Non-intrusive geo-location determination associated with transaction authorization

A method for non-intrusive geo location determination for transaction authorization, whereby at least one processor enables authorization of at least one transaction associated with a user, based on at least determining a congruence of a user location and a transaction location, without retrieving geographic location coordinates from a user device, whereby the at least one processor enables automatic and real time utilization of one or more payment credentials applicable for a transaction initiated by a user, the method comprising:

• establishing, by the at least one processor, an operative communication link between a point of sale terminal associated with a merchant and the user device comprising a mobile wallet application;
• receiving, by the at least one processor, an indication that the user has initiated a transaction;
• retrieving, by the at least one processor, transaction information associated with the initiated transaction, wherein the transaction information comprises one or more transaction parameters, the one or more transaction parameters comprising a geographic location and a transaction amount;
• implementing, by the at least one processor, non-intrusive geo location determination for authenticating the at least one transaction, comprising transmitting one or more polar queries related to the at least one transaction structured such that the one or more polar queries can be answered, automatically by the user device, in affirmative or in negative and validating the transaction based on (i) a polar query reply received from the user device in affirmative or in negative and (ii) without retrieving geographic location coordinates of the user device;
• determining, by the at least one processor, one or more payment credentials stored in a mobile wallet application of the user device applicable to process the transaction based on analyzing at least the transaction information, the one or more payment credentials being associated with the user, wherein each of the one or more payment credentials are associated with at least one correlated transaction parameter of the one or more transaction parameters;
• initiating, by the at least one processor, automatically, a presentation of a graphical user interface for display on the user device, wherein the graphical user interface comprises the one or more payment credentials applicable to process the transaction, wherein initiating the presentation of the graphical user interface comprises:
• in response to determining that the mobile wallet application is turned off or is running in the background on the user device, transmitting an activation control signal to the user device to cause the mobile wallet application to present the graphical user interface, in real time via a network;
• receiving, by the at least one processor, via the graphical user interface, a user selection of at least one payment credential from the one or more payment credentials determined to be applicable to process the transaction;
• and
• transmitting, by the at least one processor, via the established operative communication link between the point of sale terminal and the user device, the at least one payment credential to the point of sale terminal;
• wherein, the transmitted at least one payment credential is configured to enable an external system to process the transaction based on the at least one correlated transaction parameter.

A computer program product for non-intrusive geo location determination for transaction authorization, whereby the computer program product enables authorization of at least one transaction associated with a user, based on at least determining a congruence of a user location and a transaction location, without retrieving geographic location coordinates from a user device, whereby the computer program product enables automatic and real time utilization of one or more payment credentials applicable for a transaction initiated by a user, the computer program product comprising a non-transitory computer-readable medium comprising code that when executed causes a first apparatus to:

• establish an operative communication link between a point of sale terminal associated with a merchant and the user device comprising a mobile wallet application;
• receive an indication that the user has initiated a transaction;
• retrieve transaction information associated with the initiated transaction, wherein the transaction information comprises one or more transaction parameters, the one or more transaction parameters comprising a geographic location and a transaction amount;
• implement non-intrusive geo location determination for authenticating the at least one transaction, comprising transmitting one or more polar queries related to the at least one transaction structured such that the one or more polar queries can be answered, automatically by the user device, in affirmative or in negative and validating the transaction based on (i) a polar query reply received from the user device in affirmative or in negative and (ii) without retrieving geographic location coordinates of the user device;
• determine one or more payment credentials stored in a mobile wallet application of the user device applicable to process the transaction based on analyzing at least the transaction information, the one or more payment credentials being associated with the user, wherein each of the one or more payment credentials are associated with at least one correlated transaction parameter of the one or more transaction parameters;
• initiate, automatically, a presentation of a graphical user interface for display on the user device, wherein the graphical user interface comprises the one or more payment credentials applicable to process the transaction, wherein initiating the presentation of the graphical user interface comprises:
• in response to determining that the mobile wallet application is turned off or is running in the background on the user device, transmitting an activation control signal to the user device to cause the mobile wallet application to present the graphical user interface, in real time via a network;
• receive via the graphical user interface, a user selection of at least one payment credential from the one or more payment credentials determined to be applicable to process the transaction;
• and
• transmit via the established operative communication link between the point of sale terminal and the user device, the at least one payment credential to the point of sale terminal;
• wherein, the transmitted at least one payment credential is configured to enable an external system to process the transaction based on the at least one correlated transaction parameter.