TWO DEVICE AUTHENTICATION FOR A CREDIT APPLICATION
A two device authentication for a credit application is disclosed. The method accesses, via a user's computing system, a web-based credit application and provides a phone number for a user's mobile phone. Receives, on the user's mobile phone, a code from the web-based credit application and provides the code to the web-based credit application, the code indicative of a second device authentication of the user. Receives, at the web-based credit application, a first device identifier (ID) associated with the user's computing system, a second device ID associated with the user's mobile phone, and a user's ID. Utilizes the first device ID, the second device ID, and the user ID to obtain a user specific information useable for populating the web-based credit application; and prepopulates the web-based credit application with the user specific information.
1 . A method comprising:
accessing, via a user's computing system, a web-based credit application;
providing, via the user's computing system, a phone number for a user's mobile phone;
receiving, on the user's mobile phone, a code from said web-based credit application;
providing, via the user's computing system, the code to said web-based credit application,
the providing of the code indicative of a second device authentication of the user;
receiving, at the web-based credit application, a first device identifier (ID) associated with the user's computing system;
receiving, at the web-based credit application, a second device ID associated with the user's mobile phone;
receiving, at the web-based credit application, a user's ID;
utilizing the first device ID, the second device ID, and the user ID for obtaining a user specific information useable for populating the web-based credit application; and
prepopulating the web-based credit application with the user specific information.
2 . The method of claim 1 , wherein said obtaining the user specific information comprises:
utilizing the first device ID, the second device ID, and the user ID to perform a proprietary database search for the user specific information.
3 . The method of claim 2 , wherein if no user specific information is found during said proprietary database search, said obtaining the user specific information further comprises:
performing a secondary source database search for the user specific information.
4 . The method of claim 1 , further comprising:
utilizing a confidence factor threshold to validate said user specific information, such that only user specific information above said confidence factor threshold is utilized to populate the web-based credit application.
5 . The method of claim 1 , further comprising:
accessing an e-commerce application on the user's mobile phone
the e-commerce application holding user information in an autofill format;
utilizing the web-based credit application to place a monetary hold on the e-commerce application; and
auto filling at least a portion of the user information from the e-commerce application into the web-based credit application.
6 . The method of claim 5 , further comprising:
obtaining authorization for the web-based credit application to access location information about the user's mobile phone;
receiving location information for the user's mobile phone; and
utilizing the location information to verify any location information provided to the web-based credit application.
7 . The method of claim 6 , further comprising:
performing a fraud risk assessment based on a result of the verifying.
8 . A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a computer system to perform a method comprising:
accessing, via a user's computing system, a web-based credit application;
providing, via the user's computing system, a phone number for a user's mobile phone;
receiving, on the user's mobile phone, a code from said web-based credit application;
providing, via the user's computing system, the code to said web-based credit application,
the providing of the code indicative of a second device authentication of the user;
receiving, at the web-based credit application, a first device identifier (ID) associated with the user's computing system;
receiving, at the web-based credit application, a second device ID associated with the user's mobile phone;
receiving, at the web-based credit application, a user's ID;
utilizing the first device ID, the second device ID, and the user ID to obtain a user specific information useable for populating the web-based credit application; and
prepopulating the web-based credit application with the user specific information.
9 . The non-transitory computer-readable storage medium of claim 8 , wherein said obtaining the user specific information comprises:
utilizing the first device ID, the second device ID, and the user ID to perform a proprietary database search for the user specific information.
10 . The non-transitory computer-readable storage medium of claim 9 , wherein if no user specific information is found during said proprietary database search, said obtaining the user specific information further comprises:
performing a secondary source database search for the user specific information.
11 . The non-transitory computer-readable storage medium of claim 8 , further comprising:
utilizing a confidence factor threshold to validate said user specific information, such that only user specific information above said confidence factor threshold is utilized to populate the web-based credit application.
12 . The non-transitory computer-readable storage medium of claim 8 , further comprising:
obtaining authorization for the web-based credit application to access location information about the user's mobile phone.
13 . The non-transitory computer-readable storage medium of claim 12 , further comprising:
receiving location information for the user's mobile phone; and
utilizing the location information to verify any location information provided to the web-based credit application.
14 . The non-transitory computer-readable storage medium of claim 13 , further comprising:
performing a fraud risk assessment based on a result of the verifying.
15 . A system comprising:
one or more devices to:
access, via a user's computing system, a web-based credit application;
provide, via the user's computing system, a phone number for a user's mobile phone;
receive, on the user's mobile phone, a code from said web-based credit application;
provide, via the user's computing system, the code to said web-based credit application,
the providing of the code indicative of a second device authentication of the user;
receive, at the web-based credit application, a first device identifier (ID) associated with the user's computing system;
receive, at the web-based credit application, a second device ID associated with the user's mobile phone;
receive, at the web-based credit application, a user's ID;
utilize the first device ID, the second device ID, and the user ID to obtain a user specific information useable for populating the web-based credit application; and
prepopulate the web-based credit application with the user specific information.
16 . The system of claim 15 , further comprising:
one or more devices to:
utilize the first device ID, the second device ID, and the user ID to perform a proprietary database search for the user specific information.
17 . The system of claim 16 , further comprising:
one or more devices to:
perform a secondary source database search for the user specific information if no user specific information is found during said proprietary database search.
18 . The system of claim 15 , further comprising:
one or more devices to:
utilize a confidence factor threshold to validate said user specific information, such that only user specific information above said confidence factor threshold is utilized to populate the web-based credit application.
19 . The system of claim 15 , further comprising:
one or more devices to:
obtain authorization for the web-based credit application to access location information about the user's mobile phone.
20 . The system of claim 19 , further comprising:
one or more devices to:
receive location information for the user's mobile phone;
utilize the location information to verify any location information provided to the web-based credit application; and
perform a fraud risk assessment based on a result of the verifying.