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1. WO2019046829 - LOCATION-BASED VERIFICATION FOR PREDICTING USER TRUSTWORTHINESS

Publication Number WO/2019/046829
Publication Date 07.03.2019
International Application No. PCT/US2018/049278
International Filing Date 31.08.2018
IPC
G01S 5/02 2010.01
GPHYSICS
01MEASURING; TESTING
SRADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
5Position-fixing by co-ordinating two or more direction or position-line determinations; Position-fixing by co-ordinating two or more distance determinations
02using radio waves
G01S 19/01 2010.01
GPHYSICS
01MEASURING; TESTING
SRADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
19Satellite radio beacon positioning systems; Determining position, velocity or attitude using signals transmitted by such systems
01Satellite radio beacon positioning systems transmitting time-stamped messages, e.g. GPS , GLONASS or GALILEO
G06F 17/30 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
17Digital computing or data processing equipment or methods, specially adapted for specific functions
30Information retrieval; Database structures therefor
G06F 21/31 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
G06Q 20/32 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
H04W 4/02 2018.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
WWIRELESS COMMUNICATION NETWORKS
4Services specially adapted for wireless communication networks; Facilities therefor
02Services making use of location information
CPC
G06Q 20/3224
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3224Transactions dependent on location of M-devices
G06Q 20/3829
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3829involving key management
G06Q 20/4016
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4016involving fraud or risk level assessment in transaction processing
G06Q 20/405
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
405Establishing or using transaction specific rules
G06Q 40/025
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
025Credit processing or loan processing, e.g. risk analysis for mortgages
G06Q 50/01
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
50Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
01Social networking
Applicants
  • WANG, Kevin, Sunlin [US]/[US]
Inventors
  • WANG, Kevin, Sunlin
Agents
  • MATROSS, Brian, S.
Priority Data
62/553,58101.09.2017US
62/583,30008.11.2017US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) LOCATION-BASED VERIFICATION FOR PREDICTING USER TRUSTWORTHINESS
(FR) VÉRIFICATION FONDÉE SUR L'EMPLACEMENT PERMETTANT UNE PRÉDICTION DE LA FIABILITÉ D'UN UTILISATEUR
Abstract
(EN)
A computer-implemented system and method is provided for predicting user trustworthiness through location-based verification with social networking, and for providing an on-line platform for communicating trustworthiness indicators between different users. The system displays to users, one or more indicators associated with risk levels of other users. The system comprises location identifiers which collect user time and location data to verify the trustworthiness of user transactions. Trustworthiness ratings are established in part by tracking, for particular transactions, time-varying geographic locations of one or more remote computing devices of one or more users associated with the particular transactions and comparing the time-location data for the particular transactions with one or more time-based attributes or location-based attributes of the transactions.
(FR)
L'invention concerne un système et un procédé mis en œuvre par ordinateur permettant de prédire la fiabilité d'un utilisateur par l'intermédiaire d'une vérification fondée sur l'emplacement à l'aide d'un réseautage social, et permettant de fournir une plateforme en ligne permettant de communiquer des indicateurs de fiabilité entre différents utilisateurs. Le système affiche à des utilisateurs un ou plusieurs indicateurs associés à des niveaux de risque d'autres utilisateurs. Le système comprend des identifiants d'emplacement qui collectent des données temporelles et d'emplacement d'utilisateur afin de vérifier la fiabilité de transactions de l'utilisateur. Des évaluations de fiabilité sont établies en partie par le suivi, pour des transactions particulières, d'emplacements géographiques variant dans le temps d'un ou plusieurs dispositifs informatiques d'un ou plusieurs utilisateurs associés aux transactions particulières et la comparaison des données temporelles-d'emplacement pour les transactions particulières avec un ou plusieurs attributs temporels ou attributs fondés sur l'emplacement des transactions.
Also published as
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