Patent ID: 11924646
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 0:
1. A system comprising:
a memory device; and
a processor communicatively coupled to the memory device, the memory device storing computer-executable instructions, that when executed by the processor, cause the processor to perform operations comprising:
receiving, from a mobile device of a consumer, a Wi-Fi network risk assessment request, the Wi-Fi network risk assessment request associated with a Wi-Fi network connection of the mobile device;
upon receiving the Wi-Fi network risk assessment request, retrieving a plurality of connection-related data from the mobile device, the connection-related data being associated with the Wi-Fi network connection and one or more other Wi-Fi networks in range of the mobile device;
performing a Wi-Fi risk assessment of the Wi-Fi network connection based on the connection-related data;
transmitting a result of the Wi-Fi risk assessment to the mobile device for presentation via a user interface of the mobile device;
transmitting the result of the Wi-Fi risk assessment to an issuer server, the issuer server being associated with a payment account of the consumer;
based on the result exceeding a predetermined threshold value, transmitting a step-up authentication alert to the issuer server;
determining that the consumer has selected to initiate a payment transaction via the mobile device; and
before executing the payment transaction, presenting an option to the consumer via the user interface of the mobile device, to allow the consumer to initiate the Wi-Fi network risk assessment request,

wherein presenting the option to the consumer comprises presenting a CHECK icon via the user interface of the mobile device, the CHECK icon being presented in one or more of the following: a transaction screen of a digital wallet application executing on the mobile device or via a payment transaction webpage displayed on the user interface of the mobile device,
wherein receiving the Wi-Fi network risk assessment request comprises receiving the Wi-Fi network risk assessment request in response to a selection of the CHECK icon on the mobile device.