Method and system for mobile identity verification and security
A system and method for mobile identify identification and security over a communications network is provided. The system and method include validation processes which provide for an increasing level of intrusion and/or user interaction.
1 . A method for mobile identity verification and security, comprising
initializing a user profile, wherein said initializing step includes
receiving initial user identification information,
authenticating a user identity based on said initial user identification information,
binding a mobile user communications device with the user profile and obtaining a mobile user communications device identification information,
receiving service provider parameters from a service provider, said service provider parameters including location based services parameters,
and receiving service provider information;
receiving a request for user access to services of a service provider, and
validating said request for access,
wherein said validating step includes at least one validation process selected from the group of validation processes comprising
validating a user identity with a personalized challenge question,
validating a user identity with a knowledge-based authentication question,
validating a user identity with device identification information, and
validating the request for user access to services of a service provider with at least one of said service provider parameters, and
wherein said at least one validation process is presented in a hierarchal order.