Patent
Reported location correction system
| العنوان: | Reported location correction system |
|---|---|
| Patent Number: | 10565,573 |
| تاريخ النشر: | February 18, 2020 |
| Appl. No: | 15/150982 |
| Application Filed: | May 10, 2016 |
| مستخلص: | In one embodiment, the location or zip code of purchasers in a card present electronic transaction may be reviewed and compared to the reported location or zip code of a merchant. If the difference or variance from the customer zip code or location to the customer location or zip code is over a threshold, the merchant is indicating as requiring additional attention. |
| Inventors: | Fomitchev, Alexei (Foster City, CA, US); Epelman, Aleksander (Foster City, CA, US); Kayton, Nelli (Foster City, CA, US); Pulikara, Suresh (Foster City, CA, US); Joshi, Mahesh (Foster City, CA, US); Wu, John (Foster City, CA, US); Lu, Xiaoxu (Foster City, CA, US) |
| Assignees: | VISA INTERNATIONAL SERVICE ASSOCIATION (San Francisco, CA, US) |
| Claim: | 1. A computer system for determining a location of point of sale comprising: a collection server which is physically configured to, for a plurality of electronic transactions at a plurality of merchants, collect a plurality of card present frequently shopped zip codes for a plurality of personal account numbers wherein each of the plurality of merchants includes a reported zip code indicating a location of each of the plurality of merchants, and at least one of the plurality of card present frequently shopped zip codes matches at least one of the reported zip codes; an analysis server which is physically configured to analyze the reported zip code for each of the plurality of merchants for transactions at a specific merchant location; a determination server which is physically configured to determine if a variance in the plurality of card present frequently shopped zip codes for a personal account number (PAN) of the plurality of personal account numbers and the reported zip code for a merchant of the plurality of merchants is above a threshold; and a communication server which, in response to the variance being over a threshold, is physically configured to create an alert indicating that the location of a merchant of the plurality of merchants does not match a card present frequently shopped zip code; wherein determining if the variance is over a threshold further comprises determining the weighted Gaussian Entropy (WGE) according to the formula: k 2(1+ln(2π))+½ ln |Σ|, wherein k denotes dimension, |Σ| denotes determinant of covariance matrix, and wherein a bivariate Gaussian distribution represents distribution of latitude and longitude of the card present frequently shopped zip codes. |
| Patent References Cited: | 9280774 March 2016 Choudhuri 2004/0128256 July 2004 Krouse 2009/0228365 September 2009 Tomchek 2011/0161233 June 2011 Tieken 2012/0330788 December 2012 Hanson 2013/0151358 June 2013 Ramalingam 2013/0268340 October 2013 Colon 2014/0129288 May 2014 Eager 2015/0066746 March 2015 Nichols 2016/0098702 April 2016 Marshall 2016/0140562 May 2016 Birukov 2016/0171476 June 2016 Guan 2017/0228635 August 2017 Diev 2017/0345004 November 2017 Cowan 2017/0364916 December 2017 Nidamanuri 2018/0053190 February 2018 Gurunathan |
| Assistant Examiner: | Ortiz Roman, Denisse Y |
| Primary Examiner: | Chein, Allen C |
| Attorney, Agent or Firm: | Loeb & Loeb LLP |
| رقم الانضمام: | edspgr.10565573 |
| قاعدة البيانات: | USPTO Patent Grants |
| الوصف غير متاح. |