Fraud alerting using mobile phone location

1. A method, comprising:

receiving, at a computer system from a first seller device subsequent to creation of a movement over time model, a payment request to conduct a payment transaction with a first user,

wherein the movement over time model was built using a plurality of locations of a plurality of user mobile phone devices, wherein the plurality of locations were detected via a plurality of wireless transmission interfaces at a plurality of different times on a plurality of different days;

responsive to receiving the payment request, the computer system determining that a current location of a first mobile device associated with the first user cannot be detected;

based on determining that the current location of the first mobile device cannot be detected, the computer system using the movement over time model to determine a predicted location for the first mobile device, wherein determining the predicted location for the first mobile device is based on inputting a last known location of the first mobile device into the movement over time model;

determining a location of the first seller device;

determining a distance between the location of the first seller device and the predicted location of the first mobile device; and

the computer system generating alert information if the distance exceeds a specified distance threshold.

2. The method of claim 1 , further comprising:

transmitting the alert information to a different computer system.

3. The method of claim 2 , wherein the different computer system is the first mobile device, and wherein the method further comprises:

causing the payment transaction to be approved or denied based on a response to the alert information transmitted to the first mobile device.

4. The method of claim 2 , wherein the different computer system corresponds to a funding source for the payment transaction.

5. The method of claim 1 , wherein determining the location of the first seller device is based on an Internet Protocol (IP) address for the first seller device.

6. The method of claim 1 , wherein determining that the current location of the first mobile device cannot be detected comprises attempting and failing to locate the first mobile device via a Global Positioning System (GPS) device.

7. The method of claim 1 , wherein determining that the current location of the first mobile device cannot be detected comprises attempting and failing to locate the first mobile device via a cellular phone network configured to establish wireless communications with a plurality of mobile devices including the first mobile device.

8. The method of claim 1 , wherein determining the predicted location for the first mobile device is based on a direction of travel associated with a last known location of the first mobile device, and wherein the direction of travel is inputted into the movement over time model.

9. A computer system, comprising:

a processor; and

a non-transitory computer-readable medium having stored thereon instructions executable to cause the computer system to perform operations comprising:

receiving, from a first seller device subsequent to creation of a movement over time model, a payment request to conduct a payment transaction with a first user,

wherein the movement over time model was built using a plurality of locations of a plurality of user mobile phone devices, wherein the plurality of locations were detected via a plurality of wireless transmission interfaces at a plurality of different times on a plurality of different days;

responsive to receiving the payment request, determining that a current location of a first mobile device associated with the first user cannot be detected;

based on determining that the current location of the first mobile device cannot be detected, using the movement over time model to determine a predicted location for the first mobile device, wherein determining the predicted location for the first mobile device is based on inputting a last known location of the first mobile device into the movement over time model;

determining a location of the first seller device;

determining a distance between the location of the first seller device and the predicted location of the first mobile device; and

generating alert information if the distance exceeds a specified distance threshold.

10. The computer system of claim 9 , wherein the operations further comprise:

based on the alert information, causing the payment request to be declined.

11. The computer system of claim 9 , wherein the predicted location comprises determining a predicted location area.

12. The computer system of claim 11 , wherein determining the distance between the location of the first seller device and the predicted location comprises determining a distance between the location of the first seller device and the predicted location area.

13. The computer system of claim 9 , wherein determining that the current location of the first mobile device cannot be detected comprises attempting and failing to locate the first mobile device via a Global Positioning System (GPS) device.

14. The computer system of claim 9 , wherein determining the predicted location for the first mobile device is based on a direction of travel associated with a last known location of the first mobile device, and wherein the direction of travel is inputted into the movement over time model.

15. A non-transitory computer-readable medium having stored thereon instructions that are executable by a computer system to cause the computer system to perform operations comprising:

receiving, from a first seller device subsequent to creation of a movement over time model, a payment request to conduct a payment transaction with a first user,

wherein the movement over time model was built using a plurality of locations of a plurality of user mobile phone devices, wherein the plurality of locations were detected via a plurality of wireless transmission interfaces at a plurality of different times on a plurality of different days;

responsive to receiving the payment request, determining that a current location of a first mobile device associated with the first user cannot be detected;

based on determining that the current location of the first mobile device cannot be detected, using the movement over time model to determine a predicted location for the first mobile device, wherein determining the predicted location for the first mobile device is based on inputting a last known location of the first mobile device into the movement over time model;

determining a location of the first seller device;

determining a distance between the location of the first seller device and the predicted location of the first mobile device; and

generating alert information if the distance exceeds a specified distance threshold.

16. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

transmitting the alert information to a different computer system.

17. The non-transitory computer-readable medium of claim 16 , wherein the different computer system is the first mobile device, and wherein the operations further comprise:

causing the payment transaction to be approved or denied based on a response to the alert information transmitted to the first mobile device.

18. The non-transitory computer-readable medium of claim 16 , wherein the different computer system corresponds to a funding source for the payment transaction.

19. The non-transitory computer-readable medium of claim 15 , wherein determining that the current location of the first mobile device cannot be detected comprises attempting and failing to locate the first mobile device via a Global Positioning System (GPS) device.

20. The non-transitory computer-readable medium of claim 15 , wherein determining the predicted location for the first mobile device is based on a direction of travel associated with a last known location of the first mobile device, and wherein the direction of travel is inputted into the movement over time model.