication signals available to the resource provider device, the sound level detected by the resource provider device, the first set of wireless communication signals available to the user device, the second set of wireless communication signals available to the user device, and the sound level detected by the user device, wherein the score indicates a proximity of the resource provider device and the user device; and
transmitting, by the server computer to an authorization computer, the transaction data and the score, thereby causing the transaction to be processed or terminated based on the transaction data and the score.