FRAUD PREVENTION USING PRE-PURCHASE MOBILE APPLICATION CHECK-IN
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United States of America Patent
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Issued Date -
Apr 7, 2016
app pub date -
Oct 3, 2014
filing date -
Oct 3, 2014
priority date (Note) -
Published
status (Latency Note)
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Abstract
The current location of a consumer can be determined and compared to the location of a merchant requesting approval of a credit card or debit card transaction. If the consumer is not at same location as the merchant, the payment can be declined. If the consumer is at the same location, the payment can be approved or declined according to normal rules. The current location of the consumer can be determined by having the consumer check in upon arrival at a store or shopping center by using an application running on the user's phone, tablet, or other mobile device. The location of the merchant can be determined based on information associated with the payment request. If the two locations match, the payment request is likely to come from the consumer.
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