US 9,811,830 B2
Method, medium, and system for online fraud prevention based on user physical location data
Mathew Cowan, New York, NY (US)
Assigned to GOOGLE INC., Mountain View, CA (US)
Filed by GOOGLE INC., Mountain View, CA (US)
Filed on Jul. 3, 2013, as Appl. No. 13/935,400.
Prior Publication US 2016/0140561 A1, May 19, 2016
Int. Cl. G06Q 30/00 (2012.01); G06Q 20/40 (2012.01); G06Q 20/12 (2012.01); G06Q 20/20 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/20 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A computer-implemented method to reduce fraud in online transactions by correlating shopping behaviors of users in physical merchant locations with product identification information associated with products being purchased in the online transactions, comprising:
calculating a location history of a user computing device associated with a user based on a location determining function of the user computing device;
logging, by one or more computing devices, the location history of the user computing device, the location history comprising physical merchant locations visited by the user computing device;
associating, by the one or more computing devices, user activity data comprising the logged location history of the user computing device with a record for the user;
receiving, by the one or more computing devices, a request from an online merchant computing system, wherein the request identifies a product for a transaction involving an account of the user and provides information sufficient to identify the record of the user;
determining, by the one or more computing devices, one or more physical merchant locations at which the product may be purchased;
identifying, by the one or more computing devices, the record of the user based on the information in the request;
comparing, by the one or more computing devices, the one or more physical merchant locations visited by the user in the logged location history of the user with the one or more physical merchant locations at which the product may be purchased;
determining, by the one or more computing devices, based on the comparison, that one or more particular physical merchant locations logged in the location history of the user is a match of one or more physical merchant locations at which the product may be purchased;
determining, by the one or more computing devices, a risk indicator for the transaction based on the match of the one or more particular physical merchant locations logged in the location history of the user to the one or more physical merchant locations at which the product may be purchased, wherein the determined risk indicator is lower based on the presence of one or more matches between the particular physical merchant locations logged in the location history of the user and the one or more physical merchant locations at which the product may be purchased, and wherein a lower risk indicator is associated with a transaction that has a lower risk of fraud and a higher risk indicator is associated with a transaction that has a higher risk of fraud;
calculating, by the one or more computing devices, a risk score for the transaction based on the determined risk indicator, the risk score being indicative if the transaction is likely to be fraudulent; and
communicating, by the one or more computing devices, the risk score to the merchant computing system.