GEOTAGGED IMAGE FOR CHECKING VALIDITY OF PURCHASE TRANSACTION

摘要

A service provider receives, from a merchant device, a geotagged image of a payment instrument, such as a credit card, provided to the merchant by a buyer for payment. It first determines the validity of the payment instrument using the captured image and then assesses the validity of the claimed purchase transaction by comparing the GPS data in the geotagged image, representing the geotagging location, with a separately transmitted GPS data, representing the location of transmitting the geotagged image. For further assessment, it may further compare the time of geotagging the image with the time of transmitting the image. The service provider then determines on the overall validity of the claimed purchase transaction based on the determination on the validity of the payment instrument and the assessment results, and if it determines the purchase transaction is valid, processes requested payment to the merchant's account.

主权项

1. A system comprising:
a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to perform operations comprising
receiving an image of a payment instrument for a user, wherein the image comprises metadata for the image;determining a geo-location of a user device for the user at a first time associated with capture of the image;determining a second time associated with use of the image as the payment instrument;determining that a difference between the second time and the first time matches a predetermined time difference value for allowable use of the payment instrument based on the metadata and the second time; andassessing a validity of the use of the image as the payment instrument based on the metadata for the image and the geo-location.