Carla lives in San Francisco, but travels internationally on occasion. Carla wants to make sure her issuer knows about her travel to help ensure she is not falsely declined when making a purchase transaction abroad. Carla sees the ability to share her geolocation with her issuer as part of her issuer’s mobile app experience. Carla opts in to the service and her mobile device begins sharing location updates with her Visa.
When Carla makes a trip to Dubai, her phone sends an update with her new location upon arrival. When Carla makes a purchase in Dubai, Visa includes an indicator in the authorization message letting the issuer know that Carla’s phone is in the same place as this transaction. The issuer sees that the purchase is outside of Carla’s typical spend pattern, but uses this additional geolocation information to authorize this purchase.