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MOBILE COMMUNICATIONS MESSAGE VERIFICATION OF FINANCIAL TRANSACTIONS

  • US 20120131121A1
  • Filed: 07/30/2010
  • Published: 05/24/2012
  • Est. Priority Date: 07/31/2009
  • Status: Active Grant
First Claim
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1. A method of verifying a transaction comprising:

  • receiving a transaction verification request at a computerized mobile identity verification system, the transaction verification request including a wireless device ID and a transaction location;

    evaluating the transaction with the mobile identity verification system based on the wireless device ID and the transaction location to generate a first verification value;

    determining whether the first verification value meets a predetermined criterion;

    sending a transaction verification message to the wireless device associated with the wireless device ID based on the determination of whether the first verification value met the predetermined criterion;

    receiving a message response from a wireless device associated with the wireless device ID at the mobile identity verification system;

    re-evaluating the transaction with the mobile identity verification system based on the message response to generate a second verification value;

    electronically sending the second verification value to a transaction processor; and

    performing an action based on the second verification value.

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