Enriching transaction request data for maintaining location privacy while improving fraud prevention systems on a data communication network with user controls injected to back-end transaction approval requests in real-time with transactions

Abstract

While mobile device location remains, private, user transaction controls are applied to a specific authorization request. The user transaction controls are pre-configured by the user of the mobile account holder device and identified by the enriched merchant data. Location algorithms predict transaction locations used to obtain enriched merchant data responsive to location privacy mode. Responsive to the user transaction controls, a fraud recommendation response is sent to the approval system, in real time with the transaction. The fraud recommendation response prevents a false negative by using an enriched merchant location rather than the raw merchant location.