Jennifer M Rosa

US Patent:

20170004499, Jan 5, 2017

Filed:

Jul 2, 2015

Appl. No.:

14/790282

Inventors:

- Purchase NY, US
Karen RANDELL - O'Fallon MO, US
Jennifer ROSA - Moscow Mills MO, US
Vandana GUPTA - Chesterfield MO, US
Corey HIVELY - O'Fallon MO, US
Navjot Singh SIDHU - Ardsley NY, US

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

International Classification:

G06Q 20/40
G06Q 20/32

Abstract:

A method for using mobile device roaming data to determine consumer geolocation for use in authorization decisions includes: storing an account profile, the profile including data related to a transaction account associated with a cardholder including an account identifier and geographic location; receiving a location notification, the notification including the account identifier and an updated geographic location of the cardholder, the updated geographic location being identified based on roaming data associated with a mobile communication device associated with the cardholder; receiving an authorization request associated with a payment transaction, the authorization request being a transaction message formatted based on associated standards and including the account identifier, transaction data, and a transaction location; determining an authorization decision for the payment transaction based on a correspondence between the updated geographic location and the transaction location; and forwarding the received authorization request and the determined authorization decision.