Electronic commerce fraud mitigation in a wireless communication network

摘要

A mobile communication device. The device comprises a cellular radio transceiver, a short range radio transceiver, a processor, a memory, and an electronic commerce mobile application stored in the memory. When executed by the processor, the electronic commerce mobile application determines an inventory of mobile applications of the device, transmits the inventory via one of the radio transceivers to a security server application executing on a computer system external to the mobile communication device, and detects when the device enters a retail store associated with the electronic commerce mobile application. The electronic commerce mobile application further, responsive to detecting entrance to the retail store, transmits a request for a security risk score to the security server application executing on the computer system external to the device, and implements an escalated level of security check during a payment transaction conducted based on a received security risk score exceeding a predefined threshold.