Patent ID: 8001049

Claim:
A computer-implemented method comprising: executing, on a processor of a user device, a local contextual indicator application, wherein said executing includes: obtaining, by said executing local contextual indicator application, contextual data associated with a location of a user of the user device from at least one contextual data source accessible by said executing local contextual indicator application; obtaining expected location contextual data associated with said user, said expected location contextual data including at least one of an expected physical location of said user and an expected location time period associated with said expected physical location; generating, by said executing local contextual indicator application, at least one contextual indicator associated with a location of said user based on at least a portion of said contextual data; and providing, by said executing local contextual indicator application, said at least one contextual indicator to a relying party at a specified frequency without first receiving a request from the at least one relying party for the at least one contextual indicator, wherein the at least one relying party is an anti-fraud system, and further wherein said at least one contextual indicator is for use by said anti-fraud system in determining whether a transaction associated with said user is fraudulent.