Stephen lives in Pittsburgh, and has an upcoming trip to Thailand. He wants to notify his issuer of his travel plans to help ensure he is not falsely declined when making a purchase transaction abroad. He calls his issuer’s call center and tells the customer service representative the dates and destinations he will be traveling to, as well as which of his cards he plans to use. The customer service representative inputs Stephen’s travel details to their call center user interface or Visa Online portal to submit Stephen’s travel details to Visa so the travel itinerary can be stored for reference while he is in Thailand.
Stephen lands in Thailand and uses one of his Visa cards to makes a purchase. Visa receives the authorization request from the merchant, matches the location of the merchant to the location on his stored itinerary, and sends the issuer a confirmation match in the authorization message in real-time. His issuer sees that this purchase is outside of Stephen’s typical location, but uses this travel information in real-time to have more confidence authorizing the purchase.