Importance

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Abstract

Systems and methods are disclosed for providing fraud protection for purchases of goods and/or services. Embodiments of the fraud protection systems and methods include communicating with the owner of the financial account offered to pay for the goods and/or services during the purchase approval process to obtain authorization for the purchase from the payment account owner. Other embodiments include sending text messages to the account owner's wireless telephone to approve purchases made over the internet Still other embodiments include sending encrypted messages to the payment account owner, while other embodiments include receiving encrypted messages from the payment account owner. Further embodiment include evaluating whether an online purchase is being made from an IP address associated with the payment account's owner.

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First Claim