Credit and debit card transaction approval using location verification

A computer device for processing an internet-based purchase request made by a user of a communications device, the computer device comprising:

• a means for receiving, from the communications device, the purchase request and location information corresponding to location of the communications device, wherein:
• the purchase request includes information about a customer account;
• and
• the location information is independently generated by the communications device;
• a means for comparing the location information to one or more approved locations corresponding to the customer account;
• and
• a means for rejecting the purchase request if the location information does not match any of the one or more approved locations.

A computer-implemented method for making an internet-based purchase request from a user of a communications device, the method comprising:

• (a) transmitting the purchase request to a merchant device via the internet, wherein:
• the purchase request includes information about a customer account issued by a customer account company;
• and
• the merchant device transmits the customer account information to a customer account company device;
• (b) independently generating location information corresponding to location of the communications device;
• and
• (c) transmitting the location information to a location verification device, wherein the location verification device (i) compares the location information to one or more approved locations corresponding to the customer account and (ii) rejects the purchase request, if the location information does not match any of the one or more approved locations.

A communications device for making an internet-based purchase request from a user of the communications device, the communications device adapted to:

• (a) transmit the purchase request to a merchant device via the internet, wherein:
• the purchase request includes information about a customer account issued by a customer account company;
• and
• the merchant device transmits the customer account information to a customer account company device;
• (b) independently generate location information corresponding to location of the communications device;
• and
• (c) transmit the location information to the customer account company device, wherein the customer account company device (i) compares the location information to one or more approved locations corresponding to the customer account and (ii) rejects the purchase request, if the location information does not match any of the one or more approved locations.