Bank of America Corporation
MULTI-MCC CODE BUNDLE FOR USE IN INCREASING TRAVEL SECURITY

Abstract:

A proxy-based method for improving digital security during a user's travel is provided. The method may include determining a bundle of merchant category classification (MCC) codes. This bundle preferably reflects a baseline travel condition. The baseline travel condition is associated with a user mobile device. The method may also include dynamically updating a characteristic associated with the bundle of MCC codes based on updated travel conditions. The method may also include determining an occurrence of an anomalous user mobile device activity. The determination may be based on a comparison of the updated characteristic associated with the bundle of MCC codes and the baseline travel conditions; and in response to a determination of anomalous user mobile device activity, increasing a security level associated with the mobile device associated with the user.