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Mobile pin pad

  • US 8,555,355 B2
  • Filed: 12/07/2010
  • Issued: 10/08/2013
  • Est. Priority Date: 12/07/2010
  • Status: Active Grant
First Claim
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1. A method comprising:

  • generating, by a server device, a message based on an authentication request for a transaction, wherein the authentication request comprises first location information;

    transmitting, by the server device, the message to a remote device based on the authentication request, wherein the message prompts a pin pad application;

    receiving, by the server device, a message response from the remote device, wherein the message response comprises a first one time password (OTP) generated by the pin pad application of the remote device, and second location information;

    validating, by the server device, the first OTP;

    generating, by the server device, a success authentication response when the validating of the first OTP is successful, where the success authentication response comprises an approval of the transaction;

    calculating, by the server device, a risk score for the transaction based on the first and second location information; and

    transmitting, by the server device, the success authentication response and the risk score.

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