Internet of things (IoT) based proximity verification for unauthorized transaction prevention

A computer system comprising one or more processors, one or more computer-readable memories, one or more computer-readable storage devices, and program instructions, stored on at least one of the one or more storage devices for execution by at least one of the one or more processors via at least one of the one or more memories, the stored program instructions comprising:

• program instructions to, responsive to receiving a second verification record of a second location and a second time at which a user is verified as present at the second location by a second internet of things (IoT) device based on biometric input recognition performed by a second IoT service to the second IoT device, maintain the second verification record in a user location database in association with a user identifier for the user only if travel between the second location and a first location previously recorded at a first time prior to the second time is feasible as determined by a mapping service, the second IoT device for performing another service using a biometric input separate from generating and transmitting the verification record based on the biometric input;
• and
• program instructions to, responsive to receiving a verification request for verifying feasibility of the proximity of an authorized user of an account identifier at a third location of a point of service at which the account identifier is presented at a third time with a transaction request and detecting the second verification record is maintained, verify the feasibility of the proximity of the authorized user as present at the third location in view of the second location and second time reported by the second IoT device in the second verification record.

A computer program product comprises a computer readable storage medium having program instructions embodied therewith, wherein the computer readable storage medium is not a transitory signal per se, the program instructions executable by a computer to cause the computer to:

• responsive to receiving a second verification record of a second location and a second time at which a user is verified as present at the second location by a second internet of things (IoT) device based on biometric input recognition performed by a second IoT service to the second IoT device, maintain, by a computer, the second verification record in a user location database in association with a user identifier for the user only if travel between the second location and a first location previously recorded at a first time prior to the second time is feasible as determined by a mapping service, the second IoT device for performing another service using a biometric input separate from generating and transmitting the verification record based on the biometric input;
• and
• responsive to receiving a verification request for verifying feasibility of the proximity of an authorized user of an account identifier at a third location of a point of service at which the account identifier is presented at a third time with a transaction request and detecting the second verification record is maintained, verify, by the computer, the feasibility of the proximity of the authorized user as present at the third location in view of the second location and second time reported by the second IoT device in the second verification record.