Systems and methods for proximity-based transaction limit threshold override
A method may include receiving, using a processing unit at a service endpoint, from a first computing device a request to initiate a transfer from a first account to a second account, the request identifying a transfer amount; determining, using the processing unit, that the transfer amount exceeds a stored threshold transfer limit; receiving an identifier associated with the second account; subsequent to the determining, receiving, using the processing unit, an indication that a geographic location override action has been completed between the first computing device and a second computing device, the second computing device stored as associated with the second account; and in response to receiving the indication, increasing the threshold transfer limit between the first computing device and second computing device for a period of time and authorizing the transfer.
1 . A method comprising:
receiving from a first computing device, using a processing unit at a service endpoint, a request to initiate a transfer from a first account to a second account, the request identifying a transfer amount;
determining, using the processing unit, that the transfer amount exceeds a stored threshold transfer limit;
receiving an identifier associated with the second account;
subsequent to the determining, receiving, using the processing unit, an indication that a geographic location override action has been completed between the first computing device and a second computing device, the second computing device linked as associated with the second account; and
in response to receiving the indication, increasing the threshold transfer limit between the first computing device and second computing device for a period of time and authorizing the transfer.
2 . The method of claim 1 , wherein the identifier associated with the second account is a user identifier token.
3 . The method of claim 2 , wherein receiving the indication that the geographic location override action has been completed includes:
receiving the user identifier token from the first computing device.
4 . The method of claim 1 , further comprising:
presenting a message on the first computing device identifying the geographic location override action to complete.
5 . The method of claim 1 , wherein increasing the threshold transfer limit between the first computing device and the second computing device for the period of time comprises:
storing an override entry in a data store identifying the first account and the second account and a duration of the period of time.
6 . The method of claim 1 , further comprising:
confirming a distance between a location of the first computing device and a location of second computing device is less than a threshold distance.
7 . The method of claim 6 , wherein the confirming is based on receiving an indication the first computing device and the second computing device communicated with each other using a near field communication protocol.
8 . The method of claim 6 , wherein confirming the distance includes:
receiving the location of the first computing device; and
receiving the location of the second computing device.
9 . A non-transitory computer-readable medium comprising instructions, which when executed by a processing unit, configure the processing unit to perform operations comprising:
receiving from a first computing device, at a service endpoint, a request to initiate a transfer from a first account to a second account, the request identifying a transfer amount;
determining that the transfer amount exceeds a stored threshold transfer limit;
receiving an identifier associated with the second account;
subsequent to the determining, receiving an indication that a geographic location override action has been completed between the first computing device and a second computing device, the second computing device linked as associated with the second account; and
in response to receiving the indication, increasing the threshold transfer limit between the first computing device and second computing device for a period of time and authorizing the transfer.
10 . The non-transitory computer-readable medium of claim 9 , wherein the identifier associated with the second account is a user identifier token.
11 . The non-transitory computer-readable medium of claim 10 , wherein receiving the indication that the geographic location override action has been completed includes:
receiving the user identifier token from the first computing device.
12 . The non-transitory computer-readable medium of claim 9 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising:
presenting a message on the first computing device identifying the geographic location override action to complete.
13 . The non-transitory computer-readable medium of claim 9 , wherein increasing the threshold transfer limit between the first computing device and the second computing device for the period of time comprises:
storing an override entry in a data store identifying the first account and the second account and a duration of the period of time.
14 . The non-transitory computer-readable medium of claim 9 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising:
confirming a distance between a location of the first computing device and a location of second computing device is less than a threshold distance.
15 . The non-transitory computer-readable medium of claim 14 , wherein the confirming is based on receiving an indication the first computing device and the second computing device communicated with each other using a near field communication protocol.
16 . The non-transitory computer-readable medium of claim 14 , wherein confirming the distance includes:
receiving the location of the first computing device; and
receiving the location of the second computing device.
17 . A system comprising:
a processing unit; and
a storage device comprising instructions, which when executed by the processing unit, configure the processing unit to perform operations comprising:
receiving from a first computing device, at a service endpoint, a request to initiate a transfer from a first account to a second account, the request identifying a transfer amount;
determining that the transfer amount exceeds a stored threshold transfer limit;
receiving an identifier associated with the second account;
subsequent to the determining, receiving an indication that a geographic location override action has been completed between the first computing device and a second computing device, the second computing device linked as associated with the second account; and
in response to receiving the indication, increasing the threshold transfer limit between the first computing device and second computing device for a period of time and authorizing the transfer.
18 . The system of claim 17 , wherein the identifier associated with the second account is a user identifier token.
19 . The system of claim 18 , wherein receiving the indication that the geographic location override action has been completed includes:
receiving the user identifier token from the first computing device.
20 . The system of claim 17 , wherein the instructions, which when executed by the processing unit, further configure the processing unit to perform operations comprising:
presenting a message on the first computing device identifying the geographic location override action to complete.