SYSTEMS AND METHODS FOR PROVIDING MERCHANT FRAUD ALERTS

摘要

Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

主权项

1. A mobile communications device, comprising:
a memory storing software instructions; and one or more processors configured to execute the software instructions to perform operations including:
obtaining first information indicative of one or more prior instances of fraudulent activity involving a merchant;determining a risk level associated with a merchant based the obtained first information, the risk level being indicative of a probability of future instances of fraudulent activity involving the merchant;identifying one or more payment instruments based on the determined risk level, the identified payment instruments being appropriate for a financial services transaction involving the merchant; andpresenting, to a user via a corresponding interface, a notification comprising at least a portion of the identified payment instruments.