Patent ID: 11922425
Assignee: CAPITAL ONE SERVICES, LLC
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:
receive, at a payment server, a drop-off location and a drop-off time for the user;
determine, at the payment server, a radius around the drop-off location corresponding to an estimated distance that the user could travel from the drop-off location since the drop-off time;
receive, at the payment server, a request to conduct a sale with a credit account associated with the user, wherein the request to conduct the sale is received from a transaction system associated with a first merchant;
whitelist, at the payment server, a list of merchants within the radius around the drop-off location;
determine, at the payment server, whether the first merchant is whitelisted, wherein the first merchant is whitelisted when the first merchant is included in the list of merchants;
apply, at the payment server, one or more fraud detection rules to the sale, wherein when the first merchant is not whitelisted, then a more stringent set of the one or more fraud detection rules is applied, and wherein when the first merchant is whitelisted, then a less stringent set of the one or more fraud detection rules is applied;
approve or deny, at the payment server, the sale between the user and the first merchant based on the more stringent set of the one or more fraud rules when the first merchant is not whitelisted or the less stringent set of the one or more fraud rules when the first merchant is whitelisted; and
send an authorization decision from the payment server to the transaction system, wherein the authorization decision includes directions to approve or deny the transaction between the user and the first merchant.