20120310836 | LOCATION BASED AUTHENTICATION SYSTEM - A method for determining a fraud score associated with a monetary transaction facilitated using a payment card in a store is disclosed. The method comprises receiving data representative of an incoming payment transaction; analyzing a location of an owner of the payment card and a location of the store for determining a location rating; analyzing a location behavior profile (LBP) related to the payment card for determining a behavior rating, wherein the analysis is based in part on the incoming payment transaction; computing a transaction rating using the location rating and the behavior rating in combination with a first weight factor; analyzing historical payment transactions related to the payment card for determining a card rating; and computing the fraud-score using the transaction rating and the card rating in combination with a second weight factor. | 12-06-2012 |