Location based fraud reduction system and method

Abstract

Embodiments of the present invention provide for reduction of the likelihood of fraud by having at least one of an identifier of a location from where a request is submitted or information that can lead to identification of the location, submitted with or in addition to a request. Then, determination is made whether to service the request, based at least in part on the location from where the request is submitted or processed. In various embodiments, the location may be compared against predetermined permissible location(s) or a current user location. The request may be a request to conduct a transaction, access data, access a physical or informational resource, or access a secured area.

1 - 20 . (canceled) 
     
     
         21 . A method for detecting fraud in a transaction, the method comprising:
 receiving by a request processor a request for a first entity to conduct a transaction with a second entity, wherein the first entity and the second entity are not present in the same location;   detecting by the request processor a position of a payment device to be used by the first entity to conduct the transaction;   determining by the request processor whether the position corresponds to a permissible or impermissible use area for the first entity to conduct the transaction; and   permitting by the request processor the transaction to continue if it is determined that the position corresponds to a permissible use area.   
     
     
         22 . The method of  claim 21 , further comprising flagging the request as potentially fraudulent if it is determined that the position does not correspond to a permissible use area. 
     
     
         23 . The method of  claim 21 , further comprising denying the request if it is determined that the position corresponds to an impermissible use area. 
     
     
         24 . The method of  claim 21 , wherein detecting by the request processor a position of a payment device to be used by the first entity to conduct the transaction comprises receiving position information wirelessly from the payment device. 
     
     
         25 . The method of  claim 24 , further comprising receiving by the request processor transaction information from the payment device. 
     
     
         26 . The method of  claim 21 , wherein determining by the request processor whether the position corresponds to a permissible or impermissible use area to conduct the transaction comprises comparing by the request processor the detected position of the payment device to a permissible and/or impermissible use area stored in a database accessible by the request processor. 
     
     
         27 . The method of  claim 21 , wherein the payment device is a computing device, a mobile commerce device, a mobile telephone, or a point of sale terminal. 
     
     
         28 . A request processing method with reduced likelihood of fraud, comprising a request processor:
 receiving a request submitted via a device to conduct a transaction, access data, access a physical or informational resource, or access a secured area;   receiving from the device a location identifier indicating a location where the request is submitted or information that can lead to identification of the location where the request is submitted;   determining whether the location corresponds to a permissible or impermissible use area for the first entity to conduct the transaction, access the data, access the physical or informational resource, or access the secured area; and   determining whether to service the request based at least in part on the received location identifier or information and if it is determined that the location corresponds to a permissible use area.   
     
     
         29 . A request processing method with reduced likelihood of fraud, comprising a request processor:
 receiving from a device a first location identifier indicating a first location of the device at a first time;   receiving at a second time a request submitted via the device to conduct a transaction, access data, access a physical or informational resource, or access a secured area;   receiving from the device at the second time a second location identifier indicating a second location of the device at the second time; and   determining whether to service the request based at least in part on whether the second location is permissible based on the device being present at the first location at the first time and being present at the second location at the second time.   
     
     
         30 . The method of  claim 29 , wherein the payment device is a computing device, a mobile commerce device, or a mobile telephone. 
     
     
         31 . The method of  claim 29 , further comprising receiving from the device velocity information indicating a velocity of the device at the first time. 
     
     
         32 . The method of  claim 31 , wherein determining whether to service the request is further based on the indicated velocity. 
     
     
         33 . The method of  claim 29 , wherein determining whether to service the request is further based on a determined velocity of the device. 
     
     
         34 . The method of  claim 29 , wherein determining whether to service the request is further based on one or more qualitative data. 
     
     
         35 . The method of  claim 29 , wherein determining whether to service the request is further based on one or more established time limits. 
     
     
         36 . The method of  claim 29 , wherein determining whether to service the request is further based on one or more established authorization limits. 
     
     
         37 . A request processing method with reduced likelihood of fraud, comprising a request processor:
 receiving from a position sensing device a first location identifier indicating a first location of the position sensing device at a first time;   receiving at a second time a request to conduct a transaction, access data, access a physical or informational resource, or access a secured area via another device associated with the position sensing device;   receiving from the position sensing device at the second time a second location identifier indicating a second location of the position sensing device at the second time; and   determining whether to service the request based at least in part on whether the second location is permissible based on the position sensing device being present at the first location at the first time and being present at the second location at the second time.   
     
     
         38 . The method of  claim 37 , wherein the another device is a credit card, a computing device, a mobile commerce device, or a mobile telephone. 
     
     
         39 . The method of  claim 37 , further comprising receiving from the position sensing device velocity information indicating a velocity of the position sensing device at the first time. 
     
     
         40 . The method of  claim 39 , wherein determining whether to service the request is further based on the indicated velocity. 
     
     
         41 . The method of  claim 37 , wherein determining whether to service the request is further based on a determined velocity of the position sensing device. 
     
     
         42 . The method of  claim 37 , wherein determining whether to service the request is further based on one or more qualitative data. 
     
     
         43 . The method of  claim 37 , wherein determining whether to service the request is further based on one or more established time limits. 
     
     
         44 . The method of  claim 37 , wherein determining whether to service the request is further based on one or more established authorization limits.