Method and system for monitoring electronic purchases and cash-withdrawals

Abstract

A method for facilitating the detection of misuse of an identity during an electronic transaction. The invention comprises at least five embodiments. In a first embodiment, the method comprises the step of: receiving a notification to authenticate the use of an identity at a first location, wherein the identity is associated with a first wireless terminal; determining an approximate location of the first wireless terminal based on cached position information, the approximate location of the first wireless terminal being a second location; determining whether the first and second locations match in geographical proximity; and generating an alert if the first and second locations do not match in geographical proximity. In a second embodiment, an approximate location of the first wireless terminal is determined based on cached position information stored on a GPS position database. Methods of geo-locating a wireless terminal user are within the scope of the present invention.

1 ) A method for identifying an internet user's geographical location comprising the steps of:
 a) detecting a wireless terminal unique ID;   b) geographically locating the wireless terminal using at least one of:
 i) WiFi; 
 ii) WiMax; 
 iii) GPS; 
 iv) cell-phone signal triangulation; and 
 v) cell tower ID; and 
   c) associating the location of the wireless terminal with such internet user.   
   
   
       2 ) A method for identifying an internet user's geographical location comprising the step of geo-locating a internet user by identifying a unique ID associated with a position of such internet user's mobile terminal. 
   
   
       3 ) The method for identifying internet user geographical location of  claim 2 , wherein the unique ID comprises at least one of:
 a) WiFi;   b) WiMax;   c) GPS;   d) cell-phone signal triangulation; and   e) Mac Address.   
   
   
       4 ) A method for identifying internet user geographical location at a location having a wireless terminal, the method comprising the steps of:
 a) detecting a unique ID of the wireless terminal;   b) associating the unique ID with the position of the first wireless terminal; and   c) associating the position of the first wireless terminal with such internet user.   
   
   
       5 ) The method of  claim 4 , wherein the position of the wireless terminal can be located using a unique ID comprising at least one of:
 a) WiFi;   b) WiMax;   c) GPS;   d) cell-phone signal triangulation; and   e) cell tower ID;   
   
   
       6 ) A method for identifying an internet user's geographical location comprising the step of geo-locating a user's wireless terminal at a first location using a unique ID based on at least one of:
 a) WiFi;   b) WiMax;   c) GPS;   d) cell phone signal triangulation; and   e) cell tower ID.   
   
   
       7 ) A method for identifying an internet user's geographical location comprising the steps of:
 a) detecting a WiFi Unique ID associated with the position of the first wireless terminal;   b) converting the WiFi unique ID into a location for the first wireless terminal; and   c) associating the location for the first wireless terminal with such internet user.   
   
   
       8 ) A method for identifying an internet user's geographical location comprising the steps of:
 a) detecting a WiMax Unique ID associated with the position of the first wireless terminal;   b) converting the WiMax unique ID into a location for the first wireless terminal; and   c) associating the location for the first wireless terminal with such internet user.   
   
   
       9 ) A method for identifying an internet user's geographical location, wherein said internet user is in possession of an operating wireless terminal, the method comprising the steps of detecting a unique wireless terminal identifier of such wireless user's said wireless terminal;
 a) converting the unique wireless terminal identifier into a location for said wireless terminal; and   b) associating the location of said wireless terminal with such internet user.