Bank of America Corporation
INTELLIGENT GEOSPATIAL GRID ENGINE AND WARNING SYSTEM

Abstract:

An apparatus receives a transaction request comprising a pair of latitude and longitude coordinates for where a transaction is being attempted by a user. The apparatus determines that the latitude and longitude coordinates from the transaction request are outside of a first region comprising a first plurality of points and outside of a second region comprising a second plurality of points. The points in the first and second regions comprise latitude and longitude coordinates for a location where a user visited. The second region does not overlap the first region. The apparatus tags the transaction request as anomalous. The apparatus generates an alert requesting that the user confirm whether the second transaction should be authenticated. The apparatus also transmits the alert to a first user device identified in a user account profile.