Geotagged image for checking validity of purchase transaction

A method for performing a transaction using a user device, comprising:

• receiving from the user device, by one or more processors of a service provider, transaction information transmitted from the user device for a purchase transaction involving the user at a point of sale (POS), the transaction information comprising:
• an image of a payment instrument captured at the POS;
• a location of the payment instrument at a time of capture;
• and
• a location of the user device at a time of receipt of the transaction information;
• determining, by the one or more processors, a validity of the payment instrument via information on the payment instrument included in the image;
• assessing, by the one or more processors, a validity of the purchase transaction via a match between the location of the payment instrument and the location of the user device;
• and
• determining, by the one or more processors, the validity of the purchase transaction.

A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors of a server, are adapted to cause the server to perform a method comprising:

• receiving transaction information transmitted from a user device for a purchase transaction involving the user at a point of sale (POS), the transaction information comprising:
• an image of a payment instrument captured at the POS;
• a location of the payment instrument at a time of capture;
• and
• a location of the user device at a time of receipt of the transaction information;
• determining a validity of the payment instrument via information on the payment instrument included in the image;
• assessing a validity of the purchase transaction via a match between the location of the payment instrument and the location of the user device;
• and
• determining the validity of the purchase transaction.