WIRELESS BEACON DEVICES FOR PREVENTING FRAUD USING LOYALTY INFORMATION FOR A USER

摘要

There are provided systems and methods for wireless beacon devices for preventing fraud using loyalty information for a user. A user may visit a merchant location with a device, such as a communication device, which may be utilized to connect to a wireless beacon at the merchant location. The communication device may provide an identifier for the user and/or communication device when connected with the beacon. A merchant device or server may utilize the identifier to access loyalty account information for the user. Using the loyalty account information, authorizations for the user may be determined. For example, the user may be preauthorized to purchase a certain amount or certain items. The authorization may also determine what identification information is required on checkout of a transaction. Additionally, items in a transaction that the user does not normally purchase may be flagged as suspicious so that additional user authentication is required.

主权项

1. A system comprising:
a loyalty module comprising at least one hardware processor that accesses check-in information comprising an identifier for a user received when a communication device of the user connects to a wireless beacon at a merchant location for a merchant, accesses loyalty account information for the user using the check-in information, and determines a purchase authorization for the user based on the loyalty account information; a database stored to a non-transitory memory that stores the check-in information and the loyalty account information; and a network interface component that receives the check-in information and communicates the purchase authorization to at least one of the communication device and a merchant device at the merchant location.