公开(公告)号：US20150088751A1

公开(公告)日：2015-03-26

申请号：US14558986

申请日：2014-12-03

Applicant: BANK OF AMERICA CORPORATION

Inventor： David M. Grigg ,  Matthew A. Calman ,  Marc I. Warshawsky ,  Raja Bose

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/4016 ,  G06Q40/00

Abstract: Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location.

Abstract translation: 本发明的实施例提供了用户位置验证的盗用保护。 所述方法，装置和计算机程序产品至少部分地基于确定与与交易相关联的账户持有者相关联的移动设备位于距与所述交易相关联的位置在预定距离内的方式来批准交易。 在移动设备位于与交易相关联的位置之外的预定距离之外的一些示例实施方式中，接收与之前批准的交易相关联的信息，并且至少部分地基于事先批准的交易已经发生在同一事件的确定 位置。