System for determining a time zone difference between a user's computer and an ISP server

1. A computer-readable medium residing on a website server containing program instructions to determine a difference in a time zone of a user's computer accessing the Internet through an Internet Service Provider (“ISP”) server and the time zone of the ISP server comprising:

computer code on the website server that captures from a clock of the user's computer the user's time zone;

computer code on the website server to obtain a location of the ISP server and determine a time zone of the ISP server using the location of the ISP server;

computer code on the website server for calculating a difference in the time zone of the user's computer and the time zone of the ISP server to determine a delta time zone number; and

computer code on the website server to report the delta time zone number for determining potential fraudulent activity.

2. The computer-readable medium of claim 1 wherein the computer code that captures from a clock of the user's computer the user's time zone comprises a getdate/gettime code.

3. The computer-readable medium of claim 2 wherein the getdate/gettime code is part of a login script.

4. The computer-readable medium of claim 1 wherein the computer code for obtaining the location of the ISP server comprises obtaining a degrees of longitude of the ISP server.

5. The computer-readable medium of claim 4 wherein the computer code for calculating the difference in the time zone of the user's computer and a time zone of the ISP server comprises the formula: Delta time zone=the absolute value of ((the degrees of longitude of the ISP server)−((time zone of user's computer)*(15 degrees)))/15 degrees.

6. The computer-readable medium of claim 1 further comprising computer code on the website server for converting the tithe zone of the user's computer into degrees of longitude.

7. The computer-readable medium of claim 6 wherein the computer code for converting the time zone of the user's computer into degrees of longitude comprises the formula: Degrees of longitude of user's computer=time zone number*15 degrees.

8. An apparatus to calculate a difference in a time zone of a user's computer accessing the Internet through an Internet Service Provider (“ISP”) server and the time zone of the ISP server comprising:

a website server with a processor coupled to a computer-readable medium storing a plurality of instructions, when executed by the processor, take the following steps:

obtain a time zone from the clock of the user's computer;

determine a location of the ISP server;

determine a time zone of the ISP server using the location of the ISP server;

calculate a difference in the time zone of the user's computer and the time zone of the ISP server to determine a delta time zone number; and

report the delta time zone number for determining potential fraudulent activity.

9. The apparatus of claim 8 wherein the step of obtaining a time zone from the clock of the user's computer comprises a getdate/gettime code.

10. The apparatus of claim 9 wherein the getdate/gettime code is part of a login script.

11. The apparatus of claim 8 wherein the step of determining the location of the ISP server comprises computer code for capturing a degrees of longitude of the ISP server.

12. The apparatus of claim 11 wherein the step of calculating the difference in the time zone of the user's computer and a time zone of the ISP server comprises the formula: Delta time zone=the absolute value of ((the degrees of longitude of the ISP server)−((time zone of user's computer)*(15 degrees)))/15 degrees.

13. The apparatus of claim 8 further comprising instructions for converting the time zone of the user's computer into degrees of longitude.

14. The apparatus of claim 13 wherein the computer code for convening the time zone of the user's computer into degrees of longitude comprises the formula: Degrees of longitude of user's computer=time zone number*15 degrees.