Location-Based Authentication of Online Transactions Using Mobile Device
First Claim
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1. A method, comprising:
- receiving first data from a computing device, the first data identifying a user;
determining a location of the computing device;
based on the identity of the user, determining a first mobile device different from the computing device;
determining a location of the first mobile device;
comparing the location of the first mobile device with the location of the computing device; and
sending second data to the computing device, wherein content of the second data depends upon a result of the comparison.
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Abstract
Systems, methods, and software for implementing location-based authentication of both online and mobile web-based transactions. This implementation may involve verifying whether a mobile device (such as a cellular telephone) is proximate to a computer from which the transaction is being performed. Depending upon the location of the mobile device, further transactions may be approved or rejected. In further implementations, the transactions may be made from the mobile device itself. In this case, the location of the mobile device compared with one or more pre-stored locations may affect whether further transactions from the mobile device are approved or rejected.
146 Citations
25 Claims
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1. A method, comprising:
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receiving first data from a computing device, the first data identifying a user; determining a location of the computing device; based on the identity of the user, determining a first mobile device different from the computing device; determining a location of the first mobile device; comparing the location of the first mobile device with the location of the computing device; and sending second data to the computing device, wherein content of the second data depends upon a result of the comparison. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-readable medium storing computer-executable instructions for performing a method, the method comprising:
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receiving first data from a computing device, the first data identifying a user; determining a location of the computing device based on an Internet Protocol (IP) address of the computing device; based on the identity of the user, determining a first mobile device different from the computing device; determining a location of the first mobile device; and comparing the location of the first mobile device with the location of the computing device. - View Dependent Claims (13, 14, 15)
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16. A system, comprising:
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a computer-readable medium storing first data representing a plurality of users and a plurality of mobile devices, the data being organized such that each of the users is associated with at least one of the mobile devices; and a first computing device configured to; receive second data from a second computing device, the second data identifying a first user of the plurality of users, determine a location of the second computing device based on an Internet Protocol (IP) address of the second computing device, determine from the first data a first mobile device, of the plurality of mobile devices, that is associated with the first user, the first mobile device being different from the second computing device, determine a location of the first mobile device, and compare the location of the first mobile device with the location of the second computing device. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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23. A system, comprising:
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means for storing first data representing a plurality of users and a plurality of mobile devices, the data being organized such that each of the users is associated with at least one of the mobile devices; means for receiving second data from a computing device, the second data identifying a first user of the plurality of users; means for determining a location of the computing device based on an Internet Protocol (IP) address of the computing device; means for determining from the first data a first mobile device, of the plurality of mobile devices, that is associated with the first user, the first mobile device being different from the computing device; means for determining a location of the first mobile device; and means for comparing the location of the first mobile device with the location of the computing device.
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24. A method, comprising:
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receiving from a computing device a request for a financial transaction; determining a location of the computing device based on an Internet Protocol (IP) address of the computing device; determining a location of a mobile device different from the computing device; comparing the location of the mobile device with the location of the computing device; and either approving or rejecting the financial transaction depending upon an outcome of the comparison.
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25. A method, comprising:
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receiving first data from a computing device, the first data identifying a user; determining a location of the computing device based on an Internet Protocol (IP) address of the computing device; based on the identity of the user, determining a first mobile device different from the computing device; and sending second data to the computing device, wherein content of the second data depends upon a proximity of the first mobile device to the computing device.
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Specification