MULTI-DEVICE TRANSACTION VERIFICATION

摘要

When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.

主权项

1. A method comprising:
receiving, by a server computer, device information and a resource provider identifier from a portable communication device of a user, wherein the resource provider identifier was received by the portable communication device from a base station at a resource provider location identified by the resource provider identifier; receiving, by the server computer and from an access device in a transaction, an authorization request message comprising a credential or a token; and analyzing, by the server computer, the authorization request message to determine that the user of the portable communication device is also conducting the transaction at the access device.