Providing account usage fraud protection

A system for predicting fraudulent identification usage, comprising:

• a fraud protection service server communicatively connected to a trusted telephone network;
• means for detecting a context for a use of an identification via a communication line at said fraud protection service server;
• means for analyzing said context for use of said identification in view of a plurality of entries for use of said identification;
• and
• means for specifying a level of suspicion of fraudulent use of said identification according to said analysis of said context.

A computer program product for predicting fraudulent identification usage, comprising:

• a recording medium;
• means, recorded on said recording medium, for detecting a context for a use of an identification via a communication line;
• means, recorded on said recording medium, for analyzing said context for use of said identification in view of a plurality of entries for use of said identification;
• and
• means, recorded on said recording medium, for specifying a level of suspicion of fraudulent use of said identification according to said analysis of said context.

A method for protecting credit card account usage, comprising:

• detecting a location for a request for a charge to a credit card account via a communication line at a fraud protection service;
• and
• comparing said location with a recent location detected for a individual associated with said credit card account;
• and
• responsive to detecting infeasibility of presence by said individual at said location and said recent location within a measured lapsed period of time, only allowing said charge to said credit card if additional authentication by said individual is provided.

A system for protecting credit card account usage, comprising:

• a fraud protection service server communicatively connected to a network;
• means for detecting a location for a request for a charge to a credit card account via a communication line at said fraud protection service server;
• and
• means for comparing said location with a recent location detected for a individual associated with said credit card account;
• and
• means responsive to detecting infeasibility of presence by said individual at said location and said recent location within a measured lapsed period of time, for only allowing said charge to said credit card if additional authentication by said individual is provided.

A computer program product for protecting credit card account usage, comprising:

• a recording medium;
• means, recorded on said recording medium, for detecting a location for a request for a charge to a credit card account via a communication line;
• and
• means, recorded on said recording medium, for comparing said location with a recent location detected for a individual associated with said credit card account;
• and
• means, recorded on said recording medium, for only allowing said charge to said credit card if additional authentication by said individual is provided where said presence of said individual at said location is detected to be infeasible.