A system, method and computer program product is capable of proactive assessment of transactions and communication of alerts based on pre-set rules to increase transaction integrity and mitigate fraud. Unauthorized transactions may be stopped before processing through an account to enhance the security of transactions and decrease fraudulent transactions without the account holder seeing a negative transaction in their account. Chip-enabled cards may be configured to alert account holders of transactions prior to being processed through an account based on pre-set rules stored on the chip or in a remote data store. The transaction can be stopped until the account holder authorizes the transaction based on the alert. The alert can be sent through the merchant system or wirelessly from the chip-enabled card.