The present invention provides a method and system which facilitates easy and smooth detection of available one or more Point-of-sale (POS) terminals automatically at a merchant's site when a user desires to use a user device in order to pay for services/goods availed by the user device. The present invention provides a scalable, easy to use, seamless, and an efficient method to detect the POS terminals over a Wi-Fi network available to the user equipment. Information corresponding to the detected and available POS terminals are presented on the user device so that the user may easily select an appropriate POS terminal and may initiate the further payment process. The one or more available POS terminals are detected by the user device with the help of a first server device and a second server device.

Disclosed are a payment service apparatus for providing product information to an offline merchant on the basis of location information and supporting payment processing based on a virtual currency and an operating method thereof. The present invention selects offline merchants positioned within a predetermined distance based on current location information of a user terminal and then selects a merchant that transmits a beacon signal having a maximum strength among beacon signals transmitted by beacons provided in the selected merchants and transmits product information for products being sold in the merchant to the user terminal, and when the information on the virtual currency amount of the one predetermined product together with a payment request for one predetermined product from the user terminal are received, completes transfer processing from an electronic wallet account of a user to the electronic wallet account of the merchant for a virtual currency amount of one predetermined product to support the user to easily purchase the product in the offline merchant.

Various techniques for facilitating communication with and across a network platform and one or more user computing devices are described. For example, these techniques may include (i) generating preference data based on capturing and analyzing user interactions with respect to a set of training photographs, (ii) generating, verifying, and processing search requests to allow users to identify other users and/or target objects on the network platform, and (iii) generating, verifying, and processing link requests to allow users to create links to or associations with other users and/or target objects on the network platform, among others.

A service processing method includes receiving, by a mobile phone, a first identifier from a head device of a vehicle after the head device receives a trigger request to perform a vehicle door opening service, determining, by the mobile phone based on the first identifier, to perform authentication, indicating, by the mobile phone, the head device to perform the vehicle door opening service when the authentication succeeds, or determining, by the mobile phone based on the first identifier, not to perform the authentication, and sending, by the mobile phone, location information of the mobile phone, and an indication that indicating a location of the mobile phone and a location of the head device are normal to the head device.

Various methods, apparatuses, and media for preventing fraud in card or mobile transaction are provided. A fraud prevention application module defines one or more geographical zones where a card or mobile transaction is authorized. Information related to the defined geographical zones are stored onto a memory. A processor is configured to initiate the card or mobile transaction at a point-of-sale (POS) location; determine whether the POS location corresponds to the stored information related to one or more of the defined geographical zones; and authorize the card or mobile transaction based on a determination that the POS location corresponds to the stored information related to the defined one or more geographical zones.

A method is disclosed. The method includes: obtaining, from a management application, a login history including timestamps and internet protocol (IP) addresses corresponding to logins by a user; obtaining coordinates for the IP addresses; determining clusters for the coordinates based on distances between the coordinates; and determining primary locations for the user based on the clusters and the timestamps.

Improved systems and methods for enhancing the performance of network based computerized content rendering and hosting and providing of devices, systems and/or platforms by modifying the capabilities and providing non-native functionality to such devices, systems and/or platforms through a novel and improved application, networked based enforcement of geographical compliance, data processing and networking framework.

Location modeling may be generated for candidate locations based on validated location data. The location models for candidate locations may be based on validated location data associated with wireless access points that is validated using transaction data. Such validation may include comparing an identifier associated with candidate location data received from a client device to an identifier for a transaction account associated with a transaction from transaction data at a candidate location. Matching transaction data and candidate location data may generate validated location data to be used in generating location models for candidate locations.

A system for detecting a fraudulent ATM transaction is disclosed. The system relates to an ATM machine that receives a bank/ATM card from a customer. The ATM first attempts to read information from the card chip, but is unable to do so due to a read error. The ATM then instead reads the information from the magnetic strip, and initiates a fraud detection procedure. In one such procedure, the ATM uses a local wireless access point to detect a customer's device, such as a phone, in the vicinity of the ATM. In another such procedure, the ATM communicates with a backend server. The backend server then determines the location of the customer device either by transmitting a message to request authorization, or by utilizing GPS or other location-detection means on the customer device to determine whether the customer device is within the ATM vicinity.

Systems and methods for authentication and authorization using physical computing cards include receiving from the physical computing card an authorization request, where the request includes a card identifier and an entity location. Authorized users associated with the card identifier are determined. Identifications of users with pending transactions at the entity location are obtained. Verification is performed by determining that there is a match between an identification of a user to an identification of one of the authorized users. The user is then authorized to access resources associated with the physical computing card.