Detecting device presence indication

1. A system comprising:

one or more processors of a payment service system, the one or more processors configured by executable instructions to perform operations including:

receiving, by the one or more processors of the payment service system, an indication of an initiation of a financial transaction at a point-of-sale (POS) device associated with a merchant, the received indication including transaction information identifying a payment instrument offered as payment for at least a portion of the financial transaction;

based at least on the transaction information identifying the payment instrument, determining a mobile device associated with the payment instrument;

transmitting, by the one or more processors of the payment service system and to the mobile device associated with the payment instrument, a request for the mobile device to monitor for one or more signals of one or more other devices, respectively, within a proximity of the mobile device;

receiving, by the one or more processors of the payment service system and from the mobile device, signal information related to monitoring for the one or more signals of the one or more other devices, respectively, within the proximity of the mobile device;

comparing, by the one or more processors of the payment service system, the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies a threshold for a presence indication that indicates a presence of at least one of: the payment instrument, or a user associated with the payment instrument; and

sending, by the one or more processors of the payment service system, based at least on whether the threshold for the presence indication is satisfied, one of:

an instruction to process the financial transaction; or

an instruction to decline the financial transaction.

2. The system as recited in claim 1 , wherein the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a communication signal detected by the mobile device from another device associated with the user associated with the payment instrument associated with the mobile device.

3. The system as recited in claim 1 , wherein the operation of comparing the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication further comprises:

determining that the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a received signal of another device; and

comparing at least one parameter of the received signal of the other device with at least one parameter of one or more previously received signals of other devices received in association with the mobile device in the past.

4. The system as recited in claim 1 , wherein the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a signal detected by the mobile device from the payment instrument.

5. The system as recited in claim 1 , wherein the operation of comparing the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication further comprises:

receiving geographic coordinates of the mobile device determined by the mobile device based on a satellite positioning system; and

comparing the geographic coordinates with a location of the POS device associated with the merchant.

6. The system as recited in claim 1 , the operations further comprising dynamically generating a transaction rate for processing the payment for the financial transaction, wherein the transaction rate is based at least in part on whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication.

7. The system as recited in claim 1 , the operations further comprising, based at least on determining that the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, does not satisfy the threshold for the presence indication, sending a communication to at least one of the mobile device, the POS device, or a computing device associated with a financial institution associated with the payment instrument, the communication including an indication of an alert related to the financial transaction.

8. A method comprising:

receiving, by a payment service system, an indication of an initiation of a transaction at a merchant device, the indication including transaction information indicative of a payment instrument associated with the transaction;

based at least on the transaction information indicative of the payment instrument, determining a mobile device associated with the payment instrument;

transmitting, by the payment service system and to the mobile device associated with the payment instrument, a request for the mobile device to monitor for one or more signals of one or more other devices, respectively, within a proximity of the mobile device;

receiving, by the payment service system and from the mobile device, signal information related to monitoring for the one or more signals of the one or more other devices, respectively, within the proximity of the mobile device;

comparing, by the payment service system, the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies a threshold for a presence indication that indicates a presence of at least one of: the payment instrument, or a user associated with the payment instrument; and

performing, by the payment service system, at least one action based at least on whether the threshold for the presence indication is satisfied.

9. The method as recited in claim 8 , wherein the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a communication signal detected by the mobile device from another device associated with the user associated with the payment instrument associated with the mobile device.

10. The method as recited in claim 8 , wherein the comparing the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication further comprises:

determining that the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a received signal of another device; and

comparing at least one parameter of the received signal of the other device with at least one parameter of one or more previously received signals of other devices received in association with the mobile device in the past.

11. The method as recited in claim 8 , wherein the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a signal detected by the mobile device from the payment instrument.

12. The method as recited in claim 8 , wherein the comparing the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication further comprises:

receiving geographic coordinates of the mobile device determined by the mobile device based on a satellite positioning system; and

comparing the geographic coordinates with a location of the merchant device.

13. The method as recited in claim 8 , further comprising dynamically generating a transaction rate for processing the payment instrument for the transaction, wherein the transaction rate is based at least in part on whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication.

14. The method as recited in claim 8 , wherein, based at least on determining that the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, does not satisfy the threshold for the presence indication, the at least one action comprises sending a communication to at least one of the mobile device, the merchant device, or a computing device associated with a financial institution associated with the payment instrument, the communication including an indication of an alert related to the financial transaction.

15. One or more non-transitory computer-readable media maintaining instructions executable by one or more processors of a payment service system to configure the one or more processors to perform operations comprising:

receiving, by the one or more processors of the payment service system, an indication of an initiation of a transaction at a merchant device, the indication including transaction information indicative of a payment instrument associated with the transaction;

based at least on the transaction information indicative of the payment instrument, determining a mobile device associated with the payment instrument;

transmitting, by the one or more processors of the payment service system, and to the mobile device associated with the payment instrument, a request for the mobile device to monitor for one or more signals of one or more other devices, respectively, within a proximity of the mobile device;

receiving, by the one or more processors of the payment service system, and from the mobile device, signal information related to monitoring for the one or more signals of the one or more other devices, respectively, within the proximity of the mobile device;

comparing, by the one or more processors of the payment service system, the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies a threshold for a presence indication that indicates a presence of at least one of: the payment instrument, or a user associated with the payment instrument; and

performing, by the one or more processors of the payment service system, at least one action based at least on whether the threshold for the presence indication is satisfied.

16. The one or more non-transitory computer-readable media as recited in claim 15 , wherein the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a communication signal detected by the mobile device from another device associated with the user associated with the payment instrument associated with the mobile device.

17. The one or more non-transitory computer-readable media as recited in claim 15 , wherein the operation of comparing the received signal information with signal information previously received for one or more previous transactions to determine whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication further comprises:

determining that the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a received signal of another device; and

comparing at least one parameter of the received signal of the other device with at least one parameter of one or more previously received signals of other devices received in association with the mobile device in the past.

18. The one or more non-transitory computer-readable media as recited in claim 15 , wherein the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, includes a signal detected by the mobile device from the payment instrument.

19. The one or more non-transitory computer-readable media as recited in claim 15 , the operations further comprising dynamically generating a transaction rate for processing the payment instrument for the transaction, wherein the transaction rate is based at least in part on whether the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, satisfies the threshold for the presence indication.

20. The one or more non-transitory computer-readable media as recited in claim 15 , wherein, based at least on determining that the received signal information related to the monitoring for the one or more signals of the one or more other devices, respectively, does not satisfy the threshold for the presence indication, the at least one action comprises sending a communication to at least one of the mobile device, the merchant device, or a computing device associated with a financial institution associated with the payment instrument, the communication including an indication of an alert related to the financial transaction.