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1. (WO2007004224) IMPROVED LOCATION BASED AUTHENTICATION SYSTEM
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2007/004224 International Application No.: PCT/IL2006/000775
Publication Date: 11.01.2007 International Filing Date: 05.07.2006
IPC:
G06Q 40/00 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Applicants:
MCONFIRM LTD. [IL/IL]; Technology Park Malcha Building 1c 91487 Jerusalem, IL (AllExceptUS)
EDEN, Tomer [IL/IL]; IL (UsOnly)
AVIGAD, Boaz [IL/IL]; IL (UsOnly)
Inventors:
EDEN, Tomer; IL
AVIGAD, Boaz; IL
Agent:
REINHOLD COHN AND PARTNERS; P.o. Box 4060 61040 Tel Aviv, IL
Priority Data:
60/695,89305.07.2005US
60/702,60527.07.2005US
Title (EN) IMPROVED LOCATION BASED AUTHENTICATION SYSTEM
(FR) SYSTEME D'AUTHENTIFICATION AMELIORE BASE SUR LA LOCALISATION
Abstract:
(EN) An improved location based authentication (LBA) system for detecting fraudulent transactions committed by means of misuse of payment cards is disclosed. The improved LBA system performs a series of transaction analysis and generates a fraud-score which provides an indication as whether to authorize an attempted transaction. The system is designed to increase profitability of credit card companies by reducing the accumulated losses due to fraud. In one embodiment, the system detects fraud by analyzing the behavior patterns of card holders and merchants.
(FR) Système d'authentification amélioré basé sur la localisation (LBA) servant à détecter des transactions frauduleuses commises au moyen de cartes de paiement utilisées malhonnêtement. Ce système LBA amélioré exécute une série d'analyses de transaction et génère une évaluation de fraudes indiquant s'il convient d'autoriser une tentative de transaction. Ce système est conçu pour augmenter la rentabilité des sociétés de carte de crédit par réduction des pertes accumulées sous l'effet des fraudes. Dans un mode de réalisation, ce système détecte les fraudes par analyse des configurations comportementales des détenteurs de carte et des commerçants.
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Designated States: AE, AG, AL, AM, AT, AU, AZ, BA, BB, BG, BR, BW, BY, BZ, CA, CH, CN, CO, CR, CU, CZ, DE, DK, DM, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LV, LY, MA, MD, MG, MK, MN, MW, MX, MZ, NA, NG, NI, NO, NZ, OM, PG, PH, PL, PT, RO, RS, RU, SC, SD, SE, SG, SK, SL, SM, SY, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HU, IE, IS, IT, LT, LU, LV, MC, NL, PL, PT, RO, SE, SI, SK, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
US20080222038