Store proximity-based system for contactless transactions

A computerized method for authorizing contactless payment card transactions, the method comprising:

• identifying, from a database of historical transactions, a first historical card-present transaction and a second historical card-present transaction occurring within a first time interval using the same payment card, the first historical card-present transaction occurring at a first merchant location, the second historical card-present transaction occurring at a second merchant location;
• performing a proximity analysis by processing timestamps associated with the first historical card-present transaction and the second historical card-present transaction, and location identifiers associated with the first merchant location and the second merchant location;
• creating a merchant proximity pair that includes the first merchant location and the second merchant location based on the proximity analysis;
• receiving, via a payment network, a request to authorize a first card-present payment card transaction using a first payment card at the first merchant location and authorizing the request;
• receiving, via the payment network, from the second merchant location, a payment card authorization request message for a contactless payment card transaction using the first payment card;
• and
• minimizing computational processing load and network traffic on the payment network and eliminating duplicate transaction authorization attempts by authorizing the contactless payment card transaction when the first merchant location and the second merchant location are in the merchant proximity pair, when the contactless payment card transaction occurs within a second time interval of the first card-present payment card transaction, and when the contactless payment card transaction exceeds a soft contactless limit, and avoiding a decline of the contactless payment card transaction.

A computer storage medium having computer-executable instructions that, upon execution by a processor of a computer, cause the processor to at least:

• identify, from a database of historical transactions, a first historical card-present transaction and a second historical card-present transaction occurring within a first time interval using the same payment card, the first historical card-present transaction occurring at a first merchant location, the second historical card-present transaction occurring at a second merchant location;
• perform a proximity analysis by processing timestamps associated with the first historical card-present transaction and the second historical card-present transaction, and location identifiers associated with the first merchant location and the second merchant location;
• create a merchant proximity pair identifying the first merchant location and the second merchant location based on the proximity analysis identifying;
• receive, via a payment network, a request to authorize a first card-present payment card transaction using a first payment card at the first merchant location;
• receive, via a payment network, from the second merchant location, a payment card authorization request message for a contactless payment card transaction using the first payment card;
• and
• minimize computational processing load and network traffic on the payment network and eliminate duplicate transaction authorization attempts by authorizing the contactless payment card transaction when the contactless payment card transaction exceeds a soft contactless limit, based on the first merchant location and the second merchant location being in the merchant proximity pair and based on the contactless payment card transaction occurring within a second time interval of the first card-present payment card transaction, thereby avoiding a decline of the contactless payment card transaction.