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System and Method for Authenticating Payment Transactions

  • US 20140279523A1
  • Filed: 03/15/2013
  • Published: 09/18/2014
  • Est. Priority Date: 03/15/2013
  • Status: Abandoned Application
First Claim
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1. A method for authorizing a payment transaction initiated on a mobile client device connected to a cellular communication network, the method comprising:

  • at a system having one or more processors and memory storing one or more programs for execution by the one or more processors to perform the method;

    receiving from a mobile client device connected to a cellular communications network a request to authorize a payment transaction initiated on the client device, where the request comprises an IP address associated with a client device and a cellular phone number associated with the client device;

    querying a carrier system associated with the cellular communications network using the cellular phone number associated with the client device;

    receiving a response from the carrier system, wherein the response includes an IP address associated with the client device; and

    at least partially authorizing the payment transaction when the IP address received from the carrier system matches the IP address received from the client device.

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