Pre-designated Fraud Safe Zones

A method of exempting one or more transactions from a transaction hold, comprising:

• generating, by a computing system, one or pre-defined rules that exempt transactions from a transaction hold by learning, by a machine learning module, a pattern of user transactions via historical transaction data associated with a user;
• receiving, by the computing system, a verification request from a server of a third party merchant for a transaction associated with a compromised account, the verification request comprising one or more characteristics associated with the transaction;
• comparing, by the computing system, the one or more characteristics to one or more pre-defined rules;
• determining, by the computing system, that at least one rule of the one or more pre-defined rules applies;
• and
• based on the determination, verifying, by the computing system, the transaction.

A system, comprising:

• a processor;
• and
• a memory having programming instructions stored thereon, which, when executed by the processor, performs an operation, comprising:
• generating one or more pre-defined rules that exempt transactions from a transaction hold by learning, by a machine learning module, a pattern of user transactions via historical information associated with a compromised account;
• receiving a verification request from a server of a third party merchant for a transaction associated with the compromised account, the verification request comprising one or more characteristics associated with the transaction;
• comparing, by the computing system, the one or more characteristics to the one or more pre-defined rules that exempt transactions from the transaction hold associated with the compromised account;
• determining that at least one rule of the one or more pre-defined rules applies;
• and
• based on the determination, verifying, by the computing system, the transaction with the server of the third party merchant.