PROVIDING CUSTOMER ALERTS BASED ON GEO-THRESHOLDS

摘要

Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether a geographic location associated with a transaction is geographically located within geo-thresholds associated with an authorized user and/or whether the geographic location associated with the transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, an alert is sent to the authorized user and/or to a merchant associated with the transaction.

主权项

1. A system for protecting against an unauthorized transaction, comprising:
a computing device comprising a memory and at least one processor; and an unauthorized-transaction protection application stored in the memory, executable by the processor, and configured to:
establish geo-thresholds associated with an authorized user;receive a set of information associated with a transaction associated with the authorized user and with a merchant, wherein the set of information associated with the transaction comprises an identification of a geographic location associated with the transaction;receive a set of geographic location information associated with a mobile device, wherein the mobile device is associated with the authorized user associated with the transaction;determine whether the geographic location associated with the transaction is geographically located within the geo-thresholds and/or whether the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device; andif neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, send an alert to the authorized user and/or to the merchant.