Visa International Service Association

Microsoft Technology Licensing, LLC

Mary Reeder

Michael F Buhrmann

Charles L Dennis

Frederick Liu

Eden Smith

Joseph Bureau

Jeffrey Brennan

Anu Kumar Pathria

William M Ferguson

Steven A Wickert

A method for authentication using location correlation is disclosed. The method includes determining geographic zones and zone identifiers associated with a location of a mobile communication device. Later, transaction data is received and a zone identifier is determined from that transaction data. If the zone identifier matches one of the previously determined zone identifiers, then a match indicator is sent to an authorizing entity computer system or the transaction may be allowed to proceed.

System and method for correlating diverse location data for data security

A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.

System and method for automated analysis comparing a wireless device location with another geographic location

Systems and methods for verifying a distant-from-home financial transaction related to a customer account based on travel indicators in earlier purchase transactions made by that customer.

System and method for financial transaction authentication using travel information

A billing system for on-line computer networks is disclosed. Customers of the on-line system are billed in their own currency for billable events which are generated. Billable events can include access to premium services, file downloads or gateway connections to other systems. Real-time processing of billable events allows the system to post charges to a customer's on-line charge statement quickly following generation of the billable event.

Billing system for a network

Growing community of inventors

Seattle, WA, United States of America

Mary Reeder