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CREDIT CARD PAIRED WITH LOCATION IDENTIFIABLE DEVICE FOR POINT OF SERVICE FRAUD DETECTION

  • US 20090327135A1
  • Filed: 06/26/2009
  • Published: 12/31/2009
  • Est. Priority Date: 06/26/2008
  • Status: Abandoned Application
First Claim
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1. An apparatus for identifying attempted fraud using a consumer account in real time, the apparatus comprising:

  • a processor;

    a computer-readable medium comprising computer-executable code, the code comprising instructions to direct the processor to perform the steps of;

    determining when a consumer account is used to attempt to obtain a resource from a resource provider;

    determining whether a first consumer apparatus that is associated with the consumer account is located at an authorized location; and

    indicating to the resource provider that the resource provider should provide the resource when the consumer apparatus is at the authorized location;

    wherein the authorized location is a location proximate to a second consumer apparatus that is associated with the first consumer apparatus.

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