08-09-2022 дата публикации
Номер: US20220284437A1
Принадлежит:
A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details. 1. A system comprising:one or more processors; and receive, from a point-of-sale (POS) terminal for a transaction, first location data for the POS terminal;', 'receive second location data from a mobile device of an account holder, the second location data indicative of a current location of the mobile device at an approximate time the transaction is initiated;', 'determine that the second location data is outside a first predetermined distance from the first location data;', 'responsive to determining that the second location data is outside the first predetermined distance from the first location data, automatically cause the mobile device to modify a graphical user interface (GUI) to include one or more selectable graphical inputs;', 'responsive to the account holder selecting a first selectable graphical input of the one or more selectable graphical inputs, complete the transaction; and', 'responsive to the account holder selecting a second selectable graphical input of the one or more selectable graphical inputs, deny the transaction., 'a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to2. The system of claim 1 , wherein the instructions are further configured to ...
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