METHOD AND SYSTEM FOR REAL TIME FRAUD DECISIONING IN TRANSACTION PROCESSING

A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user- defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by the user device, the user-provided authentication data. Also disclosed is a computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message by replacing the fraud-related decline code with a hold code; generating, based upon the detection of the fraud-related decline code, at least one authentication request message configured to prompt at least one of a point of sale device and a user mobile device that authentication data is to be input by a user; transmitting, by a transmitting device and to the point of sale device, the updated electronic transaction message; and transmitting, by the transmitting device and to at least one of the point of sale device and a user mobile device, the at least one authentication request message. L'invention concerne un procédé mis en œuvre par ordinateur pour une vérification d'activité frauduleuse en temps réel, lequel procédé consiste : à afficher, sur un dispositif d'utilisateur, une première notification qui guide l'entrée dans une zone géographique sélectionnée par l'utilisateur, la zone géographique sélectionnée par l'utilisateur définissant une région valide pour le traitement de tr