US Patent 12118581 Location-based transaction fraud mitigation methods and systems

Methods and systems of mitigating fraud in location-based transactions are disclosed. At least a location attribute related to a virtual coupon is derived from a digital representation of a real-world scene captured at least in part by a mobile device. At least one virtual coupon is generated based on at least the location attribute, wherein the virtual coupon is related to a purchasable item associated with the real-world scene. A user is enabled to select a target account from a display of the mobile device from a plurality of available on-line user accounts. The transaction is authenticated as a function of the one or more object attributes, including the location attribute, and the user selected target account, and enabled with the target account according to the one or more terms of the virtual coupon and the location attribute.