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COMPUTER-BASED SYSTEMS HAVING COMPUTING DEVICES PROGRAMMED TO EXECUTE FRAUD DETECTION ROUTINES BASED ON FEATURE SETS ASSOCIATED WITH INPUT FROM PHYSICAL CARDS AND METHODS OF USE THEREOF
COMPUTER-BASED SYSTEMS HAVING COMPUTING DEVICES PROGRAMMED TO EXECUTE FRAUD DETECTION ROUTINES BASED ON FEATURE SETS ASSOCIATED WITH INPUT FROM PHYSICAL CARDS AND METHODS OF USE THEREOF
Systems and methods for performing fraud detection at POA devices based on analysis of feature sets are disclosed. In one embodiment, an exemplary method may comprise: obtaining, by a POS device, upon initiation of a transaction involving a card or a card and mobile device associated with an individual initiating the transaction, one or more sensory inputs and an identifier; mapping, by the POS device, the one or more sensory inputs to a first cluster position of a plurality of clusters; determining whether the cluster position of the cluster mapped for the transaction corresponds to a second cluster position of the at least one expected cluster associated with the known owner of the card and/or mobile device; and initiating, by the POS device, at least one second factor authentication process to establish that the individual is the known owner of the card and/or mobile device being used in the transaction.
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