Localized account freeze for fraudulent transactions

1. A method performed by at least one processor for locally freezing a user account in a geographic or digital space when a fraudulent transaction is detected, the method comprising:

receiving fraud data associated with the user account, the fraud data including a location where a fraud associated with the user account has occurred, wherein the fraud location comprises at least one of a digital location or a geographical location;

receiving account data associated with the user account, the account data including non-fraudulent account transaction information;

generating a pattern of fraud based on the fraud data;

generating a pattern of use associated with the user account based on the account data;

determining one or more additional user accounts associated with the user account:

determining a geodigital area for a localized account freeze based on the pattern of fraud or the pattern of use; and

performing a localized account freeze on the user account based on the determined geodigital area; and

performing a localized account freeze in geodigital space on the one or more additional user accounts based on the determined geodigital area.

2. The method of claim 1 , wherein the fraud data also comprises at least one previously stored pattern of fraud.

3. The method of claim 1 , wherein the determined geodigital area for the localized account freeze comprises a geographical area.

4. The method of claim 1 , wherein the determined geodigital area for the localized account freeze comprises one or more websites.

5. The method of claim 1 , wherein the account data comprises relational data associated with other user accounts.

6. The method of claim 3 , wherein determining the geographical area for the localized account freeze comprises determining a square mile radius around the geographical location of the fraud for the localized account freeze.

7. The method of claim 4 , wherein determining the geodigital area for the localized account freeze comprises determining one or more websites associated with the fraud data.

8. The method of claim 1 , wherein the generating the pattern of fraud includes analyzing the fraud data using a machine learning model to determine the pattern of fraud.

9. The method of claim 8 , wherein the machine learning model is an unsupervised clustering machine learning model.

10. The method of claim 8 , wherein the machine learning model is a supervised classification machine learning model.

11. A system for locally freezing a user account in a geographic or digital space comprising:

at least one processor; and

at least one non-transitory computer readable medium containing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations comprising:

receiving fraud data associated with the user account, the fraud data including a location where a fraud associated with the user account has occurred, wherein the fraud location comprises at least one of a digital location or a geographical location;

receiving account data associated with the user account, the account data including non-fraudulent account transaction information;

generating a pattern of fraud based on the fraud data;

generating a pattern of use associated with the user account based on the account data;

determining one or more additional user accounts associated with the user account;

determining a geodigital area for a localized account freeze based on the pattern of fraud or the pattern of use; and

performing a localized account freeze on the user account based on the determined geodigital area; and

performing a localized account freeze in geodigital space on the one or more additional user accounts based on the determined geodigital area.

12. The system of claim 11 , wherein the fraud data also comprises at least one previously stored pattern of fraud.

13. The system of claim 11 , wherein the determined geodigital area for the localized account freeze comprises a geographical area.

14. The system of claim 11 , wherein determining the geodigital area for the localized account freeze comprises determining one or more websites associated with the fraud data, and wherein the determined geodigital area for the localized account freeze comprises the determined one or more websites.

15. The system of claim 11 , wherein the account data comprises relational data associated with other user accounts.

16. The system of claim 13 , wherein determining the geographical area for a localized account freeze comprises determining a square mile radius around the geographical location of the fraud for the localized account freeze.

17. The system of claim 14 , wherein generating the pattern of fraud includes analyzing the fraud data using an unsupervised clustering machine learning model to determine the pattern of fraud.

18. An authorization server comprising:

at least one processor; and

at least one non-transitory computer readable medium containing instructions that, when executed by the at least one processor, cause the authorization server to perform operations comprising:

receiving fraud data associated with a user account, the fraud data including a location where a fraud associated with the user account has occurred, wherein the fraud location comprises at least one of a digital location or a geographical location;

receiving account data associated with the user account, the account data including non-fraudulent account transaction information;

generating a pattern of fraud based on the fraud data;

generating a pattern of use associated with the user account based on the account data;

determining one or more additional user accounts associated with the user account;

determining a geodigital area for a localized account freeze based on the pattern of fraud or the pattern of use;

providing the geodigital area for a localized account freeze to a system; and

providing a localized account freeze for the one or more additional user accounts based on the determined geodigital area.