Patent ID: 11915225
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method of providing payment to a mobile merchant from a user comprising:
receiving a signal from a mobile computing device registered to the user by a communication system operating a geo-fenced area in the mobile merchant;
in response to the signal from the mobile computing device registered to the user:
dynamically determining, at a machine learning engine that is remote from the communication system and the mobile computing device, transaction analysis data from the signal,
determining, by the machine learning engine, that the transaction analysis data corresponds to the mobile merchant based on historical fraud information on the mobile merchant,
accessing, by a fraud API of the communication system, the machine learning engine, and
configuring, by the fraud API of the communication system, a fraud graphical interface of the communication system to present and apply the transaction analysis data to a service of traveling from a first location to a second location via the mobile merchant;

requesting, by the communication system, a first GPS signal including the first location and a first time, the first location representing a first site that the mobile computing device registered to the user communicated the signal to the communication system operating the geo-fenced area in the mobile merchant at the first time;
determining, by the communication system, that communication of the signal between the mobile computing device registered to the user and the communication system operating the geo-fenced area has stopped;
in response to determining that communication between the mobile computing device registered to the user and the communication system operating the geo-fenced area has stopped, requesting, by the communication system, a second GPS signal including the second location and a second time, the second location representing a second site where wireless communication of the signal between the mobile computing device registered to the user and the communication system operating the geo-fenced area in the mobile merchant ended at the second time;
determining, at a merchant server, a price for the service of traveling from the first location to the second location; and
in response to the first location being substantially similar to a third location and the second location being substantially similar to a fourth location, sending, to the merchant server, an approval of the price for traveling from the first location to the second location for an account of the user, wherein the third location represents a third site of the mobile computing device registered to the user at the first time, and wherein the fourth location represents a fourth site of the mobile computing device registered to the user at the second time.