FRAUD DETECTION SYSTEM
First Claim
1. A fraud detection system, comprising:
- a fraud database including at least one payment account associated with at least one user device;
a system provider device coupled to a network and the fraud database, wherein the system provider device is operable to;
receive a first location data over the network, wherein the first location data is associated with a payment request made using a first payment account from the at least one payment account in the fraud database;
retrieve a second location data over the network from a first user device of the at least one user device that is associated with the first payment account in the fraud database; and
determine that the first location data corresponds to a first location that is not within a predetermined distance of a second location corresponding to the second location data and, in response, deny the payment request.
2 Assignments
0 Petitions
Accused Products
Abstract
A fraud detection system includes a fraud database associating at least one payment account with at least one user device. A system provider device in the fraud detection system is coupled to a network and the fraud database. The system provider device is operable to receive first location data over the network. The first location data is associated with a payment request made using a first payment account from the at least one payment account in the fraud database. The system provider device will then retrieve second location data over the network from a first user device that is associated with the first payment account in the fraud database, determine that the first location data corresponds to a first location that is not within a predetermined distance of a second location corresponding to the second location data, and send a payment authorization request to the first user device.
148 Citations
20 Claims
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1. A fraud detection system, comprising:
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a fraud database including at least one payment account associated with at least one user device; a system provider device coupled to a network and the fraud database, wherein the system provider device is operable to; receive a first location data over the network, wherein the first location data is associated with a payment request made using a first payment account from the at least one payment account in the fraud database; retrieve a second location data over the network from a first user device of the at least one user device that is associated with the first payment account in the fraud database; and determine that the first location data corresponds to a first location that is not within a predetermined distance of a second location corresponding to the second location data and, in response, deny the payment request. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for detecting fraud, comprising:
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associating at least one payment account with at least one user device in a fraud database; receiving a first location data over a network, wherein the first location data is associated with a payment request made using a first payment account from the at least one payment account in the fraud database; retrieving a second location data over the network from a first user device of the at least one user device that is associated with the first payment account in the fraud database; and determining that the first location data corresponds to a first location that is not within a predetermined distance of a second location corresponding to the second location data and, in response, denying the payment request. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:
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associating at least one payment account with at least one user device in a fraud database; receiving a first location data over a network, wherein the first location data is associated with a payment request made using a first payment account from the at least one payment account in the fraud database; retrieving a second location data over the network from a first user device of the at least one user device that is associated with the first payment account in the fraud database; and determining that the first location data corresponds to a first location that is not within a predetermined distance of a second location corresponding to the second location data and, in response, denying the payment request. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification